Tora Chiito Pakarepo
Zvichida wakakanganwa nezvezuva rakakodzera rebhadharo, kana kuti zvimwe wakanga uine chimwe chinhu chakakonzera kuti urege kutarisira bhizinesi, kune zvikonzero zvizhinji nei vanhu vachigona kuguma mumamiriro ezvinhu apo maitiro avo ari kubviswa nokuda kwekusabhadhara.
Kuregererwa kwekusabhadhara kunogona kunge kwakawanda kwazvo kupfuura iwe unofunga, zvisinei, chikamu chakakosha ndechekuti kana uchinge wakaziva nezvazvo ndechokutora chiito pakarepo.
Ini Handidi Mutemo, Ndingakwanisa Kuita Kuti Ive Yakarongedzwa uye Enda Kwimwe Chete Here?
Usambobvumira kuti chirongwa chibvumirwe kusina kubhadhara nekuda kwekuti iwe haudi inshurensi zvakare. Kana iwe kana iwe usingadi inshuwarisi, kana iwe wakatotengesa iwe pachako kune imwe nzvimbo uye uchifunga kuti unogona kungosiya mutemo wacho wapera, iwe hauna kururama. Pane musiyano mukuru pakati pekuregererwa kwekusabhadhara uye kubvisa purogiramu nekuti iwe hauna kuzvida. Kana izvi zviri izvo, taura nemu insurer pakarepo uye uvaudze pamusoro pekuti iwe hauna kuripa nokuti iwe hauna kuda mutemo. Vanogona kukubvumira kukumbira kuregererwa uye kumisa kusina kubhadhara. Mune mamwe mamiriro ezvinhu, kana iwe ukazviisa kune imwe nzvimbo, unogona kubvunza mumiririri wako mutsva kuti akubatsire kunze nekutumira uchapupu hwehushuwarisi yako itsva kumumiririri wehushuwarisi wekare , pamwe neshoko rinotaura kuti mutemo "haudikanwi" uye une unozvidzivirira pane imwe nzvimbo.
Unhu hwehushuwarisi nekambani itsva inofanira kukubvumira kugadzirisa nyaya yacho kana mutemo wekuti mumitemo miviri yakafanana. Mune imwe yezviitiko izvi, vape foni uye ita kuti igadziriswe kana ichange isisina kunaka pane inshuwarisi yako uye ingakuita kuti urege kuwana inshuwarisi kana kukodzera kugadzirisa zvirongwa munguva yemberi.
Ndinorega sei Nheyo Yangu kubva pakurambidzwa kusingabhadhari?
Taura iwe nemumiririri wako weu inshuwarisi kuti uite zvekudzorera kudzorera uye usiye mutemo wako kubva pakurambidzwa. Vabvunze zvaungaita kuti uchengete mutemo wako uchishanda. Kana iwe une zvikonzero zvakananga zvausina kubhadhara, kufanana nokuramba uri muchipatara, kurwara kana kufa mumhuri, rwendo rwakatora nguva yakareba kudarika zvaunotarisirwa, kana kuti zvimwe wakawana matambudziko emari uye uri kutambudzika nematokari , tsanangura mamiriro ezvinhu kwavari uye muvakumbire kuti vafunge zvakare. Kazhinji kana iri mamiriro akasiyana uye iwe wave uri mubati wechirongwa kwekanguva, vangazokwanisa kutaurirana nemitemo itsva yekubhadhara iwe. Mune mamiriro ezvinhu akaipisisa, gadzirira kubhadhara mari yakazara inotangira musimboti wako usati warambidzwa kuitira kuti vadzorere zvakare. Makambani emishuwarenzi anowanzoda kushanda chimwe chinhu kana iwe uchivaudza zviri kuitika.
Usambokanganwa maziso pamusoro pekudzorera kwekupedzisira kana kukonzera . Zvinogona kuoneka zvakanyanya kukurira, asi nekukurukurirana nokukurumidza zvingaita nemumiririri wako, unogona kukwanisa kuponesa hurongwa hwako uye kudzivisa matambudziko mazhinji.
Ndeipi Inhiyo yeInishuwarenzi Ichandichengetedza Nokusabhadhara?
Imwe kambani yeinishuwarenzi inokupa nemitemo yekubhadharwa kwekubhadhara apo iwe unyoresa purogiramu yako.
Mumashoko iwayo, pane mitemo yakajeka iyo inotungamirira kushandiswa kwemari yemutemo wako. Chero nguva yaunosuwa kubhadhara pachibvumirano chako, zvisinei nokuti wakakanganwa kutumira mairi, kana iwe wakangorasikirwa nemashoko acho, unoisa hurongwa hwako pangozi. Kana zvikwereti zvikadzorera kwavari, iyi ndeimwe dambudziko guru. Hazviiti chete kuti uwane mari yakawanda mumari kubva kubhangi rako, asi kambani ye inshuwarisi inogona kuwedzera mamwe maitirwo ekugadzirisa mari zvakare. Kana iwe uchinge usisipo chikwereti chimwe chete kana kuti uwane chikwereti chisingakwaniki (NSF), hazvirevi kuti iwe ucharegererwa pakarepo. Chirongwa chako chekubhadhara chikwereti chinofanira kurondedzera tsanangudzo chaiyo yekuti izvi zvaizogadziriswa sei. Makambani akawanda, semuenzaniso, achabvumira kukanganwirwa kana iwe uine chikwereti chimwe cheNNS, zvichida zviviri, asi pashure pokunge zviitiko zvinowanzoitika, kazhinji vanochengetedza kodzero yekukuregesa iwe usina kubhadhara, pasinei nemari yakawanda yakaitwa sei zvisati zvaitika.
Nzira Yakakwirira Yokudzivisa Kukanganiswa Nokusabhadhara
Iwe wakazvifungidzira, iwe ubhadhe premium yako. Makambani mazhinji anopa zviitiko zvekubhadhara zvakanyanya uye zvinoshandiswa zvinoshandiswa , semuenzaniso, State Farm inopa Apple Pay seimwe yezvavanosarudza. Vazhinji vatsigiri vekubhadhara vanopa mabhengi ekubvisa, kadhi rechikwereti kana kushandiswa kwebhengi. Vamwe bhizimisi vanobhadhara zvikwereti nes mobile apps. Tsvaga inshuwarisi inoshanda zvakanakisisa pamararamiro ako.
Iva nechokwadi chokuti unosarudza hurongwa hwekubhadhara, uye nguva yekubhadhara iwe unogona kushanda nayo apo iwe unogadzira hurisiro yako itsva yveshuwarenzi uye kana ikasashanda kwauri kana zvinhu zvichishandura muupenyu hwako, unogona kudana nekambani uye kukumbira kutora chirongwa chitsva .
Chinhu chinonyanya kukosha ndechekukurukurirana nemumiririri wekambani yeinishuwarenzi nokukurumidza paunofunga kuti iwe unogona kunge uri kumhanya mumatambudziko achibhadhara iwe. Kazhinji yenguva iyo vachashanda newe kuti mutemo wako udzoserwe uye akudzose kumugwagwa. Vadana uye vedze uye vagadzirise, migumisiro yekuregererwa kwekusabhadhara inenge yakakomba munyika inishuwarenzi, uye iwe unogona kunge wakaoma nguva yekuwana inshuwarisi yakachengetedza mari mushure mekunge iwe unodzingwa pafaira. Inogona kugara painishuwarenzi yako kwemakore akawanda.
Ramba uri mupfungwa, kana uine dambudziko kubhadhara inshuwarisi yako, iwe uchange uine nguva yakaoma kwazvo kubhadhara kuipa kana iwe uine kurasikirwa uye inshuwarisi yako yakabviswa. Kupfuura kare, apo iwe uri mumatambudziko emari, inshuwarisi yako ndiyo chinhu chekupedzisira iwe unoda kurasikirwa. Ita chero zvaunotora kuti uwane zvinhu zvakare, kuitira kuti ugare wakachengetedzwa uye wakachengetedzwa.
Kunzwisisa Kurasirwa kweKutadza Kwemitemo
Nyaya iyi inotungamirira kukubatsira kuti unzwisise kuregererwa kwekusabhadhara kunoshanda nekambani ye inshuwarisi. Kubvira sezvo Inishuwarenzi inotungamirirwa pamunharaunda yemunharaunda, nyika yese uye ruzivo rwepurovhinzi zvichave zvakasiyana-siyana. Uyezve, kambani yese yveshuwarenzi ine mitemo yakasiyana yekubhadhara. Nokudaro, ruzivo urwu runofanira kushandiswa sehurukuro yakawanda yekukubatsira kuti uwane zvinhu zvakare, asi nenzira ipi zvayo inotsiva mitemo chaiyo, mitemo kana kukwana kwemutemo wako chaiyo.