Nguva Yekutsvaga Inishuwarenzi Yako: Izvo Zvakakosha Kurairwa Kwekuregererwa Here?

Sei Kubhadhara Chirwere Kungakosha?

Kuramba nekambani yako ye inshuwarisi kuti urege kupiwa chirango kunogona kusanzwisisa, zvichienderana nezvikonzero iwe unoda kuchinja kambani yveshuwarenzi. Vanhu vazhinji vanosarudza "kumirira kusvikira iyo yveshuwarisi ichivandudzwa" vasati vadzivisa hurumende nokuti vanoda kudzivisa chirango cheinishuwarenzi. Dzimwe nguva ichakuchengetedza mari yakawanda yekuraira mutemo wako pakati pemakore uye kubhadhara chirango, kuchinja kune imwe kambani yveshuwarisi kana iyo mutengo isinganyanyi kukosha.

Usati wabvumira kutyisirwa kwemari yekuwedzera kuti uchinje zvaunosarudza, hezvino zvimwe zvikonzero zvekuti iwe uone kana iwe uri kunetseka pamusoro pemari yeinishuwarenzi yekurambidza yako inshuwarisi.

Unofanira Kuvhara Inishuwarenzi Yako Isati Yakurudzirwa Here?

Heino mutsara wezvinhu zvichakubatsira kuita sarudzo yakanakisisa yemamiriro ako.

1. Kumbirai mari yakakwana ye "chirango." Iwe unogona kushamisika kuti vangani vamiririri vari kutaura nezvechirango uye vasina kutora kunyange chirango chechirango . Iwe unogona kunge uchitaura nezve $ 20 yechirango kana $ $ 500 chirango. Izvi zvinokonzera kusiyana kukuru muchisarudzo chako. Zano: Iyo yakareba inoratidzira iri kushanda zvishomanana chirango chinofanira kuregera.
2. Enzanisa nhauriro yegore negore yemutemo mutsva kune mari yegore negore yemutemo waunoda kubvisa. Kana mutsauko wekutengesa uri pasi pe10% pagore, unogona kuedza uye kuwana yako yema inshurenzi ikozvino kufanana nemutengo mutsva musati washandura kambani. 10% haisi chikamu chikuru kune kambani yveshuwarenzi kana iyo nhoroondo yako iri mumamiriro akanaka, uye iwe une mitemo yakawanda navo. Kana vasingakwanisi kuenzanisa mutengo, zvino chizviverengere iwe kana iwe ukapedza mberi kana iwe wakabhadhara "chirango chako." Kana ukapedza kusvika, iwe unofanirwa kusarudza kana mutemo mutsva unobatsira. Ita izvo zvakakunakira iwe. Iwe ndiwe muchengeti uye ndiyo mari yako.

1. Enzanisa maitiro anobatsira uye zvinyorwa kubva pamutemo mutsva kusvika kumutemo wenyu wekare. Mumiririri wako wemazuva ano anofanira kunge akakwanisa kukubatsira iwe kusimbisa zviri pamusoro. Iwe unogona kubva uchisarudza kana zvinhu izvi zvakakosha kwauri.
2. Sarudza kana kuchave nemigumisiro pane mamwe mazano semugumisiro wekuchenesa iyo yauri kutarisa. Zvinowanzoitika kuti vanhu vanowana motokari yemotokari shoma nekambani yveshuwarisi, uye sarudza kushandura, asi siya kumba nemudzidzi wekutanga. Zvadaro vanoona kushamiswa kunoshamisa apo chikwata chavo chinowedzera nokuti vakarasikirwa ne-multi-policy discount , kana kuti mapurogiramu anokosha emitemo kana zvinobatsira. Nguva dzose chengetedza yako yose yehushuwarisi yemainisitiri. Wana zvose zviripo usati waita chisarudzo. Ko kuchinja imwe sarudzo kunobata mari yako kana kuvhara kune imwe?

1. Iwe unofarira maitiro kana kushamwaridzana nekambani idzva zviri nani here? Ndezvipi zvipo zvavari kukupai? Kana kambani itsva yveshuwarenzi iri kukupa iwe kushanda kunoenderana nezvido zvako zviri nani kana kuti mitemo inokosha kune iwe, zvingave zvakakosha kubhadhara zvakawanda kuti uende kune umwe munhu waunonzwa kuti unogona kushanda naye. Dzimwe nguva kusangana nemumiririri anofadza, kana kambani ine tsika yakanaka inoita kuti ruzivo rwose ruve rwakakosha. Inishuwarenzi yakaoma zvakakwana, zvingave zvakakosha kubhadhara zvakanyanya uye kubata nevanhu vanoita kuti zvive nyore.

Kubhadhara Chirwere Pamusoro PaInishuwarenzi Yako Inogona Kukuponesa Mari

Kana uchinge waverenga zvinhu zvose, iwe unogona kunge uri nani zvikuru kubhadhara chirango chekanguva chimwe chete ngatitii $ 50 kuti tibatsire kushanda zvakanaka, zvipfeko zviri nani kana kuti zviri nani. Mwedzi woga woga iwe unogara nekambani yeinishuwarenzi yausingadi, kana iyo inodhura, kana kuti ine zvishoma inokuisa iwe pangozi. Yeuka inshuwarisi yako iripo yekubhadhara kunze kwechiitiko chekutora. Iwe hauzive kana kuda kwacho kuchaitika mushure mokunge uchitangazve patsva, kana shure-zvichida hauna kumboitika. Zvichienderana nezvikonzero zvaunoda kuchinja, yeuka kubhadhara chirango chinogona kukuponesa mari yakawanda munguva refu.

Ndezvipi Zvinhu Zvimwe Zvandinofanira Kufungisisa Musati Ndabvisa Purogiramu Yokudzivisa Kushamiswa?

Nguva dzose chenjerera kana iwe uwana inshuwarisi yepamusoro iyo yakaderera zvikuru kupfuura yako yazvino.

Usati wasvika kumutemo mutsva, kana kubvisa purogiramu yakare, zvakakosha kumirira kuona mutemo mutsva wakabudiswa, uye ona kuti inomirira zvose zvaunoda. Mumishuwarenzi yemotokari, somuenzaniso, hazvishamisi kukanganwa zvido, kana kuputsa kwemigwagwa paunokumbira inshuwarisi itsva . Panguva iyo kambani itsva inokurukura iwe, ingangodaro haisati ichitanga zvose zvitsva pamashoko ako ega. Iko kuongorora kunowanzochengetwa kusvikira apo chirongwa chiripo chaidiwa, kana kuti chiri kubudiswa. Kazhinji, ndiyo chete iyo iwe uchagamuchira foni kana kucherechedza kukurudzira iwe mutengo mutsva unonyanya kukwirira nekuda kwekutsvaga ruzivo.

Makambani eInishuwarenzi mabhizinesi, uye seimwe yebhizimisi, kana uine mazano ako nekambani, kana wakambove nekambani kwemakore mazhinji, inoita kuti ukama hwako huwedzere.

Pazuva nezuva, izvi zvingaita sezvikosha, zvisinei, kana pane imwe nguva yakaoma, semuenzaniso iwe unotyisidzirwa kubviswa, kana iwe une zvirevo zvakawanda , ndiyo iyo kukosha kwekuve imwe kambani yemakore akawanda inogona kuoneka. Izvi zvinobvumirawo mumiririri wako kuti akuudze iwe nezvemikana mitsva yaunogona kukodzera uye unovabatsira kuti varambe vachiona zvoga zvakanaka.

Inishuwarenzi haisi yose pamusoro pemutengo.

Kukurukurirana kwekupedzisira, kudarika kugoverana, ukama uye mutengo, ndiyo yekubhadhara kwekupedzisira kwehutano hwako hwakanatswa uye kubhadhara patsva kwemutemo wako mutsva. Iwe unogona kuripa zvose zviviri izvi panguva imwechete. Kana iwe uri purogiramu yekubhadhara, kuverenga muchisarudzo chako mari yaunofanira kubhadhara yako inshuwarisi itsva kuti utange ukama hutsva pane chirongwa chokubhadhara zvakare.

Mari Yokubhadhara Inoshanda Sei Nekambani Inishuwarenzi?

Makambani eInishuwarenzi ane mazano akaoma pamusoro pekubhadhara mitemo Nenzira yakawanda, kubhadhara kweinishuwarenzi kunokonzerwa kana inotanga kushanda. Saka kana usina kubhadhara mubayiro wako nezuva rakakodzera remutemo (zuva rekuvandudza, kana musi iwoyo unotanga kushanda), ipapo kubhadhara kwako kwatopfuura kare! Chiripo apo iwe wakagadzirira chirongwa chekubhadhara kana chirongwa chokubhadhara. Urongwa hwekubhadhara hunobatsira kugovana mari yegore yehushuwarisi pane imwe nguva yekusarudza kwako, nenzira yekubhadhara yaunosarudza. Kambani imwe neimwe ye inshuwarisi yakasiyana, saka chikamu chekuongorora kwako kambani yveshuwarenzi yaunoshanda nayo inofanira kusanganisira kunzwisisa manzwiro ekubhadhara uye kuve nechokwadi kuti yakakunakira iwe. Makambani akawanda einishuwarenzi angatora 2 / 12ths yepamuimusi pakutanga. Tsvaga zvose zvese usati wasvika, kuti uve nechokwadi chokuti hauzove nechinetso chekubhadhara kana kubviswa .

Sei Ndine chikwereti Chekambani yeInishuwarenzi Mari, Kunyangwe Ndiri Kubhadhara Imwedzi?

Vanhu vanowanzonyatsonzwisisi pfungwa yepabhadharo ye inshuwarisi. Vanofunga kuti yakafanana nehutano hwehutano kana imwe imwe yemwedzi kubhadhara-per-use plan. Kambani yeInishuwarenzi ndeyekubhadhara mari yemutemo wegore rimwechete. Kana izwi remutemo richiremekedzwa, ipapo mari yekubhadharwa kwemwedzi ichavhara mari yose yepurogiramu yacho pakuguma kwemhedziso. Zvisinei, kusiyana nemashandi kana zvigadzirwa zvaunogona kutenga muchitoro, mari yekushandiswa kwehushuwaruri kana izwi iri kuderedzwa kusvika kudarika chibvumirano chepakutanga. Ichi ndicho chikonzero apo iwe uchikumbira kubvisa mutemo pakati pemakore, iwe unogona kubhadhara "chirango" , kana kuti kubhadhara mari yako chikamu chezwi risina kushandiswa kuverengwa pfupi pfupi panzvimbo yezvakanyorwa. Saka iyo nguva iyo inokwira kumusoro, nemhaka yekuti izwi racho rakapfupiswa, mibairo yako yepamwedzi haisati yawana purogiramu yacho. Iwe unogona kuguma uchibhadhara mari, kunyange mushure mokunge mutemo wako wakanatswa nekuda kwekutsvaga kwemajaya maduku , uye / kana zvimwe zvipi zvingadai zvakawedzerwa nekuda kwekukundikana kwako kwokuremekedza chibvumirano.