Munhu wose ane nzira yake yokudzidzisa, ndinofungidzira, kusanganisira nzira yekudzidzisa vana nezvemari uye zvinhu zvose zvine chokuita nazvo. Heano mazano mashoma pamusoro penzira dzakanakisisa dzekudzidzisa vana pamusoro pemotokari yemotokari.
Nguva yekutanga kudzidzisa vana pamusoro pemotokari yemotokari.
Vana vanoda kuziva nezvezvinhu zvakawanda, uye ivo vachakuzivisai nemibvunzo isingaperi "sei". Sezvo amai vangu vaiwanzoti, kana iwe wakwegura zvakakwana kubvunza, iwe wakwegura zvakakwana kuti uzive mhinduro. Mibvunzo inowanzotanga nekukutarira iwe kuita chimwe chinhu sekubhadhara mari. Saka, kana iwe uri kunyora cheko rebhadharo yako yemwedzi yemainishuwarenzi uye mwanakomana wako kana mwanasikana wako anobvunza zvauri kuita, vaudze. Vanofanira kukubvunza kuti inishuwarenzi chii. Uye pane mukova wako. Chinhu chacho ndechokuti, pazera remakore, tsanangudzo yako iri kuenda munzeve imwe uye kunze kweimwe. Uye kunzwisisa iyo motokisi yema motokari ingangodaro isiri yakakosha kusvika kune wechitatu mutengesi.
Nechikoro chesekondari, kunyange zvakadaro, iri nyaya yakasiyana. Chinhu chimwe chete ndechechokwadi, iwe haufaniri kurega mwana wako atora hofisi yake yekufambisa vasati vava nokunzwisisa zvakajeka mabasa ose anoenda pamwe chete nawo, uye izvi zvinosanganisira inshuwarisi.
Chii chaunodzidzisa kana uchitaura motairi yemotokari.
Mhinduro yako ichaita, hongu, inotarisa kuti mwana anokumbira chii.
Kune mwana pasi pemakumi mana, unogona kungotsanangura kuti motokari dzine ngozi uye inokuvadza, uye iwe unobhadhara mari yakawanda mwedzi wose kuitira kuti kana zvinhu zvakaipa zvikaitika kumotokari kana vanhu vari mukati maro, haufaniri kunetseka pamusoro kubhadhara mari. Kana uchida kuziva vana vaduku, unogona kungotsanangura kuti iwe unobhadhara mari mwedzi woga woga kuitira kuti hurumende inokubvumira kuti utakure motokari yako mumugwagwa (iyo inowanikawo chokwadi!).
Nenzira iyi ndeyokuti iwe unoda mwana wako kuti afunge nezvemashoko makuru ekudzidza nezvemotokari yemotokari, iyo ndeyokuti: mari chaiyo yekutengesa inodarika zvinodhura mari shomanana emagetsi - uye kupinda mune njodzi, kunyange imwe duku, inodhura. Kunze kweiyo, mubvunzo we mechanics wekuti inishuwarenzi inoshanda sei, uye ndiko kwaunofanira kuchenjerera kuti urege kurasikirwa navo mumashoko acho. Tanga nepfungwa inokosha yokuti inshuwarisi, chero rudzi rwehushuwarisi, inenge ichitanidza madhora evanhu vazhinji kuti vabhadhara mhirizhonga kune vashomanana. Ipapo iwe unofanira kuvhara zvidzidzo, zvinosanganisira:
• Mhando dzeKubatsira: Kunyanya kupiwa mhosva, izvo zvinodiwa munenge mamiriro ose enyika. Chikwereti chekodzero chinobhadhara kukanganisa kune vamwe zvichikonzerwa nenjodzi inokonzerwa neishuwarenzi.
Uyewo, kusiyanisa chikwereti chekubhadhara kubva kune yakazara , kupopotedzana uye uninsured motokari yekuvhara .
• Tsanangura ma Numeri: Kuvharirwa kwehupfumi kunowanzotaurwa mumhando yakaita seiyi: 20/40/10. Izvi ndezvipfupi zvekuti: $ 20,000 kugoverwa kwevanhu pamunhu mumwe nomumwe, pangozi; $ 40,000 kukuvara kwehupenyu hwega wega pangozi; uye $ 10 000 kukanganisa kwepasi rose pangozi. Izvo zviyero zvakasiyana zvakasiyana nehurumende, asi tsanangudzo inoshanda kune vose.
• Deductibles : Tsanangura kuti deductible chii uye nei ichikosha.
• Tsanangura Nzira Yacho: Pakupedzisira, famba mwana wako kuburikidza nekutora chirevo . Izvi zvakakosha kana zvikaitika munjodzi uye iwe hausipo. Iva nechokwadi kuti anonzwisisa zvaunofanira kuita panhandare yematambudziko (kudana mapurisa, kutora mifananidzo, kugoverana nhau nemamwe mapato, kukushevedza) uye kuti ungatevedzera sei neye inshuwarisi.
Nzira yekudzidzisa sei motokari yveshuwa kune vana.
Iwe unofanirwa kuisa pane zvimwe zvinhu pano zvakadai sezera, kukura uye kudzidza. Vamwe vana vachadzidza zviri nani nekutsanangura, vamwe nekuratidzira. Iwe unotofanira kuziva kuti chii chinoshanda zvakanaka nemwana wako. Dzimwe nyanzvi dzinoti kushandisa kushandisa Monopoly sechigadziriswa, vamwe vanoti vanopinda nepurogiramu yenyu yveshuwarenzi. Chero chii chinoshanda kuti ruzive ruzivo rwakapfuura nenzira inonamatira.
Chimwe chirevo chekupedzisira: zvichida nzira yakanakisisa yekudzidzisa vana vako vakura nezvemishuwarisi yemotokari uye mutoro panguva imwe chete ndeyekuti vabhadhara mari yakawedzerwa pamutengo wako wekuwedzera kwavari semutyairi nemari yavo kana kana mushure mechikoro / mari yemabasa. Kana ropafadzo yekushandisa motokari yemhuri inouya nemutengo wekutengo, inofanira kudzidza zvose pamusoro pemotokari yemotokari nokukurumidza!