Zvimwe iwe uchazvipa ivo zvakananga kune mukuru wako wezvikwereti kana iwe ugovapa kumubatsiri kana purogiramu. Pasinei nekugadzirisa, iyi ndiyo nguva yokutanga mapeji ako akaongororwa kuti ave nekukwanisa, kukwana, uye kukwana.
Kutya? Vakawanda venyu muchave mune zvimwe zvinhu zvakakanganiswa, makakanganwa chimwe chinhu, makashaya chikwangwani kana maviri. Zvinyorwa zvako zvishaikwa kana zvinyorwa zvichakumbirwa pamwechete nekujekeswa pane chero chipi zvacho chisingazojekeswi nezvemataiti ako.
Kutanga
Kana iwe uri kuisa zvishoma pasi pe20% pasi iwe unogona kunge unobvunzwa pamhando ipi neipi huru mukutarisa kwako kana kuchengetedza mabhuku kana kuti 401k yako yakaiswa sei. Izvo zvizere, saka fura nayo. Chinonyanya kukosha, kunyange zvakadaro, shingaira nemhinduro dzako uye mamwe mabhuku. Icho chaicho chinodikanwa kuitira danho rinotevera; underwriting.
Chii chinoitika zvakare mune zvakawanda-ballyhooed "kunyora pasi"? Zvakanaka, izvozvo zvinowanzosiyana zvakasiyana zvichienderana nemukuru wako wechikwereti uye chisarudzo chechikwereti. Pose zvakakosha, mutero wemari yekubhadhara uye mutero wemukwereti waunosarudza, rudzi rwechikwereti chaunoda uye iwe wehuwandu hwehuwandu hwemashoko ekuunganidza zvinyorwa zvichaita hurukuro yako pachako ye "kunyora pasi pasi." Sarudza nokuchenjera.
Kana iwe wakaenda nebhanga guru yako faira ichaendeswa kune yekambani yekubhadhara purogiramu mune imwe nzvimbo yepakati (iyo inenge isina nzvimbo iri pedyo newe). Izvi zvinogadziriswa zvinowanzoshandiswa zvakanyanya uye zvibhadharwe pasi. Kana iwe uchienda nebhangi guru iwe unogona kutarisira imwe yakareba yekugamuchirwa. Ndizvo zvavanoita.
Vanoedza kuwedzera maverengero emakwereti ayo munhu wese anofanirwa kushanda / underwrite. Iyo yakawanda pamusoro pehutano hwehutano uye icharatidza muhutano hwako hwekutengeswa kwemvumo.
Vaduku vanotenga chikwereti uye vanozvimiririra zvekutengesa vashandi vanotora nzira yakasiyana. Vanowanzoshanda zvakazara musangano wakabatana muimba. Pamwe nekuva nemumwe munhu pasi pedenga rimwe, nzira yeboka inobata nekushanda kwakanyanya.
Usandibata zvakaipa; pane zvikonzero zvakawanda zvekushandisa bhengi guru semari yako. Zvimwe zvacho zvinoshanda. Kazhinji vanogona kukwanisa kutora mikana yakawanda kupfuura mukomana muduku, uye izvi zvakanaka kune avo vari kugamuchirwa kwemafu. Vanowanzopa mhando dzakasiyana-siyana dzezvikwereti zvinotengesa mari kune zvimwe zvinhu zvakadai sekugadzirisa nekugadzira mari.
Underwriting
Vose vanotora chikwereti vanokweretesa vane, mukati mavo, "nguva yekutsvaga." Iyi ndiyo nguva yekuzviisa pasi pekudzokorora kwevanyori vehurumende uye chisarudzo chavo.Inguva yekudzoka inogona kuchinjwa nezviitiko zvakawanda zvakakura uye zviduku. kushanda kwevashandi kunotakura kamwe chete ndicho chinhu chinonyanya kukosha, asi zvinhu zvakajeka semamiriro ekunze - funga Rochester, NY munguva yechando chando - anogona kukanda chikwereti kutora nguva nokukurumidza.
Iwe unoda kukumbira mukuru wako wechikwereti kuti nguva yako yekushandura ichave yei uye funga izvozvo ichocho pakupedzisira LO sarudzo. Imwe nyota, nguva dzekutenga kutengesa dzinofanira kugara dzisingasviki kune yekunatsiridza. Vashandi vekumba vane nguva yakaoma yavanoda kuti vasangane, vanowana pasi pasi.
Pasi pemamiriro ehutano, shanduro yako yekutenga inofanira kunyorwa pasi mukati maawa makumi manomwe ekunyora pasi pasi uye mukati pevhiki imwe chete iwe uchipa ma Documenter akakwana KUCHIRIDZWA kumukuru wako wechikwereti. Saka, nguva yako yemawindo firiji yava kuda kuitika uye munyori wechechi akaongorora faira yako. Chii zvino?
Uyu munyori wechiratidzo achawanzobudisa chimwe chezvinhu zvitatu-zvakabvumirwa, zvakarambwa kana kuti zvakasimirirwa - kune zvaunoshandisa. Kana kubvumwa kunyoreswa kunowanzogadzirisa mamiriro ezvinhu aunoda kubvisa kuti uwane chibvumirano chakazara.
Kujekesa pamubhadharo wekupedzisira, mari yakakura, hupenyu hwakapfuura kudarika kana kungoita chiratidzo chinopotsa pano kana kune zvikumbiro zvakasarudzika.
Kana ikasimirirwa, iyo isiri yakasiyana zvachose, kunyora pasi kunopesana uye kunoda kujekeswa. Kazhinji zvakabatanidzwa nebasa / mari, asi pane dzimwe nguva mubvunzo wekugadzirisa zvinhu unogonawo kutungamirira kumiswa. Muchiitiko ichi, iwe uchawana maiti maviri emamiriro; imwe kubvisa kusungirirwa uye mamiriro ezvinhu akadikanwa anodiwa kuti zvibvumirwe zvizere.
Pakupedzisira, kana wakaramba iwe unoda kuziva kuti nei. Haasi zvikwereti zvose zvinotanga sokuramba zvakaguma saizvozvo. Nenguva dzakawanda kuramba kunongoda kuti udzokerezve chigadzirwa chemari yako, kubhadhara kuripa kana kubvisa kukanganisa mune zvekushandira kana pamushumo wekwereti yako.
Yakagamuchirwa Nemitemo
Nzvimbo yehuwandu hwemakero ekubhadhara chikwereti mushure mokunge kutumirwa kwavo kwekutanga kutenderwa nemamiriro ezvinhu (aka akapiwa mvumo). Uyu munyori wechirungu anotoda kujekesa uye mamwe maitiro akawanda kuti azvidzivirire ivo nevanoshandira kuitira kuti chikwereti chakavharwa chive chakajeka uye chisingabhadhari pasina. Kazhinji, zvimwe zvinhu zvinodiwa hazvifaniri kugutsikana nemunyori wechechi, asi kuti ave nechokwadi chekuti chikwereti chinosangana neZVO zvose zvinodiwa nevevamwe vanoita zvekutsvaga vatengi vanozotenga chikwereti chakavharwa.
Basa rako guru munguva iyo chikwereti chako chiri pasi pekunyora pasi ndekukurumidza kuenda pane zvinyorwa zvekunyora, mibvunzo nechinhu chero chipi chinodiwa. Hazvina mhosva kuti iwe unofunga zvakashata sei chikumbiro che doc chingava chiripo, sarudza hoop inopisa uye itumire iwe kuburikidza naro nekukurumidza sezvinobvira. Usatora kuongorora iwe pachako, ndizvo zvinonyorwa pasi. Tora zvinhu zvishomanana zvekupedzisira uye uzvidzorere zvakare kune zvinyorwa pasi kuitira kuti unzwe mazwi matatu akanakisisa muimba yekutengesa - kuvhara kuvhara!
Iwe WAKAITIKA. Ndiwo maitiro mashomanana chete ekugadzirisa. Kucheka chekubhadhara chako chekubhadhara, kusayina pamutsara wakatsetseka uye kugadzirira kuenda. Unoda kuziva chaicho chaunotarisira pakuvhara kwako? Hapana dambudziko, takuwana iwe uye mazano akawanda pamusoro pekudzivisa nzira inotyisa yekuvhara nyika inotambisa kutenga kwako kana kuipa.