Iwe unoda inishuwarenzi kana iwe usingakwanise kuwanazve kubva kune mari inogona kurasikirwa nemari yako pachako uchishandisa mari yako kana mari yako inoreva mari. Sezvo mari yako inokura, uye hupenyu hwako huchichinja, unoda yako yunishuwarenzi inofanira kuongororwa.
Inishuwarenzi chinhu chaunotenga kuti udzivirire mararamiro ako kana hupenyu hwehupenyu kana chimwe chinhu chisingafanoonekwi chichiitika kuti udzivise matambudziko.
Iwe unobhadhara mari yekambani kune imwe kambani yveshuwarensi chero chipi zvacho chaunoda kuvimbisa, uyezve, kana chimwe chinhu chisina kuipa, vachakuchengetera iwe mari.
Ndeupi Inishuwarenzi Waunoda? Basic Guideline
Danho rokutanga pakunzwisisa rudzi rwehushuwarenzi iwe unonyanya kudikanwa ndeyekuti unzwisise kuti nei iwe uchitenga inshuwarisi .
- Kana iwe uri kutenga inshuwarisi kuchengetedza chimwe chinhu chisingakonzere hupenyu hwako, kana kuti iwe unogona kuzvibata iwe uchishandisa kuchengetedza, zvino iwe unenge usingadi iyo inshuwarisi.
- Kana uri kutenga inshuwarisi kuti udzivirire mararamiro ako, mararamiro ako, kana mhuri yako kugadzikana kwemari nokuti iwe haungakwanise kuva nemhando imwechete yemari yemari yakasununguka pane imwe, zvino iwe uri kusarudza zvakanaka pakutsvaga inshuwarisi.
7 Mhando dzeInishuwarenzi Kubhadharo Kwa:
- Nzvimbo Yepfuma Pamwe Chete Uye Mukati Inishuwarenzi
- Mhosva yeInishuwarenzi (yakabatanidzwa nehutano hwehutano)
- Kuwedzera Living Expense Insurance (yakabatanidzwa newaigara inshuwarisi)
- Car Inishuwarenzi Options
- Kuremara
- Life Insurance
- Health Insurance
Iwe unogona kunge usingadi mhando idzi dzose dze inshuwarisi, asi kunzwisisa kuti vanokuchengetedza sei zvingakubatsira iwe kusarudza kuti unodikanwa zvakadini kubva paupenyu hwako hwemazuva ano, uye kana uchida.
Pfuma Yenyu Yveshu
Iwe pachake pfuma yunivhesiti inodzivirira zvinhu zvako. Yakawanda yehupfumi inshuwarisi yehupfumi inofanirwa nehutengo hwekuchengetedza imba yako, zviri mukati mako kana motokari yako. Inishuwarenzi yemhosva inogonawo kuiswa mune imwe yveshuwarisi kuti ikudzivirire pamari yemutemo , kudzivirirwa kana mari inobatanidza uhu hwako, kushandiswa kweimba.
kana zviito zvako pasi rose.
ZANO: Chengetedza mari yako yeinishuwarenzi mari nehurukuro dzakakwirira, kana kutarisa pane zvakasiyana-siyana zvekuchengetedzwa kwemishuwarenzi yemhuri .
Paunotora zvinodhura zvakakwirira, iwe "unozvidzivirira" zvakawanda zvezvinhu zvako, saka unotora inshuwarisi shoma nekambani ye inshuwarisi. Dzidza zvakawanda pamusoro pekushandisa Higher Deductible kuchengetedza mari
Kuwanda Kwako Mupfepa Unhu Inishuwarenzi Unoda Here?
Kana iwe uri kubhadhara mari yako, iwe unowanzotarisirwa kutora inshuwarheni pane yako yako (semusha kana motokari). Kutanga nguva kumba-vatengi vanowanzodikanwa uchapupu hwehushuwarisi nekuda kwekutengesa kwavo. Iwe unoda kuwana inshuwarisi kuti uvhare kukosha kwekuvaka imba yako , uye funga kubatsira kwehuwandu hwehuwandu hwekutengesa kubvumira kudzivirira kwakakwana kunogona kuitika. Dzidza zvakawanda mu " Ndeipi iyo yose yengozi yveshuwarenzi" .
Zviri mukati Medu Nezvimwe Zvimwe Zvokudya
Kana iwe usina imba, kana kuti kukosha kwezvinhu zviri mumba mako zvakakwirira kudarika nguva dzose, unogona kufunga kuisa zvinyorwa zvako zviri pamunhu akatasva kana kuburikidza nemutemo wevaridzi , kana kuti inshuwarisi yekodhi .
Kugadzira nyanzvi yemusha kuchakutaurira kuti ingani yemishandisi inoda iwe pfuma yako. Verenga zvakawanda pamusoro peKushandiswa Kwezvakanaka uye Zvechokwadi Cash Value Options dzinogona kukanganisa mari yakawanda yezvinhu zviri mukati mako kana chivakwa.
Kudzivirira Kwauri Kurarama
Funga nezvekufirwa kwekugara kwaunogara kwemwedzi mishomanana nekuda kwekukuvadzwa kwemvura, moto, kana zvimwe zvirevo. Ungakwanisa here kubhadhara nzvimbo yekugara usina rubatsiro? Kana zvisingaiti, zvino unoda Zvimwe Zvimwe Zvimwe Zvinoshandiswa Kugovera .
Car Inishuwarenzi yeVhembera Cars
Vanhu vazhinji vanoedza uye vanochengetedza mari pamotokari yemotokari kuburikidza nekukumbira bhosinisi shoma . Iyo inoshuwarenzi ishoma haifaniri kuvhara zvinhu zvakadai kana dombo richirova bhodhi rako, iwe unopera kunze kwekutungamira paunenge uchityaira, kana kana iyo motokari inopisa moto, inoparadza kana kubiwa.
Zvakadini Kana Motokari Yako Iri Kugadziriswa Pamusana Pechiitiko, Unoda Imba Yekugara?
Funga kuwirirana uye kuverenga zvakakwana. Kana iwe usiri kugoverwa, iwe haungabhadharwi mukutora kana kuwana motokari yakasungwa apo motokari yako iri kugadziriswa nekuda kwegadziriro kana njodzi.
Dzidza zvakawanda pamusoro pekugoverana kwakakwana pano .
Gap Insurance: Unoda Here?
Inishuwarenzi yeGap haisi mvumo, asi inogona kukudzivirira kana iwe uchikweretesa kana kubhadhara motokari yako. Paunenge wakabhadhara chikwereti chako, iwe unogona kunge usingadi kugoverwa. Verenga zvakawanda
Indumisi Yemubhadhari Yega
Inishuwarenzi yekuremara inochengetedza mari yako kana iwe uchinge usingakwanisi kushanda nekuda kwechirwere kana njodzi. Inowanzowanika sechikamu chebasa rinobatsira purogiramu. Kune marudzi maviri ekuremara, kwenguva yakareba uye kwenguva pfupi kuvhara kwekuremara. Kana iwe uchizvipira, kana uri kuzvipira , iwe unogona kufungawo kutenga inshuwarisi yehurema hwehuga.
Nzira Yokuverenga Nayo Kuremara Kwakawanda Sei Unoda
Inishuwarenzi yekuremara inowanzova 60 muzana (kusvika pamwedzi wepamusoro) wemari yako yekusaporesa. Unogona kuverenga kuti unoda zvakadini nekuwedzera:
- mari yaunotora chikwereti kana renha
- mitero yemitengo
- zvishandiso
- groceries
- chikwereti repayments
- premiums premium
- utano hwemari
- kumba kugadzirisa mari
- motokari yemari yemari kana kubhadhara mari
- Kana iwe uine mari yekubatsira kubhadhara mari iyi
Mwedzi mitatu kusvika kumitanhatu yemari yekuchengetedza ndeyekuchengeteka kwekodzero yekuchengetedza kubatsira kana iwe uchinge usina kushanda kana wakagadzikana kwenguva pfupi.
Life Insurance
Pane zvakawanda zvinoshandiswa pakuponesa mari mukusarudza inshuwarano yehupenyu . Kuziva kana iwe uchida inshuwarisi yehupenyu ndiyo danho rokutanga, uye iwe unogona kuverenga zvakawanda pamusoro peizvi munyaya yedu: Kuziva Kwatingaita Kana Unoda Upenyu HweInishuwarenzi .
Inguva Yenyu Inishuwarenzi Inowani Unoda?
80 muzana yevatengi vanofungira mutengo wemishuwarenzi yemazuva ehupenyu, vachifunga kuti yakakwirira kudarika iyo inonyanya kukosha.
Inishuwarenzi yehupenyu ndeimwe yemhando inotengeswa yeinishuwarensi kana iwe uchiitenga pakutanga kwehupenyu. Kusarudza inishuwarenzi yeupenyu inotengesa iyo inonzwisisika mumamiriro ako ezvinhu yakakosha. Mumwe mutariri wezvemari achakwanisa kugara newe uye kuverenga kuti unoda zvakadini kushandisa zvido zvekuongorora kuverenga.
Iwe unofanirwa kuzivawo zvaunogona kuwana ikozvino uye kuti chii chinokosha. Pakupedzisira, kuva ne inshuwarisi yehupenyu zviri nani kupfuura kusina chinhu, funga kuisa mberi:
- Mari yekubhadhara chikwereti chako
- Mari yekubhadhara chikwereti
- Mari yekudzidziswa kwevana ($ 15,000 pagore yekoroji pamwana mumwe mutsetse wakanaka unotangira)
- Inguva yakareba sei iwe uchida kudzorera mari yako kune vemhuri yako kana kubatsiri ? Vamwe vanhu vanoshandisa katatu mari yavo semutungamiri, zvichienderana nemamiriro ezvinhu
- Pakupedzisira mari
- Asset, kusanganisira kuchengetedza, kubhadhara mari, pensions, nezvimwewo.
- Inishuwarenzi kubva kumashandiro enyu inshurensi yehupenyu, kana humwe huripo huri inshuwarisi yveshuwarensi yeupenyu
Pane imwe nguva zvinhu zvose izvi zvinotorwa mukufungisisa kuti mhuri ichadikanwa sei kurarama zvakanaka?
Zano: Yeuka mhuri yako yezvinodiwa ine chikamu chekushandisa mari yako yekugara ... Usakanganwa kugadzirisa kukosha ikoko apo uri kufunga kubvisa mari.
Chirongwa cheHupenyu Hwinshurensi: Zvimwe Zvikwereti zveInishuwarenzi Muhupenyu Hwakasiyana-siyana
Kutenga inshuwarisi yehupenyu inofanira kunge iri chikamu chegadziriro yega. Funga kuti iwe unogara kwenguva yakareba, mari yako yakawanda inogona kubhadharwa uye zvinhu zvichavaka kuti urege kugadzirisa mari. Iwe unogona kusarudza mitemo yakawanda yemashoko akasiyana-siyana kuti ugadzire kwenguva refu. Kurukurai zvisarudzo pamwe nemudzidzisi wenyu wezvemari.
Health Insurance
Kusarudza bhajeti yemishuwarenzi yehutano kunoenderana nemamiriro ako ezvinhu. Funga zvakasiyana-siyana kune rudzi rweurongwa wauri kutsvaga.
Muhutano inshuwarisi mubvunzo hausi iyo yakawanda asi rudzii rwehutano inshuwarhu iwe unoda. Zvirongwa zvakasiyana-siyana zvinopa zvishoma kana zvishoma kushanduka, zvakaderera kana zvishoma zviduku, kuwanika kuvanachiremba kana kana pasina utano hwehutano hwehutano hupi zvidzidzo .
Dzidza zvakawanda nezvehutano hwehutano hunodiwa nekuongorora 10 zvikamu zvehutano hwehutano inshumo yekuchengetedza mari , uye chengetedza zvinobatsira zveHSA kana kuti FSA's kuti ubatsire kunzwisisa zvakawanda nezvekushandisa sarudzo yehutano yehutano kuti zvive zvakanaka.