9 Mishandiro Okugadzirisa Kwevashandi Mienzaniso

by Marianne Bonner

Inishuwarenzi yokubiridzira yakapararira muvashandi. Vatadzi vanogona kunge vari vashandi, vashandi, vateresi kana kuti chero ani zvake anobatanidzwa muhurongwa. Heano mimwe mienzaniso yehutsotsi hwehushuwarisi.

01 - The Shell Game

Apo vashandi vanoita kubhadharwa kwevashandi, kukanganisa kwavo kunowanzorega kubhadhara mari yevashandi ekubhadhara mari. Vashandi vanoshandisa nzira dzakasiyana-siyana kuti vaite izvi. Rimwe rinosanganisira kushandiswa kwemakambani ego shell. Iyi ndiyo yaiva nzira inoshandiswa neSouth California murume.

Muiti wehutori aiva muchengeti weChechi yeSeti yeLos Angeles County. Akasika makambani emakambani ekuchengeteka ane mazita akafanana kana akafanana. Makambani anoshandiswa vanenge vanosvika 2 700 vashandi vekuchengetedza muCalifornia.

Mutevedzeri akagadzira kambani yekubatisa fake. Akabva atsigira kambani iyi pasi pehutano hwevashandi. Akaudza bhizimisi rake kuti bhizinesi rake raishanda nevashandi 35 chete. Haana kutenga chero kugoverwa kwemakambani akashanda vazhinji vevashandi vake. Mutevedzeri akabva atumira zvinyorwa pasi pechirongwa chekuvhara imwe kambani yevashandi vanoshandiswa nomumwe. Bhizimisi rekambani iyi rakafumura chirongwa chake apo raibhadhara vashandi kupa zvinyorwa .

Mutevedzeri akatongerwa utsotsi hwakawanda hwebasa, inshuwarheni yekunyengedza, uye kusachengetedzwa kwepamutemo kwezvombo zvokurwa. Akagamuchira makore mashanu akambomira mutongo nokuda kwekubiridzira uye akatumwa kuti ashumire mazuva makumi maviri nemaviri musungwa. Kunyengerwa kwake kunodhura mubhadhari wake inofungidzirwa $ 10.1 mamiriyoni murasi yemahara.

02 - Vaiva Vadzidzisi, Kwete Vashandi

Vamwe vashandi vanoedza kuderedza purogiramu yekubhadhara kwevashandi vavo kuburikidza nekutadza misclassifying vashandi kana kudzingirirwa kwebhadharo. Munhu weWashington akaita zvose izvi. Sezvaakazoona, zviito zvakadaro zvinogona kuva nemigumisiro yakaipisisa.

Murume nemudzimai wake vakashanda bhizinesi rakaoma muWashington. Washington ihurumende yekutonga , uye mapurogiramu ose ekubhadhara kwevashandi anokonzerwa neDhipatimendi reMabasa neZvashandi (L & I). Bhizimisi bhizimusi akatenga mushandi wemari yekubhadhara vashandi, kuronga vamwe vashandi sevana vambani . Akanyorawo pasi mubhadharo wake.

Benzi rebhizimisi rakaratidzwa mushure mekubatana kwevanamati vebazi vachipa mabasa ake kuna L & I. Murume uyu akarayirwa kubhadhara $ 1 mamiriyoni mumitambo yepamusoro, mari yekupedzisira, uye kufarira.

03 - Inishuwarenzi Inotengesa!

Vamwe vashandi vanogadzira, vachiwana nzira itsva dzekuita kuti vashandi vakwanise kubhadhara rusununguko. Mumwe mukadzi weFlorida "akadzingwa" mutemo wake kune vamwe.

Mukadzi uyu akasika kambani yekambani yaakatenga mari yevashandi. Akaudza bhizimisi vake kuti akanga ashanda mukuvaka kwemakore gumi uye akashanda vashandi vashanu. Muzvokwadi, akanga asati amboshanda mumashandisi ekugadzira uye haana kushandisa chero munhu.

Mukadzi wacho akabudisa zvikwangwani zvehushuwarisi zvakanyora nhamba yake yenhamba muchikamu chemari yevashandi. Akatengesa zvituti kuvakontrakiti vasina uninsured kuitira kuti varege kudzipa kubhadhara mari yevashandi. Maererano neFlorida Department of Financial Services, mukadzi wacho akabudisa zvipupuriro zvinopfuura 250 uye akabatsira makandarani kudzivisa $ 2.1 mamiriyoni emashandiro ekubhadhara mari yevashandi. Akasungwa uye akapomerwa mhosva dzakawanda.

04 - Ndiri Kukuvadzwa Kuzoshanda asi Ndinogona Skydive!

Vashandi vanogonawo kupa vashandi mari yekubhadhara. Vamwe vanoedza kuwana zvipo zvekuremara kuburikidza nokuisa chirevo nokuda kwekukuvara kana kuwedzeredza.

Mumwe murume wokuCalifornia aishanda semucheka wekrete nekambani yekuvaka muSanta Clara, California. Akaisa mhaka nokuda kwekudaidzwa kwe-ku-basa kukuvadza kuruoko rwake rworuboshwe. Akataura kuti kurwadziwa kwekukuvadzwa kwakanyanya zvokuti haana kukwanisa kushandisa ruoko rwake rworuboshwe. Akati akange asingakwanisi kutyaira uye haana kukwanisa kudzokera kubasa.

Murume wacho akanga asiri kubasa kwemwedzi mitatu apo mumwe muvhidzi akaisa mumubhadhari. Kwete chete "mushandi wekukuvara" anotyaira, akanga achipa zvidzidzo zvekudenga. Akaonekwa kuti haana kuoma zvachose kushandisa ruoko rwake rworuboshwe. Murume uyu akacherechedza kukwira ndege neyekudenga uye kushandisa parachute nevatengi vakasungirirwa kumuviri wake.

Murume uyu akapiwa mhosva yekubiridzira bhizimisi yemari yevashandi vashandi vake vanenge $ 52,000. Kana akatongerwa mhosva, aigona kuiswa mujeri kwemakore anopfuura mashanu uye kumanikidzirwa kubhadhara kubhadhara kwezvakabatira.

05 - Chii chakanaka kune avo Facebook Posts!

Kana iwe ukanyora kubhadhara kwevashandi venhema, usaparidzira iwe usina kunaka pamagariro evanhu. Mumwe mukadzi weOhio akadzidza chidzidzo ichi nenzira yakaoma. Akanga atora chirevo chekuti akakuvadzwa muchikwata uye chiitiko chinowira mune imwe kambani yekupaka motokari. Mutsamba ye Facebook, zvakadaro, akataura kuti kuwira kwakaitika pane imwe nzvimbo yegesi. IOhio Bureau of Workers 'Compensation yakadzidza pamusoro penyaya. Mukadzi wacho akarayirwa kubhadhara mubhadharo uye kudzorera zvese zvaakawana.

06 - Iyo Yakazara Mukukuvara Kwakazara

Vamwe vashandi vanoenda kunzvimbo dzakanyanyisa kuti vakuvadze . Chimwe chezvinyanya kuzivikanwa chakanga chakaitwa mutambi wezvidzidzo uyo akanyora mudzimai wake kuti abatsire kuita chirongwa chake.

Uyu mutadzi aiva mutyairi webhasi yeSun Coast Transit Authority muFlorida. Akatsigira kukuvadzwa kwekutsvaira uye kugumburwa mubasa uye akaziviswa zvachose uye akaparara zvachose. Mumakore 10 anotevera, akaunganidza $ 750,000 muhutano hwekuremara. Pakupedzisira, bhizimisi rehurumende yekufambisa rakabva rava kunyunyuta. Kutenda kuti hurema hwemunhu hwakagadzirwa, hwakatumira mutsvaga kumubvunzurudza. Paakabvunzwa, mutyairi webhasi wekare aifunga kuti akanga asina simba mupfungwa uye akazoita nezwi rakaita semwana. Mudzimai wake akataura kuti kukuvara kwakange kwaita kuti murume wake adzokere kumakore ekufunga kwemakore mashanu. Akarambawo akatarisa chirwere.

Mutsvaga akazoona murume wacho achifambisa, achivhima uye achitamba gorofu pasina chiratidzo chekuremara kupi zvako. Murume nemudzimai wake vakave nemhosva yekubata kukuru uye kubhadhara kwevashandi. Vakatayirwa kuti vadzorerezve insurer $ 700,000.

07 - Operation Spinal Cap

Vamwe vashandi vanobhadhara mari yevashandi vanoitwa nevatapi. Iko rudzi rwekubiridzira runogona kudhura zvikuru, kunyanya kana rinosanganisira vatengesi vakawanda.

Vadzidzi vatanhatu vehutano muCalifornia vakapinda mumutambo wakaoma wevashandi 'kubhadhara rusununguko. Vatambi vacho vaisanganisira chipatara CEO, CFO yechipatara chakasiyana, vanachiremba vezvipembenene, chiropractor, uye mutengesi wezvokurapa. Vashandi vezvipatara vakabhadhara zvikwereti kumapurini emagetsi uye chiropractor nokuda kwekutarisa kwevarwere. Vanachiremba uye chiropractor vakagamuchira mubhadharo wekuvhiyiwa imwe neimwe. Vakavanza kubhadharwa kubhadhara kuburikidza nekugadzira zvibvumirano zvenhema zvebasa ravasina kumboita. Vakatengesawo mari yezvipembenene zvezvokurapa zvinoshandiswa mukuvhiya.

Zvipatara izvo zvino zvinokweretesa vashandi vekubhadhara mari yevashandi uye neDhipatimendi reMabasa (iyo inoshanda mamwe mapurogiramu ekubhadhara vashandi vehurumende). Kunyengedza kwakagara kwemakore gumi nemashanu. Munguva iyoyo, mumwe chiremba akavhiya akawana mari inopfuura $ 5 Mamiriyoni muzvikwereti. Mumwe chiremba wechiremba uye chiropractor mumwe nomumwe akagamuchira kudarika $ 1 mamiriyoni. Chirongwa chacho chakawanikwa nevatsvakurudzi veFBI, iyo yaitumidza kuti Operation Spinal Cap. Vose vatanhatu vanopomerwa mhosva vanopomera mhaka kune mitsara yakasiyana-siyana yekunyengera. Vose vanotarisana nemitongo yejeri uye vanofanira kubhadhara mari yaba.

08 - Shanduro yeSpain yeVatauriri veSpain

Mutengesi anogona kupa kune vamwe vanhu kunze kwevashandi vezvokurapa. Mumwe murume wokuCalifornia nehanzvadzi yake vaishanda nekambani yakaita shanduro dzemabasa. Iyo kambani yakapa mazano kune vakakuvadzwa vashandi veLatin.

Pakati pegore ra2008 ne2012, kambani yakabhadhara makambani einishuwarenzi kupfuura $ 24.6 mamiriyoni pamhosva dzenhema. Vana vomunun'una vacho vanobhadhara mabasa kumakiriniki umo vanachiremba nevashandi vainyatsoziva muchiSpanish, saka hapana maishanduri ekushandura aidiwa. Maererano neCalifornia Insurance Department, kambani yakabhadhara $ 422,000 nokuda kwebasa rakapiwa nemuturikiri uyo akanga ari mujeri apo mabasa aifungidzirwa achiitwa. Iyo yakabhadharawo zviitiko zvebasa zvinogara maawa anopfuura 12 pazuva. Iyi yakanga iri maawa akawanda kupfuura kliniki yakanga iri kushanda. Chirongwa chacho chaisanganisira vanhu vapfumbamwe, avo vose vakasungwa uye vakapomerwa mhosva yekunyengera.

09 - Self-Enrichment Through Self-Inishuwarenzi

Vashandi, vashandi, uye vateresi havasi ivo voga vanoita kubhadhara kwevashandi. Dunhu rePennsylvania rakarashika madhora madhora mazana matanhatu nemakumi matanhatu nemakumi matanhatu nemakumi matanhatu nemakumi matanhatu nemakumi matanhatu nemakumi matanhatu nemakumi matanhatu nemakumi mashanu nemakumi matanhatu nemakumi matanhatu nemakumi mashanu nemakumi mashanu emadhora makumi mana nemazana matanhatu.

Vaviri vevamwe vaiva nekambani yekugadzira mabhizinesi. Iyi ikambani yakabhadharwa kuti ipe vashandi mari yekubhadhara mari yehurumende yehurumende inoshandiswa neChipatawanna County. Sezvo muchengeti wehurumende, hofisi yaifungidzirwa kugadzirisa zvikwereti kubva kune vapeereri, kubhadhara zvikwereti, uye kubudisa mitsva yakasiyana-siyana. Pane kudaro, avo vakaroorana vakapedza mazuva avo ebasa kusvuta fodya uye kutarisa zvinonyadzisira paInternet.

Vaya vakaroorana vakabhadhara mari kubva muhomwe uye vakashandisa iyo kuti vawane mari. Vaviri vakatotora chikamu chekambani mutungamiri pane rwendo (pamutengo wevanhu) kune Playboy Mansion muCalifornia. Varume vaviri ava vakatongerwa mhosva dzakasiyana-siyana, kusanganisira mari yekutengesa mari, kubvisa mitero, uye kushambadzira kwehushuwarisi. Mumwe akatongerwa mwedzi gumi mujeri asi imwe yakagamuchira mwedzi 70.