Zvikanganiso muBabhadhari Mutungamiri
Kufanana nemakambani akawanda, yako yakasimba inogona kupa mushandi kubatsiro sehutano inshuwarhu kana kuona maonero. Izvo zvakanaka zvikomborero zvinogona kukubatsira kukwezva vashandi vatsva uye kuchengeta izvo zvaunazvo.
Asi, zvikomborero zvinogona kuva chikonzero chemhosva pamusoro pekusimba kwako kana isingatarisirwi zvakanaka. Kunyange zvinyorwa zvinyorwa zvishoma zvinogona kuva nemigumisiro mikuru.
Somuenzaniso, funga kuti kambani yako ine zvivako zvakawanda zveimba. Bob, mushandi mushandi wekugadzirisa, anozadza mapepa anodiwa kuti anyorese muurongwa hwehutano hwakabhadharwa nekambani. Zvinosuruvarisa, Bob haana kunyorwa nekuda kwenzira yekunyora yakaitwa naKristin, mutungamiri wevanhu. Mwedzi mitanhatu gare gare, Bob anobatwa muchipatara nechirwere chikuru. Anoshamiswa kuziva kuti haana hutano inshuwarisi. Apo mabhizimisi ake ezvokurapa anounganidza, Bob anokwidza mutongo unoda kubhadharwa mari yake. Sutu yake inonzi Kristin uye yako yakasimba.
Kwete Akafukidzirwa Nemitemo
Zvinokodzera seBob hazvisi pasi pekutengeserana kwemitemo. Nokuda kwechinhu chimwe, kukanganisa kwehutungamiri hahuna kusananganisa tsanangudzo ye "chiitiko" mumutemo.
Chechipiri, kukanganisa kwechifundisi hakuna kukonzera kukuvadzwa mumuviri kana kukanganisa kwemuviri . Pane kudaro, vanokonzera kukuvadzwa kwemari, izvo zvisina kuvharwa nemitemo.
Iwe unogona kuvhara kambani yako kupesana nezvikwereti zvinokonzerwa nemapurisa ekutenga nekutenga chikoro chebasa rebasa (EBL). EBL kugoverwa kunogona kuwedzerwa kune mutemo mukuru wekodzero kuburikidza nekubvumirwa.
Kazhinji zvirevo zvakaitwa
EBL zvibvumirano zvinowanzovhara mhirizhonga iyo inshudha inobvumirwa nemutemo kubhadhara nekuda kwechiito, kukanganisa kana kusakanganiswa kunoitwa muhutungamiri hwevashandi vanobatsirwa. EBL kugoverwa kazhinji kunopomerwa , kunyange zvazvo dzimwe nguva inowanikwa pane zvinoitika.
Kufanana nehuwandu hwezvakaitika-hunobudiswa, EBL inshumbato inogona kusanganisira zuva rekudzoka. Izvi zvinowanzova musi waunotanga kuvhara EBL kutanga. Nokuda kwekutaura kana sutu rinofanira kuvharwa pasi pekubvumirwa kwako kweEBL, inofanira kubva pane chiito, kukanganisa kana kukanganisa kwakaitika kana kana mushure mezuva rakatarwa rinodzokorora.
Zvakazarurwa Mabasa
Ndezvipi zvikanganiso zvakafukidzwa neEBL endorsement? Mhinduro yacho kazhinji inobva pane zvinorehwa neshoko remitemo . Tsanangudzo yeshoko iri inopesana, asi inowanzoreva zviito, zvikanganiso kana kusasirwa mumabasa anotsanangurwa pasi apa.
- Kurondedzera zvirongwa zvinobatsira uye mitemo yekufanirwa kune vashandi, dzimwe nhengo dzemhuri dzakakodzera, uye vanobatsirwa. Somuenzaniso, mutariri anobatsira anotaura nenzira isina kukodzera anoshanda kuti mukomana wake anorarama ari mukodzero yekambani yekuchengetedzwa kwehutano yehutano.
- Kuchengetedza mafaira uye zvinyorwa zvine chokuita nevashandi vanobatsira, kana zvinyorwa zviri magetsi kana pepa Somuenzaniso, kubatsirwa kwevashandi zvakangoerekana kwasvibisa faira yemagetsi yevashandi kana kurasikirwa nepepa rake pepepa.
- Kunyora, kuchengetedza nekugumisa vashandi, nhengo dzemhuri dzakakodzera kana vatsigiri muzvirongwa zvekubatsira Somuenzaniso, vashandi vanobatsirwa vanowedzera kuwedzera mushandi webasa kune chirongwa che inshuwarisi yehupenyu inopiwa nemushandi.
Zvakaputirwa Zvipo
Paunenge uchitenga EBL inshuwarisi, iva nechokwadi chokuti kubvumirana kunovhara zvirongwa zvekubatsira iyo kambani inopa. Zvibvumirano zvakawanda zvinotsanangura chirongwa chebasa rebasa rinoshanda. Tsanangudzo iyi inowanzobatanidza zvinotevera:
- Inishuwarenzi Hupenyu, njodzi, mazino uye zvechiremba uye mamwe marudzi einishuwarenzi
- Zvirongwa Purogiramu, kugovana, kugovera pfuma uye kuchengetedza, nezvimwe zvirongwa
- Kubatsirwa Kwemagariro evanhu, vashandi vanobhadhara , vanoshaya uye vasina mabasa
- Zvimwe Zvingangosanganisira zvikomborero zvakadai semubhadharo rubatsiro uye zororo rekuberekwa
Zvikamu
Bhizimisi Bhizimisi Kuvharwa kwekodzero kunowanzobatanidza miviri miviri yakasiyana.
Imwe Chengetero yeVashandi ndiyo ndiyo inonyanya kubhadhara mubhadhari kune mushandi mumwe chete, vedzimba dzake uye vatsigiri. Muganhu weAggregate ndiyo inonyanya kukoshesa mubhadhari wezvikwereti zvose, zvikanganiso kana kuregererwa. Cherechedza kuti kubvumirwa kweEBL kunogona kusanganisira deductible . Mari inodonhedzwa ndiyo inowanzobhadhara mari yevashandi kunze kwemashandi emubhadhari wega wega wega anoshandisa kudai.
Exclusions
EBL inshuwarheni haisi kuratidzika kuvhara chikwereti chako se fiduciary. Nokudaro, inosanganisa kusvibiswa kwatinopikidzi chero ipi zvayo inotarisirwa pasi peHarare Employee Retirement Income Security Act. Inosanganisirawo zvikwereti zvinokonzerwa nehurombo huri mazano kana nezvekufanotaura kwekushanda. Somuenzaniso, funga kuti mushandi anobatsira anoudza mushandi kuti chirongwa chekambani ye 401K chichaita kudzoka kwe 400% mugore rimwechete. Kana mushandi wacho achizobvunzurudza kubatsirwa kwevashandi nokuti zvaanofanotaura hazvina kubuda, kudai hakuzofukidzi.
Zvimwe zvikonzero zvinosanganisira Kubiridzira, Kuvhara Kwechibvumirano, Kurwisa Kwemapurisa uye Kuparadza Pfuma, Maitiro Anosangana Nebasa , uye Insufficient Funds (kubhadhara mari). Maitiro-ane chokuita nemabasa anosanganisira zviito zvakadai sekusarurwa , kushungurudzwa kwepabonde, uye kukanganisa kusagadzikana. Shanduro yeEBL inogona kusanganisira zvimwe zvisiri izvo kunze kwezvinoratidzwa pano.
Kuwedzerwa Kunyoresa Period
Nemhaka yekuti zvibvumirano zvakawanda zveEBL ndezvakaitwa, zvinowanzobatanidza sarudzo yekutenga nguva yakawedzerwa yekubika . Muchengetedzi wako anofanira kukupa sarudzo iyi kana ikaita chero cheiyi inotevera:
- cancels kana kuti kwete rezvezvezve EBL kuparidzira
- renews kana kuti kutora nzvimbo yako EBL inshuwarheni nehutano-hwekugoverwa hunova nezuva rekare rekudzoka pane rimwe remutemo wako wezvino
- renews kana kutora nzvimbo yako EBL inshurenzi neEBL kuparidzira inoshanda pane zvinoitika
Zvinoda EBL
Chido chekuvhara EBL kunobva pane zvakadai sekushanda kwemusoro wevashandi nemhando dzezvipo zvinopiwa. Ikokuvhara kunoshanda senhare pamusoro pezvikwereti zvakakura nevashandi vanovhiringidzika kana vatsigiri vavo. Icho hachifaniri kushandiswa sechinotsiva kukanganisa kwakanaka kwekutengesa.
EBL kuparidzira haisi kukosha kune rimwe bhizinesi. Imwe iyo inoshandisa nhamba shomanana yevashandi kana iyo inopa zvishomanana kana zvisingabatsiri hazvizodi kugoverwa. Mutengi wako kana mutengesi anogona kukubatsira kuti usarudze kana kutenga kuvhara kweEBL.