Pros uye Cons yeVimbiso yeMunhu
Zvokutengeserana ibasa rekutsvaga risina ngozi kune mabhangi nevakweretesi. Kunyange iyo Small Business Association (SBA) ikozvino inoda kuti zvikwereti zvose zvakapiwa kuburikidza neSBA zvinofanira kunge zvakasimbiswa nomunhu wese ane 20 muzana kana kuti huwandu huzhinji muchitoro.
Paunopinda sechirongwa chako pachako pane chinyorwa chechitoro chako chezvitoro, icho chikwereti chisina kuchengeteka. Mune mamwe mazwi, iwe hausi kutarisa imba yako sechisimbiso. Zvisinei, kana chikwereti chacho chisati chabhadhara, iwe pachako unofanirwa kubhadhara - kureva kuti vateresi vanogona kuuya shure kwako iwe pachako izvo zvingakutengesa iwe imba yako kana motokari kana uchifanira kuvatengesa kuti vagutse chikwereti.
Zvechokwadi, kana bhizinesi rakura zvakakwana, vachagamuchira zvinyorwa zvezvemari panzvimbo yechibvumirano, asi iyo ibhizimisi rakakura kwazvo, kwete iyo inowanzoita mutengesi. Iwe usati wasayina iro rakatsetseka, iwe unofanirwa kubvunzurudza mutungamiri kana shamwari. Kana iwe uri muridzi, zviri nyore kuva nerutendo rwakatsauka muchitoro chako. Mushure mezvose, mari ye $ 500 yekwereti nemutengesi haisi huru yekutengesa, iwe unogona kufunga. Asi nhoroondo imwe yakaenda yakaipa inogona kuisa vose pangozi. Vatengesi vakawanda vanoshandisa "chikonzero" kuti vawane zvikwereti zvavo. Ichi ndicho chikamu chekuverengera chekuita kunze kwezvinhu chinenge chisina kukanganiswa pamativi - chimwe chinhu chinoshanda kune vatengesi vakasiyana-siyana.
Saka kana iwe uri kunetseka kuti munyika munei vamwe vatengesi vakawana? Zvino iwe unoziva.
Enda kusarudza kusayina chirongwa chako pachako zvakafanana nezvose zvebhizimisi rako remazvisarudzo. Cash is king in retail . Kana iwe uchinge uchinge uchinge uchinge uchitengesa (uye iwe unoda) une rugare rwekuchengetedza. Vazhinji vadzimai vebhizimisi vanosarudza kushandisa mari yavo pachavo panzvimbo pevimbiso, iyo inobatsira.
Asi yeuka, iyo solvency yehuroto yako yakagadzirirwa iwe une mari yakawanikwa yekuripa iyo. Ndagara pasi petafura yevatengesi vazhinji vanoshamiswa neP & L vanoti vanoti vari kuita mari, asi havagoni kubhadhara zvikwereti zvavo; havagoni kubuda mari mubhizinesi.
Dambudziko
Pane nzira dzakawanda dzekubhadhara bhizinesi rako rekutengesa , asi zvose zvinosanganisira imwe ngozi kune yako. Semuenzaniso, kana ukashandisa 401k yako kutanga, izvo zvinoshandisa kurasa kwako pangozi. Kana iwe ukakwereta kubva kune imwe nhengo yemhuri, izvozvo zvinoisa ukama hwako pangozi (uye zvichida kukokwa kwako kuKutonga.)
Zviri pachena kuti dambudziko guru ndiro chikwereti chako pachako kana mari yakakosha kana iwe uchifanira kuita zvakanaka pane chikwereti.
Imwe njodzi inogona kunge iri kune mumwe wako. Mazhinji mabhangi achada kuti mumwe wako asayine zvakare kana chikwereti icho chikwereti chiri pamusoro pemumwe muganhu.
Kuenzaniswa nedzimwe mhando dzekubhadhara dzinogona kusanganisira kubhadharwa kwekutora, chirongwa chemunhu oga chinoratidzika mari shoma. Asi haisi nguva dzose. Iva nechinangwa pakuita chisarudzo. Uye ramba uchitarisa kuti waisa kupi "chiratidzo" chako sechirongwa chako pachako. Vakawanda vanotengesa havana chavanoziva kuti kakawanda sei vakasaina chivimbiso uye saka havana ruzivo rwekuda kwekurota kwavo.