Dambudziko reMhosva
Makambani akawanda anobata muukama hwebhizimisi nedzimwe mafemu. Kunyange zvazvo ukama uhwu hunogona kubatsira, hunoitawo mungozi wekutongwa kwemhosva.
Imwe kambani inogona kukanganisa kuisa njodzi inokuvadza mumwe wechitatu. Uyo akakuvadzwa ini ndiye mushure mumwe chete kana makambani maviri nekuda kwekukuvara. Heano mimwe mienzaniso:
- Regal Realty inoshandisa Apex Apartments, imba yakazara. Regal hires Prime Painting, mukonesi wependira, kupeta mukati mekuoma. Mutungamiri mushandi ari kuchenesa mabhanhire ekupenda paanoerekana aputsira fodya mumudziyo wepende hwakakosha. Iyo pende yakaonda inopisa, ichikonzera moto. Muridzi weimba iri pedyo akakuvara neutsi. Anopomera zvose Premier Painting uye Regal Realty nekukuvadzwa mumuviri .
- Fancy Foods inoshanda neresitoro mune zvekutengesa iyo inotora kubva ku Buildings, Inc. Lisa ari kutengesa muchitoro apo tile yakadonhera inowira pamusoro wake. Lisa akakuvara uye anotora zvose zviri zviviri Fancy Foods uye Buildings Inc. kumubhadhara.
- Able Appliances anoparadzira firiji inogadzirwa ne Handy Home Products. Munhu anogona kutengesa ari kuratidzira firiji chinhu kune mutengi kana panopinda panopinda pamusuo. Steve, mutengi, anokuvadzwa nejeri rinobhururuka. Anopikisa vose vatengesi (Able Appliance) uye Handy Home Products kuti vakuvadze mumuviri.
Mune imwe neimwe yemuenzaniso uri pamusoro apa, kusaregererwa kunoitwa nekambani imwe kwakakonzera njodzi yakaguma kune kuda kune mumwe. Regal Realty, Buildings, Inc. neAble Appliances vanogona kuzvidzivirira pachavo kune zvirevo zvakadaro vachida kubhadhara sevhisi yakawanda pasi peimwe mimwe mitemo yemhosva .
Zvimwe Kuwedzerwa Kwekuchengetwa Kwekuchengetwa
Zvimwe zvekuchengetedzwa kwehupfumi zvinowanzogoverwa kuburikidza nekubvumirwa . Zvimwe zvinotsigirwa zvakajeka. Vanoputira munhu kana kambani yakarongerwa mubvumirano chete. Vamwe vanopa chivharo chokuvhara. Vanovhara chero ani anosangana nedudziro yevhosi yechipupuriro mukugogodza.
Yakawedzerwa kuwedzerwa kwekuchengetwa kwebhizimisi yakagadzirirwa kuvhara mamwe marudzi emapato. Somuenzaniso, zvimwe zvakagadzirirwa vashandi venyika, asi vamwe vanofukidza hurumende kana hurumende dzenharaunda dzakabudisa reisense kana mvumo. Zvimwewo zvinotarisirwa kuvhara vadzidzisi veprojekti kana makambani makuru avo vane vashandi vanoita basa.
Vamwe vatsigiri vanoshandisa zviyero zvakakwana zvinotsigirwa nehupfumi zvakagadzirwa neIO . Vamwe vanoshandisa zvibvumirano zvavakazviita ivo pachavo. Nokudaro, zvibvumirano zvingasiyana zvakasiyana. Zvibvumirano zviviri zvinogona kuvhara varidzi venyika sevamwe insureds, asi imwe inogona kupa huwandu hwakawanda kupfuura humwe.
Chero chipi nechipi chinyorwa chinopiwa kune kambani yako pasi pekuwedzera kwekuchengetwa kwekuchengetedzwa kwekuchengetwa kwekuchengetedzwa kunofanira kushandiswa pane chekutanga . Izvi zvinoreva, kana kudai kuiswa kune iwe iyo yakafukidzirwa nekubvumirwa, mubhadhadzi weti policyholder anofanira kubhadhara kutanga. Iwe haufaniri kunge uchifanira kuvimba nemutemo wako wemhosva yekuvhara chibvumirano kunze kwekuti uye kusvikira iyo yezvekuwedzera bhizinesi yakashandiswa yakashandiswa.
Mimwe mitemo yemitemo inoshandisa mashoko ayo anonyatsovhara mamwe mapoka, akadai nevatengesi kana makontrakta, sevamwe insureds. Apo mazwi aya akabatanidzwa mubumbiro, hapana zvibvumirano zvinoda kuvhara mapato aya.
Zvibvumirano
Kufanana nemabhizimisi mazhinji, yako yakasimba ingangodaro yakabatana muukama hwebhizimisi nedzimwe kambani. Semuenzaniso, iwe unogona kunge wakashandira kontrakiti kuti uite basa, rakakodzera chivako kune chimbadzi, kana kuti mashandisi akarenda kumutengi. Nokuti hukama hwakadaro hunogona kukonzera kukwidza kupomerwa kwako, unofanira kuda imwe kambani kuti ivhare bhizinesi rako seyezve inshuwarisi.
Chinodiwa chekuwedzera chekuchengetedzwa kwekuchengetedzwa kwekuchengetedzwa kunofanira kujekeswa zvakajeka muchibvumirano chako. Izvi zvinokosha kune zvikonzero zviviri. Chokutanga, kontrakiti ichapa vimbiso yakanyorerwa yezvimwe zvinosungirwa nekambani kwauri.
Chechipiri, mamwe emashoko ekuchengetedzwa kwehupfumi anopa kugoverwa chete kana humwe hutachiwana huripo hunodiwa nekodhidhi yakanyorwa . Apo mazwi aya akabatanidzwa mukubvumirana, yako yakasimba haigone kupiwa chinyorwa chekuchengetedzwa kwehupfumi kunze kwekuti kontrakiti inonyanya kuchida.
Dzimwe hukama hwebhizimisi hunogona kuti iwe usimbise kuisa imwe kambani sehumwe inshuwarisi. Iva nechokwadi chekuverenga chibvumirano zvakanyatsonaka kuitira kuti unzwisise zvaunosungirwa. Chibvumirano hachifaniri kukwanisa kuparidzira zvakanyanya kune yakawedzerwa inshurenzi kupfuura zvinowanikwa nemutemo wako. Iwe unofanirwawo kutarisa miganhu pane zvaunoda kuita kuti uone kuti yakakwana. Kana kudai kuiswa kune iwe uye kune imwe inshuwarisi, chero zvinokuvadza zvakaongororwa maererano nezvakawedzerwa inshumo zvinogona kuderedza miganhu inowanika kune yako yakasimba.
Uchapupu hweInishuwarenzi
Kana kambani yako ichibhadharira kambani yekuzvimirira , iva nechokwadi chekuti kontrakta yakatenga inshuwarisi yemhosva. Simbirira kuti kontrakiti inopa uchapupu hwekugoverwa nenzira yetipi yehutano inshuwarisi . Danai mujeri kana mutengesi (kana kuti vaiti ve-inshuwarisi ) vakanyorwa pane chibvumirano kuti vaone kuti mitemo iripo.
Kana chibvumirano chenyu chichitsvaga imwe kambani kuti ikufukidze seyezve inshuwarisi, idirei kopi yemamwe mabhizimisi anotsigirwa. Kumbira mumiririri wako kana mutengesi kuti aongorore kuvimbiswa kuti ave nechokwadi chokuti inosangana nezvinodiwa muchitambisi chako. Kumbira gweta rako kuti riongorore kuvimbiswa zvakare.
Unhu Hwako Inishuwarenzi
Kana yako yakasimba yakafukidzwa pasi peimwe mitemo yemhosva yekambani seyezve inshuwarisi, unogona here kubvisa inshuwalisi yemhosva ? Mhinduro yacho kwete! Kubvumirana hakuna kufanana nehutano hwemhosva. Iko inowanzovhara imwe yechipupuriro chete maererano neimba, purojekiti, chigadzirwa, zvigadzirwa nezvimwewo zvinorondedzerwa muchibvumirano. Iyo haifaniri kuvhara mari yakawedzerwa kune imwe yemamwe mabasa.
Sekuwedzera kune inshuwarisi, zvakare, iwe unowanzovharwa kune zvikwereti zvinobva kune uyo anonzi anishuwarenzi kusaregerera kana kubva pakusateerera kwekuita pamwe newe uye anonzi anishuwarenzi. Chimwe chivimbiso chekuchengetwa kwehupfigiro chinogona kugovera pasina kugoverwa kwezvirevo zvinokonzerwa nekuregererwa kwako chete. Kuti udzivirire kambani yako kupikisa zvinodaro, unofanira kutenga mutemo wemhosva.
Chinyorwa chakagadzirwa naMarianne Bonner