Mamwe manheru mashoma mazana vagari veguta Cityville vanofamba pasi kuMugwagwa mukuru. Vari kuratidzira kushandiswa kwemari yehurumende kuvaka imwe nhandare yemitambo.
Chiratidziro chinopfuurira nerunyararo kusvikira boka revatsigiri vematunhu rasvika. Vatsigiri nevashambadziri vanopikisa kushorwa uye kurwisana kunoputika. Zvino mumwe munhu anokanda dombo mumucheka wegirazi hwindo uye mhirizhonga inopera. Vanhu vanokanganisa vanotanga kupamba uye kuparadza mabhizinesi emunharaunda. Nenguva isipi, mhomho inovhuvhuta ichienda ku Capital Capital uye chaos insues. Mapurisa anozopedzisira asvika uye mhirizhonga yacho inopedzwa.
Iko ikozvino mangwanani anotevera uye Carl ari kuongorora mhirizhonga. Irofure yekamberi yapamberi yakaputsika uye musuo wakakuvara. Zvigadziro zvechiedza zvakabvarurwa pamadziro. Midziyo yakaputsika inowanikwa munzvimbo yekudyira. Akasunungura mabhodhoro ewaini, akaputika magirazi, uye akacheka mapepa akavhara pasi. Iko kicheni inoramba yakasimba asi firiji nefriji zvakabviswa zvokudya. Vashandi vanobawo zviitiko zvakawanda zvezvinodhaka.
Carl anofonesa pfuma yake inshumo kuti ataure izvo zvakashata. Anoshandura anosvika maawa mashomanana gare gare.
Apo anogadzirisa anotsauka Carl anounganidza vanhu vanochenesa uye vanogadzirisa. Anoshandura midziyo yemishonga, giraziware nezvimwe zvinhu zvakaparadzwa nemakumbo. Anotora nzvimbo yezvakapambwa zvekudya nekudhakwa.
Iko ikozvino mazuva matatu mushure mekumanikidza. Carl ari kuda kudzorerazve cafe paanonzwa mamwe mashoko akaipa. Dhipatimendi rekudzimisa moto rakavhara Main Street kwevhiki mbiri!
Sezviri pachena, vanokakavara vanoisa moto kune hotera iri hafu yebhande kubva ku cafe. Chivako chacho chakakanganiswa zvikuru uye chiri mungozi yekuwa. Main Street ichavharwa kusvikira chivako chigona kugadziriswa.
Carl akashungurudzika. Akatorera mazuva matatu emari uye kugadziriswa mumugwagwa kuchaita kuti arasikirwa nemamwe akawanda! Ndezvipi zvehupfumi hwake zvinokuvadza uye kurasikirwa kwemari kuchafukidzirwa nehupfumi yehupfumi?
Kuparadza Pfuma Pfuma
Ipo hwindo, masuo nemagetsi zvakasvibiswa mukati memhirizhonga chikamu chekuvaka kwaCarl. Nokudaro, zvinhu izvi zvinofanira kuvharwa pasi peKubatanidzwa Kwekuvaka kunosanganisira mutemo waCarl. Giraziware, midziyo, tablecloths, zvokudya, zvinodhaka nezvimwe zvinhu zvakange zvakuvadzwa kana kubiwa zvinokodzera kugadziriswa pasi peCarl's Business Personal Property kuparidzirwa. Izvo zvinokanganisa zvichave zvichienderana nemiganhu ( chaiyo kana bhokete ) uye zvigadziriswa zvakanyorwa pamutemo wake .
Mhirizhonga, Mhirizhonga yeVanhu, Kuparadza
Yakawanda yemabhizimisi emitemo yakavhara kukanganisa kwakakonzerwa nenjodzi ipi zvayo isingatauri zvakananga. Mhirizhonga, mhirizhonga dzevanhu, uye kuparadza hakuna kunyanya kusabviswa. Somugumisiro, kukanganisa kunokonzerwa neipi yezviipi izvi kunofanira kuvharwa.
Mitemo yakawanda haina kurondedzera mhirizhonga , hurumende yevanhu kana kuparadza .
Tsanangudzo dzemutemo dzemhirizhonga dzinosiyana asi izwi rinowanzoreva kushungurudzika kworugare kunosanganisira vanhu vatatu. Kuti iite mhirizhonga, vanhu vanofanira kuita pamwe chete kuti vaite zvechisimba kune vamwe vanhu kana pfuma. Mhirizhonga yehurumende yakafanana nemhirizhonga asi kazhinji inosanganisira vanhu vakawanda. Mhirizhonga uye mhirizhonga dzomumhuri zvinogona kuva zvakaoma kusiyanisa saka zvinetso zvinowanzonyorwa pamwechete. Kuparadza zvinhu zvinoreva kuurayiwa kwechimwe chivako chemumwe. Nemhaka yokuti kukanganisa kwaCar's property kwakakonzerwa nematambudziko asina kubviswa, mhirizhonga inofanira kuvharwa.
Kurasikirwa Kwemari uye Kuwedzerwa Kwokudhura
Bhizinesi raCarl rakarasikirwa nemazuva matatu emari nekuda kwekukuvara kwepanyama kune cafe yake inokonzerwa nevashori uye vandals. Kurasikirwa kwemari inofanirwa kuve kugoverwa nebhizimisi rake remari inshuwarisi .
Carl angangodaro akabatanidza mari yakawanda yekuwedzera bhizimisi rake uye rinomhanya zvakakurumidza. Somuenzaniso, angave akabhadhara mari yakawanda yekufambisa kuti ave nezvokudya uye zvimwe zvinhu zvakamhanyira kune cafe yake. Izvi zvinowedzera mari inofanira kuvharwa pasi peKarl's extra expense coverage.
Zvakadini ne kurasikirwa kwemari iyo cafe inotambura nekuda kwekuvharwa kwemugwagwa yakarayirwa nedhipatimendi remoto? Bhizinesi rezvemabhizimisi inshuwarheni rinowanzobatanidza kuvhara kwehurumende . Izvozvo zvinosanganisira kurasikirwa kwemari inowanikwa nokuti kuwanika kune nzvimbo yako kwakarambidzwa nehurumende, semudhipatimendi wemoto. Kuwanika kunofanirwa kunorambidzwa nekuda kwekukuvadzwa nenjodzi yakavharwa kune zvivako zvisiri panzvimbo yako.
Kutonga kwehurumende kunoshanda kwenguva shomanana, kazhinji masvondo matatu kusvika mana. Iwe unogona kukwanisa kupedza nguva ino nekubhadhara premium yakawedzerwa.
Dhipatimendi remoto rakaramba kuwana nzvimbo yakapoteredza chitoro chaCarl nekuda kwekuparadzwa kwemoto kune hotera iri pedyo. Nokudaro, mari inowanikwa Carl inorasikirwa nekuda kwekuvharwa mumugwagwa inofanira kuvharwa (zvichienderana nehuwandu hwemazuva ayo kugoverwa kunopiwa mubumbiro rake).
Pending Period
Zvakakosha kucherechedza kuti zvizhinji zvematongerwo emitemo zvinosanganisira nguva yekumirira (rudzi rwe deductible) pasi pebhizimisi mari yerinishuwarenzi. Nguva yekumirira inoshandawo kune hurumende yehurumende (asi kwete mari yakawedzera) kugovera. Chimiro chekumirira kwemaawa 72.
Kubhadhara mari yebhizimisi kunosanganisira kurasikirwa kwemari inotsigira nekuda kwekumiswa kwemabasa ako munguva yekudzorerwa . Apo nguva yekumirira inoshanda, nguva yekudzorerwa inotanga maawa 72 mushure mekurasikirwa kwenyama. Kana kuvharwa kwebhizimisi kwaCarl kunosanganisira nguva yekumira kweawa 72, mari yaakarasikirwa mumazuva matatu bhizinesi rake rakapfigwa nekuda kwekukwikwidzana hakuzofukidzwi. Nguva yekumirira inogonawo kushanda pasi pehupfumi hwake hwehupfumi.
Hasi mapurisa ose edzimba ane nguva yekumirira pasi pekubhadhara mari yebhizimisi. Mutengi wako kana kuti mutengesi anogona kukubatsira kuona kana iwe sangano rako rine chirevo ichi.