Kulepheretsa Mapulogalamu Omwe Amagwiritsa Ntchito Thanzi Labwino Ololedwa Kapena Ophimbidwa
Kuperekera kumatanthauza kuti mulibe zochepa zomwe mumaloledwa kugula. Anagwiritsidwa ntchito pa nthawi ya nkhondo yachiŵiri ya padziko lonse kuti apange asilikali omwe ali ndi zinthu zokwanira pamene anthu a panyumba amangogula zochepa chabe za batala, shuga, kapena mafuta. Zingadabwe kuti muphunzire kuti kuvomereza kumachitika lero mu chisamaliro chaumoyo. Kulinganiza zaumoyo kumagwiritsidwa ntchito ndi ogulitsa inshuwalansi, boma, ndi anthu pawokha kuti asunge ndalama.
Ena amatha kutsutsananso kulandira thandizo lachipatala kumathandiza kwambiri.
Kodi Kupatsirana Kwaumoyo Kumagwira Ntchito Bwanji?
Mungakhulupirire kuti ngati pali mankhwala omwe alipo, ziribe kanthu zomwe zili zofunika, ndipo ziribe kanthu kuti pangakhale zotsatira zotani, ziyenera kuperekedwa kwa inu. Mungathe kukhumudwa mukauzidwa kuti simungakwanitse kapena mudzayenera kulipiritsa. Komabe, popeza ndalama zili zochepa, ndiye kuti zosankha zanu ndizochepa, komanso m'njira zosiyanasiyana.
Kudzipatula
Nthawi zina anthu amadziletsa okha. Tangoganizani kuti mukuyamba kuthamanga. Muli ndi zisankho ziwiri. Yoyamba ndi kupita kwa dokotala, kukabweretsa mtengo wa ulendo komanso mankhwala alionse omwe amachititsa.
Kapena, mungasankhe mankhwala osokoneza bongo, omwe ndi otsika mtengo kwambiri. Mumapulumutsanso nthawi, kuchedwa, ndi kusokoneza kwa dokotala. Ngati mutasankha njira yopanda dokotala, ndiye kuti mwasamalira nokha chisamaliro chanu ndikusunga ndalama, mwachangu.
Mumayambitsa chiopsezo kuti matenda anu sapezeka bwino ndipo sangachitire bwino, ndikupangira ndalama zoposa nthawi yaitali kuposa kupita kuchipatala.
Bungwe la Inshuwalansi ya Zaumoyo
Ogwirizira zaumoyo amawasamalira, koma iwo samawatcha iwo kuyesa, ndipo safuna kuti inu muzindikire kuti ndizoyesa.
Izi zimatchulidwa kuti "kuvomereza."
Pamene makampani a inshuwalansi akuyang'anira, ndizopulumutsa ndalama, mbali ina yabwino kwambiri, komanso kusunga phindu kapena kulandira malipiro kapena zifukwa zina zomwe makasitomala awo amadana nazo. Zina mwa zokambirana zawo zimapereka ndalama zowonjezera kuti zisamapitirire kwambiri, komanso zimapereka inshuwalansi kukhalabe bizinesi. Nazi zina mwa njira zomwe amalingalira.
Alangizi a zaumoyo amakuyang'anirani mwa kuchepetsa madokotala omwe mungawachezere chifukwa amatsutsana ndi madokotala awo. Iwo amangokulipirirani kuti muwachezere iwo omwe adakambirana nawo ndalama zochepa kwambiri.
Ogwiritsira ntchito zothandizira zaumoyo amaonetsetsa kuti amalandira malipiro , ndalama zokwanira. Ndipotu, zomwe akuchita zikukulimbikitsani kudzikonda. Podziwa kuti chisamaliro chanu chiyenera kulipiridwa kuchokera m'thumba lanu, mungasankhe kusamalidwa kapena mankhwala omwe mukusowa.
Alangizi a zaumoyo amakana ntchito kapena kubwezera kwa ntchito. Kunyalanyaza chisamaliro ndilo mtundu womvetsa bwino kwambiri wa kuyanjana chifukwa umayambitsa kukwiya ndi kukhumudwa. Chimene odwala ambiri sachimvetsa ndi chakuti izi ndizonso zomwe zimakhudzidwa kwambiri ndi malamulo komanso malamulo. Nthaŵi zambiri, kukana kumeneku kungakhale kochokera pa sayansi kapena umboni wakuti chithandizo sichingagwire ntchito, sichigwira ntchito bwino, kapena chatsopano.
- Odwala ambiri amakhumudwa kuti inshuwalansi sichidzabwezeretsanso njira ina. Chimene bwimene akukuuzani ndikuti palibe umboni wokwanira wosonyeza kuti chithandizochi chidzagwira ntchito.
- Mankhwala osokoneza bongo, mankhwala osokoneza bongo kapena njira zatsopano zochitira opaleshoni zili zatsopano kuti asonyeze umboni wokwanira wopambana, choncho kampani ya inshuwalansi sichidzabwezeretsanso.
- Dokotala akhoza kulangiza chithandizo chomwe chikuwonetsedwa kuti chipindule pangТono peresenti ya anthu omwe agwiritsa ntchito izo (kawirikawiri muzovuta zovuta zamankhwala), ndipo akhoza kukhala okwera mtengo kwambiri, kampani ya inshuwalansi idzasankha kuti siikuyenera mtengo wapamwamba chifukwa chochepa kwambiri mwayi wopambana.
Kumbukirani kuti, inshuwalansi sichikana chilolezo cha chithandizo. Mmalo mwake, malipiro a chithandizo akutsutsidwa. Wodwalayo angathe kutenga nawo mbali ngati akulipira. Izi ndi zosiyana m'mayiko ena komwe misonkhano saloledwa kuperekedwa ngakhale ngati wodwala angathe kulipira okha.
Kuwonetsa Zaumoyo wa Boma
Ngakhale boma limapereka chithandizo chamankhwala. Kusiyanitsa pakati pa kayendetsedwe ka boma ndi kuyerekezera kochitidwa ndi ogulitsa inshuwalansi ndiko kuti palibe cholinga chopindulitsa. Boma, kupyolera mu Medicare kapena boma Medicaid kapena mapulogalamu ena, zimapangitsa ndalama zochepa kuti zithetse msonkho wapansi kapena kuonjezera chisamaliro kwa ena, onsewo akuwoneka kuti ndi abwino kwambiri.
Chitsanzo chabwino cha kuyankhulana kwa boma ndi chitsime cha Medicare. Okalamba amadziwa kuti ali ndi malire ochepa omwe angagwiritse ntchito pazifukwa chifukwa ngati atha zambiri, amachokera ku matumba awo.
Momwe Kumvetsetsa Kuthandizira Thanzi Labwino Kupatsirana Kungakuthandizeni
Pali zifukwa zingapo zomwe zimamuthandizira kumvetsetsa bwino zaumoyo.
- Mukayenera kukana chisamaliro, mudzadziwa chifukwa chake zatsutsidwa, ndipo mukumvetsetsa bwino momwe mungapititsire, ngati mukufuna kuchita zimenezo.
- Kusamalira kutsutsanako zaumoyo kumaphatikizapo zifukwa za momwe kulipira kulili koyenera; kaya ziyenera kuchitidwa ndi maboma onse ndi omwe amapereka malipiro, kapena ngati United States iyenera kusunthira kumalo amodzi omwe amapereka ndalama.
Akatswiri ena amalingaliro a zachipatala adzakuwuzani kuti kudzipatula kwachinsinsi kwa inshuwalansi kumatanthauza kuti a inshuwalansi ndiwo omwe amadziŵa amene akupeza chisamaliro. Amanena kuti chithandizo chomwe mumachilandira chimakhala chochuluka bwanji ngati wanu inshuwalansi amapereka chilolezo kuposa zomwe inu ndi dokotala mukuganiza kuti zingakhale bwino. Ogwiritsira ntchito payekha amatsutsa kuti ngati boma likugwira ntchito zonse zowonjezera ndalama, ndiye kuti boma lidzapereka chisankho kwa odwala.
Odwala adzayenera kudzipangira okha momwe akumvera za chithunzi chachikulu. Koma kumvetsetsa lero momwe kuyanjanitsa ntchito kudzathandizira iwo kupeza momwe angapezere chisamaliro chomwe akusowa ndi kuchifuna.