Mutengo Chaiwoiwo Wokusatendeseka Pazvirongwa

Nheyo imwe chete pakushanda inogona kuparira nhevedzano yezvinoitika zvinoda zvikuru kupfuura mhindu ipi neipi yenguva pfupi. Kana uri kusvuta nokuda kwebasa, chikwereti, nzvimbo yeyunivhesiti, gadziriro yeinishuwarenzi, kana kuti betsero yehurumende, mashoko aunogovera hwaro hwenzvero yakakomba. Maspresenters — kunyange ufakazi hunoratidzika kuva huduku — anogona kuva nemitemo, mari, uye miuyo yebasa izvo zvinovapo kwamakore. Kunzwisisa uremu hwakazara hwengozi idzodzo kunokosha nokuda kwegadziriro ipi neipi yokushandisa.

Kutendeseka hakusati kuchingova nheyo yetsikawo zvayo; idziviriro inoshanda. Zvirongwa zvibvumirano zvechivimbo. Paunosaina kushandiswa, unowanzopupurira kuti mashoko acho ndeechokwadi uye akakwana.

Chinoita Kuti Pakushanda Kwacho Pave Nemashoko Enhema

Mashoko enhema anosanganisira mashoko, gwaro, kana kuti kusiiwa kunotsausa munhu pamusoro pechinhu chine chokuita nechisarudzo chiri kuitwa.

Nhetembo Dzakananga

Idzi nhema dzakajeka: dzinotaura dhigirii rausina kutongowana, dzinoronga basa rausina kutongova naro, kana kuti dzinotaura mari isipo.

Misito Yokunyama

Kukundikana kuzivisa mashoko okuti kukumbira kwokushandisa kunogonawo kuumba mashoko enhema. Somuenzaniso, kubvisa kupwiswa kwoutsotsi hwapamberi pekumbiriso yebasa kana kuti kukundikana kuronga mugariro unooneka wezvokurapa pakumbiriso yeinishuwarenzi kunogona kubatwa sechitsotsi kana kusiiwa kwacho kuchiitwa namaune uye mashoko kuchisarudzo chacho.

Kunyanyisa uye Kutaura Kwokuzvikudza

Kunyange zvazvo kuzvikudza kuduku kuchigona kufuratirwa, kuwedzeredza kupi nokupi kungaita kuti munhu apedzisire apiwa chipo kana kuti abvise zvaanenge apiwa.

Kubiridzira Kunoratidza Zvavakaita uye Unyengeri Hwemagwaro

Kushandisa mapepa enhema, kupa magwaro enhema, kana kuti kuchinja magwaro epamutemo (akadai sokubhadhara zvigumbu, kubhadhara mitero, kana kuti mapepa) mhosva dzakakomba.

Migumisiro Yepamutemo Yokupa Mashoko Enhema

Ngozi dzapamutemo dzinobatanidzwa nokubiridzira dzinosiana kupfurikidza nokudzora uye rudzi rwokushandisa kunobatanidzwa, asi dzakakomba munyika yose. zvirango zvavagari vemo zvinogona kushanda, uye miuyo yacho kazhinji kazhinji inotambanukira zvikuru kupfuura kushandiswa kwokukurumidza.

Kupiwa Mhaka Kweutsotsi

Zvichitsamira pamigariro, kupa mashoko enhema pakushanda kunogona kutungamirira kupomero dzemhosho dzemhosho, kunyengera, kunyengedza zvinyorwa, kana kuti umbavha. Rwisano dzinobvira apo kunzvera kunobatanidza sangano rehurumende, zvinopinzwa muhurumende mugadziriro yemari, kana kuti kutengeserana kwehurumende. Zvikwereti zvinogona kubatanidza faindi, kuripa, kuchengetwa, uye kuiswa musungwa. Somuenzaniso, kupa mashoko enhema pakushandiswa kwechikwereti chemba kunogona kuguma nepomero dzehurumende pasi pe 18 U.S.C.S.P.

Kugarwa Kwenyika

Kupfuura pomero dzoutsotsi, vanhu vamwe navamwe avo vanopa mashoko enhema vanogona kutarisana nemhosva dzevagari vemo. Mukweretesi, mushandirwi, kana kuti sangano rinotambura kuvadziko nemhaka yamashoko enhema angapa mhaka yokuwanazve kurasikirwa. Ikoku kunogona kubatanidza ukoshi hwezvikwereti kana kuti betsero dzinobhadharwa, mibhadharo yapamutemo, uye kuvadziko yechirango. Kutonga kwavagari vemo kunogona kutungamirira kukubhadhara utsotsi, kupambadza, uye kurasikirwa nemari kwenguva refu.

Migumisiro Yokutama - tama

Nokuda kwavasiri vagari vemo, kugovera mashoko enhema pamusoro pezvikumbiro zvokupinda munyika kana kuti kumasangano ehurumende kunogona kutungamirira kukurambwa kwezvibvumikiso, kudzingwa kwenhau, uye kusatenderwa kwechigarire nokuda kwebetsero dzakati dzokutama. Kuwanwa kwechitsotsi kana kuti kushatiswa mumutemo wokubuda munyika kunogona kunyandura ganhuriro youpenyu hwose mukupinda muUnited States kana kuti kuwana pokugara kwapamutemo kwechigarire.

Kutsigisa Uye Kutsigisa Nezvebasa

Kupa mashoko enhema pamusoro pekushandiswa kwerezenisi kana kuti kugadziridzwa kunogona kuguma nokurambwa, kubviswa, kana kuti kubviswa kwerezinesi. Ikoku kunogona kuparadza basa rakadai semishonga, mutemo, akaunzi, uinjiniya, uye nzvimbo.

Migumisiro Yemari Inopfuura Kushandiswa Kunokurumidza

Kunyange kana pomero dzoutsotsi dzikasachengetwa, zvirango zvemari zvinogona kuva zvinoparadzanya.

Kuramba Kana Kuti Kubviswa Kwebetsero

Apo sangano rinowana mashoko enhema mukati megadziriro yehwirudzuro, kushandisira kunorambwa. Kana nhema dzacho dzikawanwa pashure petendero, betsero ingabviswa. Ikoku kungareva kurasikirwa nebasa rinopirwa, kuva nechikwereti chakafanira, kana kuti kuraswa mumuitiro weinishuwarenzi. Kana iri inishuwarenzi. Kana iri betsero dzehurumende, vagamuchiri vangarairwa kudzorera betsero dzose dzinogamuchirwa, kazhinji kazhinji nefariro nezvirango.

Kukuvara Kwechikwereti Nenzvimbo Yemari

Kutsvaka kwemari nechikwereti kune chokuita nechikwereti, mashoko enhema anogona kukuvadza mushumo wako wechikwereti nesvomhu. Kana chikwereti chabviswa kana kuti mutongo watongerwa, mashoko iwayo anova rutivi rwenhau yako yechikwereti. Chikwereti chakakuvadzwa chinoita kuti zviome kuwana zvikwereti zvenguva yemberi, makadhi okukwereta, imba yokurenda, uye kunyange basa. Migumisiro yacho inogona kupfuurira kwamakore manomwe kana kuti kupfuura.

Kurasikirwa Nemikana Yeramangwana

Masangano akawanda anochengeta mapepa okunyorera ezvomukati evakwiri vakawanikwa kuti vape mashoko okunyengera. Kuiswa pandaza yakadaro kunogona kukudzivisa nenzira inobudirira kubva pamikana yenguva yemberi nesangano iroro uye, mune mamwe maindasitiri, navamwe vanogoverana mashoko. Ikoku kwakakurumbira zvikurukuru mukutora mari, inishuwarenzi, uye hurumende.

Mutengo Wokuzvidzivirira Mumutemo

Kunyange kana ukazowanikwa usina mhosva yokubiridzira, kudzivirira mhosva dzemhosva kana kuti kupara mhosva kungava kunoremadza mune zvemari.

Kukuvadzwa Kwounyanzvi Nokunyorwazve

Kupfuura miuyo yapamutemo neyemari, kusatendeseka pakushanda kunogona kukuvadza zvechigarire mukurumbira wako webasa nokuvimbika kwomunhu oga.

Kutapura Basa

Kubatwa uchivata paforoma kana kuti kutangazve basa kunogona kugumisa basa rako muindasitiri yakati. Vashandirwi vanowanzoita nzvero dzekare, kusimbisa dzidzo, uye runhare. Makambani mazhinji ane miitiro inoda kubviswa kwomushandi upi noupi akawanikwa kuti akagovera mashoko enhema mukati momuitiro wokupinza basa, pasinei zvapo nokuti mushandi wacho akaita zvakanaka sei. Kana ukangova nomukurumbira wokusatendeseka, vamwe vashandirwi mundima imwe cheteyo vangazengurira kukupinza basa.

Kurasikirwa Nechivimbo Chenyanzvi

Muminda inoda mwero yakakwirira yechivimbo — yakadai sezvoutano, mari, mutemo, uye kuwana dzidzo yetsotsi &mdash kunogona kuva kunoparadza zvikuru. Marayisenzi angabviswa, mitezo yenyanzvi angabviswa, uye mapeyimani anodzorwa. Chivimbo chokuvaka munzanga yenyanzvi chinogona kutora makore, kana kuchitongobvira.

Kuzviremekedza Noukama

Kunyara uye kunyara kuratidzwa kuti hauna kutendeseka kunogona kukanganisa ukama hwako nevamwe uye kukanganisa ukama hwako nenzanga yako.

Migumisiro Yakasiyana - siyana

Ngozi dzacho dzinosiyana zvichienderana nokuti ndedzipi nzira dzokushandisa, asi muchiitiko chimwe nechimwe, kusatendeseka kunoita kuti pave nokuratidzirwa kukuru.

Zvirongwa zvebasa

Kunyepera nezvedzidzo, ruzivo, zvitupa zvepamutemo, kana kuti nhoroondo yeutsotsi kunogona kukonzera kuti:

  • Kupera nokukurumidza kana kukawanikwa pashure pokupinza basa
  • Kusakwanisa kuvhara nekambani yacho
  • Nongedzero dzakaipa dzinotapura kunzvera basa kwomunguva yemberi
  • Kunyoresa kwepamutemo kana mashoko enhema akaita kuti munhu aronge basa rake (chibve pasvomhu, basa rinoda kuchengetedza kana kuti rezinesi renyanzvi)

Vashandirwi vazhinji zvino vanoshandisa mabasa okunzvera anodzorwa nemotokari uye zvishandiso zvokusimbisa dzidzo izvo zvinoita kuti kuve nyore zvikuru kuziva mashoko enhema kupfuura nakare kose.

Zvirongwa Zvokutanga Kudzidza Pamusha

Zvisarudzo zvemvumo zvinovakirwa paruramo rwemari inowanwa, pfuma, uye mashoko echikwereti. Mashoko enhema pazvinokumbirwa zvechikwereti irudzi rwechitsotsi uye ane zvirango zvakakomba pasi pomutemo wehurumende. Miuyo inobatanidza:

  • Kurambwa kwokushanda kwechikwereti
  • Kudzorwa kwechikwereti chakatenderwa, kuchida kuripirwa nokukurumidza kwedzikamo yakazara
  • Rukudzo panzvimbo
  • Pomero dzematsotsi dzehurumende dzenguva yaibvira yetorongo
  • Kukuvara kwechigarire kwenhau yechikwereti

Zvirongwa zveInishuwarenzi

Makambani einishuwarenzi anoshandisa mashoko okutsvaka ngozi uye kuisa mari. Kugovera mashoko enhema — zvakadai sokuvanza mugariro wezvokurapa usati wavapo, kushatisa nhau yokutyaira, kana kuti kuisa pasi ukoshi hwezvinhu zvakaiswa mufashoni — chikan'wirira mu:

  • Kurambwa kwokufukidzwa
  • Kudzorwa kwomuitiro wacho, kutaura kwezvirevo kunorambwa uye mitero haidzorwizve
  • Kubiridzira kwevagari vemo kunoitwa nekambani yeinishuwarenzi
  • Kuwana inishuwarenzi kumunhu upi noupi anotakura zvinhu munguva yemberi (kazhinji kazhinji kupfurikidza namanyuko akagoveranwa akafanana neMedical Information Bureau)

Betserwa Zvishandiso zveHurumende

Zvirongwa zvebetsero dzeSocial Security, inishuwarenzi yourovha, SNAP (zviteshi zvezvokudya), Medicaid, yamuro yedzimba, uye mamwe mapurogiramu ehurumende zvinoda kuziviswa kwechokwadi kwemari, zvinhu, kugadzirwa kwemba, nezvimwe zvinhu. Migumisiro yemashoko enhema anobatanidza:

  • Kuramba kana kuti kugumisa betsero
  • Murayiro wokudzorera betsero dzose dzinogamuchirwa (kazhinji kazhinji nezvirango nefariro)
  • Zvirango zvokutarisira zvinosanganisira kubviswa kwemapurogiramu kwenguva pfupi kana kuti zvachose
  • Kuroverera mhaka nokuda kwokubiridzira (mutongi kana kuti hurumende)
  • Kusakwanisa kubatsira munguva yemberi

Zvirongwa zveAwadic

Makoreji, mayunivhesiti, uye mapurogiramu okupedza kudzidza anoda mashoko akarurama pamusoro pemagiredhi, kuongorora zvakawanda, mabasa epachikoro, uye mararamiro evanhu.

  • Kuramba kubvuma
  • Kudzingwa pashure pokunyoresa kana kukawanikwa
  • Kugamuchirwa kwedzidzo neyamuro yemari
  • Kushanda kwemadhigirii akatopiwa
  • Kukanganiswa nokudzidza uye kuva nomukurumbira wakanaka

Zvirongwa zvokutamira kune dzimwe nyika uye zveVisa

Mashoko enhema pamusoro pezvikumbiro zvevhiza, kukumbira makadhi akasvibira, kana kuti kumbiriso dzevagari vemo anogona kutungamirira ku:

  • Kurambwa kweshandiso
  • Kubvisa mari yaibatsira vanhu vaitamira kune dzimwe nyika yaimbobvumirwa
  • Kubvisa (kutumira)
  • Chidzitiro chechigarire pamusoro pokusakwanisa kuzivikanwa nokuda kwamarudzi akati okunyengera
  • Kusakwanisa kuva mugari wemo

Chikonzero Nei Vanhu Vachigovera Mashoko Enhema uye Chikonzero Nei Achidzorera Mwoto

Kunzwisisa zvinokonzera kubiridzira kunoratidza kuti nei urongwa uhwu husina kunaka.

Dzvinyiriro Yokubudirira

Kushaikwa kwebasa, chikwereti, kana kuti betsero kunogona kuita kuti vanhu vawedzere kana kuti varevedzere. Kumanikidzirwa kuti vasvike mipimo yekwakakodzera kana kuti mikana yemari yokuwana kunogona kunzwika kuva kukuru. Zvisinei, kusunungurwa kwenhambo pfupi kwechisarudzo chakanaka kunotopfuurwa nguva dzose nemigumisiro refu yokuwana. Masangano anoronga miitiro yokuona kuti ndeyechokwadi kuti awane mashoko enhema, uye ngozi yokuwana inopfuura zvinoziva vanhu vakawanda.

Kutya Kurambwa

Kuramba kwakavimbika kunosiya suo rakazaruka nokuda kwemikana yomunguva yemberi; kuramba kwokubiridzira kunogona kuvhara suo iroro zvachose.

Kunzwisisa Zvisakarurama Zvinoitwa Pakuongorora

Vamwe vakakumbira vanorangarira kuti masangano haabvumiki mashoko kana kuti uchokwadi. Chaizvoizvo, vashandirwi vanonzvera nguva dzose dzidzo nenhau yemabasa, vakweretesi vanotora mishumo yechikwereti ndokuyera mari kupfurikidza nedzosero dzemitero, makambani einishuwarenzi anogamuchira mapepa ezvokurapa, uye masangano ehurumende anowana mashoko anoreverwa mumiitiro mizhinji. Nguva yokuvimba kuti hakuna munhu achanzvera inguva refu. Ruzivo rwekugadzirwa kwezvinhu rwazvino uno runoita kuti uwane bviro ingabvira zvikuru kupfuura nakare kose.

Masangano Anoongorora Kushandisa Mashoko Acho

Kunzwisisa nzvimbo yacho inoratidza kuti pane ngozi yokutaura nhema.

Nzvero Dzepashure

Vashandirwi, varidzi vedzimba, uye mabhodhi ezvokuongorora edzinonzvera anowanzoshandisa masangano echitatu anonzvera mabhinya, kuongorora nhau dzebasa, kunzvera marezesi, uye kusimbisa magwaro edzidzo. Vaongorori vakawanda zvino vava nemabasa makuru anoita kuti kujekeswa kwakarurama uye kuve kwechokwadi.

Mishumo Yechikwereti Nokusimbiswa Kwemari

Vakweretesi nevamwe vashandi vanoshandisa mishumo yechikwereti kuti vaone kana zviri zvechokwadi uye kuti ndezvechokwadi here. Vakweretesi vemortgage vanoda kudzorwa mutero, mashoko ebhangi, uye kubhadhara zvigumbu, vanowanzokumbira kuva nechokwadi chakananga kubva kusangano rinobudisa. Maarufabheti okuwana nokunyengera anopesana pakati pemashoko anotaurwa neakanyorwa.

Dzidzo Nokusimbiswa Kunokosha

Makambani eNational Students Classinghouse uye dhigirii rechokwadi anobvumira vashandirwi kuti vabvume misi yokunyoresa, madhigirii, uye masangano akapinda.

Zvinyorwa zvehurumende zveDzimba reHurumende

Masangano ehurumende nehurumende anoshandisa gadziriro dzemazita dzakaoma kuyera mashoko pakushanda. Department of Health and Human Services, Social Security Administration, uye Internal Revenuvement Service zvinogoverana mashoko kuti zvione kusawirirana kwemari inoshumwa, zvinhu, uye migumisiro yokubatwa muiyi michinjikwa yakakomba uye inodzorwa nemotokari.

Kugadzirisa Zvikanganiso Zvechokwadi Pakushanda Kwazvo

Kukanganisa kwechokwadi kunoitika, uye mabatiro aunoita mashoko acho anoita kuti pave nomusiyano mukuru.

Kuzvidira

Kana ukawana chikanganiso mukushanda kwawakatoita, kururamisa nenzira yokushingaira chikanganiso ndiyo nzira yakanakisisa yechiito. Kumbira sangano zvakananga, tsanangura chikanganiso nenzira yokutendeseka, uye govera mashoko akaruramiswa. Kururamisa nokuzvidira chikanganiso chisati chawanwa kunoratidzira kuvimbika uye kunoderedza ngozi yokupomerwa kunyengera. Masangano akawanda ane miitiro yokukumbira kubhadharwa uye achaonga kutendeseka kwako.

Kunyora uye Uchapupu

Paunoruramisa chikanganiso, govera magwaro anotsigira mashoko akarurama.Izvi zvinoratidza kutenda kwakanaka uye zvinobetsera sangano kururamisa kwako nenzira inobudirira.

Mazano Epamutemo

Kana chikanganiso chacho chiine mashoko uye kukumbira kwacho kwakatoshandiswa kuchengetedza betsero (yakadai sechikwereti kana kuti muripo wehurumende), rangarira kubvunza gweta usati waonana nesangano. Gweta rinogona kukubetsera kunzvera muitiro wokuzivisa ndokuderedza kuratidzirwa kwapamutemo kunobvira.

Miitiro Yakanakisisa Yokuzviisa Pasi Pezvirongwa Zvakarurama

Nzira yakanakisisa ndeyokudzivisa zvikanganiso nenhema kubva pakutanga.

  • Rava mibvunzo iri yose nokungwarira. Approgiramu dzakawanda dzine mutauro wakananga unorondedzera chiri kukumbirwa. Wana nguva yokunzwisisa chaizvoizvo kuti mashokoi anodikanwa usati wapindura.
  • Gadzirira mapepa ako pachine nguva mberi. Kurunga mari inotapurwa, dzokororo dzemitero, mapepa enzwisiso, magwaro okuzivisa, uye zvimwe zvinhu zvipi nezvipi zvinotsigira usati wavamba kumbiriso. Kuva nemashoko akarurama pamberi pako kunoderedza ngozi yezvikanganiso.
  • Usafungidzira. Kana usina chokwadi pamusoro pomusi, nhamba, kana kuti idi, siya munda usina chinhu uye ratidzira kuti uchatevera, kana kuti kunzvera mashoko akarurama usati wazviisa pasi. Kushatiswa kazhinji kazhinji kunoparira zvikanganiso zvinogona kurangarirwa senhema.
  • Revai kushanda kwose pamberi pokupa. Kunzvera nakaviri munda uri wose nokuda kwokururama. Nhamba dzinosiiwa dzinogona kuparira chitarisiko chamashoko enhema kunyange apo vavariro yakanga yakatendeseka.
  • Iva akatendeseka pamusoro pezvisakiso nezvikanganiso.[[FT:1] Kana nhau yako yebasa ine miganhu, itsanangure nenzira yokutendeseka. Kana chikwereti chako chakaderera, irevei zvakananga. Masangano anowanzokoshesa kujeka uye angashanda navakwidziri vakananga pamusoro pezvinetso.
  • Tsvaka nhungamiro yenyanzvi apo inodikanwa. Kana usina chokwadi kuti ungapa sei mashoko akaoma (zvakadai semari yokuzvishandira, zvipupuriro zvamarudzi ose, kana kuti chinyorwa chetsotsi), bvunza muzivi anovimbwa, gweta, kana kuti nyanzvi inokwaniriswa iyo inonzvera munharaunda ine chokuita.
  • [ Chengeta makopi echinhu chiri chose chaunopa. Chengeta zvinyorwa zvako zvezvikumbiro nezvinyorwa zvinotsigira. Ikoku kunokudzivirira kana kuchitongova nomubvunzo pamusoro pezvawakapa.

Ukoshi Hwenguva Refu Hwokutendeseka

Kutendeseka pakushanda hakusati kuri bedzi pamusoro pokudzivisa miuyo yakaipa. Iko pamusoro pokuvaka hwaro hwechivimbo hunotsigira nharidzano dzako refu. Kushandiswa kwokutendeseka kunoguma nokurambwa kunoguma nomukurumbira wako wakachena uye zvisarudzo zvako zvakazaruka. Kushandiswa kwokutendeseka kunobudirira mavambo oukama hwakavakirwa paperero.

Kugovera mashoko enhema kungaratidzika kuva nzira yokupa nayo, asi inzira yokuenda nayo kuzvinetso zvikuru kupfuura zvakunodzivisa. Ndyiko dzemitemo, dzemari, dzebasa, uye dzomunhu oga dzokutendeseka dzakakwirira zvikuru zvokusagona kururamisa mhindu ipi neipi yenguva pfupi. Kushandisa nguva nenhamburiko kugadzirira kumbiriso dzakarurama, zvokwadi ndiimwe yenhano dzinokosha zvikurusa dzaunogona kuita kudzivirira nguva yako yemberi.

Nokuda kwemamwe mashoko pamusoro pengozi dzapamutemo dzekubiridzira, unogona kuhwirudzura U.S. Department of Justice Project mipiro yeChiteshi cheProject. Kunzwisisa kuti ruzivo rwebasa nekodzero dzako runoshanda sei, bvunza [[[FLT:]FF]FRAL Trader Commission pamishoni yebasa remorefault [[FLT:]]. Hurumende inobetsera kuziva, [[FLT:]