Ukuqonda Imigomo Yokuqashiswa Kwezohwebo: I-CAM Imali

Isikhathi sokuqashisa: Ukuqonda Imali ye-CAM

Kubalulekile ukuqonda kahle lokho okukhokhayo uma usayina noma iyiphi inkontileka yokuhweba. Izimali zokugcinwa kwendawo ejwayelekile (izimali ze-CAM) zivame kakhulu eziqashini zokuqashisa , kepha imigomo yabo ingahluka kakhulu. Qinisekisa ukubuza imibuzo mayelana nokuthi yini ehlanganisiwe kuzo zonke izimali ezikhishwe ekuqashweni ngaphansi kwemibandela yokuqasha kwakho , futhi uthole ukuthi lezo zimali zingase zande kanjani ngonyaka. Ezinye izimali zingase ziqoqe ukukhuphuka okwenyuka kumaphesenti afanelekayo, kodwa izimali ze-CAM zingakhuphuka ngezinga elihlukile lepesenti.

Ukwazi ukuthi uzoba yini umthwalo wokukhokha phakathi nonyaka wakho wokuqashisa kuyokusiza wenze izinqumo ezingcono zesikhathi eside ukuthi ngabe isikhala esithile sizobe sithengeka eminyakeni edlule, noma ngabe kubonakala sengathi kufanelekile manje.

Kuyini 'i-CAM'?

Izindawo eziningi zokuhweba zendawo zokuhweba zidinga ukuthi lowo oqashile noma oqashile imali akhokhe ingxenye yezimali ze-CAM. Kunezibalo ezimbili eziyisisekelo zokukhokhwa kwe-CAM: izimali ze-CAM eziguquguqukayo, lapho imali efunwa khona isabelo sokuthi ukhiphe ukunyuka ngokusekelwe eziningana zezici, kanye nemali ejwayelekile ye-CAM, lapho imali ekhokhwa khona. Leli gama lisetshenziselwa ngokubambisana nokuqashiswa kwezikhala zokudayisa nezokuhweba. Ungase uzwe izimali ze-CAM ezibizwa ngokuthi "umthwalo wokulayisha" uma zihlangene nezinye izimali.

Yini Imali Ye-CAM Cover?

Izimali ze-CAM ziyahlukahluka futhi zihlanganisa izindleko eziningi izindleko zendawo okufanele zikhokhwe ukuze kugcinwe indawo.

Kungase kuhlanganise ukulungiswa, umshuwalense, ukugcinwa kwempahla, futhi ngezinye izikhathi ngisho namaholo abasebenzi bezokuphatha lapho labo abasebenzi befaka isandla ekusebenzeni ipaki yebhizinisi. Lawa maholo angase afakwe ngokuthi "imali yokuphatha."

Imali ye-CAM ibalwa kanjani?

Izindleko ze-CAM zivame ukubalwa ngesisekelo esilandelayo.

Ngokwemibandela elula, imidwebo egciniwe egciniwe yesikhwama, umklomelo omkhulu wezindleko ze-CAM oyozikhokhela. Imali ihambelana nokuthi isamba esingakanani sezithombe zomgwaqo ozoqashayo, kungaba amaphesenti angu-10 noma amaphesenti angu-50. Uma uhlala ngamaphesenti angu-50 esakhiwo, izindleko zomninikhaya ziqhuba u-$ 4,000 ngenyanga, futhi izimali zakho ze-CAM ziguqukile, ungalindela ukukhokha u-$ 2,000 ngenyanga noma ingxenye yendleko jikelele. Kungaba isengezo esibaluleke kakhulu.

Ingabe Lokhu Kusemthethweni?

Umqondo wezindleko ze-CAM uvame ukusemthethweni, kodwa khumbula ukuthi imigomo ingahluka okuningi kusukela kokuqashiswa kokuya kuya kwesinye. Lo mkhuba awuvunyelwe kabanzi futhi uvunyelwe yizimboni izimboni ngalesi sizathu. Udinga ukuqonda kahle ukuthi yiziphi izindleko ozongena kuzo, futhi uzofuna ukucela ukuthi lezi zindleko zibhalwe ngokubhala. Qinisekisa ukuthi bahlala emigqeni yobulungiswa futhi babonisane nommeli owazi kahle umthetho wezentengiselwano wezentengiselwano uma kukhona ukungabaza. Ayikho incazelo ye-CAM ingubo echaza ukuthi yiziphi izindleko ezingafakwa futhi ezingenakukwazi ukufaka. Ukuphindwa kwenkokhelo kungaba yinkinga futhi.

Imali ye-CAM ingaba yinkimbinkimbi futhi iyabiza, ngakho-ke kuhlale kululeka ukuba uphenye ummeli noma yikuphi ukuqasha okufaka izidingo ze-CAM noma enye imali ekhethekile, noma ngabe uqinisekile ukuthi uyayiqonda imigomo.