Ummeli womuntu olimalayo, owaziwa nangokuthi ummeli wommangalelwa noma ummeli wezovivinyo, uhlobo lommeli womphakathi ohlinzeka ngokumelwa ngokomthetho kwabaphikisi ababhekene nokulimala ngokomzimba noma kwengqondo ngenxa yezenzo zokunganakwa noma ukunganaki komunye umuntu, inhlangano noma inhlangano.
Abameli bokulimala komuntu siqu bazibandakanya endaweni yomthetho eyaziwa ngokuthi umthetho we-tort okubandakanya iziphambeko zangasese noma zomphakathi noma ukulimala, kufaka phakathi ukuhlambalaza nezenzo zokuphulwa kokholo olubi.
Umgomo oyinhloko womthetho wokudubula ukukwenza iqembu elimele liphelele futhi lidambise abanye ukuba benze iphutha elifanayo.
Abalimazi bomuntu abalimala abasiza abahlukumezi bathola isinxephezelo ngenxa yokulahlekelwa kwabo, kubandakanya ukulahlekelwa kwemali yokuthola imali (ngenxa yokungakwazi ukusebenza), ubuhlungu nokuhlupheka, izindleko zokwelashwa ezifanele (kokubili okwamanje nokulindeleke), ukucindezeleka ngokomzwelo, ukulahleka kwe-consortium noma ubungane, izindleko zomthetho kanye nemali yommeli. Abameli bokulimala komuntu siqu basebenza nokuvikela amaklayenti ekuhlukunyezwa izinkampani zomshuwalense kanye nesimiso sezomthetho.
Izinhlobo Zokuzilimaza Komuntu siqu
Noma yikuphi icala noma isimangalo esibandakanya ukulimala emzimbeni noma ingqondo iwela ngaphansi kwesambulela somthetho wokulimala komuntu siqu. Ezinye zezinhlobo ezivame kakhulu zamacala ezithathwa ngummeli womuntu olimazayo yizo:
- Ukulimala Kwezilwane
- Izingozi Zemizi
- Izingozi Zezindiza
- Izingozi zebhayisikili
- Izingozi zokuhamba ngesikebhe
- Ukulimala Kobuningi
- Khipha Ukulimala
- Izingozi zokwakha
- Imikhiqizo engaphelele
- Umshuwalense / Ukholo Okubi
- Ukungasebenzi Kwezokwelapha
- Izingozi Zezithuthuthu
- Ukuhlukumeza ekhaya ekhaya
- Izingozi zokuhamba ngezinyawo
- Izingozi ze-Slip ne-Fall
- Ukulimala Kwentambo Yomgogodla
- Ukufa okungalungile
Yini ummeli olimalayo owenzayo?
Abameli bokulimala ngabomuntu basingatha icala kusukela ekuqaliseni ngokukhalaza futhi benze imisebenzi efana nabathengi abaningi.
Imisebenzi ejwayelekile ifaka izicelo zokuphenya; ukuhlola amaklayenti abonakalayo kanye nokuhlola ukufaneleka kwecala labo; ukuqoqa ubufakazi; ukwakha imibono yezomthetho; ukucwaninga umthetho wecala; ukubhala izikhalazo , ukuhanjiswa nokutholakala ; ukuxoxisana nokufaka abafakazi; ukulungiselela ukuhlolwa; ukukhuthaza ekulingweni; kanye namakhasimende okululekwa.
Abameli bokulimala abantu bavame ukugubha amacala amakhulu, izikhathi zokugcina eziqinile kanye namakhasimende adingekayo. Kodwa-ke, abameli abaningi bathola isici esihle kakhulu sokulimala komkhuba ukusiza izisulu ezimele kanye nemindeni yabo ukuthola ubulungiswa ngokusebenzisa uhlelo lwezomthetho.
Njengoba ukuhlukumezeka okuningi komuntu siqu kunzima kakhulu, abameli bokulimala bangase babe ngokukhethekile kwezinye izinhlobo zezintambo ze-niche. Isibonelo, abameli bokulimala abanobugebengu abasebenzisa ukukhwabanisa kwezokwelapha bangase bakwenze ngokukhethekile ukwephula ukubeletha; abameli bokulimala abavame ukuphikisa izingozi zemoto kungase kube ngokukhethekile ezingozini ze-ATV rollover.
Imfundo
Abameli bokulimala komuntu siqu baphishekela indlela efanayo yokuqeqesha nokufundisa njengoba wonke ummeli; kumele bathole ididithi yomthetho bese bedlulisa ukuhlolwa kwebha ebhalisiwe. Abameli bokulimala bangakwazi futhi ukuqinisekiswa njengophethiloli ekuqinisekiseni icala lokuqokwa kwecala ngokuqedela uhlelo lokuqinisekisa isitifiketi esikhethekile esivunywe yiBhodi kaZwelonke yeZomthetho eziKhethekile eziMthethweni, inhlangano engeyona inzuzo evunyelwe yi-American Bar Association ukunikeza isitifiketi sebhodi kubameli.
Amakhono Ommeli Wokulimala Komuntu siqu
Abameli bokulimala komuntu siqu banamakhono athile angokomthetho . Abameli abahluleka kakhulu ukulimala komuntu siqu kakhulu ekukhulumeni ngomlomo, ukuxoxisana nokuthuthukiswa kwamakhasimende nokuthuthukisa ulwazi olukhethekile emkhakheni we-niche womthetho wokulimala komuntu siqu.
Ukulimala kommeli womuntu siqu
Abameli bokulimala komuntu siqu bangabanye abaqeqeshiwe abahola kakhulu emhlabeni. Abameli abaphumelele kakhulu bathola amaholo angamadijithi ayisishiyagalombili nakuba abameli abaningi bezommangalelwa bathola phakathi kuka-$ 30,000 no-$ 300,000, kuye ngokuthi ubukhulu bomsebenzi kanye nendawo. Abameli abamangali abadonsa imali ekupheleni kwe-spectrum bavame ukusingatha izikhwama zesigaba noma ama-dollar aphezulu okulimala. Ngaphezu kwalokho, umonakalo wokujezisa - ukulimala okuhloswe ukujezisa ummangalelwa nokuvimbela ukuziphatha okungalungile - kungakhulisa isinqumo semali yezigidi zama-dollar, okwengeza imali emphakathini we-pocketbook.
Abameli bokulimala abavame ukumela amaklayenti ngendlela yokubhekana nesimo, lapho umholo wommeli umelela iphesenti (ngokujwayelekile u-30% -40%) wesinxephezelo sokugcina sommangalelwa, esikhokhwa lapho icala lixazululwa. Leli lungiselelo lisho ukuthi ummangali akakhokhi imali ngaphandle kokuba ummeli athole imali esikhundleni sakhe.
I-Outlook Employment
Njengoba ukushayisana kwecala kuphakama futhi kubonisa isinkwa nebhotela lamakhomishana amaningi omthetho, umbono wokuqashwa kwabameli bokulimala komuntu siqu uhle kakhulu. Umnotho ongenakuqinisekiswa, umthethonqubo oqinile, nokukhula kenkampani kugxile izizathu ezikhulunywe ukukhushulwa kokubambisana kwezocwaningo kwinhlolovo yamuva yezibalo zamacala. Kodwa-ke, ukuguqulwa kwezinto ezingalungile - izinguquko ezihlongozwayo ohlelweni olufanayo lomthetho wezobulungiswa zomphakathi oluzokwenza ukunciphisa amacala okuhlukunyezwa kwamacala kanye nomonakalo wesikhumba - kungase kunciphise inani lezicelo ezifakiwe kanye nenani lemonakalo elitholwa ngabameli bommangali esikhathini esizayo.