Kutheni Uthenga Ubantwana Bakho Ubomi Bomshuwalense yiNjongo Efanelekileyo
1. Abantwana Bakho baya kuhlala bekhuselwe
Enye yeenzuzo eziphambili zokuba ngumgaqo-nkqubo we-inshorensi yobomi kubantwana kukuba baya kuhlala bekhuselwe ngaphandle nangona impilo yabo kwikamva.
Qinisekisa nayiphi na inkampani yomshuwalense wobomi ukuba umgaqo-nkqubo oya kuwuthenga uthe umntwana wakho akaze anqatshelwe i-inshorensi yobomi kungakhathaliseki ukuba yiziphi iingxaki zezokwelapha ebhekene nazo ebomini bakhe. Yibhale phantsi.
Kukho iinkalo ezininzi ezinokuchaphazela ukuqinisekiswa kwabantwana bakho kwikamva. Uxinzelelo lwegazi oluphezulu, isifo sikashukela, ukukhuluphala komdla kunye nomhlaza nje zimbalwa zeengxaki zempilo ezinokuthintela umntwana wakho ukuba angagciniwe endleleni. Ngomgaqo-nkqubo oqinisekisa ukuba uya kuhlala ekhuselekile, uya kugutyungelwa xa eneminyaka engama-70, kungakhathaliseki ukuba yimpilo yakhe.
2. Ufumana uxolo lwengqondo
Wonke umzali uceba ukukhupha abantwana babo. Ukuba kungenakucingeka ukuba kwenzeke kumntanakho, unokufumana into encinane engakhathazeki ngayo ngeli xesha elinzima kunye nenqubomgomo yomshuwalense wobomi. Lo mgaqo-nkqubo uza kufaka iindleko zomngcwabo, onokuthi ugijime kumawaka ukuba kufuneka uhlawule ezi ndleko.
Ubshuwarensi yobomi kubantwana kunokukuzisa uxolo kwengqondo oyifunayo. Umgaqo-nkqubo we-inshorensi yobomi oxabisekileyo kwi-$ 10,000 ukuya kwii-15,000 zamawaka kuya kuba ngaphezu kweendleko zokungcwaba kufuneka kuhlaselwe ingozi.
3. Umgaqo-nkqubo ungakha ixabiso leeCash
Umgaqo-nkqubo womshuwalense wobomi bonke abantwana unokufumana ixabiso lemali. Ngethuba ixesha abantwana bakho bangama-18, loo xabiso lemali lizakhele kwiqanda elincinci.
Umntwana wakho unokusebenzisa imali ukuthenga imoto okanye ukuboleka kwipolisi ukukunceda ukuhlawula ikholeji.
Ukuba ukhetha i-inshorensi yonke yobomi bomshuwalense kubantwana bakho, buza ukuba kukho izigwebo zokuhoxiswa kwangaphambili ngaphambi kwexesha elithile. Ukwakha ixabiso lemali akufanele kube yona sizathu esibalulekileyo sokuba uthenge umgaqo-nkqubo womshuwalense wobomi kubantwana bakho, kodwa umgaqo-nkqubo ochanekileyo unokubandakanya i-perk yezemali.
4. Iipolisi ezincinci zithengiswa
Ngenxa yokuba uya kuthenga i-inshorensi yomsana kumntwana, awuyi kufuna umgaqo-dollar umgaqo-nkqubo. Naphi na ukusuka kwii-5,000 ukuya kwii-15,000 zamawaka yinqanaba elifanelekileyo lokuqala lomgaqo-nkqubo we-inshorensi yobomi bentwana.
Ngomlinganiselo ophantsi weenkqubo zomgaqo-nkqubo, iindleko zincinci. Ungakwazi ukufumana le migaqo-nkqubo ye-$ 5 ukuya kwi-15 kwinyanga. Kwiintsapho ezininzi, iindleko ezifikelelekayo ziqinisekisa ukuthenga. Esi sinye isizathu sokuhlala kumama kamama kufuneka baqwalasele i-inshorensi yobomi nabo.
5. Inqanaba liValiwe ngaphakathi
Ukuthenga i-inshorensi yobomi kubantwana ngoku baya kuvala loo nqanaba ubomi bomgaqo-nkqubo. I-premium ayisoze yaguquka kungakhathaliseki ukuba umntwana wakho unomlinganiselo kangakanani ixesha. Kwiminyaka engama-20, umgaqo-mali we-15,000 wee-$ 10,000 owawuhlawula i-$ 10 ngenyanga uya kuhlawula enye. Oku kwenza umgaqo-nkqubo we-inshorensi yobomi kubantwana bakho bakwazi ukulingana nohlahlo lwabiwo-ntsapho lwakho ngoku kunye nohlahlo lwabiwo-mali kwixesha elizayo.
Ngokuqinisekileyo, kufuneka uqinisekise oko kunye nenkampani yomshuwalense ngaphambi kokuthenga kwakho kwaye uqinisekise ukuba unolwazi ngokubhala.
Njalo uphando ngemigaqo-nkqubo yomshuwalense wokuphila ukuqinisekisa ukuba ufuna ntoni kwipolisi yinyani kwinkampani apho ufuna ukuqinisekisa umntwana wakho. Iipolisi zihluka kakhulu kwiinkampani ukuya kwinkampani ukuze ufuna ukubuza imibuzo eninzi, kungekhona nje ngoku kodwa ukuqinisekisa ukuba umntwana uya kuzuza kakhulu umgaqo wakhe nangona unentsapho yakhe.