Apo vakawanda vanofambira vachifunga kuwedzera kadhi rechikwereti, zvimwe zvepfungwa dzavo dzekutanga dzinotenderera kumativi uye mairaira zvavanokwanisa kuunganidza kuti vaone nyika yekusununguka. Kunyange zvazvo kuwirirana kwemashoko akachinjeka uye mapepa akanyorwa zvinogona kubatsira vanofambira kuona nyika nemari shoma, makadhi emakadhi anogonawo kupa zvivimbiso kana zvichiitika kune imwe nguva.
Vakawanda vanoenda makadhi emakadhi havaiti kungoita mapeji uye makiromita nedhora rose rakapedza. Apo makadhi iwayo anoshandiswa kubhadhara marwendo, vafambi vari munzira imwe chete vanowedzerawo mararamiro anokosha ekufambisa inshuwarheni . Aya mabhonasi anoenda kunze kwekufukidzira kuparidzirwa kwepamusoro apo mutsipa wakarashika, kupa huni yakadzika yekubatsira muitiko wechiitiko chisingafanoonekwi , njodzi, kana chirwere chakakomba. .
Usati waita zvirongwa zvako zvekufamba, funga nguva yekufungisisa zviri muhomwe yako. Aya makadhi mashodhikiti anotevera anopa imwe yenzira dzakanakisisa dzekufambisa inishuwarenzi paunenge uchishandisa mairi ekubhadhara mari.
01 of 06
Zvakanakisisa Kwazvo: Chase Sapphire Reserve
Chase Bank NA Yakatangwa muna 2017, Chase Sapphire Reserve imwe yemakadhi anozivikanwa zvikuru pakati pevanhu vanogara munyika dzakawanda. Vanhu vanobata kadhi rino vanogona kuwana nzira dzakawanda dzokururamisa mari ye $ 450 gore negore, kunyanya kana vachida kutumira inshuwalense yekufambisa.
Chase Sapphire Reserve inouya nehuwandu hwekufambisa inshuwarheni apo vanofambisa vanoshandisa kadhi ravo kuti vabhadhere nokuda kwenzira yavo. Vaya vanomanikidzwa kubvisa rwendo rwavo vanogona kubhadharwa kusvika kusvika $ 10 000 mune zvisiri zvekubhadhara mari pamusana pekufambisa rwendo. Iyo kadhi inouyawo nemadhora mazana mashanu ekufambisa kunonoka kubatsirwa, kutakura kunonoka kunobatsira mushure mekutakura mutoro kwemaawa anopfuura matanhatu, uye mutsika wekugara kukanganisa kukanganisa kukanganiswa kweiver .
Chii chinoita kuti kadhi rino rive rakakosha ndeyokuti zvikwereti zvinowedzerwa kumunhu wemakadhi kana kuti vomumhuri mitezo, kunyange kana munhu mukuru wekadhi asiri kufamba. Zvisinei, kuitira kuti zvikomborero izvi zvive zvakakodzera, rwendo urwu runofanira kubhadhara pamwe nekadhi, kana zvakananga kuburikidza neMupiro Wemipiro inowanikwa pamakadhi.
02 of 06
Best for Trip Cancellation: Tsvaka Safiri inofanirwa
Chase Bank NA Kuwana kadhi rechikwereti rekushanda inshumo yekubhadhara hakubvumirwi kuuya nemutengo wepamusoro wegore negore. The Chase Sapphire Inofanirwa kadhi ndeimwe yemakadhi akakurumbira akawanda muUnited States, uye inopa huwandu hwezvakakosha zvinokwana $ 95 zvegore negore.
Zvakafanana neChase Sapphire Reserve, iyo Chase Sapphire Inofanirwa zvakare inouya ne $ 10 000 kuenda kukorodzwa kana kukwira kukanganisa kubatsirwa. Iyi inobatsira inopa kugoverwa kwezvikwata zvakabhadharwa, maziso kana mazororo akatengwa kana kushandisa kadhi rechikwereti kana kuti achishandisa zvakananga Makomborero ekupedzisira. Zviitiko zvakafukidzirwa zvinosanganisira rufu, zvirwere, kana zviito zvehupenyu (kusanganisira jury basa) remufambi, kana zviitiko zvinotyisa zvinosanganisira mamiriro okunze akaoma, mabasa ezvegandanga kana kupamba, uye kuparara kwemupi wekufamba.
Mukuwedzera, Chase Sapphire Inofanirwawo inopawo zvimwe zvikwereti zvekadhi rechikwereti kune avo vanoshandisa kadhi kuti vatenge marwendo avo, kusanganisira kutakura kunonoka kugoverwa uye rubatsiro rwekukurumidza pavanofamba.
03 of 06
Zvakanakisisa Kutakura Mutoro: Citi Prestige Card
Citibank Mune mamiriro ezvinhu akawanda, kutakura mutoro kunobatsira kubva kune imwe kadhi rechikwereti yekufambiswa yvesishuwarenzi kana kuti yechitatu yefambisi yekufambisa inishuwarenzi inoda kuti mufambi wacho ave nezvinhu zvake zvisina kukodzera kwenguva yakati. Mitemo yakawanda mumudhizimusi inoda kuti mutoro urasike pakati pematanhatu matanhatu ne12 zvisati zvawanikwa.
Izvi ndizvo zvinoita kuti Citi Prestige Card ive imwe yemakadhi akanakisisa evashanyi vanogara vachitarisa mutoro wavo kuenda kunzvimbo yavo yekupedzisira. ICiti Prestige Card inopa kusvika $ 500 mukutakura kunonoka kunobatsira kuburikidza nefambi, parwendo, kana mutoro usingasviki kune mufambi maawa matatu. Kuti uite izvi, vashandi vanofanira kutenga rwendo rwavo vachishandisa Citi Prestige Card yavo, kana zvakananga neChirunguYou Points yakashandiswa pakushandisa pakadhi.
Usati waenderera mberi uchipedza zvishoma kana miviri yakarashika, iva nechokwadi chokuti unonzwisisa zvisingabatsiri. Izvo zvingabatsire kuvhara zvinhu zvese zvakanga zvisiri mumutsipa wakarashika, uye hazvizofukidze mutoro wakarasika pamakororo achidzokera kumusha wekugara.
04 of 06
Zvakanakisisa Zvokurasikirwa Kwemitoro: Dzinganisa Nhizha Bhizinesi Rinodiwa
Chase Kunyange zvazvo vakawanda vachifunga kuti bhizinesi rechikwereti makadhi anonyatsochengeterwa kushingaira kushanda makambani, vanhu vane chikwereti chakanaka avo vari kutanga bhizinesi duku vanogona kukodzera bhizinesi rekwereti rechikwereti. Somugumisiro, vanhu vazhinji vanogona kubatsirwa kubva kune zvikomborero zvinouya nekambani kadiki yebhizimisi - kusanganisira kufamba mairi inshuwarheni.
Iyo yakanakisisa bhizinesi kadhi rechikwereti nefambisi yehufambisi yekufambisa ndiyo Inodzingisa Inyo yeBusiness Inofanirwa, iyo inopa kuvhengetedza kwakawanda kune vashandi vemakadhi. Chimwe chezvinhu zvinokosha zvikuru zvinouya nekadhi rino nderokurasikirwa kwekutakura mitoro . Muchiitiko apo inowanzobatwa (yakadai sesimbi, ndege yevatima, kana motokari) inorasikirwa nemutoro wemufambi, iyo inodzingwa neInd Business Inofanirwa inopa kusvika ku $ 3,000 mukubhadharwa.
Imwe rubatsiro inopiwa chete kuburikidza neChese Ink Business Inosarudzwa inosanganisira kuvhara foni. Kana mufambi akakanganisa foni, anorasikirwa foni, kana kuti foni yavo yakabiwa, Kadhi kadi yekodhi inofanirwa yeBusiness inogona kupa zvipo kune imwe foni.
05 of 06
Zvakanakisisa Zvokufamba Netsaona: Dzingai JP Morgan Reserve
Chase Bank NA Kune vafambi vekufambisa vane ukama neChese Private Banking, ma-credit-makadhi emakadhi anogona kupa zvikwata zvekuchengetedza vakadzi. Izvi ndezvechokwadi neChase JP Morgan Reserve kadhi rechikwereti, rinowanikwa kune avo vakasarudza vatengi veimwe yemabhanki makuru eMelika.
Vafambi vanotenga mafambiro avo neJP Morgan Reserve vanogona kuwana huwandu hwemhirizhonga kune imwe nguva pangozi. Vafambi vanenge vari kure nemakiromita zana kubva kumusha wavo wekutanga vanogona kugamuchira zvekubhadhara kusvika $ 2 500 mune zvekukurumidzira kurapwa uye mazino semugumisiro wekukuvadzwa, neavo vanoda kubudiswa kwenjodzi kana kutakura kunogona kugamuchira kusvika ku $ 100,000 muhuwandu. Uyezve, kana ivo vafambi ivavo vakawana njodzi inoguma nekufa kana kuparadzwa, vafambi vanogona kugamuchira kusvika $ 1 mamiriyoni mukugoverwa mushure mekukurumidzira.
Kunyange zvazvo zvikomborero zviri commiserate nevashambadzi vanofarira vanobata kadhi rino, kukumbira uye kugamuchirwa kwekadhi rino zvakanyanya kwazvo. Kuti vaonekwe, vanofambira vanofanira kuva neukama neChese Private Client banker, avo vanofanira kutumira zvavanoshandisa ivo.
06 of 06
Yakanakisisa Kubuda Kwepabonde: Platinum Card Kubva kuAmerican Express
American Express Chimwe chekutya kukuru kwevatorwa vemunyika yose chiri kutarisana nenjodzi inoda kubviswa kwechiremba. Kufamba mumugwagwa mhepo yekuenda kuchipatara chinokwanisa kunodhura makumi ezviuru zvemadhora isati yasvika.
Kune avo vanofamba kure nemusha kazhinji, Platinum Card inobva kuAmerican inopa vanofambira vanoenda kune dzimwe nguva vari kure nemusha . Muitiko kana munhu anofamba achida kurapwa uye chiremba wezvechiremba anogadza kurapwa kwechiremba inotarisirwa, Premium Global Assistance Hotline (inowanikwa kune vose vane padhigiramu yemakadhi) inogona kuronga kusununguka kwehutano kubva pakurwara kana kukuvadzwa. Kuti ushandise kubatsirwa uku, kufamba kunofanirwa kurongedzwa kuburikidza neAmerican Express - uye kana yaitwa zvakanaka, inogona kuwedzera pasina mari yakawedzerwa kune mufambi.
Kunyange zvazvo izvi zvingangove zvakakosha zvakakosha pane zvose zvakataurwa pamusoro apa, zvinouya nezvimwe zvisingakwanisi. Chokutanga, kadhi inouya ne $ 550 yemari yegore - iyo inonyanya kudhura kudarika kubudiswa kwechiremba, asi zvakanyanya kudhura kupfuura mamwe akawanda makadhi. Chechipiri, zvikwereti zvinogona kungoshanda semugumisiro wengano yechokwadi. Kukuvadzwa kana kurwara izvo kuzvitapa kana chikonzero chechiito chehondo hakukwanisi.
Kukwana kweKadhi Card Travel Insurance Policies
Sezvo kune chero mararamiro ehurumende yemaifambiro, kune zviverengero zvezvipingamupinyi zvekufungisisa usati watora mukana wekubatsira. Mune mamwe mamiriro ezvinhu, zvikomborero zvinotaurwa zvinogona kunge zvichinyanya kugoverwa. Somugumisiro, iyo inofambisa inishuwarenzi yekufambisa inogona kuti vafambi vabhadhara mari kune dzimwe nzvimbo, kusanganisira primary insurance providers kana vanhu vanotakura vatakuri. Chimwe chiitiko chinowanzofambira vafambi vanowanzotarisa kuti mazwi nemamiriro ezvinhu ega anobatsira. Semuenzaniso: chirongwa chekuregererwa rwendo hachisi chakafanana ne " Cancel for Any Reason " chirongwa, zvinoreva kuti vanofambira vanoedza kubvisa rwendo rwavo nokuda kwechikonzero chisina kuvharwa vanogona kusiiwa vachibata mutemo wekufamba kwavo.
Usati washandisa chero ipi zvayo yekufambisa inishuwarenzi inobatsira, iva nechokwadi chokuti unonzwisisa zvose zvemashoko nemamiriro ezvinhu anotonga kubatsirwa. Zvakakosha kuisa kopi yemakadhi ekufambisa nemutambo wekufambisa, uye kudana chikwereti chekwereti kare usati watora kubatsirwa kwebatsiro kuti unzwisise kuti nzira yekudaidzira inoshanda sei.
Kunyange zvazvo inshuwarisi yekufambisa inogara iri pfungwa yakanaka yekufamba munyika dzakawanda, vafambi vakawanda vangave vaine huwandu hwokuparidzira vasina kuziva. Nokunzwisisa zvikomborero zvatova nezvikwereti zvekwereti zviri nyore, vatambi vemunyika yose vanogona kugara vakachengeteka, vakachengeteka, uye vakachengetedzwa pavanoona nyika.