Iibhanki ezili-9 ezakhiweyo zoLwazi ngezoNkampani zoKwakha

by Juan Rodriguez

Iimfuno ze-Essential Bonds kunye ne-Intshumo yeeNkampani zokwakha

Ukuba wenza umsebenzi njengonkontileka, ngokuqinisekileyo uza kucelwa ukuba unikeze ubungqina obunjani bokubambisa okanye i-inshorensi ekhusela umthengi wakho kunye notyalo-mali. Iibhanki zokwakha zifunwa phantse nganye kwiprojekthi yokwakha enye kwaye kwezinye iimeko zihambelana nezibophelelo zesikontraki. Ukuqonda izibophelelo zakhiwo yindawo ebalulekileyo ekufuneka uyenze ukuze ukwazi ukufumana amacebo angcono kwiinkampani eziqinisekisayo kunye neenkampani zomshuwalense. Olu uluhlu lwezakhiwo eziqhelekileyo zokwakha ezifunekayo njengenxalenye yazo zonke izontrakthi zokwakha .

01 - Iyintoni Isibambiso seBhidi kwaye Kutheni Kufuneka?

Ubunikazi bentengiso siqinisekiso sokuthi unika umnikazi weprojekti ukuba unako ukuqhuba kunye nokuphumeza le projekthi xa ukhethwa ngexesha le-bidding. Nangona kunjalo, ngenxa yokubambisana kwebhidi, baya kuba banokukhululeka ukunikezela iphrojekthi kwintrakhontrakthi eyazi ukuba ukuba le projekthi iyahluleka, bayakuqokelela umvuzo kwi-bond bond.

02 - Ibhondi yeNtsebenzo: Iindleko, iimfuno kunye neNzuzo

Iindleko zobudlelwane bokusebenza phakathi kwe-1 ne-2 ekhulwini. Ifoto Pixabay

Intsebenzo-mboleko iya kukhusela umnini ngokubhekiselele kwilahleko ezenzekayo kwimeko apho ikhontrakthi ehluleka ukwenza okanye ayikwazi ukuhambisa iprojekthi njengoko isetyenziswe kunye nemigqaliselo yesivumelwano . Ngamanye amaxesha inkontileka ilahleka okanye iyichaza ngokubhankqalaza, kwaye ngoko kwezo zimo, uqinisekiso lujongene nokuhlawulela umnini kwilahleko.

03 - 3 Iintlobo zeSigqeba esiMngcipheko kunye nexesha lokuzisebenzisa

Ukugcina isivumelwano esingenakubungozi kukukhusela. Photo pixabay

Isibambiso sokungabi nengozi sokhuseleko siya kuhluka ngokuxhomekeke kumandla apho isivumelwano siqhutyelwa khona. Kwezinye iimeko, isivumelwano esinobungozi siya kukhusela ikontraka kwiimangalo ezilethwe ziinkampani okanye iinkampani ezingenzi inxalenye yesivumelwano.

04 - Njani kunye nexesha lokuFaka iLizwi lobuxoki

Ukugqitywa kweNdlu. Ifoto ye-samdogs Flickr

Ukuba i-subcontractor, ikontrakta okanye nayiphina i-arhente yokwakha enxulumene neprojekthi engenayo inxulumano ngokuchanekileyo nomnini, kufuneka inikeze iSaziso sokuQala kwixesha elimiselweyo . Kwiinkoliso ezininzi, ukontraka kufuneka unike esi saziso ubuncinane iintsuku ezingama-20 ngaphambi kokuba ufake ikhonkco.

05 - Indlela Iimali zeeNtlawulo zisebenza ngayo kwiiprojekthi zokwakha

Iimbopheleleko zokuhlawula zixabisekileyo kwaye zincedo. Ifoto i-Didgeman

Inkontileka yokuhlawula idibanisa inkontileka emithathu phakathi koMnikazi, ikhontrakthi kunye nokuqinisekiswa, ukuqinisekisa ukuba bonke abathungathelisi, abasebenzi kunye nabathengi bezinto eziphathekayo baya kuhlawulwa beshiya i-projekthi ye-projekthi ekhululekile. Iintlawulo zeBond kuphela kuphela aziceliwe kwaye zihlawulwa ngokuqhelekileyo malunga ne-50% ye-premium ejwayelekile.

06 - Uqhagamshelwano lweNtsholongwane engoNtsholongwane: Inqununu yeComputer Smart

I-Subcontractor Default inshurensi inika inkxaso kwiikontraka xa i-subcontractor inesivumelwano sayo sagqitywa ngokungekho. Olu hlobo lwe-inshorensi lunika iingeniso ezikhethekileyo xa kuthelekiswa nenkqubo yokuziphatha engaqhelekanga, oku kuya kufuneka ukuba kufuneke ukuba ulwaphulo kunye nokulibaziseka okuya kuthintela kakhulu i-schedule schedule. I- Subcontractor Default Insurance ("i-SDI") inokuthi ithathwa njengenye indlela yokubambisana.

07 - Inkcazo yokuqonda kunye neNgcaciso yomshuwalense wengozi yomakhi

Inkxaso-mali yangasese ithetha umngcipheko ophantsi? Ifoto J Rodriguez

Umgaqo-nkqubo we-inshorensi yomakhi uya kuhlawula umonakalo ukuya kwinqanaba lomngcipheko. Umda kufuneka ubonakalise ngokuchanekileyo inani elizalisiweyo lezakhiwo (zonke iimpahla kunye nezindleko zabasebenzi , kodwa kungabandakanyi ixabiso lomhlaba) . Uhlahlo lwabiwo-mali luyona mthombo ongcono kakhulu wokumisela umda ofanelekileyo we-inshurensi. Inqubomgomo yomshuwalense yengozi yomenzi weeNjineli ingahlala ibhaliwe ngokweenyanga- ezintathu, iinyanga ezintandathu, okanye iinyanga ezili-12.

08 - Ufuna nini i-A Flood Insurance?

Ukhuseleko lwezamkhukula lufuneka kwiindawo ezinobungozi obuphezulu njengoko zichongiwe yi-NFIP kwaye zikhuthazwa ngokuqinile kwiindawo ezinobungozi eziphantsi. Nangona kunjalo, i-inshurensi yenkomfa ibingqongqo kwisiseko kunye neendawo ezantsi ngaphantsi komgangatho ophantsi kuncike kummandla wamanzi kunye nomhla xa wakhiwa. Inkcazo engancinci ingaphakanyiswa kwakhona kwiindawo zokukhahlela, iindawo ezifakwe phantsi kwezakhiwo eziphakamileyo kunye nezinye iindawo eziphantsi.

09 - Umthetho weMiller: Intlawulo kunye neZimfuneko zeBond Bond

Ininshurensi kunye neBond. Ifoto Pixabay

Umthetho weMiller ufuna ukuba zonke izithinteli zentengiso kwiprojekthi yombuso kufuneka zithumelele isibophelelo sokusebenza kunye nesibophelelo sokuhlawula bonke abasebenzi kunye nezinto eziphathekayo. Umthetho uyadingeka kwisivumelwano esingaphezu kwe-100,000 yeeNkonzo zokusebenza okanye uceba ukwenza umsebenzi nasiphi na isakhiwo okanye impahla yase-United States. Umgaqo-nkqubo we-Federal Acquisition Current ungacela ukukhuselwa okongezelelweyo okanye iibhondi kwiikontraka zivumelwano phakathi kwe-25,000 ne-100,000 zamaRandi.