Hazvina mhosva kuti utano hwakanaka hwatakanga tisina, zvirwere zvose zvakafanana zvinotiwana isu. Uye pamwe navo, uye kushanyira kuvanachiremba, uye kubhadhara makadhi echipatara. Nenzira, unoziva kuti ungabhadhara sei zororo rinorwara uye ivo vose vane kodzero yekuigamuchira here?
Muzviitiko zvipi vanorwara vanoenda?
Vose vanochengetwa nehupfumi vane kodzero yekuwana rubatsiro rwekukuremara kwenguva pfupi mushure mekurwara kwezororo. Kana munhu achishanda nguva yakawanda mune imwe kambani, saka ane kodzero yekuisa pasi kune yese yebasa. Paunyoresa chirwere chezorwere chepaiti, unofanirwa kutsanangura pfungwa iyi. Nokuda kwekugamuchira kwechirwere chezororo chepaiti uye kubhadhara kwayo, vashandi vane kodzero yeku:
- chirwere;
- kukuvadzwa kunokonzera kurasikirwa kwekwanisi yebasa;
- chirwere chemhuri yemhuri ine chikonzero chekumutarisira;
- njodzi kana chirwere chechiremba.
Nheyo yekuverenga chipo chekushaya simba kwekanguva kwebasa
- Apo kuverenga huwandu hwezvibatsiro zvakatorwa pakufunga mavhareji emari yevashandi kwemakore maviri apfuura uye kureba kwebasa rebasa.
- Nechiitiko chebasa kwemakore anodarika masere, kuverenga kunotarisa 100% mubhadharo.
- Pazviitiko zvemakore 5-8 - 80%.
- Pazviitiko zvisingasviki makore mashanu - 60%.
Kana chiitiko chacho chiri pasi pemwedzi mitanhatu, ipapo mubairo wechechi unoshandiswa pakuverenga.
Mitemo iyi inoshanda kuRussia. Vatongi vemitemo yeUkraine vakatora zvitsva mugore ra2012, nekuda kwekuti vanhu vakatove vane ruzivo rwemakore anopfuura makumi matanhatu vachawana muzana wekubhadhara pamapiritsi ekurwara, asi kune avo vasati vayambuka chikumbaridzo ichi, munhu anofanira kungovimba ne80% yemaripo. Panewo rumwe rutivi rwakanaka mune izvi - 80% ichagamuchira avo vane makore masere masere ekuziva basa uye vasina kushanda kwegore. Ichokwadi, mazuva mashanu bedzi ekurwara achabhadharwa, vamwe vose - pamutengo wemushandi. MuRussia mune izvi izvi zvose zvichiri zvakafanana, mazuva matatu okutanga anokwidzwa nebhizimisi, iyo yose yeFSS nguva, asi veparamende vari kutyisidzira nekuchinja kwekubhadhara kwezororo rinorwara. Pavanenge vachizochinja kurongeka kwekubhadhara, asi ndiani anoziva zvimwe zvimwe zvavanoda kubata.
Muzviitiko zvipi varwere havazobhadhari?
Pane mamiriro ezvinhu anotsanangurwa nemutemo, pasi apo urwere-urongwa hahuzobhadharwi kana huchabhadhara zvakakwana.
MuUkraine, nokuda kwezvikanganiso zvinotevera, mushandi wacho anoregererwa kodzero yekubhadhara hosha yezorwere, muRussia chirwere chinorwara chichabhadharwa, asi chikamu chemari yacho inogona kuderedzwa:
- mumamiriro ezvinhu ekuremara anokonzerwa newaini, chepfu, doroki kudhakwa kana kuti mabasa aibatanidza kudhakwa kwakadaro;
- kana chirongwa chekurapa chiri kuputswa pasina chikonzero chakanaka;
- kwete-kupinda kwachiremba panguva yakabvumirana.
Munyika mbiri idzi, varwere vanoenda havangabhadharwi kana:
- uyo mushandi ari muzororo nemari yake pachake paurwere;
- uyo mushandi ari kumumanikidzwa, uyo akagadzwa nedare rekutonga, paanenge ari pasi pevasungwa uye kuongorora kwehutano kuongorora.
Mitemo yekubhadhara kwezororo rinorwara
Zvose muRussia, uye muUkraine, avo vanorwara bhiza rinofanira kubhadharwa panguva yekubhadhara mari, iyo inowanikwa mushure mekunge mushandi achiendesa chirwere chezororo.
Kunyora kwechirwere chezororo
Zvakakosha kukuyeuka kuti urwere urongwa hahugoni kugamuchirwa kana husina kukwidziridzwa, saka nyatsoteerera. Yeuka kuti kana pane zvigadziriswa zvinopfuura 2, urongwa hwevarwere hunofungidzirwa kusina kunaka. Uye imwe pfungwa inokosha inokosha - pepa rechipatara haritauri kuongororwa. Iyi mitemo inoshanda zvose kuRussia uye kuUkraine.