Kukonzekera mphepo yamkuntho kwa mabizinesi aang'ono¶

Tsamba ili likuthandizani kulemba dongosolo la mphepo yamkuntho, taifuni, kapena saikiloni kwa bizinesi laling'ono: shopu, resitorenti, malo ogulitsa pa msika, nyumba ya alendo, malo ogwirira ntchito, bizinesi ya ulimi, kapena ofesi. Bizinesi lomwe silingathe kutsegulanso msanga lingataye makasitomala ake ndi antchito ake, choncho dongosolo ndi loteteza anthu poyamba, kenako kubwerera ku ntchito.

Ngati muchita zinthu zitatu zokha¶

1. Sungani zolemba zanu kutali ndi nyumba ndipo yesani kuti mungazitsegule kuchokera ku chida china.
2. Pangani mndandanda wa nambala za antchito ndi manambala a foni aumwini, ndipo tumizani uthenga woyesera nyengo isanafike.
3. Werengani dongosolo lanu la inshuwaransi ndipo pezani zomwe limateteza molondola kwa mphepo, kusefukira, ndi ndalama zotayika.

Nyengo isanafike: dongosolo la nthawi¶

Ntchito zambiri zimachitika mu miyezi yabata. Gwiritsani ntchito dongosolo ili.

• Tsopano. Lembani dongosolo lopitiriza, sonkhanitsani manambala a antchito, ndipo konzani zosungira. Werengani dongosolo lanu la inshuwaransi ndipo funsani mafunso omwe ali pansipa.
• Miyezi iwiri isanafike. Gulani kapena konzani chitetezo cha zenera ndi zinthu zokonza. Konzani ngongole ngati mufunikira. Vomerezani ogulitsa owonjezera.
• Mwezi umodzi isanafike. Yesani uthenga wa antchito ndi kubwezeretsa zosungidwa. Werengani dongosolo ndi antchito anu kwa ola limodzi.
• Mphepo ipatsidwa dzina. Onani njira ya mphepo ndi nthawi, ndipo sankhani ngati mutseka. Yambani masitepe a gawo lotsatira.

Chitani tsopano: ngati mphepo yaneneratu¶

• Uzani antchito dongosolo: liti mutseka, mmene mudzalumikizana nawo, ndi liti adzalipidwa.
• Tumizani antchito panyumba msanga kuti ateteze mabanja awo. Tsekani msanga m'malo mochedwa.
• Sungani zolemba ndipo nyamulani drive kapena laptop ya zosungidwa.
• Jambulani malo ogulitsa, katundu, ndi zida.
• Sunthani katundu ndi zida kuchoka pansi ndi kutali ndi mazenera.
• Ikani zotchinga kapena plywood, ndipo lindani zitseko zazikulu.
• Nyamulani ndalama zokwanira za sabata limodzi za zofunika mwachangu.
• Yikani chidziwitso cha kutseka pa khomo, tsamba lanu la intaneti, uthenga wa foni yanu, ndi njira zanu za mauthenga.

Kutseka kapena kukhalabe kotseguka?¶

Tsekani ngati akuluakulu anu alamula, ngati nyumba singathe kutetezedwa pa nthawi, kapena ngati antchito anu sangathe kufika ku ntchito mosatetezeka. Kutsalira kotseguka maola mphepo isanafike kumayika anthu pamsewu pamene akuyenera kukhala kunyumba. Ngati mwasankha kukhala otseguka, khalani otseguka pokhapokha pokha ngati pali chitetezo kwa antchito ndi makasitomala kuyenda, ndipo tsekani mphepo isanakwere.

Lembani dongosolo lachidule lopitiriza¶

Dongosolo lopitiriza limayankha funso limodzi: bizinesi lipitiriza bwanji, kapena kuyambiranso, ngati nyumba, magetsi, intaneti, kapena antchito sakupezeka. Ku United States, malangizo a bizinesi a Ready.gov amayamba ndi kudziwa hatari zanu ndi kusankha ntchito zomwe ndizofunika kwambiri. Kwa bizinesi laling'ono, masamba awiri ndikokwanira.

• Lembani zinthu zochepa zomwe bizinesi silingagwire ntchito popanda: anthu, zida, machitidwe, ogulitsa, ndi makasitomala akuluakulu.
• Chimodzi ndi chimodzi, lembani mmene mungachite popanda chimenechi kwa sabata limodzi.
• Sankhani amene ali woyang'anira ngati mwini sangathe kupezeka, ndipo mupatseni mwayi omwe angafunikire.
• Sankhani malo akanthawi ogwirira ntchito: nyumba, malo a mnzake, malo a pamsika, kapena chipinda chobwereketsa mkati.
• Lembani amene amasankha kutseka, pa nthawi yanji, ndi amene amasankha liti kutsegulanso.
• Sungani makope a dongosolo pa intaneti, pa foni yanu, ndi pa pepala m'chikwama chanu chokonzeka.

Yesani dongosolo chaka chimodzi nyengo isanafike. Khalani pansi ndi antchito anu kwa ola limodzi ndipo kambiranani mphepo, sitepe ndi sitepe.

Antchito¶

Anthu amene amadandaula za mabanja awo sangathe kuganizira ntchito. Kusamalira antchito anu ndinso njira yachangu kwambiri yotsegulanso.

• Sungani mndandanda wa antchito aliyense ndi nambala ya foni yaumwini, munthu wolumikizana wa dzidzidzi, ndi komwe akukhala.
• Konzani uthenga wa gulu ndipo yesani.
• Konzani dongosolo la maimbidwe kuti palibe munthu mmodzi amene adzaimba aliyense: mwini amaimba awiri, aliyense amaimba awiri ena.
• Sankhani mmene antchito adzalipidwe pa nthawi ya kutseka, ndipo uzani iwo nyengo isanafike.
• Vomerezani mmene antchito adzalumikizana pambuyo pa mphepo, ndi zomwe zichitike ngati wina sangapezeke.
• Musapemphe antchito kukhala ku ntchito kapena kuyenda pamene akuluakulu alamula kuthawa kapena chenjezo chikugwira ntchito.

Pambuyo pa mphepo, antchito angataye nyumba kapena kusamalira abale. Ena adzafunikira nthawi asanabwerere. Khalani osinthika, ndipo awonetseni thandizo la m'deralo. Onani Kupirira ndi thanzi la maganizo.

Zolemba ndi data¶

Chilichonse chofunika chiyenera kukhala pamalo kunja kwa nyumba yanu: mndandanda wa makasitomala, akaunti, malipiro, mapangano, zolemba za msonkho, zilolezo, manambala a ogulitsa, ndi data ya point of sale.

• Gwiritsani ntchito cloud backup, kapena drive yomwe munyamula kunyumba sabata iliyonse.
• Mphepo isanafike, pangani backup yathunthu ndipo munyamule.
• Yesani backup: tsegulani fayilo kuchokera ku computer kapena foni ina.
• Sungani makope a pepala a zikalata zofunika m'chikwama chosalowa madzi: dongosolo la inshuwaransi, lease kapena title, kulembetsa bizinesi, zambiri za banki, ndi mndandanda wa zida ndi manambala a serial.
• Lembani logins ndi makodi obwezeretsera ndipo sungani pamalo otetezeka.

Backup yomwe sinayesedwepo ndi chiyembekezo, osati dongosolo.

Malo ogulitsa, katundu, ndi zida¶

• Sunthani katundu ndi zida kuchoka pansi, kupita ku shelufu zapamwamba kapena pansanja zapamwamba.
• Kulungani zida mu nsalu ya pulasitiki, ndipo chotsani pa magetsi.
• Nyamulani makompyuta, zida za makadi, ndi zida zazing'ono zamtengo wapatali nanu.
• Sunthani magalimoto ku malo okwera, kutali ndi mitengo.
• Lowetsani kapena mangani zisindikizo, awnings, matebulo, mipando, ndi chilichonse chakunja.
• Ikani zotchinga kapena plywood, ndipo lindani zitseko za roller ndi zazikulu.
• Zimitsani gasi, ndipo zimitsani madzi ndi magetsi pa ma swichi aakulu ngati mudzatseka kwa masiku, mutasankha zomwe chichitikire katundu ozizira.
• Jambulani chipinda chilichonse, katundu wonse, ndi chida chilichonse ndi nambala yake ya serial.

Kusungira kozizira. Ngati mumayendetsa resitorenti, shopu ya chakudya, kapena chilichonse ndi ma fridge ndi ma freezer, sankhani tsopano zomwe muchite ndi katundu wofa wofa ngati magetsi azima kwa sabata. Zosankha zimaphatikizapo kugulitsa katundu mphepo isanafike, kusuntha kupita kwa mnzake ali ndi jenereta, kapena kujambula kwa chisumo cha inshuwaransi ndikutaya mosatetezeka.

Malo ogulitsa pa msika ndi ogulitsa aang'ono. Nyamulani katundu ndi zida kunyumba, kapena ku nyumba yolimba pamalo okwera. Malo ogulitsa ndi makiosko sakhala olimba kokwanira kuteteza zinthu.

Zinthu zoopsa. Mafuta, mankhwala, utoto, ndi masilinda a gasi ayenera kusungidwa komwe madzi osefukira sangafikire kapena kunyamula. Funsani utumiki wanu wa moto kapena bungwe la chilengedwe mmene mungazisunge.

Inshuwaransi¶

Werengani dongosolo lanu nyengo isanafike, ndipo funsani wa inshuwaransi wanu kapena broker molembedwa za chilichonse chomwe simumvetsa.

• Chitetezo cha katundu. Kodi chimateteza nyumba, katundu, ndi zida ku chiwonongeko cha mphepo ndi mkuntho?
• Chitetezo cha kusefukira. Mapulani ambiri a bizinesi satetezera kusefukira pokhapokha mungaonjezere.
• Chitetezo cha kuyimitsidwa kwa bizinesi. Izi zimalipira ndalama zotayika ndi mitengo yopitiriza, monga rent ndi malipiro, pamene mwatsekedwa pambuyo pa chiwonongeko chotetezedwa. Nthawi zambiri ndi chowonjezera. Funsani ngati zimalipira kokha pambuyo pa chiwonongeko cha nyumba yanu, kapena pambuyo pa lamulo la boma la kutseka kapena kuzimika kwa magetsi kwautali.
• Nthawi zodikirira ndi excesses. Dziwani nthawi yomwe malipiro ayambira ndi mtengo womwe mulipira poyamba.
• Malire a mphepo. Makampani ambiri a inshuwaransi amasiya kulemba chitetezo chatsopano kapena kusintha mphepo itapatsidwa dzina kapena kuneneratu. Gulani nyengo isanafike.

Sungani ma risiti, mndandanda wa katundu, ndi zithunzi. Onani Inshuwaransi ya mphepo yamkuntho ndi zikalata zofunika.

Ndalama¶

Pambuyo pa mphepo, zida za makadi, ma ATM, mabanki, ndi ndalama za foni zingakhale zosagwira ntchito kwa masiku.

• Sungani ndalama zokwanira, m'ndalama zing'onozing'ono, za sabata limodzi la mafuta, zinthu, kukonza, ndi malipiro ngati mungathe.
• Dziwani mmene mudzalipirira antchito ngati banki yatsekedwa ndi intaneti yalephera.
• Funsani banki yanu za ngongole kapena ngongole ya dzidzidzi nyengo isanafike. Ndikosavuta kuzikonza mphepo isanafike kuposa pambuyo pake.
• Sungani mndandanda wa pepala wa amene akukongani ndi amene mukugongani.

Ogulitsa ndi makasitomala¶

• Funsani ogulitsa anu akuluakulu za mapulani awo a mphepo, ndi zomwe zichitike ku maodala akuyenda.
• Pezani wogulitsa wowonjezera kunja kwa dera lanu kwa chilichonse chomwe simungagwire ntchito popanda.
• Sungani manambala a ogulitsa pa pepala komanso pa foni yanu.
• Uzani makasitomala musanatseke ndi liti mudzatsegulanso: chidziwitso pa khomo, tsamba lanu, uthenga wa foni yanu, ndi njira zanu za mauthenga.

Uthenga waufupi, woona umagwira bwino kwambiri: "Takhala tatsekedwa chifukwa cha mphepo. Tidzalemba apa pamene tatsegulanso."

Thandizo la ndalama pambuyo pa mphepo¶

Ku United States¶

US Small Business Administration (SBA) imapereka ngongole za tsoka za chiwerengero chochepa cha chiwongola dzinthu kwa mabizinesi pambuyo pa tsoka lalengezedwa, kuphatikizapo za kutayika komwe inshuwaransi siteteza. Mabizinesi angapezenso thandizo kudzera mu FEMA, mapulogalamu a boma, ndi ma chamber of commerce a m'deralo. Dongosolo lina la kusefukira la bizinesi lilipo kudzera mu National Flood Insurance Program, nthawi zambiri ndi nthawi yodikirira ya masiku 30. Kwa thandizo pambuyo pa tsoka, imbani FEMA Helpline pa 1-800-621-3362 (US).

Kwina kulikonse¶

Mayiko ena ali ndi ndalama zopatsa, ngongole, ndi chothandiza msonkho pambuyo pa tsoka.

Funsani bungwe lanu la kayendetsedwe ka tsoka, unduna wanu wa bizinesi, kapena bungwe lanu la bizinesi la m'deralo. Tsamba lanu la thandizo la dera likulemba magwero ovomerezeka komwe tili nawo.

Kutsegula mosatetezeka¶

Musatumize antchito mkati mwa nyumba mpaka ayang'anidwa. Yang'anirani chiwonongeko cha nyumba, fungo la gasi, madzi oyimirira pafupi ndi magetsi, ndi mphemvu.

• Jambulani chiwonongeko chonse musanayeretse, ndipo uzani wa inshuwaransi wanu.
• Yang'aniridwe magetsi musanayatse ngati panali kusefukira.
• Yendetsani majenereta kunja kokha, osachepera mamita 6 (futi 20) kutali ndi zitseko, mazenera, ndi mpweya. Onani Chitetezo cha jenereta.
• Taye chakudya chofa chomwe chakhala pamwamba pa 4°C (40°F) kwa ola limodzi kupitirira, pogwiritsa ntchito malamulo a Chitetezo cha chakudya ndi madzi. Ndi malangizo a US Department of Agriculture a chakudya chozizidwa.
• Onani ndi bungwe lanu la thanzi la m'deralo chisanamane kugulitsa chakudya kachiwiri.
• Patsani antchito magolovesi, nsapato, ndi masks pa kuyeretsa, ndipo werengani Kuyeretsa ndi mphemvu pamodzi.
• Gwiritsani ntchito akontirakitala olembetsedwa ndipo pezani ma quote olembedwa. Onani Kupewa zinyengo.
• Bwezeretsani antchito pang'onopang'ono, ndipo yang'anirani mmene akuyenda.
• Uzani makasitomala kuti mwatsegula.

Zolakwa zofala¶

• Kusunga backup yokhayo mkati mwa nyumba, kapena pa chida chomwe chilinso mkati mwa nyumba.
• Kuwerenga dongosolo la inshuwaransi pambuyo pa mphepo, pamene chitetezo cholakwika chakhazikika kale.
• Kuganiza kuti banki ndi zida za makadi zidzagwira ntchito mu sabata limodzi. Konzani ndalama.
• Kutsegulanso nyumba isanayang'aniridwe, kapena kugulitsa chakudya chomwe chinakhala chotentha pa nthawi ya kuzimika kwa magetsi popanda kuyang'ana.
• Kudikira mpaka chenjezo kuti muimbe ogulitsa, omanga, kapena a inshuwaransi.

Mndandanda¶

• Dongosolo lopitiriza lalembedwa ndi kusungidwa m'malo atatu
• Mndandanda wa manambala a antchito ndi uthenga wa gulu wayesedwa
• Zosungidwa zayesedwa kuchokera ku chida china
• Inshuwaransi yawerengedwa, ndi mafunso a kusefukira ndi kuyimitsidwa kwa bizinesi ayankhidwa
• Zotchinga kapena plywood zakonzeka, ndi mndandanda wa zomwe zipita pamwamba
• Dongosolo la ndalama ndi ngongole zakonzedwa
• Wogulitsa wowonjezera wa zinthu zazikulu
• Mauthenga a kutseka ndi kutsegulanso alembedwa

Zitsogozo zogwirizana¶

• Inshuwaransi ya mphepo yamkuntho ndi zikalata zofunika
• Konzekeretsani nyumba yanu kwa mphepo yamkuntho
• Chitetezo cha jenereta
• Kupewa zinyengo
• Kuthandiza dera lanu