Nzira Yokudzivisa uye Kubvisa
Chii Chachibata?
Iko kunononoka kwenguva pfupi pakuita mari iripo.
Bhizinesi "rinosunungura" mari kuitira kuti urege kukwanisa kubvisa mari yacho kana kuishandisa iyo yekubhadhara magetsi, asi iyo mari inowanikwa muakaunti yako. Nhoroondo yeAll yako inoratidza mari yose, uye mari yacho yakawedzerwa pakero yako yekodha, asi mari haisi chikamu chako chiripo .
Izwi rinokosha pamusoro apa "rinowanika." Une zvikwereti zvezvikwereti zvakawanda, kusanganisira yako yose yekero yemari, uye mari yako iripo .
Kana akero yako ichipa mubereko, iwe unowanzozotanga kuwana chido pakarepo-kunyange kana mari isipo.
Nei Mabhangi Aine Mari
Mari haifaniri kufamba nokukurumidza sezvaunofunga. Kana ukaisa cheki kana kuti mari mukati memari yako yekuongorora, bhangi inopa chikwereti chako nokukurumidza (kuratidza kuwedzerwa mumari yako). Zvisinei, mari yacho haisati yashandurwa kubva kubhengi rebhadha-iyo inogona kutora mazuva anoverengeka , uye bhangi haazive chokwadi kana kubhadhara kwakanaka.
Mabhangi anonetseka kuti kutarisa zvakanyorwa kune iwe zvinogona kukuvadza, kana kuti izvozvo zvese hazvisi zvepamutemo. Chibatanidza mari yacho inopa bhangi mamwe mazuva mashomanana kuti aone kana pane chakaipa.
Bhizinesi iri kuzvidzivirira pachayo pamusoro pemarasikirwa, uye avo vanobata vanogona kukubatsira kuti usazvidzivirira kukanganisa kwakawanda zvakare (ona pasi apa).
Kwenguva Yakadini Inobata Pakupedzisira
Mune zvimwe zviitiko, mabhangi haafaniri kuchengetedza mari-iwe unogona kupedza mari pakarepo. Zvisinei, zvinowanzobatwa kuti zvigare kwemazuva mashomanana ebhizinesi, uye rudzi rwekuisa mari runokosha.
Mabhangi anobvumirwa kuva seni sezvavanoda apo vanoita mari-vanogona kukubvumira kuenda nemari pakarepo-asi mari inowanzochengetwa kwemazuva emabhizimisi akawanda. Yeuka kuti mazuva ebhizimusi ndeMuvhuro kusvika Chishanu, kusina mazororo , saka mazuva mashanu ebhizimisi anoreva mazuva manomwe ezuva rekare (kana kupfuura, kana pane zororo).
Mutemo weGurumende (iyo Expedited Funds Availability Act) inogumira mabhanki angachengetedza sei mari yako .
Cash Deposits
Paunoisa mari mumunhu kumushandi webhangi (kusiyana neATM ), mari inofanira kuwanikwa mukati mezuva rimwe remabhizimisi.
Mamwe emitemo iri pasi apa inoshanda kune zvisiri mari.
Kutanga $ 200
Mari yekutanga ye $ 200 yemari yako inofanira kunge iripo mukati mezuva rimwe remabhizimisi. Zisara zvinofanira kuwanikwa nezuva rechipiri rebhizimisi (kunze kwekuti "kunze" kunoshandiswa).
"Mahofisi" anowanzowanikwa mune rimwe zuva rebhizimisi. Paunoisa mari inodarika $ 5,000 muzuva rimwe, $ 5,000 yekutanga inofanira kuwanika mukati mezuva rimwe chete, asi pane inogona kubata chikamu chinosara.
Izvo zvinyorwa zvinosanganisira:
- Bhizimisi reBhishopi rinotarisa zvakadai se cashier's check or checks certified
- Nheyo dzemari dzakabudiswa neUnited States Postal Service
- Checks yakabudiswa nemasangano ehurumende (akadai sokubhadhara mutero kubva kuAmerica Treasury)
- Checks inotorwa pane imwe sangano iwe unoita kuti iwe uise mari yako
"Kusiyana" kunogona kukonzera nguva refu. Bhandi rako rinotofanira kutevera mutemo wehurumende uye kururamisa kuwedzera, asi mumatambudziko mazhinji, kubata kunofanira kuguma mukati mezuva rebhizimisi rechinomwe. Kusiyana kwakasiyana kunosanganisira:
- Dzimba dzinodarika $ 5,000 pazuva pazuva rako
- Kuenda kune imwe nhoroondo yekutarisa itsva kana maakare ane nhoroondo yekusakwana kwemari
- Redeposited checks (iyo yakambomira bounced)
- Apo bhengi rinopomera unyengeri kana asingatendi cheki yakakodzera
Nzira Yokubvisa Hold
Zvinoshungurudza kana iwe usingakwanisi kushandisa mari yako, uye mabhenji anowanzoisa zvigaro nemutemo (iyo kombiyuta inoita chinhu chimwe chete kune chekuongorora, kazhinji pasina kusinganisa iwe).
Zvinokwanisika kuti kubvisa kubviswa, asi iwe unofanira kuteterera nyaya yako.
Chii Chakaita Kuti Ichive?
Chokutanga, tsvaga kuti nei chibvumirano chiripo. Semuenzaniso, iwe unogona kunge wakaisa dhora reWest Union mari kune chimwe chinhu chawakatengesa paIndaneti. Icho chiri chekuita cheki chechipo. Zvichida, mari yako inogona kunge yakanyungudzwa nokuti wakashandisa kadi yako yebhengi pane bhizinesi rinoshandisa kubvumirwa kukuru kwekuregererwa.
Kumbira Kuti Ive Yakabviswa
Kana mutengesi akaisa danda paakaunti yako kuburikidza nekadhi yako yekutengesa, taura nevatengesi uye uvakumbire kuti vasunungure mari. Izvi zvinofanirwa kuwira pasi mushure memazuva mashomanana, asi zvinonyanya kuoma nehotera, motokari dzemotokari, uye mapfupa emagetsi (kana mamwe mamiriro ako apo bhizimisi rako rekupedzisira harisi kuzivikanwa). Kana bhengi yako ikatora cheketi yako yaunenge waisa, bvunza kana zvichibvira kubvisa kubata-zvichida mari inouya kubva kubhengi rebhadhara, uye hapana ngozi kune bhangi. Bhengi yako ingave yakagadzirira kukurumidzira zvinhu, kunyanya kana iwe usina nhoroondo yekugadzirisa cheki kana kuisa zvakaipa.
Chimirira Izvo
Mune zvimwe zviitiko, haungakwanisi kuita chero chinhu pamusoro pekubata. Zvakare, bhadha yako inoda kutevera mitemo yehurumende uye inofanirwa chero ipi zvayo inobata mubhuku rako, saka haigone kukuchengetedza kubva pamari yako nokusingaperi. Kana zvinhu zvichienderera mberi kwenguva yakareba, taura neUnited Consumer Financial Protection Bureau (CFPB) uye faira kunyunyuta.
Kudzivirira Kunobata
Kuti udzivise zvigaro munhoroondo yako, ita mari iyo inogona kuwanikwa nokukurumidza sezvinobvira.
Nokuda kwebhadharo yako, chengetedza kuti uende mari yakananga . Kudhindwa kwekombiyuta (zvikurukuru iyo inowanzoitika nguva dzose, kufanana nemari yekubhadhara) inowanzobuda nokukurumidza. Iwe unogona kunge uine ruzivo rwemari yako zuva kana maviri mberi kwekuti iwe ungadai wakagamuchira mubhadharo wako.
Pamusoro pemari mikuru , bvunza rudzi rwekubhadhara runokurumidza kukurumidza:
- Nheyo dzinoshandiswa dzinowanika mune imwe zuva.
- Cashier's checks, USPS mari yemirayiro (asi kwete mamwe mairairo emari), uye cheketi dzinozivikanwa zvinokwanisa kupa $ 5,000 mukati mezuva rimwe remabhizimisi.
Dhipatimendi kune imwe nhoroondo kana iwe uri kuita mari iyo inogona kukonzera zvinetso. Somuenzaniso, kana uine maverengi akawanda ekutarisa uye unoda kuisa hurukuro yakabuda kunze kana yekunze, ita mari yacho mune imwe nhoroondo yausingavimbi nayo kwezuva nezuva.
Paunenge uchishandisa kadhi yako yekubhadhara, bvunza kana chibatiso chichandoiswa panzvimbo yako, uye uone kuti zvichave zvakadini. Kana mari yacho yakakura zvokuti inokonzera zvinetso, shandisa kadhi rechikwereti pane kuti uende kana kutumira mari yakawedzerwa muakaunti yako yekuongorora kuti uvhare. Ngwarira pamusoro pokusvitsa kadhi yako yebhadhiro pamagetsi emapupa, mahotera, uye mahoitorendi, apo aya "pre-auth" ane zvakanyanya.
Nhoroondo Yese Yakasvibiswa Here?
Mune zvimwe zviitiko, mabhangi anopisa akaunti yako yose-kunyange mari yaive yatowanikwa muakaunti yako isati yaita mari huru. Dzimwe nguva purogiramu yemakombiyuta inosarudza (nokuda kwechikonzero chisingagoni kutsanangurwa kwauri) kuti pane ngozi uye mari inoda kuve yakanyorova kwechinguva. Zvakare, foni inogona kukwanisa kusunungura mamwe emari yacho.
Mari yaunogona kuipedza muakaunti yako inowanzonzi yako inowanikwa chikwereti . Mari isingakwaniki inogona kuve yakanyorwa pasi pekubata kwako.
Ndeipi nzira yakanakisisa yekudzivisa njodzi iyi? Taura nebhangi paunenge uzarura aunti uye uchiita hurukuro. Vaudze chaizvo kuti unoronga kushandisa sei kambani: kakawanda iwe uchaisa sei uye kubvisa, ukuru hwemazuva ekutengeserana, uye inopa mari. Munhu akanaka kubhengi achaziva nhoroondo dzezvikamu zvichaita kuti uve munhu anofara.
Nokufamba kwenguva, bhangi rako (uye makombiyuta ayo) rinofanira kunge yakajairika kuti unoshandisa sei account yako. Kana iwe uchigara uchifamba kana kuti ukaisa mari uye kubvisa, bhagheni pakupedzisira ichaona kuti iwe hausi kuita chero chakaipa uye kuderedza zvakachengetwa munhoroondo yako. Mabhangi anoshandisa yakaoma njodzi zvikoro uye makombiyuta ekudzivirira kubiridzira, uye iwe uchada kudzidzisa bhanhire pane izvo zvingatarisira munhoroondo dzako.
Iwe uri Mhosva yeMari
Pane imwe nguva kubata kusunungurwa, iwe wakasununguka kushandisa mari: kubvisa mari kana kuishandisa uchishandisa kadhi yako yebhengi, chekuongorora, kana kubhadhara app yakabatanidzwa nekutarisa kero yako . Zvisinei, iwe uchiri kukonzerwa nehomwe yacho-bhangi haigoni kuvimbisa kuti cheki kana kuti mari yawakagamuchira yaive yakanaka. Mune mamwe mazwi, inodzivirira bhangi, uye iwe uri kushandisa iwe pachako pangozi.
Dzimwe nguva zvinotora mavhiki mashomanana kuti vaone kuti cheki ichaputika . Kana iwe wakashandisa mari yacho kubva muhomwe, unenge uine nhamba yakashata, uye iwe unofanira kutora mari iyo. Dzimwe nguva zvakaoma kuita, kunyanya kana iwe wakatumira mari kune mumwe munhu wausingazivi (sezvinoitika muchechi cashier's checks scam ).
Kana iwe uine kusava nechokwadi pamusoro pemubhadharo, ramba wakangwarira. Edza kuongorora mari nebhenekeri yemunyori wecherechedzo ( kana neine mari yekubudisa mari ) usati waita mari-izvi zvinogona kukubatsira kudzivisa mari yekuisa cheki yakaipa kubhangi rako. Mira kwemavhiki mashomanana usati wapedza mari (kunyanya kana chero munhu akakukumbira kuti utumire mari kune imwe nzvimbo , iyo chiratidzo chakajeka chetsotsi).