The Basics of Brokered CDs
Brokered CDs, sezvinonzi zita rinoratidza, rakaputsika. Izvi zvinoreva kuti munhu (mutungamiri wenyu wezvemari nemuenzaniso) anotsvaga pamusika kuti awane zvakanakisisa CD mahara aripo. Kufanana nedzimwe CD , unobvumirana kuchengetedza mari yako yakaiswa kune imwe nguva yakatarwa, uye bhangi inobvumirana kukubhadhara chimwe chikamu chekufarira.
Zvimwe zvezvinhu zvakasiyana-siyana zveBrakered CDs
Iwe uchawana zvinhu zvishomanana zvakasiyana nekuputsa CDs. Chokutanga, iwe unozarura kusarudza kwako kwekutsvaga mari kune mabhizinesi ese. Kusiyana neizvi nemamiriro ezvinhu apo iwe unopinda mubhangi uye unobvunza nezvemaCD - ivo vanongopa ma CD. Kana ukashandisa mabhedha akaparadzana iwe unogona kuiswa pachena kumaCD kubva munzvimbo dzakasiyana-siyana. Dzimwe nguva izvi zvinogona kushanda zvakakunakira kana mabhenji ako epanzvimbo ari kuedza kusatora mari yakawanda uye saka anochengeta madiki zvishoma.
Iwe unotenga uye kutengesa CD dzakaputsika zvakanyanya kufanana nezvimwe zvikwereti zvakasimbiswa. Iko kunowanzova nehuwandu hwekugovera, uye pangangodaro kune zvishoma zvishoma kudiwa kwekurongeka (zvakadai se $ 10 000). Iwe unogona kutengesa mabhizimisi akaparadzana mumusika wechipiri - kunyange pasina zvakawanda.
Kwatingawana Brokered CDs
Vashandi vezvemari, vatengesi, varongwa vezvemari , uye vadzidzisi vezvemari vanogona kupa ma CDs.
Zvimwe chete, munhu chero upi zvake anogona kutengesa kumativi ezvitoro angangokuwana iwe CD yakaputsika. Kumbira mubatsiri wako wezvemari kana uchida kutarisa maCDs akaparara.
Mari dzinosanganiswa neCD Brosred
Kazhinji "mari" yako inowanikwa muPoreji yePega Kubhadhara (APY) yaunowana pamari yako. Izvi zvakafanana nebhangi - bhangi haigoni kukubhadharai mari yekuisa muCD.
Zvisinei, bhagheni inogona kukubhadhara zvakanyanya kana zvishoma zvichienderana nekunetseka kunokonzera. Izvozvowo ndezvechokwadi zvakakonzerwa nemaCDs - APY yako inotarisana nekuwanda kwevanenge varipo pakati pekuda kuwana pane zvakatengeswa.
Vamwe vatambiri (kufanana nemukwereti wako kana mutariri wezvemari) anogona kukubhadhara iwe mari shoma yokutenga yakagadzirwa CDs. Iyi inogona kuva yetikiti-mutero wavanofanira kubhadhara pakuisa mutemo wako, uye inogona kunge iri mari yakadzika kana mari inoshandiswa nemadhora ane chiuru.
Pakupedzisira, iwe unogona kubhadhara mari pasi pehumwe urongwa, zvichida kubva pazvinhu-pasi-kutungamirirwa (kana mari yakazara yekuita mari). Zvichida mari yacho inokosha kwauri nokuti CD mutengesi anoita zvose zvaunotenga kutenga, kutsvakurudza, nekuvandudza kwako.
Ngozi Dzakabatana neBrokered CDs
Dambudziko guru rekuparara CDs kune ngozi yemusika. Iyi ndiyo ngozi yokuti iwe uchatengesa CD yako pamusika wechipiri pane zvishoma pane iwe waibhadhara. Zvakanaka, iwe uchachengeta ma CD yako kusvika pakukura uye kubvisa dambudziko iri. Zvisinei, upenyu hahuna chokwadi uye dzimwe nguva tinoda kuchinja kwezvirongwa. CDs dzinogona kuita sezvisungo - kana zvikwereti zvinokwira, vatengi mumusika wechipiri vangasadi kubhadhara mari yepamusoro kuti ikubatsire kubuda.
Imwe ngozi yekuparara CDs ndiyo ngozi yokuti iwe ucharasikirwa nemari yako.
Iwe unofanirwa kuve nechokwadi chekuti mabhizinesi ose anopa mabhuku akachengeteka uye FDIC-yakavimbiswa. Iwe unogona kuwana yakaisvonaka CD mazinga ayo akakwirira zvikuru kupfuura makwikwi, asi tradeoff ndeyekuti unofunga kutora ngozi yakawanda. Kune vakawanda CD vanotenga, pfungwa yacho ndeyokudzivirira ngozi. Iva nechokwadi chekuti unochenjerera mabhengi amunoita nebhizimisi naro. Pane zvakawanda zvevakanaka kunze uko vanoda bhizinesi renyu; iwe unotofanira kuita rimwe basa rechikoro.