Kuchengetedza uye Kuchengetedza Kubhadhara Zvikwereti
- Shandisai mari dzekuchengetedza zvikwereti zvinopa zvikamu, zvakaenzana nemari inobva kubhengi yekuchengetera mabhengi.
- Kugovera kuongorora (kana kuti "bumbiro") nhoroondo dzewaini mabhadharo ekubhadhara uye kushandiswa kwezuva nezuva.
Shandisa Zvikamu Zvokuchengetedza
Nhoroondo yekuchengetedza mari inowanikwa nhoroondo yekodhi. Nhoroondo idzi dzinobhadhara chikwereti pamari yako, nekupa nzvimbo yakachengeteka iwe kuchengetedza mari.
Kuzarura kambani yekugovera kunosimbisa hutano hwako (kana hutungamiri) mune chikwereti chebato, uye kunokuita kuti uwane kodzero yekushandisa zvimwe mishonga sezvikwereti, kutarisa mabhengi, nezvimwewo.
Kana iwe uchiziva nezvekuchengetwa kwebhengi pamabhangi, iwe unenge watoziva nheyo dzekambani yekuchengetedza mari. Izwi iri rakasiyana nokuti iyo nhoroondo inobatanidzwa pachikwereti chebato , asi nzira yaunoshandisa nayo iyo yakafanana.
Kuchengetedza kufarira: Zvikwereti zvekwereti zvinobhadhara chikwereti pamari yako mukambani yekuchengetedza mari. Zvichienderana nezvikwereti zvinowanikwa muhuwandu (uye zvakanyanya sei chikwereti chekodzero chinoda kukwikwidzana nemari), chiyero chaunowana chinogona kuva chakakwirira kana chakaderera. Asi zvishoma zvishoma zvinobatsira. Kana iwe uchida kuwana zvakawanda, uye iwe unoda kurarama nemimwe mitemo, zvakakosha kubvunza kana chikwereti chebato chinopa zvigwaro zvekuisa (CDs) kana mari yemari yemari inobhadhara zvimwe
Kuwana mari: Unogona kubvisa mari kubva paakaunti yako yekuchengetedza mari chero nguva yaunoda, asi kune zvigadziriswa kune mamwe marudzi ekuregererwa.
Kana ukashandisa ATM, shanyira chikwereti chekwereti mumunhu (kusanganisira zvikwata zvakagadziridzwa nzvimbo ), kana kutarisa tsamba yako kwauri, unogona kubvisa kakawanda sezvaunoda. Zvisinei, gwaro rekuchengeta haisi rekushandisa kwezuva nezuva. Mutemo weGurumende (Mutemo D) unogadzirisa zvimwe zvikamu zvekuchengetwa kwekambani yekuchengetedza kusvika pamwedzi pamwedzi, kusanganisira:
- Anoongorora iwe unyorera pane account (asi kwete kutengesa kuripa iwe kubva kubhadhara mari)
- Kutenga nekadhi yebhadharo
- Inhare yebhadharo yepaIndaneti neACH zvipo
- Inoshandura kuongororo yako yekuongorora
Kuchengetedza matambudziko nekuvhiringidzika, nhoroondo zhinji dzekuchengetedza hazvipi kupa makadhi ekubhadharira . Vanhu vakawanda vanoita zvakanakira nekudhindwa kwemasere matanhatu pamwedzi - kungotamisa mari yakakwana pane iyo yekuongorora chengetedza uye ushandise kubva ipapo.
Kunyange zvazvo kubudiswa kwebhuku kusinganzwisisiki, hapana muganhu wehuwandu hwemari yaunenge uita muakaiti mwedzi wega wega.
Nzvimbo yakachengeteka: Mari yako yekuchengetedza (kana kuongorora) inzvimbo yakachengeteka yekuchengeta mari. Panzvimbo yekuchengetedza mari pamba kana kuitakura, zvinogara mukati memari yekwereti. Cherechedza kuti uone kuti mari yako yakachengetedzwa zvizere uye kuti iwe uri pasi pemadhora akawanda.
Dhaka: Mari muhomwe yako yekuchengetedza mari dzimwe nguva inogona kushandiswa sechikwata chechikwereti . Iyi sarudzo ichakubatsira iwe kuvaka gorosi (kana iri yekutanga, kana uri kuvaka zvakare mushure mehumwe matambudziko). Kumbira nezvemari yakachengetwa zvikwereti kana iwe uchida kukwereta kune mari yako.
Shandisa Draft = Kuongorora
A share draft account inhoroondo yekodhi pane chikwereti chebato rinokubvumira kuti iwe uwanzoita kubhadhara uye kubhadhara.
Kana iwe uchiziva nekutarisa maakaiti , kugovera majeti ezvinyorwa zviri zvakangofanana. Zvakare, musiyano chete ndeokuti "chikamu" chikamu chiri pachikwereti chebato panzvimbo yebhangi.
Kuwanika kwemari: Nekugoverana kwebhuku, pane kazhinji hakuna mhedzisiro yekuti iwe unowanzoshandisa sei compte (kunze kwekunge ibhizinesi kuita zviuru zvekutengeserana mwedzi mumwe nomumwe). Iyi nhoroondo nzvimbo yakanaka yekuti zuva rega rega kushandisa mari. Kana iwe ukanyora cheki, tenga chimwe chinhu nekadhi yebhadharo , kubvisa mari kubva kuATM, kana kubhadhara zvikwereti paIndaneti (kana biller wako achikwevera mari yacho kana iwe ukagadzirisa kubhadhara nebhangi rako), uchishandisa shanduro yekugoverana kana kambani yekuongorora.
Nekambani yekuchengetedza, pane mitsara yekuti iwe unogona sei kuita mamwe marudzi ekudzorera kubva ku-akhawunti yako: Iwe unongobvumirwa chete "matanho" matanhatu pamwedzi pamusana peMitemo D (kunyange zvazvo zvimwe zvikwereti, sekubhadhara mari kubva kuATM, zvisingagumi).
Izwi rokuti "gwaro" ndiro izwi rekare rinoreva kuongorora kunokonzerwa nemari mubhangi, asi iwe unogona kufunga pamusoro payo semari inobva mubhangi kana chikwereti chebato.
Kuwana ruzivo: Nyaya dzakawanda dzekutarisa hazvibhadhari chikwereti. Zvisinei, mamwe masimba emakambani anopa mubairo kutarisa , izvo zvinokubvumira kuwana
Dzimwe Mhando dzeAkaunti
Pane mamwe mazita mashomanana aungada kuti uzive kana iwe ukashandisa chikwereti.
Zvitatimiti zvepaiti (CDs) zvinogonawo kuva nemazita akasiyana. Pazvikwereti zvikwereti, tarisa "zvivhoti zvekugoverana" kana iwe uchida kubvisa mari yako.
Mareji ekurega basa anowanzotaurira zvikamu pamwe chete, asi zvinowanzoitwa mazita akadai se "IRA" anofanira kukubatsira kuziva kuti ndewepi yenyaya yaunayo.
Ubwero
Zvikwereti zvekodheni zvakasiyana nemabhangi nokuti wega wega wekambani ndiye muridzi wesangano. Sezvo muridzi, iwe unoti mune chikwereti chikwereti chikwereti chinomhanya, uye iwe unogona kuvhota pane nyaya dzakasiyana neBhodi reVatungamiriri. Kazhinji, hazvibatsiri kana uine mari yakawanda kudarika chero munhu upi zvake munhoroondo yako - nhengo imwe neimwe inotarisirwa zvakaenzana uye inotora voti imwe.
Kunze kwechimiro chakasiyana (uye mutauro), pane musiyano muduku pakati pemabhengi akawanda uye zvikwereti zvemari zvebato kubva maonero avatengi. Vanopa zvipatara zvimwechetezvo , uye mari yenyu yakachengeteka mu federally insured credit union sezvavari muDFC-inshurensi yebhengi . Dzimba dzinodzivirirwa kusvika ku $ 250,000 pamubhadhadzi wega wega nebazi, uye zvinokwanisika kuva nemadhora anodarika $ 250,000 mune imwe chikwereti chebato. Zvisinei, havasi zvikwereti zvemari zvese zvinotsigirwa nehurumende.
Kwete Nenzira Inodiwa Account Joint
Usavhiringidza nhaurirano yekugoverana negoji rakagoverwa (iwe unogovana kune mumwe munhu). Izwi rokuti "mugove" rinoreva mugove wako wehuwandu mune chikwereti chebato. Kunyange zvazvo iwe unogona kuva nekambani yekuchengetwa kwekambani yekuchengetedza, kugovera maakaunti kunogona kuvawo maakaiti ega ega (uye mamwe marudzi eakaunti ).