Pasi pane mikana shoma.
Bhendi Yenyu Inoenda Pasi
Zvaunoita mubhangi zvakaputirwa nehurumende kuburikidza neDICIC inshuwarisi . Pane muganhu wekuti yakawanda yakafukidzirwa sei. Kazhinji $ 250,000 yekutanga yekero, pechipatimendi, inishuwarenzi. Musati gore ra2008, muganhu uyu waiva $ 100,000, asi munguva yematambudziko matambudziko akawedzerwa uye kuwedzerwa kwakagadziriswa. Kana iwe uine mari yakawandisa pamiganhu yekuvhara, kune nzira shomanana dzokuwedzera kugoverwa:
- Shanda nebhangi rako kuti uite mazita akawanda eakaunti, akafanana nekodha imwe yakatumidzwa nezita remudzimai, rimwe muzita remurume, iro rinonyanya kutaurwa, nezvimwewo.
- Paridza mari yako kune mamwe masangano. Dzimwe mabhengi achakuitira izvi iwe kuburikidza nekutora muchirongwa chichavabvumira kuisa mari yako muzvigwaro zvekuiswa nemamwe mabhangi.
- Shandisa kambani yekwereti uye mukati mayo kutenga maCD kubva mabhanga akasiyana. Iwe une $ 250,000 zvekugovera pane imwe sangano, saka kana uine ma CD mana kubva mabhanga mana, imwe neimwe inokosha $ 250,000, iwe unenge uine madhora emadhora akavharwa.
Your Money Market Fund Inoshambadza
Mariko yemari yemari inobhadhara mari shomanana; Mamwe emari idzi, zvakadai semapepa ebhizinesi, zvikwereti zvenguva pfupi pakati pemakambani. Vanonzi vanochengeteka nokuti mukana wekuti kambani ichabuda kunze kwebhizimisi mumazuva 30 kusvika ku20 kusati kwatokwereta chikwereti ichi chiduku.
MunaSeptember ya2008, kuchengetedzwa kwemari iyi kwakauya mubvunzo, sezvo hutano hwemari hwekambani dzakawanda dzakaongororwa. Kuchengetedza kushushikana, Treasury yakabudisa chiitiko chechinguva kune vanhu vakange vaisa mari mumari yemari yemari. Nzvimbo iyo inobudisa mari yako yemari yemari inofanira kubhadharwa kuti iite chikamu purogiramu iyi yekuvimbisa. Purogiramu yacho haisisiri munzvimbo.
Mari yemusika mari inotarisirwa kuchengetedza mutengo wakasimba we $ 1.00 pane. Mukuwedzera, vanobhadhara chikwereti, kunyange zvazvo varipo iye zvino-muzinga wekuda kwemazingira, mari zhinji iri kubhadhara zvisingabatsiri zvachose.
Your Inshuwarisi Company Files Bankruptcy
Makambani eInishuwarenzi anotarisirwa nemutemo kuchengetedza huwandu hwemari inosara inowanika kubhadhara mari. Izvo zvakakwirira kuyerwa kwekambani yeinishuwarenzi, iyo yakachengeteka mamiriro avo emari, uye saka zviri nani kuti vakwanise kubhadhara zvikwereti.
Kana kambani iyo yakabudisa mutemo wakagadziriswa goreuity inoenda pasi, National Organisation of Life & Health Insurance Guaranty Associations (NOLHGA) inoita kuti inshuwarisi mitemo iendeswe kune inshuwarisi yehutano. Kunyange zvazvo izvi zviri kuitika, annuity yako inogona kunge yakaoma, uye mari uye mukuru wacho angasawanika iwe kusvikira kutengeswa kwezvinhu kumakambani matsva kwapera.
Assets mu annuity yakasiyana inoonekwa semari ye policyholder, kwete mari yekambani ye inshuwarisi, uye naizvozvo zvinhu mu variable annuity hazviwanikwi nekambani yeinishuwarenzi yevakweretesi munyaya yekambani yeinishuwarenzi bankruptcy .
Kurasikirwa Kwekutsvaga Simba Pamusana Pekutsvaga
Kana ukasarudza kuita mari yakachengeteka inoreva chinangwa chako chikuru chekutsinhanisa ndekuchengetedza mukuru, kunyange kana izvo zvinoreva kushandiswa kwekutsvaga kunokupa iwe mari shoma kana kukura. Kana pane chikwereti chakanaka, iwe unogona kupera simba rekutenga kwenguva.
Somuenzaniso, kana mari yako yakachengeteka yaive yakagamuchira 2% pagore, uye kutengesa kwezvikamu kwaive 4% pagore, kunyange zvazvo mukuru wako ari wakachengeteka, paunenge uchishanda kushandisa mari iyo haingatengi semidziyo yakawanda nemashando sezvazvaishandiswa . Izvi zvinoreva kuti iwe uri kunyangarika kutengesa simba.
Vanhu vazhinji vanofunga kuti njodzi yekurasikirwa mukuru ndiyo ngozi huru. Zvisinei, kana uine nguva yakareba, kurasikirwa kwesimba rekutenga nekuda kwekuwedzera kwezvinhu kunogona kushanda sekukura uye kunokonzera kukanganisa kwakawandisa. Kana uine nguva yakareba, kuti urege kurasikirwa nemasimba ekutenga, funga kufambisa zvimwe zvekutsvaga kwemari yako kwenguva yakareba mukukura kana kushandiswa kwemari.
Illiquidity - Kubhadhara Mutongo Kuti Uwane Mari Yako Yakachengeteka
Zvikwereti zvakawanda zvakachengeteka zvine mhosva yokuzvipira , zvinoreva kuti iwe uchabhadhara mari kana iwe uchida kuwana mari yako isati yasvika. Iyo iri kure kubva musi wekukura, izvo zvishoma zvinoshandiswa pakutsvaga.
Muchiitiko chezvikwangwani zvekuisa (CDs), chirango chekutanga chekutora chinogona kuva chiduku, sekubhadhara kwemwedzi mitatu inofanirwa kufarira. Munyaya yekuchengetedzwa kwemakore, kuregererwa kwekutora chirango kunogona kuva chakakura, zvakadai sekuzvipira kune yakakwirira se gumi kana gumi nemashanu kubva muzana yemari yako yekutsvaga.
Chimwe chezvikwereti kumabhengi ekuchengetwa kwebhangi nemari yemari yemari ndeyokuti mari inoramba iine mvura, zvinoreva kuti inowanikwa kwauri chero nguva ipi zvayo, chirango chisina. Kana iwe uchida kusunga mari yako kwenguva yakareba, zvichida nokushandisa CD kana annuities, iwe pachako unowanzowana mari yakakwirira yezvinodiwa yehuwandu kupfuura iwe waunowana muhuwandu hwemvura, kuchengetedzwa kwakachengeteka sekuchengetedza kana mari yemakethe mari.