Nzira Yokuwana nayo Mabhishopi Makasimbiswa Nemari Yenyu
Government Guarantees
Kutsigira kubva kuhurumende yeUnited States inzira inokosha yekuchengetedza iyo vanhu vazhinji vanovimba nayo.
Kana mari yako yemari ikakundikana uye mari yako yakavharwa, haungarasikirwi nemari. Kune vanhu vazhinji, izvozvo zvakachengetedzwa zvakakwana, uye havafungi zvakare pamusoro pematambudziko.
Kune mabhangi, FDIC yunivhesiti chirongwa chinotsigirwa nehurumende chinodzivirira mari. Mari inoshongedzwa kusvika ku $ 250,000 pamubhadhadha wega wega nebazi. Nguva dzose kuchenjera kuti uone kuti bhangi rako rakaiswa inshuwarisi uye kuti unzwisise chii chinoitika nemhando dzakasiyana dzeakadai (zvakadai sekugadzirisa maakaunti uye mabhadharo emari) - kunyanya kana iwe unodarika $ 250,000.
Nokuda kwehurumende yemishandiro yemari yekubhadhara mari, iyo yakachengeteka semabhengi e-inshurensi , masangano anogona kuvimba neNCUSIF yveshuwarisi yekuchengetedzwa. Zvakare, iwe unofanirwa kuve nechokwadi kuti nhoroondo dzako dzakafukidzwa uye kuti uri pasi pemapupa.
Kana bhangi rako kana chikwereti chikwereti chikakundikana uye mari yako iri inshuwarheni, mari yako yakachengeteka. Hurumende yehurumende, inotsigirwa neUnited States Treasury, inogona kutora mari ipi neipi yakarashika nebhangi.
Izvi zvinowanzo kutsanya (mukati mezuva rebhizimisi), uye vanhu vazhinji havatombotombocherechedza kuti mabhanga avo akakundikana kusvikira zita richinjira kune bhendi rinotora, asi kunogona kunge kunonoka uye kusagadzikana apo bhangi rako rinokundikana.
Kana uine mari inopfuura $ 250,000, zvakakosha kuparadzira mari iyo pakati pemabhenji akasiyana-siyana kana kuti pakati pezvinyorwa zvakasiyana.
Kunyange zvazvo hurumende inopa huviriro hunochengetedza mari yako, vamwe vanhu vanosarudza kusarudza uye kusarudza pakati pehurumende dzehurumende dzinochengeterwa hurumende nekuchengetedzwa kwakawedzerwa. Vangave vasingadi kutora mungozi yezvinetso zvingangodaro, kana kuti vangave vasina mari yakasimbiswa inopfuura mireji yakakwirira.
Rating Services
Kune makambani akawanda ega ega anotarisa mabhengi uye anopa huwandu hunofanirwa kukubatsira kuona kana bhangi rakachengeteka. Izvi zvinogona kubatsira, asi zvinhu zvinogona kuchinja nokukurumidza (zvichida zvakakurumidza kudarika maitiro ehurongwa anogona kugadzirisa) uye iwe unoda kutarisa kusvika kune imwe nguva kuongororwa. Kune vakawanda, kudzokorora kunowanzova kwakaoma, saka iva wakatendeseka pamusoro pehutano hwako hwekuita izvi uye kuisa avo vanoongorora pane kalendari yako.
Bhengetedza Zvakachengeteka uye Nhamba dzakanzwisiswa dzakagadzirirwa kukubatsira kuona kuti mabhengi akachengeteka. Bankrate inoongorora mabhizimisi anowanikwa pakukwanisa kukwana, huwandu hwehupfumi, kubatsirwa, uye kushandiswa kwemari, uye anopa "nyeredzi" kudivi rimwe nerimwe. Shanyira Bankrate.com kuti uwane mamwe mashoko.
BauerFinancial imwe yebasa rine nyore kushandisa star system. Mabhengi akachengetedzeka ari maredzi mashanu akaenzana. BauerFinancial inosanganisira zvikwereti zvekwereti, uye iwe unogona kutsvaga nekunyora muzita remari yako yemari.
Tsvaga zvimwe paBauerFinancial.com.
Texas Ratio
Kutarisa mabasa anotarisa pamhando dzakasiyana-siyana dze data kuti uuye ne "grade," asi iwe ungasaona basa rose kana kuti mafungiro aitevera chikoro ichocho. Kana iwe uchida kutora mamwe maoko-paunoswedera, iwe unogona kuita zvaunenge uchiverenga. Ongorora kuti simba rako rakadini, uye tsvaga zviratidzo zvekutambudzika.
Imwe kuverenga inowanzoshandiswa pakuongorora mabhangi ndiyo Texas Ratio, iyo inotarisa kuti ingangodaro yakaipa sei zvikwereti ndezvekukwevera bhangi pasi. Mabhangi anoshandisa mari yaunoisa, kuikweretesa uye (pakati pezvimwe zvinhu) . Mabhangi akachengeteka ane Texas Ratio zvakanaka pasi pe100% (kana 1: 1). Ivo vanokwanisa kukwanisa kurasikirwa kurasikirwa pamatokwereti asina kukwana . Kuti uwane mamwe mashoko uye muenzaniso, ona Maonero eAlex Texas Ratio .
Too Big inokundikana
Vamwe vanhu vanotenda mumutauro we'kukwirira kukundikana. ' Mune mamwe mazwi, vanotenda kuti mabhengi akachengeteka ndiwo mabhanga makuru ane tende dzinosvika munzvimbo dzakawanda dzehupfumi.
Pfungwa iyi ndeyekuti hurumende dzichasimudzira mabhanhire aya uye dzidzidzivise kuti dzisakundikana.
Kukwikwidzana ne 'guru rakanyanya kukanganisa' mabhenji, mabhanga maduku akawana kugadzira. Semuenzaniso, chirongwa cheCDARS chinobvumira vashandi veCD kuti vaite zvikwereti zvakakura (pamusoro pemiganhu ye FDIC) pane imwe nzvimbo duku uye vachiri kuwana kuzadzwa kwakazara kweDFIC.
- Dzidza zvakawanda: CDARS - Kuwedzera FDIC
Bail-Ins
Kunyange zvazvo maonero asiri echokwadi, kune vamwe vanotenda kuti masangano maduku (ayo haasiwo-makuru-ku-akundikana) ndiyo nzvimbo dzakachengeteka kuchengetedza mari yako. Kunetseka ndechokuti zvikwereti zvezvemari zvakadai semabhengi epasi pose zvinowedzera njodzi (nezvimwe zvakasiyana-siyana zvezvipingamupinyi) kupfuura zviduku zvidhinha zvemunharaunda. Kana vaizowira panguva dzakaoma, vamwe vanotya kuti masangano aya aizotora mari kubva kubhuku rako kuti asangane nemamwe mabasa.
Izvi zvinoitika hazvibviri, uye kune mamwe maitiro e " bhail-ins " ayo mabhanhire angashandisa vasati vapinda mu akaunti yako yega uye kubata mari yako. Izvozvo zvakati, chero chinhu chinogoneka, uye isu hatizivi zvatisingazivi nezveramangwana. Kana iwe uchida kuve wakangwarira zvikuru, zvinogona (kana kuti zvisingaiti) kuita zvinonzwisisika kuronga zvezviitiko zvezviitiko.
Bank Robbery
Kana iwe uine hanya nezvekubavha, ziva kuti kupamba kwakanyanya kunonyatsoonekwa nevakawanda vevatengi uye kunyange vashandi vebhangi (uye kuba kunowedzera kuenderera mberi paIndaneti, asi iwe unowanzochengetedzwa kubva pamakanganisa nekunyengera ).
Kana iwe uchingobatanidzwa mukupamba, tevera mimwe mitemo inokosha pamusoro pokuti ungazviita sei . Chinonyanya kukosha, usaedza kuva hero. Mabhengi akawanda anochengetedza mari yakarashika muupamba. Inzwa wakasununguka kubvunza chero bhengi raunofunga kushanda nemhando ipi yekugovera iripo iwe usati watanga nhoroondo.