Nzira Yakachengeteka Yokuwana Zvakawanda
Zvitatimiti zvekuisa (CDs) zviri pakati pezvikwereti zvakachengeteka zviripo kubva kumabhangi uye zvikwereti zvemari. Vanowanzobhadhara mari yepamusoro yekutora kune zvikwereti zvekuchengetedza uye mari yemakethe maakaiti , asi pane imwe yenyaya yekutsvaga: Kushandisa kambani yeCD, unofanira kuvhara mari yako munyaya-kunyange zvazvo zvichibvira kubuda kare.
CD inoshanda sei?
CDs ndiyo imwe nguva yenguva . Mukudzoka kwehuwandu hwechibereko, unopikira kuchengetedza mari yako mubhangi kwehuwandu hwemazuva (semuenzaniso, mwedzi mitanhatu, mwedzi 18, kana makore akawanda).
Mizinga yepamusoro: Kukupa mupiro wezvipikirwa izvi, bhangi inobvumirana kukubhadhara kupfuura iwe waunowana kubva ku-akhawunti yekuchengetera : Unowana yepamusoro yepenteji yezvibereko ( APY ) pane mari yaunoisa. Nei mabhengi aripo? Nokuti vanoziva kuti vanogona kushandisa mari yako yekusimwa kwenguva yakareba sezvikwereti, uye haungauyi kubvunza vhiki inotevera.
Nguva yekusarudza: Kana ukazarura CD, iwe uchasarudza nguva yakareba sei uchida kuchengetedza mari yako yakavharwa. Nguva ino inonzi izwi , uye mazwi akafanana anosanganisira 6, 12, 18, nemwedzi 60, kunyange mamwe mazwi aripo.
Inguva yakareba kwenguva refu here? Iwe kazhinji unowana zvakawanda kana uchienda nemashoko mazhinji. Asi nguva refu haisi nguva yakanakisisa pfungwa. Kana uchitanga, ungada mari yako isati yapera. Kana iwe uchikwevera mari yako kunze kwekutanga (iyo inenge nguva dzose inosarudzwa, asi mune zvisingawanzoitika, mabhangi nemabvumirano emakero vakaramba zvikumbiro izvi), iwe uchafanira kubhadhara kutanga kwekuregererwa chirango .
Chirango ichocho chichadya mune chero chaunofarira chawakagamuchira-uye chinogona kutodya mudhipatimendi yako yekutanga. Nokuda kwechirango ichocho, iwe uri nani pane kuchengeta mari yako munhoroondo yekuchengetedza kana uchida kuitsva nokukurumidza.
Mazuva okukura: Pakupera kwemazwi ako eCD, CD "yakakura" uye iwe unofanirwa kusarudza zvokuita.
Sezvaunoswedera kumagumo eCD, bank yako ichakuzivisa kuti CD yako iri kuda kukura, uye ichakupa zvisarudzo zvakawanda. Kana iwe usingaiti chinhu, kazhinji mari yako ichadzorerwa mune imwe CD iyo yakafanana neyoyo iyo yakangokura.
Somuenzaniso, kana uri mumwedzi weCCD matanhatu, ivo vachakuisa mune imwe mwedzi CD. Cherechedza kuti chikwata chekufarira chinogona kunge chapamusoro kana chakaderera kupfuura chiyero chawaimbowana-hapana chivimbo chokuti iwe unogona kuchengeta chiyero chakafanana.
Kana iwe uchida kuita chimwe chinhu kunze kwekudzorerazve muCD itsva, unofanirwa kubvumira bhangi rako kuzivei musati ravandudza zuva rekupedzisira. Iwe unogona kutumira mari kuhomwe yako yekuongorora kana kuti yekuchengetedza, kana iwe unogona kuchinja kune CD yakasiyana kwenguva refu kana shoma.
Nzira Yokutanga Kushandisa CDs
Kuti uise mari muCD, taura nebhangi rako kana chikwereti chebato.
Mazhinji mabhangi-kunyanya mabhengi epaIndaneti-tsanangurai zvaunogona kuita uye uite kuti iwe uite mari yekuisa mari paIndaneti. Iwe unogonawo kudana kushanda kwevatengi, kana kutotaurirana nebhangi uri munhu.
Tsanangura kuti ungada kuisa mari yakawanda sei, uye kubvunza pamusoro pekutanga kubvisa chirango uye zvimwe zvekushandisa CD. Bhengi inogona kunge iine mamwe maCD ezvinyorwa zviri nani zvakakunakira iwe, pasinei nokuti dzinopa mazinga akakwirira, kuwedzera kushanduka, kana zvimwe zvinhu.
Kana uchinge waendesa mari muCD, uchaona imwe nhoroondo yekutaura kwako kana dashboard iri paIndaneti. CD dzinogona kuitanidzwa munenge chero ipi zvayo yenyaya, kusanganisira mabhuku ezvokuchengetedza mari (IRAs) , mabhuku akabatana, matariro, uye kuchengetedza maakaiti .
Nzira dzekushandisa maCD: Ladders uye More
MaCD emakore akawanda anowanzoita seanoyemura kupfuura maCD mashoma kwenguva refu nokuti anobhadhara zvakawanda. Zvisinei, havasi nguva dzose chisarudzo chakanaka. Semuenzaniso, CD yemakore mashanu inovhara mari kwenguva yakareba-zvakaoma kufanotaura kana iwe uchada mari iyo mumakore mashanu.
Uyezve, kana iwe uchitenga CD kana chikwereti chiri pasi, unogona kuzvivhara muCD inowiripa kwemakore mashanu anotevera-zvakadini kana zvikwereti zvekuda (uye saka CD mazinga ) zvichikwira mugore rinotevera kana maviri? Iwe unogona kunge uri nani kubva kushandisa ma-CD shomanana anotsvaga nemitengo yakakwirira.
Kana iwe uchida kushandisa ma-CD kwenguva refu, chengorora mazano ekukubatsira kuti uwedzere kuponesa kwako. Inonyanya kukoshesa vashandi vatengi veCCD vanoshandisa makera: Tenga CD dzakawanda dzakasiyana nemazwi akasiyana kuitira kuti uve nemari inowanikwa nguva dzose. Migwagwa inokubatsira kuti urege kuvhara mari yako yose muCD yakabhadhara, uye inokubatsira kuti urege kubhadhara kare nekubhadhara chirango. Kuti uwane mamwe mashoko, verenga kuti ungashandisa sei maCD .
Imwe nzira yekuzvidzivirira ndeyokushandisa maCD anopa kuchinja. Vanogona kukubvumira kuti:
- Buda nokukurumidza usingabhadhari chero chirango.
- "Bump up" chikwereti chaunofarira kusvika kune imwe yepamusoro, kutora mitengo inomuka.
Sezvaunogona kutarisira, maCD ane humwe hutsika hunoita kuti kuderedza kuwanikwa kwechibereko .
CD kuchengetedzwa
Sezvo kusvika kune chekuchengetedza chiripo, maCD akafanana nemari mune mari yako yekuchengetedza kana kuongorora kero . Kufunga kuti mari yako iri FDIC-inishuwarenzi (kana yakavharwa pasi peNURUA inshuwarheni kana ukashandisa chikwereti chebato ), une chivimbiso chehurumende. Hurumende yeUnited States ichaita kuti iwe uwane mari yako yese shure kana bhanhire rako richienda kumimba-mudenga. Ndizvo zvakachengeteka sezvaunogona kuwana.
Nekutsvaga kupi zvako, unofanirwa kusarudza pakati pengozi uye mukana wemubairo. CD dzinowira pamusana pangozi, pfupi-yekudzoka kuguma kwemitambo. Iyo inzvimbo yakanaka yekuchengetedza mari yausingagoni kukwanisa kurasikirwa nokuti unoda kuripedza mumakore mashomanana anotevera. Kana iwe usingashandisi mari kwemakumi emakumi emakore, chengetedza zvimwe zvikwereti pamwe neCD pane zvinangwa zvako zvemazuva mazhinji.
Kana iwe uchizoisa mune maCD, iwe pachako unoda kuwana mari yakakwirira kupfuura inogona. Kana pane chero CD yakapiwa (mwedzi mitanhatu yemavhidhi ye $ 1 000, somuenzaniso) mabhandi akasiyana-siyana uye zvikwereti zvekwereti zvinopa maitirwo akasiyana-siyana . Kuti uwedzere APY yaunowana pamari yako, shandisa mazano uye michina inofanirana nezvinangwa zvako, uye utengese.
Kusvika papi?
Iwe unotoziva kare kuti maCD akawanda kwenguva refu (asi kwete nguva dzose) anobhadhara kudarika maCD mashoma. Izvi zvinoreva here kuti iwe unofanira kugara uchisarudza maCD kwenguva yakareba kuti uwedzere mari?
Kwete hazvo. Mukuwedzera pakuchengeta mari yako yakavharwa apo iwe ungachidikanwa, maCD akawanda kwenguva yakareba angakonzera kuti urege kurasikirwa kana mutengo wemari uchikwira. Kana ukagamuchira mari yemari yaunoda kuisa muCD, kudzoka kwaunowana kunoenderana nekukwirira kwerudzikinuro zuva raunotenga CD yako. Kana zvikwereti zvinoderera zvakanyanya, kunyange kunyange maCD akawanda kwenguva refu achabhadhara zvishoma-uye iwe uchavhara murombo udzoka kwemakore anoverengeka ari kuuya.
Hazvigoneki kuita nguva zvachose zvakakwana, asi zvakakosha kubhadhara kune zvido zvezvibereko zviri kuitika nekuita mamwe mafungiro pamusoro pekuti ramangwana rinogona kuitika sei. Iwe unogona kufungidzira zvakaipa, saka iva nechokwadi chekuvhara mabheji ako. Zvakare, maCD anokubatsira kuti udzivise matambudziko anobva pakufungidzira zvakaipa kuburikidza nekuparadzira matanho ako okukura uye kukupa nzira yekutevera.
Kana iwe uchidavira kuti chido chekufarira chikapamhi uye kuti ivo vanongodonha, maCD kwenguva yakareba angangwara. Ingoyeuka mupfungwa kuti hazvigoni kufanotaura remangwana.
Aina dzeCDs
CD dzinouya nenzira dzakasiyana-siyana. Mabhandi nemakambani emakwereti vanoramba vachipa hutsva hutsva kune vatengi. Tsika, unogona kutsanangura CD pane zvinotevera:
- Iine chiyero chakatarwa chisingachinje.
- Iwe uchabhadhara chikwereti kana iwe ukasununguka mangwanani.
Hazvisiri izvo.
Liquid CDs (kana kuti "hapana chirango" CD) inokubvumira kubvisa mari yako panguva chero ipi zvayo usingabhadharisi kurangwa kwokutanga. Iko kushanduka kwemaitiro kunokubvumira kuti uve wakasununguka uye uendese mari yako kune CD yakabhadhara mari kana mukana ukamuka.
Kana iwe uchigona kudzivisa kubhadhara chirango, nei iwe usingagoni kushandisa maCD emvura nguva dzose ? Kusununguka kunouya pamutengo: Maidhi maCD anobhadhara chikwereti chakaderera chinopfuura maCD iwe wavharwa mukati, zvimwe zvinhu zvose zvakaenzana. Izvozvo zvinonzwisisika kana iwe ukatarisa zvinhu kubva kubhangi maonero azvo-vari kutora dambudziko rose. Kunyange zvakadaro, kana uine chivimbo chokuti mutengo uchakwira nokukurumidza, uye iwe unozove wakarurama, kuwana mari shoma kwenguva pfupi kungave wakakosha kana iwe ukwanisa kuchinja kusvika kumazinga akakwirira gare gare.
Kana uri kufunga nezvekushandisa CD yakasvibirira, ita nechokwadi kuti unonzwisisa zvipingamupinyi. Paunenge uchinakidzwa nekugadzirisa zvimwe, chigadzirwa chacho chingave chisiri nyore sezvaunofunga. Dzimwe nguva unongowanikwa kune apo iwe unogona kukwevera mari, uye pangangodaro kuve nemiganhu yekuwanda kwaunogona kutora chero nguva ipi zvayo.
Bump-up CDs inopa rubatsiro runofanana nemaCD emvura: Haugoni kubhadharwa nekutsika kwakaderera kana mutengo wemari uchikwira mushure mekutenga CD. NeBump-up CD, unosvika kuti uchengetedze kero yako yeCCD iripo uye uende kune imwe itsva, yakakwirira (uchifunga kuti bhangi yako iri kupa mazinga akakwirira). Kuti uwane bump-up, iwe unofanirwa kuudza bhangi yako kuti unoda kushandisa bump-up yako. Kana iwe usingaiti, bhangi rinofungidzira iwe unonamatira nehuwandu huripo. Iwe hauna kuwana zvigaro zvisingagumi, saka zvichida iwe wakamirira mahara kuti uende kumusoro.
Bump-up CDs, kufanana nemaCD emvura, anotanga kubhadhara chikwereti chinoderera pasi pane maCD. Kana zvikwereti zvichikwira zvakakwana, unogona kubuda mberi. Kana maitirwo akagara akawandisa kana kuwa, iwe ungadai uri nani pane CD yakazara.
Brokered CDs ndeimwe imwe nzira. Dzimwe nguva vanopa maitirwo akanaka, uye dzimwe nguva uri nani pane kuenda kumabhanki ako kana chikwereti. Brokered CDs iCD dzinotengeswa mumarikiti yekwereti . Panzvimbo pokuvhura nhoroondo pabhangi uye kushandisa sarudzo dzavo dzeCD, unogona kutenga CD dzakabva mabhanga akawanda uye unozvichengeta zvose panzvimbo imwe. Izvozvo zvinokupa humwe hutano hwekusarudza nekusarudza, asi kuputsa CDs kunouya nezvimwe zvinetso. Kana uchitanga, iwe unoda kuva nechokwadi chokuti bhangi chero ripi raunenge uri kufunga ndeye FDIC inotsigirwa -CDs pasina inshuwarheni inogona kubhadhara zvakawanda (hazvishamisi), kuitira kuti vangafungisisa. Uyezve, kubuda muCD yakatanga kupera kunogona kunge kwakaoma. Kuti uwane mamwe mashoko, verenga Sei Brokered CDs Inoshanda .
Shop Around
Kana iwe uchida kuchengetedza neCD, unogona kuzviita chero kwaunenge uchitarisa uye kuchengeta maakaiti. Zvisinei, iwe unogona kuita zvishoma zvishoma kana iwe wakatengesa. Zvichida kana kuti hazvina kukodzera kushandisa nguva yekutenga zvichange zvichienderana nekuwanda kweiwe iwe unogona kuwana (hapana chikonzero pakuzarura kambani itsva kana iwe ukangowana mari inopfuura $ 7 pamusoro pegore-nguva yako inokosha kupfuura iyo).
Tarisa nzvimbo dzekutengesa: Kuti uwane maitiro akanaka, tsvaga "specials" kubva kumabhenji emunharaunda uye zvikwereti zvemari. Izvozvo zvinogona kuonekwa mumashambadziro ari paIndaneti kana munhau dzemunharaunda. Apo mabhengi nemakambani emakwereti vanoda kukwezva mari, vanopa zvikwereti zvakadzama zvekuda kutora pfungwa dzenyu. Sezvo nguva dzose, yeuka kuti kana chimwe chinhu chichiita sechinyanyisa kuve chechokwadi, iwe hausi kuwana nyaya yakazara. Gara neDICIC-zvigadzirwa zvehupfumi (kana kuti NCUSIF-mabhizinesi akachengetwa kana uri kushandisa chikwereti chechikwata ).
Endai paIndaneti: Tarisai maitirwo e -internet-mabhanga chete zvakare. Sezvo mabhanki eIndaneti asina hutano hwakafanana sezvivako-uye-matunhu emasangano, vanogona kupa zvikwiriso zvakakwirira (ndicho chimwe chezvikonzero zvebhengi rekutsvaga ).
Ingotanga kubvunza: Pakupedzisira, usatya kutya kubvunza bhengi wako kuti uwane nani. Kunyanya kana iwe ukashanda nebhangi duku kana chikwereti mari uye ukaita bhizimusi rinokosha navo, unogona kukwanisa kuwana zvishoma.