Zvinotora Nguva Yakadii Kutarisa Kuti Udzidze?
Kana uchitanga, usafunga kuti uri kunyatsojeka, kunyange kana bhangi yako ichikuita kuti upedze mari kubva pane imwe mari.
Mariko Availability Mitemo
Bhengi yako inokubvumira kushandisa mari kubva pane yakawanda inopedza nguva pfupi mushure mokuisa cheki.
Asi izvi hazvirevi kuti cheko rakanaka kana kuti bhenji yako yakagamuchira mari kubva kune rimwe bhangi.
Mabhangi anodikanwa nomutemo kuti aite chikamu chemari yako yawanikwa kwauri. Kunze kwekune zviratidzo zvakajeka zvekubiridzira (kana mamwe matambudziko), mabhangi anotevera mari yekuwana mari , iyo inotaura kuti iwe ungakurumidza kushandisa sei mari yako. Mune zviitiko zvizhinji, $ 200 yokutanga kubva kuongororo yega inowanikwa mukati mezuva rimwe, uye bhenji yako "inobata" yakasara kwemazuva mazhinji mamwe mazuva.
Zvinogona kubatsira kubatsira mapoka maviri akasiyana kuti unzwisise apo iwe unogona kushandisa mari:
- Mamiriro ezvinhu akadai , kana iwe usina chikonzero chokuzvidya mwoyo nezve cheki yawaisa
- Mamiriro ezvinhu anotyisa , kana iwe usingazivi kana usingavimbi munyori wecheka
Zvinotora Nguva Yakadini Kuti Chengetedze Kuchenesa?
Checks inowanzoita mazuva maviri kusvika matatu matanho ebhizinesi kuti ibvise. Mabhangi anoita mari iripo zvisati zvaonekwa kuti zvakajeka, asi pane mamiro ekuwandisa kwaungaita kana kupedza.
Muzviitiko zvizhinji, 100 muzana yemari ichave irikurumidza kukurumidza kupfuura iyo bhengi rekubata kwako mutemo inobvumira.
Ndiro dambudziko rako: Iwe unogara uine mhosva yekuisa mari yaunenge waita muakaunti yako. Kunyange kana bhenji yako ichikuendesa kurega nemari kana kutumira mari kunze, iwe unogona kutora mari iyoyo zvakare mushure mekunge chengeteredzwa chekuchechechedza.
Tsanangura "kujekesa": Izwi rokuti "zvakajeka" rinogona kuvhiringidza, uye vashandi vebhangi vanogona kukuudza cheki yakabviswa isati yakwana. Kuti ugare wakachengeteka, tsvaga kunyatsoziva kana mari inoshandiswa kubva kubhangi yemunyori chekuongorora iwe kubhangi yako. Kana izvozvo zvichiitika kubudirira, kwaiva nemari yakakwana mubhuku rekuongorora chekuongorora, uye cheki yakanga isiri pachena yakaipa.
Nhare yako iripo: Cheketi haisati yabviswa chete nokuti mari inowanika munhoroondo yako . Zvakare, mutemo wezvematongerwo enyika unoda bhengi rako kuti riwane mari yako mune imwe nguva yenguva (ingave kana kwete mari yakasvika yakabva kune rimwe bhangi).
Apo paine kusava nechokwadi
Saka iwe unoitei nezvekutarisa iwe uri kunyunyuta? Zano rakanaka nderokudzivisa kutora kana iwe uchinetseka pamusoro pekubhadhara (ona pasi apa kune mazano uye dzimwe nzira), asi haisi nguva dzose.
Mazuva makumi matatu: Kana usina mubvunzo, kumirira kwemazuva makumi matatu kutanga kwakanaka. Zvipingamupinyi zvizhinji zvinomuka munguva iyoyo. Cheki kubva kuakabheti asina kukwana uye mabhuku asina chinhu anofanirwa kuputika mukati memavhiki mashomanana, achikupa nguva yekudzivirira zvikwereti nebhangi rako. Kana cheki yacho inobva kubhengi rekunze, tarisira kunyange kwenguva refu. Kana pane dambudziko nechekare chekuongorora, unofanirwa kunzwa nezvayo mukati memazuva makumi matatu mumatambudziko mazhinji (asi kwete ose).
Iwe uri zana muzana yakachengeteka mushure mekunge mari inokanganisa kero yako kana mushure mememazuva makumi matatu? Kwete hazvo. Semuenzaniso mumwechete, muiti wekambani anokwanisa kutora kuti cheki yakanyorwa kubva kubhuku rayo nekunyengera. Kunyange zvazvo cheki yacho yakabviswa, bhenji rako richadzorera mari kune mwene akakodzera (uye iwe unofanirwa kuziva kuti ndiani akakutsvaga).
Zvimwe Zvinyorwa Pamusoro Pengozi Yako
Iwe uri kutora njodzi dzakasiyana-siyana chero nguva iwe uisa cheki kuakaunti yako.
Zvimwe zvezvipingamupinyi hazvina maturo, asi zvimwe zvakakosha.
Dambudziko guru nderokuti iwe uchashandisa mari yausina nayo nokuti bhenji yako inokuita kuti uite saizvozvo. Mabhanji haakuiti iwe kumirira mari kuti uende kubva kubheki nyori yechenki. Pane kudaro, bhenji yako inofunga kuti cheketi yakanaka: Unogona kushandisa mari yako kubvisa mari, shandisa bhadhi yako yebhadharo, uye ubhadhara zvikwereti paIndaneti.
Mabhangi anoita izvi pamwe chete sechiito chebasa revanhu, uye chikamu nokuti vanodikanwa.
Nhamba yepamusoro yepamusoro: Kana cheki isinganzwisisi chero chikonzero chipi nechipi, unofanira kudzorera bhadha yako nemari ipi yaunoshandisa. Izvozvo zvinoshungurudza zvishoma kana iwe uine mari yakawanda (iwe uchange uine zvishoma), asi inogona kuva dambudziko rakakomba kana akaunti yako iri kutsika pasi. Dhipatimendi rakadzoka rinogona kuunza kambani yako kune yakaipa, izvo zvinoreva kuti zvose zvaunotora zvinowedzera kusvikira iwe uchigadzirisa dambudziko.
Iwe haugone kushandisa kadhi yako yekutengesa kwekutenga, uye chero cheki iwe wakanyora mumazuva mashomanana apfuura ichadzorerwa usina kubhadharwa.
Kazhinji nyaya: Pose paunoisa cheki iwe usina chokwadi, nyatsocherechedza kana iri cheki chikuru. Cashier's check scams inoshanda nekuda kwekuvhiringidzika pamusoro pekuti kana kuongorora kuchijekesa, uye kazhinji hapana chaunogona kuita kuti uwane mari yako zvakare.
Mitero: Mukuwedzera pakuzviwana uri munharaunda isina kunaka, iwe unobvisawo mari yekubhadhara mari yakawanda yebhangi kana iwe ukaisa cheki chakaipa. Bhengi yako ichabhadhara mari yekuda mari yakakwana, uyewo mari inogona kuwedzerwa . Vanhu kana mabhizinesi avo munonyora zvakaipa checks kuti vakupireiwo mari.
Kuvhiringidza Mhinduro Kubva Kubhadhara Yako
Wakachenjera kubvunza bhanki yako kana kuti kwete cheketi yakabviswa, asi izvi zvingave zvisina kubatsira sezvaungatarisira. Vashandi veBhangi vanowanzofunga kuti iwe unongoda kuziva apo iwe unogona kushandisa mari iri pasi pekubata . Havana kuziva chaizvo kuti zvinetso zvenyu ndezvipi, uye dzimwe nguva havazivi kunyange kuti cheki dzinogona kupedza nguva refu mushure mokunge dzaiswa.
Vatengi vakawanda vakataurirwa kuti cheki "yakagadziriswa," kuti uone kuti gare gare cheko rinoputika. Kana zvinhu zvichienda zvakasviba, haisi dambudziko rebhangi kana dambudziko remutauriri-ndiro dambudziko rako.
Kana iwe uchida kuongorora kana cheketi yakabviswa, tsanangura zvinetso zvako kune umwe munhu mubhangi. Zvakanakisisa kutaura nemumwe munhu waunovimba naye uye unoziva akakwanisa. Taura nemutungamiriri kana kuti shanyira bazi mumunhu kuti uve nechokwadi chokuti hapana mhirizhonga.
Alternatives to Checks
Kana iwe unonetseka nekutema cheki , bvunza kubhadhara nenzira dzakasiyana. Zvichida nzira yakachengeteka yokubhadharwa ndeyokutengesa kutsva . Mari yacho inongoratidza chete kana ichinyatsovapo, mutengo wacho haugone kuchinjwa, uye kune mamwe mapepa kana magetsi ezvo kutevedza mutemo kutevera, kana zvichidiwa. Iwe unogonawo kukumbira chekuchengeti checashier kana kuti mari yemirairo -zviratidze kuti mbavha dzinowanzoshandisa zvinyorwa zvinyengeri, kuitira kuti iwe unogona kupinda mumatambudziko mamwe aungave nawo nekutarisa kwakaipa .
Iwe unogonawo kuedza maitiro matsva ekubhadhara, sezvibvumirano uye zvishandiso zvepaIndaneti. Nheyo dzakadai sePayPal dzinokubvumira kuti uwane mari kubva kune vatengi neshamwari. Zvisinei, iwe unofanirwa kutsvakurudza kana kana kwete izvo zvikwereti zvingashandurwa, uye pasi pemamiriro api. Semuenzaniso, Venmo kunoshamwaridzana kunozivikanwa neInternet con artists vanoshandisa basa kuti vawane zvinhu zvepachena.