Iwe Unoda Kukurumidza Sei Kuita Mari Inotarisa?
Cheketi dzakanyorerwa kwauri: Kana usina chekuongorora-hurumende yakabhadharwa kana cheketi yakagadziriswa, kuchenjera kuisa cheki mumwedzi mitanhatu. Mushure maizvozvi, iwe unogona kuda kukumbira chekiti yakabudiswa zvakare.
Kuita saizvozvo kunodzivisa kupesana pabhangi uye rega munyori anoona kuti iwe wagadzirira kuunganidza mari yako.
Cheki iwe unonyora: zvakare, mwedzi mitanhatu mutemo wakanaka wegumbo. Kana mumwe munhu asingakwanisi kuisa kana kutenga cheketi yawakanyora , ivo vachava nenguva yakaoma kutaurirana cheki pashure pemwedzi mitanhatu. Zvisinei, iwe uchiri kukwereta mari yacho, uye mabhenji angashandura cheki chero zvakadaro. Kana iwe ukanyora kutarisa kwekutsvaga, kuchenjera kukumbira kubhadhara kwekumisa pane cheki chekutanga.
Inguva Yakareba Ndeipi Yakanaka Kwazvo?
Munzvimbo dzakawanda, cheki yakanaka kune mwedzi mitanhatu. Asi kune zvakawanda zvisiri izvo, uye hapana chivimbo chokuti mabhanki acharamba kutarisa mushure megore iroro. Sangano reUnited Commercial Code (UCC), iyo inonyanya kushandiswa semuenzaniso wemutemo wehurumende, inoti mabanki haafaniri kukudza chekare chekare, asi vanogona kuzviita mune mamwe mamiriro ezvinhu.
Pakupedzisira, zvinoenderana nerudzi rwecheki inobatanidzwa uye mazano ebhangi.
Aina dze Checks
Kuongororwa kwevanhu pachavo kunowanzobvumirwa kwemwedzi mitanhatu mushure mezuva rakanyorwa pane chekuongorora . Asi mabhangi angasaona zuva racho, kana angasarudza kugadzirisa tsvakiridzo dzepamusoro dzevatengi.
US Treasury chengetedza, zvakadai sesangano rezvemari inotora mari, inobatsira kwegore rimwe mushure mekubuda. Kana uine chekare chekare, unogona kutaura nehurumende inokubhadhara mari uye inorayira kuchinja.
Hurumende uye hurumende inotarisa inogona kupera apo chero mutemo wenyika unobvumira. Bata mahofisi emunharaunda kuti uwane mamwe mashoko, kana kukumbira shanduro yekutsvaga.
Cheki chekuchechechedza zvakaoma , uye mutemo wenyika unobata nguva yakareba yei checks iyo yakanaka. Zvisinei, mabanki mazhinji haazobvumi cheketi yekodashi yekuisa mari mushure memazuva makumi mana nokuti bhengi rinotora rinogona kudzorera cheko risina kubhadharwa mushure mekunge. Kana uine cheki iyo inopfuura mazuva makumi mapfumbamwe apfuura, taura nebhangi rinobvisa kuti uwane cheki itsva.
Mirairo yemari kazhinji haiiti. Asi mari yekupa mari inogona kutanga kutengesa mari yehutano nehutano hwemari, kukanganisa kukosha kwayo uye pakupedzisira kuchiita isina chazvinobatsira. Semuenzaniso, Western Union inopomerwa mari yekubhadhara mari mushure megore rimwechete (kana makore matatu, zvichienderana nemitemo yehurumende), saka haugone kungoisa mari yekare. Pane kudaro, iwe unogona kutaurirana neunobhadhara kuti uwane chero chinosara kukosha. Vamwe vanobudisa mari havabhadhari mari, asi vanofanira kupedzisira vashandura zvinhu zvisina kupiwa pamusoro pehurumende. Batirana nemari yekupa mutevedzeri wemashoko-zvingave zvakaoma. Semuenzaniso, mitemo ye USS yemari yakanaka nguva dzose, asi mari yepasi rose inorayira.
Cheki chekufambira hachifi kana kurasikirwa kukosha kwenguva. Chero bedzi mutapi ari achiri mubhizimisi, unogona kushandisa cheki.
Kumirira Is Risky
Iwe unogona kunge une zvikonzero zvako zvekubata pane cheketi yakanyorerwa iwe, asi zvakanakisisa kuisa kana kuongorora cheko pakarepo kana uine nzvimbo yakachengeteka yemari.
Akavhara maakaiti: Pakupedzisira, munhu kana bhizinesi iyo cheki inobva kunogona kushandura mabhenji. Kana iwe ukaisa cheki kubva kuvhareji yakavharwa, cheko ichachera, uye bhenji yako ichakubhadhara mari yekuedza kuisa chekuita chakaipa.
Mari dzisina kukwana: Kana mumwe munhu akakubhadhara nekoke, vanotarisira kuti iwe uise cheko chekurumidza. Zvichida, vane mari inowanikwa apo vanonyora cheki, asi izvozvo zvinogona kuchinja. Havana kutarisira cheki kuti inorove account yavo mwedzi mitanhatu gare gare, kuitira kuti vangave vasina mari yakatarwa pamubhadharo wenyu zvakare. Zvakare, kana cheko ichikwira, iwe uchabhadhara mari.
Rega kubhadhara: Kana mumwe munhu ane hanya nezveseke yekurasikirwa, vangangosiya kubhadhara pane cheki iyoyo.
Bhengi ravo richaramba mari yako, uye ichadzorera kubhengi rako risina kubhadharwa. Izvozvo zvakati, rega kubhadhara chikwereti chimwechete kana zvingashanda iwe muchidimbu chengetedza chekuongorora-nokuti kurega kubhadhara mitemo zvinozopera.
"Inotora Pashure Pemazuva 90"
Checks dzimwe nguva vanoti vanongodaro kwemazuva 90 (kana mazuva 180). Chero kana kwete icho chiremera chinoshanda chinoenderana nezvimwe zvinhu zvikonzero. Bhengi yako inogona kusarudza kusazvidza mirairo iyo nekuita cheki chero zvakadaro (mamwe matare akawana zvinyorwa zvisingashandiswi, asi usatarisira izvozvo mumamiriro ezvinhu ose). Kunyange zvakadaro, iwe unenge uine huchenjeri kukudza mutauro chero upi zvake cheki-chengetedza cheko chechimbichimbi kana kubvunza munyori wecheka kana iwe usingakwanisi kurova musi wekupedzisira.
Inokuchechedza Iwe Kunyora Kupera?
Apo iwe unonyora cheki inopera isina kukwana, unganetseka kuti ungaitei. Iwe uchiri kukwereta mari yacho, kunyange kana pasina munhu anotaura kubhadhara. Mune zviitiko izvi, zvakanakisisa kuchengetedza mari iripo munhoroondo yako kwemwedzi mitanhatu. Mushure maizvozvo, siya mari yacho moga kana kuiisa pane imwe nzvimbo kwezuva risingaverengeki raunofanira kuita zvakanaka pamubhadhara. Yeuka kuti bhangi ringagamuchira mari yacho uye edza kubvisa mari kubva ku-akhawunti yako chero nguva.
Zvinosuruvarisa, haukwanisi kuchengetedza mari yaunokwereta kune mumwe munhu nokuti vanokundikana kuisa cheki. Pane imwe nguva, iwe unogona kuisa mari yacho kune iyo nyika kuti uchengetedze. Bvunza vatungamiri pamusoro pemitemo yekutsvaga kwemunharaunda kuti zvive zvakakwana.