Iyo FDIC Inoshandisa Sei uye Zvakafukidzwa

Chii chinonzi FDIC inshuwarheni?

FDIC inishuwarenti inokuchengetedza kubva pane kurasikirwa kana bhanhire rako richienda kumimba-up (uchifunga kuti mari yako iri mubhagheni reIcic-insured, uye mari yako iri pasi pemiganhu yakareba).

Iwe unogona kufunga nezvebhangi senzvimbo yakachengeteka yemari yako - uye ichokwadi - asi mabhangi anokweretesa mari yako ndokuiisa kuti iwane mari. Kana zvikwereti izvozvo zvikaoma (izvo zvaive njodzi huru munguva yekutengesa mari ), chii chinoitika kumari yako?

Kana iyo nhoroondo yako yakazara inshuwariti, uri muchitarisiko chakanaka. I FDC ichakugonesa nekuisa mari kana kutumira mari kwauri. Zvisinei, kune mitsara pane kugoverwa kweDICIC: mamwe marudzi eakaiti haasi inshuwarisi, uye iwe unogona kungovhara kusvika $ 250,000 ne "depositor" pamabhangi. $ 250,000 inopfuura yakakwana kune vazhinji vedu, asi unogona kuwana kuwedzerwa kune rimwe bhangi zvichienderana nekuti mabhii ako akanyorwa sei.

The FDIC

FDIC inomirira Federal Deposit Insurance Corporation sangano rehurumende rinotarisira kubhengi uye kuchengetedza vatengi. FDC inshuwarirwo inotsigirwa nekutenda kwakakwana uye chikwereti chehurumende yeUnited States (kunyange pane imwe nharo kuti iyi inongova chivimbo chaicho). Mune mamwe mazwi, mari yeUnited States inogona kuita seastersopop kana FDIC isingakwanisi kutora mari yako yehupfumi.

Nenzira yakanaka, US Treasury haina kumbobvumirwa kubhadhara FDIC inshuwarisi - mabhenji pachawo anozadza mari yehushuwarisi nekubhadhara mari yemaimari muhomwe.

Kusvika ikozvino, hakuna munhu akarasikirwa nehupfumi chero ipi zvayo yeDICIC mubhengi rakakundikana.

Kana bhanhire rako richikundikana, FDC ichabatanidzwa, kazhinji inofambisa kutora nebhasi rakasimba. Mune dzimwe nguva, kukanganisa kwebhangi kunopfupi uye kusingabatsiri kune vatengi - cheko dzako hazviiti, unogona kuenda kuATM uye unoshandisa kadi yako yebhadharo pasina kukanganiswa, uye mabhiriro ako anoramba achibhadhara pamagetsi.

Iwe unogona kunge wakamirira mazuva mashomanana (kana kunyange masvondo) kuti ubvise mari, asi hazvishamisi kuti unofanira kumirira zvachose.

Nemhaka yeDFIC inshuwarheni, haufaniri " kumhanya pamabhangi " kana kuedza kubvisa mari yako yehupfumi kunze kwekuti bhanhire riende pasi. Zvisinei, iwe unoda kuva nemari yemari inowanikwa mune imwe nzvimbo kana kucheneswa kunotora zvinopfuura zuva kana maviri. Uyezve, kana iwe usina mari yakasimbiswa mubhangi (nokuti iwe unopfuura zvinodarika chikamu), uri kutora ngozi.

Kuti uve nechokwadi chokuti wakavharwa, ona kana bhangi yako FDIC yakavimbiswa (yakawanda iri, asi zvakakodzera kuongorora).

Zvikwereti zvekodheni hazvifukidzwi neDFIC inshuwarisi. Panzvimbo pezvo, vanowana humwe hurumende yakatsigirwa nehurumende pasi peNCUSIF . Dzidza zvakawanda nezvekuti zvikwereti zvekwereti zvinoshanda sei.

Chii chakavharwa (Chii chisina kuvharwa)

FDIC inishuwarenzi inoshandiswa pamabhadharo emabhangi akavharwa , kusanganisira:

• Checking accounts
• Savings accounts
• Zvitatimiti zvekuisa (CDs)
• Mari yemarike yekodha (asi kwete mari yemusika mari )

FDIC inshuwarisi haifaniri kuvhara:

• Zvokuchengetedza kuchengetedza bhokisi zviri mukati
• Kuita zvekutsvaga kwakadai sekubatana kwemari, mashizha, zvisungo, nevamwe
• Inishuwarenzi yemishonga inosanganisira (asi isingatarisirwi) annuities

Zvinhu zvakasarudzwa hazvibvumirwi kuti zviripo - kunyange iwe ungave wakazvitenga kubva kubhizimisi (kana kuti iwe wakanga uri mumubiri).

FDIC inshuwarheni haifaniri kuvhara kubba, zvichida nekuda kwekubiridzira munhoroondo yako, kubavha kwekuziva, kana kubavha kwebhangi. Zvisinei, mabhengi akawanda anovimbisa kupamba (uye havazorasikirwi zvakanyanya ). Mutemo weBurumende unodzivirira kubva kune unyengeri hwakawanda uye kukanganisa munhoroondo dzako, asi iwe unofanira kuita nekukurumidza kuti udzivirire zvakakwana .

Coverage Limits

FDIC inshuwarisi haisi yemiganhu. Kana iwe uine mari yakawanda mubhangi iwe unogona kunge uchisiya uri pachena. Ikokudzivirira kweDICIC kwakanaka kusvika kusvika ku $ 250,000 pamubhadhadha wega rega pabhangi. Kana iwe uine zvinopfuura izvi mubhengi rakakundikana, FDC ingasarudza kuvhara kurasikirwa kwako, asi hapana chivimbiso chekuita.

Iyi miganhu inoparadzaniswa nebhangi rimwe nerimwe raunenge uchitarisa. Mune mamwe mazwi, unogona kuwedzera FDIC yerubhadharo inowanikwa kwauri kuburikidza uchishandisa mabhanga akawanda (kana nekugadzirisa maakaunti ako zvakanaka mukati memubhangi rimwe).

Kuti uwane mari inodarika $ 250,000 pane rimwe bhangi, kuparadzira mari yacho pakati pevana vakasiyana-siyana kana "kunyora." Semuenzaniso, mari mubhadharo yako yega inotengesa yakasiyana nedzimwe muhomwe yako yekubvisa mari (IRA). Kuti uone kana zvinhu zvako zvakanyatsogadzikana pasi pemiganhu yakawanda yekugoverana, shandisa yeAlectric Deposit Insurance Estimator (EDIE).

Somuenzaniso, zvakadini kana iwe uine $ 250,000 mu-akhawunti yako pachako uye $ 250,000 mune rimwe rega rako rekubvisa mari (IRA) mubhangi rimwechete? Kunyange zvazvo zvingaita sokuti uri kupfuura $ 250,000 muganhu, iwe wakazara zvakazara nekuda kwekuti mabhuku ako akanyorwa sei (kunyange iwe urikusimudzira - kana iwe uchinge wawana chikwereti chezvikwereti mumabhuku iwayo iwe uchaenda kune chikamu uye wako rubatsiro rwekuwana ruzivo ruchava pangozi). Trust accounts zvinogonawo kuwedzera muganhu wako wose mukati mebhangi rimwe.

Maximizing Coverage

Kuti uwedzere kugovera kwako, shandisa nzira dzokuparadzira mari yako pakati pemabhangi akasiyana uye kunyorwa kwakasiyana. Kana uine mari yakakwana iwe uri pangozi, saka zvakakosha kushandisa nguva yekuzvidzivirira kana kuva nemumwe munhu achikuitira iwe.

Nhatu nzira dzinosanganisira:

1. CDARS inzvimbo yebhanki inokubvumira kuparadzira mari yako . Iwe uchazarura kambani nebhangi imwe (zvichida bhenji rimwe chete raunoshandisa iko), uye, kana bhanhire richibatana muCDARS, mari yako inoenda kune dzimwe mabhizinesi eDICIC akachengetedzwa. Iwe uchagara pasi pekugoverwa kwemiganhu pabhangi rimwe nerimwe, uye iwe uchaona zvinhu zvako pane imwe chirevo. Kumbira bhanki yako kana CDARS inosarudza.
2. Brokered CDs inopiwa nemugoveri wezvemari (zvakadai semudzidzisi wezvemari). Nokutenga FDIC CD dzakachengetwa kubva kumabanki akawanda mubhuku rekubhadhara kwako, unogona kugara pasi pekugoverwa kwemiganhu.
3. Titling zvikwereti: kana iwe ukaenda pamusoro pemiganhu yekuvhara kune rimwe bhengi, funga kuchinja musoro kana kubhadhara maakaunti ako. Izvi zvinorevawo kuchinja kwehuwandu - iyo inogona kuva nemigumisiro yakawanda yemitero (uye inokuisa pangozi yekurasikirwa nemafuta ako kana chimwe chinhu chichiitika kana kune mumwe mubati wekambani) - saka taura nemuchengeti, mutori wenhau, uye chero mhuri inoparidzirwa iwe unotanga kuchinja.

Mergers uye FDIC

Ngwarira nyaya pamusoro pebhandi inobatanidza uye kununura kwebhengi dzinokundikana. Chii chinoitika kana iwe uine zvinyorwa paBan A uye B B, uye mabhii maviri akabatana? Kana pane kubhadharwa kwebhangi kunotungamirirwa neDFIC, rubatsiro rwehupfambisi runowanzobata zvirongwa zvako sekunge kuti dziri kune dzimwe nyika dzakasiyana kwenguva pfupi . Mushure menguva iyoyo, unogona kutamisa zvinhu kune imwe nzvimbo kuti ugare pasi pekuvhara.