Zvidzivirire Kubva Kukonzera
Chinhu chinonyanya kukosha kuziva ndeyekuti chekiti inogona kugumbuka mushure mekunge maisa-kunyange kana bhangi renyu richikubvumira kubvisa mari kubva pane iyo mari.
Nhamba yeClearing Checks
Nzira yekuchenesa checks inosanganisira kushandura mari kubva kuongororo yemunyori wechenyo kuakaunti yako.
- Iwe unoisa cheko chebhangi rako kana chikwereti chebato.
- Bhengu yako inokumbira mari kubva kubhangi yemuongorori.
- Bhengi iyo inobvisa mari kubva kubhuku rekuongorora chekuongorora.
- Mari yacho inofamba ichienda kubhangi rako.
Kana izvi zvapera, zvinowanzo (asi kwete nguva dzose) dzakachengeteka kushandisa mari.
Yakanyatsojeka Here?
Zvinosuruvarisa, izwi rokuti "zvakajeka" dzimwe nguva rinoshandiswa musati rapera. Chimwe chinhu chakanyatsogadziriswa mushure mekunge bhengi yako yakagamuchira mari kubva kubhangi rekuongorora. Asi vashandi vebhangi vanogona kukuudza kuti cheki yakabviswa, uye mashizha epakombiyuta ebhengi ako angaratidza kuti iwe une mari iyo inowanikwa yekuregera . Izvozvo hazvireve kuti iwe unogona kushandisa mari isingabatsiri.
Mixed terminology: Muzviitiko zvakawanda, kana mumwe munhu akakuudza chimwe chinhu chakasunungurwa, ivo vanoti iwe unogona kushandisa mari (mune mamwe mazwi, unobvumirwa kuzviita iwe pachako).
Iwe unogona kupedza mari iyoyo nekadhi yako yebhadharo, unogona kubvisa mari paATM, kana iwe unogona kuisa mubhadharo kuburikidza nebhadharo rekubhadhara paIndaneti . Kazhinji yenguva, izvi zvisingatauriki zvinyorwa zvakanaka - cheki haigoni kubvumira, iwe unogona kupedza pachena, uye mari inosvika isina dambudziko.
Mari dzinowanikwa: Zvizhinji zvekuvhiringidzika zvakapoteredzwa kutengesa kunobva kumabhanki emitemo nemitemo yezvematongerwo enyika inokubvumira kushandisa mari isati yatorwa.
Mabhangi anodikanwa kuti aite chikamu chedhipatimendi chako chinowanikwa nokukurumidza (kazhinji kacho $ 200 yekutanga, kana $ 5,000 pane dzimwe chekuongorora chepamutemo), uye vangada kusunungura mari yakasara mushure memazuva emabhizimisi akawanda. Asi izvi zvinongoreva kuti iwe unokwanisa kuwana mari - hazvirevi kuti cheki yakabviswa (kana kuti mari yacho yasvika kubva kubhenji rekuongorora).
Muenzaniso wakajeka wekuti kusanganiswa uku kunogona kukonzera matambudziko chii chekasiki checheki chekutsvaga . Mune izvozvi, mumwe munhu anokutumira cheki kune zvinopfuura zvinodiwa, uye vanokukumbira kuti udzorere zvakanyanya (usati wakaziva kuti cheko rinoputika).
Ko Kana Iwe Uchishandisa Mari?
Kana ukaisa cheki, kubvisa mari, kana kupedza mari - uye chengetani inowedzera - une matambudziko. Bhizinesi ichadzorera iyo mariyo kuAngeri yako. Kana uine mari munhoroondo, nhare yako yekondomu ichaderera. Kana zvisingaiti, iwe unenge uine nhoroondo yakashata uye iwe uchatanga kubhadhara zvimwe zvekubhadhara uye kukanganisa mari .
Pakupedzisira, iwe une mhosva yekuisa mari yako kuakaunti yako, uye iwe ndiwe uri pangozi. Iwe unodzivirirwa kubva kune dzimwe mhando dzekanganiso nekunyengera , asi kudzivirirwa uko hakuregi kuongorora kwakaipa kwaunoisa. Kuti uwane mari yako zvakare, iwe unofanirwa kutevera ani nani akakupa cheko rakaipa.
Nzira Yokuzvidzivirira Sei?
Pane nzira shomanana dzokudzivisa kubvamburwa-kana kubhadhara (kana kuti kubhadhara kukanganisa kweumwe munhu kutendeseka). Chokutanga, kana iwe uchimirira kuti upedze mari, zviri nani kuti uwane mikana yako. Muzviitiko zvizhinji, masvondo mashomanana kusvika pamwedzi pane nguva yakawanda yekumirira-yakawanda inotarisa kubva kumabhangi mukati memuUnited States inofanira kuputika nenguva iyo kana ichizogadzirisa.
Asi mamwe marudzi ematambudziko anogonawo kubuda. Semuenzaniso, mbavha ingakubhadhara nehoku yebiwa kubva pane imwe nhoroondo yakarurama ine mari yakawanda inowanikwa. Muchiitiko ichocho, cheko haizogadziriswe nekuda kwemari isina kukwana - asi muridzi webhuku haazofariri kuti mari yavo yabiwa. Cheko inogona kunyatsojekesa, asi iwe ungagone kurasikirwa nemari iyoyo kana yawana kuti kubhadhara kwaiva kusvibisa.
Apo mumwe munhu anokubhadhara iwe nekutarisa kwakaipa, iwe kazhinji unoda kuunza mhosva yepamutemo pamusoro pavo kuti uwane mari yako (kana chero chero chinhu chaunogona kupa kune munhu akakubhadhara).
Muzviitiko zvakawanda, zvakaoma kana kuti hazvibviri kutora munhu uyo pasi. Kana kwaiva kukanganisa kwakatendeseka, unogona kugadzirisa mamiriro acho chete nekukumbira imwe kubhadhara.
Nemhaka yezvipingamupinyi uye kuoma kwekuwana mari, kudzivirira matambudziko kunokosha, uye mitsara shoma shoma inogona kukubatsira kuti usapinda dambudziko.
Red Flags
Nguva dzose shandisa kungwarira kana uchibvuma cheki. Kana iwe uchiziva kuti uri kutarisana naye uye vanogara vachibhadhara pasina dambudziko, unogona kukwanisa kurega varindi vako (kunze kwekuti vari kukudzidzisa iwe kuti uite izvozvo, sekuda mari yekutsvaga basa chekuita ). Kana iwe usingazivi kuti uri kuitei, ita zvose zvaunokwanisa kuti ubhadzwe zvakachengeteka:
- Iro kutengesa kubhengi yako yakachengeteka, kunyange iwe ungafanira kuzarura nhamba yako nhamba.
- Mimwe nzira dzokubhadhara dzimwe nguva dzinogona kuchinjwa ( zive nezvekwereti yemari yekubhadhara chikwereti, nyaya dzekubhadhara Venmo , uye nharo dzePayPal ).
Iva kunyatsochenjerera mumamiriro ezvinhu anotevera:
- Iwe unogamuchira cheko kubva kune munhu wausingazivi.
- Cheketi yakanyorwa kune zvinopfuura mari yawakakumbira.
- Mumiririri anoda kuti iwe ufunge kutengesa mari yakawanda (kana kune shamwari yebhizimisi).
- Cheki yacho inobva kubhengi rekunze kana kuti chinoshungurudza-chechi.
- Cheko yakabva kune mumwe munhu asiri wemo (kunyanya kubva kubhangi mune imwe nyika).
Zvechokwadi, pane imwe nguva, iwe unongoda kusarudza kana iwe usingavimbi munhu kana iwe unonzwa usina kunetseka. Zvinhu zviri pamusoro apa ndezvimwe zvezvinhu zvinowanzoonekwa zvekutarisa matambudziko.
Paunenge usina chokwadi, dana bhagoni iyo cheki inotorwa kuti uone kana iwe unogona kuwana chero ruzivo pamusoro pekuti ingangodaro chekuongorora ndeyekubvisa. Usadanidza nhamba pane cheki sezvo inogona kuenda kune scammer. Tarisa kumusoro nhamba yebhangi iri pa webbhendi yepamutemo yebhishopu uye tumira iyo nhamba panzvimbo.