Mutemo weBurumende neKubhadhara Networks Offer Kubatsira
Muzviitiko zvakawanda, haufaniri kubhadhara kana chimwe chinhu chisina kuipa - mutemo wezvematongerwo enyika unokupa kodzero yekuita kuti mhosva idzi dzibviswe. Asi iwe unewo mabasa anouya nekodzero idzodzo. Basa rako nderekuongorora maakaunti ako uye kuudza chero matambudziko ebhangi rako kana chikwereti chekurumidza nokukurumidza.
Mutemo weBurumende, Zvimwe Zvipo
Kwemakore, mitemo yakashanduka kuti ikubatsire kurega kubhadhara mitero isiri yakarurama. Vadzidzisi vemitemo vakatanga kutarisa nyaya yacho kare muna 1978 neElectric Funds Transfer Act (inozivikanwawo seMutemo E). Reg E inoshandiswa kumashandisirwo emari ekufambisa (EFTs) mubhengi rebhangi, asi kwete kune mamwe mabhangi-akadai sevhisi.
Semuenzaniso, kadi yako yebhadharo inodzivirirwa nokuti inokonzera zvakananga kubva pakero yako yekuongorora, asi kadhi rako rechikwereti rinoshandisa mitemo yakasiyana (makadhi emakadhi anowanzochengetedza kupfuura makadhi ekubhadhara kana zvasvika pakudzivirirwa kwevatengi). Mamwe makadhi akabhadharwa akavharwa, asi vamwe vasiri.
Bhengi yako kana kadhi muchengeti anogona kupa zvipo kumusoro uye kupfuura izvo zvinodiwa nemutemo. Iwe unowanzonzwa nezve "mutemo we zero", uye izvo zvikamu zvinogona kukubatsira kuti uchengetedze njodzi yako (zvakabatsiro zvakafanana nekuchengetedzwa kwaunowana nekadhi rechikwereti). Asi iwe unogona kunge usina mari mukati memari yako kwemazuva mashomanana apo zvinhu zvakarongwa.
Mhando dzeElectronic Transfers
Ndeapi matambudziko aunodzivirirwa kubva? Electronic fund inoshandura iyo inobata kero yako nekuda kwezvikanganiso nekunyengera. Mimwe mienzaniso yakajairika inosanganisira:
- ATM inobviswa
- Debit kadi kutengeserana (kungave kwakapedzerwa mukati-munhu, paIndaneti, kana nefoni)
- Peji chekuongorora iyo yakashandurwa kuongororo dzemagetsi
- Inoshandura pakati pebhangi yako yebhangi
- Inopinda uye inobva mune zveakaunti yako (zvakadai sokubhadhara zvakananga kana kubhadhara mari yepaIndaneti - asi kana bhangi yako ikashandura uye mairi chekuongorora, kubhadhara hakukwanise kuvharwa)
Kunyengera Kutengesa
Kana ikadhi yako yemari inobirwa, zvakakosha kuita chimwe chinhu nokukurumidza. Kana iwe uchizivisa bhengi rako kurasikirwa musati mhaka ipi zvayo isina kubhadhara yakakunda akaunti yako, iwe hauna mhosva yemhosva. Zvisinei, kumirira kunogona kukudhura.
- Iwe unogona kutarisirwa kusvika kumadhora makumi mashanu emhosva dzisina kubvumirwa kana iwe uchizivisa bhanha rako kurasikirwa mukati memazuva maviri ebhizinesi rekurasikirwa
- Iwe unogona kunge uri kutarisirwa kusvika ku $ 500 yemhosva isina mvumo kana iwe uchizivisa bhanki yako mukati memazuva makumi matanhatu (asi iwe unoshaya zuva rebhizimisi remazuva maviri)
- Ngozi yako haigoneki kana iwe ukamirira mazuva anopfuura makumi matanhatu - mbavha dzinogona kukonzera akaunti yako uye kushandisa mari yausina kunyange nekushandisa miviri yekwereti
Cherechedza kuti kurasikirwa nekadhi rechikwereti hazvirevi sekutanganisa sekurasikirwa kadhi redhikiti.
Nekarasika kana yakabiwa kadhi rechikwereti, iwe unongotarisirwa kusvika pamadhora makumi mashanu emhosva dzisina kubvumirwa (sezvinongoita nebhadhadhi dzebhadhiro, hauna mhosva yemhosva dzakakonzera kero yako mushure mekunge uchitaura kurasikirwa).
Zvikanganiso muAcount yako
Kana iwe uchiri nemakadhi ako ekubhadharira, iwe une nguva yakawanda yekupa zvikanganiso uye kutora zvikwereti zvakadzoserwa - asi hazvisi pfungwa yakanaka yekumirira. Kana kukanganisa kuri kukanganisa konti yako, une mazuva makumi matanhatu mushure mekutaura kwako kwakasikwa kuti ipe zvikanganiso. Mushure menguva iyo, iwe unogona kunge uine mhosva kune chero zvikwereti, saka iva nechokwadi chekudzokorora mabhizinesi ako ebhangi nguva dzose.
Mushure mekuzivisa Bhengi yako
Kana iwe ukangoudza bhengi rako chero dambudziko, unowana mari yacho pakarepo here? Kwete hazvo. Iyi ndiyo imwe nzira iyo makadhi ekubhadharwa ari akawandisa kupfuura makadhi emakwereti: mari yaunoda nokuda kwezvikwereti haigone kuwanikwa kana iwe uchida iyo (asi kukanganisa pane kadhi rechikwereti hakunyore zvakananga uye nokukurumidza zvinoitika pakutarisa kwako kero).
Mabhangi ane mazuva gumi kuti aongorore zvipi nezvipi zvaunenge uchitaura kana kuti chikwereti chikwereti chako (chinozivikanwa sechikwereti chenguva duku). Iwe unowanzoona mari yakarongerwa nokukurumidza kupfuura iyo. Kuongororwa kwekanganiso kunogona kutora nguva yakareba - kusvika kune mazuva makumi mashanu kana makumi matatu, zvichienderana nerudzi rwekutengeserana - asi unobvumirwa kushandisa mari iyo kutsvakurudza kunoitika. Zvisinei, kana bhangi ichisarudza kuti pakanga pasina purogiramu kana ufeve, iwe uri mutoro wemhosva. Chikwereti chenguva pfupi chichadzorerwa zvakare, uye iwe uchazofanira kutora mari iyoyo kana ukatopedza.
Kuudza bhanki rako kungada zvinopfuura kungofonera kana email inokurumidza. Kuti uwane kudzivirirwa zvizere pasi peMutemo E, zvinokosha kuti utevere chero mirayiridzo iyo bhagi rako rinopa. Mushure mokunge uchitaura mashoko, iwe unogona kudiwa kuti upe fomu chaiyo kana kupa zvinyorwa zvinoratidza kuti hauna mhosva yemhosva. Kana iwe ukatsika matanho ipi zvayo, unogona kurasikirwa nemazito ako.
Zvimwe (kana Zvishoma) Kudzivirirwa
Mutemo E haisi wega wega yemitemo inogona kukudzivirira kubva pakubiridzira nekukanganisa. Hurumende mitemo dzimwe nguva inopa zororo rinowedzera. Tsvaga rubatsiro rwekutengesa mari muhutano hwako kana iwe uine matambudziko (bvunza Office yeAkatoriya Mukuru kana iwe usingazivi kuti unotanga kupi).
Payment processors ingabatsirawo. Semuenzaniso, Visa ne MasterCard vose vanopa kudzivirirwa kwakasimba kuvakadhi vemakadhi. Vamwe vashanduri vakaita sePayPal vanopa zvakafanana.
Zvinosuruvarisa, kana iwe uchiita bhizinesi, haunakidzwi nekudzivirirwa kwakafanana sevatengi . Mutemo E hauna kubhadhara mabhizinesi ezvimabhizimisi, naizvozvo zvakakosha zvikuru kuti iwe uone mabhengi ebhangi, shandisa mazinga emari, uye chengetedza kushandisa makadhi ekushandisa. Zvisinei, iwe unogona kuwana kuchengetedzwa kwekodzero kubva kune kadhi rechikwereti.