Kunyange CD mazinga ari akaderera zvikuru.
Ndeipi Inofarira Mitengo Yakasarudzwa?
Mabhandi anongedza mazinga anobva pachirwere chechido chinopiwa neFederal Reserve. Bhengi inofanirwa kuve nemari yakachengetwa mukuisa maakaiti kuti ienzanise nhamba yezvikwereti zvinopiwa nebhangi. IFederal Reserve inotarisa matanho ekubatsira kudzivirira kutengesa, kutengesa kana kutengesa kwenguva refu. Kana vasingakwanisi kuwana chikwata chakanaka chekuda mari pamari yavari kukweretesa, mabhanhire haagoni kukupa chikwereti chakakwirira chemari pamari yaunayo mubhuku. Kunyange iwe uchive uchipembera mari yepamusoro yezvikwereti pane zvikwereti zvemari nemari yemari, inenge ichikanganisa mararamiro auri kuwana paunoshandisa mari yako kuburikidza nebhangi.
Ndingawana sei mari yakawanda pamari yangu?
Kana uine mari yaunoda kuramba uchifamba nekutengesa kwezvinhu, iwe uchada kutarisa mamwe matemo ekutsvaga uye ekuchengetedza. Zvikwereti, mari pamwe chete , uye mamwe mazvikwereti zvingangoita basa rakanaka rekuchengetedzana nekutengesa.
Zvisinei, pane imwe ngozi yakawanda inobatanidzwa nemari. Iwe unofanirwa kutaurirana neanoronga mari kana iwe uine hanya nezvokuendesa mari yako kune iyi yekodha. Paunenge wakatsunga nezvekuvaka upfumi pane kungochengetedza mari, iwe uchada kuisa mari yako pane imwe nzvimbo kunze kwenyaya yekuchengetedza tsika.
Kana ukasarudza kuisa mari, unofanirwa kuva nechokwadi chokuti iwe unoramba wakaparadzana nemari yako kana iwe uchida kuwana mari nokukurumidza. Zvinogona kutora nguva kutengesa zvikwata zvako uye kudhonza mari yako kubva mumusika.
Chii Chandinoita Nekuchengetedzwa Kwenguva Pfupi?
Mari yako yekukurumidzira , uye mari shomanana yekuchengetedza, yakadai sekubhadhara pasi paimba inoda kupinda mu-akhawunti yekuchengetedza kana imwe yero yekaunti kuburikidza nebhangi rako. Kana ukaronga pakuwana mari mumakore mashanu anotevera, zvakanakisisa kuichengeta mubhuku rekuchengetedza kuchengetedza mari yakachengeteka paunenge uchida. Ive makore mashanu ekudzokorora nguva haisi nguva yakakwana yekubvumira misika kuti iwanezve kana iwe uchida mari. Kana iwe uchida kuwana mari iri nani yekutora mari kupfuura yekodha yekuchengetedza kero, unogona kufunga nezvekushandisa mari yemari yekuchengetedza misika, CD (Certificate of Deposit) kana kushandisa shandisi yekuchengetedza mari kuchengetedza mari yako. Nhoroondo dzekuchengetedza iri muIndaneti dzinogona kupa chikwata chechikwata chepamusoro nekuda kwekuderera kwepamusoro mari.
Kunyange zvazvo zvingave zvinogumbura kuva nemari yepamusoro inotengeswa neakachengetesa mabhuku, iyo ibhizimusi-yekuchengeteka kwemari. I-FDIC ichasimbisa $ 250,000 yekutanga yaunayo pabhangi.
Zvinoreva kuti haungarasikirwi nemari kunyange dai bhengi raizovhara pasi. Kuisa mari yako yekukurumidzira mune imwe nzvimbo yekambani ichakudzivirira. Ichaitawo kuti zvive nyore kuwana iyo mari apo iwe uchida.
Chii Chandinofanira Kuita Nezvekuchengetedza Kwangu Kwenguva refu?
Kana ukangobhadhara mari yako yezvokukurumidzira uye zvinangwa zvokuchengetedza, uye iwe unoda kuvaka upfumi, iwe uchada kutarisa mamwe masarudzo ekutsvaga. Pane musiyano pakati pekuponesa mari nekuisa mari . Paunochengeta mari, iwe uri kuisa parutivi kuti uvhare zuva remvura. Paunoshandisa mari, iwe uri kuisa iyo kukushandira iwe kuti ikubatsire kuvaka pfuma. Kuisa mari yako muchikwata chekuchengeta mari hakuzobatsiri mari yako kukushandira iwe. Kuziva izvi kuchakubatsira iwe kuita sarudzo dzakachenjera mune zvemari.