CDs mari yakakura kwazvo kana iwe uchida kuchengeta mari yakachengeteka. Mari dzinogona kunge dziri FDIC inotsigirwa (apo inoshanda), uye iwe unogona kuwana chido chakawanda pane iwe uchawana kubva kubasa rekuchengeta .
Asi maCD akagadzirirwa kuva nguva yakareba yezvikwereti. Kusiyana neakaunti yako yekuongorora , iyo inobvumira kushandiswa kwakawanda (deposits uye / kana kuti kurega) zuva roga roga, maCD anorehwa kusara ari oga.
Sample Penalty Schedule
Kana iwe uchibvisa kare, mabhanji anowokubhadhara chikwereti icho chinenge kune zvimwe zvekufarira iwe ungadai wakawana kana iwe wakabata CD kuti ikure. Iwe unogona kuona ichitorwa se "mazuva makumi mapfumbamwe emitambo" yekusununguka kutanga. Hapana hutengo huwandu hwechigadziro, saka ita nechokwadi chokuti unoverenga kudhindwa kwakanaka. Muenzaniso murairo purogiramu inogona kutarisa se:
- Mwedzi 11 CDs kana kuti shomanana mwedzi mitatu inofarira
- Mwedzi 12 kusvika ku59 yemwedzi inotora chikwereti chemwedzi mitanhatu
- Mwedzi 60 kana yakareba CDs inotora chikwereti chemwedzi gumi nemaviri
Zvakare, mabhandi anoisa mitemo yavo, iyo inogona kuva yakawanda kana isingagoni kukanganwira. Tarisa nebhanki yako usati watenga CD - uye zvirokwazvo usati wawana kare.
Kufamba Nechidiki
Mukuwedzera pakurasikirwa nemari waungadai wakawana, iwe unogona chaizvo kurasikirwa nemari uye uende kure nezvishoma pane iwe wakaiswa muCD.
Semuenzaniso, CD 12 mwedzi iri nyore kuifungidzira kana iwe uine mari pashure pemwedzi gumi nemana. Iwe unogona kunge uchifamba nezvakawanda kupfuura iwe wawakatanga kuisa muCD (kwete zvakadai sokunge zvaive, asi zvishoma iwe wakawana chimwe chinhu). Asi zvakadini kana iwe ukabuda pashure pemwedzi miviri? Iwe hausati watora chikwereti chemwedzi mitanhatu uye iwe hauzombofi-asi bhangi ruchiri kutora chikamu ichocho.
Kuti vaite kudaro, ivo "vachapinda mumukuru" kana kutora zvimwe zvekutanga mari yako.
Nzira Yokudzivirira Dhidhiyo DCD
Kana iwe zvachose unofanira kubhadhara mangwanani, ona kana kune nzira yokuderedza chero zvikwereti. Chokutanga, hazvina kumbokuvadza kubvunza. Kana iwe uri musangano rine ushamwari kana zviduku zvinyorwa zvesangano , vashandi vanogona kukupa mubairo. Kana zvisina kudaro, zvose zvavanogona kutaura nde "kwete". Iwe unoda kuita izvi mu-munhu (kana zvichida pane foni) kana iwe uchida kukumbira kuregererwa - an automated system kazhinji haazoiti iwe chero zvaunofarira.
Uyewo, unogona kukodzera kubhadhara rufu, kuremara, kubhadhara, nezvimwe zviitiko zveupenyu. Iyi ndiyo iyo inokosha (zvakare zvakare) kuti utaure zvakananga nemumiririri uye uone kana iwe unokwanisa kukodzera kubhadhara.
Kuti udzivise zvikwereti munguva yemberi (pasina kufanotaura nezveramangwana), unogona kuedza kushandisa zvimwe zvinoshandiswa. CDs haisi dzakasarudzwa - iwe unowana zvakawanda nokuda kwekuvimbisa kusiya mari yako moga - asi pane dzimwe nzira dzakanaka kana iwe uchiramba uchibhadhara chirango.
- Mishonga yemidziyo yakafanana neCD, asi inokubvumira kubvisa mari kubva kare. Pane dzimwe nguva miganhu pamusoro pekurumidza uye zvakadini, asi ivo vakakodzera kuongorora.
- Dhiyabhorosi CD ndiyo nzira iyo iwe nguva nenguva une CD yakakura, ichikupa mukana wokutora mari isina mhosva. Semuenzaniso, unogona kunge uine CD yakakura mumwedzi mitatu kusvika kumatanhatu, zvichikupa zvingasarudzwa .
- Marikiti yemari yemari inobhadhara mari yakawanda kupfuura mari yekuchengetedza, asi kazhinji hairengeki seCD. Zvakakosha ndezvokuti iwe unogona kuita zvishoma kushandiswa kubva kubhuku uchishandisa kadhi yebhengi kana chekuongorora.
- Marikiti yemakadhi ndiyo nzira inodhura yekukwereta, asi kana iwe uchida mari nokukurumidza uye CD yako ichakura nokukurumidza inogona kutenga mari shomanana yekuisa mari yekukurumidza pane kadhi (uye kuripa iyo pakarepo kana CD ichikura). Ichokwadi, pfungwa yakanakisisa ndeyekuchengeta mari yakasimba yakaoma .
The Reason Reasoned CD Penalties
Bhengi inotarisira kuti uchengetedze mari yako inotengeswa kwenguva shoma (semwedzi 6, gore, kana makore mashanu). Mukudzoka, bhangi iri kuda kukupa iwe yakakwirira. Bhizinesi rinobatsirwa nekuva nechokwadi chekuti ingashandisa nguva yakareba sei mari yako, uye iwe hauna mari yekutengesa nguva nenguva nemari iyo.
Sei mabanki asingakwanisi kukupa muzinga wepamusoro uye rega iwe uishandise mari iyo iwe unonzwa sezviri?
Nokuti bhengi rakaitawo zvimbiso nemari. Bhengi inokweretesa mari kune vamwe vatengi uye inotenga imari inenge yakakura zvakadai seCD.
Kana iwe uchida mari yako nguva pfupi, bhangi ringatofanira kubhadhara "chirango" kune imwe nzvimbo. Kuti uwane mamwe mashoko, ona mabhengi anoita mari nemari yako.