Chii Chinonzi Money Mutemo uye Munhu Anoshanda Sei?
Pasinei nokuti uri kutenga kana kutengesa chimwe chinhu, urongwa hwemari hunogona kuva yako yakanakisisa sarudzo (kana yako chete yekusarudza) kubhadhara. Vanoonekwa se "nzira yakachengeteka" yekubhadhara, vachiita kuti ive nzira yakakurumbira yekuongorora. Asi zvakakosha kunzwisisa zvinowedzera uye kubvisa kushandisa mari yekurayira-uye kana dzimwe nzira dzokubhadhara dziri sarudzo yakanaka.
Chii Chinonzi Money Order?
Rondedzero yemari ipurogiramu yemapepa, yakafanana necheki, inoshandiswa mukubhadhara.
Mari yemirairo inobhadharwa, saka iyo inongobva kubudiswa mushure mekunge mutengi achibhadhara mari yekuita mari nemari kana imwe fomu yemari yakachengetedzwa.
Mari inogadziriswa : Nokuti issuers vanoda kuda kubhadharwa mberi, mari yemirayiro inofungidzirwa kuti yakachengeteka, kana "yakavimbiswa," maitiro ekubhadhara. Havana kufanira- kufanana neongororo yega inogona .
Nyaya inokosha: Zita romutengi (anogamuchira mari yekuraira) uye zita rebazi rezvemari rakabudisa mutemo wemari richaonekwa pamari yega yega. Paunotenga chirongwa chemari, iwe uchatsanangura kuti ndiani anofanira kugamuchira mari nokuzadza nezita romunhu kana sangano raunoda kubhadhara. Izvi zvinoita kuti zvive nyore kumbavha kuba chiridzwa uye kuwana mari.
Ngozi: Iva nechokwadi kuti mari yekurayira dzimwe nguva inoshandiswa mukunyomba , asi inoshandiswawo kune zvinangwa zvakakodzera. Tichataura tsanangudzo dzakawanda dzinowanikwa pasi apa.
Kwokutenga: Mari yemirayiro inowanikwa kubva kune dzimwe nzvimbo, kusanganisira:
- Supermarkets uye nzvimbo dzekutengesa
- Mabhangi nemakambani emakwereti
- Chengetedza mari, kutengesa mari, uye mabhizimusi ekubhadhara chikwereti
- United States Post Mahofisi
Kuti uwane mamwe mashoko, ona Ndeipi Kuti uwane Money Order .
Nzira Yokutenga: Kuti utenge urongwa hwemari, iwe uchada kubhadhara nemari yakachengetedzwa.
- Mhosva: Pabhangi rako, unogona kutumira mari kubva kuongororo yako kana kuti kuchengetedza kero. Pamutengesi, iwe uchabhadhara nemari, bhadha rekubhadhara kadi uchishandisa PIN yako, kana kuti kushandiswa kwemari pane kadhi rako rechikwereti. Cherechedza kuti kadhi rechikwereti mari inofambira mberi inodhura nokuti iwe unobhadhara mari yakawanda uye mari yepamusoro yezvikwereti pane izvo zviyero , saka edza kudzivisa izvozvo.
- Nhamba uye payee: Taurira mutori wemari mubhadharo kuti unoda mari yakawanda sei, uye ivo vachadhinda rugwaro iwe. Iwe unoda kunyora muzita remutengi wako pamutsara unoti "Bhengetedza kurongeka." Ona mirairo yakajeka yekuti uzadze mutemo wemari zvakarurama.
- Chengeta zvinyorwa: Chengetedza risiti yako uye chero ipi zvayo zvimwe maererano nekutenga kwako. Kana chimwe chinhu chichienda zvisina kunaka, iwe uchada ruzivo urwu kuti uone kana kubvisa mari yekuronga .
Mariro: Tarisira kuti ubhadhara mari shoma kuti uwane mari yekuraira. Mitengo inowanzopfupika pamashambagitari uye nzvimbo dzekutengesa-dzinenge dzakapoteredza $ 1 kana zvakadaro pamutemo wemari. Mabhandi nemakambani emakwereti vanowanzobhadhara $ 5 kusvika $ 10. Kuti uwane mamwe mashoko pamusoro pemari, tarisa uwandu hwemazvimbo nemitengo .
Kutenga mari: Mari yemitemo ine chikamu chikuru, kazhinji $ 1 000 pamari yekuraira. Izvi zvinoita kuti zvikwanise kutenga zviduku, asi kana uchida zvinopfuura izvozvo, unogona kutenga mari yakawanda mitemo (uye kubhadhara mari yakawanda). Zvimwewo, unogona kushandisa imwe nzira nenzira yekodhi .
Kuwana mari: Kana iwe uchigamuchira mari yekuraira, iwe unogona kuirima kana kuisa iyo secheki. Kuti uite kudaro, iwe kazhinji unotsigira kumashure kwemari yekuita mari nekusayina zita rako. Zvakanakisisa kutenga mari yemari panzvimbo imwe chete yavakatengwa kubva ku (Western Union kana MoneyGram dawati, kana bhangi kana chikwereti chekwereti chakavabudisa).
Kana iwe usingadi mari ikozvino, kuchenjera kuisa mari yacho kubhengi yebhangi kuitira kuchengetedzwa kwakachengeteka.
Sei Uchishandisa Mari Maitirwo?
Mari yemirairo ndeimwe yezvimwe zvizhinji zvekutora mari. Saka rinoshandiswa rini kunyanya kushandisa shanduro yemari?
Zvimwe kune mari: Mari yekuita mari inogona kubhadharwa kune mumwe munhu, iyo inoderedza ngozi yekuba. Kana mutemo wemari ukarashika kana wabbiwa, unogona kuupedza uye uwane nzvimbo.
Kana ukarasikirwa nemari, yaenda zvakanaka. Kunyora mari inongova yakawandisa, saka mari yekuraira ndiyo nzira yakanaka apo iwe uri kutumira chikwereti. Uyezve, iwe unogona kutarisa kubhadhara uye kuratidza kuti mupikiri wako akabhadhara chaizvo.
Kwete Aunti yebhangi inodiwa: Kana usina mari yebhangi-kana iwe usingadi mumwe kana iwe usingagoni kukodzera mari imwe chete inogona kunge iri yakanakisisa yako yekubhadhara.
Iwe unogona kubhadhara zvikwereti sezvikwereti zvebasa rekushandisa, mari yemishuwarenzi, uye mhare dzemhare dzenhare nemitemo yemwedzi mwedzi mumwe nomumwe. Zvisinei, mari yekutenga mari inowedzera. Izvozvo zvinodhura, uye nguva inotora kutenga mabhizimisi emwedzi mwedzi nemwedzi, inogona kukukurudzira kuti uzarure kambani yebhangi yemunharaunda .
Chengetedza ruzivo rwako chakavanzika: Paunonyora cheki chako, cheki icho chine mashoko akaoma. Somuenzaniso, kuongorora kunowanzoonesa kero yako yemusha, nhamba yefoni, nhamba dzebhangi yebhangi , nemazita evanowiri vese vemu-akhawunti (zvakadai semumwe wako kana shamwari, kana pane). Kana iwe usingazivi kana kuvimba nomunhu wauri kubhadhara, mari inoratidzira inovanza ruzivo.
Zvinotarisirwa nemutengesi: Vamwe vatengesi vanoda kuti iwe ubhadhe nemari yemari. Havadi kutora mukana wokubvuma cheki , uye zvakajairika kukumbira mari. Cheketi yecashier yaizopa kuchengeteka kwakadaro, asi mirairo yemari inoita seinodiwa, uye iyo inodhura-shoma kune vatengi.
Tumira mari kune dzimwe nyika: Kana uchida kutumira mari kune dzimwe nyika , mari yekurayira inzira yakachengeteka uye isina mari yekuita saizvozvo. Munhu anogamuchirwa anogona nyore kuchinja mari yehurumende kune mari yemunharaunda, uye USPS mari yemirayiro inonyatsoonekwa munyika dzakawanda pasi rose.
Zvimwe Zvingaitwa Nemari Mari
Mari yemirairo haisi iyo nzira chete yokubhadhara. Zvimwe zvingasarudza kupa "mari yakavimbiswa" mari, uye vamwe vakachengeteka pane mari.
Chekuchecheti chekuchechesa yakafanana nemari yemirairo. Izvo zvose mapepa epapepa akabudiswa kune imwe nzvimbo yepayee uye inopihwa nemupiki. Zvisinei, mabhandi nemakambani emakwereti anokonzera chekuchecheti checashier-kwete nzvimbo dzekutengesa uye mabhizimisi emari. Uyewo, chekuchengeti chechechi inowanika kuwanda kwemarenda akawanda, saka ivo vari sarudzo iri nani yekubhadhara kukuru. Dzidza zvakawanda pamusoro pekuti mashandiro emari anotengesa sei akaenzaniswa nemirairo yemari .
Siri kutengesa kushandiswa kwemagetsi kwemari yakavimbiswa. Zvakare, vatengesi vanogona kuva nechivimbo-kunyanya vane chivimbo kupfuura kana vachiwana mari yekuraira-kuti vari kubhadharwa. Nheyo dzinoshandiswa dzinodhura zvakanyanya (dzinodarika madhora makumi matatu nemazana mazhinji) uye dzakaoma, asi hazvikwanisi kuvharwa kana kuregererwa sezvinodiwa nemari. Dzidza zvakawanda nezvekushandiswa kwetambo kutumira mari .
Kubhadhara mafaira emari isiri iyo yakavimbiswawo inosarudzo. Kana uri kungobhadhara zvikwereti, bhizinesi rebhengi rekubhadhara mari yako rinogona kutumira mari kune chero kupi zvako-kazhinji kusununguka. Kunyange kana usina mari yebhangi, makadhi akawanda ekubhadharwa kubhadharo anopa basa rimwe chete , kana iwe unogona kubhadhara uchishandisa nhamba yako kadhi. Nhare dzepaIndaneti uye mapurogiramu anogonawo kutumira mari (zvichida kune vanhu vaunovimba ) pasina.
Kuongororwa kwega , panguva yekare-kare, kazhinji kwakakwanira. Vatengi vakaita semakambani ekushandira uye vateresi vesevisi vachiri kugamuchira cheki. Vatengesi vepaIndaneti nevamwe (zvakadai sevasingazivi vamunobata navo paCraigslist) vangakumbira mari yekuchengetedzwa kwakawedzerwa.
Chenjerera Zviyero
Mirairo yemari inowanzoonekwa yakachengeteka, asi inogona kushandiswa mukubiridzira. Ichokwadi, kufunga kwekuti vakachengeteka ndizvo chaizvo zvinokonzera kuti vakwanise kunyadzisa .
Kurindira kwemafirimu matsvuku zvinowanikwa kuchakubatsira kudzivisa dambudziko. Kuti ugare wakachengeteka:
- Usambofa uchitumira "mari" yadzo kune mumwe munhu anokweretesa zvakanyanya nemari yekuita-iyo inenge inenge yakanganisa. Ngwarira kutumira mari yakawedzerwa kune "shippers."
- Chengetedza mari pane chero mari yekuraira yaunofunga nayo usati waenda nayo kubhangi rako.
- Dzivisa kubhadhara chero ani zvake nemari yekuita mari kana iwe uchifunga kuti uchazombofanira kuchinja kubhadhara. Iwe unogona kungosiya mari yemari chete vasati vanyura.
Kukanganisa Kwemari Mirairo
Iye zvino zvaunoziva zvidzidzo, iwe unogona kunzwisisa zvinowedzera uye zvinoshandiswa pakushandisa mari. Zvimwe zvezvipingamupinyi zvikuru zvemirairo yemari zvinotsanangurwa pasi apa.
Maximum mirefu: Mari yemirayiro inowanzobudiswa nepamusoro pe $ 1 000. Imwe mari yakagadziriswa nevashandi vanoshandisa kunyange muganhu wakaderera (semuenzaniso, nyika dzepasi rose dze USPS mari dzinosvika $ 700). Kana iyo mari yekutenga iri kudarika $ 1 000, iwe uchada mari yakawanda mitemo. Zvadaro zvinhu zvinowedzera-uye zvinodhura seimwe nzira dzokubhadhara.
Unyanzvi: Mazano emari ari nyore kuwana. Ingoenda kumushandi webasa rekumutengesi pachitorosi kana kushanyira bazi rebhangi. Asi mamwe maitiro ekubhadhara ari nyore zvikuru kushanda nawo. Kuti utenge urongwa hwemari, iwe unowanzodikanwa kuwana mari, kumirira mumutsara, kumirira mutariri wevashandi (vanoita zvakanakisisa) kuti vapedze mutengesi, uye uwane mari yekuraira mune tsamba. Kuongororwa kwega uye magwaro ekubhadhara zvinokonzera zvakawanda kana kuti zvose zvematanho iwayo.
Kuvimba: Vanhu vazhinji vanodavira kuti mari yemirayiro yakachengeteka. Vatengesi vanoverengera kune anopa mari (pane mumwe munhu) kuti ape mari. Zvisinei, mari yekurayira inogona kusimudza mapegi matsvuku nokuti inowanzoshandiswa pakubiridzira. Mune zvimwe zviitiko, mitemo yemari inorambidzwa, kana kuti inokonzera basa rekuita zvepamusoro uye kunonoka. Semuenzaniso, mamwe masangano emari (semakambani einishuwarenzi uye makambani ekudhinda) haagamuchiri mirairo yemari nekuti inogona kushandiswa mumabasa ekubhadhara mari. Saizvozvowo, mabhanhire haagoni kukubvumira kushandisa foni yako kuti uise mari yekuraira, asi kuongorora hakuna dambudziko.