Nzira Yokudzivisa Kushandisa Chekuita Kwenhema: Mienzaniso uye Tsanangudzo

Iko "Chekuchengetedzwa" Kwokubhadhara Kunogona Kuva Nhamo

Chekuchechecheche chekiti ine mukurumbira wekuchengeteka, uye ndizvo zvinoita kuti vakwanise kupera. Pasinei nokuti uri kutengesa chimwe chinhu paIndaneti kana mu-munhu, chekuchengeti checashier inofanirwa kutarisirwa. Ziva ruzivo nemapuranga akajeka akajeka, uye iwe unonyatsovandudza mikana yako yekudzivisa unyengeri.

Kuchengetedza uye Cashier's Check Fraud

Sei mabheji esirivha anofungidzirwa se "akachengeteka"? Kana paine mvumo, vanopa mari yakachengetedzwa : Vagamuchiri havafaniri kunetseka nezvecheche chekucheka, uye mari inobva kucheki inowanzovapo yekushandisa mukati mezuva rimwe bhizinesi (zvichida $ 5,000 yekutanga inofanira kuvapo ).

Zvinosuruvarisa, chekoni chechechi hachina kunyatsochengeteka kupfuura zvaimbova. Kana iwe usingazivi uye kuvimba nemutengi wako, iwe haugoni kufungidzira kuti cheketi ye cashier inofanana nemari.

A Cashier Check Check Scam

Kakawanda kazhinji kashandi yekasiki yekucheka inoenda kune chimwe chinhu chakadai: "Mutengi" anoda kutenga chigadzirwa uye achashandisa chekoni yekasi. Chero chikonzero chipi nechipi, mutengi ane cheki yakabhadharwa nemari inopfuura mutengo wekutenga. Kunyange zvakadaro, mutengi anoda kuti mutengesi "aende mberi" uye aise cheki. Pakupedzisira, mutengi anokumbira kuti mutengesi adzorere mari yakawandisa, kazhinji mumari, nekutengesa firi , kana neWest Union . Kubhadhara kudzoka kunogona kuenda zvakananga kumutengesi kana kune wechitatu.

Cherechedza zvinhu zvinokosha:

1. Mutengi anoshandisa cheki cashier kana mutemo wemari . Vanotsanangura kuti iyi ndiyo yekusarudza kwavo chete yekubhadhara.
2. Mutengesi kana mupiki anotora cheki kune zvakawanda kupfuura zvavakakumbira.

1. Mutengesi anofanira kutumira mari yakawedzerwa kumutengesi kana kune "mubatsiri."

Kana iwe unotarisana nemamiriro ezvinhu anotarisa chinhu chakadai, iwe unenge wava kuda kuita nembavha.

Nguva yakakosha: Usatumira chero mari kana kutengesa kusvikira iwe uri zana muzana unofunga kuti bhadha yekubhadhara yakanyatsoendesa mari.

Izvi zvinowanzotaurwa nezvenguva iyo cheki "inopera," asi izwi iroro rinogona kuvhiringidza-kunyange kune vashandi vebhangi.

Mari yekubva kune chekuchengeti yekodhi ichave iripo kwauri kuti uende kune rimwe zuva rebhizimisi, asi izvozvo hazvirevi kuti mari iripo kana kuti yakatamira kubhengi rako. Izvozvo zvinogona kutora mazuva mazhinji emabhizimisi kana nguva refu . Kana uchinge usingazivi nezvemutengi wako, iwe unofanira kutarisira kwenguva refu.

Iko kushambadzira kwekasa kunowedzera: Izvi zvinokonzera kushanda nokuti munhu wese anotenda kuti check cashier yakachengeteka. Kana bhengi ichikubvumira kutora mari, cheki chinofanira kunge chakanaka, chakanaka? Zvinosuruvarisa, bhenji yako inofunga kuti cheko ichave yakanaka, asi mutoro wekudha iwe ndewekupedzisira.

Kana iwe ukashandisa iyo mari (kuti uitumire kune "kutumira," somuenzaniso), iwe unogona kuchinja mari. Kana imwe bhengi yako ichiona kuti cheki yacho inonyengera, mari yacho ichashandiswa-iyo inogona kukusiya neine nhoroondo yakashata. Nebhengi risina bhengi, iwe uchaguma uchitarisa cheki uye uchitadza zvimwe zvikwereti zvinokosha. Zvakanyanya kuitika, avo vanopesana nematambudziko aya vanogona kurasikirwa mazana kana zviuru zvemadhora.

Zvidzivirire Iwe pachako

Tora matanho ekuzvidzivirira kubva pakubiridzira:

1. Usambofa wakagamuchira cheki yezvakawanda kupfuura zvawakakumbira.

1. Kana zvichibvira, enda kubhangi kune ani zvake ari kukubhadhara uye uone kuti vanowana chekoni yekodhi kubva kumudzidzisi. Mirai mumutsara navo saka hapana "switcharoo."
2. Chengetedza mari pane chero chekuongorora kana mari yaunowana. Iyi haisi nzira isina mano, asi ichachera vamwe veva sloppier mbavha.
3. Simbisa kune dzimwe nzira dzokubhadhara dzaunonyatsoziva kuti dzakavimbika (zvakadai sekutengeswa kwetambo ) asi chenjerera nezvekupa ruzivo rwebhuku rako rebhangi.
4. Chengetedza nevatengi vemunharaunda pa Craigslist uye nzvimbo dzakadaro, uye simbisa pamari yekubhadhara mari kana iwe usingagoni kuenda kubhangi pamwechete.
5. Ongorora chero cheketi yaunogamuchira, uchitsvaga zviratidzo zvekuti inhema. Misspelled mazwi uye mapepa akakodzera mapepa pasina chero chekuchengetedzwa kwezvinhu zvinowanzoonekwa pane chekuongorora.
6. Kana iwe uchifanira kutora chekiti kune zvakawanda kupfuura iwe unokumbira mutengo, udza mutengesi kuti iwe unotarisira kwemavhiki maviri usati watumira chero mari kana kutumira zvinhu.

1. Taura nebhandi webhanki kana iwe ukaisa chekiti chekuongorora. Tsanangura mamiriro ako uye zvinetso zvako, uye bvunza apo iwe unogona kuva 100 muzana unofunga kuti kubhadhara kwakanaka. Zvichiri nani, usabvuma kushungurudza checks.

Tora kure nemamiriro ezvinhu usati wagamuchira chekoni yekasi uye uvimbe matanda ako. Uine maonero matsva, unogona kuona zvisizvo zvisingaoneki zvinoratidza dambudziko.

Red Flags

Mbavha akanaka pane zvaanoita, asi anowanzopa mazano. Zvibvunze kana mamiriro ezvinhu akajeka.

Semuenzaniso, apo vatengi vasingabvunzi mibvunzo yakawanda kana kuziva zvakawanda pamusoro pechinhu chauri kutengesa, nei vachida chaizvo kutenga? Zvinogona kuitika kuti havana chinangwa chekushandisa chero chauri kutengesa.

Sei munhu wausina kumbosangana newe achivimba nezviuru zvemadhora? Kana vakakwanisa kukutaurirai, vanogona kupa mirayiridzo yakakwana kuitira kuti bhangi ribudise chekuchengetedza chekuchengetedza zvakanaka. Kana iyo yakawandisa mari yaive iyo, ikoizvo, iko kukanganisa kwomutengesi, mutengi angadai asingabhadhara mari ye $ 8 (kana chero ipi zvayo) kuti ive yakanyatsoongorora yakadhindwa pane kukupa iwe-mutorwa wakakwana-mukana wekubata mari?

Pakupedzisira, kana vachikwanisa kuuya nemari yakawanda, vanogona kubhadhara mari yakasiyana-siyana yekodhi yekubhadhara kana kunyora cheki yakasiyana neye "agent" kana kuti "shamwari" yaunofanira kutumira mari yacho.

Mimwe Mienzaniso

Chekuita chekubhadhara kunoratidzika mune zvakawanda zvinonyadzisa. Ramba uine ziso kunze kweimwe yemamiriro ezvinhu pasi apa. Con artists vanoenderera mberi kuchinja nzira yavo yekufamba kwenguva, asi izvi ndezvimwe zvezvikamu zvekare .

Mari yemuumbi: Unogamuchira mari, uye iwe unofanirwa kuisa mari yacho kuakaunti yako uye kutumira mari kune mumwe munhu. Inowanzotengeswa sebasa-kumba-kushandura basa rokugadzirisa, maitiro aya anowanzotambudza . Mune zvimwe zviitiko, uri kutengesa mari kune vanoita zvemhosva. Mune zvimwe zviitiko, mari yekutanga inobhadhara, asi pakupedzisira, uchawana cheki chekunyengera (mushure mokunge vawana chivimbo chako) uye iwe ucharasikirwa nemari.

Pfuma yekunze kune dzimwe nyika: Mumwe munhu wausingazivi anouya kwauri uye anokumbira rubatsiro rwako kutamisa mari yakawanda kubva munyika yakashata. Mukutsinhanisa, unogona kuchengeta chiduku chiduku chekuendeswa, iyo mari yakawanda kupfuura iwe yaunofunga mugore. Zvechokwadi, iwe unofanira kutumira mari kune mumwe munhu kuti apedzise kutengesa.

Nhaka uye lottery scams: Wakakunda! Iwe uri kuda kuwana mari yakawanda, asi iwe unoda kubhadhara mari shoma yemitero kana mitero yemitemo ye "kusunungura" mari. Iko mari shoma yekubhadhara pfuma iyo iri kutungamira nzira yako. Ichokwadi, havangamboperi.

Imba yekubhadhara pfuma: Mumwe munhu ari kuenda kunharaunda yako kune basa idzva. Vanoda kubhadhara mwedzi wokutanga uye wekupedzisira webhadharo, uyewo chekuchengetedzwa kwemari, nechekuchengeti yekodhi. Havana kumboona imba yacho. Zuva rakatevera mushure mokuisa cheki, vanoti vanoti pane dambudziko nebasa-ivo vasiri kuuya, saka havadi kubhadhara. Iwe unogona kuchengeta kuchengetedzwa kwekuchengetedza, asi vanoda kuti iwe udzoke zvimwe zvebhadharo. Mushure mokutumira kubhadharwa, iwe uchaona kuti cheki chakanga chakaipa.