Shandisai Mitsvuku Dzvuku
Kana ukakurira kunze kweUnited States kana kuti uine hama dzakwegura dzinorangarira kuti vanhu vakawandisa zvikwereti zvemari mushure mekudengenyeka kukuru, iwe unogona kunge wakangwarira zvikuru pamabhanki. Kunyange muzana remakore rechi21, hazvisi zvisizvo kuti vanhu varambe kuisa mari yavo mumabhangi.
Pane kudaro, vamwe vachiri kusarudza kuchengetedza mari yavo mukuvanda nzvimbo dzakapoteredza imba kana mune safes.
Upenyu hahufaniri kuva nenzira iyi. Mushure mezvose, pane zviratidzo zvekutarisa kuti ibhangi iri mumatambudziko. Ngationgororei kuti munogona sei kuvimbisa kuti mari yenyu iri munzvimbo yakachengeteka.
Deposit Insurance
Chokutanga, unofanira kunge uine chokwadi chokuti 'mari yako yakachengeteka' iri munzvimbo yakachengeteka. Chimwe chezvinyorwa zvakasimba zvakachengetedzwa ndiyo inshurensi yakatsigirwa nehurumende yeUnited States. Kumabhangi, iwe unoda FDIC inshuwarisi. Zvikwereti zvekodheni zvinoshandisa NCUSIF inshuwarisi.
Iva nechokwadi chokuti unonzwisisa kukwana kwezvirongwa izvi. Iwe unogona kuramba uchirasikirwa nemari kana uine zvizhinji mune imwe sangano. Saka, kana iwe uchida kutora matanho ekuwedzera, tambanudza mari yako kumativi ose kuti uone kuti kana imwe bhanhire ichidzika pasi, mari yako yose haigone kurasikirwa. Kuvandudza kunzwisisa kwako kwokuti zvakataurwa pamusoro apa zvigadziro zvinoshanda sei nekukurukura zvinotevera:
- Iko NCUSIF Inishuwarenzi Mabasa
- Nhamba Yangu Yakachengeteka Here? (Bhizinesi, Zvibvumirano Zvekwereti, Mabhengi, uye Mazano Okurasikirwa)
Kana mari yako yakazara uye yakachengetwa zvakakwana, iwe hauna kunyanya kunetseka nezvazvo. Kana bhanhire rako richienda kumimba-gumbo, iwe ungangotadza kuona. Zvakanaka, saka unogona kuona kana nzvimbo yako yezvemari inoita nhau, asi mapurogiramu eDICIC neCNUSIF anochengetedza kuti iwe unogona kushandisa maakaiti ako, makadhi uye mawebsite pasina kukanganisa.
Pane kazhinji kacho chikonzero chekutora mari yako kubva kubhandi rakakundikana kana kupindira mubhangi rinoshandiswa. Sei? Kudzidza zvinoitika mumabhanki kukundikana kana kuti bhangi rinoshanda chii chichakupa pfungwa yakanaka.
Bank Ratings
Kana iwe uchida kudzivisa kukanganisa kwebhangi, unogona kuedza kudzivisa mabhenji asina simba. Kuti uone mabanki asina simba, chengetedza zviyero zvekuona kuti mabhanki ako kana chikwereti chekwereti yakarongwa sei. Zvimwe zvebasa rinobatsira zvakasununguka zvinosanganisira:
- Tsvaga maBhangi eBheti
- Bankrate's Safe and Sound Ratings
- BauerFinancial Inc.
Verenga Nhau
Kana uine mari iri panjodzi, unogonawo kutevera nhau kuti uone mabhengi angave ari pedyo nekukundikana. Zvechokwadi, hapana anoziva zvichazoitika nguva isati yasvika uye iwe ungatungamirirwa kutsauswa. Zvisinei, pane hurukuro yakawanda pamusoro peWashington Mutual uye Wachovia vasati vakundikana muna 2008.
Cherechedza kuti kana iwe wakanyatsogadziriswa, iwe unogona, chokwadi, usakanganwa nyaya uye uende mari yako kwairi. Rimwe bhengi richakutenga zvinhu uye iwe uchakwanisa kushandisa mari yako pasina kukanganisa mumatambudziko mazhinji. Kupindira mubhengi rinogona kubatsira kukurumidza kana kukonzera kukanganisa kwebhangi, uye zvinogona kungova kuparadza nguva yako.