Chii Chinonzi Payee?
Mubhadharo munhu kana sangano rinogamuchira mubhadharo. Mari iyo inogona kuva chero ipi zvayo, kusanganisira mari, cheki, kana kuwedzerwa kwemagetsi kwemari . Mutengi anogamuchira mubhadharo kubva kumubhadhari (kana kuti "mubhadha" kana iwe uchida), iyo ndiyo munhu kana sangano rinokonzera kubhadhara.
Muenzaniso wakafanana wemutengi unowanikwa mubhengi (pane cheki): mubhadharo ndiye munhu kana sangano kune cheko rakanyorwa.
Zita racho rinonyorwa pamutsara unoti "NGADZIRA KUZVIMA." Munhu iyeye (kana bhizimisi kana kuti risina purofiti) ndiye oga anobvumirwa kutaurirana cheki: vanogona kuisa , kuirima , kana kuisvitsa kune mumwe munhu zvimwe.
Somuenzaniso, tarisa mubhadharo wako (kana chero imwe cheki yaunowana). Iwe unofanirwa kuona zita rako pane cheki nokuti iwe ndiwe mutengi . Asi iyo ndiyo muenzaniso wakajeka nokuti cheki yakazadzirwa iwe. Zvakadini kana iwe uchifanira kuzviita? Ingoshandisa zita romunhu kana sangano raunoda kutumidza zita rake somutengi (zvimwe mu "payee" munda, kana kuti mberi kwechiteshi chako ).
Kana iwe uri kuisa mubhadharo yepaIndaneti kubva kuongororo yako yekuongorora, mubhadharo ibhizimisi raunoda kubhadhara (iwe unopa magetsi, somuenzaniso). Kupa ruzivo rwepayee zvinoreva kuudza bhadha yako iyo inowana mari uye kuti inotumira cheki. Zvechokwadi, iwe uchazofanirawo kupa ruzivo rwekutsvaga (sekuda kero yako kana nhamba yekambani) saka kambani yemagetsi inoziva uyo akatumira mari.
Muenzaniso: unonyora cheki kuti ubhadhara chikwereti. Muridzi weimba yako ndiye mutengi, uye iwe unonyora zita remwene weimba (kana zita rebhizimisi) pane cheki.
Mimwe mienzaniso yevaripi inosanganisira:
- Chero chero mupi webasa raunobhadhara kana uchibhadhara zvikwereti (simba, foni, chikwereti, kana inshuwarisi, somuenzaniso)
- Iwe, apo iwe unowana mari yakananga kubva kumushandi wako
- Chero ani zvake mutengesi unonyora cheki kuenda
Payee Endorsement
Kana cheki kana urongwa hwemari hunoshandiswa kubhadhara, mutengi anowanzofanira kutsigira cheki (nekusayina kana kudonhedzera kumashure kwe cheki ). Izvi zvinopa bhanhire kuunganidza mari kune mubhadhari. Pane zvimwe zvinhu (kufanana cheki uye mari maira ), uchaona chikamu che "Payee Endorsement," iyo inokuudza kuti kubvumirwa kunofanirwa kuenda.
Kana pane zvikwereti zvakawanda zvakanyorwa pane cheki , chero mumwe wavo mumwe nomumwe angakwanisa kutsigira cheki, kana vose vangave vachifanira kutsigira cheko (zvichienderana nekuti cheketi yakanyorwa sei).
Kamwe cheki inobvumirwa, mubhadharo anozvipa kubhangi kana chikwereti chekwereti chekuisa kana mari. Nzvimbo dzezvemari dzinobata zvose zvakasarudzwa kumashure (bhagheni rako richabata basa rokuunganidza mari kubva kubhangi iyo mari inoguma inobva).
Representative Payees for Social Security
Mune zvimwe zviitiko, kubhadhara Social Security (uye SSI) kubhadhara kunobhadharwa kune "mumiririri payee" panzvimbo yeiye munhu ari kuwana zvikwereti. Izvi zvinoitika apo Social Security Administration inofunga kuti munhu (mubhadhari) haagoni kukwanisa mari; mumwe munhu akaunzwa kuti abatsire nekutarisira mari.
Mumiriririri wepayee akafanana nemuenzaniso wepamusoro (munhu iyeye anogona kutaurirana necheki), asi vatariri vanomiririra vanoda kuchengetedza mari kuti vabatsirwe chaiyo mubhadhadzi. Izvozvo zvinoreva kuti mari inofanirwa kushandiswa pa (kana kuti yakachengetedzerwa) zvinhu zvinobatsira mubhadhari, uye mumiririri payee haagoni kuzviwanisa pfuma nemari iyo. Mamwe mashoko akawanda anowanikwa kubva kuSSA.
Mumiririri wemirepo aripo kubatsira rubatsiro rweHuman Security. Vanotora mutoro wemari yekuchengetedza mari kubva padhipatimendi rebatsiri (kuvanhu vanotongwa kuti havagoni kana vasingadi kuzviita ivo pachavo), zvichida nechinangwa chekuvandudza hupenyu hwomubatsiri. Kana mumiririri wako payee ari kuita chimwe chinhu chakasiyana, zivisa Social Security Administration pakarepo.