Chii chinonzi check checked?
A checked check check is check with future date written on it.
Somuenzaniso, funga kuti nhasi musi waJanuary 1 uye iwe uri kunyora cheki. Pakati pese, iwe unogona kuisa musi wezvino (January 1 st ) pane cheki. Asi iwe unogona kunyora nyore nyore kunyora zuva revhiki rinotevera pane cheki uye unoti iwe wakanyora musi waJanuary 8 th . Mune mamwe mazwi, iwe unogona kutumira cheki.
Vanhu vanowanzotarisa chekuongorora kana vachida mupiki (munhu kana bhizinesi achiwana kubhadhara, anozivikanwawo seyeye ) kuti amirire asati agadza cheki. Zvimwe zvikonzero zvinokonzera izvi zvinosanganisira:
- Mutori wenhokwe haana mari yakakwana yekuwanika paanonyora cheki, asi mari iyo ichawanikwa panguva yemberi.
- Mutori weko chekubhadhara ari kubhadhara chimwe chinhu mberi kwenguva - kusati kwabhadhara chikwereti kana basa rapera, somuenzaniso.
Ndiyo Mutemo weChipfupa Chekuongorora?
Hapana kunyengedzwa kwakabvumidzwa: Hapana mutemo unoita kuti vashandise kutengesa zviri pamutemo. Hazvisi pamutemo kuti unyore cheke kana iwe uchiziva kuti hauna mari yekuifukidza, asi zvinhu zvinowanikwa zvishoma-uye zvakadzama zvinoenderana nemutemo wehurumende - paunotumira cheketi (uchifunga kuti inogamuchirwa semutengo).
Zvinotenderwawo kuti uitire munhu anokutengesa chimwe chinhu achizvifananidza kubhadhara asi asingatombobhadhari (kana kuva nechinangwa chokudaro).
Kwete chibvumirano chakanyorwa: Sezvo nokuti zviri pamutemo hazvirevi kuti zvinhu zvichashanda nenzira yawakaronga: Zuva raunosarudza kushandisa haisi chikamu chebvumirano chepamutemo pakati pako nemunhu wawakanyora cheki.
Muzviitiko zvakawanda, mupiki anogona kuisa cheki chero nguva. Kunze kwekuti iwe ukamisa zvinhu zvakakwana nebhangi rako, bhangi iripo kubhadhara mari kubva kune yako kambani pasati rasvika musi waunofunga.
Bvunza kutanga: Chii chinowedzera, chekuongorora chinyorwa chingave chisiri chekubhadhara kwakagamuchirwa. Iwe unobvumirwa kuedza kubhadhara ne chechi chinyorwa, uye mabhizimusi anobvumirwa kuramba zvikwereti izvozvo nekuti iwe hauna kunyatsoita kuti uwane pachena uye pachena. Kana ukaronga kunyora cheki chinyorwa, bvunza mvumo usati wadaro. Kana chikwereti chako chakarambidzwa, ungasakwanise kutenga chigadzirwa kana basa raunoda, iwe ungatofanira kubhadhara mari yekubhadhara nguva pfupi, kana pane zvimwe zvingava nemigumisiro. Somuenzaniso, IRS kazhinji haigamuchiri kuongorora postdated, saka iwe unogona kutarisana nemitero yemitero uye kufarira kana kubhadhara kwako kukundikana. Saizvozvowo, dzimwe dziyunivhesiti hazvizogamuchiri cheki, saka zvinetso nekunyora (pakati pezvimwe zvinhu) zvinogona.
Iwe unogona kutenga chekuvharidzirwa chinyorwa musati wasati waratidzwa zuva?
Muzviitiko zvakawanda, unogona kuisa kana kutenga mari yekuongorora chinyorwa kare. Vateresi vateresi nemamwe mabhizimusi vanogona kubvumirwa kushanda cheki isati yasvika musi wekutengesa, asi vanhu vazhinji vakasununguka kutora matanho ekudzoka kubhangi pakarepo.
Izvozvo zvakati, kana iwe wakabvuma kumirira usati watenga cheki, zvingave zvisiri pamutemo kuti uite zvimwe.
Bvunza kuti sei: Kwakachenjera kukurukurirana neavo vakanyora cheki-pane imwe nguva chikonzero chacho chakasimwa. Kana iyo kambani isina mari yakakwana, cheki inogona kutonhora, uye iwe unogona kubhadhara mari kubhengi yako. Iwe unogona kuedza kuwana iyo mari inobhadharwa nemunyori wekutarisa, asi kuunganidza kubva kune mumwe munhu anenge atova pfupi pamari inogona kuva nguva inopedza uye inodhura (zvingada kuti iwe utore mutemo wepamutemo). Tsvaga kana cheki yacho yaive yakarongedzwa, uye ona mhinduro.
Mabhangi (muUnited States zvichida) anowanzobhadhara pane zvinyorwa zvakatumirwa kunze kwekuti muchengeti wekutsvaga wekambani akatora matanho chaiwo achivarayira kuti varege. Zvisinei, vanhu vazhinji havaiti izvi, muchidimbu nokuti mabhengi anotengesa mari yakawanda yekuongorora iyo account uye kudzivirira kubhadhara zuva risati rasvika.
Kushandisa kana kuisa cheki: Kubhadhara chekuita chinyorwa kunogona kuva dambudziko. Nokuti pane zvingaita kuti cheki yacho isasanzwisise, iwe unogona kuva nerombo rakanaka riri kuisa cheki. Izvo zvinobvumira bhengi rako kuti riise mari pane kubhadhara mari pakarepo. Kana iwe uchida chaizvo kutenga mari yekutsvaga kwekodhi yemari yakazara, uende nayo kubhangi rakabudisa chekuongorora-apo munyori wekuchecheche ane chinyorwa chekuongorora.
Mune zvimwe zviitiko, kutariswa kwemashure kunowanikwa, uye hapana munhu akambotarira (havatarise zuva racho). Kunze kwekunge kune dambudziko kana kunyunyuta, izvozvo zvinongororwa uye zvakanganwika pamusoro.
Zvaungaita Postdate Check
Kunyorera cheki, shandisa zuva remangwana pane cheki che dateline .
- Kurukura nemutengi wako pamusoro pezvaunoda uye zvinotarisirwa zvekuti kana cheki inogona kuiswa.
- Kumbira bhadha yako pamusoro pezvaidiwa uye mari yekutumira cheki.
- Tanga kunyora cheki sechinhu chipi nechipi chekuongorora .
- Nyora zuva remangwana pane dateline.
- Chiratidzo uye upe cheki.
Bvuma nebhangi rako: Kungonyora zuva remangwana hakurevi chinhu. Kunyatsodzivirira mari kubva pakubhadharwa kubva kubhuku rako musati wasarudza musi, shandisa bhanki yako usati wanyora cheki. Bvunza zvaunoda kuita kuti uone kuti cheki haisi kushandiswa usati wakagadzirira - kunyanya kana iwe usingavimbi mubhadha. Kazhinji, iwe uchafanirwa kupa mirayiridzo yakanyorwa, uye bhenji rako rinogona kukuudza kunyatsozviita. Kumbira pamusoro pemari ipi inobatanidzwa, uye tarisira kubhadhara $ 30 kana zvakadaro.
Tumira chikumbiro chakanyorwa: Kuumba chikumbiro chako, unogona kugovera kupa mirayiridzo yakanyorerwa kubhangi rako. Zvinotarisirwa zvinoenderana nehurumende yako uye bhagheni yako, saka dzidza mitemo usati wanyora chekuvharwa. Mirayiridzo yemitemo inogona kuva yakakodzera kwemazuva gumi nemana, uye iwe unogona kuwedzera nguva yako yekuongorora bhanhire kwemwedzi mitanhatu nemirairo yakanyorwa.
Kukurukurirana kunoponesa mari: Iyowo pfungwa yakanaka yekukurukurirana nemunhu wose waunopa cheki. Iva nechokwadi chekuti vanoziva kuti cheki yacho yakaderedzwa, uye chengetedza kuti izvi zvinogamuchirwa. Kana vakaisa cheko chekare kare uye bounces, bhenji renyu richakubhadhara mari yakakwana yekubhadhara (kana kuti overdraft zvimhosva, zvichienderana nebhuku rako ). Bhizimusi rebhengi richabhadharawo mari, uye iwe unogona kubhadhara mari kana zvimwe zvikwereti zvekubhadhara ne chekuita chakaipa (mari yekupedzisira inogona kunge inogona kunge iwe iwe kana iwe uchibhadhara usingashandisi nenguva).
Ndiani anopa kana pane dambudziko? Kubhadharwa kubhadhara (kana kuregererwa kusingatarisirwi kubva pakero yako yekuongorora) kunogona kukonzera zvinetso zvakawanda. Kana iwe ukapa mirayiridzo kubhengi rako uye ivo vachibhadhara mari kubva kubhengi yako, bhangi rako rinofanira kutarisirwa kubhadhara chero zvikwereti zvebhadharo zvinokonzera, uye iwe unogona kuwedzera kubhadhara kubhengi rako kune dzimwe mari yaunosangana nayo.
Zvimwe Zvimwe Zvokupedza Post Cheating Checks
Kana iwe uine sarudzo, zvakanakisisa kuti usazvinyora kuverenga postdated checks. Nzira chete yekuvimbisa kuti ivo vachanyatsoshanda ndeyekubhadhara mari yakawedzerwa kubhengi renyu. Kana iwe usingadi kana kuti usingakwanisi kubhadhara bhangi rako kuti uongorore akaunti yako, uri pane ngoni kune ani zvake waunopa cheki. Kunyange kana mutengi wako akatendeseka, vangaita chikanganiso chakakanganwa chokukanganwa (uye kukusiya iwe nemari yakaipa chekuongorora).
Kazhinji zvinotumirwa zvinoshandiswa nokuti iwe uri pfupi pamari - uye ndiyo nguva yausingakwanisi kutenga mari yakawedzerwa.
Panzvimbo yekunyora chekuita chinyorwa, edza zvinotevera:
- Kana uri kutumira cheki chekuita nguva kana kuti zvikonzero zvingave zvakanaka (sokunge iwe uchange usiri kunze kweguta uye usingakwanisi kubhadhara kana iwe kazhinji uchiita), ronga mubhadharo kuburikidza nebasa rebhengi rebhadharo rekubhadhara pamutambo.
- Kana uchida mazuva mashomanana okuwedzera kuitira mari kuti ubudise mubhuku rako, bvunza mubhadharo wako kune rimwe zuva rekubhadhara. Vamwe mabheji anofara kuronga zuva rekubhadhara rinoshanda zvakanaka nemari yaunowana (ivo vachaita zuva rako rakakodzera mazuva mashomanana mushure mokunge mari yako yakatarisa inowanzopinda).
- Zvinyorwa kuti uzviite zvekugadzira zvekugadzirwa kwemagetsi - asi chete kana iwe uchivimba nemutengi. Mabhizimisi asina kuvimbika kana asina kukanganisa anogona kuita kuti urege kubvisa kubva kubhuku rako usati wakagadzirira.