Pros uye Cons of Convenience
Chii Chinotarirwa Kumari?
Cheko inobhadharwa mari ine shoko rokuti "Cash" panzira iyo iwe kazhinji unyorera zita rako . Nemhaka yokuti cheki haibhadharwi kune mumwe munhu kana sangano, ani naani ane cheki anogona kutenga mari kana kuisa cheki.
Kazhinji kuongorora kunobhadharwa kune mumwe munhu. Chimwe chikamu chekunyora cheki chinonyorwa kuti ndiani anofanira kuwana mari. Nhanho iyoyo inoita chekete yakachengeteka kupfuura mari nokuti chete anonzi muyee anobvumirwa kuisa kana kutora cheko (kunyange zvingasayirwa kune mumwe munhu, izvo zvatichakurukura pasi apa). Cheko inobhadharwa kune "Mutakuri" inoshanda nenzira imwecheteyo: chero munhu anotakura (kana kuti "kutakura") rugwaro runogona kuirima.
Kuti unyore rudzi urwu rwe check, ingonyora "Cash" pane kunyora mutengi.
Kungofanana neCash
Cheko inobhadharwa mari (yakawanda kana zvishoma) semari - chero ani zvake anogona kuishandisa. Kana cheki yacho ikarashika, ani naani anoiwana anogona kuitenga kana kuiisa kunze kwekuti iwe urega kubhadhara pa cheki kutanga. Saizvozvowo, mupiki anogona kupa cheki kune mumwe munhu.
Sei Uchinyora Kuongorora Mari?
Unknown payee: kunyora cheki inobhadharwa mari ndeye sarudzo yakagadzikana kana iwe usingazivi kuti ndiani anoita cheko inobhadharwa. Semuenzaniso, unogona kuziva kuti iwe unoda kunyora cheki chechimwe chikwereti asi iwe hauna chokwadi nezita rako chairo .
Iwe unogona kunyora cheki, slipira muhomwe yako, uye siya ibhuku rako rekuongorora kumba.
Kuzvipa iwe: unogonawo kushandisa "mari" kana uchida kunyora cheki iwe pachako uye uwane mari. Asi zvichida zviri nyore kungosiya mari kubva kuATM ( haungashandisi cheki, uye haufaniri kumirira mutauri).
Sei Uchifanira Kubhadhara Mari?
Dambudziko rebhizimisi: cheko rinokweretwa nemari inowanzova pfungwa yakaipa nokuti iwe hauna kutonga kune uyo anoisa kana kutema cheki. Kana ikarasika kana iyabiwa, iwe nebhangi rako unofanira kuchengeta ziso kunze kwekutengesa kwenhema. Kana iwe usingakwanisi kuitora panguva, iwe uchafanira kutora mutemo kune avo vanoisa cheko chekudzorera mari yako. Kunyanya kana uri kutumira cheki kuburikidza ne mail (kana kuva nebhangi rako rekunyora uye mail mail chekombiyuta pamutambo webhadharo ), pane mukana mukuru wevhavha.
Hesitant mabhenji: mamwe mabhanki haadi kuongorora kunobhadharwa mari, ndicho chikonzero chekudzivisa kushandisa. Mabhanji angaramba kubvuma kukudzwa zvachose kana kuisa nguva yakareba pamari . Mabhangi anogona kukwanisa kupa cheki inobhadhara mari. Somuenzaniso, kana uri kutenga motokari yakashandiswa kubva kune mutengi asingazivikanwi, mabhanhire haadi kutsvaga chekuchengeti checashier kunze kwekuti iwe une zita rakananga remutengi.
Bhuku rekutsvaga: cheko risina mutengi rinoita kuti zvive zvakaoma kuchengeta zvinyorwa uye zvinyorwa zvekutengesa. Zvichiri kugoneka, asi zita romutengi mukunyora kwako pachako rinogona kuita kuti zvinhu zvive nyore. Iwe haufaniri kuongorora chimiro chomunhu chero upi zvake kana kushamisika kuti ndiani akanyatsowana mari yako.
Mazano ari nani? Panzvimbo yekunyora cheki kuti ani naani anogona kutenga mari, ingosiya payee line pasina. Kana wakaziva kuizadza zvakakwana, unogona kuzadza payee. Cheko yakagadzirwa nemari ndeyekuchengeteka se cheketi nezita remutengi risina chinhu chero ripi zvaro - chero nzira, inobvumirana nemunhu chero upi zvake (asi iwe pachako haisi kuzova kunyora kwako kana mumwe munhu achibira cheki uye azadza nezita). Imwe nzira inoshandiswa ndeyekuti uone chekiti inobhadharwa iwe pachako uye isayina chekuvhara kune ani nani waunoda kana iwe wakaziva wauri kutarisana naye. Nzira iyo iri nani kubva pakuona kwekuchengeteka, asi dzimwe nguva mabhanki haadi kuongorora izvo zvakasayirwa pamusoro (izvo zvinoreva kuti iwe unofanira kutanga kutanga).
Kuderedza kuongorora kunobviswa kuCash
Kana ukawana cheko inobhadharwa mari, ingoiisa sokunge iwe waizoita chero chekuongorora.
Bvumira nekusayina shure ne nhamba yako yebhuku , uye ugoiisa kubhangi rako. Kana iwe uchida kutenga mari yacho (pane kuisa iyo ku-akhawunti yako) unogona kuenda kumabhangi ayo mari inotorwa. Tarisa zita rebhangi pane cheki uye owana davi riri pedyo.
Gara uchiyeuka kuti mabanki anowanzoramba zvitsva izvi kana kuti zvinoda nguva dzakawanda. Kana zvichibvira, kumbira kuti chero tsvakiridzo yawakagamuchira inosanganisira zita rako kana zita rako rebhizimisi. Ipa mirayiridzo yakajeka kune ani zvake ari kunyora achicheka kwauri kuitira kuti varege kuedzwa kuti vatore zvishoma.