Mazororo eHurumende uye Mazororo eBhangi
Mazororo eBhangi anowiridzira mazororo anoziviswa ne Federal Reserve Board.
Pamazuva iwayo mazororo, mabhandi uye kambani yemakambani ehurumende vanowanzovharwa, uye mabhangi kubhadhara kubhadhara kuseri kwemashure. Zvisinei, mabhangi anokwanisa kutevera purogiramu yavo pachake, uye vamwe vanogara vakasununguka pamazororo kana kuchengeta zuva rezororo pane rimwe zuva.
Mazororo ehurumende anosanganisira mazuva ari pasi apa, kubva ku Federal Reserve Board:
2017 | 2018 | 2019 | 2020 | 2021 | |
|---|---|---|---|---|---|
| Goredzva | Jan 1 | Jan 1 | Jan 1 | Jan 1 | Jan 1 |
| Martin Luther King, Jr. Day | Jan 16 | Jan 15 | Jan 21 | Jan 20 | Jan 18 |
| Presidents Day | Feb 20 | Feb 19 | Feb 18 | Feb 17 | Feb 15 |
| Chirangaridzo Zuva | May 29 | May 28 | May 27 | May 25 | May 31 |
| Zuva Resununguko | Jul 4 | Jul 4 | Jul 4 | Jul 4 | Jul 4 |
| Day Labor | Sept 4 | Sept 3 | Sept 2 | Sept 7 | Sept 6 |
| Columbus Day | Oct 9 | Oct 8 | Oct 14 | Oct 12 | Oct 11 |
| Veterans Day | Nov 11 | Nov 11 | Nov 11 | Nov 11 | Nov 11 |
| zuva rekutenda | Nov 23 | Nov 22 | Nov 28 | Nov 26 | Nov 25 |
| Krisimasi Zuva | Dec 25 | Dec 25 | Dec 25 | Dec 25 | Dec 25 |
Mabhirikiti eBhangi anogona kusiyanisa kubva kumahofisi ehurumende. Bbazi reBhangi rinogona kuzarurirwa bhizinesi pamazororo, asi zvakanakisisa kutarisa usati waita rwendo.
Dzimba dzekufonera dzinowanzove dzakasununguka pane dzimwe nguva dzezororo, asi basa revatengi rinogona kunge risina mano akakwana ekushandira zvido zvako, uye madhipatimendi akajeka anowanzova kunze kwehofisi.
Chikonzero nei mazororo ehurumende ari nyaya: Kana bhangi yakazarurirwa muzororo yepaFederal, bhagheni inogona kugamuchira zvigadziro, kutora mvumo yekubhadhara, nezvimwewo.
Asi kubhadhara kushandiswa kuburikidza neFederal Reserve Bank hakuwaniki, uye ACH zvikwereti zvakare zvakare. Somugumisiro, zvimwe zvikwereti ( semapepa chekuongorora ) zvinosungirirwa kusvikira zuva rebhizimisi rinotevera. Nokuda kwekutengesa kunotora mazuva mazhinji ebhizimisi kuti uite, mazororo ehurumende uye vhiki dzevhiki hazviverengi semazuva ebhizinesi.
Mazororo pamagumo ekupedzisira: Kana festi yefesheni inowira musi weMugovera, bhandi rako rebazi uye mamwe mahofisi eHedge Reserve vachengeta Chishanu. Apo mazororo anowira musi weSvondo, mabhanga uye Federal Reserve mahofisi zvinowanzovharwa neMuvhuro unotevera. Mazuva evhiki iwayo angasaverengeka semazuva ebhizinesi.
Bhizimusi Mazororo Aripo Zvinetso
Pazhinji mazororo ebhagheni, hauzotombocherechedza kuti kubhadhara kwekubhadhara kwakagadziriswa. Zvisinei, kana uri mubhadharo shoma shoma kana iwe uchida mari nokukurumidza, mazororo anogona kukudzivisa kuita zvaunoda kuita. Somugumisiro, zvinobatsira kuti zvinhu zvigadziriswe mberi kwemazororo uye mazororo evhiki.
Dzimba dzinenge dzisina kuwedzerwa ku-akhawunti yako pamazororo ebhengi. Kana uchida mari yekufambisa kwezororo kana zvimwe zvido, izvi zvinogona kukonzera matambudziko. Nhau dzakanaka ndeyokuti kubuda kwemagetsi kwekombiyuta kubva kubhuku rako kunofanira kumira zvakare munguva yezororo.
Kana uchida kuisa cheki, shandisa purogiramu yako yebhandi yefoni kuti uise chekiti pasati yemazororo (musi weChishanu usiku, somuenzaniso). Izvo zvibvumirano zvinowanzobvumira nguva dzekugurwa-gare gare-mamwe mabhishopu inoshandiswa inoshandiswa ne 9 pm Eastern.
Deposit clearing inononoka munguva dzezororo. Paunoisa mari muakaunti yako ne cheki, bhagheni inogona kubata mari iyo kwemazuva akawanda ebhizinesi , uye iwe haugone kushandisa mari iyo kusvikira chigadziriswa. Zororo rinowedzera rimwe zuva remabhizimisi panguva yako yekumirira. Official checks uye tambo inoisa pachena zvakajeka nekukurumidza .
Payroll inogadzirirwa kwemazororo. Kana iwe uchibhadharwa nemari yakananga kubva kune waunoshandira , iwe unogona kumira kwenguva refu nokuda kwehomwe yako. Vashandi vanobvumirwa kuronga mubhadharo wekubuda kunze kwemazororo ebhengi, asi havakwanisi kuita kudaro.
Kodhidhi yebhadhiyo inobva kubhuku rako yakanonoka. Panyaya yakajeka, iwe uchava nemari yakawanda inowanikwa munhoroondo yako yezororo. Zvisinei, izvi zvingakonzera kuti iwe uite zvikwereti zvekupedzisira uye utarise mari yekupedzisira kana zvimwe zvikwereti. Iwe haugoni kutumira kutengesa kutengesa pazororo, asi iwe unogona kazhinji kutumira chikumbiro chetambo kuti uende kunze kwezuva rebhizimisi rinotevera.
Mari yekubhadhara haitorwi pamazororo kana mumazuva apo mazororo anoonekwa. Kana iwe kutumira mairi mubhadharo, izvo zvingasava dambudziko, asi chengetedza zvinyorwa zvemhando yekodhi iwe uri kuripa. Pasi pemutemo wezvematongerwo enyika, makadhi emari ekubhadhara nemishumo anofanira kuverengwa se-nguva iyo inogamuchirwa ne5 masikati pazuva rebhizimisi rinotevera mushure mezororo (nokuti hapana mavhesi emusika pamazororo). Zvisinei, kana iwe uchiita zvekugadzirwa kwemagetsi, bhadha yako inofanira kunge iripo musati mabiko acho.
Matavi anowanzovharwa pamazororo, asi mabhandi emunharaunda anogona kunge ane holide uye maawa ekupera kwemaawa. Kana uchida kuwana chekoni yekodhi kana kutarisira mamwe mabasa, zvichida zvakanakisisa kuzviita mberi kwenguva. Izvozvo zvakati, dzimwe nguva matavi anovhurwa neMugovera wevhiki yezororo, achikupa mukana wekupinda mukati uye kutarisira bhizinesi. Kana iwe uchida mari yekuraira , iwe unowanzoita kuti uwane avo kubva kune vatengesi uye mabhizimisi anonyanya kugadziriswa anowanzoshanda gore rose. Kana bhanhire rako richiitika kuti rizarurirwe muzororo, iyo hovha ichiripo haingaverengi zuva rebhizimisi rekuchenesa mari.
Vatengesi vangave vashoma pamari. Mabhizimisi nevamwe vatengesi vanofanira kuronga mabhengi kuti agare akavharwa munguva dzezororo, kunyanya kana hovha iri kunyanya kubatikana nevatengi vanobhadhara mari. Mari yemari yakawanda uye mari inogona kuuya inobatsira, asi inogona kuva nengozi yekuchengeta mari yakawanda pamaoko.
Zvimwe zvikwereti hazvizobudiswi. Kubhadharwa kwemabasa, kubhadhara, uye zvimwe zvikwereti hazvina kubhadharwa panguva dzezororo. Nenzira yakanaka, vazhinji vanobvumira vanobhadhara zvikwereti kuti vasvike musi webhizimisi unotevera mushure mezororo.
Kushandisa Inhoroondo Yako
Pasinei nematambudziko ari pamusoro apa, unogona kushandisa maakaunti ako-kunyange pamushure memazuva akawanda ehotera. Mobile apps uye mawebsite zvinokubvumira kuona mabhizimisi e-akhawunti uye kukumbira kuwedzerwa kana kubhadhara mari yezuva rebhizimisi rinotevera. Iwe unogonawo kushandisa bhadhiro yako nekadhi rechikwereti paIndaneti uye mu-munhu-kutenga, asi bhaari yako iripo inogona kuchinja mushure mezororo.
Kana iwe uchida kuwedzera mari kuakaunti yako uye hovha iri kuuya, isa mari kana kukumbira kuti mumwe munhu aite kutengesa muakaunti yako. Izvo zvigadziro zvinofanira kuwanikidzwa kuti zvipedze mukati mezuva rimwe remabhizimisi. Dare rekuongorora uye USSP nemari yemari inojekesa nokukurumidza, uye kutumira mari yekubhadhara yako inofanira kuwanikwa mukati mezuva rimwe bhizinesi, uye iwe waunoshandira angatoisa mari kare kare.
Nzira Yokubhadhara Bhiri Nokukurumidza
Kana zororo richizoita kuti iwe urege kubhadhara mari, iwe unogona kuva nemikana yakawanda yekuita zvikwereti zvishoma.
- Bhadhara mupi anowanikwa paIndaneti: Vatapi vebasa, zvakadai sevashandi kana makambani emakambani, kazhinji vanobvuma mari yeInternet nemusi iwoyo kubhadhara. Panzvimbo yekubhadhara nzira yaunowanzoita, enda kune webhusaiti yebasa rebasa, pinda iwe ku-akhawunti yako, uye ona kana iwe unogona kuita pakarepo kubhadhara. Ita kuti nhamba yako kadhi nhamba kana ruzivo rwebhangi yebhangi ishande kuti upedze kubhadhara.
- Bhara nefoni: Iwe unogonawo kubhadhara nefoni. Panzvimbo yekufungidzira zita rako rekushandisa nephasiwedi, iwe uchagara wakabata, asi mugumo waro wakafanana.
- Chengeta uri munhu: Kubasa remunharaunda, zvingave zvichikwanisa kushanyira nzvimbo yekubhadhara uye kubhadhara mubhadharo iwe pachako isati yatanga hovha. Imwe mari yekufambisa mari uye zvipasitesi zvinokubvumirawo kubhadhara zvikwereti nevatapi venyika mumunhu.
- Kubhadhara mari yepaIndaneti kuburikidza nebhangi yako: Kana iwe uine rimwe zuva kana maviri musati wapera zororo, bhadha rako rekubhadhara mari yepaIndaneti rinogona kushanda. Isai mubhadharo uye mukumbirire kubhadhara pavanokurumidza kuvepo zuva. Mune zvimwe zviitiko, iwe uchada kubhadhara mari yekubhadhara mari, asi mari yacho inofanira kunge iri pasi pechipi zvacho chechirango kana kuti nguva yekupedzisira.