Into ebaluleke kakhulu ukwazi ukuba ukulahleka imali kulula ukuyifumana kwaye kukufanele ukufuna.
Yonke into oyifunayo iyafumaneka ngaphandle kwentlawulo , kwaye kulula ukwenza konke ngokwakho.
Kutheni Imali ilahleka
Xa amabhizinisi okanye neminye imibutho ibamba impahla yakho, kufuneka ukuba ilandele imithetho ethile. Kwinkoliso ezininzi, oko kuthetha ukuthintana kunye nawe kwaye kukuvumela ukuba uthathe oko kukukho. Kodwa loo mngeni - umzekelo, xa umntu ehamba okanye efa, okokuqala kungenakukwazi ukwazisa wonke umntu ngedilesi entsha yeposi. Emva kokuhamba kwesibini okanye ezimbini, usenokulibala malunga neengxelo ezimbalwa.
Xa ama shishini alahlekelwa ukunxibelelana nabanini-akhawunti, kufuneka bajike nayiphi na impahla kwilizwe. Kwiindawo ezininzi, iminyaka emibili ukuya emithathu yokungasebenzi okanye i-mail ebuyisiweyo iya kufuna ukuba i-asethi ihanjiswe (okanye ihlolwe). Ngokufanayo, ukuhlolwa okubhalwa kuwe - ukuba awuzange uqhube okanye ufumane - kuseyipropati yakho kwaye uvunyelwe ukubiza loo mali nangona ukuhlolwa kuhambe.
Kutheni i-state ithatha impahla yakho? Iingcamango kukuba amazwe kufuneka alondoloze iimpahla ngenxa yokuba abanokuthintela ukubuyisela imali ebantwini. Kungenokwenzeka ukuba urhulumente unayo imithombo yokulawula ipropati engaziwayo kwaye iya kuhlala ikhona ngonaphakade, ngelixa ishishini lingenakuze lize lize lilingeke ukuba lisetyenziswe ngemali ngexesha elinzima.
Nangona ininzi imali elahlekileyo ingabanye abantu, amashishini anokuphangela kunye nokubamba iifa elilahlekile.
Indlela yokuFumana kunye nokuBala iiAfa
Ukufumana imali kulula, kwaye unokukwenza ngokwakho. Qala ngokukhangela i-asethi ephendulelwe kunoma yiphina imeko owake wahlala kuyo (iimpahla zijikelele kwilizwe kunye nedilesi yakho eyaziwayo yokugqibela). Kukho iinkonzo ezininzi zamahhala ezenza ukukhangela lula, kuquka:
- I-MissingMoney.com - ifaka idatha ukusuka kwiindawo ezininzi zase-US, ePuerto Rico, nakwiindawo zaseCanada
- Unclaimed.org - idibanisa ngqo kwizahlulo zepropati ezingenakunikwa nawuphi na ummandla (okanye unokwazi nje ukukhangela iofisi ye-Ofisi yeZakhiwo ezingabhalwanga)
- USA.gov - ukukhangela i-asethi karhulumente kunye noorhulumente bamazwe angaphandle
Ukuba ufumana i-asethi egameni lakho, kuya kufuneka ugcwalise ifom okanye isicelo se-inthanethi ukwenza ibango lakho. Eli bango liya kufuna ukufaka ubungqina besazisi (ilayisenisi yokuqhuba okanye ipasipoti, umzekelo), nawaphi na amakheli asekuqaleni oye wasebenzisa, kunye namaxwebhu abonisa ilungelo lakho lobunikazi beempahla. Ukuba umnini uswelekile kwaye uzuze ifa, amaxwebhu angeziwe ayadingeka.
Ukuba awukwazi ukufumana imali oyaziyo ilahlekileyo, qhagamshelana nombuso wakho kwaye ubuze malunga nezinye iindlela zokuphanda.
Kungenzeka ukuba imali yakho ayibonakali kwiinkcukacha ze-intanethi ngokuchanekileyo.
Ngaba kufuneka uyihlawule i-Finder?
Uluhlu lwepropati engalawulwayo lufumaneka ngokukhululekile, ngoko kuya kwenzeka ukuba umntu akufumene ngaphambi kokuba ufumane imali yakho. Kwiimeko ezininzi, lawa ma shishini abucala aziwa ngokuba "abafunyanisi" abanethemba lokufumana ingeniso ngokudibanisa ngemali yakho. Uninzi lwaorhulumente boorhulumente abanakuqhagamshelana ngqo nawe-abanalo izixhobo zokukulandela phantsi baze bafikelele.
Ukuba ufuna ukuhlawula umfunyanisi, ukhululekile ukwenza njalo ukuba ucinga ukuba banikeze inkonzo encedo kuwe. Kodwa akukho nto imfuneko ukuba uhlawule umrhumo wokubuyisela iimpahla kwilizwe lakho-kwaye unokwenza konke okufunayo kunye neempendulo ngokwakho mahhala.
Ukuba umntu udibana nawe malunga nemali elahlekileyo, yenza uphando ngaphambi kokuba unikezele nayiphi na intlawulo okanye ulwazi lomntu siqu .
Ezinye zezi ndlela zivumelekile, kodwa ezinye zihlazo. Baya kugqiba ekubeni yinkcitho yemali kwaye banakhokelela ekubanjweni kwezazisi. Kwakhona, qhagamshelana neofisi yePropati yakho yePropati engavumelekanga phambi kokuba uqhube phambili.
Uya kuthini na?
Kwiimeko ezininzi, uya kufumana ixabiso leempahla zakho xa ziphendukele kwilizwe-kwaye akukho nto. Ukuba imali isetyenzisiwe kwiimpahla ezithengise ixabiso lentengo emva kokungabikho, ungafumani ithemba lakho: idla ngokuthengisa impahla kwaye iguqula imali ibe lula ukulawula. Kwakunjalo ukuqokelela kunye neengubo-ke kutheni kungcono ukugcina ithrekhi esondeleyo yezinto kunye nexabiso lentengo (iintsapho zeendlalifa kunye nezinto ezizodwa, umzekelo). Iibhokisi ze-deposit box ephephile zigcinwa ngamanye amaxesha, kodwa izinto ezininzi zithende kwaye uza kufumana ukuthengisa.
Kuthiwani malunga nomdla owenziweyo kuloo mali kwiminyaka yonke? Ungamangaliswa ukuba awufumani nanye. Ukuba kukho nayiphi na induduzo, abanye bathi basebenzise inzala kwimali yokuxhaswa kweenkqubo ezixhamla abahlali abanomvuzo ophantsi.
Ziziphi iintlobo zeeAfa ezilahlekileyo?
Unokucinga ukuba uye wagcina yonke into, kodwa iintlobo ezahlukeneyo zeempahla zingaguqukela kwipropati engaziwayo. Naluphi na uhlobo lwe-akhawunti yezimali, kunye nayiphi na intlawulo ongazange uyifumane (okanye uhlolisise owamkelekileyo kodwa ungazange ubeke kuyo) kungenzeka ukuba uphume khona. Imizekelo ibandakanya:
- Ukuhlola nokugcina i-akhawunti
- Iingxelo zemali yokurhweba kunye nomhlalaphantsi
- Iinshurensi
- Iingxelo zeeskrow
- Ingqesho yomvuzo
- Izahlulelo
- Iintlawulo zempesheni
- Ukubuyiswa kweRhafu
- Iintlawulo zemali
- Okubhaliweyo kwebhokisi yepositi
- Iziqinisekiso zeDistim (iiCD) ezikhula iminyaka emininzi edlulileyo
- Kwaye nabanye