Yiyiphi i Payee?
Umvuzo ngumntu okanye umbutho ofumana intlawulo. Le ntlawulo ingaba nayiphi na ifomu, kuquka imali, isheke, okanye ukutshintshwa kweemali . Umboleki ufumana inkokhelo kumhlawuli (okanye "umhlawuli" ukuba ukhetha), ngumntu okanye inhlangano eyenza ukuhlawula.
Umzekelo oqhelekileyo we-payee ufunyanwa kwibhanki (kwisheke): umvuzo ngumntu okanye inhlangano ekubhekiselwe kuyo isheke.
Igama lomvuzo libhalwa kumgca othi "PAYELA KWEENKQUBO." Lowo mntu (okanye ishishini okanye engenzi-nzuzo) nguye ophela ogunyazisiweyo ukuxoxisana nesheke: bayayifaka , bayifake imali okanye bayibhalisele umntu enye.
Umzekelo, jonga i-paycheck yakho (okanye nayiphi enye isheke oyifumayo). Kufuneka ubone igama lakho kwisitshixo kuba ungumvuzo . Kodwa ngulo mzekelo olula kuba isheke sele sigcwaliswe kuwe. Kuthiwani xa kufuneka uyenze? Mnike nje igama lomntu okanye inhlangano ofuna ukuyibiza ngegama (mhlawumbi "kwintsimi" kwintsimi, okanye phambi kwetshekishe yakho ).
Ukuba ubeka iintlawulo zentlawulo ye-intanethi kwi-akhawunti yakho yokujonga, umboleki uyimfuneko ofuna ukuyihlawula (umnikezeli wombane, umzekelo). Ukubonelela ngolwazi lweentlawulo kuthetha ukuxelela ibhanki yakho efumana imali kunye nalapho uthumela khona iteksi. Ngokuqinisekileyo, uya kufuneka kwakhona unikezele ngolwazi lwenkcukacha (njengedilesi yakho okanye inombolo ye-akhawunti) ngoko ke inkampani yombane iyazi ukuba ngubani othumele imali.
Umzekelo: ubhala isheke ukuhlawula irente. Umnini-mnini wakho ungumhlawuli, kwaye ubhala igama lomnini womnini (okanye igama lomsebenzi) kwisheke.
Imizekelo eminye yeentlawulo zibandakanya:
- Naliphi na umboneleli wesevisi owuhlawulayo xa uhlawula iibhili (amandla, ifowuni, umboleko, okanye inshurensi, umzekelo)
- Wena, xa ufumana idiphozithi ngqo kumqeshi wakho
- Nabani na umrhweba ubhala isheke
Umvuzo wokuBala
Xa isheke okanye umrhumo wemali isetyenziselwa ukuhlawula, umvuzo ngokubanzi kufuneka uvume isheke (ngokusayinela okanye ukutshintshela umva wesiko ). Oku kugunyazisa ibhanki ukuba iqokele imali kwi-payee. Kwezinye izinto (njengokutshekisha kunye nemiyalelo yeemali ), uza kubona icandelo elithi "I-Payment Endorsement," ekwazisa apho ukuvunyelwa kuhamba khona.
Xa kukho iintlawulo ezininzi ezidweliswe kwisheke , nayiphi na enye yazo iyakwazi ukuvumela isheke, okanye bonke bafanele bavume isheke (kuxhomekeke kwindlela yokukhangela iteksi ibhaliweyo).
Emva kokuba ikhonkco ivunyiwe, umvuzo uyawubeka kwibhanki okanye umanyano weentengo zemali kwidiphozithi okanye ngemali. Amaziko ezezimali alawula yonke inxaxheba kwimvelaphi (ibhanki yakho iya kubamba umsebenzi wokuqokelela imali esuka kwibhankini leyo imali ekugqibeleni ivela kuyo).
Iintlawulo zoBume boKhuseleko loLuntu
Kwezinye iimeko, iintlawulo zentlalo ye-Social Security (kunye ne-SSI) zenziwe zihlawulwa "kummeli omele" esikhundleni somntu ngokwenene ofumana izibonelelo. Oku kwenziwa xa ulawulo loKhuseleko loLuntu lukholelwa ukuba umntu (umxhamli) akakwazi ukulawula imali; omnye umntu ungeniswa ekuncediseni ukuphathwa kwemali.
Ummeli omelayo ufana nomvuzo oqhelekileyo (loo mntu unokuthi athethe inkokhelo), kodwa iintlawulo ezimeleyo zifuna ukulawula imali ngenzuzo yomntu onokufumana umxhamli. Oko kuthetha ukuba imali kufuneka isetyenziswe (okanye igcinwe ngenxa yezinto) ezinceda umxhamli, kwaye ummeleli ongenakukwazi ukuzicebisa ngezo mali. Iinkcukacha ezingaphezulu zifumaneka kwiSSA.
Iintlawulo ezimeleyo zikhona ukuze kuncedwe uXhamli loKhuseleko loLuntu. Bawuthatha umthwalo wokuphathwa kwemali kwisitya somxhamli (kuba abantu abagwetywa bengakwazi okanye abangafuni ukwenza ngokwabo), mhlawumbi ngenjongo yokuphucula ubomi bomzuzi. Ukuba ummeli wakho owenzayo wenza nantoni na eyahlukileyo, yazise ulawulo loKhuseleko loLuntu ngokukhawuleza.