Imirhumo yeMyalelo yeMali

Ukuchonga Inkohliso kunye nemiyalelo yeMali yeNkohliso: Zikhusele

Imirhumo yemirhumo yemali iyaqhelekileyo xa kuthengwa okanye kuthengisa i-intanethi. Ngaphambi kokunikezela ukuthengiswa kwempahla okanye imali, qiniseka ukuba ujongana nomthengi osemthethweni-kwaye uqaphele xa umntu ecela ukuba uthumele imali emva kokukuhlawula ngemali.

Inkokhelo yemali yenkohlakalo iyona hlobo oluqhelekileyo lwe-scam, njengoko abathengisi bayithumela impahla okanye umnxeba ngemali "kumthengi" onguhlobo lomculi. Ngethuba le bhanki lifumana ingxaki, liphuzile kakhulu ukufumana iimveliso okanye iimali.

Kodwa unako ukukrazula xa ungowokuthumela umyalelo wemali.

Kutheni i-Money Order Scams Work

Iimali zemali zihlala zikhuselekileyo iindlela zokufumana iintlawulo-xa zivumelekile. Ngelishwa, olo lwazi lokhuseleko lunokubangela ukuba abamukeli banqabile. Le mi qhwaba isebenza ngenxa yokuba ukholelwa ukuba uhlawulwe kwaye iilawutyala zemali zilungile njengemali. Enyanisweni, ufanele uhlale uphatha i-oda yeemali ngokulumkisa, okufana nokuba uya kuhlola kunye nezinye iintlobo zokuhlola.

Iimpawu zoMyalelo weMali oyiNqobo

"Ukugqithisa" ukukhwabanisa: Indlela eqhelekileyo ibandakanya uphando kumntu osekude-elinye ilizwe okanye ilizwe. Umntu uyavuma ukuthenga into yakho, kodwa xa uhlawulelo lufika, ngumyalelo wemali okungaphezulu kunokuba kufanelekile. Kutheni bahlawula imali? Umthengi uya kukucela ukuba uthumele imali engaphezulu-ngaphezulu nangaphezulu kwexabiso lakho lokuthengisa-kwenye indawo. Mhlawumbi ufanele uthumele imali kwi-shipper ethe xaxa ephethe ukuthengiselana kwamanye amazwe.

Ngaphandle koko, umthengi uya kukucela ukuba ubuyisele imali eyimfuneko, ngokuqhelekileyo ngokudluliselwa kwefowuni okanye ngenkonzo yokudluliselwa kwemali, kuba akafumananga imali yokufumana imali efanelekileyo. Ngandlela-thile, uya kulahlekelwa loo mali ngokulungileyo xa uhamba kunye nemiyalelo yomthengi.

Ukuthengwa kweengxaki: Ngamanye amaxesha umyalelo we-scam ulula kakhulu: ufumana nje i-order order money and ship.

Abathengi abakucelanga ukuba uthumele imali, kodwa bafumana iimpahla zabo mahhala.

Iimfesholo ze-Deposit: Kule meko, umntu ucela ukuba ubeke okanye uhlawule imali. Umntu, ibali lihamba, alinayo i-akhawunti yasebhanki okwangoku, kwaye akafuni ukuhlawula imali ephantsi kwi-check checking store. Kunoko, ungathanda ukusayina umyalelo weemali kuwe kwaye mhlawumbi unokuhlawula ixesha lakho. Yintoni e ngahambi kakuhle? Okumangalisa kukuba, ibhanki yakho inokukuvumela ukuba uhambe kunye nemali, kodwa akusiyo yokugqibela uya kuva le myalelo weemali.

Ukuhlawulwa kweentlawulo: Uhlobo olusisigxina se-deposit yintlawulo yokuhlawula intlawulo. Uza kucinga ukuba unemisebenzi yokufumana imali evela kwi-home-paying payment or workstation, kwaye umsebenzi wakho ukwamkela imali kwaye uthumele iintlawulo. Kwezinye iimeko, ngokwenene unceda abaphuli-mthetho ukuhlawula imali ngelixa uhlahlulwa.

Idiphozizo yokhuseleko: Ukuba ulawula ipropati, unokuva ukususela kwiingeniso ezivela kuburhulumente. Baya kuthumela umyalelo wemali kwinyanga yokuqala yokugqibela kunye neyokugqibela yerenti, kunye ne-deposit deposit. Nangona kunjalo, baya kukwazisa ngokukhawuleza ukuba izicwangciso zatshintshile-mhlawumbi imisebenzi ababehamba ngayo yawela-kwaye abafuni ukuqeshisa loo propati. Baya kunika ngomusa ukuba bakuvumele uhlale urenti, kodwa bafuna ukuba ubuyisele i-deposit.

Iintlobo ze-Infinite: Amasela adala, kwaye asebenzisa i-oda yeemali ngokukhwabanisa ngeendlela ezingapheliyo. Jonga iiflegi ezibomvu ezichazwe apha, kwaye uthembele emathunjini akho. Ukuba kukho into ebonakala yinto elula kakhulu okanye enhle kakhulu ukuba yinyani, yimisa isikhashana ngaphambi kokuba uthumele imali kwaye ufumane ulwazi oluninzi.

Lapho Izinto Ziwela Ngaphandle

Ukuba uthumela okanye uchithe imali okholelwa ukuba unayo kwimali, jonga iingxaki kwibhanki yakho. Xa ufaka i-akhawunti yakho ye-akhawunti, ibhanki yakho iya kukuvumela ukuba usebenzise ezinye okanye zonke idiphozithi ngokukhawuleza (ngokuqhelekileyo i-$ 200 yokuqala, kodwa ingaba ngaphezulu, ngokukodwa nge-oda ye-US Postal Service). Nangona kunjalo, i-bhanki ayisayiqokelela imali kwi-issuer yemali; loo nkqubo ithatha iintsuku ezimbalwa okanye iiveki.

Xa ibhanki yakho izama ukuqokelela imali-ukusuka eNtshona Union, umzekelo-ibhanki iya kufumanisa ukuba inomyalelo wemali.

Ngenxa yokuba ibhanki ayiyi kufumana nayiphi na imali, iya kutsala inkokhelo yokukhohlisa kwi-akhawunti yakho. Ukuba i-akhawunti yakho ayinalutho, ibhalansi ye-akhawunti yakho iya kuphazamiseka kwaye kufuneka uhlawule ibhanki. Ngaphezulu, uhlolo lwakho luya kuhlawula , kunye nekhadi lakho le- ATM / ikhadi le-ATM liza kuba yinto engenakuncedo xa usuke uphantsi kwiimali.

Ukuba konke oku kuvakalayo kuqhelile, amasela asebenzisa indlela efanayo kunye nokuhlolwa kwe-cashier .

Zi khusele

Yintoni ongayenza ukuze uzikhusele kwimirhumo yemali?

Abathengi abangaziwa: Indlela ekhuselekileyo kukuvumela kuphela ukuhlawulwa kweentlawulo ezivela kubantu obaziyo nokwethemba. Kodwa ukuba ufuna ukusebenzisana nabathengi abatsha okanye ukuthengisa nge-intanethi, kunokufuneka uzivelele kumngcipheko othile. Ngethamsanqa, iiflegi ezibomvu kunye neendlela zokuziphatha zingakunceda ukulawula umngcipheko.

Iiflegi ezibomvu: Uyakwazi ukubona ininzi yemali ye-oda yokukhawuleza i-mile kude ukuba uyayithobela ingqalelo. Kodwa xa ubomi buxakeke, kulula ukuphosakela iinkcukacha kwaye uyalibala ukuba le mibabala isebenza njani nokuba ikhona. I-flag enkulu ebomvu-kunye nento ofuna ukuvumelana nayo-isicelo sokuthumela okanye ukucoca imali emva kokuba uhlawulwa ngemali ye-oda. Khangela olu luhlu uze ubone ukuba nantoni na ibukeka ijwayele kuwe:

1. Isicelo sokuthumela okanye ukucoca imali ehlawulwe yona ngemali.
2. Isibhengezo esivela ngaphandle kwebala elihlaza okwesibhakabhaka (njani lo mntu onomusa, umntu othembelayo akufumanisa?).
3. Imirhumo yemali yamazwe ngamazwe (nangona iifayile ze-USPS zemali nazo ziyingxaki).
4. Imiyalezo eneenkcukacha ezininzi zegrama kunye neepelisi zopelo.
5. Ukukhanyela ukuhlawula ngekhompyutha (abakwazi ukucoca imali okanye ukusebenzisa i-intanethi inkonzo ).
6. Umthengi wakho akanomdla ekuhloliseni iimpahla okanye iinkcukacha zomkhiqizo, kwaye akabonakali ukuba uyakwazi into ayithenga ngayo.
7. Umthengi wakho ufuna ulwazi olunzulu olufana nenombolo ye-akhawunti yakho yasebhanki .
8. Kuvakala ukuba kuhle ukunyaniseka.

Qinisekisa imali: Njalo qinisekisa imali xa uhlawulwa ngemali ye-oda. Biza umnini-myalelo we-oda kwaye ukhangele ukuze ubone ukuba unomqulu osemthethweni. Akunakuze ube ngama-100 ekhulwini, kodwa unokuphucula amathuba akho.

• Jonga indlela yokuqinisekisa iiNgxowa kwi-Order Order .

Iinkqubo zoKhuseleko: ngamnye umrhumo we-oda umrhumo unokuchaza kwakhona iimpawu zokhuseleko ezikufutshane eziprintwe kwiimali zabo zemali. Ngokomzekelo, i-USPS yemali ngonyaka ka-2017 ibonisa i-watermark yakwaBen Franklin, ngelixa i-MoneyGram isebenzisa ipaki ekhuselekileyo yokunciphisa ubushushu.

Ukuchitha kwexesha: Ukuba unokungabaza, ungayisebenzisi imali oyifumanayo kwimali. Yiphathe njengommangali okanye ulungele ukuhlawula ibhanki yakho. Ingathatha iiveki okanye iinyanga kwibhanki ukuba zifumene ukuba ufake idilesi embi. Uninzi lwexesha oza kulufumana malunga nezinto zobuqhetseba kwiiveki ezimbalwa, kodwa kunokuthatha ixesha elide .

Zive ukhululekile ukucela ibhanki lakho uncedo. Baye babone i-scam order order ngaphambili kwaye banokuthetha malunga nayiphi na into esolwayo kunye nawe.

Ukuhlawula ngemimiselo yeMali

Iziqhelo eziqhelekileyo ziqala ngentlawulo oyifumanayo, kodwa kunokwenzeka ukuba ulahlekelwe yimali xa uhlawula.

Ngaphambi kokuhlawulwa: Uhlobo olusisiseko senkcazo luyenzeka xa uthumela intlawulo kwaye ungafumani nantoni na ngokubuyisela. Abathengisi banomdla kunye nokuthetha xa bexoxa ngokuhlawula, kodwa balala emva kokuba uthumele imali ngemali. Ngelishwa, iilaydi zemali ayinalo ukukhuselwa komthengi okanye ukukwazi ukuguqula iindleko. Kwezinye iimeko, unokukhansela umyalelo weemali , kodwa inkqubo inzima kwaye ibiza imali.

Ukuncedisa isandla: Iimali zemali kunye nokutshintshwa kwemali zihlala ziyinxalenye "yokunceda" izikratshi. Omnye umntu ucela ukuba uthumele imali, kwaye ihlawule imali phambi kokuba uqaphele ukuba uhlulwe. Ezi nkathazo ziza kwiintlobo ezininzi, kubandakanywa

• Abahlobo kunye nabathandekayo babanjwe ngaphesheya kwezilwandle (i-wallet yabo ilahlekile okanye ibiwe, ngoko i-imeyli okanye icela kumajelo asekuhlaleni).
• Izikhwama zothando (uhlakulela uthando kumntu othile kwi-intanethi, kwaye loo mntu ucela ukuba uncedise ngeebhili okanye unxakeka).
• Ukuqokelela amatyala (umntu ubiza ngeengongelo zenkampu okanye ezinye iziphumo ezinzima, kodwa unokubeka ingxaki emva kwakho ukuba uhlawula ngoku).

Ngaphambi kokuba uthumele imali, xela ngale meko ngomntu owaziyo kunye nokwethemba. Ukucela igalelo okanye enye imbono kunokukunceda uhlolisise umngcipheko wakho. Ukuba unqwenela ukuqhubela phambili kunye nentlawulo kuba ufuna ukukunceda, uya kuba nembono engcono yoko ungena kuyo.