Nokuba uza kubapha ngqo kwigosa lakho lemali-mboleko okanye uza kubanika umncedisi okanye umprosesa. Kungakhathaliseki ukusekwa, le yithuba lokuqala i-docs zakho zihlaziywa ngokucokisekileyo, ukugqiba, nokuchaneka.
Nervous? Uninzi lwakho luya kuphazamisa into ethile, ukhohliwe into, ilahlekelwe isayinwa okanye ezimbini. Amaxwebhu akho alahlekileyo okanye iimpawu ziya kufakwa kunye nokucaciswa kuyo nayiphi na into engacacini ngokucacileyo malunga needks zakho.
Ndiyaqalisa
Ukuba ubeka ngaphantsi kwe-20% phantsi uya kufumana i-quizzed kuyo nayiphina idiphozithi enkulu ekutshekeni okanye ukugcina i-akhawunti okanye indlela 401k yakho inikwe ngayo. Lo mgangatho, ngoko ugobe nawo. Okona kubaluleke kakhulu, ke, zixubusha ngeempendulo zakho kunye namaxwebhu angeziwe. Kufuneka ngokupheleleyo kwisinyathelo esilandelayo; kubhala phantsi.
Kwenzeka ntoni ngokulandelayo kwi-ballyhooed "inqubo yokubhala phantsi"? Ewe, loo nto iyahlukahluka ngokuxhomekeke kwigosa lakho lemboleko kunye nokukhethwa komboleki. Kukho konke ukungathí sina, umboleki wemali mboleko kunye negosa lemboleko owukhethayo, uhlobo lomboleko owufunayo kunye nezinga eliqhelekileyo lokuqokelela iinkcukacha ngokubanzi liza kubeka inqanaba lakho elilodwa "lokungahambi kakuhle." Khetha ngokuhlakanipha.
Ukuba uhambe nebhanki enkulu ifayile yakho iya kudluliselwa kwiprojekti yokubambisa i-corporation kwindawo ephakathi (leyo engekho ndawo kufuphi nawe). Laba baproseshini bavame ukusebenza ngokugqithisileyo kwaye bancedwa ngaphantsi. Ukuba uhamba nebhanki enkulu ungalindela inkqubo eninzi yokuvuma. Yiyo ayenzayo.
Bazama ukwandisa inani leefayili zemboleko wonke umntu kufuneka asebenze / abhale phantsi. Ubungakanani kwindlela yokwenza umgangatho kwaye kuya kubonisa kwinkqubo yakho yokuvuma imali.
Ababolekisi bemali encinci kunye nabathengi abazimeleyo abasebenzisa umthengi ngokuqhelekileyo bathabatha indlela eyahlukileyo. Ngokuqhelekileyo baqeshwe ngokupheleleyo abasebenzi beqela elihlangeneyo. Kanye nokuba nomntu ngamnye phantsi kophahla olulodwa, iqela leqela liphumela kwimisebenzi eqhuba kakuhle.
Musa ukungahambi kakuhle; zikho izizathu ezininzi zokusebenzisa ibhanki enkulu njengomboleki wakho. Ezinye zazo zivumelekile. Ngokuqhelekileyo banokukwazi ukuthatha amathuba amaninzi kunomfana omncinci, kwaye oku kulungile kulabo abasemgangathweni wobungakanani bemvume. Ngokuqhelekileyo bahlinzeka ngeentlobo ezahlukeneyo zeemveliso zentengo yempahla yokuthenga izinto ezinjengezinto zokulungiswa kunye nokuxhasa ngemali.
Kubhala phantsi
Bonke ababolekisi bemali mboleko banokubakho "ixesha lokujika." Le yithuba nje lokungeniswa kokuphononongwa kwabancinci kunye nesigqibo sabo.Ixesha lexesha elinokuthi linokuchaphazeleka ngamanani amaninzi kunye amancinci. abasebenzi basebenza ngokukhawuleza yinto ebalulekileyo, kodwa izinto ezinjengeemeko zemozulu - cinga ngoRochester, NY ngexesha lokubusika kwekhephu - kunokukhipha umkhenkethi ukuguqulela amaxesha ngokukhawuleza.
Ufuna ukubuza igosa lakho lemali-mboleko ukuba yeyiphi ixesha lakho lokugqibela kwaye uya kuqwalasela loo nto kwi-LO yakho yokugqibela. Inqaku elilodwa, amaxesha okujika okuthengwa kufuneka ahlale ephantsi kweyokuhlaziywa. Abathengi basekhaya banexesha elide elifunekayo lokudibana nabo, bafumana i-dibs phantsi.
Kwiimeko eziqhelekileyo, isicelo sakho sokuthenga kufuneka sibhalwe phantsi kwiiyure ezingama-72 zokungeniswa phantsi kokubhala phantsi kweveki enye ekuboneleleni ngexwebhu lakho elipheleleyo. Ngoko, i-window yexesha lokugqibela sele isondele kwaye umgcini we-underwriter uhlaziye iifayile yakho. Yintoni ngoku?
Umgcini-phantsi uzakukhupha enye yezinto ezintathu-ezivunyiweyo, eziphikisiwe okanye ezinqunyanyisiweyo - kwisicelo sakho. Ukuba kuvunyelwe ukubhala phantsi kuya kufaka isethi yeemeko oya kuyidinga ukucima ukuze ufumane imvume epheleleyo.
Ukucaciswa ngokuhlawulwa kwexesha elide, idiphozithi enkulu, ukugqithiswa kokudlulileyo kwimeko okanye isignatshi ephosakeleyo apha okanye kukho izicelo eziqhelekileyo.
Ukuba umiswe okwesikhashana, okungaqhelekanga ngokupheleleyo, ukubhala phantsi kuyadideka kwaye kufuna ukucaciswa. Imisebenzi eqhelekileyo yengqesho / ingeniso, kodwa ngamanye amaxesha umbuzo wokuqinisekisa i-asethi ungakhokelela ekumiswe. Kule meko, uya kufumana iiseti ezimbini zeemeko; omnye ukucima ukugxininisa kunye neemeko eziyimfuneko ezifunekayo ukuze kuvunywe ngokupheleleyo.
Ekugqibeleni, ukuba unqatshelwe uya kufuna ukufumanisa ukuba kutheni. Ayikho yonke imali-mboleko eqalayo njengenqatshana iphetha ngaloo ndlela. Ngamaxesha amaninzi ukukhanyela kufuna nje ukuba uphinde ucinge ngemveliso yakho mboleko, ukuhlawula okanye ukucima impazamo kwisicelo okanye kwingxelo yakho yekhredithi.
Kuvunywe ngeemeko
Iimeko zobuninzi bezicelo zemboleko emva kokungeniswa kwazo kwangaphambili ziya kuvunywa ngeemeko (ukuvunyelwa kwemimiselo). Umgcini-phantsi ufuna ukucaciswa kunye nee-docs ezongezelelweyo ngokubanzi ukuzikhusela kunye nomqeshi wabo ukuze imali ebolekileyo ivulekele kwaye ingenasengozini kunokwenzeka. Ngokukhawuleza, izinto ezongezelelweyo ezifunekayo aziyikukholisa umgcini-phantsi, kodwa ukuqinisekisa ukuba imboleko ihlangabezana nayo yonke imilinganiselo efunwa ngabatyala-mali abasibini abaya kuthenga imali ebolekileyo.
Umsebenzi wakho oyintloko ngethuba le mboleko yakho ekubhalwe phantsi kukuhamba ngokukhawuleza kwizicelo zedokhumenti, imibuzo kunye nantoni na into efunekayo. Kungakhathaliseki ukuba ucinga ukuba ucinga ukuba i-doc sicelo ingaba yintoni, misela loo hoop ifoto kwaye uzenzele ngokukhawuleza ngokukhawuleza. Musa ukuthatha iphenyo ngokwabo, yilokho okubhalwe phantsi. Ukuphatha izinto ezimbalwa zokugqibela uze ubathumele ekubhaliseni phantsi ukuze ukwazi ukuva amagama amathathu alungileyo kwi-estate-clear to close!
U YENZIWE. Kuphela ezimbalwa iziqwenga eziqhelekileyo zokungena. Ukusika isheke sakho sokuhlawula, ukutyikitya kumgca wecala uze ulungele ukuhamba. Ufuna ukufumana ngokuthe ngqo ukuba ungalindela ntoni ekuvaleni kwakho? Akukho nkathazo, sikufumene kunye neengcebiso ezininzi malunga nendlela yokuphepha ukukhupha umhlaba ovaloyiweyo wokulibazisa ukuthenga kwakho okanye okubi.