Ngaba Unokukhawuleza Kangakanani Imali Ejongayo?
Ukuhlolwa okubhalelwe kuwe: Ngaphandle kokuba unikwe isheke ekarhulumente-sikhankanywe okanye isheke eqinisekisiwe, kulungile ukufaka iitsheki kwiinyanga ezintandathu. Emva koko, unokufuna ukucela isheke esikhutshwe kwakhona.
Ukwenza oko kuvimbela ukudideka kwibhankini kwaye uvumele umlobi wetshizi ukuba ulungele ukuqokelela imali yakho.
Ukuhlola okubhalayo: Kwakhona, iinyanga ezintandathu ngumgaqo omhle wesithupha. Ukuba umntu uhluleka ukufaka okanye ukukhangela inkcazo oye wabhala , baya kuba nzima ukuthetha ngentlola emva kweenyanga ezintandathu. Nangona kunjalo, usenayo imali, kwaye iibhanki ziyakwenza inkqubo yokutshekisha. Ukuba ubhala isheke lokutshintshwa, kulungile ukucela ukuhlawulwa kwentlawulo kwi-check original.
Ixesha elide lokujonga ngokufanelekileyo?
Kwiimeko ezininzi, itekisi ilungile kwiinyanga ezintandathu. Kodwa kukho izimbalwa ezininzi, kwaye akukho siqinisekiso sokuthi iibhanki ziya kukhangela ukuhlola emva kwelo xesha. Ikhowudi yeShishini loShishino (UnCorporated Code Code) (i-UCC), leyo ininzi isetyenziswa njengemodeli yomthetho welizwe, ithi amabhanki akudingeki ukuba ahloniphe ukuhlola okudala, kodwa akwazi ukwenza phantsi kweemeko ezithile.
Ekugqibeleni, kuxhomekeke kuhlobo lwentsimbi echaphazelekayo kunye nemigaqo-nkqubo yasebhanki.
Iintlobo zeeKhekhi
Uhlolo lomntu lusebenza ngokufanelekileyo kwiinyanga ezintandathu emva komhla obhaliweyo kwisheke . Kodwa iibhanki zingenako ukuphawula umhla, okanye zinokukhetha ukucubungula iirekhodi zamakhasimende.
Ukuhlolwa kweNondyebo yase-US, njengemali yokubuyisela irhafu yengxowa-mali, kulungile konyaka owodwa emva kokuphuma. Ukuba unokuhlola okudala, ungaqhagamshelana ne-arhente eboleka imali kwaye ulandele indawo.
I-rhu lumente kunye novavanyo lwengingqi lukarhulumente xa luvumelekile. Qhagamshelana nee-arhente zengingqi malunga neenkcukacha, okanye ukucela isheke lokutshintshwa.
Ukuhlolwa kwe-Cashier kuyinkimbinkimbi , kwaye umthetho welizwe uchaphazela kangakanani ixesha elifanelekileyo le checks. Nangona kunjalo, ezininzi iibhanki aziyi kwamkela isicatshulwa sekhokhethi sokudipa emva kweentsuku ezingama-90 kuba ibhanki elikhuphayo lingabuyisela isheke elingakhokhelwa emva kwelo xesha. Ukuba unetekethi engaphezulu kweentsuku ezingama-90, qhagamshelana nebhanki ekhuphayo ukuze ufumane isheke entsha.
Iimali zemali ngokuqhelekileyo azipheli. Kodwa umrhumo womyalelo weemali angaqala ukuhlawula iifizi ngokumalunga nomyalelo weemali, ukuphazamisa ixabiso layo kwaye ekugqibeleni angenzi nto. Ngokomzekelo, i-Western Union ihlawulisa iintlawulo kwiimali zemali emva komnye unyaka (okanye iminyaka emithathu, kuxhomekeke kumthetho kaRhulumente), ngoko awukwazi nje ukubeka i-oda yamandulo endala. Kunoko, unokufuna ukudibanisa nomkhupheli ukuze ufumane naliphi na inani elisele. Abanye abathumeli abahlawulisi iirhafu, kodwa ekugqibeleni kufuneka baphendule ipahla ezingenayo kwi-state. Xhumana nomniki-myalelo wemali ukwenzela iinkcukacha-ingaba nzima. Ngokomzekelo, ii-oda zasekhaya zase-USPS zihlala zihleli kakuhle, kodwa iindleko zemali zamazwe ngamazwe ziphela.
Iitshekhi zokuhamba azipheli okanye zilahlekelwe lixabiso ngelixesha. Ngethuba nje ukuba umniki-mveliso usesomashishini, unokusebenzisa iitshekhi.
Ukulinda Kuyingozi
Unokuba nezizathu zakho zokubamba isheke ebhalelwe kuwe, kodwa kukulungele ukubeka okanye ukuhlola ikheshi ngokukhawuleza ukuba unendawo ekhuselekileyo yemali.
Iingxelo ezivaliweyo: Ekugqibeleni, umntu okanye ishishini elitshintshileyo lisuka ekutshintsheni amabhanki. Ukuba ufaka isheke kwi-akhawunti evaliweyo, isheke liya kuhlawula, kwaye ibhanki yakho iya kuhlawulisa iirhafu zokuzama ukufaka isheke elibi.
Imali enganeleyo: Xa umntu ehlawula ngetshekhi, balindele ukuba ubeke isheke ngokukhawuleza. Ngokuqinisekileyo, baneemali ezikhoyo xa babhala isheke, kodwa oko kunokutshintsha. Akulindele ukuba isheke lihlasele i-akhawunti yabo ezintandathu emva kweenyanga, ukuze bangabi nemali ebekelwe bucala ukuhlawulwa kwakho. Kwakhona, xa iteksi ithambile, uya kuhlawulwa iimali.
Yeka intlawulo: Ukuba umntu ukhathazekile ngeteksi elahlekelwayo, banokuyeka ukuhlawulwa kweso sitshixo.
Ibhanki yabo iya kulahla idiphozithi yakho, kwaye iya kubuyiselwa ebhanki lakho elingakhokhelwa. Oku kuthetha ukuba, ukuyeka iintlawulo yimeko enye xa inokuthi isebenze ngokusondeza i-check-stated-check-dated-check-time-dat
"Ngaphandle Kweentsuku ezingama-90"
Iitshekethi ngamanye amaxesha zithi zilungele iintsuku ezingama-90 (okanye iintsuku ezili-180). Ingaba okanye ukuba loo mqathango unqandekile kuxhomekeke kwizinto eziliqela. Ibhanki yakho ekugqibeleni ingagqiba ukungayithobeli loo myalelo kwaye iqhube isheke ngandlela-thile (ezinye iinkundla zifumene ukuba izitatimende zingenakunyanzeliswa, kodwa ungazithembeki kuzo zonke iimeko). Sekunjalo, kuya kuba sisilumko ukuhlonipha nayiphi na ilwimi kwisheke-nokuba udibanise isheke ngokukhawuleza okanye qhagamshelana nombhali wokukhangela xa ungeke ukwazi ukubetha ixesha elide.
Ngaba Uyakukhangela Uloba Uphelile?
Xa ubhala isheke ehamba, ungazibuza ukuba wenzeni. Usenayo imali, nangona akukho mntu uthi inkokhelo. Kuloo matyala, kukulungele ukugcina imali ekhoyo kwiakhawunti yakho ubuncinane kwiinyanga ezintandathu. Emva koko, shiya imali yedwa okanye uyibeke eceleni kwenye indawo ngosuku olungenakukhunjulwa ukuba kufuneka wenze kakuhle kwi ntlawulo. Khumbula ukuba ibhanki ingamkela idiphozithi kwaye uzama ukukrazula imali kwiakhawunti yakho nanini.
Ngelishwa, awukwazi ukugcina imali omele uyenze omnye umntu ngenxa yokuba abahluleki ukufaka isheke. Ngexesha elithile, unokufuneka uguqulele imali kwi-state ukuze ugcinwe. Buza abalawuli malunga nemithetho yokuhlaziywa kwendawo yokufumana iinkcukacha ezipheleleyo.