Izibophelelo zokugcinwa kwamaphepha kunye nezinye izatifikethi zokubambisa iifayile zinokubonakala ngathi zinotyalo-mali , kodwa abantu abaninzi basabamba ngenxa yokuphila kweengcebiso ngokusesikweni okanye ngenxa yokuba bafumana kwiintsapho kunye nabahlobo njengeminikelo yokuzalwa okanye yeeholide.
Kubalulekile ukwazi indlela yokufunda ezi ziqinisekiso zephepha ukuze ukwazi ukutolika ulwazi ngabo. Kubalulekile ukuba ufunde indlela yokufunda iibhondi zamashishini kunye nezinye iintlobo zeebhondi ukuba ubambe naziphi na ezo, ingakumbi ukuba uzifumana uzuze izibophelelo zomzimba ezikhoyo ngenxa yobude obude.
Xa uqala ukujonga isitifiketi sesondlo sephepha, kunokubonakala kukudideka. Xa uqonda injongo yotyalo-mali, nangona kunjalo, ulwazi malunga nesitifiketi ngokwalo luya kwenza ingqiqo. Esi sikhokelo sichaza indlela yokufunda ezininzi iintambo.
Indlela yokufunda iBond ye-Savings yase-US Xa iFomu yePhepha
Ubuninzi bebhanki e-US ezikhutshwe kule mihla zifom yekhompyutheni kuba amaziko emali ayeka ukuthengisa amabhondi ephepha ngo-2012. Kusenokwenzeka ukufumana izibophelelo zamaphepha, nangona kunjalo. Abantu abaninzi bathenga nge- Internal Revenue Service kunye neentlawulo zabo zokubuyisela irhafu, kwaye abanye abantu banamabhonkco athe bathengwa kwiminyaka edlulileyo.
Ukufunda iphepha lokubambisana lase-US kulula:
- Ubhonkco luya kubonisa uluhlu lwayo kwinqanaba eliphezulu. Uchungechunge oluhlukeneyo lweekhonkco - E, EE kunye nam - ngamnye unokuba nemithetho yakhe, inzala kunye neempawu.
- Inombolo ephezulu ngakwesobunxele yi-denomination. Oku kungakanani umthengi ohlawulelwe ubophelelo. Xa isibophelelo sihlawulelwe, siya kuzuza ngaphezu kweli nani kuba liza kufumana inzala.
- Umhla wokukhishwa komgqatswa kuya kushicilelwa phezulu phezulu ngaphantsi kwegama lokuqulunqwa kweedithani. Umhla wokuprinta uza kubonakala ngezantsi.
- Igama lomthengi kunye nedilesi iya kuprintwa kwinqanaba elisele lekhoboka. Igama lomnini-mlingani liprintwe apha ngezantsi.
- Inombolo yebhanki yebhondi ibonakala ngakwesokudla kwesibhondi.
ISebe le-Nondyebo yase-US ngoku nje lithetha kuphela u-EE kunye noxanduva lwam. Izibophelelo zePhepha ze-EE ayisekho ukuthenga. Iibhondi ziyakunikelwa okanye zikhishwe emva kweenyanga ezili-12.
Indlela yokufunda iBond yeBhanki kunye nezinye iiBond xa ziPhepha leFomu
Amashishini amaninzi akhupha izibophelelo zokunyusa imali. Urhulumente kunye noorhulumente basekuhlaleni kunye nezinye iinkampani karhulumente zikhupha izibophelelo zokuxhasa iiprojekthi ezahlukeneyo.
Ukuba ungumnikazi kwiphepha lephepha, ezi zibophelelo ziyahlukahluka kakhulu, kodwa zonke ziya kuba neenkcukacha ezithile ezisisiseko malunga nomniki-mboleko, utyalo-mali kunye nomthengi wombophelo. Nantsi into ekufuneka uyifunde:
- Isitifiketi sebhondi siza kubonisa imali kwi-dollar yase-US ukuba i-bond iya kukhutshwa kwi-United States nakwimali yangaphandle ukuba ikhishwe kwenye indawo.
- Isatifikethi siza kubonisa inombolo yebhondi okanye inombolo ye-serial eyingqamene nesibophelelo.
- Igama lomkhupha liza kubonakala, ngokuqhelekileyo liphezulu kwisiqinisekiso. Ibhondi ingabonisa isizathu sokuba umniki uthengise iibhanki kwaye angabonisa izinga lomdla okanye imiqathango yotyalo-mali.
- Ibhondi iya kubonisa igama lomthengi. Oku kungashicilelwa kwisitifiketi okanye kubhalwe kwithuba elingenanto.
Ezinye iifutshane zesikhwama sebhanki zenkampani ezifutshane kunye neentsuku ezingaphantsi kweentsuku ezingama-270 zibizwa ngokuthi "iphepha lezorhwebo," kodwa oku kubaluleke kakhulu kummandla wabatyalomali beziko.
Ngaphandle kwephepha lezorhwebo elibanjwe ngokungathanga ngqo ngemali yemali yemarike yemali okanye ezinye iifanethi zemali ezifaniswayo, akunakwenzeka ukuba uya kutyhala imali kwiphepha lokuthengisa ngokwakho unikezelwa ngeendlela ezinokugqithiseleyo ezifana nezitifiketi zexesha elifutshane okanye i-akhawunti yokugcina.