Ukufikelela kwi-250,000 Limits Limitshatsheli Kunzima Kunokuba Ucinga
Ngokwenene, xa ukhetha i-akhawunti yasebhanki ehlawulwayo ekufeni, umntu othe wachaza akanalo ilungelo lomntu de uze udlule. Xa wenza, ke, ngokukhawuleza kuba ngumnini we-akhawunti. Ichitha ifa lakho kwaye linamandla ngakumbi kunelo lokugqibela kunye nentetho yokugqibela. Luhlobo lobuthemba obunokuphelisa ekubeni kukho omnye umntu onomdla onomdla kwi-akhawunti. Esi sizathu sokuba ezi ntlobo ze-akhawunti zibizwa ngokuba yi "fund fund". Ngenxa yokuba akukho mali kunye neendleko zamahhala, bafezekisa imiphumo eminye yemveliso efanayo yesikhwama sokubambisa. Iimpahla kwi-akhawunti ziza kutyhulwa ngokupheleleyo!
Ngenxa yaloo nzala, uMasipala we-FDIC uvumela ukuba uhlawule i-$ 1,250,000 kwiziko elilodwa lezemali ngokutyumba ukuya kwiihlanu (5) ezihlawulwa ngabaxhamli bokufa, akukho namnye onokuthi ahlawulelwe ngaphezu kwama-250,000.
Umzekeliso unokukunceda uqonde indlela yokucwangcisa ngayo isicwangciso.
Umzekeliso wokuhlawulelwa kwiiNkcazo zokuFikela ukuKhuselwa koKufa kunokunyusa iMida ye-FDIC
Khawucinge ukuba ungugqirha. Unabantwana abahlanu abazukulwana. Ufuna ukugcina yonke imali yakho kwibhankini enye, kodwa ke, ufuna ukulala kakuhle ebusuku ngokuzibandakanya yimida ye-FDIC.
Awufuni ukujongana nokupaka imali yakho kwiimali-mali, iimbophe, okanye amanqaku.
Esikhundleni sokulahla i-akhawunti eyi-1,250,000 kwi-akhawunti yokukhangela okanye i-akhawunti yokulondoloza, ungathanda ukwenza into enje:
- Isitifiketi esingama-250,000 se-deposit, ekhethiweyo ehlawulwa ngokufa kuJane Smith
- I-akhawunti engama-250,000 yokujonga i-akhawunti, ehlawulwa ngokufa ku-Andrew Smith
- I-akhawunti yokugcina imali engama-250,000, ehlawulwa ngokufa kukaGregory Smith
- I-akhawunti engama-250,000 yemarike yemali, ehlawulwa ngokufa ku-Elizabeth Smith
- I-akhawunti yokugcina imali engama-250,000, ehlawulwa ngokufa kukaHeather Smith
Ngokwenza oku, ukuba ibhanki ingaphumeleli ukuwa kwehleko, i-FDIC iza kungena kunye nokubuyisela yonke i-$ 1,250,000, eyi-5x imida eqhelekileyo yokukhawulela! Ukuvavanya ukuba uyayenza ngokuchanekileyo, thabatha umzuzu wokudlala kunye ne-calculator ye-FDIC EDIE (i-EDIE ifutshane kwi-"Intlawulo yeNgcaciso yoMshuwalense we-Intanethi"), eya kukuvumela ukuba uqalise iziganeko ukuze ubone ukuba ukhusela iafa zakho ngokubonisa indlela imali eninzi oya kuyifumana kwi-bank closing.
I-Handba ye-Drawbacks ehlawulwa kwiAkhawunti zokuFa
Njengazo zonke izinto ebomini, kukho ezinye iingxaki ekusebenziseni ukuhlawulelwa ekutyunjweni kokufa ukuze ukwandise imida ye-inshurensi ye-FDIC kwizinto ezifana ne-akhawunti yokulondoloza okanye izatifikethi zokupaka.
Abaninzi bashumayela ngelizwe banemithetho eqinile kakhulu kwinkqubo ekufuneka ilandelwe ukuba usenokutshintsha ingqondo yakho kwaye ufuna ukutshintsha umxhamli otyunjweyo kwi-akhawunti yokufa. Ezinye iindawo zeli lizwe zinokukunika ukujonga okungaqhelekanga ukuba ucele i-akhawunti. Kunoko, kufuneka ubaxelele ukuba ufuna "iTrust Trust".
Kubantu abaninzi, kwiimeko ezininzi, eli lixabiso elincinci lokuhlawula. Iingeniso zokungabuthongo nje ubusuku obubusuku ngenxa yemida yomshuwalense ephezulu kunye nokwehla kwezinto ezigcinwe kwi-akhawunti zinenzuzo kakhulu ukudlulela phambili, kuchaza ukuba kutheni abantu abaninzi bebalandeli bale ndlela.
Khawukhumbule nje: Awukwazi ukugqithisa ukuhlawulwa kwakho kwimirhumo yokufa, eyona uhlobo lokuthembana okuphikisayo, ngokuthanda. Ukuba ubiza unyana wakho njengomzuzi kwifomu yeakhawunti, kwaye emva koko ushiye imali kwintombi yakho ngentando yakho, intombi yakho ayiyi kufumana nto.
Akwenzeki ukuba akukho nxaxheba kwaye unyana akafunwa ukuba ahloniphe intando yakho yokugqibela kunye nesigqibo. Imali isemthethweni kwaye ngokusemthethweni ukuba ayenze njengoko ethanda ngoba umzuzu uswele, i-akhawunti yaba yipropati yakhe. Ukuziphatha: Qiniseka ngokuqinisekileyo ukuba uya kulungeleka kumntu ohlawulwayo kwi-akhawunti yokufa efumana imali kuba kukho into eyenzekayo kuwe, oko kuya kwenzeka. Kwakhona kufuneka udibanise nenyaniso yokuba imali ayiyi kubaleka. Ukuba unenkxalabo ngemikhwa yomxhamli wakho, cinga i- spendthrift trust fund esikhundleni.