Fumana iinyani kwiintlobo ezahlukeneyo zemali eqinisekisiweyo
Yintoni eqinisekisiweyo yokuhlola?
Ikhonkco eqinisekisiweyo isheke eqinisekisiwe (ngebhanki imali idibeneyo) "njengento enhle." Igosa lebhanki liqinisekisa ukuba umbhali wokukhangela unayo imali eyaneleyo kwaye isayinwa yinyani.
Ngenxa yoko, nabani na owamkela iteksi banokuqiniseka ukuba isheke ayiyi kubuyisa okanye kubuyiselwe - ukucinga ukuba itekisi ivumelekile kwaye isasebenza.
Emva kokuqinisekisa ukuba itekisi ilungile, ibhanki ngokubanzi idibanisa isitampu kwaye isayine kwisheke, kwakunye neemeko (ezifana nokutshekisha okuhle ukuya kwiintsuku ezingama-60). Ibhanki kufuneka ithintele umlobi wokukhangela ekusebenziseni okanye ekurhoxiseni iimali ezigcinwe kuyo.
Ngenxa yokuba uhlolo oluqinisekisiweyo luhlola "igosa", iimali ezivela kwisheke eliqinisekisiwe zifumaneka kwintsuku enye yoshishino emva kokufaka isheke, becinga ukuba ubeka isheke kumntu onomsebenzi webbhanki (ubuncinane i-$ 5,000 yokuqala kufuneka ifumaneke, kodwa iibhanki zinokubamba amaxabiso aphezulu kunoko).
Qhathanisa isheke eqinisekisiweyo ngesheke somntu siqu . Ngetshekhi yomntu, awukwazi ukuba umlobi wekhenkethi unemali eyaneleyo ebhankini ukuhlawula intlawulo.
Nangona imali yayikho ngelo xesha, ingasetyenziswa ngaphambi kokuba ube nethuba lokufaka okanye ukukhangela imali yokukhangela (oko kuthetha ukuba awuyi kuhlawulwa, kwaye kufuneka uhlawule iifizi zokufaka isheke elibi). Kwiimeko ezininzi, iibhanki zenza i $ 200 yokuqala xa ubeka isheke sakho, kwaye zilinde iintsuku zoshishino ukwenzela ukuba intsalela itholakale (kwaye unokuba ufuna ukulinda ixesha elide xa kukho ukungathandabuzeki malunga nokutshekisha).
Indlela Yokufumana I-Check Certified
Ukuhlawula ngetshekiti eqinisekisiwe, tyelela isebe lebhanki, apho umqeshwa webhanki unokuqinisekisa ukuba ungumnikazi we-akhawunti kwaye unemali ekhoyo kwi-akhawunti yakho. Buza ukuba zeziphi iimfuno ngaphambi kokuba ubhale isheke.
Kwiimeko ezininzi, uya kubhala isheke njengoko uqhelekileyo , kwaye abasebenzi basebhanki baya kwongeza isatifikethi. Ngenye indlela, unokufumana umkhangeli wecashier.
Uvavanyo oluqinisekisiweyo kunye neeCheckers Checks
Iitshekhi zeCasher zifana kakhulu nokuhlola okuqinisekisiweyo, kwaye kunokulula ukufumana ukuba ufuna ukuhlawula ngemali eqinisekisiweyo.
Ngomtshini oqinisekisiweyo , umnini we-akhawunti (umntu-mhlawumbi unokuba nawe) ubhala isheke, kwaye ibhanki iyayifaka isheke. Iimali zivela kwiakhawunti yakho xa i-check is eventually deposited or scored.
Ngeteksi yesikhokhelo , uhlawula ngokusisiseko i-bhanki (ngokunikezela ngeengxowa-mali okanye ukufumana imali ekhutshwe kwi-akhawunti yakho), kwaye ibhanki ikwenza isheke esibhalelwe umvuzo wakho . Xa iteksi igqityiwe ekugqibeleni, imali ivela kwi - akhawunti yebhanki - kungeyakho.
Kuba nabani na ofumana intlawulo, ulwahlulo phakathi kwesheke kunye nesheke eliqinisekisiwe mhlawumbi alinanto - zizo zombini iintlobo zemali eqinisekisiwe.
Nantoni na iyakwazi ukuhlaselwa
Iimali eziqinisekisiweyo zixhobo ezithandayo kubadlali be-scammers. Abantu bakholelwa ukuba akukho mngcipheko ekufumaneni iintlawulo ezicacileyo ngokukhawuleza, ngoko bayavuya xa bathumela iimpahla-okanye imali-emva kokufumana isheke lokukhohlisa. Amabhanki kaninzi anokunika inzuzo yokungathandabuzeki aze enze i $ 5,000 yokuqala ifumaneke ngokukhawuleza, ngoko ucinga ukuba isheke liye lacinywa. Emva kokukhwabanisa, i-bhanki yakho iya kukubeka uxanduva malunga nayiphi na imali oyisebenzisileyo okanye uhoxisiwe.
Ukuba unenkxalabo malunga nokukrazula, kukho iindlela ezininzi zokunciphisa umngcipheko wakho:
Ukugxininisa ngetambo: Ukufumana ukuhlawulwa ngothungelwano lwe-wire kukhuseleko kunokuthatha isheke eliqinisekisiweyo. Iimali kufuneka zifike kweli bhanki ngaphambi kokuba zibonise kwibhalansi yakho. Kunzima ukukhupha, kwaye kukho umzila ongcono wephepha (kodwa ukukhwabanisa kwentambo kubakho).
Qinisekisa imali: Xhagamshelana nebhanki eqinisekisile isheke kwaye uqinisekise ukuba isheke livumelekile . Qinisekisa ukusebenzisa inombolo yefowuni oyaziyo ukuba ivumelekile - ayikho inombolo eprintiweyo kwisheke (ngokuba isheke lokukhohlisa liya kuba nenombolo yefowuni yenkohliso). Ezinye iibhanki aziyi kukunceda, kodwa zifanele ukudubula.
Ukuhlawula isheke: Thatha isheke kwi-bhanki elifanayo ukuba imali ivela kuyo kwaye uzama ukufumana imali ngokukhawuleza . Umtshizi uya kukwazi ukuxelela ukuba kukho into engalunganga.
Yithemba umthambo wakho: Ukuba kukho into ebonakala ingalunganga, mhlawumbi. Khangela iiflegi ezibomvu eziqhelekileyo, ezifana nezentengiselwano apho kufuneka ubeke isheke uze uthumele enye imali kumnye umntu (ingakumbi ukuba kufuneka uthumele nge-wire transfers okanye kwi-Western Union ). Xa uqala ukwenza iifoni zefowuni nezinto ezingenakongeza - ngokukodwa ukuba iimpawu ezibonakalayo zifana neempopu kunye nomgangatho wokushicilela ompofu zikhoyo - kungcono ukubambelela kwi-pocketbookbook yakho.
Ezinye iifomu zeeNgxowa eziqinisekisiweyo
Ikhonkco eqinisekisiweyo ayiyona ndlela kuphela yokuhlawula ngemali eqinisekisiweyo. Naliphi na isicatshulwa esiphathwa njengemali "eqinisekisiwe" okanye "echithwe" ingenza inkohliso. Wonke umthengisi unemilinganiselo yakhe, kodwa unokukwazi ukuhlawula kunye:
- Utshintshelo lwentambo
- Imali yemali
- Ikhredithi yecashier
- Cash