Ziziphi Izikhokelo Zokukhusela Imali Yami?
Kubalulekile ukuqonda ngokupheleleyo iikhompyutheni ze-FDIC ukuze ukwazi ukuzisebenzisa. I-FDIC iya kuqinisekisa kuphela i-$ 250,000 yokuqala kwi-akhawunti yakho. Ii-akhawunti eziqinisekisiwe zifakela iifayili ezifana nokuhlola i-akhawunti, i- akhawunti yokulondoloza, ii-akhawunti zokulondoloza imarike, i- IRAs kunye nee-CD. Abaqinisekisi naliphi na i-akhawunti yokutyalomali onokuyifumana kwi-bhanki, njengengxowa-mali, i-annuities, i-stocks, kunye ne-bonds. Ukuqonda ukuba lo msebenzi uza kukunceda njani ukukhusela imali yakho .
I-FDIC iQinisekisa njani imida?
Xa uqikelele inani le-coverage, ibhanki iya kujonga igama lomnikazi we-akhawunti ukucacisa ukubhengezwa. Ukuba unama-akhawunti amathathu kuphela egameni lakho kuphela kwibhankini, kwaye inani lilingaphezu kwama-250,000, ngoko kuphela i $ 250,000 yokuqala. Kubalulekile ukuqonda indlela oku kusebenza ngayo ukuze uzikhusele.
Ukuba unemali engaphezulu kwalokhu kufuneka uqwalasele ii-akhawunti ezivulekileyo kwiibhanki ezahlukeneyo (kungekhona amagatsha ahlukeneyo kwibhanki elifanayo) ukukhusela imali yakho. Ibhanki iya kujonga inani elipheleleyo kuyo yonke i-check you, kunye namanye ama-akhawunti phantsi kwegama elifanayo ngqo njengenye yokukhusela i-$ 250,000. Umzekelo, ukuba unayo i-akhawunti yokutshekisha egameni lakho nge-$ 100,000 kunye ne-akhawunti yokulondoloza egameni lakho i-$ 200,000, baya kukhangela inani elidibeneyo lama-300,000 kunye nokukhusela i-$ 250,000 yokuqala.
Ubunikazi Bokubambisana Kwenzeka Njani Ubungakanani?
Ukuba unobunikazi obambisene ne-akhawunti kunye ne-akhawunti ngayinye unako ukufumana ilungelo le-inshurensi engaphezulu. Ngokomzekelo, ukuba unayo i-akhawunti yokuba ungumnikazi wedwa kunye neakhawunti edibeneyo kunye neqabane lakho, ngalinye lale akhawunti liya kukhangela ngokwahlukileyo ukufumana isiqinisekiso se-FDIC. Ukongezelela, ukuba iqabane lakho linayo i-akhawunti nganye, ngoko ke loo mali iya kuhlawulwa kwakhona. Oku kuthetha ukuba unako ukufikelela kwi-$ 750,000 ekukhuseleni phantsi kwalo mgaqo. Unokucela ummeli wenkonzo yamakhasimende ukukunceda ukuba ufumane inani leminshurensi oza kufaneleka ngayo ngeakhawunti zakho ezithile.
Yintoni eyenzekayo xa iBhanki yam ihluleka?
Ukuba ibhanki yakho ingaphumeleli kufuneka udibanise ne-FDIC ukufumana indlela yokufumana imali yakho. I-FDIC ayimfuneko ukuba inike isaziso ngaphambi kokuvala ibhanki kodwa yenza inkcukacha zoqhagamshelwano, ukuze ukwazi izicwangciso ozifunayo ukuze ufumane imali yakho. Ungazibiza nge-877-ASKFDIC okanye kwi-www.fdic.gov. Xa ucinga ukuvula i-akhawunti entsha yebhanki, qiniseka ukuba ilungu le-FDIC. Baya kubonisa uphawu kwiwindow nakwiifestile zokuxelela. Ukongezelela, kufuneka ithunyelwe kwiwebhusayithi yabo.
Ukuba uvula i-akhawunti ngebhanki ye-intanethi, uya kufuna kwakhona ukuqinisekisa ukuba baqinisekisiwe. Unokuphinda uqaphele ukuba bahambela iwebhusayithi ye-FDIC kwaye baqinisekisa ukuba bayilungu. Ezinye iibhanki ze-intanethi azikho kwi-FDIC.
Ngaba Ndinokuvula i-Akhawunti kwiBhanki okanye kwi-Credit Union ngaphandle kweNgcaciso?
Kukho iziko-mali ezinikezela ngamanani amaninzi aphezulu kumanani e-savings kunye neeCD. Ezi zihlala zifumaneka kwi-intanethi kwaye zinokuthi zibophelelwe kwiikhampani zekhadi zekredithi okanye kwiifom zezolimo. Awunaso ukhuseleko olufanayo kwimali yakho ukuba ukhetha ukuvula i-akhawunti kwenye yezi ndawo. Kubalulekile ukuba uqonde ngokupheleleyo iingozi ezibandakanyekayo ukuze wenze ukhetho oluthile. Ukuba uvula i-akhawunti, qiniseka ukuba ungayifaki yonke imali yakho kwi-akhawunti yokulondoloza.
Unokufuna ukunikela ingqalelo kwiindaba zemarike ngokumalunga nokulungiswa okanye isiseko ukuze ungadonsa imali ukuba ingozi.