Ugcwalisa njani iodolo yemali yebanjwa.
Esi sisikhokelo sokuthumela imali kunye nemali kwi iakhawunti yokuthunyelwa kwebanjwa . Sisikhokelo ngokubanzi kwaye asichazwanga kwiziko elithile. Phambi kokuxoxa ngendlela yokuthumela imali kwibanjwa, kufuneka uqale wazi ukuba kutheni ibanjwa lifuna imali xa livalelwe.
Yintoni umphathi
A Uqoqosho Ivenkile eseziko loluleko ethengisa iimveliso ezahlukeneyo ezinokuthi zithengwe ngamabanjwa ngemali yazo . Amaxesha amaninzi umphathi uthengisa iimpahla, izihlangu, amashwamshwam, kunye nokutya, kunye nemveliso yezempilo enjengesepha, ishampu kunye neencakuba. Umphathiswa uthengisa iimveliso zokuzonwabisa ezinjengeencwadi, iimagazini, oomabonakude, iiradiyo, amakhadi, njl.
Mhlawumbi eyona nto ibalulekileyo ayithengisayo umphathi liphepha, iimvulophu kunye nezitampu. Kwibanjwa, ezi zezona zinto zibalaseleyo kuba ziyamvumela ukuba abhalele umntu ongaphandle. Ngelixa ezinye izibonelelo ziya kubonelela ngesixa esincinci sezitampu kunye nephepha kumabanjwa angenako ukuwafumana, ayizizo zonke iijele kunye nejele eziya kuthi zenze njalo. Amaxesha amaninzi abantu babhalela amabanjwa abo kwaye abayifumani incwadi yokuphendula kwaye kungenxa yesizathu sokuba ibanjwa lingenakho ukufikelela kwizitampu kunye nephepha.
Usuku lweKomishinari luhlala lubanjwa kube kanye ngeveki kwaye lunokonwatyiswa kuphela ukuba ibanjwa linemali kwiakhawunti yabo yoburhulumente. Iakhawunti yomthunywa webanjwa ifana neakhawunti yebhanki kwiziko elo.
Zintathu iindlela elinokuthi ibanjwa lifake imali kwiakhawunti yalo yokutya. Indlela yokuqala ibanjwa elinokufumana ngayo imali kwiakhawunti yayo yokutya kukusebenza ngaphakathi kwiziko, ngesiqhelo ukuhlawulwa okuphantsi. Indlela yesibini kukuba ibanjwa linohlobo oluthile lwengxowa-mali yokuthenjwa, ilifa, okanye amalungiselelo asemthethweni. Indlela yokugqibela kukuba abahlobo kunye nosapho babathumele imali.
Uyithumela njani imali kwibanjwa
Ukuthumela imali kwibanjwa kunokwahluka ngokwamazwe, ngokuxhomekeke ekubeni yintolongo, intolongo, okanye intolongo yomdibaniso.
Iintolongo zase-Federal kunye nezinye iintolongo zenqanaba zikarhulumente zineenkqubo eziphambili zebhanki. Ngokubanzi, onke amaziko aya kukuvumela ukuba ubeke imali kwigumbi lokungenisa okanye kwivenkile yokungenisa iindwendwe.
Uninzi lwezixhobo ziya kwamkela iodolo yemali ethunyelwe kwidilesi yeposi yebanjwa kwaye ihlawulwe kwibanjwa, kodwa ngoku amazwe amaninzi atshintshela kwibhanki ye-elektroniki. Ukubhankisha nge-elektroniki kuvumela abahlobo kunye nosapho ukuba bathumele imali kwi-intanethi, kwaye amasebe oluleko aqala ukuthanda le ndlela kuba ingumsebenzi omncinci kubasebenzi kwaye ichanekile / kulula ukuyilandela, kwaye ilunge ngakumbi.
Nokuba yeyiphi indlela yokuthumela imali, zininzi izinto eziphambili ekufuneka uzazi:
- Amabanjwa amagama apheleleyo alalisiwe
- Inombolo yesazisi yamabanjwa
- Indawo elikuyo ibanjwa ngoku
Phambi kokuba uthumele imali, kuya kufuneka ufumane inkqubo ethile yeziko ovalelwe kulo. Ungalufumana olu lwazi kwindawo yethu ngokuhamba uye kwiphepha lamaziko (sebenzisa ibha eluhlaza okwesibhakabhaka phezulu kwiphepha okanye ukhethe imeko yeziko efumaneka kwiphepha lethu lasekhaya).
Funda icandelo lemali yamabanjwa kwiphepha lezibonelelo kwaye unike ingqalelo kwimithetho enayo iziko. Ngokukodwa, jonga ukuba ingaba iziko lifuna ukuba ube kuluhlu lwabandwendweliweyo ukuze uthumele imali, kwaye uthini umda wokuthumela imali, kuba amanye amaziko oluleko aya kukuvumela ukuba uthumele ukuya kuthi ga kwi-200 leedola.
ukugcwalisa njani iodolo yemali yebanjwa
Yiya ku Iofisi yePosi yaseMelika , ebhankini okanye kwishishini elithengisa iMoney Order okanye iitsheki ezihlawulelwa kwangaphambili. Xa uthenga iodolo yemali, uya kubonelela ngesixa kumnikezeli. Uxwebhu olifumanayo luya kubandakanya loo mali, ngenxa yoko akuyi kufuneka uyizalise.
Nangona kunjalo, ukugqiba ngempumelelo iodolo yemali, kuya kufuneka unikezele ngolwazi oluceliweyo:
- Igama: Bhala igama elipheleleyo lomntu okanye lenkampani ehlawulayo ngomyalelo wemali. Eli candelo linokubizwa ngokuba yi-Pay to order of, Pay to, or Payee. Kuphephe ukushiya le ndawo ingenanto okanye ukuhlawulwa kwemali ezinkozo, kungenjalo inokutshintshwa nangubani na, kwaye ubeka emngciphekweni wokuphulukana nemali ukuba iodolo ilahlekile okanye ibiwe. Abanye abakhupheli bafuna igama lomthengi kwicandelo elibhalwe Ukusuka.
- Idilesi: ezinye iiodolo zemali ziqulathe umhlaba wokuba ubonelele ngedilesi yakho yokuthumela ngoku ukuba kunokwenzeka ukuba umamkeli afune ukunxibelelana nawe malunga nentlawulo. Nangona kunjalo, ukuba unenkxalabo malunga nokuba yimfihlo kwakho, unokukwazi ukulushiya olu lwazi. Buza umthumeli weodolo yemali kunye nommkeli ukuba yintoni efunekayo. Ii-odolo zemali ze-USPS zibandakanya intsimi yedilesi ngasekhohlo kwidilesi yommkeli kunye nenye ekunene kwidilesi yomthengi, ukuze zombini idilesi yomamkeli kunye nedilesi yakho ivele.
- Iinkcukacha ezongezelelweyo: Kuya kufuneka ubandakanye ulwazi olongezelelekileyo malunga noku-odolwa kwemali ukuze intlawulo iphathwe ngokuchanekileyo. Oku kunokubandakanya inombolo yakho yeakhawunti, ukuthengiselana okanye iinkcukacha zeodolo, okanye naliphi na elinye inqaku elinceda umamkeli abone isizathu sentlawulo. Eli candelo linokuthiwa ilele: okanye iMemo. Ukuba akukho ndawo yolwazi olongezelelweyo, bhala phambi koxwebhu.
- Yomelele: Ezinye iiodolo zemali zifuna utyikityo. Khangela indawo ephawulwe utyikityo, uMthengi, okanye iDrawer ngaphambili koxwebhu. Sukutyikitya ngasemva uxwebhu kuba kulapho umamkeli asayina khona ukuxhasa iodolo yemali.
Emva kokugqiba iodolo yakho yemali, gcina zonke iirisithi, iikopi zekhabhoni, kunye namanye amaxwebhu owafumana ngexesha lokuthenga xa kunokwenzeka ukuba kukho ingxaki kwintlawulo yakho. Ungawafuna la maxwebhu ukurhoxisa iodolo yemali, kwaye anokunceda ekulandeleleni okanye ekuqinisekiseni intlawulo.
Apho imali iya khona
Ngelishwa, abantu abaninzi baye baxela ukuthumela imali kwibanjwa, kuphela ukuba ibanjwa licele imali ethe kratya kwiintsuku nje ezimbalwa. Iinkcazo zokuba imali ihambe phi zinokwahluka ukusuka kwinyani ukuya kubuxoki. Inyaniso: Amanye amazwe aya kufuna ukuba nayiphi na imali efunyenwe libanjwa inepesenti eyasasazwayo phakathi kwezohlwayo kunye nokubuyiselwa. Ngamanye amaxesha, ibanjwa linokuthenga izinto ngemali yalo ukuze amanye amabanjwa ahambe nazo.
Kufuneka uxhalabe nini ukuba ibanjwa lenza into engekho mthethweni kule mali uyithumelayo? Elona cebiso libalulekileyo endinokukunika lona kukungaze uthumele imali kwiakhawunti yebanjwa ngaphandle kwebanjwa onobuhlobo okanye ilungu losapho. Ukuba ibanjwa lakho likucela ukuba ubhatale iakhawunti yomhlobo wakho, lumka kuba oku kusoloko kungumqondiso wezenzo ezingekho mthethweni.
Isebe lezolungiso alisoze lifune ukuba imali ithunyelwe ngolu hlobo, kwaye iyalithintela. Amabanjwa ahlala esithi imali leyo kufuneka iye kwiakhawunti yelinye ibanjwa kuba imali eya kwiakhawunti yabo kuya kufuneka isuse intlawulo yenkundla, njl. ipesenti.
Kwakhona khumbula ukuhlala ugcina iirisithi kunye neenombolo zoku-odola. Xa uthumela i-odolo yemali kwibanjwa, gcina istub ngenombolo yoku-odola imali amaxesha ngamaxesha, ii-odolo zemali ziyalahleka ngoko ukuba nendlela yokulandelela iodolo yemali ikubonelela ngesixhobo kwaye ngamanye amaxesha iyakuba bubungqina bakhe bokuba ibanjwa lifumene imali xa bamxelela ukuba kwiintsuku ezintathu kamva abayifuni kwaye bafuna enye imali… Ungahlala unxibelelana nomcebisi webanjwa lakho ukuba uziva ngathi kukho into eyenziwayo engekho mthethweni.
Iphepha elichazayo ukuba awusenanto oyifunayo: Eli linqaku elinolwazi. Ayililo ingcebiso yezomthetho.
I-Redargentina ayiniki ngcebiso zomthetho okanye zomthetho, kwaye ayenzelwanga ukuba ithathwe njengengcebiso yezomthetho.
Umbukeli / umsebenzisi weli phepha lewebhu kufuneka asebenzise olu lwazi lungentla kuphela njengesikhokelo, kwaye uhlala enxibelelana nemithombo engentla okanye abameli bakarhulumente bomsebenzisi ngolwazi oluninzi olusexesheni ngelo xesha.
Iziqulatho