Ukuphepha amaqhinga emva kwesiqhwithi¶

Eli phepha likunceda uqaphele amaqhinga emva kwesiqhwithi, i-typhoon, okanye i-cyclone, ukhangele abantu abafuna imali yakho okanye ukufikelela kwikhaya lakho, kananjalo uxele ubuqhinga. Abaqhubi-mishini bobuxoki balandela iziqhwithi kuba abantu bexineke, baswele ixesha, kananjalo belinde imali. Imizuzu elishumi yokukhangela ingakhusela imali oyifunayo ekuchacheni.

Ukuba wenza izinto ezintathu kuphela¶

1. Soze uhlawule ngokupheleleyo ngaphambili, kananjalo soze uhlawule ngemali ebonakalayo, ukuthumela imali, ikhadi lesipho, i-cryptocurrency, okanye iapp yentlawulo kumntu ongamaziyo.
2. Abasebenzi boncedo lorhulumente bokwenyani kunye nabalinganiseli benshuwarensi baphatha isazisi senefoto kananjalo abaxoli ntlawulo yokufaka isicelo, ukukhangela, okanye ukukhawulezisa izinto.
3. Cotha. Vala ifowuni, uvale ucango, kananjalo ukhangele kwiziko okwenyani okanye inkampani ngokwako ngaphambi kokutyikitya okanye ukuhlawula.

Iimpawu zesilumkiso zaphantse zonke amaqhinga¶

Uninzi lwamaqhinga emva kwesiqhwithi lwabelana ngeempawu ezifanayo. Ukuba uqaphela nokuba yinye, yima kananjalo ukhangele.

• Uxinzelelo. "Tyikitya namhlanje." "Amaxabiso ayanyuka ngomso." "Uncedo lwakho luya kurhoxiswa."
• Iimfuno zentlawulo. Imali ebonakalayo kuphela, izibambiso ezinkulu, ikhadi lesipho, ukuthumela imali, i-cryptocurrency, okanye imali ethunyelwe kwisikhwama semali yefowuni yobuqu.
• Imirhumo yezinto zasimahla. Imirhumo yokubhalisa uncedo, ukungena kuluhlu loncedo, okanye "ukukhawulezisa" isibango.
• Iimfuno zeenkcukacha zobuqu. Inombolo yesazisi sesizwe, ukungena kwi-akhawunti yebanki, i-PIN, ikhowudi yexesha elinye, okanye inombolo yobhaliso loncedo. EMelika oku kuquka inombolo ye-Social Security.
• Bakuqhagamshele kuqala. Ingqongqo emnyango, umnxeba ongalindelekileyo, umbhalo olinki, okanye umyalezo kwisocial media.
• Akukho bungqina. Akukho ID, akukho ilayisensi, akukho isivumelwano esibhaliweyo, kananjalo akukho dilesi yendawo.

Abaqhubi-mishini bobuxoki bakopa amalogo, iyunifomu, kunye namagama abonakala esemthethweni. Ivest okanye ibhaji eprintiweyo asiyobungqina, ngoko khangela umntu kunye nombutho, hayi impahla.

Oko ukufanele ukwenze ukuba umntu usemnyango wakho¶

Amaqhinga amaninzi esiqhwithi aqala ngengqongqo. Sebenzisa indlela efanayo amaxesha onke.

1. Musa kuvula ucango kunabani na ongamlindele. Unganokuthetha ngocango oluvaliweyo okanye ngefestile.
2. Buza ngubani, baphatha nayiphi na inkampani okanye iziko, kananjalo ubuze i-ID yabo. Bhala igama kunye le-ID number.
3. Fowunela inkampani okanye iziko kwinombolo oyifumana ngokwako, usuka kwiwebhsayithi yayo esemthethweni, kwipholisi yakho yenshuwarensi, okanye iiphepha lakho lendawo. Musa kusebenzisa inombolo umtyeleli akunikezelayo.
4. Ukuba bangakwazi kungqina ukuba ngubani, bacela imali, okanye bacela ukubona ikhadi lebanki yakho okanye i-PIN, baxelele bahambe. Fowunela amapolisa ukuba abafuni.

Abakhangeli kunye nabalinganiseli bomonakalo bokwenyani balindele ukuba ukhangele. Bangathanda ukuba ufowune kunokuvumela umntu ongamaziyo angene ekhayeni lakho.

Ubuqhinga babachweli-mhlonishwa kunye nokulungisa¶

Amaqela okulungisa, abaqhawuli bemithi, kunye noophahla abahamba esiqhwithini ukuya esiqhwithini bafika kwiintsuku. Abanye babo ngabasebenzi bokwenyani abavela kude. Abaninzi abanjalo. Umchweli-mhlonishwa onyanisekileyo emva kwesiqhwithi ngesiqhelo uxakeke ngokwaneleyo kuba angadingi kungqongqoza emacangweni.

Iimpawu zesilumkiso:

• Bafika emnyango wakho ngaphandle kokucelwa, amaxesha amaninzi kwangoko emva kwesiqhwithi.
• Isithuthi asinalo igama lenkampani, okanye iplate zaso zivela kude, kananjalo abanayo idilesi yendawo.
• Bafuna isibambiso esikhulu okanye intlawulo yonke ngaphambi kokuba umsebenzi uqale, ngakumbi ngemali ebonakalayo.
• Banikezela "ukuqubisana" okanye ukuxolela ideductible yenshuwarensi yakho. Kuvimbana kwiindawo ezininzi, kananjalo unganoxanyulelwa ngako.
• Bathi inshuwarensi yakho okanye urhulumente wabathumele, kodwa abakwazi kungqina oko.
• Bafumana "umonakalo ofihliweyo" ongekwaziyo ukubona, okanye banika izixhobo ezisele "kumsebenzi ocaleni" ngexabiso eliphantsi.

Itarpu kuphahla inganokukunika iiveki ngoxa ufumana umntu onesidima, ngoko awudingi kuqesha iqela lokuqala elifikayo. Jonga imithi kunye neetarpu indlela yokugubungela uphahla ngokhuseleko.

Ngaphambi kokuqesha nabani na¶

• Fumana igama elipheleleyo lenkampani, idilesi yendlela, kunye nenombolo yefowuni. Tyelela okanye ufowunele idilesi.
• Buza inombolo yelayisensi kananjalo uyikhangele ngokwakho kwiofisi enika ilayisensi kubachweli-mhlonishwa kunye noomsebenzi apho uhlala (ibhodi yelayisensi yesithili eMelika). Ifoto yelayisensi ayisibungqina.
• Buza ubungqina benshuwarensi yomthwalo, kananjalo ufowunele inshuwarensi ukuqinisekisa ukuba ipholisi isebenza.
• Fumana ubuncinci amaxabiso amabini okanye amathathu obhaliweyo ngomsebenzi omkhulu.
• Buza abangqina babini okanye abathathu abemsebenzi wendawo wamva, kananjalo uhambele omnye ukuba unako.
• Khangela izikhalazo kwiofisi yakho yokukhusela umthengi (i-attorney general yesithili eMelika).

Isivumelwano kunye nentlawulo¶

• Fumana isivumelwano esibhaliweyo esiluhlu lomsebenzi, izixhobo, ixabiso elipheleleyo, imihla yokuqala kunye nokugqiba, kunye noshedyuli lentlawulo.
• Musa kutyikitya nantonkhe enezithuba ezingenanto.
• Hlawula isibambiso esincinci, emva koko uhlawule ngamanyathelo njengoko umsebenzi ugqitywa. Bamba intlawulo yegqibela de umsebenzi ugqitywe kananjalo wonelisekile.
• Hlawula ngetshekhi, nge-transfer yebanki kwi-akhawunti yeshishini, okanye ngekhadi, ukuze kubekho irekhodi.
• Fumana irisiti ebhaliweyo kwintlawulo nganye.
• Buza ukuba kudingwa amavumelwano, kananjalo uqinisekise ukuba umchweli-mhlonishwa afake isicelo sawo.

Isibambiso sezixhobo siqhelekile. Isibambiso esiyeyona nxalenye yexabiso asiqhelekile. Buza oko isibambiso sihlawula, kananjalo ubhale impendulo kwisivumelwano.

EMelika, cela i-lien waiver okanye i-lien release xa uhlawula, ukuze abasebenzi bomsebenzi okanye abanikezeli abangahlawulwanga bangenakho ukufaka isibango kwikhaya lakho kamva.

Ukutyikitya isibango senshuwarensi yakho kumntu wumbi¶

Kufana ngokutyikitya itshekhi yenshuwarensi kumchweli-mhlonishwa. Yifake kwi-akhawunti yakho, emva koko uhlawule umchweli-mhlonishwa njengoko umsebenzi ugqitywa. Ukuba inshuwarensi yakho icela utyikitye umyalelo wokuhlawula, cela inshuwarensi ichaze ngokubhaliweyo kuqala.

Abasebenzi boncedo bobuxoki kunye nabakhangeli¶

Abasebenzi boncedo lorhulumente bokwenyani baphatha isazisi senefoto esisemthethweni. Iyunifomu, ivest, umnqwazi, okanye ibhodi ayisibungqina. Abaxoli mirhumo, kananjalo abaceli iPIN okanye password yakho yebanki.

• Cela ukubona i-ID. Bhala igama kunye le-ID number.
• Ukuba ubungalindele ukutyelelwa, fowunela iziko kwinombolo oyifumana ngokwako kananjalo ubuze ukuba ukutyelelwa kokwenyani.
• Ukuba umntu akanakukhombisa i-ID okanye acela imali, musa kumvumela angene.
• Abalinganiseli benshuwarensi baphatha i-ID yenkampani kananjalo banganika inombolo yakho yesibango. Fowunela inshuwarensi yakho ukukhangela.

EMelika, abakhangeli be-FEMA baphatha ibhaji ye-ID yefoto ye-FEMA. Batyelela amakhaya abantu abhalisileyo uncedo, kananjalo abaxoli mali okanye iinkcukacha zebanki. Fowunela i-FEMA Helpline ku-1-800-621-3362 ukukhangela utyelelo.

Uluhlu loncedo lobuxoki kunye nemirhumo yobhaliso¶

Kumazwe amaninzi, uncedo lunikezwa ngoluhlu olwenziwe ngamagosa endawo, iinkokeli zoluntu, okanye amaqela oncedo. Abaqhubi-mishini bobuxoki basebenzisa oko, kuba umntu ofuna ukungena kuluhlu uhlala elungele kuhlawula.

• Akukho mntu ufanele akurhumise ukungena kuluhlu loncedo okanye ukufumana impahla yoncedo, izibonelelo zemali, okanye indawo yokuhlala.
• Qaphela abantu abathi banganikwa uncedo ngakumbi okanye bakunyusele kuluhlu, ngentlawulo okanye isabelo semali.
• Ubhaliso lokwenyani lwenzeka ngeofisi yorhulumente wakho wendawo, iziko loncedo, okanye umbutho oncedo owaziwayo. Buza amagosa ngqo ukuba awuqinisekile.
• Xela nabani na ofuna imali ngoncedo kurhulumente wakho wendawo kunye neziko elinika uncedo.

Amaziko oncedo bobuxoki¶

Emva kwentlekele nganye, amaziko oncedo bobuxoki abonakala njengawokwenyani. Afowuna, athumela umbhalo, apositi kuintanethi, kananjalo aqokelela imali esitratweni. Imali ayifikelele kubantu ekufuneke ifikelele kubo.

• Nikezela kumaziko owaziqhelayo, njengenkampani yakho ye-Red Cross okanye i-Red Crescent yesizwe okanye amaqela endawo amiselweyo.
• Ngaphambi kokunikezela kwisizwe esingaqhelekileyo, buza oko imali iya kukuthenga kunye nendlela iya kunikezelwa ngayo. Iziko lokwenyani linganika impendulo zombini ngokubhaliweyo.
• Khangela amaziko angaqhelekileyo kumlawuli wamaziko woluntu lorhulumente wakho okanye inkonzo yokulinganisela amaziko.
• Soze unikezele ngekhadi lesipho, ukuthumela imali, okanye i-cryptocurrency.
• Musa kucofa amalinki kwimiyalezo engalindelekileyo. Hamba kwiwebhsayithi yeziko ngokutayipha idilesi ngokwakho.
• Qaphela kunikezelo lwe-online lwabantu abazimeleyo. Nikezela kuphela xa uyazi umntu okanye umlungiselelo.

Iphepha lethu malunga neindlela yokunceda linoluhlu lweendlela zokunikezela ezifikelela kubantu.

Imibhalo, imnxeba, kunye ne-imeyile zobuxoki¶

Abaqhubi-mishini bobuxoki bathumela imiyalezo ebonakala ngathi ivela kwiziko loncedo lorhulumente, inshuwarensi yakho, ibanki, inkonzo yemali yefowuni, okanye inkampani yombane. Bathi uncedo lwakho lulinde, isibango sakho sidinga "ukuqinisekiswa", i-akhawunti yakho ikhiywe, okanye umbane wakho uya kucinywa ngaphandle kokuba ucofa ilinki okanye uhlawule ngoku.

• Musa kucofa amalinki kwimiyalezo engalindelekileyo. Tayipha idilesi yewebhsayithi ngokwakho, okanye ufowunele inombolo kwipholisi yakho, ikhadi, okanye ibhili.
• Khangela idilesi okanye inombolo yomthumeli. Amadilesi afana, onetshintsho lwonobumba omnye okanye igama elongezelelweyo, aqhelekile.
• Soze wabelane ngekhowudi yexesha elinye okanye i-PIN. Akukho ziko okanye ibanki yokwenyani iya kucela enye.
• Iinkampani zombane azikuceli intlawulo ngoko nangoko ngekhadi lesipho okanye ngokuthumela imali.
• Ukuba umntu ofowunayo ucindezela, vala ifowuni kananjalo ufowune kwakhona kwinombolo oyifumana ngokwako.

Ukuba sele uhlawule umqhubi-mishini wobuxoki¶

Yenza ngokukhawuleza. Intlawulo ezithile zinganokuyekiswa okanye ziphikiswe ixesha elifutshane emva kokuba zenziwe.

1. Fowunela ibanki yakho, umnikezeli wekhadi, okanye umnikezeli wemali yefowuni ngoko nangoko. Bacele ukuyekisa okanye ubuyise intlawulo kananjalo baphawule i-akhawunti. Bhala inombolo yecala okanye yoqhagamshelwano abakunikayo.
2. Tshintsha iipassword zee-imeyile kunye nee-akhawunti zebanki. Vula ukuqinisekiswa kwamanyathelo amabini apho kunikwayo. Musa kunika nabani na iikhowudi zakho zexesha elinye.
3. Bhala oko kwenzekileyo: amagama, iinombolo, imihla, izixa, kunye nendlela owahlawula ngayo. Gcina imiyalezo, iirisiti, kunye nee-screenshot.
4. Xela amapolisa, kunye neziko okanye inkampani umqhubi-mishini wobuxoki wathi nguye.
5. Jonga iistatimenti ze-akhawunti yakho iinyanga ezininzi, kananjalo uxelele abamelwane bakho. Abaqhubi-mishini bobuxoki bahlala basebenzisa isitrato esifanayo ngaphezulu kwesinye.

Qaphela iqhinga lesibini. Umntu othi angabuyisela imali yakho ngemirhumo phantse ngamaxesha onke ngumqhubi-mishini wobuxoki. Musa kuhlawula "inkonzo yokubuyisa" ekuqhagamshela emva kokulahlekelwa.

Ukunyusa amaxabiso ngokungafanelekileyo¶

Iindawo ezininzi zenza kungekho mthetho ukunyusa amaxabiso ngokukhawuleza kwiimfuno ngexesha lentlekele esimemezelweyo. Izinto eziqhelekileyo zichaphazeleka ziquka amanzi, ukutya, ifuel, umqwa, iijenereyitha, izixhobo zokwakha, amagumbi ehotele, kunye nothutho. Imithetho iyahluka ngokwelizwe kunye nommandla, kananjalo ezinye iindawo azinawo loo mthetho konke konke.

Ukunyusa amaxabiso ngokungafanelekileyo kuhlala kufana nokunye kwezi:

• Ibhotile yamanzi okanye isaka lomqwa elixabisa izithuba ezininzi kunexabiso laloliqhelekileyo.
• Ijenereyitha okanye isarha enexabiso "elentlekele" kulo.
• Igumbi lehotele okanye ifuel elinyuka kabini ngobusuku obunye.
• Imirhumo yokuhambisa okanye inkonzo "ekhawulezileyo" ebingarhunwanga ngaphambi kwesiqhwithi.

Ukuba ixabiso libonakala liphezulu ngokungaqhelekileyo kwelona linganokwenzeka, thatha ifoto yexabiso kunye nerisiti yakho. Qaphela igama leshishini, idilesi, umhla, kunye nexesha. Xela kwiofisi yakho yokukhusela umthengi (i-attorney general yesithili eMelika). Fumana ubuncinci amaxabiso angaphezulu kwelinye ngokususwa kwemithi, ukutsalwa, kunye nokulungisa, kuba zezi izigulane eziqhelekileyo.

Amaqhinga eendawo zokuqesha kunye nokuhlala¶

Xa iintsapho ezininzi zidinga indawo yokuhlala ngexesha elinye, abaqhubi-mishini bobuxoki baposita uluhlu lweendawo zokuqesha zobuxoki. Bakopa iifoto zokwenyani, banikezela ixabiso eliphantsi, kananjalo bacela isibambiso ngaphambi kokuba ukwazi kuyibona.

• Soze uthumele imali ngendawo yokuqesha ongayibonanga ngokwakho, okanye umntu owuthembileyo angayityeleli.
• Musa kuhlawula ngokuthumela imali, ikhadi lesipho, okanye iapp yentlawulo kumntu ongakhange umbone.
• Qaphela ukuba ixabiso liphantsi kakhulu kunamakhaya afanayo akufutshane, okanye ucindezelwa wenze isigqibo ngaphambi kokuba ukwazi kubona ngaphakathi.
• Qaphela ukuba "umnini-ndlu" ukwelizwe lingaphandle kananjalo angakwazi kukubonana okanye akubonise ngaphakathi.
• Khangela idilesi kunye nomnini kumarekhodi empahla yendawo ukuba unako. Buza ummelwane okanye iofisi yorhulumente wakho wendawo ukuba impahla ikho kunye nokuba ngubani ohlala kuyo.
• Fumana ilease ebhaliweyo ngaphambi kokuhlawula imali ngaphezulu komrhumo wokubamba osengqiqweni.

Iimali yemali ebolekiweyo, imisebenzi, kunye namanye amaqhinga¶

• Iimali yemali ebolekiweyo. Qaphela ababoleki abakuqhagamshela emva kwesiqhwithi ngemali yakhawuleza kunye namaphepha amancinane. Cela ixabiso elipheleleyo ngokubhaliweyo ngaphambi kokuboleka. Thetha kubanki yakho, ivenkile yemali, okanye umboleki we-microfinance owaziwayo kuqala.
• Imisebenzi. Imisebenzi yokuchacha yobuxoki icela uhlawule ngoqeqesho, izixhobo, okanye imvume yomsebenzi ngaphambi kokuba uqale. Abaqeshi bokwenyani abakurhumisi ukusebenza.
• Uncedo ngamafomu. Ukufaka isicelo soncedo lorhulumente ngesiqhelo simahla. Qaphela nabani na ofuna ukuhlawulwa ukugcwalisa amafomu, kananjalo musa kuvumela nabani na athathe isazisi okanye ikhadi lakho lebanki "ukukufaka isicelo esikhundleni sakho".
• Ukufikelela kude. Musa kuvumela nabani na athathe ulawulo lwefowuni okanye ikhompyuta yakho "ukulungisa" isibango okanye i-akhawunti yakho.
• Abasebenzi bombane bobuxoki. Abantu abenza ngokungathi basebenzi bombane, amanzi, okanye igesi banganokuzama ukungena kwikhaya lakho. Cela i-ID kananjalo ufowunele inkampani ukukhangela.

Apho ufanele uxele ubuqhinga¶

Ukuxela kunceda ukuyekisa abaqhubi-mishini bobuxoki ngaphambi kokuba bafikelele kubamelwane bakho. Gcina nayiphi na imiyalezo, iirisiti, iikhadi zeshishini, kunye neefoto njengobungqina.

• Amapolisa ngobuqhinga bemnyango nemnyango, ubusela, kunye nonabani na owenza ngokungathi ngumsebenzi osemthethweni.
• Iofisi yakho yokukhusela umthengi ngabachweli-mhlonishwa kunye nokunyusa amaxabiso ngokungafanelekileyo (i-attorney general yesithili eMelika).
• Iziko loncedo lokwenyani ngonabani na owenza ngokungathi ngumsebenzi walo okanye orhumisa uncedo. EMelika, fowunela i-FEMA Helpline ku-1-800-621-3362.
• Umgca wobuqhinga wenshuwarensi yakho ngonabani na owenza ngokungathi ngumlinganiselo womonakalo okanye onikezela ukuqubisana ne-deductible yakho.
• Ibanki yakho okanye umnikezeli wemali yefowuni ngoko nangoko ukuba imali yashiya i-akhawunti yakho.

Iiphepha lakho lendawo linoluhlu lwoqhagamshelwano lwesiqhuba-ngqondo kunye nokukhusela umthengi apho uhlala.

Izikhokelo ezihlobene¶

• Izibango zenshuwarensi yesiqhwithi kunye noncedo lwentlekele
• Imithi eyiwileyo, isarha yomthi, kunye neetarpu zophahla
• Indlela yokunceda emva kwesiqhwithi
• Inshuwarensi yesiqhwithi kunye namaxwebhu abalulekileyo
• Imithombo yenkcazelo yesiqhwithi esemthethweni