Iwe unogona kuva nezvikwereti (zvisina kuwanikwa cheki) haukwanisi kutumira kune mutengesi, pamusoro-kubhadhara kune mutengi, kana mubhadharo usina kuchengetwa nemushandi, kana imwe nzvimbo inowanikwa kune mumwe munhu kunze kwekuti ibhizinesi yako rine zvayo uye iwe hauzive kuti ungawana sei chivako ichi kumunhu ane chayo.
Zvakakosha kuziva kuti mitemo ine chokuita nezvinhu zvisina kuchengetwa (kusanganisira zvikwereti) zvinotungamirirwa nemunhu oga. Iyi mitemo ndeyeye nyika umo mutengi ari, kwete nyika iyo bhizimisi rako riri.
Kana bhizinesi yako iri mumamiriro ezvinhu apo iwe haugoni kuwana muridzi weimba isina kukodzera, kune zvinhu zviviri zvaunofanira kuita:
1. Itai zvose zvingaita kuti muwane mubhadharo kuitira kuti muvape mari.
2. Kana iwe usingakwanisi kuwana mupiki panguva yakafanira, unofanira kutaurira kusava nekubhadhara kuhurumende yako nekubhadhara mari kuhurumende, saka inowanikwa kune mupiro munguva inotevera.
Ngatiti iwe wakabhadhara mushandi uyo akasiya kambani yako uye uyo asina kubhadhara mubhadharo. Iwe une mari mubhizinesi rako rebhizimisi rebhizimisi, asi rangarira kuti haisi yako pfuma. Nzvimbo isingazivikanwi inonzi inofanirwa kubhadhara zvinyorwa; iyo ndiyo, iyo pfuma yauri kubata asi iyo isiri yeimba yako yekambani.
Bhizimisi rako rine mabasa maviri edzimba risina kuchengetwa: (1) kuudza uye kubhadhara mari isina kukodzera kune yakarurama, uye (2) kuve nechokwadi kuti kambani yakakodzera inoratidza mutoro pairi bhadharo.
Unclaimed Property uye Bhizinesi Rako Kuchengetedza Bhuku
Nokuda kwekuchengetedza mabhuku, kana iwe ukasvika pakatarisana nekuti iwe unofanirwa kuudza cheko risina kubvumirwa kuenda kune yako nyika, unogona kufunga kuvhara cheki uye kuisa mari yacho mukamberi yekukwidza. Izvi zvichatibatsira kuve nechokwadi chokuti mari haisati yashandiswa zvisina kujeka.
Iwe unofanira kunge wakatobhadhara mitero yebasa pamutengo uyu.
Chengeta zvakanaka zvose zvinyorwa pamusoro pemutengi uyu kana mushandi uye iva nechokwadi chokuti unoramba uchiedza kuonana nomunhu nguva dzose. Justin Pritchard, Expert Banking pa The Balance, ane template yekutengesa kwakanyanya iwe unogona kuongorora kushandisa.
Kuzivisa uye Kubhadhara kuHurumende
Nheyo ye escheat (inonzi "es-cheat" sezvainoita) inotonga pano. Escheat zvinoreva "kuzvipira," uye yakavakirwa pamutemo unowirirana wemutemo unoda kuti pfuma isina kudzorerwa idzoserwe (kuzvipira) kuhurumende, kwete kuchengetedzwa nemunhu ane. Pfungwa iyi ndeyokuti imba yacho haisi yako, uye kuti hurumende ine zvimwe zvigadziro zvekuwana munhu kana kambani ine umiridzi.
Kana pasina muridzi anowanikwa, hurumende inochengetedza nzvimbo. Mhando dzeimba inogona kushandiswa ndeyekuongorora (kusanganisira kubhadharwa), mari yebhadharo, mari yepamusoro-soro, kubhadharwa kwekwereti y kana vasingakwanisi kubhadhara kune vatengesi, mibairo yebhadharo, uye cheki chekuongorora.
Mitemo yehurumende paNyika isingazivikanwi
Zvose zvinoremekedza mitemo yechechi inotsanangura nguva uye maitiro. Mitemo yehurumende inowanzosanganisira matanho aya:
- Hurumende inotsanangura nguva yenguva dzisina kubatana pamusoro peimba.
- Zvino gore negore pane nguva yekuedza kuwana vadzidzisi, kutumira tsamba yekushingaira kune tsamba yekupedzisira inozivikanwa. Zvinenge zvakanaka kuti utumire tsamba idzi nemaeji anonyatsozivikanwa kana kuti "kubhadhara rezari yakakumbirwa," saka iwe une rekodhi yekuedza kutaura nemunhu kana kambani.
- Mushure menguva iyi mugore, unofanira kutumira mushumo kuhurumende uye kubhadhara mari inokonzerwa neimba yausina kukwanisa kuonana nayo.
Unclaimed Paychecks
Zvikwereti zvisingatauri zvakare zvinotungamirirwa nemitemo yeescheat sechinhu chisingatauri. Mitemo yenyika umo mushandi wekupedzisira akashanda anoshandisa. Kana iwe uine mubhadharo kune waimbova mushandi kana mushandi uyo asina kumbobvunzwa kwenguva yakati, unofanira kutevera mamiriro ehurumende ekutaurira nguva yakafanana nedzimwe nzvimbo.Cherechedzai nyaya ino kuti uwane mamwe mazano pamusoro pokuti ungagadzirisa sei zvikwereti zvisina kukodzera.
State Escheat Laws
Iwe unogona kutsvaga nezita rako renyika uye shoko rokuti "escheat." Somuenzaniso, tsvaga "mitemo yeAcheat escheat." Iwe unogona kutarisa pawebsite yehupfumi wako wehurumende, dhipatimendi rezvemari , kana sangano rekuteresa kuti uwane ruzivo. Yeuka, humwe hurumende ine zvakasiyana siyana zvinodiwa. Iyi webhusaiti neye gweta inosanganisira mamwe mashoko pamusoro pezvinhu zvisina kuchengetwa, kusanganisira zvinyorwa kune mitemo inowanikwa munyika dzose.
Kubhadhara Kwekusaziviswa Pfuma
Kuongororwa kweimba isina kuchengetwa kunowirirana zvichienderana nehuwandu hwekuti nzvimbo yacho ichadanwa. Maererano ne Journal of Accountancy, muzviitiko zvakawanda zvakanakisisa kuti uzive kurasikirwa, kubva pane zvinyorwa zvekuverenga, kunyange usati watendeukira kuhurumende. Taura nemudzidzisi wako wekubhadhara mutero usati wapera gore kuti ukurukure urongwa hwako hwezvinhu zvingave zvisingambozivikanwi.
Dzimwe mazano ekubata neimba isina kuchengetwa
- Tsvaga mitemo yehurumende yako , kana kuti yese iyo inoshandiswa nevashandi. Chengetedza zvakanyanya nguva inotevera yaunofanirwa kuudza iyo pfuma isingazivikanwi kuhurumende.
- Gadzira mazano nemitemo yekuunganidza ruzivo pamusoro peimba isina kuwanikwa uye nguva yekudzokorora urongwa uye kutumira zvinyorwa gore negore.
- Zvadaro, gadza nguva gore roga roga pakubika uye kubhadhara pfuma isina kuwanikwa.
State Audits
Pakupedzisira, rangarira kuti pfuma isingawaniki haisi iyo yekambani yako. Nyika dzinogona uye dzinoita zvekuongorora zvinhu zvisingateereri, uye dzinogona kuongorora mari uye zvikwereti zvisingateereri nemitemo yenyika.