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Akaunti Yakubanki Ya Offshore: Ndi Chiyani? Chifukwa Chiyani?

Chapter 1


Akaunti ya Bank Offshore

Chinthu choyamba chozindikira pamene mukuganizira mabanki akumtsinje ndikuti zikufanana kwambiri ndikusungako msewu. Mutha kuwona akaunti yanu pa intaneti. Mutha kutumiza ma waya ku banki mu akaunti yanu. Mabanki ambiri a m'mphepete mwa nyanja ali ndi makadi a ngongole omwe amagwirizana ndi akaunti. Kuphatikiza apo, makampani ogwira ntchito akunja amapereka makadi olipira ngongole omwe amakhala ndi intaneti omwe mungalumikizane ndi akaunti yanu yakunyanja.

Monga mukudziwa, akaunti yakomweko siyokhala ndimapepala tating'ono tomwe timakhazikitsidwa mu dzenje la cubby lomwe lili ndi dzina lanu. Akaunti yanu ya banki ndi deta ya pakompyuta yomwe imasungidwa pa seva padziko lonse lapansi.

Ngati mutapita ku tchuthi china, mudzatha kupeza akaunti yanu, kuchotsa ndalama, ndi zina. mwina idathandizira pa kompyuta yomweyo padziko lonse lapansi monga bankiri yoyandikana nayo.

Chifukwa chake, zilibe kanthu kuti mumakhazikika pansi pakona kapena mbali ina ya dziko lapansi. Mwanjira iliyonse, ndalama zanu zili malo amodzi: pa kompyuta yapadziko lonse lapansi.

Bank Safe

Kutetezedwa kwa Bank Offshore

Pankhani yachitetezo cha banki, kumbukirani kuti pali miyezo yapadziko lonse lapansi yomwe mabanki amayenera kukwaniritsa. Ndiye kuti, banki isanavomereze osungitsa ndalama ochokera kunja iyenera kuyesa mayeso akukumana ndi mavuto azachuma. Mwachitsanzo, banki ku Belize, Nevis, Cook Islands, Switzerland kapena Cayman Islands ikadatha kutumiza ma waya mu madola aku US, nthawi zambiri imafunikira kupeza banki yolemba nkhani ku US. Kupeza ubale wogwirizana ndi banki kumakhala ndi zofunika zina. Mwachitsanzo, ziyenera kutsimikizira bungwe la US kuti magawo ake azachuma azitsatira machitidwe okhwima padziko lonse lapansi. Komanso, ziyenera kupitiliza mayesowa mosalekeza kuti ubalewo ukhalebe bwino.

Kuphatikiza apo, pali malamulo okhwima aboma mkati mwalamulo lililonse. Chofunika kwambiri komanso mwachangu ndikuti mabanki azisungirako ndalama zochulukirapo kuti atetezeke motetezedwa. Komanso, owongolera mosalekeza amayendera mabanki. Izi zimathandizira kutsimikiza kuti mabanki amapitilizabe kutsatira ndikukweza mbiri ya malo otchuka awa. Pali zoletsa paziwerengero, kuchuluka ndi chitetezo chofunikira pobwereketsa banki ndi zomwe mungagule. Pali zofunika kuchitira malipoti kotala kotala. Komanso, akuluakulu aku banki ayenera kudutsa cheke cham'mbuyo asanapeze mwayi wotsogolera.

Tsegulani Akaunti Yapakhomo

Standard & Regulations

Pali dongosolo loyendetsera mayiko mabanki. Awa ndi mfundo zomwe mabanki onse padziko lonse lapansi ayenera kutsatira kuti apereke ndalama kunja. Izi zikuphatikiza Basel III. Basel III ndi dongosolo mwatsatanetsatane. Komiti ya Basel pa Banking Supervision idapanga izi mu makampaniwo. Cholinga chake ndikukhazikitsa ndikugwirizanitsa malamulo, kuyang'anira ndi kuwongolera ziwopsezo zamagulu opanga mabanki padziko lonse lapansi. Cholinga cha izi ndikuchita izi;

  • Kupititsa patsogolo makampani ogulitsa mabanki kuti atenge zovuta zomwe zimachokera ku zachuma ndi zachuma, mosasamala kanthu komwe zimachokera
  • Kupititsa patsogolo kayendedwe ka ngozi, ntchito ndi kuyang'anira
  • Limbikitsani mabanki 'kuwonekera ndi kufotokoza

Pali miyezo yapadziko lonse lapansi ya Liquidity Coverage Ratio ndi zida zowunikira zomwe mabanki akuyenera kukhala nazo. Zimakwaniritsa izi powonetsetsa kuti banki ikukhala ndi katundu wokwanira wosalembereka wapamwamba kwambiri (HQLA). Izi ndi zinthu zomwe banki ingasinthe mosavuta komanso nthawi yomweyo kukhala ndalama. Mabungwewo amatha kutembenukira kumisika yamseri kuti akwaniritse zofuna zake zakupsinjika kwa 30 kalendala. Pali zosowa za Net Stable Funding Ratio. Malamulowa amafuna kuti mabanki azisungirako ndalama zazifupi komanso zazitali.

Anthu Bank Banks

Malo Odyera Mabanki Amagwirizana

Mabanki a ku Offshore ndi wamba. Zikuoneka kuti anthu oposa 2.7 miliyoni ku United States ali nawo madera akumtunda. Banking Yopanda gombe siyokhawo ya 1% yapamwamba. Banking yopita kumayiko ena imapezeka ndi aliyense ndipo aliyense amene akufuna kupezerapo mwayi pazopindulitsa zosiyanasiyana. Mabanki ambiri akunja amapereka ndalama zochepa. Chifukwa chake, amasankha njira yoyenera kwa aliyense amene akufuna kukhazikitsa akaunti yake kumtunda.

Komanso, ubwino wokhala ndi akaunti ya banki ya kumtunda pitani kupitirira mwayi wosakira ndalama zina ndi kubisala zinthu zanu. Izi phindu zimakhudza munthu wapakati ndipo zimatha kukonza zambiri zomwe mumachita tsiku lililonse kubanki. Pankhani yachitetezo, kupezeka, mwayi, komanso mtendere wamalingaliro, zikuwoneka kuti bankiri yakunyanja ndi njira yabwino yothetsera. Atha masiku akuganiza mabanki akunja ngati njira ina yakutali yobisira misonkho yobisira aboma anu. M'malo mwake, ndizovomerezeka, zoyenera komanso zoyenera kuchita ngati zikuchitidwa moyenera. Kuphatikiza apo, ndi njira yeniyeni, yothandiza, komanso yokhazikika yomwe ilipo kwa onse ofuna kugwiritsa ntchito mwayi wake.

zambiri

Kodi Muyenera Kuphunzirapo Zambiri?

Anthu ambiri aku America sakudziwa kuti banki yakunyanja ndi iti. Koma, tsoka, ino ndi nthawi yoyambira kuphunzira zowonadi zake. Kubanki yakunyanja ndi kugwiritsa ntchito njira yosungira ndalama kubanki losiyana ndi momwe mukukhalamo; kwambiri m'malo olimba, okhazikika. Pali zopindulitsa zambiri zachuma komanso zalamulo ku banki yomwe ili kumayiko ena. Izi zitha kukhala chifukwa chamachuma. Zitha kukhala chifukwa cha dongosolo losavomerezeka la federal lomwe limamangidwa ku boma lomwe lili ndi ngongole zambiri, monga ku USA. Mwinanso, zitha kukhala, monganso kulephera kwa Washington Mutual, mabanki okhala ndi mabungwe akulu akulu olephera mayeso opsinjika.

Chifukwa chake, zikuwoneka zofunikira kuyamba kupenda banking yakunyanja ngati njira yovomerezeka. Ndi mabanki aku America komanso ambiri ku Europe omwe akukulitsa, koposa, mungafunenso kuyang'ana pazifukwa zomwe tikambirane pansipa.

Galimoto Wallet

osiyana

Banking yopita kumayiko ena imapereka mitundu yosiyanasiyana yosunga ndalama. Izi ndizothandiza kwambiri kuti tisungire malo otetezeka, osungitsa nthawi yayitali. Mabanki ochepa owerengeka omwe amapereka njira zogwirizira ndalama zosiyanasiyana. Kusungitsa katundu wakunja kumayiko osiyanasiyana kumathandizira kuti munthu atenge phindu la kudumpha pakusintha kwa ndalama. Pambuyo pa ngozi ya 9 / 11, anthu ambiri adatsegula maakaunti aku banki aku Canada ndikusintha madola aku US kukhala madola aku Canada. Ambiri adapanga phindu lokongola la 30% monga dollar yaku US idakwera komanso imodzi yaku Canada ikulimbikitsidwa. Chifukwa chake, kukhala ndi ndalama zambiri kumatha kusinthitsa ndalama, kubwezerani ndalama zambiri pamisika ina komanso kuwononga pang'ono.

Mabizinesi Apadziko Lonse

Mabizinesi Apadziko Lonse

Zimapereka ndalama zosiyanasiyana. Ndizofunikanso kudziwa kuti pamene US inali yovuta ku 2008, msika waku Asia ukukulira. Kuchepetsa malonda anu kukulepheretsani. Chifukwa chake, mungafune kukolola zabwino zachuma zikuyenda bwino ngakhale chuma chanu chakunyumba sichingakhale. M'malo mwake, mungaganizire kukhazikitsa akaunti yakunja imodzi. Mwakutero, mutha kuonetsetsa kuti mukugwiritsa ntchito mwanzeru malamulo oyendetsera mayiko akunja. Mwachitsanzo, ku Switzerland, mabanki ndi makampani oyang'anira ndalama. Kubanki yaku Swiss kumabwera ndi oyang'anira ndalama ena apamwamba mdziko lapansi. Chifukwa chake, wokonza zandalama pachipangizochi angatanthauzire gulu lomwe limapereka kuphatikiza kukula ndi chitetezo. US imaletsa kuchuluka kwa malonda komwe wogulitsa patsiku angatenge nawo gawo. Kugulitsa kumayiko ena kumachotsa kapu iyi.

Mitengo ya Chidwi

Ndalama Zopindulitsa

Banks ku US nthawi zambiri limapereka chiwongola dzanja chochepa kwambiri pazosungidwa. Mwachitsanzo, pamsika waposachedwa, ngati mutayika $ 1,000 USD mu Januware, mudzangopanga chiwongola dzanja cha $ 10 pachaka. Ena angasangalale, kapena kusangalala, kuti apange ndalama iliyonse pazosunga zawo. Komabe, mukayerekezera ndi mabanki ena apadziko lonse, mutha kupeza chiwongola dzanja chambiri pamasamba anu obwera kunyanja. Tikulankhula ndi chidwi chokwanira kuti ndikupangeni kukhazikitsa akaunti malinga ndi phindu lokha. Malo monga Australia, Switzerland, Netherlands, ndi France sangangopereka chiwongola dzanja chachikulu pazosungitsa zanu zokha, koma adalembedwanso kunyumba ngati ena mabanki otetezeka kwambiri padziko lonse lapansi.

Kutumiza pachingwe

Sunthani Ndalama Mwachangu

Kuphatikizapo kusokoneza katundu wanu, pokhala ndi akaunti yaing'ono yakukwera kumtunda kumakuthandizani kuti mupite msanga. Otsatsa maakaunti aku Offshore amatha kusunthira ndalama zawo ngati zikufunika. Mwachitsanzo, mutha kukhala mu nthawi yomwe chitetezo chamalo moyenera chimakhala chofunikira. Kuphatikiza apo, mutha kukhala ndi zochitika nthawi zonse pamalonda apadziko lonse lapansi. Zonsezi ndizofunika paokha.

Pamodzi ndi izi, tikudziwanso kuti mabanki akunyumba nthawi zambiri amasunga ndalama zochepa kuti atulutse zochuluka kwambiri. Izi zimapangitsa kuti zikhale zovuta kwambiri kupeza ndalama zanu mwachangu. Chovuta ndikuti pano pali malo ambiri pomwe mtundu uwu wa malire ungakhale wovuta kuteteza chuma. Chifukwa chiyani izi ndizofunikira? Nachi chifukwa. Kodi mungatani ngati simungathe kutaya ndalama zanu mwachangu? Ndiye kuti, mutha kukhala ndi loya mzere kumbuyo kwanu yemwe akufuna kuti amasule akaunti yanu mpaka bankiyo ikapereka.

Chifukwa chake, kukhala ndi akaunti yakunyanja kumangiriza manja a mdani wanu. Mutha kusunthira ndalama zanu mwachangu ndipo / kapena kukhala ndi trasti wakunyanja kuti akutetezeni.

malingaliro olakwika

Maganizo olakwika

Mwinamwake kawirikawiri malingaliro olakwika a mabanki a m'mphepete mwa nyanja akubisa chuma cha munthu wamisonkho. Kunena zoona, izi sizowona, monga mabanki akumtunda ndi omwe amavumbulutsira msonkho. Izi zanenedwa, pali njira zina zomwe mungagwiritsire ntchito payekha pokhapokha mutagwiritsa ntchito akaunti ya ku Asia. Amamerika onse amasamukira $10,000 USD kapena zambiri, nthawi iliyonse, ziyenera kunena. Komabe, ndizotheka kukhala ndi akaunti yokhala ndi $ 10,000 USD osanenanso. Muyenera kutero, ngati mukusainira ku akaunti yakunja. Komabe, tikukulimbikitsani kwambiri kuti mulankhule ndi aphungu anu a misonkho.

Mayiko Ndi Mabanki Otetezeka

Safest Banks Ali Padziko Lonse

Chidziwitso chochuluka kwambiri cha banki. Dongosolo losungira mabungwe lomwe limasungira mabanki aku US, nawonso, limathandizidwa ndi dziko lomwe lili ndi ngongole zambiri padziko lapansi. Kuphatikiza apo, zofalitsa zapamwamba zatulutsa mndandanda wamabanki otetezeka padziko lonse lapansi; palibe amene anali mabanki aku US. Palibe. Tengani magazini ya Global Finance, mwachitsanzo, Amatulutsa mndandanda wamabanki otetezeka kwambiri a 50 chaka chilichonse. Chodabwitsachi ndikuti silinenapo banki yayikulu ku America. Pakulemba uku, mabanki aku America okha pa mndandanda “wabwino kwambiri” ndiwo mabanki atatu aulimi, ndipo amalemba mndandanda wa 30, 45 ndi 50.

Malinga ndi Global Fiance, mayiko omwe ali ndi mabanki otetezeka:

  • Germany
  • Switzerland
  • Netherlands
  • Norway
  • Luxembourg
  • France
  • Canada
  • Singapore
  • Sweden

Mwa mayiko omwe ali pamwambapa, Switzerland ndi Luxembourg okha ndi omwe angatsegule maakaunti popanda kufunika kopita kudzikoli. Zosungidwa zochepa ndizofunikira. Wosunga banki pambuyo pake adzabwera kudzakuwona.

Padziko lonse lapansi, komabe, ndizosavuta kupeza mabanki omwe ali ndi ngongole zochepa zomwe (ndipo sangathe) kutchova njuga ndi ndalama zanu. Zotsatira zake, amatha kusunga ndalama zambiri pazachhuma chanu. Mukaziyika ndalama zokhazokha, mungakonde kupaka ndalama yanu kuti? Kodi mukusambira ndalama? Kapena wamira ngongole? Mayiko monga Switzerland ndi Luxembourg ali ndi malamulo osunga kwambiri mabanki. Amakhazikitsa “macheke ndi masikelo” onse machitidwe owerengera ndalama kubanki. Mabanki ena ambiri ogulitsa kumayiko ena ndi mayiko ali ndi machitidwe ofanana. Makina amtunduwu amathandizira kuti anthu omwe akuyang'ana kubanki yakunyanja athe kuchita izi mosatekeseka komanso bwino.

Kutetezedwa ndi Bitcoin Wallet

Chitetezo Chachikulu

Kuphatikiza apo, akatswiri ambiri oteteza chuma amatero, mukakhala banki kumayiko ena simukhala wokongola kumakhothi. Ndiye kuti, mukamangirira chuma chanu mumaakaunti akunyanja zimakhala zovuta kuti mdani wanu azilanda. Izi sizingakhale nkhawa kwa aliyense; koma dziwani kuti ndizovuta kuti wina amasule maakaunti anu musakuwoneka ngati akukhala m'mabanki akunja. Pazotetezedwa kwanthawi yayitali, akatswiri amalimbikitsa kukhala ndi akaunti yanu pakampani yolowera kumayiko ena ndipo / kapena kudalirika. Kusunga ndalama muzida izi sikungopereka zinsinsi. Atha kuperekanso chitetezo chokwanira ngati khothi litalamula kuti zibwezeretse ndalamazo.

Mitengo Yabwino Kwambiri Yaposanja ku Offshore

Kukhazikitsa Akaunti ya ku Offshore

Izi sizosadabwitsa. Kukukhala kovuta kuti Achimereka akhazikitse akaunti yakunyanja. Izi ndizothandiza kwambiri. Chifukwa chake, ndikofunikira kufunsa katswiri wodziwa ntchito kuti akupezereni banki yabwino kwambiri. Uwu ndi ntchito yomwe gulu lathu limapereka. Tikudziwa mabanki ati omwe angavomereze makasitomala akunja. Ndife okonda kwambiri komwe mabanki omwe timawona kuti ndi amphamvu komanso otetezeka kwambiri ndipo amapereka ntchito zabwino kwambiri.

pasipoti

Zinthu zina zofunika kuzifufuza:

  • Kupezeka kwa makasitomala aku America. Simabanki onse omwe amavomereza makasitomala aku America, Canada ndi Europe.
  • Kutha kutsegula akaunti kutali. Pali mabanki ena akunja omwe ali ndi mwayi wosankha makasitomala kuti atsegule akaunti pa intaneti kapena pafoni. Mwachilengedwe, mudzayeneranso kupereka zikalata zofunikira zodziwonera za kasitomala wanu. Mabanki ena amafuna kuti mupite ku banki yawo kuti mukatsegule akaunti. Izi zikutanthauza kuti ena mwa mabankiwo ali ndi nthambi zapanyumba. Chifukwa chake, ena amakulolani kukhazikitsa akaunti yakunja kudzera munthambi yakwanuko. Vutoli ndikuti makhothi aku US ali ndi ulamuliro pa nthambi zakomweko. Chifukwa chake ndikofunikira kugwiritsa ntchito bank yomwe ilibe madera aku US.
  • Zochepera. Mabanki ambiri amafunikira ndalama zochepa kuti athe kutsegula akaunti (yomwe imakhala ya kunyumba ndi yapadziko lonse). Chifukwa chake mudzafuna kufunafuna banki yopanda chifukwa chake.
  • Mabanki omwe ali ndi makasitomala am'deralo komanso makasitomala akunja. Mutha kudziwa kuti banki yomwe ikupereka chithandizo kwa anthu amderalo idzayang'aniridwa bwino. Bank yomwe imakhala ndi kasitomala akunja, nthawi zambiri imatchedwa bank ya "Class B". Mabankiwa akhoza kunyalanyazidwa mosavuta ndi owongolera. Mabanki a "Class A" amatha kuvomereza okhazikitsa nyumba komanso akunja.

Kubweza Kwamsonkho

Information Tax

Mabanki ambiri akunja ali ndi malamulo okhwima achinsinsi ndipo saulula chidziwitso cha akaunti. Kuperekera msonkho, komabe, ndi nkhani ina. Mabungwe azachuma padziko lonse lapansi ali ndi udindo wolemba mitundu ina kwa okhala ku US ndi nzika zake. Kuchita izi kumawathandiza kutsatira malamulo amisonkho aku US. Udindo wake umagwiranso kwa amene amasunga akaunti kuti anene bwino. Mukakhazikitsa akaunti yakunyanja mudzafunikanso kukumbukira malamulo oyang'anira msonkho. Ndikofunika kudziwa kuti, panjira, izi zikuyenera kukhala zothandiza pokhapokha osati malangizo a msonkho. Iyenera kusintha. Chifukwa chake, choyamba pezani upangiri kuchokera kwa owerengeka ovomerezeka. Izi zikunenedwa, ndikulimbikitsa kuti aku America asunge izi.

malamulo abanki

Malamulo a US

  • Muyenera kulengeza zapadziko lonse. Izi zimagwiranso ntchito ngakhale mutapereka misonkho yachilendo pamalipiro anu. Kusunga ndalama kumtunda ndi kulipira misonkho kokha pamene mubweretsanso kubwerera ku 1964. Makampani akuluakulu okhala ndi chigawo chokhala ndi zigawo zambiri angathe kuchotsa izi; koma osati bungwe kapena gulu logwirizana kwambiri.
  • Muyenera kulengeza akaunti ya banki yachilendo yoposa $ 10,000 USD. Izi ndizowonjezera pa lipoti lanu la ndalama. Ngati muli ndi akaunti yakunja yopyola madola zikwi khumi, muyenera kulemba fomu ya FBAR.
  • Chuma Chopatsa chidwi. Ngati muli ndi chidwi (ndalama, mapeto, zopindula, zopereka, ndalama, ndi zopereka) mu ndalama zilizonse zakunja kuposa $ 50,000 USD tsiku lomaliza la chaka cha msonkho kapena $ 75,000 USD nthawi iliyonse pachaka, muyenera pezani Fomu 8928.
  • Chilango ndi chidwi chosawerengera misonkho yanu mosayenera. Palibe kuchuluka kwa zoperewera popewa msonkho. Zilango zimatha kuyambira $ 10,000 mpaka mazana masauzande amadola. Kuphwanya msonkho, kupereka malipoti abodza, komanso kulephera kupereka lipoti kumatha kukhala ndi zilango zolimba. Chifukwa chake, onetsetsani kuti mwatsata malamulo onse amisonkho.

chisankho

Kupanga Chisankho Chabwino

Kuwonjezera pa zonsezi, muyenera kukumbukira kuti palibe mabanki omwe ali abwino kwa aliyense. Ngakhale kuti anthu ena amafunika mabanki omwe ali ndi mabungwe ovuta kwambiri, ena akhoza kufunafuna "zothandizira" zothandizira.

Mosiyana ndi malingaliro omwe anthu ambiri amakonda, kubanki yakunyanja sikufuna kuthawa misonkho kapena kubisa chuma chanu. Ndizokhudza kumanga bizinesi yanu ndikuteteza chuma kuchokera ku milandu yoyipa. Ndiye kuti, anthu ambiri amangoyambitsa akaunti yakunyanja kuti ipindule ndi malamulo oyendetsera dziko lapansi.

Bank Safe

Malo Odyera Otetezeka Osati Opitirira Ng'ombe

Nthawi ikamapitilira, kwenikweni, zikuwoneka kuti funso ndiloti "Kodi ndikubwereka ndalama zakunja?" Ndikuwonjezera kuti "Kodi banki yakunja ndiyabwino kwa ine?" Izi sizowopsa. Izi ndi zotsatira zachindunji pamabanki osakhazikika. Ndi dongosolo lochirikizidwa ndi boma lomwe lili ndi ngongole; boma lomwe likuyaka ndalama za anthu.

Pakadali pano, malo achitetezo ali mchisokonezo. Ngati mukuganiza kuti sizili choncho, fanizirani ndi mabungwe ofananawo m'maiko omwe alibe ngongole zambiri. Zachidziwikire kuti kufunsaku kulibe kanthu ngati banki yakunyanja ili yotetezeka. Funso lomwe tikuyenera kufunsa ndi ili. Kodi ndi banki yanji yomwe ili kumtunda yomwe tikuyenera kugwiritsira ntchito pazochita zathu, zamalamulo, zamalonda, ndi zachuma?

Mabanki a ku Offshore chimalola chinsinsi chowonjezeka chachinsinsi Anthu ambiri ndi makampani padziko lonse lapansi amapezerapo mwayi pazotsatira zachinsinsizi. Okhala ku US atha kusangalala ndi mphotho zofananazi monga anthu awa ndi mabizinesi pobwerera kumayiko ena.

Kuteteza ndalama zanu ku chisudzulo, milandu komanso kumenya nkhondo mwalamulo ndi chifukwa chinanso. Mutha kutsegula akaunti yakubanki yakunyanja mdzina la makampani ena ogulitsa kumayiko ena kuti mupereke chinsinsi komanso chitetezo. Maakaunti aku banki omwe amakhala kumayiko ena sakhala olemera okha. Pali kuwuka kosiyana kwa anthu aku America omwe amaika ndalama zawo kumaakaunti azinsinsi. Cholinga cha malembawa ndikupereka kumvetsetsa komanso chidziwitso pamutuwu.

zachinsinsi

Chinsinsi cha Akaunti ya Banki Ya Offshore

Madera ambiri abanki yakunyanja ali ndi malamulo ndi zinsinsi zachinsinsi. Izi zikupezeka kuti zithandizira kuti zidziwitso za omwe adasungitsa ndalama ndi zomwe zimagulitsana ndichinsinsi. Ndiye kuti, ngati mukuwoneka ngati wabwinobwino, diso lanu silingayang'anire nkhani zanu zachuma. Ngakhale kuti chinsinsi ichi ndi nthano chabe, sikungatheke kutsimikizira chinsinsi chonse komanso kusadziwika. Mabungwe onse azachuma padziko lonse lapansi ali ndi udindo wololedwa. Chifukwa chake, afunika kufotokozera ndi kutsatira kufufuzidwa kukaimbidwa mlandu waukulu wolakwa. Izi, mwachidziwikire, zimaphatikizapo uchigawenga, kuwononga ndalama, kapena zipatso za malonda osokoneza bongo.

Komabe, nthawi zambiri pamakhala kuti palibe milandu yomwe ikukakamiza. Chifukwa chake, chidziwitso cha depositor chimasungidwa mwansanje. Izi akaunti ya banki ya kumtunda Maulamuliro adapangidwa kuti apereke chinsinsi kwambiri, komanso amateteza komanso kuwonetsetsa zinsinsi za anthu. Chinsinsi chachikulu ichi ndizofunikira kwambiri makamaka pokhudzana ndi kuteteza katundu ku milandu yam'nyumba. Mwachitsanzo, milandu yapabanja monga chisudzulo kapena zigawo zomwe zawonetsedwa kumenyedwa tsiku lililonse m'makhothi.

Sichosangalatsa cha banki kufalitsa chinsinsi kapena chinsinsi. Chifukwa chake, mwamwambo amachita mosakakamira komanso ndi mayeso ena okhwima omwe bungwe lofunsalo la boma limakumana nawo. Kusintha kwachinsinsi chilichonse kungachititse kuti ena asakhale ndi chinsinsi. Mwakutero, atha kutaya bizinesi yayikulu yambiri.

zachinsinsi

Ngakhale magulu ozama kwambiri komanso otetezeka osadziwika komanso achinsinsi amapezeka mosavuta. Munthu amatha kukulitsa chinsinsi kudzera pamagalimoto okhala ndi katundu monga ma International Business Companies (IBCs) kapena ma Offshore amana. Zida izi zimapereka mapiri achitetezo poyerekeza ndi "kungotsegula akaunti yakubanki."

The cholinga wa aliyense amene akufuna kuti atsegule akaunti imodzi kapena zingapo zakubanki zakunyanja ziyenera kukhala izi. Kuti mugwirizane moyenera pakati pa chitetezo cha katundu, kudziwika, chitetezo, komanso mwayi wofikira ndikofunika kukhala ndikuwongolera. Onetsetsani kuti mwapeza mlangizi kuti apeze yankho loyenera kwa inu.

zambiri

Zambiri Zokhudza Banking Offshore

Ulamuliro wotchuka wamaakaunti akubanki yakunyanja ukhoza kupezeka m'malo osiyanasiyana padziko lapansi. Komabe, ndikofunikira kuti apange kampani yakunyanja kuti ikhale ndi akaunti yakubanki yakunja. Maulamuliro omwe amapereka chinsinsi kwambiri kwa eni kampani yotsatsa malonda sikuti ali pachiwonetsero chofanana ndi omwe amapereka akaunti yakubanki yakunyanja. Wina akhoza kuyendetsa galimoto ya Mercedes. Koma galimotoyo simakhala ndi matayala a Mercedes. Imakhala ndi matayala a Goodyear, Firestone, Continental of Michelin.

Momwemonso, mudzafuna kusankha ulamuliro ndi zida zabwino zamalamulo. Kenako mudzafuna kusankha ulamuliro ndi mabungwe azachuma azabwino omwe amakwaniritsa zosowa zanu.

Mwachitsanzo, mutha kukhala ndi kampani pachilumba cha Nevis komanso banki ku Switzerland. Lamulo la kampani ya Nevis limapereka umwini wazachinsinsi kwambiri. Switzerland imapereka kuphatikiza kolimba kwambiri kwa chitetezo cha banki komanso chinsinsi cha zachuma. Ndikofunikira kukhazikitsa kuphatikiza koyenera kwa zomwe mukufuna.

Mbendera zapadziko lonse lapansi

Lowani Khamu la Anthu

OffshoreCompany.com ndiye ulamuliro wadziko lonse lapansi mu ntchito zakunyanja. Bungweli limakhudzana ndi chinsinsi cha ndalama komanso mapulani oteteza chuma cha omvera padziko lonse lapansi. Kampaniyo idakhalapo kuyambira pa 1906. Tikukulimbikitsani aliyense yemwe akufuna kudzafuna chithandizo kwa woyang'anira wothandizirana naye pamayiko ena. Mutha kuyanjana naye pogwiritsa ntchito nambala yafoni kapena mafomu okufunsira patsamba lino.

Kutsegulira akaunti yakunyanja kumakupatsani mwayi wosankha ndalama. Kampaniyi "yakhalapo" kuyambira 1906.

Robert Kiyosaki, katswiri wodziwika bwino padziko lonse lapansi, wophunzitsa zachuma komanso wolemba mashopu a NY Times anena izi. “Ngati mukufuna kupita kwina, ndibwino kupeza munthu amene wafika kale kumeneko.” Anthu ochita bwino akakhala ndi chuma amalankhula, nthawi zambiri zimakhala bwino kumvetsera.

Monga tafotokozera pamwambapa, pafupifupi, anthu aku America a 2.7 miliyoni ali ndi ndalama zawo kumaakaunti aku nyanja. Ndale za ku US, andalama olemera komanso otchuka omwewo amapezerapo mwayi mabanki akumtsinje mwayi. Chiwerengerochi sichimaphatikizapo nzika za 7.6 miliyoni zaku US zomwe zikukhala ndi kumabanki kunja, malinga ndi dipatimenti ya US State. Komanso, osaphatikizidwa ndi chiwerengerochi, ndi kuchuluka kwa asitikali aku US omwe amakhala padziko lonse lapansi. Zilibe kanthu kuti ndinu nzika yaku US kapena wogwira ntchito kunja. Ngakhale zili choncho, anthu ambiri amatha kupindula movomerezeka ndi akaunti yakunyanja.

Zambiri Zachuma ku USA

The US Wachuma Osachita Zabwino US

Ngozi yomaliza yachuma ku US idachitika ku 2008. Munthawi imeneyi, mabungwe ena akuluakulu mabanki ambiri adapita. Izi zidachitika chifukwa cha zachinyengo zomwe zimachitika kwa anthu ogwira ntchito ku America. Zinatumiza mantha padziko lonse lapansi. Mabiliyoni a madola osungirako ndalama ndi zolembera adatayika. Tsokalo lidasiya anthu ambiri akusweka, kuyambiranso. Ndani anganene kuti sizidzachitikanso?

Izi zisanachitike, msika wogulitsa ku US unagunda ku 2000. Izi zimadziwika kuti "dot com bubble," monga mukukumbukira. Ndipo panali tsiku lotchuka pa October 19, 1987. Timalitcha tsikuli kuti "Lolemba Loipa" ndipo ndiye linali tsiku lalikulu kwambiri zachuma padziko lonse lapansi ku America. Zidapangitsa kuti madola mabiliyoni aku 500 achoke pamisika. Izi zisanachitike, mliri wodziwika kwambiri wachuma anali Great Depression ku 1929. Kuphatikiza pa izi ndi kubwereranso komwekonso komwe kwawononga ndalama za mamiliyoni aku America.

Komanso, US ndiye dziko lomwe lili ndi ngongole zambiri padziko lapansi. Monga chidwi pamakampani akongoletsa ngongole za dziko, zovuta za ngozi zambiri zachuma ku United States zimachitanso. Izi zikuphatikizanso kuwonongeka kwa mabanki ... kuti ndalama zanu zizikhala. Musadalire FDIC kuti akupulumutseni. Federal Deposit Insurance Corporation (FDIC) ndi bungwe la boma la United States lomwe limapereka inshuwaransi ya amana kwa osunga ndalama mumabanki aku US. Vuto lokhalo ndiloti, inde, amathandizira ndi omwe ali ndi ngongole zambiri padziko lapansi.

Zurich

Chitani Zomwe Olemera ndi Ophunzitsidwa Amachita

Ndizodziwika bwino kuti kusiyanitsa mbiri yanu yazachuma ndi njira yoyenera kupitamo. Kuyika ndalama zanu m'matokosi, ndalama zonse, ndalama zolozera ndi kugulitsa katundu ndi zosankha zochepa zomwe zimakhalapo kwa anthu wamba. Koma ngati ndalama zonsezo zili ku USA, zonse zitha kuchotsedwa. Pakachitika kugwa kwina kwachuma ku US ndalama zimatha kuchepa pang'ono pomwe pamtengo wawo woyambira.

Nanga bwanji ngati pakanapezeka njira zina zogulira?

Nanga bwanji ngati pakanapezeka njira zina zofunika kuzigwiritsira ntchito, kuteteza ndikusintha gawo lanu la ndalama? Komanso, bwanji ngati mukadakhala ndi bonasi yowonjezereka yokhala ndi chinsinsi chonse pazomwe mwasungitsa?

Ndi pomwe akaunti yakubanki yakunyanja Lowani.

Kuti muwonetsetse kuti msika wa akaunti yakunyanja ndi yokwera bwanji, ndalama zoposa $ 32 $ trillion zayikidwa mumaakaunti akunja. Otsatsa ndalama a Savvy adazindikira kuti US sakhala ndipo sakhala malo oti "apite" kuti ateteze ndalama zawo. Kwenikweni, mabanki otetezeka, US imakhala bwino pamndandanda wamabanki otetezeka kwambiri padziko lapansi.

Monga tanena pamwambapa, malinga ndi mndandanda wa Global Fund wa "The World's 50 Safeest Banks 2015," aku US apezeka #30, #45 ndi #50 pamndandanda wamabanki otetezeka padziko lonse lapansi! Mabanki ang'onoang'ono olima, AgriBank, CoBank ndi AgFirst ndiamabanki aku US okha omwe adapanga mndandandandawo. Mabanki omwe nzika zambiri zaku US amagwiritsa ntchito pazachuma, Chase, Citi ndi Bank of America palibe paliponse pamndandanda.

Imakupangitsani kuganiza…

Kupanga chiwongola dzanja chochepa pa ndalama zanu kuposa kuchuluka kwa kukwera kwa zinthu kwamtunda kumawononga. Kugwiritsa ntchito ndalama mwadzidzidzi pamsika wamsitima si njira yomwe mungakwaniritsire zolinga zanu zachuma.

American Dream

Kulota Kumwalira Kwa America

Ndi mwayi kuti mukugwira ntchito molimbika tsiku lililonse. Mutha kukhala ndi bizinesi, kulipira ngongole ndikuchita mwanzeru. Ndalama zomwe mwatsala ndikusunga (ndikuyesera kuwerengera ndalama mwamsika wa msika) ndiye dzira lanu la chisa. Uku ndi kupuma kwanu, ndi loto lanu kumoyo wabwino.

Nthawi iliyonse, maloya adyera amatha kumasula maakaunti anu aku banki kuti ndalama zanu zisaoneke. Mavuto omwe adapezeka ndi IRS, chisudzulo, ndalama zolipirira kuchipatala, ndalama zothandizira ana kapena chigamulo chilichonse chotsutsana ndi inu chingapangitse kuti akaunti yanu yaku banki ichotsedwe pansi panu.

Ngakhale kukwatira kapena kusudzulana komwe kungachitike kumabweretsa mavuto azachuma, omwe ambiri samayambiranso. Chifukwa chiyani? Chifukwa zinthu zanu zonse zitha kukhala ku US. Mwakutero, ndizowonekera ndipo zimatha kuweruzidwa ndikulanda, ndikusiyirani m'nyumba yosauka.

Kutha banja kumakhala kopweteka m'maganizo, inde. Koma zimawononganso anthu ndalama. Kutha kwa maukwati kumatha kutenga zaka kuti zithe. Munthu amatha kuwononga mazana kapena madola mamiliyoni. Pambuyo pake, ikhoza kukusiyani ndi kachigawo kakang'ono ka zomwe mwamanga. Kudziŵa ndalama imeneyi kumapereka chifukwa chinanso. Ndi chifukwa chinanso choti mupereke ndalama zanu ku account yakunyanja munyengo zamalamulo zolimba. Pamenepo, mutha kuthana ndi mavuto ake.

Kutsegulira akaunti yakunyanja kumakupatsani ufulu wosungitsa ndalama zanu mwachinsinsi komanso kuti musagwiritsidwe ntchito ndi anthu okhala kunyumba.

banki yakunyanja

Maonero Azachuma Oyenera

Nthawi zambiri atolankhani amatchula zolemba zakunyanja kuti ndi "malo osungira msonkho" kapena "msonkho wa msonkho." M'mbuyomu, IRS sichinayang'ane kwambiri ndalama zomwe zimagulitsa kumayiko ena. Chifukwa panali zabwino zambiri poika ndalama kumtunda. IRS tsopano yapangitsa kuti zikhale zovuta kwa iwo omwe akufuna kupeza ndalama, ndipo IRS ikufuna gawo lake.

Mu 2009, congress idapatsa International Account tax Compliance Act (FATCA). Zanena, monga kale, kuti nzika zaku US zomwe zikukhala kwina zikuyenera kupereka misonkho ndi IRS. Chomwe chinali chatsopano, komabe, chinali chakuti mabungwe azachuma akunja akufunika kuwulula makasitomala awo aku US omwe amapanga nawo banki. Dzikoli lidalandira mbiri yambiri pamenepa ndi Switzerland. Akaunti Ya Banki Yaku Swiss inali, ndipo idakali ndi mbiri yabwino kwambiri. Switzerland ndi dziko lalikulu momwe mungabisalire kapena kusunga ndalama. Amadziwika ndi chitetezo cha banki komanso kuchuluka kwa njira zosakira ndalama. Malamulowa adasinthiratu. Zili choncho chifukwa zimakhala zopusa kuti munthu wina angaimbe mlandu munthu waku US kuti amuchotse msonko. Banki yomwe amagwiritsa ntchito ikakakamizidwa kuti afotokoze, kutuluka msonkho kumakhala kovuta kwambiri. Chifukwa chake, zimapangitsa kutsatira kwa anthu aku US kukhala kosavuta.

banki

zosankha

Pali mayiko ena ambiri, kuphatikiza ku Switzerland, kuti mugwiritse ntchito ndalama zanu.

Chonde dziwani kuti ndikololedwa kuma banki kumaakaunti akunja. Nzika zaku US zikuyenera kufotokozera phindu lawo kumayiko ena ku IRS. Izi ndizosavuta kwa changu chofunikira kuchita munthawi ya msonkho. Komanso zindikirani kuti ma CPAs ndi maimelo omwe amamvetsetsa malamulo amisonkho omwe amakhala kumtunda angathandize. Omwe mumadziwa bwino malamulo atsopanowa ndipo adzakuyendani pamulingo wosavuta wonena.

Kusunga ndalama zanu zonse ku banki yamakono ku US masiku ano ndi njira yachikale, yosatetezeka komanso yunifolomu yoyika ndalama. Kodi ndalama zanu mwazisunga bwanji chifukwa cha chinyengo, chinyengo komanso chokhwima?

Green Cliff Panyanja

Kuyambapo

Kutsegula akaunti yakunyanja sikovuta. Komabe, pali malamulo atsopano ndi ma hoops omwe mungadumphe, komanso kuchuluka kwa mabanki akumtsinje omwe salandira US, Canada kapena Australia Australia. Chifukwa chake, tikulimbikitsidwa kufunafuna kampani yomwe imakumana ndi bank-offshore banki.

Kodi mukufuna kudziwa zambiri? Ngati ndi choncho, tili pano kuti tithandizire. Pali fomu yolumikizana patsamba lino yomwe mutha kumaliza pano. Palinso manambala oti muyimbire kuti mukalankhule ndi katswiri wazodziwa. Khalani omasuka kugwiritsa ntchito mwayiwu komanso kufikira kwa ife kuti atithandizire.


Kufikira chaputala 2>

kuti ayambe

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