Ama-Akhawunti Akhethekile Okulondolozwa Kwezakhiwo Zokulwa
Uhlelo lokulondolozwa lwaqala ukusetshenziswa ngesikhathi sokulwa kweVietnam, kwavulwa kabusha amabutho aseDesert Storm ngonyaka ka-1991, futhi yandisa amabutho eBosnia ngo-1996.
Kusukela lapho inikeze indlela yabasebenzi abasebenza ngokusebenzayo ukugcina imali. Ungakudibanisi lokhu nge-Thrift Savings Plan (TSP), etholakala kuwo wonke umuntu enkonzweni yasenkonzweni futhi ayisekelwe kuma-deployments ezempi.
Isitoreji Sokulondoloza I-Deposit Program
Inzalo ithola imali ku-akhawunti ngesilinganiso saminyaka yonke samaphesenti angu-10, i-Executive Order ngayinye engu-11298. Uthola lelizinga ngenkathi usezindaweni zokulwa futhi kuze kube yizinsuku ezingu-90 ngemuva kokushiya indawo yokulwa. Inzalo iyakhiwa ngekota ngayinye (ngokusekelwe ngonyaka wekhalenda). Isilinganiso senzalo sinikeza kakhulu kunesithakazelo kuma-akhawunti wokulondoloza kwendabuko futhi siphakamisa izinhlobo eziningi zezitshalomali.
I-nitty-gritty ukuthi uqala ukuthola inzalo ngemali egcinwe ngaphambi noma okweshumi lwenyanga. Uma wenza idiphozi ngemuva kokuyishumi kwenyanga, ayiqali ukufaka inzalo kuze kube ngenyanga ezayo. Uma wenza ukuhoxiswa ngemuva kokuthunyelwa, inzalo iyeka ngosuku lokufaka isicelo.
Uma lolo suku lungewona usuku lokugcina lwenyanga, isithakazelo sitholakala kuphela ngosuku lokugcina lwenyanga eledlule.
Inzalo eyenele kwi-Savings Deposit Program iyakhokhiswa, nakuba inzuzo yakho yenhlangano eyitholakalayo ngenkathi usendaweni yokusebenza engozini ingenayo intela.
Ukufaneleka kwesimiso sokulondoloza i-Deposit Program
Ukuze ubhalise, kufanele uthole u-Hostile Fire / Imingent Danger Pay (HFP / IDP) futhi ukhonza endaweni elwa ngokuzikhethela noma ngokusekela ngokuqondile endaweni yokulwa ngezinsuku ezingaba ngu-30 ezilandelanayo noma okungenani usuku olulodwa ngalunye kokulandelana kwezintathu izinyanga.
Ukufaneleka kwe-SDP kuyama ngosuku lokuhamba endaweni yokulwa, futhi akukho okunye okumele kwenziwe, kepha inzalo iyaqhubeka nokuqhubeka ngezinsuku ezingu-90 ezizayo.
Ukwenza iDistimali kuhlelo lokugcina i-Deposit Savings
Amasevisi asevisi asebenzisa lolu hlelo ngokwenza idiphozi ngokuxhumana nanoma yiliphi ihhovisi lemali yezempi emidlalo yaseshashalazini. Ungaqala ukwenza idiphozi emva kwezinsuku ezingu-30 ezilandelanayo endaweni ekhethiwe. Ngeke usakwazi ukwenza isikhathi eside emva kokuphuma kwakho emidlalo yaseshashalazini. Ungenza idiphozi ngemali, isheke lomuntu siqu, isheke lomhambi, i-oda lemali noma isabelo uma usebenza ngokusemthethweni , kepha uma ungumuntu ongasakwazi ukufaka imali yakho ngesheke noma isheke.
Ungenza ama-deposits ngama-dollar amahlanu. Inani olifaka lona likhawulelwe kwinkokhelo yakho yenyanga yonke. Lokhu kungafaka imali ekhethekile kanye namabhonasi. Ungenza okungaphezulu kweyodwa idiphozi ngenyanga uma nje ungadluleli inkokhelo yakho yenyanga yonke. Ungakwazi ukufaka imali engu-$ 10,000 kuphela ngokuthunyelwa. Ungakwazi ukuyeka ukwenza ama-deposit nganoma yisiphi isikhathi.
Ukwenza ukuhoxiswa
Uzothola ngokuzenzakalelayo ukudluliselwa kwazo zonke izimali nge-deposit ngqo izinsuku ezingu-120 ngemuva kokushiya indawo yokulwa njengoba i-akhawunti izovalwa. Kuyinto evamile ukulinda lokhu kudluliselwa, kodwa ukuhoxiswa okusheshayo kungenzeka uma uhlangabezana neziqondiso ezithile kanye nezidingo.
Ngemva kokubuya ekuthunyelweni kodwa ngaphambi kokuphela kwesikhathi sezinsuku ezingu-120, ungahambisa isicelo esenziwe ngokuzenzakalelayo nge-akhawunti yakho ye-myPay. Uma usubeke imali engu-$ 10,000, ungase uhoxise izimali ezingaphezu kwe- $ 10,000 ngekota (ngokuvamile, lokhu kungaba nje isithakazelo ku-akhawunti). Isikhulu sakho sokuphatha singavuma ukuhoxiswa okuphuthumayo kwezempilo nenhlalakahle yomndeni wakho.