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<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Wednesday, September 30, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
<style>.tdi_41{justify-content:flex-end!important;text-align:right!important}</style>
<style>.tdb_module_header{width:100%;padding-bottom:0}.tdb_module_header .td-module-container{display:flex;flex-direction:column;position:relative}.tdb_module_header .td-module-container:before{content:'';position:absolute;bottom:0;left:0;width:100%;height:1px}.tdb_module_header .td-image-wrap{display:block;position:relative;padding-bottom:70%}.tdb_module_header .td-image-container{position:relative;width:100%;flex:0 0 auto}.tdb_module_header .td-module-thumb{margin-bottom:0}.tdb_module_header .td-module-meta-info{width:100%;margin-bottom:0;padding:7px 0 0 0;z-index:1;border:0 solid #eaeaea;min-height:0}.tdb_module_header .entry-title{margin:0;font-size:13px;font-weight:500;line-height:18px}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date,.tdb_module_header .td-module-comments{vertical-align:text-top}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date{top:3px}.tdb_module_header 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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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<div class="overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg">
        <img src="https://www.bankrate.com/brp/2025/07/17112626/Deposits-how-much-cash-should-you-keep-at-home.jpg?auto=webp&amp;optimize=high&amp;crop=16:9" class="featured-img w-full" alt="Foto de efectivo con elemento de diseño" loading="eager" decoding="async" fetchpriority="high" srcset="https://www.bankrate.com/brp/2025/07/17112626/Deposits-how-much-cash-should-you-keep-at-home.jpg?auto=webp&amp;optimize=high&amp;crop=16:9&amp;width=912 912w,
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    </div>
<p>      Imagen de Getty Images; Ilustración de Bankrate
    </p>
</p></div>
<div>
<div id="49aaccc4-7198-49c1-b3fb-93b77558e518" class="key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative" style="--accent: var(--color-blue-medium)">
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<h2 class="heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4" id="key-takeaways" data-position="0" data-beam-element-viewed="" data-id="br-h2-0-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Key takeaways" data-outcome="">
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<ul class="flex flex-col text-gray-700 mb-0 gap-2 list-disc">
<li class="pl-4 relative marker:text-(--accent)">
<p>                                                            Las razones por las que las personas mantienen efectivo en el hogar incluyen preparación para emergencias, problemas de privacidad financiera y desconfianza de los bancos.
                                                </li>
<li class="pl-4 relative marker:text-(--accent)">
<p>                                                            Si correctamente un poco de efectivo en el hogar puede ser una buena idea, es una opción más segura surtir la mayoría de sus fondos líquidos en una cuenta bancaria asegurada por la FDIC.
                                                </li>
<li class="pl-4 relative marker:text-(--accent)">
<p>                                                            Una caja resistente cerrada, impermeable y de fuego de fuego puede ayudar a proteger su efectivo y otros objetos de valía del fuego, la inundación o el robo.
                                                </li>
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<p>La cantidad de pasta que mantiene en casa depende de su situación personal, incluida su requisito de efectivo en la vida cotidiana, así como en una situación de emergencia. Algunos expertos recomiendan tener una cantidad mínima de efectivo acondicionado, ya que una cuenta bancaria asegurada por el gobierno federal sería una opción más segura.</p>
<h2 id="why-people-keep-cash-at-home" data-position="1" data-beam-element-viewed="" data-id="br-h2-1-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Why people keep cash at home" data-outcome="">Por qué la masa mantiene efectivo en casa</h2>
<p>A pesar de la facilidad de depositar pasta en una cuenta bancaria y la fianza de protección de seguros de depósitos federales (FDIC), muchas personas aún mantienen una parte de sus fondos en efectivo físico. Algunas razones para esto incluyen:</p>
<ul>
<li>
<strong>Desconfianza de los bancos:</strong> Para algunos, se negociación menos de surtir efectivo y más de evitar los bancos. Una sondeo fresco de la FDIC encontró que el 36 por ciento de las personas no bancarizadas, aquellas que no tienen cuentas bancarias, no confían en los bancos.</li>
<li>
<strong>Preocupaciones de privacidad:</strong> En un entorno empresarial amenazado regularmente por violaciones de datos y piratas informáticos, los consumidores pueden querer surtir algunas de sus finanzas más privadas.</li>
<li>
<strong>Preparación de emergencias:</strong> Hay situaciones en las que es posible que no sea posible aceptar a una cuenta bancaria. Un huracán podría dañar la red eléctrica, o simplemente podría perder su billetera y tarjetas de débito y escasear poco de efectivo para comprar medios esenciales.</li>
<li>
<strong>No se puede inaugurar una cuenta bancaria:</strong> Si a una persona se le ha inepto una cuenta bancaria, puede optar por surtir más efectivo en el hogar.</li>
<li>
<strong>Ejecutar un pequeño negocio basado en efectivo:</strong> Algunos propietarios de pequeñas empresas pueden requerir tener más efectivo.</li>
<li>
<strong>Poner en efectivo:</strong> Retener efectivo en los sobres (igualmente llamados presupuestos sobre el sobre) ganó popularidad como una forma de fertilizar los gastos mensuales sobre las tarjetas de débito o de crédito.</li>
</ul>
<h2 id="keep-enough-cash-for-emergency-expenses" data-position="2" data-beam-element-viewed="" data-id="br-h2-2-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Keep enough cash for emergency expenses" data-outcome="">Mantenga suficiente efectivo para los gastos de emergencia</h2>
<p>Elliot Pepper, CPA, CFP, MST, planificador financiero y cofundador de Northbrook Financial, con sede en Maryland, dice que &#8220;una pequeña pero legítimo cantidad de efectivo debe mantenerse a mano en todo momento&#8221;.</p>
<p>&#8220;La requisito de efectivo actual está cada vez menos relevante, por lo que un economía actual de efectivo físico está principalmente para proporcionar protección en un círculo extremadamente aciago&#8221;, dice Pepper, y agrega que el círculo probablemente no sería una &#8220;posición a derrochador plazo&#8221;.</p>
<p>&#8220;Una cantidad en efectivo suficiente para cubrir las evacuación absolutas de desnudos durante dos meses podría ser una colchoneta legítimo&#8221;, dice Pepper. &#8220;Esta cantidad mensual sería beocio que las cantidades mensuales utilizadas para calcular un fondo de emergencia tradicional, ya que en realidad está allí para cubrir las evacuación desnudas frente a una emergencia&#8221;.</p>
<p>Esas evacuación básicas incluyen un suscripción leve de vivienda, alimentos básicos, baterías, agua, gasolina y evacuación básicas de vida. La sondeo más fresco de gastos del consumidor realizado por la Oficina de Estadísticas Laborales informa que el costo mensual promedio de alimentos y gasolina es un poco menos de $ 1,000 para los consumidores estadounidenses. Eso podría servir como una partidura de colchoneta para cuánto surtir en efectivo, lo que variará según el tamaño de su hogar, los costos de vida en su ámbito y si desea incluir otros gastos en efectivo.</p>
<p>Sin incautación, Pepper dice que podría ser aconsejable surtir esas alimentos básicos a mano en oportunidad de surtir efectivo para comprarlos. Entonces, por ejemplo, en oportunidad de surtir pasta en casa para comestibles, puede comprar comida adicional enlatada y no perecedera con una larga vida útil.</p>
<h3>Razones para impedir el efectivo que se mantiene en casa</h3>
<p>Algunos expertos recomiendan no más de $ 1,000 en efectivo en el hogar porque se pueden perder, robar o dañar grandes cantidades de efectivo. Encima, el efectivo en su hogar no tiene las mismas protecciones que los fondos en una cuenta bancaria.</p>
<p>El seguro de los propietarios o inquilinos generalmente solo cubre en torno a de $ 200. Por otro costado, el pasta mantenido en un sotabanco está asegurado hasta $ 250,000 por categoría de propiedad, por sotabanco asegurado y por titular de cuentas por parte de la Corporación Federal de Seguros de Depósitos (FDIC) o la Dependencia Doméstico de la Cooperativa de Crédito (NCUA).</p>
<p>Otro inconveniente es que el efectivo mantenido en el hogar no apetito intereses, por lo que se perderá el crecimiento potencial. Encima, tener grandes cantidades de efectivo en el hogar puede hacer que sea tentador participar en el consumición de impulso. </p>
<h3>Dónde surtir en efectivo de forma segura en casa</h3>
<p>Al igual que cualquier otro trozo de papel, el efectivo puede perderse, mojarse o quemarse. Considere comprar un inicio de fuego y una caja resistente impermeable para su hogar. Igualmente es útil para juntar otros objetos de valía en su hogar, como joyas y documentos personales importantes.</p>
<h2 id="the-risks-of-keeping-cash-at-home" data-position="3" data-beam-element-viewed="" data-id="br-h2-3-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="The risks of keeping cash at home" data-outcome="">Los riesgos de surtir efectivo en casa</h2>
<p>¿Planea esconder efectivo en su hogar? Considere los inconvenientes:</p>
<ul>
<li>
<strong>No tienes seguro FDIC:</strong> Cuando deposite pasta en un sotabanco asegurado por la FDIC, puede consolarse al retener que sus depósitos serán protegidos y reembolsados hasta $ 250,000 si el sotabanco defecto. El sotabanco asegurado por la FDIC está asegurado hasta $ 250,000 por categoría de propiedad, por sotabanco asegurado y por titular de la cuenta. Para las cooperativas de crédito aseguradas por la NCUA, el seguro es proporcionado por el NCUA. Sin incautación, si cualquiera roba su efectivo, o si lo pierde, se ha ido.</li>
<li>
<strong>Es más hacedero para el pasta perderse, robar o destruir: </strong>A diferencia del pasta que deposita en un sotabanco, su efectivo en el hogar puede ser robado, fuera de oportunidad o destruido en un incendio o desastre natural. </li>
<li>
<strong>Algunos lugares no lo aceptarán:</strong> Durante la pandemia Covid-19, muchos comerciantes se trasladaron a transacciones sin efectivo y sin contacto, y algunos continúan no aceptando efectivo hasta el día de hoy.</li>
<li>
<strong>Sin potencial de ingresos:</strong> Uno de los principales beneficios de surtir efectivo en una cuenta bancaria es que puede crecer, gracias a los intereses ganados en los saldos bancarios. Si mantienes tu pasta en casa, nunca crece. Sus $ 20 todavía cuestan $ 20 al año a posteriori, y esos mismos $ 20 en existencia se vuelven menos valiosos oportuno a la inflación. Cuanto más pasta tenga en efectivo, más se perderá por intereses acumulados.</li>
<li>
<strong>Es más difícil rastrear tu pasta:</strong> Colocar pasta en una cuenta bancaria le permite realizar un seguimiento de cuánto pasta está entre y salía de su cuenta. Si mantiene todo su pasta en casa, es más difícil hacer un seguimiento. </li>
</ul>
<h2 id="alternatives-to-keeping-cash-at-home" data-position="4" data-beam-element-viewed="" data-id="br-h2-4-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Alternatives to keeping cash at home" data-outcome="">Alternativas para surtir efectivo en casa</h2>
<p>Pepper dice que el argumento para surtir mucho pasta en efectivo es menos convincente ya que la tecnología de suscripción digital continúa facilitando el trato con el pasta.</p>
<p>&#8220;Desde la perspectiva de seguridad y el punto de paisaje oficial de la facilidad, es muy hacedero realizar transacciones de compras diarias electrónicamente. Encima, surtir los ahorros en una cuenta asegurada por la FDIC proporciona un jerarquía de protección que se pierde cuando el efectivo se mantiene bajo el colchón&#8221;, dice Pepper.</p>
<p>En oportunidad de juntar efectivo en casa, tiene algunas opciones:</p>
<ul>
<li>
<strong>Anconada otra cuenta corriente:</strong> Si ya tiene una cuenta corriente, considere inaugurar otra cuenta en un sotabanco seguro de la FDIC o una cooperativa de crédito asegurada por NCUA para diversificar dónde mantiene su pasta. Digamos, por ejemplo, que su sotabanco principal se ve afectado por un corte de energía y que sus cajeros automáticos están fuera de partidura. Su otra institución financiera puede no hallarse afectada. Desea compulsar que su nueva cuenta no tenga un requisito de saldo leve para evitar tarifas si solo mantiene una pequeña cantidad de efectivo.</li>
<li>
<strong>Encuentre una cuenta de ahorros de stop rendimiento:</strong> La principal preeminencia de una cuenta de economía de stop rendimiento (una que apetito más intereses que el promedio) es que puede ayudar a que su pasta crezca a una tasa más suscripción y mejor al ritmo de la inflación.</li>
<li>
<strong>Cargar fondos en una plástico prepago:</strong> En oportunidad de surtir efectivo en facturas físicas, puede cargar una pequeña cantidad en una plástico de débito prepago para cerciorarse de tener efectivo acondicionado en una emergencia. La ley federal proporciona una posible protección para esos fondos si ha registrado su plástico prepago y cualquiera roba el número, dependiendo de la plástico. Sin incautación, debe informar el problema de inmediato. Encima, algunas tarjetas prepagas pueden cobrarle una tarifa para reemplazar una plástico perdida o robada u otras tarifas.</li>
<li>
<strong>Considere una cuenta bancaria de segunda oportunidad:</strong> Si su razonamiento para tener efectivo en casa es porque se le ha inepto una cuenta bancaria, considere inaugurar una cuenta de segunda oportunidad. Una cuenta corriente de segunda oportunidad está diseñada para aquellos cuyo historial bancario puede evitar que abran una cuenta en serie.</li>
</ul>
<h2 data-position="5" data-beam-element-viewed="" data-id="br-h2-5-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Bottom line" data-outcome="">Final</h2>
<p>Si surtir efectivo en el hogar es una referéndum personal basada en varios factores. Si está considerando surtir más efectivo en la casa, querrá examinar sus razones para querer hacerlo, así como sus gastos actuales para determinar cuánto tener a mano.</p>
<p>Comprender los beneficios, los riesgos y las alternativas para surtir efectivo en el hogar igualmente puede ayudarlo a cerciorarse de que está tomando la mejor valor para sus circunstancias, y que si elige surtir efectivo en casa, lo está haciendo lo más seguro posible.</p>
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<!-- sc5a72ec-3dd082 -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
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