Wo Nipasu a Wobɛsan Akyekye Wɔ Ofie Ogya anaa Nsuyiri akyi: ID ahorow a Asɛe a Wobɛsesa Na Sikakorabea no Agye Sika a Ahyew¶

Sɛ wosan nantew kɔ ofie a wɔahyew anaa dan ase a nsu ayiri mu ma mu a, ɛde ɔhaw abien a ɛba bere koro mu ba: wo honam fam dabere no nni hɔ bio, na wɔatew krataa biara a ɛkyerɛ onipa ko a woyɛ, nea wowɔ, ne sika a wɔatoto wo sikakorabea mu no so abɛyɛ nsõ, fango a ɛyɛ mmerɛw, anaa krataa a wɔayam. Ansa na wobɛka sikakorabea a wɔahyew anaasɛ wobɛtow drawer a nsu ayɛ fĩ agu no, hwɛ sɛ odumgyafo panyin anaa ɔdan sohwɛfo no afa yɛn nɔma ahorow a egye ntɛmpɛ directory a wɔde kyerɛw nsɛm. Afei nso hwehwɛ yɛn akwankyerɛfo no mu wɔ sika a wɔde asie ansa na asiane asi ntɛm ne sikasɛm mu go-binder a wɔbɛboaboa ano, . nea wɔde bɛba bere a wɔretu afi hɔ no, na ahum ne ahum a wɔtew so na wɔsan nya ahoɔden.

Sɛnea United States Dwumadibea a Ɛhwɛ Nneɛma a Wɔakyerɛw ne Nwoma So (BEP) Sika a Wɔatwitwa mu Nkyɛmu, Federal Emergency Management Agency (FEMA), Asetra mu Ahobammɔ Dwumadibea (SSA), England Sikakorabea, ne Europa Sikakorabea Kɛse (ECB), nnipa mpempem pii a wonyaa wɔn ti didii mu wɔ atoyerɛnkyɛm mu no tow krataa sika a wɔahyew, ɛyɛ mmerɛw, anaasɛ wɔde nsu ayɛ dɔla mpempem pii gu wɔ akwanhyia mu afe biara efisɛ wosusuw sɛ sika a wɔahyew anaasɛ wɔafrafra no so nni mfaso. Nokwarem no, ɔman no sikakorabea akɛse de asɛnnibea nhwehwɛmufo a wogye sika nkrataa a wɔahyew kɛse, aporɔw, anaa mmoa a wɔwe no wɔn bo a ɛyɛ nokware no ɔha biara mu nkyem 100 kwa, sɛ sika biara a wobetumi ahu no bɛboro ɔha biara mu nkyem 50 da so ara yɛ nea enni dɛm, anaasɛ ɔha biara mu nkyem 50 anaa nea ennu saa da so ara ka honam fam ne nkrataa mu adanse a emu da hɔ ho a (such as a fire department incident report) sɛ wɔsɛee afã horow a na ayera no koraa. Bere koro no ara mu no, mmɔden a wɔbɔ sɛ wɔde aban nkrataa a ayera besi ananmu nnidiso nnidiso a ɛnteɛ no de adwumayɛfo afiri a ɛma Kar Dwumadibea (DMV) hwehwɛ sɛ wɔde Social Security krataa ma, Social Security adwumayɛbea no hwehwɛ sɛ wɔde mfonini ID ma, na aban awo ne aware ho kyerɛwtohɔ adwumayɛbea no hwehwɛ sɛ wɔde krataa a ɛkyerɛ sɛ obi yɛ onipa ko a wɔakyerɛw so. Sɛ wodi forensic currency-preservation protocol a ɛyɛ katee ne Four-Step Identity Dependency Chain akyi a, ɛsan de wo sika ne wo mmara kwan so nipasu nyinaa ba a wuntua aguadi mu ntamgyinafo ho ka.

Yɛ eyi mprempren¶

1. MMBUe sikakorabea a ogya asɛe no bere a ɛyɛ hyew, na MMFA sika a wɔahyew a wɔahyew no ntetew, nyi, anaa mfa brush ntetew mu DA. Sikakorabea a ɛda a 650 to 980 degrees Celsius (1,200 to 1,800 degrees Fahrenheit) structural ogya afiri a ɛyɛ hyew dodo ne pyrolysis mframa. Sɛ wobue ɔpon no bere a ɛhɔ yɛ hyew a, ebetumi ama mframa pa akɔ mu na ama krataa a ɛyɛ hyew kɛse a ɛwɔ mu no ahyerɛn, bere a sɛ woka sika a ɛyɛ mmerɛw a carbonized wom a, ɛdan mfutuma a wontumi nnye. Ma safe no nnwo mma 24 hours, afei ma stack a wɔahyew no nyinaa so a ɛnyɛ hwee so kɔ mpa a wɔde cotton batting ayɛ so wɔ adaka a ɛyɛ den mu.
2. Nya wo Ogya Dwumadibea Asɛm a Ɛfa Ho Amanneɛbɔ a ɛyɛ aban de no mfonini ahorow 5 a wɔagye atom (a PDF scan ka ho) (NFIRS Report) anaa FEMA / Municipal Flood Inspection Report. Ansa na wobɛnya mfonini ID no, wo mpɔtam hɔ odumgyafoɔ panin anaa municipal kyerɛwfoɔ bɛtumi de asɛm a esiiɛ ho amanneɛbɔ a ɛkyerɛ da, address, ne wo tenabea a wohwereeɛ no ama. Saa krataa baako yi ne wo "Master Key" a ɛbue ntɛmpɛ sika a wɔayi afiri hɔ, nkrataa a wɔde mena, Sikakorabea mutilated-currency claims, ne ahokyere ho adansedie a wɔayi afiri mu wɔ DMV ne Social Security adwumayɛbea.
3. Fa USPS Mail Hold (up to 30 days) anaasɛ Address a Wɔsakra no Bere Tiaa Mu Ma obusuani bi a wogye no di anaa P.O. Box ntɛm ara. Wo aban ID a wode besi ananmu, sikakorabea nkrataa, anaa aban awo ne aware ho kyerɛwtohɔ biara nni hɔ a ebetumi adu wo nkyɛn sɛ posɔfesefo no hyɛ wo nkrataa adaka a wɔahyew anaa nsu ayiri no agyirae sɛ "Vacant / Structure Condemned" na ɔde aban nkrataa a wɔde kyerɛw nneɛma no san ba a.
4. Di Identity Replacement Dependency Chain no nnidiso nnidiso pɛpɛɛpɛ: (1) Driver’s License Biometric Re-Issuance First (sɛ wo man no de wo DMV mfonini sie wɔ fael so a), ANAA (2) Certified Birth Certificate -> (3) Social Security Replacement Card -> (4) REAL ID Driver’s License -> (5) U.S. Passport. Bere nyinaa bisa wo man DMV sɛ a ɔhwɛfo betumi atwe wo dijitaal karka tumi krataa mfonini ne nsaano nkyerɛwee a ɛwɔ hɔ dedaw no akɔ soro wɔ wɔn terminal so denam wo ogya amanneɛbɔ no so; sɛ wosan tintim wo tumi krataa a ɛyɛ abien no wɔ hɔ ara a, ɛtwa adapɛn pii wɔ anammɔn foforo biara mu.
5. Freeze wo credit bureaus (Equifax, Experian, TransUnion) na twe boseabɔ ho amanneɛbɔ a wontua hwee wɔ AnnualCreditReport.com sɛ wobɛsan anya akontaabu nɔma, wɔn a wɔhwɛ dan ka din, ne wɔn a wɔde kar fɛm. Wo boseabɔ ho amanneɛbɔ ma wunya sikakorabea, adwumakuw a wɔde bosea ma, ne adwumakuw a wɔde sika kaad ma biara a ɛsɛ sɛ wofrɛ no ntɛm ara na woanya atoyerɛnkyɛm ho boasetɔ ne insurance escrow ho nsɛm.
6. Ntua kokoam "expediter" wɛbsaet ahorow da mfa nkra Social Security card, Passport, anaa Property Deed. Official Social Security replacement cards ($0), FEMA dinkyerɛw ($0), ne U.S. Sikakorabea a wɔatwitwa sika a wɔde gye sika ($0) yɛ nea wontua hwee, na mantam asase ho nkrataa nkutoo na wɔbɔ $1 to $15 efi Ɔmantam Kyerɛwtohɔfo hɔ.

Gyinaesi dua: Atoyerɛnkyɛm akyi nipasu a wɔsan nya ne sika a wɔatwitwa mu a wɔpaw¶

Di saa adwumayɛ nhyehyɛe yi akyi na kora sika a asɛe so na bubu "no ID to get an ID" bureaucratic deadlock no.

flowchart TD
    Disaster["Ofie Ogya, Nsuyiri, anaa Ahum Sɛe Safe, Wallet, ne Filing Cabinets"] --> CashCheck{"So Wosan Nya Sika/Nsika a Wɔahyew, Wɔabɔ, Anaasɛ Nsuyiri Ayɛ no?"}

    CashCheck -->|"YIW: Krataa Sika a Wɔahyew, Wɔabɔ, anaa Wɔafrafra"| BEPBox["PAPER CURRENCY PROTOCOL (US BEP / Central Bank): 1. MMFA NKYERƐKYERƐMU, nkɔtow, anaa brush nkyerɛwde a wɔahyew no 2. Gyae nsɛm a wɔakyerɛw no wɔ wɔn mfitiase stack no mu (wɔ tray a ahobammɔ wom mpo mu) 3. Fa gu adaka a ɛyɛ den a wɔde cotton batting ahyɛ mu (NEVER pack peanuts) 4. Fa Fire Dept Report + Form BEP-5283 hyɛ mu na fa Registered Mail so fa po so hyɛn mu"]
    CashCheck -->|"YIW: Sika a Wɔabɔ anaa Ogya a Wɔde Ayɛ Tutum"| MintBox["COIN PROTOCOL (Local Bank vs US Mint): 1. Sɛ sika no ayɛ soot-stained nanso enni dɛm na mfiri tumi kan -> Fa to local bank a 100% face value 2. Sɛ sika no nwene mu ayɛ fused slag -> Fa kura mu yie wɔ labeled container mu"]
    CashCheck -->|"DABI: Fa w’adwene si Identity & Property Records so"| MasterKey["ANAMMƆN 1 (THE MASTER KEY): Nya Ogya Dwumadibea no Asɛm a Ɛsisii Amanneɛbɔ (NFIRS) anaa FEMA Atoyerɛnkyɛm Mpaemuka no Mfonini 5 a Wɔagye Din + Siesie USPS Mail Hold/Forwarding"]

    BEPBox --> MasterKey
    MintBox --> MasterKey

    MasterKey --> DMVBiometric{"So Wo Man DMV Sie Digital License Mfonini & Biometrics wɔ Fael so?"}

    DMVBiometric -->|"YIW (U.S. Aman dodow no ara, UK DVLA, Canada Amansin) ."| FastTrackID["FAST-TRACK PHOTO ID: Kɔ DMV Supervisor nkyɛn ankasa de Fire Report + Utility Bill + Memorized SSN/DL Number -> Supervisor hwɛ w’anim sɛ ɛyɛ nokware wɔ DMV mfonini a wɔde asie ho na ɔde Duplicate Driver’s License ma"]
    DMVBiometric -->|"DABI (Anaasɛ Nea Ɛwɔ Ɔman no Mu) ."| FullChain["FULL DEPENDENCY CHAIN: 1. Fa Ɔman Ɔmanfoɔ Awoɔ ne Awareɛ Kyerɛwtohɔ a Wɔagye atom (Vouching Relative anaa Hardship Packet) 2. Fa Awoɔ Adansedie Krataa + Ogya Amanneɛbɔ + Aduruyɛ ho Kyerɛwtohɔ a Wɔagye Din Kɔ SSA ma Social Security Card 3. Nya Driver’s License -> 4. Sesa Passport (Form DS-64 + DS-11)"]

    FastTrackID --> AssetRecovery["ANAMMƆN 2 (AGYADE & SIKASƐM NSƐM NSƐM): 1. Mantam Kyerɛwtohɔ: Twe Agyapadeɛ Krataa a Wɔagye Din ($1 kɔsi $15) 2. Ɔman DMV: Bisa Kar Asɛmti a Wɔayɛ no Nsɛsoɔ 3. IRS Form 4506-T: Free Tax & W-2 Transcripts 4. Insurance Policy: Frɛ Mortgage Escrow Desk anaa State Dept of Insurance ho nhyehyɛe"]
    FullChain --> AssetRecovery

--- .

Ɔfa 1: Sika a Wɔahyew, Wɔahyew, anaa Nsuyiri Aporɔw a Wobegye wɔ 100% Face Value¶

1. Mmara Gyinapɛn a Wɔde Gye Krataa a Wɔatwitwa Mu Sika (31 CFR Part 100) .¶

Wɔ United States aban mmara (31 Mmara a Ɛfa Ɔman Mmara Ho Ɔfã 100, Ɔfã ketewa B) a Bureau of Engraving and Printing (BEP) Dwumadibea a Ɛhwɛ Sikasɛm Ho Nsɛm So ( .Mutilated Currency Division), wɔkyekyɛ krataa sika a asɛe mu abien:

1. Sika a Ɛnfata (Sesa wɔ Mpɔtam Hɔ Aguadi Sikakorabea Biara Ntɛm ara):
2. Sɛ wo sika a wotua no yɛ wusiw a ɛyɛ fĩ, nsu a ɛyɛ tuntum, nsuyiri nsu a wɔde ahyɛ mu, atɛkyɛ ayɛ mu, anaasɛ wɔatetew mu abien ara kwa a, ƐNSƐ sɛ wode mena Washington, D.C.
3. Wɔde ama ɛda adi pefee sɛ ɛboro nkyem anum mu abiɛsa (60%) a ɛwɔ sikakorabea biara nipadua a enni dɛm no mu no wɔ hɔ wɔ afã biako mu na krataa no nyɛɛ brittle carbon ash, mpɔtam hɔ aguadi sikakorabea anaa boseabɔ kuw biara betumi agye sika no, de wo akontaabu ahyɛ wo akontaabu mu wɔ ɔha biara mu nkyem 100 anim bo, na wɔde sika a ɛho agu fĩ no akɔma wɔn mpɔtam hɔ Federal Reserve Bank ma wɔasɛe no.
4. Nokware Sika a Wɔatwitwa Mu (Fa Kɔma BEP Sika a Wɔatwa no Nkyekyɛmu):
5. Sika bɛyɛ "mutilated" bere a ogya, nsu, nsunsu, nnuru, mpɔtorɔ, anaa adekorabea a wɔasie asɛe nkyerɛwde no kɛse araa ma wɔn bo yɛ nea asɛm wɔ ho anaasɛ ɛyɛ a ɛyɛ mmerɛw dodo sɛ wobedi ho dwuma a ɛntetew.
6. Mmara A (Ɛboro 50% Mprempren): Sɛ asɛnnibea nhwehwɛmufo hu sɛ ɛda adi pefee sɛ ɛboro ɔha biara mu nkyem 50 (> 50%) a ɛyɛ nokware krataa bi wɔ hɔ, ne ahobammɔ ho nneɛma nkae a ɛdɔɔso, Sikakorabea no de U.S. Sikakorabea check anaasɛ sika a wɔde sie tẽẽ ma (ACH) ma ɔha mu nkyekyɛmu 100 wɔ krataa no boɔ a ɛwɔ anim, a ɛho nhia sɛ adanseɛ biara a ɛkyerɛ sɛ asɛm bi asi.
7. Mmara B ( .50% anaa Less Present): Sɛ mpo ɔha biara mu nkyem 50 anaa nea ennu saa (<= 50%) a ɛwɔ nkyerɛwde biara mu no da so ara (esiane sɛ akyi anoano no hyewee kɔe yɛɛ nsõ nti), BEP Ɔkwankyerɛfo no da so ara gye nkyerɛwde no wɔ ɔha biara mu nkyem 100 bo sɛ ɔkwan a wɔfa so twa ne wo adanse a ɛfoa so (your Fire Department Incident Report, photos of the burned safe, and a signed statement explaining how the cash was stored) kyerɛ sɛ afã horow a ayera no sɛee koraa na obi foforo ntumi mfa mma.

2. Forensic Packing Mmara a ɛfa Sikakorabea a Wɔahyew, Wɔafrafra, anaa Wɔayɛ Nsu ho¶

Sɛnea wode sika a wɔahyew anaa nsu ayɛ mu ma wɔ simma 30 a edi kan no mu bere a woabue wo sikakorabea no akyi no na ɛkyerɛ sɛ ebia BEP nhwehwɛmufo betumi anya ahoɔden anaa 100% wo sika anaa 0%: 1 .

• Nsɛm a Ɛto so 1: Nsɛm a Wɔahyew, Ayɛ mmerɛw, anaa Wɔayɛ Carbonized (Efi Ogya Ahobammɔ Mu):
• Mmɔ mmɔden DA sɛ wobɛtetew, wobɛbue, wobɛbue, anaa wobɛkan brittle bills, na da laminate, tape, anaa glue asinasin a wɔahyew no bom da.
• MMFA Styrofoam packing peanuts anaa atesɛm krataa a wɔabubu no nhyɛ da (peanuts sesa na ɛbubu brittle carbon ash bere a ɛrekɔ so no).
• DO: Fa mpa a ɛyɛ den a wɔde aduruyɛ roll cotton / cotton batting (anaasɛ anim ntini a ɛyɛ mmerɛw) hyehyɛ plastic anaa cardboard adaka a ɛyɛ den. Fa krataa a ɛyɛ tratraa bi hyɛ sika a wɔaboaboa ano a wɔahyew no nyinaa ase brɛoo (anaasɛ gyaw gu dade ahobammɔ tray/sika adaka no mu), fa gu kotoku mpa no so, fa kotoku foforo kata so sɛnea ɛbɛyɛ a nea wɔaboaboa ano no rentumi nsakra, na fa teyp kyekyere ano yiye.
• Nsɛm a Ɛto so 2: Nsuyiri a Nsuyiri, Efĩ a Ɛfĩ, Anaa Nsuo a Ɛwɔ Nsuo Mu Nsɛm:
• Sɛ sika a wɔde tua ho ka no mu yɛ den a wubetumi de wo nsa aka a ɛntetew mu a, fa nsu pa hohoro atɛkyɛ ho brɛoo, fa sika mmiako mmiako to krataa mpopaho so ma ɛyow wɔ dan mu a ɛnyɛ fan ahorow, na sesa wɔ sikakorabea a ɛwɔ wo mpɔtam hɔ.
• Sɛ wɔde sika a wɔde tua ho frafraa mu yɛɛ no ​​birikisi a ɛyɛ nsu na ɛreporɔw wɔ sikakorabea a nsu ayiri afa mu a, ntutu nsu a ɛyɛ nsu no mfi mu. Popa nsu a ɛboro so a ɛwɔ soro no, ma birikisi no nwow wɔ dan a mframa wom mu sɛnea ɛbɛyɛ a nsunsu gyae nyin, na fa birikisi a ɛyɛ tratraa no hyehyɛ krataa ne kotoku ntam.
• Nsɛm 3: Wɔabobɔw anaa rɔba-Band Stacks:
• Mmɔ mmɔden da sɛ wubebue sika a wɔde ayɛ cylinder a ayɛ hyew anaasɛ wobɛtetew rɔba a ayɛ hyew. Fa cylinder a enni dɛm no gu cotton batting mu wɔ tube anaa adaka a ɛyɛ den mu; BEP nnuruyɛfo de humidification chambers ne micro-scalpels di dwuma de gye wɔn ahome na wɔtetew layers mu.

3. Official Submission Address ne Nneɛma a Wɔde Kɔma Ho Nhyehyɛe (United States BEP) .¶

1. Hyehyɛ BEP Krataa 5283 (Mutilated Currency Redemption Request), de wo din, telefon, address a wode bɛsan aba, bank routing ne account number ma direct electronic ACH deposit, dɔla dodoɔ ne ne boɔ a wɔabu ho akontaa, sɛdeɛ sika no sɛeeɛ ho asɛm a wɔakyerɛw, ne wo Ogya Dwumadibea Amanneɛbɔ anaa FEMA Atoyerɛnkyɛm Krataa no bi.
2. Fa nkrataa no to AKWANKYERƐ a ɛwɔ mu a wɔde kotoku ahyɛ mu ma nhwɛsode adaka no mu (wɔ akyi po so hyɛn krataa no mu) sɛnea ɛbɛyɛ a nhwehwɛmufo renbubu sika a ɛyɛ mmerɛw no bere a wɔde wɔn nsa rekɔ wo kratasin no so no.
3. Fa po so hyɛn fa United States Postal Service (USPS) Registered Mail with Return Receipt Requested (a ɛkura nkɔnsɔnkɔnsɔn a wɔatoto mu a wɔde hwɛ nneɛma so na ɛma kwan ma ɛkɔ... $50,000 wɔ posɔfese insurance mu wɔ package biara mu):
4. USPS Nkrabea Address: Bureau of Engraving and Printing, Mutilated Currency Division, Room 344A, P.O. Box 37048, Washington, DC 20013.
5. Ankorankoro Nsɛmma Nhoma (FedEx / UPS) anaa Address a Wɔde Nsa De Kɔma: Bureau of Engraving and Printing, Mutilated Currency Division, Room 344A, 14th and C Streets SW, Washington, DC 20228 (Fon: 1-866-575-2361 anaa ** .202-874-2141**).
6. Hardship Expedite Request: Sɛ sika a asɛe no gyina hɔ ma wo asetra mu sika titiriw wɔ ofie ogya anaa nsuyiri akyi a, kyerɛw "HUMANITARIAN / DISASTER HARDSHIP EXPEDITE REQUEST - HOUSE FIRE TOTAL LOSS" wɔ Form 5283 atifi na frɛ 1-866-575-2361 ne wo USPS Registered Mail tracking nɔma no de bisa sɛ wɔbɛpaw nea edi kan.

--- .

Ɔfa 2: "No ID to Get an ID" Afiri no a wobebubu: Dependency Order a Ɛyɛ Pɛpɛɛpɛ¶

Sɛ ogya anaa nsuyiri sɛe wo sika kotoku ne wo fael dan bere koro mu a, wuhyia ɔkwan a ɛyɛ kurukuruwa a wode wo ho to so a DMV bisa Awo Ho Adansedi Krataa ne Social Security Card, SSA bisa Mfonini ID, na Civil Birth and Marriage Records bisa Mfonini ID. Sɛnea atoyerɛnkyɛm bere mu ahosiesie ho abenfo bu saa kurukuruwa no wɔ mmara kwan so wɔ ** nnɔnhwerew 48 kosi 72** mu ni:

Anamɔn 0: Boaboa Wo "Bridge Documents" (Secondary Evidence of Identity) .¶

Sɛ wo fie hyew mpo a, wo nipasu wɔ abɔnten ahyehyɛdeɛ databases a ɛnhia sɛ wode plastic mfonini ID bɛtintim bi: 1. Ɔmanfoɔ Ogya Dwumadibea Amanneɛbɔ a Ɛsi Ho Amanneɛbɔ (NFIRS) anaa FEMA Inspection Sheet: Ɛkyerɛ wo mmara kwan so din nyinaa, address a wobɛtena, ne da pɔtee a wɔsɛee wo ID titiriw no. 2. Ayaresabea Aduruyɛ Ho Kyerɛwtohɔ anaa Nnuru a Wɔde Ko Tia Nnuru a Wɔagye Din (With Name and Date of Birth): Nantew kɔ Aduruyɛ Ho Kyerɛwtohɔ mu (Health Information Management / HIM) dwumadibea a ɛwɔ wo ayaresabea anaa ayaresabea titiriw no mu. Wɔ HIPAA ase no, wo ayaresabea no betumi de ahobammɔ ho nsɛmmisa (DOB, SSN, address, physician name) na tintim ɔyarefo anim krataa a wɔagye atom, a wɔde stamp ahyɛ so anaasɛ immunization record a wo din nyinaa ne da a wowoo wo wɔ so. (Social Security Administration gye aduruyɛ ho kyerɛwtohɔ anaa akwahosan ho insurance krataa a wɔagye atom sɛ adanse a ɛto so abien a ɛkyerɛ sɛ obi yɛ onipa bere a ID titiriw ayera wɔ asiane bi mu no.) 3. Adwumawura HR Badge / Pay Stub anaa Sukuu Transcript a Mfonini ka ho: Bisa w’adwumawura no Human Resources office sɛ wɔntintim krataa a wɔde wɔn nsa ahyɛ ase a ɛkyerɛ sɛ ɛyɛ nokware a wo onboarding I-9 scan (many employers hold a scanned copy of your destroyed Driver's License or Passport in their HR file) ne adwumayɛfo ID badge. 4. USPS Address a Wɔasesa no Krataa a Wɔde Si Adi So (CNL) anaa Online Utility Bill PDF: Kɔ wo anyinam ahoɔden, nsu, gas, anaa telefon a wokura kyin ho akontaabu mu na tintim wo ɔsram biara sikatua ho nkrataa abien a ɛyɛ nnansa yi ara a ɛkyerɛ wo din ne address a woadi ansa na woatɔ ogya.

Anamɔn 1: Sɔ "DMV Biometric Shortcut" no hwɛ Kan (Saves 3 to 6 Weeks) .¶

Ansa na wobɛkra awo ho adansedi krataa afi mfiase no, kɔ wo mantam no mu ankasa Department of Motor Vehicles (DMV / . BMV / . RMV / . MVD) ne wo Fire Department Incident Report, wo Social Security Number a woakyere agu wo tirim, ne utility/bank statements mmienu a wɔatintim: - Efi bere a wɔde dijitaal karkafo tumi krataa a wɔde hu anim a wɔde di dwuma no sii hɔ no (REAL ID), wo mantam DMV no de wo digyital mfonini a ɛwɔ nsusuwii a ɛkorɔn, nsaano nkyerɛwee, nsateaa nkyerɛwee, ne awo-dansedi krataa/SSN akontaabu kwan a wɔagye atom sie dedaw wɔ ne mfinimfini mainframe no mu. - Bisa sɛ wo ne DMV Baa Dwumadibea sohwɛfo nkasa. Fa Ogya Dwumadibea no Asɛm Ho Amanneɛbɔ a ɛkyerɛ sɛ wo sika kotoku no yerae wɔ ogya anaa nsuyiri mu no ma. Ɔhwɛfo no betumi atwe wo dijitaal mfonini a ɛwɔ hɔ dedaw no akɔ soro wɔ wɔn monitor so, de w’anim atoto wo biometric mfonini a wode asie no ho, agyae ahwehwɛde a ɛne sɛ wobɛsan de w’awo ho adansedi krataa a wɔde krataa ayɛ no ama, na wama Duplicate Driver’s License (or temporary photo receipt) wɔ hɔ.

Anamɔn 2: Nya W’awode Krataa a Wɔagye Din (If the DMV Requires It) .¶

Sɛ wutu kɔɔ ɔman foforo mu bere tiaa bi ansa na ogya no retɔ (enti mpɔtam hɔ DMV no nni wo mfonini biara wɔ fael mu) a, gye Certified, Raised-Seal Birth Certificate fi w’awo tebea mu: - Ɔkwan tiawa A: Fa "Vouching Immediate Family Member" a ɔwɔ ID a ɛfata di dwuma: Ɛkame ayɛ sɛ wɔ ɔman biara mu no Civil Birth and Marriage Records mmara biara mu no, ɔwofo, abofra a wanyin, ɔhokafo a ɔwɔ mmara kwan so, anaa nana a ɔda so ara wɔ wɔn Driver's License a ɛfata no wɔ mmara kwan so tumi sɛ ɔntɔ wo awo ho adansedi krataa a wɔagye atom wɔ wo ananmu. - Kwan tiawa B: In-Person Disaster Hardship Packet: Di Ɔmanfoɔ Awoɔ ne Awareɛ Kyerɛwtohɔ Dwumadibea (State Department of Health) a ɛfa wo awo tebea ho denam aban kyerɛwtohɔ a ɛwɔ ** .cdc.gov/nchs/w2w/** na ɛyɛ. Fa wo Ogya Dwumadibea no Asɛm Ho Amanneɛbɔ ne nkrataa a ɛto so abien (certified hospital medical record, employee ID badge, school transcript, or a sworn Identity Affidavit signed in front of a notary via a credible identifying witness).

Anamɔn 3: Fa Wo Social Security Card Sesa ($0 Fee) .¶

Sɛ wonya biara wo Duplicate Driver's License anaasɛ Certified Medical Record / Adwumayɛfoɔ ID + Ogya Amanneɛbɔ wie a: 1. Internet so Portal (my Social Security): Wɔ U.S. aman dodow no ara mu no, sɛ wunim wo Driver’s License anaa State ID nɔma a, wubetumi abisa Social Security card foforo a wontua hwee wɔ intanɛt so wɔ ** .ssa.gov/number-card/replace-card** na ɛyɛ. 2. Atoyerɛnkyɛm Ho Nnantew-In-Anipa (SSA Field Office): Wɔ Asetra mu Ahobammɔ Dwumadi Nhyehyɛe Dwumadi Nhoma Nhyehyɛe (POMS RM 10210.420 - Priority Handling for Disaster Victims), sɛ wohwere mfonini ID titire nyinaa wɔ ogya anaa atoyerɛnkyɛm mu a, fa wo Ogya Amanneɛbɔ ne Aduruyɛ ho Kyerɛwtohɔ a Wɔagye Din (a wɔde ama wɔ mfeɛ 5 a atwam no mu a ɛkyerɛ wo din ne da a wɔwoo wo), Akwahosan Insurance anaa Medicare Kaad, Adwumayɛfoɔ ID kaad, anaa School ID card bra. SSA de kɔmputa so hwɛ sɛ w’awo ho kyerɛwtohɔ yɛ nokware (EVVE system) na ɛde SSN Printout Verification ( ) a ɛba ntɛm ara ma.Numident receipt) a wo kaad no di akyi wɔ mu 7 to 14 days.

Anamɔn 4: Fa U.S. Tumi Krataa a Asɛe (And Use the Free File Search Rule) .¶

Sɛ wo U.S. Passport anaa Passport Card a ne bere atwam no hyewee wɔ ogya mu anaasɛ nsuyiri bi hohoroo ho a: 1. Bɔ Ɔsɛe no Ho Amanneɛbɔ (Form DS-64) ne Fa Di Dwuma Wɔ Ankasa (Form DS-11): Fa Form DS-64 na fa w’ankasa fa wo ho hyɛ Passport Acceptance Facility (Post Office / Clerk of Court) anaa Ɔmantam Akwantuo Dwumadibea a wɔde Form DS-11 di dwuma. 2. Nea $150 Fael Hwehwɛ Ɔkwan Tiawa (Bere a W’awo anaa Wo Naturalization Certificate nso Hye): Sɛ kan no na wowɔ U.S. Passport a wɔde mae wɔ 1994 akyi a, fa Written Request for a File Search ka Form DS-11 ho. Passport Services hwehwɛ wo kan ɔman ba ho kyerɛwtohɔ ne dijitaal akwantu tumi krataa mfonini wɔ federal Consular Consolidated Database (CCD). Wɔ ɔman no atoyerɛnkyɛm ho mmara ase (22 CFR 22.1), sɛ wo akwantu tumi krataa a ɛfata no yerae anaasɛ ɛsɛee wɔ asiane kɛse bi mu (anaasɛ ofie ogya a ɛwɔ aban nkrataa mu) a, Ɔman Dwumadibea no yi $150 Fael Hwehwɛ ho ka (na wɔ asiane akɛse a ɔmampanyin no abɔ ho amanneɛ mu no, wɔn a wɔfata sɛ wonya nkwa no betumi de Form DS-5504/DS-11 abisa akwantu tumi krataa a wɔde besi ananmu a wontua hwee).

--- .

Ɔfa 3: Master Reference Table: Nwoma Biara a Ɛho Hia a Wɔbɛsesa Wɔ Ogya anaa Nsuyiri Akyi¶

Fa saa kyerɛwtohɔ yi di dwuma fa san kyekye wo fie mmara ne sikasɛm fael denam aban adwumayɛbea ahorow a ɛyɛ aban de so.

--- .

Ɔfã 4: Insurance Nhyehyɛe a Wo werɛ afi a Wobɛhwehwɛ ne Nsɛm a Wɔahyehyɛ a Wobɛsan Ayɛ¶

Bere a ogya tɔɔ ofie akyi no, afiewuranom ne wɔn a wɔagye adan pii hu sɛ wɔnam wɔn dan ka ho akontaabu so tuaa wɔn insurance no ara kwa (or auto-pay card) na nkae insurance adwumakuw bɛn na ɔyɛ wɔn fie insurance:

1. Frɛ Wo Mortgage Servicer (Escrow Department) Nea edi kan: Federal sikakorabea mmara hwehwɛ sɛ wo dan ka ho adwumayɛfo no kura Hazard / Homeowner’s Insurance Certificate a ɛyɛ adwuma wɔ wo escrow fael no mu. Twe wo free credit report wɔ AnnualCreditReport.com deɛ; nsɛm a wɔakyerɛw wɔ "Real Estate / Mortgage Installment Loans" ase no kyerɛw wo dan ho adwumayɛfo no din ne telefon nɔma. Frɛ wɔn Escrow Desk na woanya wo Homeowner’s Insurance Carrier Name ne Policy Number.
2. Kɔ Wo Ɔman Insurance Commissioner anaa CLUE Database (LexisNexis): Frɛ wo State Department of Insurance Consumer Hotline anaa bisa wo LexisNexis C.L.U.E. Ankorankoro Agyapade Ho Amanneɛbɔ (1-866-312-8076), a ɛkyerɛw nhyehyɛe ho abakɔsɛm a ɛbata wo din ne w’address ho.
3. Reconstruct Wo Destroyed Home Inventory Room-by-Room: Twe mfeɛ 3 kɔsi 5 a atwam no intanɛt so retail order abakɔsɛm (Amazon, Target, Walmart, Home Depot, Best Buy, Apple) hwehwɛ brand din pɔtee, model nɔma, ne nna a wɔde tɔ, na twe kɔ wo cloud smartphone mfonini nhomakorabea (iCloud Photos / Google Photos) sɛ wobɛkyerɛw dan mu nneɛma, mfiri, nnwinnade, ne nneɛma a wɔde gu mu ama wo Coverage C ( .Personal Property) hyehyɛberɛ.

--- .

Mpɔtam hɔ ntɛmpɛ nɔma ne adwumakuw no nhyehyɛe ahorow¶

Sikakorabea kɛse biara ne ɔmanfo dinkyerɛw nhyehyɛe no yɛ nhwehwɛmu dan a wɔde gye sika a wɔatwitwa a wontua hwee ne ɔkwan a wɔfa so de kyerɛwtohɔ ahorow a ɛho hia si ananmu ntɛm ara di dwuma:

• Amerika: U.S. Dwumadibea a Ɛhwɛ Nneɛma a Wɔakyerɛw ne Ntintim So (BEP) Sika a Wɔatwitwa Mu Nkyekyɛmu ( .bep.gov/services/mutilated-currency-redemption, ** .1-866-575-2361**); FEMA Atoyerɛnkyɛm Ho Mmoa (DisasterAssistance.gov anaasɛ 1-800-621-3362), Asetra mu Ahobammɔ (1-800-772-1213), IRS Atoyerɛnkyɛm Ho Ntrɛwmu (1-866-562-5227), YƐN. Akwantuo Ho Nsɛm (1-877-487-2778) na ɛyɛ. Nnɔmba a egye ntɛmpɛ: 911.
• Canada: Bank of Canada a Wɔatwitwa Sikakorabea Nkrasɛm Dwumadibea (234 Wellington Street, Ottawa, ON K1A 0G9, ** .1-800-303-1282**) gye polymer ne krataa sika a wɔahyew anaa nsuyiri asɛe no kwa; Ɔsom wɔ Canada (1-800-622-6232) si SIN kyerɛwtohɔ ne Pasport ananmu; Ɔmantam no mu Ɔmanfo Kyerɛwtohɔ (ServiceOntario, . ServiceBC, . Directeur de l'etat civil) besi Awo Krataa ne Karkafo Tumi krataa ananmu. Nnɔmba a egye ntɛmpɛ: 911.
• United Kingdom: Bank of England Sikakorabea a Wɔasɛe no na Wɔatwitwa mu Dwumadibea (Department NEX, Threadneedle Street, London EC2R 8AH, ** .020 3461 4878**) tua Sterling sika a wɔahyew anaa nsuyiri asɛe no ho ka wɔ ne bo nyinaa mu; wo ne HM Akwantuo Dwumadibea (0300 222 0000), DVLA (gov.uk/replace-a-driving-licence), Adwumayɛbea a Wɔkyerɛw Wɔn Din Kɛse (0300 123 1837), ne HM Asase Ho Nkyerɛwde (£3 ɛlɛtrɔnik asɛmti ho mfonini). Nnɔmba a egye ntɛmpɛ: 999 anaa 112.
• Europa Aman Nkabom (Eurozone): Wɔ Gyinaesi ase ECB/2013/10, ɔman sikakorabea kɛse biara a ɛwɔ Euro nhyehyɛe no mu (Deutsche Bundesbank, Banque de France, Banco de Espana, Banca d'Italia) sesa Euro sika a wɔahyew anaa nsuyiri asɛe no wɔ ɔha biara mu nkyem 100 anim bo a wontua hwee bere a > 50% no mu nsɛm a wɔakyerɛw no a wɔde ma, anaasɛ <= 50% a ogya/atoyerɛnkyɛm ho adanse wom. Nnɔmba a egye ntɛmpɛ: 112.
• Australia ne New Zealand: Australia Sikakorabea (RBA) Sikakorabea a Asɛe (rba.gov.au/banknotes/damaged-banknotes/) de forensic area scaling hwehwɛ polymer nkyerɛwde a ɔhyew ayɛ mu ma mu; Nnwuma Australia Atoyerɛnkyɛm Ho Mmoa (180 22 66) yɛ ID a wɔde besi ananmu a wontua hwee ne ɔman BDM kyerɛwtohɔ ahorow (000) no bom. Wɔ New Zealand no, kɔ Reserve Bank of New Zealand (RBNZ) ne Asoɛe a ɛhwɛ ɔman no mu nsɛm so (0800 22 52 52) (111) na ɔkyerɛwee.
• India, Japan, ne Asia-Pacific: Wɔ India no, India Sikakorabea (RBI) Hyɛ no nsow Refund Mmara ka Rupee sika a wɔahyew anaa nsuyiri a wɔatwitwa ho wɔ RBI Issue Offices; UIDAI (1947) de biometric Aadhaar a wɔasan atintim ne DigiLocker (digilocker.gov.in) san de dijitaal PAN ne Karka Tumi Krataa (112) ba. Wɔ Japan no, Japan Sikakorabea (BOJ) exchanges hyew Yen nkyerɛwde wɔ 100% bo sɛ nkyem abiɛsa mu abien (66.7%) da so ara (anaasɛ 50% boɔ sɛ 40% to 66.7% da so ara wɔ hɔ), na Municipal Ward Offices de Atoyerɛnkyɛm Ahorow Adansedi Krataa (Risai Shomeisho) (119 / 110) na ɔkyerɛwee. Hwɛ nɔma ahorow a egye ntɛmpɛ.

--- .

Nsɛm a wɔtaa bisa¶

Me sikakorabea a ogya ntumi nkɔ mu no nyaa nkwa wɔ ofie ogya no mu, nanso wɔtow krataa so sika a ɛwɔ mu no yɛɛ no ​​fango birikisi tuntum a ɛyɛ mmerɛw. So mfaso nni so?¶

Dabi: **ntow saa birikisi tuntum no ngu, na mfa wo nsa nka anaasɛ ntutu nkrataa no mfi mu.** Cotton-linen banknotes (`like US Dollars and Euros`) carbonize wɔ ɔhyew a ano yɛ den mu ma ɛbɛyɛ nkratafa tuntum a ɛyɛ mmerɛw a ɛkora magnetic ne dade ink nsusuwii a forensic mfiri a ɛwɔ **U.S. Dwumadibea a Ɛhwɛ Nneɛma a Wɔakyerɛw ne Ntintim So (`BEP`) Sika a Wɔatwa no Mu Nkyekyɛmu**. Fa charred stack no sie sɛnea ɛte wɔ cotton batting mu wɔ rigid box mu na fa USPS Registered Mail so mena ne wo **Fire Department Incident Report** ma sika a wode bɛto Sikakorabea tẽẽ a wontua hwee wɔ **ɔha biara mu nkyem 100 wɔ bo a wɔagye atom no mu**.

Na sɛ dɔla biara sika bɛboro fã hyew kɔ nsõ wɔ anoano nso ɛ?¶

Wɔ **31 CFR 100.5(a)(2)** ase no, sɛ krataa bi ɔha biara mu nkyem 50 anaa nea ennu saa da so ara yɛ nea enni dɛm a, Sikakorabea no **da so ara gye krataa no wɔ ɔha biara mu nkyem 100 anim bo so** sɛ wode adanse a ɛfoa so ma a (`your Fire Department Report, photos of the burned safe, and a signed Form BEP-5283 statement`) a ɛkyerɛ sɛ afã horow a ayera no **ogya no sɛee** na obi foforo ntumi nnye.

So krataa Deed a wɔhyew kɔ me fie no kyerɛ sɛ mahwere mmara kwan so adanse a ɛkyerɛ sɛ me na mewɔ m’agyapade?¶

Dabi **Agyapadeɛ Krataa** a wɔde asie wo fael cabinet mu no yɛ mmara kwan so adwinnadeɛ a wɔde kɔma obi foforɔ a wɔakyerɛw wɔ wo mantam no **Asase ho Kyerɛwtohɔ / Registry of Deeds** mu berɛ a wotɔɔ ofie no no bi kɛkɛ. Wo mmara kwan so wurayɛ da so ara wɔ County Recorder no database no mu: kɔ wo **County Recorder anaa Clerk’s office** na tua `$1 to $15` ma **Wo Recorded Deed no bi a wɔagye atom**.

Mɛyɛ dɛn atumi anya Driver’s License anaa Birth Certificate foforo sɛ mfonini ID biara a na mewɔ no hyewee wɔ ogya no mu a?¶

Di kan nya **wo Ogya Dwumadibea Asɛm no Amanneɛbɔ a wɔagye atom (`NFIRS report`)**, a enhia sɛ wonni mfonini ID biara. Fa saa ogya amanneɛbɔ no ka utility bills anaa sikakorabea nkrataa mmienu ho kɔma wo **state DMV supervisor**: wɔ aman dodoɔ no ara mu no, DMV no wɔ wo **digital photo ne signature wɔ file** dedaw firi wo kan tumi krataa no mu na wɔbɛtumi ahwɛ sɛ w’anim yɛ nokware wɔ wɔn screen so de tintim tumi krataa a ɛyɛ mmienu. Sɛ wuhia Awo Krataa kan a, nya abusua muni bi a ɔwɔ ID a ɛfata (`parent, spouse, or adult child`) kra ma wo, anaa fa wo Ogya Amanneɛbɔ a wode **aduruyɛ ho kyerɛwtohɔ a wɔagye atom a efi wo duruyɛfo hɔ** ka ho kɔ Civil Birth Records ne Social Security Administration (`POMS RM 10210.420`).

Dɛn na ɛto Australia, Canada, anaa UK polymer (plastic) sika kɔkɔɔ wɔ ofie ogya mu?¶

Nea ɛnte sɛ krataa-cotton sika a ɛyɛ char ma ɛbɛyɛ carbon tuntum no, **polymer sika kɔkɔɔ (`used in Canada, the UK, Australia, and New Zealand`) nwene na ɛtew wɔ ɔhyew a ano yɛ den mu**, na ɛbɔ no plastic ahinanan a ɛyɛ den anaasɛ ɛfrafra mu ma ɛyɛ akuru a ɛyɛ den. **Mmɔ mmɔden da sɛ wobɛhwehwɛ anaasɛ wobɛma ayɛ petee polymer sika a ɔhyew ayɛ no petee.** Sikakorabea akɛse (`Bank of Canada, Bank of England, and Reserve Bank of Australia`) de forensic solvents, X-ray micro-CT scanners, ne shrink-ratio templates di dwuma de susuw nsɛm a wɔakyerɛw a wɔatwitwa so na wɔsan tua wo ka wɔ **ɔha biara mu nkyem 100 anim bo**.

--- .

Akwankyerɛ ahorow a ɛfa ho¶

• Sika a wɔde sie ntɛm ara, sikasɛm mu go-binder, ne offline document vault
• Digital estate emergency access kit, owufo switch, ne password vault agyapade
• Nea ɛsɛ sɛ wode ba bere a woretu afi hɔ no
• Ahum ne ahum a wɔtew so na wɔsan nya ahoɔden
• Nnɔmba ahorow a egye ntɛmpɛ

--- .

Fibea ne aban akwankyerɛ¶

• United States Sikakorabea Dwumadibea - Dwumadibea a Ɛhwɛ Nneɛma a Wɔakyerɛw ne Ntintim So (BEP): Sika a Wɔatwa no Muagye ho Mmara (31 CFR Part 100, Subpart B), Mmara a ɛfa Sikakorabea a Wɔahyew ne Nsu a Ɛma Nsu a Wɔde kyekyere Nneɛma Ho, ne Krataa BEP-5283 (bep.gov/services/mutilated-currency-redemption).
• Asetra mu Ahobammɔ Dwumadibea (SSA, United States): Dwumadi Dwumadi Nhoma Nhyehyɛe (POMS RM 10210.420 na EM-21056): Nneɛma a Wɔde Di Kan Di kan ne Adanse a Wɔayiyi Afiri Wɔn a Atoyerɛnkyɛm Ato Wɔn Ho.
• Aman no Dwumadibea a Ɛhwɛ Ntɛmntɛm So (FEMA) & Ready.gov (United States): Nwoma a Ɛho Hia a Ayera anaa Asɛeɛ a Wɔbɛsesa Wɔ Atoyerɛnkyɛm Bi akyi.
• United States Department of State - Bureau of Consular Affairs: U.S. Akwantuo a Ayera anaa Atoyerɛnkyɛm asɛe no a wɔde besi ananmu (Form DS-64, . Form DS-11, ne Fael Hwehwɛ Ka a Wɔayi afi Mu 22 CFR 22.1).
• England Sikakorabea, Canada Sikakorabea, Australia Sikakorabea (RBA), ne Europa Sikakorabea Kɛse (Decision ECB/2013/10): Amanaman Ntam Sikakorabea Kɛse no Asɛnnibea Gyinapɛn a Wɔde Tua Polymer Sikakorabea a Ogya Ahyew, Nsuyiri a Wɔatwitwa, ne Ɔhyew Asɛe no Ka.