Iingcebiso Eziphambili Ukufumana Uninzi Kwama-Akhawunti Yokusindisa
I-akhawunti yokulondoloza yindlela ekhethekileyo ye-akhawunti kwibhankini okanye inkontileka yemali, ekuvumela ukuba ubeke imali, ugcine imali ikhuselekile, kwaye uhoxise imali njengoko kuyimfuneko. I-akhawunti yokulondoloza ihlawula umrhumo kwiimali zakho, ezikunceda ukuba ukhulise imali yakho, kodwa ixabiso liyancinci kule akhawunti.
Njengoko ulawula i-akhawunti yakho yokulondoloza, uzakusebenzisa amanye ama-akhawunti kwiimfuno ezithile zemali (njenge- akhawunti yokukhangela iintlawulo kunye nokuthenga ).
Indawo ekhuselekileyo yokufikelela kwimali yakho
I-akhawunti yokugcina igcina imali yakho kwindawo ephephile - ibhanki yakho okanye inyunyana yekhredithi. Endaweni yokuphatha imali okanye ukugcina imali ekhaya lakho, unokubeka imali kwi-akhawunti yokulondoloza ukugcinwa ngokukhuselekileyo.
Iimali ezingaphandle kwebhanki zinokubanjwa lula okanye zonakaliswe emlilweni. Kodwa xa urhulumente wesigqeba uqinisekisa ukugcinwa kwakho, ugwema ukulahleka kokulahlekelwa yimali xa ibhanki yakho okanye umanyano wezikweletu ungaphumeleli.
- Amabhanki agqitywe yi- inshurensi ye-FDIC
- Iimanyano zeentengo zemboleko ze-Federally zikhutshwe yi- inshurensi ye-NCUSIF (ii-akhawunti kwiimanyano zamatyala zibizwa ngokuba yi-"share" akhawunti )
I-akhawunti yokulondoloza inikeza ukufikelela okulula kwimali yakho (eyaziwa nangokuthi i- liquidity , okanye ukukwazi ukukhupha ngokukhawuleza kwaye ngokukhawuleza). Xa usukulungele ukuchitha imali, unako ukurhoxisa imali okanye uthumele imali kwi- akhawunti yakho yokukhangela ukuhlawula ngetshekhi, ikhadi lokukhwabanisa, okanye ukudluliselwa kwemali. Ngokuqhelekileyo ungenzi ezo ntlobo zeentlawulo ngokukhawuleza kwi-akhawunti yakho yokulondoloza - umda wezomthetho unqanda inani lokudluliselwa okuthile ngaphandle kwenyanga .
- Funda malunga nokusebenzisa ikhadi lokubambisa ukuthenga kunye nezinye iintlawulo.
- Jonga indlela yokumisela inkokhelo yentlawulo ye-intanethi kwi-check.
Nangona kukho izithintelo zokuphuma eziphumayo, ungenza inani elingenamkhawulo lokukhipha imali kwi-akhawunti yakho yokulondoloza kwi-ATM okanye nabalandeli bakho bebhanki.
Ukukhulisa Imali Yakho
I-akhawunti yokugcina ihlawula inzala kwimali kwi-akhawunti yakho. Ngenxa yoko, ibhanki yakho iya kwenza izongezelelo ezincinci kwi-akhawunti yakho, ngokuqhelekileyo nyanga zonke. Inzala yenzalo ixhomekeka kwiimeko zezoqoqosho kunye nesifiso sakho sebhanki sokukhuphisana namanye amabhanki. Iingxelo ze-akhawunti yokulondoloza ngokuqhelekileyo ayinakuphakama kakhulu - zinokuthi zifanise okanye zitshitshise ixabiso lentengo-kodwa umngcipheko welahleko awukho nto xa imali yakho iqinisekisiwe ngokusemthethweni.
Umdla omncinci ungcono kunanto (ukujonga ii-akhawunti akuninzi ukuhlawula nantoni na, kodwa kukho ukungafani).
Ukuthelekisa i-akhawunti yokulondoloza, jonga i- percentage rate rate (APY) ehlawulwe kwi-akhawunti. Ngomdla ongakumbi, zama ukusebenzisa ukuhluka kwiakhawunti yokugcina imali:
IiNgxelo zokuLondoloza kwi-Intanethi
I-akhawunti-kuphela i-akhawunti yindlela enkulu yokufumana imali ephezulu kunye nemali ephantsi . Iibhanki ze-intanethi azikho iindleko ezifanayo kunye neebhanki zetena kunye ne-mortar, kwaye zivumela ukuba uqalise kunye neyadola enye. Uza kufumana ikhadi ye-ATM ukurhoxisa imali, kwaye ungadlulisela imali kwi-bhanki yakho yasekhaya okanye kwimanyano yekhredithi ngekhompyutha malunga neentsuku zoshishino ezintathu. Ukongeza imali, unako ukubeka iitshekhi ngefowuni yakho yeselula .
Iimali zeeMali zeMarike
Efana ne-akhawunti yokulondoloza, i-akhawunti yemarike yemali ihlawula umrhumo kwiimali zakho kunye nokukhawulela ukuba unokuthi utshintshise njani ixesha elide. Nangona kunjalo, bahlawula imali engaphezulu kweengxelo zokulondoloza, kwaye kulula ukuyisebenzisa imali yakho.
Ezi ngxelo zihlala zibonelela ngekhadi lokuhlawula okanye i-checkbook ongayisebenzisa ukuchitha ixesha eliphindwe kathathu inyanga nganye (ngoko ke luncedo ekunakekeleni ngokukhawuleza okanye kwiintlawulo ezinkulu).
Iziqinisekiso zeDistim (iiCD)
Ukuba unokuzibophelela ekushiyeleni imali yakho engasetyenziswanga ubuncinane ubuncinane kweenyanga ezintandathu, unokukwazi ukufumana ngaphezulu kwiCD . Ezi ngxelo ziza kunye nezibophelelo zexesha ezihlukeneyo (inyanga ezintandathu, unyaka omnye, okanye iminyaka emibini, umzekelo), kodwa unokuba uhlawule isohlwayo xa uphuma ngokukhawuleza. Ezinye iiCD ziguquguqukayo, zinikezela ngokukhawuleza ukuhlawulwa, kodwa ukuguquguquka ngokuqhelekileyo kuza ngezinga elincinci.
Kutheni iibhanki zihlawula inzala kwimali yakho? Ukukukhuthaza ukuba ufake imali kwaye uyishiye kwi-akhawunti yakho. Batshala imali kwaye baboleke loo mveliso kwabanye abathengi kwizinga eliphezulu lomdla kwaye bafumana inzuzo kumlinganiselo (okanye "usasazeka") phakathi kwamaxabiso enzala. Funda kabanzi malunga nendlela iibhanki ezenza ngayo imali .
Ngaba Ufuna I-Akhawunti Yokugcina?
Ngokuqhelekileyo kubulumko ukuba ne-akhawunti yokulondoloza, kwaye bahlala bekhululekile-ngakumbi kwiibhanki ze-intanethi kunye neebhanki zoluntu kunye neemanyano zemboleko.
Ngaphandle kwe-akhawunti yokulondoloza, uya kuhlala phi imali ongayicwangcanga ukuyisebenzisa kwikamva elizayo? Akukhuselekanga ukubamba imali, kwaye kukho inzuzo yengqondo ekusebenziseni i-akhawunti yokulondoloza: Kuzama ukuchitha imali onayo esandleni (okanye kwi-akhawunti yokutshekisha), ngoko i-akhawunti yokulondoloza ikunceda ukubeka imali kunye nokufikelela iinjongo.
Iakhawunti yebhanki yenza kube lula ukusebenza kweli hlabathi lanamhlanje. Unokufumana ngaphandle komnye, kodwa uza kuchitha ixesha elininzi kunye nezinto ezinokuphepha xa uvula i-akhawunti.
Indlela yokuvula iAkhawunti yokuSindisa
Ukuvula i-akhawunti yokulondoloza kufuneka kuthathe ngaphantsi kweyure (ngamanye amaxesha imizuzu embalwa ), kwaye iya kukukhonza iminyaka emininzi ezayo. Indlela elula yokuvula i-akhawunti kukukwenza kwi-intanethi okanye ngefowuni yakho yeselula. Ukuba ukhetha ukukhokelwa ngumntu, tyelela igatsha lasebhanki.
- Thelekisa iibhanki ngokuphonononga amaxabiso omyinge, iifizi, iimfuno zokulinganisela ibhalansi kunye nezinye iinkonzo. I-akhawunti yokulondoloza ayiyi kuhlawula kakhulu, ngoko ke nayiphina imali iyakuthi idle kwimali oyifakileyo - ngaphezu kokususa nayiphina imali efumanekayo kwi-akhawunti.
- Ukuba uqwalasela iimanyano zemali-mboleko , qiniseka ukuba uvumelekile ukujoyina. Khangela loo nkcukacha kwi-intanethi, okanye ubiza umnxeba we-credit kwaye ubuze malunga nokuvula i-akhawunti.
- Khetha ibhanki okanye umanyano weentengo zemboleko ohlangabezana neemfuno zakho. Into ebaluleke kakhulu kukufumana i-akhawunti elula ukuyisebenzisa kwaye uya kufaka imali (nokuba oko kuthetha ukuba isebe lifumaneka ngokufanelekileyo okanye insiza yeselula inengqiqo kuwe). Isilinganiso sokulondoloza esincinane asibalulekanga ngaphandle kokuba uza kwenza idizithi ezinkulu.
- Hlanganisa ulwazi olufunekayo ukuvula i-akhawunti. Uzakufuna ukuchongwa kukaRhulumente (inombolo yelayisensi yomqhubi, i-ID yomkhosi okanye enye i-ID), iNombolo yoKhuseleko lweNtlalo okanye efanayo, kunye nedilesi yeposi.
- Vula i-akhawunti kwi-intanethi okanye ngomntu ngokuthumela isicelo.
- Fund i-akhawunti nge-deposit yokuqala, ukuba kuyimfuneko (okanye yongeza nje xa unako ukwenza njalo).
Ukuvula i-akhawunti, ubuncinane umgcini-akhawunti omnye kufuneka abe ngaphezu kweminyaka eyi-18. Iinkcukacha ezithile ziyahluka ukusuka kwibhanki ukuya kwi-bhanki, ngoko cela inkonzo yabathengi iinkcukacha ukuba uvula i-akhawunti kwincinci. Kukho iindlela ezininzi zokugcina imali yomntu oneminyaka engaphantsi kwe-18, ngoko uvavanye zonke iindlela .
Indlela yokusebenzisa iAkhawunti yakho yokuSindisa
I-akhawunti yokulondoloza yindawo enhle yokugcina imali ikhuselekile kwiimfuno ezizayo. I-akhawunti yokulondoloza (kunye neenguqu ezichazwe ngasentla) zixhamla ngokukhethekileyo ngemali onokuyidinga kwiminyaka embalwa elandelayo. Akunakufumana imali eninzi yokugcina imali, kodwa nje kuphela xa imali yakho iqinisekisiwe ngokusemthethweni kwaye uhlawule imali, awuyi kulahlekelwa loo mali.
Ezinye iindlela eziqhelekileyo zokusetyenziswa kweengxelo zokulondoloza zichazwe ngezantsi.
Ukulondoloza ukuthenga okuMkhulu:
Ukuba uceba ukuthenga indlu okanye imoto kwiminyaka embalwa ezayo, mhlawumbi kufuneka uhlawule ukufumana imali-mboleko - kwaye ufumane imigaqo engcono . Futhi i-akhawunti yokulondoloza yindawo enhle yokwakha (kunye nokugcina) ephantsi kwentlawulo xa ulungele ukuthenga.
Iiholide ezizayo okanye ezinye iindleko:
Uyakuvuyela ikhefu ngakumbi nangakumbi xa ungenayo ityala kwaye unayo imali eyaneleyo yokuhlawula konke oku kumnandi. Yakha isikhwama seeholide kwi-akhawunti yokulondoloza ngokudlulisela imali kwimali yakho yonke inyanga. Ngokufumana loo mali kwi-akhawunti yakho yokujonga, awuyi kuhendelwa ukuba uyisebenzise.
Ukhuseleko olukhuselekileyo:
Ubomi soloko bukwazi ukusimangalisa. Ingxowa-mali engxamisekileyo ingakunceda ukuba ugweme ukuthatha ityala eliyingozi (okanye ukuvumela ukungathandeki - xa kungenobungozi - iingxaki zihlala ixesha) xa kungalindelekanga. Iifowuni kwi-akhawunti yokulondoloza ifikeleleka ngaphandle kwesohlwayo, ngoko unokunyamekela imiba ngokukhawuleza.
Ukongeza iNgxowa-mali kwi-Savings
Kukho iindlela ezininzi zokongeza imali kwi-akhawunti yokulondoloza.
Inkcitho yeDistim:
Indlela yendabuko yokwenza iiphozithi zizisa imali kwi-bhanki okanye kwi-union union unit. Unokwenza iifomethi kwiATM ezithile , ukuvumela ukuba ufake imali ngaphandle kweebhanki (okanye kwindawo efanelekileyo kakhulu kuwe).
I-Deposit Checks:
Unokufaka i-checks ngqo kwi-akhawunti yokulondoloza. Xa usenza idiphozithi, faka kuphela inombolo yakho ye-akhawunti yokugcina kwi-slip yediphozithi . Uninzi lweebhanki, kunokwenzeka ukuba ubeke iifowuni kunye nesixhobo sakho sesefowuni - ngoko akudingeki ukuba uye naphi na kwesebe okanye kwi-ATM. Iimali ziya kufumaneka kwiintsuku ezimbalwa, kuxhomekeke kwimigaqo yebhanki yakho .
Ukutshintshela ekuhloleni (ngaphakathi):
Ukuba unayo i-akhawunti yokutshekisha, ukuhambisa imali ekuhloliseni ukugcina imali kwi-bhanki enye kulula, kwaye kudla ngokukhawuleza. Sebenzisa nje i-app yakho yebhanki, iwebhusayithi, okanye umgca weenkonzo zabathengi ukuze uhambe. Fumana loo mali ngaphandle kokutshekisha ngoko uyazi ukuba igcinwe enye into.
Ukudluliselwa kweeMbane (iBhanki kwiBhanki):
Ungenza kwakhona idilesi yekhompyutha kwi-akhawunti yokulondoloza evela kwelinye ibhanki. Umzekelo, qhagamshela i-akhawunti yakho yendawo yezitena kunye ne-mortar kwi-akhawunti ye-intanethi ehlawula ngaphezulu okanye ikuvumela ukuba usethe "ama-akhawunti" ukukunceda ugcine iinjongo.
IDistim eLawulayo:
Ukuba umqeshi wakho ukhokhela ngokupaka ngokuthe ngqo , bacele ukuba bahlule intlawulo yakho ukuze enye itye ngqo kwi-akhawunti yokulondoloza. Leyo mali ayiyi kukhangela i-akhawunti yakho yokujonga, ngoko uya kusindisa ngaphandle kokuzama.
Ukusebenzisa iMali esuka kwiSaving
Ukusebenzisa imali yakho, kuya kufuneka ufune ukuhambisa imali ngaphandle kwe-akhawunti yokulondoloza. Kwiimeko ezininzi, kuya ku-akhawunti yokukhangela, kwaye unokubhala isheke (okanye usebenzise inkokhelo yentlawulo ye-intanethi ) okanye sebenzisa ikhadi lakho lokubambisa ukuchitha. Kodwa kukho iindlela eziliqela zokusebenzisa imali kwi-savings.
Ukurhoxisa imali:
Ukuba ufuna imali yenyama, unokufumana imali kwi-ATM. Unokwenza ukurhoxiswa okungenamkhawulo kuma-ATM (okanye kunye nomtshi, ngomntu).
Ukutshintshela ekuhloleni (ngaphakathi):
Ukuhambisa imali kwi-akhawunti yokukhangela kwibhanki elilodwa likhawuleza kwaye kulula. Xhagamshelana neenkonzo zabathengi, okanye wenze ukutshintshwa usebenzisa i-app yakho yebhanki okanye iwebhusayithi.
Ukudluliselwa kweeMbane (iBhanki kwiBhanki):
Kwakhona kulula ukuhambisa imali kwibhanki eyahlukileyo , kodwa inkqubo ithatha iintsuku ezimbalwa zeentsuku ngaphandle kokuba ufake imali ngemali eyongezelelweyo.
Cela i Hlola:
Kwezinye iimeko, kusenokuba lula ukuba ibhanki yakho ifake isheke ngokusebenzisa imali evela kwi-akhawunti yakho yokulondoloza. Ngokomzekelo, xa uhlawula intlawulo kwindlu, ibhanki yakho inokudala isheke esikhokhelwayo esikhokhwayo kwenkampani yomxholo okanye umthengisi.