Ibhanki kunye nomthengisi wakho
Iyiphi iAkhawunti yokuLawula imali?
I-akhawunti yokuphatha imali yile akhawunti yerhwebo eyenzelwe ukulawula imali, ukwenza iintlawulo kunye nokufumana umdla.
Ii-akhawunti ziqhelekileyo, kodwa kungekho rhoqo, zihluke kwii-akhawunti ze-investment kwiifenki zemali-mboleko, kodwa unokuzidibanisa ngokulula kwi-akhawunti ye-investment.
Yenza lula: I-akhawunti yolawulo lwemali ikuvumela ukuba usebenzise isikhungo esisodwa sezemali kwiimfuno zakho zokugcina kunye nokutshala imali. Oko kuthetha ukuphela komqondiso ukugcina umkhondo, izitatimenti ezimbalwa kunye neefom zerhafu ngamnye kunyaka, kunye nokutshintshwa okukhawulezayo kwi-akhawunti yakho yokutshala imali.
Sebenzisa imali yakho: Uninzi lwama-akhawunti luza nekhadi lokubhadela , incwadi yokuhlola, kunye neenkonzo zokuhlawula i-bill ye-intanethi . Ngenxa yoko, basusa yonke imfuno yokugcina i-akhawunti yokujonga.
Fumana inzala: Inkokhelo yokuphathwa kwemali ihlawula inzala, nangona unako ukukwenza ngcono kwiibhanki ze-intanethi. Kodwa ukuba unciphisa imali engenakudla kwaye usebenzise utyalo-mali lwexesha elide kwiinjongo zakho zexesha elide, inzala yenzalo ayinakuchaphazeleka. Kulula ukudlulisela imali kwi-akhawunti yokugcina i-intanethi ukuba ufuna ukufumana ngaphezulu.
Kufuneka-ube neempawu
Uninzi lwamakhawunti olawulo lwemali unikeza iinkalo ezisisiseko ezifana nekhadi lokukhangela lokukhulula kunye nokubhala okungapheliyo. Kodwa ezinye iifemu ziya ngaphaya nangaphezulu nge-add-on stellar.
Izaphulelo ze-ATM: Ukuba uhamba ngeenxa zonke, khangela i-akhawunti yokulawula imali kunye nezihlawulelo ze-ATM. Abanye ababoneleli banciphisa isaphulelo kwii-ATM ze-US okanye amanethiwekhi athile, ngelixa abanye babuyiselwa phantse zonke iindleko ezihlobene ne-ATM emhlabeni wonke.
Ukufikelela okulula: Buza malunga nemirhumo yenyanga kunye neemfuneko zokulinganisela ibhalansi ukuvula i-akhawunti. Ngaphandle kokuba unamashumi amawaka eedola, ezinye izindlu zee-brokerage zingaphandle kombuzo-okanye ziya kuhlawulisa iintlawulo zenyanga.
Idiphozithi yefowuni: Uninzi lwamakhawunti olawulo lwemali lwamkela idiphozithi ngqo ye-pay yakho kunye ne-Social Security benefits, kodwa ngezinye izihlandlo ungadinga ukufaka isheke. Ngokukodwa xa kungekho sakhiwo sendawo, iifowuni yakho yeselula ilula . Ngaphandle koko, kuyakufuneka ufake iposi.
Izilumkiso ezincedisayo: Hlalani ngokukhawuleza kwinto eyenzekayo kwiakhawunti yakho. Ukuze ugweme iintlawulo ezingekho phantsi okanye ukuhlawula isheke, qalisa izilumkiso zokukuxelela xa ibhalansi yakho ye-akhawunti ihla kakhulu. Ukuthintela ubuqhetseba ngokufumanisa malunga nokurhoxisa okukhulu ngokukhawuleza.
Ukuqhagamshelana neebhanki zangaphandle: Mhlawumbi ufuna ukugcina ezinye iibhanki zivulekile, kwaye kubalulekile ukuba ukwazi ukuhambisa imali lula. Ngokomzekelo, imali engaphezu kwemali ingaya kwi-akhawunti yebhanki kwi-intanethi ukufumana i- APY ephezulu, kwaye unokuba ufuna i-akhawunti yasebhanki yendawo yokuphatha imali kunye nebhokisi lokuposa .
I-inshurensi ye-FDIC: Ababoneleli ngeakhawunti yokuphatha i-Cash ngokuzenzekelayo "bayasula" imali yakho engasetshenziswanga kutyalo-mali ohlawula igalelo okanye inzala. Ukuba ukhuseleko lubaluleke kuwe, uphando nokuba ngaba abo bachithanga ama-akhawunti baxhasiwe yi-FDIC.
Le nkqubo eqinisekisiweyo karhulumente ikukhusela xa ibhanki eliphethe imali yakho lihamba ngesisu.
Kuphi ukuvula iAkhawunti
Ukuba i-akhawunti yokuphathwa kwemali ibhenela kuwe, vula i-akhawunti kunye nekranki ye-brokerage oyikhethayo. Qala ngokubuza amaziko osele usebenza nawo-kufuneka kube lula ukufaka i-akhawunti entsha, kunye neendawo zakho ezikhoyo kunye nelo qumrhu lingakunceda ukwazi ukufumana iimpahla ezingaphezulu.
Ukuba uqala ukususela, iAkhawunti yoLawulo lweCash Fidelity ufanelekile ukujonga. Le ngxelo iyafumaneka ngaphandle kweyona mali encinci, kwaye akukho mali-yenyanga-kodwa ininzi lwabagadi beehashe kumakhasimende aphezulu. Uza kufumana isaphulelo kuzo zonke iindleko ze-ATM emhlabeni jikelele (ngaphandle kwemali yokuthengiswa kwamanye amazwe), kwaye ukuthembeka kubandakanya zonke iimpawu ezifunekayo ezichazwe ngasentla. Njengobhonasi, unokwenza iintlawulo zemali kwi-akhawunti yakho usebenzisa i-Apple Pay, kwaye unokufaka isicelo somvuzo wekhadi lesikweletu ebeka imali engakumbi kwi-akhawunti yakho yokuphatha imali.
Kuthiwani Ngeebhanki?
Iingxelo zokulawula i-Cash zixhobo zokunceda ukuphathwa kwemali. Ukuqonda ukuxhamla kunye neqhinga, kunokunceda ukuthelekisa le akhawunti efana neebhanki kwiibhanki eziqhelekileyo kunye neemanyano zeentengo zemboleko.
Inkcazo ye-FDIC: Amabhanki ngokukhawuleza anciphisa i-inshurensi ye-FDIC ukuya kuma-250,000 kwi-depositist nganye kwiziko. Imanyano yemboleko isebenzisa i- inshurensi ye-NCUSIF , ekhuselekileyo. Kodwa abanikezeli bemali abanokubhengeza imali banokusasaza ipahla zakho phakathi kweebhanki ezininzi, ukwandisa ukufumaneka kwakho okukhoyo (ngelixa unesitatimende esisodwa ukujongana nayo). Qaphela ukuba imali kwi-akhawunti ye-brokerage ayikho i-insured-FDIC-inokuthatha iintsuku eziliqela ukuze imali yakho iguqulwe, kodwa i-inshurensi ye-SIP ingayifaka i-akhawunti yakho yomrhwebi.
Ubukho bendawo: Iindlu ezininzi zeentengiso zinawo amasebe asekuhlaleni. Ukuba zenzayo, ezo ofisi aziklanyelwe iimfuno zebhanki eziphezulu. Kungaba luncedo ukugcina i-akhawunti kunye nebhanki yendawo okanye umanyano weentengo zemali kwiinkonzo zomntu.
Ubuncinane bempahla: Nangona ezinye iifenki zokurhweba zingenazo ubuncinci, ezinye zifuna iimpahla ezibonakalayo. Ngokomzekelo, ungadinga i-$ 25,000 ukuqala ukusebenzisa ulawulo lwemali. Iibhanki ze-Intanethi zivula rhoqo ii-akhawunti ezingekho mfuneko yokulinganisela ibhalansi .
Imirhumo ye-ATM: Ibhanki ziyaziwayo ngokuba zihlawule iirhafu ze-ATM. Udla ukuhlawula iifizi kumnini we-ATM, kwaye ibhanki yakho inokuhlawula imali eyongezelelweyo yokusebenzisa i-ATM yangaphandle. Iifayile zokurhweba zihlala zihlawulela ezo ntlawulo okanye zinikezela ukufikelela kumanethiwekhi amaninzi amaninzi- mali .