Iintlawulo kunye nokuFika
Iimali zeemarike zemali, njenge-akhawunti yokulondoloza, uhlawula umdla. Ziyindawo ekhuselekileyo yokugcina imali ngenxa yokuba i- FDIC iqinisekisiwe okanye, kwimeko yemboleko ye-credit, i- NCUSIF i-insured .
Ngokuqhelekileyo uza kufumana ixabiso lentlalo engcono kwi-akhawunti yemarike yemali kunokuba uza kufumana kwi-akhawunti yokugcina imali, ngokukodwa ngamabhalansi amakhulu e-akhawunti, ngoko zihlala ziphakathi kwesatifiketi se-deposit (CD) kunye ne-akhawunti yokugcina xa ufika ekufumaneni amandla.
Njengokujonga i-akhawunti, i-akhawunti yemarike yemali yenza kube lula ukufikelela kwimali yakho. Uninzi lwama-akhawunti likuvumela ukuba ubhale amasheke okanye uhoxise imali, kwaye abanye banikeze ikhadi lokukhwabanisa elingasetyenziselwa ukuthenga. Olu fi kelelo olulula, oludibaniswe nenqanaba lomdla wokukhuphisana, yinto eyenziwa ngeengxelo zeemarike zemali eziqhelekileyo. Kwiminyaka yakutshanje, umvuzo wokuhlolisisa, i- akhawunti yokutshekisha umdla , kunye neebhanki ze-intanethi ziye zaziwa kakhulu kwaye zinikezela ngezibonelelo ezifanayo, kodwa ngamanye amaxesha uzakufumana intle engcono kwi-akhawunti yemarike yemali.
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Iimali zeemarike zemali zinemisebenzi ebalulekileyo, kodwa kufuneka uqaphele izinto ezimbalwa ngaphambi kokuvula i-akhawunti.
Imilinganiselo emancinci: Iimali zeemarike zemali zisoloko zifuna ibhalansi encinane kakhulu. Ngokubanzi ungavula i-akhawunti yokulondoloza, ingakumbi i-akhawunti yokugcina i-intanethi, kunye ne-deposit encinci, kodwa i-akhawunti yemarike yemali inokufumaneka kuphela ukuba ubuncinane ubuncinane be-$ 2,500 ukufaka kwi-akhawunti.
Ukuba ibhalansi yakho ye-akhawunti iwela ngaphantsi kweyona nto ibincinci, lindele ukuhlawula imali yenyanga, eyayidla ukubuyela kwakho.
Imida yokuthengisa : Unako ukufikelela kwimali kwi-akhawunti yemarike yemali, kodwa kukho imida. Ngeke ukwazi ukwenza iintlawulo ngekhoksi yakho okanye kwikharityhulam ye-debit ngaphezu kweesithandathu ngeenyanga ngomthetho, kwaye ezinye iibhanki zivumela kuphela iintlawulo ezintathu ngenyanga. Unako ukurhoxisa imali ngokukhawuleza njengoko uthanda, kodwa ezi ngxelo aziyiziguquko njengoko i-akhawunti yakho yokujonga xa ifika ekusebenziseni imihla ngemihla.
Ukhetho olufanelekileyo? Iimali zeemarike zemali zixhobo esikhulu, kodwa kungenzeka ukuba asiyiyo ithuluzi elifanelekileyo kwiimfuno zakho. Ngaba unokufumana ngaphezulu ngokusebenzisa iiCD? Ukuba usebenzisa uchungechunge lweCD olubizwa ngokuba yi- CD ephezulu , ungayifumana imbuyekezo efanelekileyo xa ugcina enye yemali yakho-kunye neyona nto iya kuba yintsholongwane ngokukhawuleza- kunye nokunciphisa isohlwayo sokuthoma.
Ukuba utyalomali kwixesha elide, thetha nomcwangcisi wezemali malunga naluphi uxube lwentyalo-mali lunokukunceda kakhulu ukufikelela kwiinjongo zakho.
Ngaba ikhuselekile? Ukuba ufuna ukukhuselwa, qiniseka ukuba usebenzisa i-akhawunti yemarike yemali kwi-bhanki okanye kwimanyano yemboleko, eya kuqinisekisa imali yakho. Musa ukudibanisa la ma-akhawunti ngeemali zentengo yemarike yemali, eneendawo zazo, kodwa ayifani into efanayo.
Buza ibhanki yakho okanye inyunyana yekhredithi ukuba uqinisekise ukuba imali yakho iqinisekisiwe, kwaye ugcine idipozithi zakho zingaphantsi kwemida ephakamileyo.
Isicelo Esihle
Iimali zeemarike zemali zisebenziseka ngemali onokuyidinga kwikamva elikufutshane. Ziyakuvumela ukuba ufumane umvuzo omncinci ngelixa ugcina imali ikhuselekile kwaye ifumaneka. Ziluncedo ngakumbi kwiindleko ezinkulu, ezingapheliyo ezifana:
- Imali engxamisekileyo
- Uhlahlo lwabiwo-ntlawulo ngekota
- Isifundo
Kwakhona, oku akuyona indawo efanelekileyo yokugcina imali ngeendleko eziqhelekileyo ngenxa yemida ekungakanani iintlawulo ezisekelwe kwi-check-basis. Oku kuthethi, unokugcina iimali ezimbalwa zeendleko zakho zenyanga, ezinjenge-mortgage yakho, kwi-akhawunti yemarike yemali ukuze ufumane inzala engakumbi.
Iimali zeeMali zeMarike kunye neeMali zeMali zeMali
Imali yemarike yemali ayikho into efanayo ne-akhawunti yemarike yemali.
Iimali zeemarike zemali zixhaswa ngeemali ezizithengayo, kwaye kunokwenzeka ukuba ulahlekelwe yimali ngokusebenzisa imali yemarike yemali. Abaqinisekanga yi-FDIC okanye i-NCUA njengama-akhawunti akho agcinwe ebhanki okanye kwimanyano yekhredithi. Iimali zentengo yemarike yemali ziza kuvela kwiintlobo ezininzi kwaye zibonelele ngeenzuzo zerhafu, kodwa i- akhawunti yemarike yemali ikunika ukhuseleko.