Nasi isizathu sokuba Usadinga iAkhawunti yokuGcina iMveli
Iingenelo zeAccounts Savings
I-akhawunti yokugcina mhlawumbi enye yeendidi zokuqala ze-akhawunti zebhanki oza kuba nazo.
Mhlawumbi nangaphambi kwe-akhawunti yokujonga. Ngenye yeakhawunti ezilula kwaye zichanekileyo unakho. I-akhawunti yokulondoloza ikuvumela ukugcina imali ngokukhuselekileyo ngebhanki eqinisekisiwe okanye umanyano wekhredithi kunye ne-$ 25 ukuvula.
Nangona imali ingenako ukufikelela kufumaneka kwi-akhawunti yokulondoloza ngokubhekiselele kwi-akhawunti yokukhawulela, kuseyinto ekhoyo yempahla apho ufikeleleke ukungena. Kodwa inqaku elichaziweyo kwi-akhawunti yokulondoloza kukuba unokufumana inzala ethile. Nangona ukubuyiswa kukuncinci, kuninzi imali leyo eya kuzuza kwi-akhawunti yakho yokujonga kwaye isabonakala ngokulula kunokuba ingafakwa kwisinye isithuthi njengeSatifikethi seDistim (CD) okanye enye ukhuseleko njengempahla.
Ukongezelela, ukugcinwa kwee-akhawunti ngokuqinisekileyo kuyindawo ekhuselekileyo yokugcina imali, ukuya kuma-250,000 kwi-akhawunti nganye kwi-bhanki yi-FDIC insured. Kodwa ekutshintshiseni kwinqanaba elikhuselekileyo lekhuseleko, ngokuqhelekileyo unika nayiphi na ithuba ithuba lokufumana imali ebonakalayo kwaye kunoko ufumene inqanaba lomyinge onomdla kwi-akhawunti yakho yokulondoloza.
Amabhanki amaninzi anika i- akhawunti yokugcina imali ephezulu ekukhuliseni amaxabiso athile anomgangatho wenzalo. Ngamazinga enzala asemandulo kumanqanaba angaphantsi kwamazinga aphakathi kwakho ufuna ukuthelekisa ivenkile ukufumana i-akhawunti engcono kwiinjongo zakho.
Ukuba ukhangele i-akhawunti yokulondoloza ukukunceda ufinyelele iinjongo zenkxaso-mali eziphuthumayo unokufumana ukuhlaziywa kwamanye ama-akhawunti athandwayo ngamaphepha axhumene ngezantsi:
- IiRhafu zeNkcazo zeNgcaciso zeAkhawunti eziPhezulu
- I-Banking 101
- IiBlogs zeBhanki kunye neMiphakathi
- Kuphi ukuvula iAkhawunti yokuSindisa yamahhala
- Banking
- IiAkhawunti zeDispositi (ibhanki yophando kunye ne-akhawunti yemanyano yekhredithi
IiAkhawunti zokuSindisa zeMali eziPhezulu
Ukugcinwa kwe-akhawunti kugcina ukubaluleka kwazo kuzo zonke izigaba zobomi bakho ngenxa yokuba kuhlale kunzima ukukhuseleka, kulula ukufikelela kwimali ebekwa bucala ngenxa yezoxakeka . Abaninzi bamacwangcisi bezimali bancoma ukugcina ubuncinane ubuncinane beenyanga ezi-3 ukuya kwezi-6 zeendleko zokuphila ezisisiseko kwi-akhawunti eyahlukileyo kwi-check your day. Nangona kunjalo, izinga lakho lokuthuthuzela ngokulondoloza ngongxamiseko kunokubiza umnxeba wexakeka ogqityiweyo ogqithise ukulinganisela kwe-ballpark. Ingxamiseko ingenzeka nakweyiphi na yezizathu ezininzi kuquka ukulahleka kwemisebenzi, ingozi yemoto (ukuhlawula i-deductible), umcimbi wezokwelapha (unokutsalwa kwakhona), okanye ukulungiswa kwekhaya okungalindelekanga. Xa ufuna imali ngokukhawuleza, awufuni ukuba ufake ixabiso kwikhadi lesikweletu. Kananjalo awufuni ukufuna ukuthengisa i-stock okanye omnye utyalo-mali ongenako ukuza kunye nemali efunekayo. Emva kwakho konke, akunakwenzeka ukuba uphinde uceba ukuthengisa utyalomali ochaphazelekayo ngomhla othe wathengisa ngawo.
Mhlawumbi into ebaluleke kakhulu yokuba ne-akhawunti yokugcina imali ngaphambi kokuthatha umhlala-phantsi kukuba ukuba khona kweengxowa-mali yongxamiseko kwi-akhawunti yokulondoloza kukuvumela ukuba ulondoloze enye imali ngokugqithiseleyo ngomhlalaphantsi ngexesha lomsebenzi wakho kunokuba ungenjalo.
Emva koko xa uthatha umhlalaphantsi, i-akhawunti yokulondoloza ikuvumela ukuba ulale ubusuku ngobuninzi ukwazi ukuba ulungele ukungalindelekanga.
Iintlobo zeeAkhawunti zokuSindisa
Namhlanje kukho ezininzi iintlobo zokulondoloza ama-akhawunti anikezelwa kumaziko ebhanki. Unokuba ne-akhawunti yokulondoloza edibene ne-akhawunti yakho yokujonga okanye unokuba ne-akhawunti yokulondoloza kunye nebhanki esebenza kuphela kwi-intanethi. Sincoma ukuphonononga izikhetho zakho ukufumana okulungileyo kuwe. Ngaba kubaluleke kuwe ukuba imali yakho yokugcina imali kunye nokuhlola iikopi kubanjwe kwibhanki elifanayo ukuvumela ukuhanjiswa okungaxilwanga kunye nokukhawuleza? Okanye ngaba uya kukulungela ukushiya ibhanki yezitena kunye nomdaka onokukhethwa kukho kwi-intanethi enika inzala ephezulu? Okukhethiweyo kukukho.