Kubantu abangaphantsi kweminyaka eyi-18, ukuvula i-akhawunti yebhanki kunzima. Ingxaki kukuba kufuneka usayine isivumelwano sokuvula i-akhawunti, kwaye izivumelwano ezitywinwe ngabantwana ziyanzima.
Kwiimeko ezininzi, umncinci uya kuba kwindawo engcono kunebhanki (ukuba kukho impikiswano). Ngenxa yoko, iibhanki aziyi kuvulwa iakhawunti kumntu ongaphantsi kwe-18 ngaphandle kokuba kukho umntu omdala kwi-akhawunti.
Amava kunye nokuzimela: Abancinci akufuneki babekho ngokupheleleyo ngaphandle kwenkqubo yebhanki. Kukho iindlela ezininzi zokuvula i-akhawunti yomntu oneminyaka engaphantsi kwe-18, kwaye abantwana banako ukusebenzisa i- akhawunti yebhanki kwezinye iimeko. Ukuzikhulula ngemali kubalulekile ubuchule obuya kuhlawula ubomi, kwaye bubonelela ngokuzimela kubantwana abanoxanduva.
Ukulondoloza ikusasa: Ukuba abazali bafuna ukuvula nokulawula iakhawunti ukubonelela ngeendleko ezizayo, kulula ukwenza njalo. Unako ukuvula ii-akhawunti zentsana.
Iinkcukacha zale akhawunti zihluka ukusuka kummandla ukuya kwilizwe kwaye zisuka kwiibhanki ukuya kwibhankini (ngoko cela isebe leenkonzo zebhanki lakho kwiinkcukacha ezithile), kodwa izisombululo eziqhelekileyo zichazwe ngezantsi.
IiNgxelo ezihlangeneyo
Ukuba injongo yincinci ukusebenzisa i-akhawunti (ukwenza idizithi, ukurhoxiswa, kunye nokuthengwa ngekhadi lokukhangela , umzekelo), i-akhawunti edibeneyo iya kwenza inkohliso. Vula nje i-akhawunti kunye nomntu omdala omnye njengomnini we-akhawunti. Le ngxelo ingaba yi-akhawunti edibeneyo ye-vanilla, okanye i-akhawunti eyenzelwe isihlwele esingaphantsi kwe-18.
Uninzi lwama-akhawunti athengiswa ngokuba "iibhanki zebhanki zezingane" ziza kwifom yee-akhawunti ezidibeneyo, nangona zihamba ngamagama ahlukeneyo:
- Ukuhlola iAngxelo zeNtsha
- IiNgxelo zoLondolozo lweNtsha
- I-Looney Tons Accounts
- Iqela le Savings
- Ukuhlola Abafundi
Kwezinye iimeko, umntu omdala ufuna ukuba ilungu losapho okanye umgcini wezomthetho, kodwa ezinye iibhanki zivumela umntu ukuba abe ngumnikazi odibeneyo (i- Capital One 360 , umzekelo).
Iingozi ze-akhawunti ezidibeneyo: Nge-akhawunti edibeneyo, ngamnye umnini-akhawunti unakho ukufikelela kwi-100% kwimali, ngoko ke umntu omdala okanye umntwana angayigxotha i-akhawunti aze ahlawule imali ye-overdraft (ngaphandle kokuba ibhanki ingavumeli oko umntwana angakwenza). Gcina loo nto engqondweni ngaphambi kokumisa umntanakho ngokukhululeka nge-balance balance. Ukuba uncinci, kubalulekile ukwabelana nge-akhawunti kuphela nomntu omdala onokumthemba ngokuqinisekileyo - awufuni ukuba imali yakho eyimali enzima ilahleke.
Ukuhlala unolwazi (okanye ekulawuleni): Kungcono okanye ngaphezulu, ezi ngxelo zingabinempawu ezigcina abantu abadala besazi malunga nomsebenzi kwi-akhawunti. Abazali bangafaka isicatshulwa okanye izaziso ze-imeyile , kwaye banokukwazi ukusetha umda wokuchitha imali kumakhadi e-debit ukuba i-overspending iyinkxalabo.
18 ubudala? Qiniseka ukuba ubuze ibhanki yakho okwenzekayo xa umntwana encinane efikelela kwiminyaka eyi-18. Ukuba kukho izithintelo kwizinto ezincinane ezenzayo (ukuba babengenako ukwenza i-retraitals, umzekelo), izinto zingatshintsha-kwaye uya kufuna ukwazi ukuba ngaphambili kwexesha.
Ngokufanayo, nawuphi na umrhumo wokuhlawula imali oya kutshabalala (kodwa unokuba wongezelela ukuba umntu omdala uba ngumfundi). Ukuba umntwana ufuna i-akhawunti yakhe, unokuzama ukususa "umntu omdala" kwi-akhawunti okanye uvule i-akhawunti entsha xa umncinci uphendukela kwi-18.
IiAkhawunti zokuKhusela
I-akhawunti yokulondoloza yinto enye. Eyaziwa ngokuba yi- UGMA okanye i-akhawunti ye-UTMA , ezi ngxelo zincedo xa umntwana omncinci angayi kubandakanywa nokuphathwa kwemali. Akunabo abantwana ukuba basebenzise , kodwa basetyenziselwa inzuzo yabantwana.
Ngenzuzo yomntwana: Iimali kwiakhawunti yokugcinwa kwemali zingezantsi kumntwana, kwaye nayiphina idiphozithi eyenziwe kwi-akhawunti yisipho esingenakuguquka. Umntu omdala kufuneka enze izigqibo (nokuba ungathengi iCD okanye ungathengi i-CD) kwaye uphathe i-logistics (yenza idizithi kunye nokuhoxiswa), kodwa imali ingasetyenziselwa kuphela inzuzo yomntwana.
Ngamanye amagama, umntu omdala akakwazi ukuzithengela izinto zokunethezeka, kuba oko bekuza kuba ukweba kumntwana. Ukuhlawula imfundo encinane okanye ukuthenga imoto, ngakolunye uhlangothi, mhlawumbi iindleko ezamkelekileyo.
18 ubudala? Kwenzeka ntoni xa umntwana encinci efikelela kwininzi (18 kwiindawo ezininzi, kodwa zikhona izinto ezimbalwa)? Nayiphi na imali kwi-akhawunti yokulondoloza "yinto encinci." Xa sele esemdala, unako ukwenza nantoni na ayifunayo nayo - nantoni na evela ekutyalweni kwemfundo ukukhawuleza kwaye ukuvuthela ngeveki.
Kuphi ukuvula iAkhawunti
Phantse nayiphi na ibhanki okanye inyunyana yekhredithi iya kunika ii-akhawunti ezichazwe ngasentla, ngoko kuya kufuneka ukuba uthengise iimpawu ezibaluleke kakhulu kuwe. Khangela iifizi eziphantsi (okanye ezingekho), umrhumo wenzalo okhuphisanayo, kunye neziko elisebenza lula. Ukuba awufumani nantoni na indawo, ibhanki ye-intanethi yinto enhle .
Akhawunti zeMfundo
Ukongeza kwi-akhawunti yebhanki, kukho iingxelo ezininzi ezifumaneka ngokukodwa kwiindleko zemfundo. Ezi ngxelo zinokufumana iinzuzo zerhafu (khangela umcebisi wakho werhafu ngaphambi kokwenza nayiphi na iinqununu), ngoko banako ukunciphisa umthwalo wokuhlawula isikolo.
Izicwangciso ze-529: Izicwangciso zokulondoloza iikholeji zivumela ukuba wenze igalelo kwi-akhawunti kwaye, ekucingeni ukuba ulandele yonke imithetho efanelekileyo yerhafu, uchithe imali yerhafu kwimali ephakamileyo yemfundo. "Imfundo ephakamileyo" ingabandakanya izikolo zorhwebo, amaziko angaphandle kwamaphandle, igumbi kunye nebhodi, kunye nezinye iindleko kwiikholeji okanye esikolweni. Unokwenza igalelo elikhulu kule akhawunti , ngoko ke yindlela enamandla yokugcina ixesha elizayo.
I-akhawunti ye-Coverdell yokulondoloza imfundo (i-ESA): Kweminye iindleko zemfundo, ezifana nokufundiswa kwesikolo esikolweni sasisiseko, i-ESA inokukunceda ukwakha iimali ozifunayo. Ezi ngxelo zinokusetyenziswa kwiikholeji. Nangona kunjalo, akusiwo wonke umntu ofanelekileyo ukuba abe negalelo kwi-ESA, kwaye umrhumo wonyaka ophezulu ungezantsi - ngoko kuya kufuneka uqale ekuqaleni.
Amakhadi ahlawulwe?
Ukuba injongo ephambili kukuba umntwana ukuba ahlawule ngeplastiki, amakhadi ahlawulwe kuqala enye inketho . Nangona kunjalo, amakhadi ahlawulwe ngokukhawuleza ayabiza kakhulu, kwaye awaniki eninzi ukuba i-akhawunti yokujonga ayikwazi ukunikela. Ibhanki ingxelo kubantwana kunye nabantwana bavame ukuza neemali eziphantsi (okanye ukuhlawulwa kwemali elula ukufaneleka), ngoko ke, ukufumana ingxaki engcono ngekhadi elihlawulwa kuqala.
Iingxowa zerhafu ezibalulekileyo nezoMthetho
Kungakhathaliseki ukuba usebenzisa i-akhawunti edibeneyo okanye i-akhawunti yokuphepha, kubalulekile ukuqwalasela impembelelo kunye nomthetho. Thetha nomcebisi werhafu wengingqi ukuba ufumane oko ungalindela ngohlobo ngalunye lwe-akhawunti; usenokufuneka ujongane neerhafu zesipho, imiba yeendawo, "i-kiddie" irhafu, kunye nezinye iingxaki. Ukongezelela, igqwetha lendawo lingakunceda uqonde naziphi na iingcingo zomthetho. Ngokukodwa xa kubandakanywa imali eninzi, ixesha lakho lisetyenziswe kakuhle xa uthetha nomcebisi weengcali. Usenokufumana ukuba i- trust (kunye neakhawunti ehlobene) iya kusebenza kangcono.
Uncedo lwabafundi: Ngaphandle kwemicimbi yerhafu neyezomthetho, ukusebenzisa ezi ngxelo kungathintela amandla omntwana ofanelekileyo okufumana uncedo lwabafundi. Ukuba unenkxalabo malunga neendleko zemfundo, thetha kunye neengcali ngemali ngemfundo.