Umyalelo Wemali Nendlela Osebenza Ngayo?
Nokuba uthengisa okanye uthengisa into ethile, umyalelo weemali unokuba yindlela ekhethekileyo yokukhetha (okanye ukhetho lwakho kuphela) ngenkokhelo. Baye bathathwa njengendlela ekhuselekileyo yokuhlawula, okwenza kube yindlela ekhethiweyo yokuhlola. Kodwa kubalulekile ukuqonda ukuxhamla kunye nokuxhamla kokusebenzisa i-oda-mali xa ezinye iindlela zokuhlawula zikhethwa kakuhle.
Yintoni iMyalelo weMali?
Umyalelo wemali ngumqulu wephepha, ofana nesheke, esetyenziselwa ukuhlawula.
Iimali zemali zihlawulwa, ngoko ke zikhutshwa kuphela emva kokuba umthengi ehlawula umyalelo wemali ngemali okanye enye ifomu yemali eqinisekisiwe.
Iimali eziqinisekisiwe: Ngenxa yokuba abathumeli bafuna ukuhlawulwa phambili, i-oda zeemali zibhekwa njengendlela ekhuselekileyo, okanye "eqinisekisiwe," yokuhlawula. Akufanele baxhamle- njengokwenziwa kohlolo lomntu siqu .
Umvuzo othe ngqo: Igama lomntu ohlawulwayo (ummkeli we-oda lomrhumo) kunye negama leziko lemali elikhupha umyalelo wemali liya kubonakala kuyo yonke imirhumo yemali. Xa uthengela umyalelo weemali , uza kucacisa ukuba ubani omele afumane iimali ngokugcwalisa kwigama lomntu okanye inhlangano ofuna ukuyihlawula. Oku kwenza kube nzima ukuba amasela athabathe isixhobo kwaye athathe imali.
Iingozi: Qaphela ukuba ngamanye amaxesha umyalelo weemali usetyenziswa kwiidlwengulo , kodwa zisetyenziselwa iinjongo ezifanelekileyo. Siza kuqwalasela iinkcukacha ezininzi eziqhelekileyo ngezantsi.
Kuphi ukuthenga: Iimali zemali zifumaneka kwimithombo emininzi, kuquka:
- Iipasitrakethi kunye nezitolo ezilula
- Amabhanki kunye neemanyano zematyala
- Hlola ukuhlawula imali, ukutshintshwa kwemali, kunye nokuthengwa kwemali mboleko
- IiUnited States zeeposi
Ukufumana iinkcukacha ezithe vetshe, funda phi ukufumana iMali yeMali .
Indlela yokuthenga: Ukuthenga umyalelo wemali, kuya kufuneka uhlawule ngemali eqinisekisiwe.
- Intlawulo: Ebhanki yakho, unokudlulisela imali kwi-akhawunti yakho yokujonga okanye yokugcina imali. Kumthengisi, uya kuhlawula ngemali, ukuthengiswa kwekhadi lokukhishwa kwemali usebenzisa i-PIN yakho, okanye ukuhamba kwangaphambili kwemali kwikhadi lakho lesikweletu. Qaphela ukuba ukunyuka kwekhadi lekredithi kuyindleko kuba uhlawula iimali ezongezelelweyo kunye neerhafu zemali ephezulu kulezo zilinganiso , ngoko uzama ukuphepha loo ndlela.
- Inani kunye neentlawulo: Xelela umniki-myalelo weemali ukuba ungathanda umyalelo weemali, kwaye baya kuprinta incwadi kuwe. Uya kufuneka ubhale egameni lomvuzo wakho kumgca othi "Bhatala umyalelo." Bona imiyalelo ecacileyo yokugcwalisa imali ngokuchanekileyo.
- Gcina iirekhodi: Gcina iirisithi yakho kunye naziphi na iinkcukacha malunga nokuthenga kwakho. Ukuba kukho into engalunganga, uya kufuna loo ngcaciso ukulandelela okanye ukukhansela umyalelo weemali .
Iindleko: Lindela ukuhlawula umrhumo omncinci wokufumana umyalelo wemali. Amaxabiso aphantsi kakhulu kwiivenkile kunye nezitolo ezilula-malunga ne-$ 1 okanye njalo ngomyalelo wemali. Amabhanki kunye neemanyano zemboleko zihlala zihlawula i-$ 5 ukuya kwi-10. Ukuze uthole iinkcukacha ezingaphezulu kwiimirhumo, bona uluhlu lweendawo ezinexabiso .
Iimali zokuthengwa: Iimali zemali zinomlinganiselo ophezulu, rhoqo u-$ 1,000 ngomyalelo weemali. Oku kwenza ukuba bakwazi ukuthenga amancinci, kodwa ukuba ufuna ngaphezulu koko, ungathengisa iindleko ezininzi zemali (kwaye uhlawule imali eninzi). Ngenye indlela, ungasebenzisa enye indlela njengetshekhi yomthengisi .
Ukufumana imali: Ukuba ufumana umyalelo wemali, unako ukuyifaka okanye uyifake njengesheke. Ukwenza njalo, uvuma ngokubanzi umyalelo weemali ngokusayina igama lakho. Kungcono ukwenza imali yeemali kwiindawo ezifanayo abathengwa kuzo (iWestern Union okanye ideskram yeMoneyGram, okanye ibhanki okanye inyunyana yekhredithi eyabakhupha).
Ukuba awuyidingi imali njengamanje, kulungile ukufaka imali kwi-akhawunti yebhanki ukuze ugcinwe ngokukhuselekileyo.
Kutheni Usebenzisa iMali Yomyalelo?
Imiyalelo yemali yenye yeendlela ezininzi zokwenza iintlawulo. Ngoko yintoni eyenza ingqiqo yokusebenzisa umyalelo wemali?
Eyona ndlela eya kwimali: Umyalelo weemali unokuhlawulwa kumntu othile, okunciphisa umngcipheko woba. Ukuba umyalelo wemali ulahleka okanye ubiwe, unokuwukhansela uze ufumane indawo.
Ukuba ulahlekelwa yimali, uye wahamba kakuhle. Ukusebenzisa imali ngemali kuyingozi kakhulu, ngoko ke umyalelo wemali uyinto enhle xa uthumela intlawulo. Ingakumbi, unokulandelela intlawulo kwaye ubonise ukuba ummkeli wakho uhlawulwe ngokwenene.
Ayikho i-akhawunti yebhanki efunekayo: Ukuba unayo i-akhawunti yasebhanki-nokuba awufuni ukuba omnye okanye awukwazi ukufumana imigaqo-mali enye, unokuba yindlela ekhethekileyo yokwenza iintlawulo.
Unokuhlawula iindleko ezifana nezibonelelo zetyala, ii-premiums zorhwebo, kunye neendleko zefowuni kunye neemali zenyanga nganye. Nangona kunjalo, iindleko zokuthenga i-oda zemali zongeza. Le ndleko, kunye nexesha elithathayo ukuthenga i-oda zemali inyanga emva kwenyanga, kunokushukumisela ukuba uvule i-akhawunti yasebhanki yendawo .
Gcina ulwazi lwakho luyimfihlo: Xa ubhala isheke, isheke liqulethe ulwazi olubukhali. Ngokomzekelo, ukuhlola kukubonisa idilesi yakho yasekhaya, inombolo yefowuni, iinombolo ze-akhawunti yebhanki , kunye namagama abo nabani na abanikazi be-akhawunti abambene (njengomlingane okanye iqabane lakho, ukuba kukho). Ukuba awukwazi okanye uyamthemba umntu ohlawulayo, umyalelo wemali ufihla loo ngcaciso.
Okufunekayo ngumthengisi: Abanye abathengisi bafuna ukuba uhlawule ngemali. Abafuni ukuthatha ithuba lokwamkela isheke , kwaye kuyaqhelekile ukuba ucele i-oda yemali. Isheke lokukhangela i-cashshi liza kunika ukhuseleko olufanayo, kodwa iindleko zemali zibonakala zikhethwa, kwaye zibiza kakhulu kubathengi.
Thumela imali phesheya kwamanye amazwe: Ukuba ufuna ukuthumela imali ngaphandle kwamanye amazwe , iindleko zemali yindlela ekhuselekileyo kwaye engabizi ukwenza njalo. Ummkeli angakwazi ukuguqula umyalelo weemali kummandla wendawo, kwaye ii-oda ze-USPS zemali ziqwalaselwa kakuhle kumazwe amaninzi kwihlabathi jikelele.
Eminye imiGaqo yeMali
Imiyalelo yemali ayiyindlela ephela yokuhlawula. Ezinye iinketho zinikela ngemali "eqinisekisiwe", kwaye ezinye zikhuselekileyo kunokuba zikhokhwe imali.
Uhlolo lweeCashier lifana nemirhumo yemali. Zibini zincwadi zamaphepha ezikhutshwe kwintlawulo ethile kwaye ziqinisekiswe ngumniki. Nangona kunjalo, iibhanki kunye neemanyano zemali-mboleko zikhupha i-cashier's checks -iyo iindawo ezithengisayo kunye nezitolo zemali. Kwakhona, ukuhlolwa kwee-cashshi kuyatholakala kwixabiso elingu-dollar elincinci, ngoko ke kukukhethwa ngcono kwiintlawulo ezinkulu. Funda kabanzi malunga nokuhlolwa kwamashishini athengiswayo nemali yemali .
Ukudluliselwa kwetranshini kuhanjiswa kwe-elektroniki yeemali eziqinisekileyo. Kwakhona, abathengisi banokuqiniseka-banokuzithemba ngakumbi kunokuba bafumana i-oda-imali yokuba bahlawulwa. Ukutshintshwa kwefowuni kubiza kakhulu (malunga ne-$ 35 kumaxesha amaninzi) kwaye kuninzi kunzima, kodwa abanako ukukhwabanisa okanye ukukhanselwa njengemilayezo yemali. Funda kabanzi malunga nokudluliselwa kwentambo ukuthumela imali .
Iintlawulo zekhompyutheni zeemali ezingaqinisekanga nazo zikhethwa. Ukuba uhlawula iindleko, inkonzo yakho yentlawulo yebhanki ye-bhanki ingathumela imali malunga naphina-ngokuqhelekileyo inkululeko. Nangona ungenayo i-akhawunti yasebhanki, amaninzi amanqanaba okubhadela akhokhelwayo anikezela inkonzo enye , okanye unokuhlawula usebenzisa inombolo yakho yekhadi. Iinkonzo ze-intanethi kunye neenkqubo ziyakwazi ukuthumela imali (ngokukhethekileyo kuphela kubantu oba thembayo ) ngaphandle kokuhlawulwa.
Ukuhlolwa komntu , ngelixesha elidala, kudla ngokufanelekileyo. Abahlawuli banjengeenkampani zenkxaso kunye nabanikezeli benkonzo yefowuni basamkela ukuhlolwa kobuqu. Abathengisi be-intanethi kunye nabanye (njengabantu abangabaziyo ojongene nabo kwi-Craigslist) bangacela umyalelo weemali wokukhuseleko olongezelelweyo.
Jonga kwiScams
Iimali zemali ngokubanzi zibhekwa zikhuselekile, kodwa zingasetyenziswa ekukhwabaneni. Enyanisweni, ukucinga ukuba bakhuselekile yiyo kanye eyenza bafezekise ukukhwabanisa .
Ukujonga iiflegi ezibomvu eziqhelekileyo kuya kunceda ukuphepha ingxaki. Ukukhuseleka:
- Ungalokothi uthumele imali "eyongezelelweyo" kumntu ohlawula kakhulu nge-oda-imali ngokuqinisekileyo yinto yokugxekwa. Qaphela ukuba udlulisele imali eyongezelelweyo "kwiintengiso."
- Qinisekisa imali kwiyiphi na imirhumo yemali ongayithandabuzekiyo ngaphambi kokuba uyibeke kwibhanki yakho.
- Gwema ukuhlawula nabani na umyalelo weemali ukuba ucinga ukuba uya kufuneke uguqule inkokhelo. Ungakwazi ukukhansela i-oda yeemali kuphela ngaphambi kokuba zikhishwe.
Imida yeMimiselo yeMali
Ngoku ukuba uyazi izinto ezisisiseko, unokuyayiqonda into enokuyisebenzisa kunye nenkunkuma yokusebenzisa i-oda. Ezinye zeengxaki ezingundoqo zemali zichazwe ngezantsi.
Umda ophezulu: Iimali zeemali zikhutshwa ngokukhululeka kweedola ezili-1,000. Abanye abathumeli be-oda bamashishini basebenzisa umda ophantsi (umzekelo, ii-oda ze-USPS zeemali ziphela kuma-700). Ukuba inani lokuthenga lingaphezulu kwama-$ 1,000, uya kufuna iimali ezininzi zeemali. Emva koko izinto ziyanzima-kwaye zibiza njengezinye iindleko zokuhlawula.
Ukuzonwabisa: Iilawulwa zemali kulula ukuyifumana. Yiya nje kwidesksi yesevisi yabathengi kwivenkile okanye u tyelele isebe lasebhanki. Kodwa ezinye iindlela zokuhlawula zilula kakhulu ukusebenza. Ukuthenga umyalelo weemali, kufuneka ufumane imali, ulinde umgca, ulinde ummeli wenkonzo yabathengi (owenza konke okusemandleni akho) ukugqiba umthengi, kwaye ufumane umyalelo wemali kwi-imeyile. Uhlolo lomntu kunye neentlawulo zekhompyutha ziphelisa kakhulu okanye zonke ezo nyathelo.
Uthemba: Ininzi labantu bakholelwa ukuba i-oda ye-akhawunti ikhuselekile. Abathengisi balinganise kumnikezeli (esikhundleni somntu ngamnye) ukuhambisa imali. Nangona kunjalo, umyalelo weemali unokuphakamisa iiflegi ezibomvu kuba zihlala zisetyenziswa ukukhwabanisa. Kwezinye iimeko, imiyalelo yemali ayinqatshelwe, okanye ibangela umsebenzi ophezulu wokulawula kunye nokulibaziseka. Ngokomzekelo, amanye amaziko emali (njengeenkampani zomshuwalense kunye namafayili omrhweba) awamkeli iilawutyala zemali kuba zingasetyenziselwa ukusetyenziswa kwemali yokuthungula imali. Ngokufanayo, iibhanki zingenakukuvumela ukuba usebenzise idivayisi yakho yeselula ukufaka i- oda yeemali, kodwa ukuhlola akukho nxaki.