Yiya ku-Intanethi
Ibhanki ye-intanethi yinto ekhethekileyo xa uqala ukuqala, okanye ukuba uthetha ukugcina ibhalansi ye-akhawunti encinci. Iibhanki ezininzi ze-intanethi azikho iimfuno zokulinganisela ibhalansi, oku kuthetha ukuba unokuziphepha iimali nokuba i-akhawunti yakho ayinalutho.
Ngokomzekelo, bobabini i- Ally Bank kunye ne- Capital One 360 bobabini banikela i-akhawunti yokukhangela yamahhala kunye ne-akhawunti yokulondoloza ngaphandle kokulinganisela ubuncinane ukuvula i-akhawunti (kwaye akukho ncinane ubuncinane). Ukuvula i-akhawunti kulula , kwaye mhlawumbi uya kufumana okungaphezulu kwimali yakho yokugcina ngaphezu kokuba ungayifumana ebhankini phantsi kwesitalato. Uyakwazi ukufaka iifowuni kunye nefowuni yakho , kwaye xa ixesha lokuchitha imali ungasebenzisa ikhadi lakho lokubambisa okanye uhlawule iindleko kwi-intanethi mahhala .
Yiyiphi iCatch? Ngethuba nje ukuba uceba phambili, kunokungabi namnye. Iimali zakho zise-akhawunti ye - intanethi , ngoko akunakwenzeka ukuba ungene kwiofisi kwaye uqhube ishishini. Ukuhlawulwa kwemali encinci, nayiphi na i- ATM iya kwenza inkohliso-kodwa zonke iibhanki zinemiqathango yokurhoxiswa imihla ngemihla, enokubangela imingeni.
Ukuba unokwenza into efana nekhenkethi , uzakufuna ukufumana izinto kakuhle phambi kwexesha: unokwenza ulandele isheke kwibhanki yakho ye-intanethi (kwaye ulinde ukuba ifike kwi-imeyile), uthumele loo mali ibhanki yendawo yezitena kunye ne-mortar, okanye ufumane imali eyaneleyo yokuthenga umyalelo weemali endaweni .
Hamba encinci
Iibhanki ezincinci kunye neemanyano zetyala ziyinye enye into efanelekileyo yokujonga i-akhawunti kunye ne-akhawunti yokulondoloza. Ezi ziko zingenamathuba amaninzi kunamagabanks ukuba abe nemfuno emncinci yemali kunye nemali ephezulu yenyanga.
Jonga ngeenxa zonke kwiindawo ezincinci zeebhanki zommandla. Buza abahlobo, intsapho, kunye nabasebenzi abasebenzisana nabo ukuba bafumane iingcamango. Umqeshi wakho unokuba nobudlelwane kunye nomanyano wekredithi wendawo, oya kuphucula amathuba akho ebhanki mahhala. Andiqinisekanga ukuba yintoni inyunyana yekhredithi? Khangela ukuba iimanyano zetyala ziqhathaniswa namabhanki .
Dodge i ntlawulo
Nangona usebenzisa i-megabank (uphawu lwesizwe kunye namasebe kuzo zonke ikhonkco), ungeke uhlawule iimali-okanye ugcine ibhalansi enkulu kwi-akhawunti yakho. Iibhanki zibonelela ngeendlela ezininzi zokuphepha ukuhlawula iimali zenyanga, kwaye unakho ukufaneleka ukuhlawula imali nangona ucinga ukuba ibhalansi yakho iphantsi.
Thetha nombhanki okanye uphendule iinkcukacha malunga nayiphi na imigaqo eya kukunceda ibhanki mahhala. Ngokuqhelekileyo, ibhanki isebenza ngokuzenzekelayo ngokuzenzekelayo - akudingeki ukuba uxelele ibhanki okanye ucele ukuyeka. Imizekelo embalwa yokukhutshwa kwayo ibhalwe apha ngezantsi:
- Misela idiphozithi ngqo kwi-akhawunti yakho yokujonga (ezinye iibhanki zifuna idiphozi encinci yenyanga, efana ne-$ 500). Ukuba unama-akhawunti amaninzi, cela umqeshi wakho ukuba kunokwenzeka ukuba usasaze idipozithi zakho phakathi kwale akhawunti.
- Ezinye iibhanki zihlawula imali xa usebenzisa nje i- akhawunti yakho (umzekelo, ukuba usebenzisa ikhadi lakho lokubambisa ubuncinane amaxesha angama-10 ngenyanga, iirhafu zikhutshwe)
- Abafundi bafumana ixesha elininzi - babonise ubungqina bokubhalisa kunye nemirhumo yenu inokukhishwa kwiminyaka emininzi elandelayo
- Khangela ukuba kukho ikhompyutha ekhompyutheni kuphela okanye ekhompyutheni kwibhanki yakho ekhoyo. Ukuba awusetyenzisi isebe kunjalo, unako ukugcina imali (kwaye usenako ukhetho lokutyelela umtshizi - ngemali ephantsi-ukuba kufuneka imfuneko).
Enye indlela: Zama ukuhlawulwa kwangaphambili
Ukuba akukho ndlela yokuphepha ukuhlawula iindleko zenyanga zokugcina kwibhanki yakho, jonga kumakhadi okubhadela akhokhelwayo . Endaweni yokwenza imali kwi-akhawunti yakho yasebhanki, uya "ukulayisha" imali kwikhadi lakho. Ungayichitha ibhalansi yakho njengawe nawaphi na amakhadi okukhawuleza, kwaye amanye amakhadi anika inkokhelo yentlawulo ye-intanethi kunye nezinye iimpawu.
Qaphela malunga nokusebenzisa ikhadi elihlawulwa kuqala endaweni ye-akhawunti yebhanki. Ukulinganisela okungenokuba yi- FDIC inshorensi , kwaye loo makhadi anomlando wokuhlawula imali ephezulu. Ngaphezu koko, awufumani inzala ekulondolozeni, ngoko kunzima ukwenza inkqubela phambili kwiinjongo zakho. Nangona kunjalo, kukho amakhadi amaninzi anokuzikhethela ukuba ukhethe ukuba i-akhawunti yebhanki ayiyi kusebenza kuwe.