Yikholwa okanye cha, abathengi bakho bafuna ukubhala ukuhlola. Ngaphezulu, unokukhetha ukwamkela amasheke, unikezele ngeendleko zokuqwalasela iintlawulo zekhadi lesikweletu kunye netyala lokuhlawulwa .
Utshintshelwe ukuba ufake iitshekhi ezenziwe kuwe ngokwakho, kodwa kuthekani malunga nokuhlolwa kwezorhwebo? Inkqubo yokuvuma ayifani kakhulu-faka nje iinkcukacha ezimbalwa ezongezelelweyo kuba isheke lihlawulwa kwi shishini lakho.
Indlela Yokuxhasa Ukuhlolwa Kwezorhwebo
Ukuxhasa isheke, uye kwindawo yesigunyaziso emva kwetshekhi. Leli candelo elifutshane phezulu apho lithi "Vunyelani apha." Ukusebenzisa ipeni, gcwalisa ukuvuma:
- Bhala igama loshishino, elifanele lifanane neentlawulo phambi kwetshekhi.
- Tyikitya igama lakho.
- Bhala isihloko sakho (uMongameli, umnini-mali, Nondyebo, njl.).
- Yongeza izithintelo kwisheke ukuba ufuna.
Yenza kube lula: Ukuba uyamkela umthamo omkhulu wokuhlola (ngaphezulu kwembalwa ngosuku, umzekelo), ungagula yonke into ebhaliweyo. Unokunika inkxaso kwakhona ukuhlola kwakho usebenzisa isitampu. Abaphrinta bokutshekisha kwi-intanethi kunye neevenkile zokubonelela ngeofisi kunokudala isitampu kunye nayo yonke ingcaciso engentla, ukuvumela ukuba uhambe ngeendlela zokuvumela. Buza ibhanki yakho malunga nayiphi na imfuno phambi kokuyalela isitampu-banokuba neemfuno ezithile, kwaye kukulungele ukulandela loo myalelo ukuphepha ukulibaziseka ekusebenzeni kwentlawulo.
Ukuvuma kwakho konke kufanele kufanelwe kulo mmandla ungentla komgca (nangona kukho igumbi elincinci), ngoko cwangcisa phambili. Iimbambano ezimbalwa zokugcina yonke into eqhotyoshelweyo ziquka:
- Igama elide lorhwebo
- Imfuno yamasayinithi amaninzi
- Naziphi na izithintelo ozongezayo zithathe indawo engaphezulu (jonga ngezantsi)
Ukuthintela ukuVunywa
Xa uvuma isheke , ugunyazisa nabani na onayo ukuqokelela imali.
Ngokuqhelekileyo kulungile ngoba ibhanki yakho iya kuqokelela imali kwaye ibeke ezo mali kwiakhawunti yakho. Nangona kunjalo, ukuba isheke lilahlekile okanye libiwe emva kokuba livunywe, isela lingenza imali yetshekhi okanye iqondise idiphozithi kwiakhawunti eyahlukileyo.
Ukuqinisekiswa okukhuselayo kunciphisa umngcipheko wakho ngokunciphisa oko kwenzekayo kwimali emva kokuvuma. Ngokomzekelo, unokuthintela isheke kwi-casheded, ngoko kuya kubakho ikhefu lephepha elibonisa apho imali iya khona. Isithintelo esiqhelekileyo kubhala "Ukuze ufake idilesi 123456" (usebenzisa inombolo yakho ye-akhawunti, ngokuqinisekileyo), oko kuthetha ukuba ithekishe kufuneka ifakwe kwi-akhawunti oyicacisayo.
Ukuhlawula i-Check
Iibhanki zihlala zizingela ukuhlolwa kweemali ezenziwe zihlawulwe kumashishini, ngoko kuya kufuneka ukuba ubeke ininzi yetshekhi eyenziwa kwishishini lakho.
Kodwa kuthekani malunga nokuhlawula ezo zihlolisiso-ngaba kunokwenzeka ukutshekishwa kwemali eyenziweyo kwishishini? Yiyo, kodwa inzima. Ubhedu bakho obuhle kakhulu ekufumaneni imali usebenzisa ibhanki yakho (apho uqhuba ishishini lakho ukukhangela i-akhawunti) emva kokuba i-akhawunti yakho isetyenziswe ngokukhawuleza ixesha elithile.
Kutheni kubakho nzima ukwenza imali? Iitshekhi ezenziwe kwi shishini ziyanzima.
Ukuba isheke senziwe ehlawulwa kuwe njengabantu ngabanye, kulula: Imali ingeyakho, ngoko ibhanki ifuna ukuqinisekisa ubungqina bakho ukuba uhlawule isheke. Kodwa amashishini amashishini angokomthetho. Basenokuba ngabanikazi abaninzi, kwaye banokufuna imvume yokuba abantu abaninzi bayeke okanye bachithe imali-kwaye bahlawulele isheke kukulingana nokurhoxisa imali. Ngaphandle kokuba uhlala kwibhankini lakho, ummeli okanye ummeli wenkonzo yamakhasimende akazi ukuba ngubani ogunyazisiweyo ukuba athathe imali kwi-akhawunti yezo shishino. Kwezinye iibhanki, kuba bonke bayazi, unokuba ugunyazisiweyo, kodwa unokuba ngumsebenzi ongeyantlonelo okanye isela elitheba isheke kwiposi.
Ukusebenza njengeShishini
Kuqiqile ukufuna ukuba abathengi bhale ukuhlola kwi shishini lakho. Usebenza njengoshishino olusemthethweni, kwaye-ucinga ukuba wenze konke ngokufanelekileyo kwaye ukhusela iziqinisekiso zakho-unokunciphisa uxanduva lwakho xa kukho into eyenzekayo kwinkampani.
Ukusebenzisa iingxelo zomntu: Ukujongana nokuhlolwa kwezoshishino kuletha iindleko ezongeziweyo kunye nokuphazamiseka, ngoko unokuba uhendelwa ukuba abathengi benze iitshekhi ezihlawulwa kuwe (njengomntu ngamnye). Unokuba ungalingeka ukuba uzame ukuhlola i-akhawunti yakho kwi-akhawunti yakho: Usuvele usebhankini, kwaye imali ekugqibeleni iya kuza kuwe-kunjalo ke yintoni enye enye ithengisa?
Amabhanki akufuneki ukuba afake ezo zoshishino ihlole kwiakhawunti yakho (ngaphandle kokuba usayine ikhonkco , kwaye akunakwenzeka ukuba ivunyiwe). Kodwa kwiimeko ezininzi, akukho mntu uyazibona, kwaye unako ukuhamba nayo. Ukuba ibhanki iyayibona, usengozini yokulibaziseka ukuhlawulwa kunye nezinye iingxaki, ngoko kukulungele ukuphepha lo mkhuba.
Uxanduva lomntu: Nangona unokufumana ukuhlolwa kwezoshishino kwiakhawunti yakho, kuyona nto ibaluleke kakhulu ukusebenzisa ibhizinisko ukukhangela i-akhawunti yengeniso yakho yeshishini. Ukusebenzisa i-akhawunti yakho yakho ibeka i-asethi yakho kwimingcipheko, kwaye kukho enye imiphumo. Ukuba ufuna iinkcukacha ezithe vetshe, kwaye ezinye iingcebiso malunga nendlela yokufumana i-akhawunti evulekile (efikelelekayo), jonga iphepha lethu ekuvuleni ishishini ukukhangela i-akhawunti .
Izindlela ezilula zokufumana iRhafu
Ukuba uhlolisiso lunzima kakhulu kuwe, vavanya ezinye iindlela zokuhlawula.
Iindleko ezixhamlileyo: Ukuba ixabiso lakho liyinkxalabo ebalulekileyo, imali kunye nokuhlola iinqunto ezincinci, kodwa ezi zikhetho ziye zazinceda. Imali idala ukukhathazeka kwezokhuseleko, ngelixa uhlolisiso lunokubamba kwaye kuthatha ixesha leemali ukubetha iakhawunti yakho.
Iiplastiki: Amakhadi kunye nekhadi yamatyala zixhobo ezizithandayo kubathengi, kodwa zinokuba zixabiso kubarhwebi. Sekunjalo, kukufanele ukufumana isicatshulwa rhoqo ukuze ufumane ukuba uza kuhlawula phi. Yikhumbule imigaqo ejikelezayo ekudibaniseni iindleko ezithengiweyo kwikhasi lekhredithi .
Iintlawulo zekhompyutheni: Ukufumana ukuhlawulwa kwentlawulo enokuhlawuleka, zama ukuqokelela imali ngqo kwii-akhawunti zebhanki zabathengi. Iintlawulo ze-ACH zihlala zibiza ixabiso elingaphantsi kweekhadi.