Yenza iiflegi ezibomvu
Ukuba wakhulela ngaphandle kwe-United States okanye unesihlobo esisebekhulile esikhumbula ukuba abantu banokukhuphaza njani amaziko emali emva kokuSindezeleka okukhulu, unokucetyiswa ngokubhekiselele kwiibhanki. Kwinkulungwane ye-21, akuqhelekanga ukuba abantu banqabe ukufaka imali yabo kwiibhanki.
Kunoko, abanye bahlala bekhetha ukugcina imali yabo ekufihleleni amabala ngeenxa zonke ekhaya okanye kwiindawo zokukhusela.
Ubomi abufanele ukuba njalo. Emva koko, kukho imiqondiso yokubukela ukuba ibhanki inenkathazo. Masihlole indlela onokuqinisekisa ngayo ukuba imali yakho kwindawo ekhuselekileyo.
Iinshorensi yeNtlawulo
Okokuqala, kufuneka uqiniseke ukuba 'imali yakho ephephile' kwindawo ekhuselekileyo. Enye yezona zikhuselekileyo zininzi i-inshorensi exhaswa nguRhulumente waseUnited States. Kwiibhanki, uya kufuna inshuwalense ye-FDIC. Imanyano yemboleko isebenzisa i-inshurensi ye-NCUSIF.
Qinisekisa ukuba uyayiqonda imida yale nkqubo. Unako ukulahlekelwa yimali xa uninzi kakhulu kwisiko elinye. Ngoko, ukuba ungathanda ukuthatha amanyathelo okulondoloza, galela imali yakho malunga nokuqinisekisa ukuba ukuba enye ibhanki iyahla, yonke imali yakho ayiyi kulahlekelwa. Ukuphucula indlela oyiqonda ngayo indlela ezi zikhankanywe ngayo zikhuseleko ngokubhekiselele kwezi zinto zilandelayo:
- Imisebenzi Yomshuwalense ye-NCUSIF
- Ngaba iAkhawunti yam ikhuselekile? (IiBhanki, iManyano yeMatyala, amaRharenti, kunye neeNkqubo zoMhlalaphantsi)
Ukuba imali yakho igcwele kwaye iqinisekisiwe ngokuqinisekileyo, unento encinci kakhulu yokukhathazeka ngayo. Ukuba ibhanki yakho ihamba ngesisu, mhlawumbi ngeke uyibone. Kulungile, ngoko unokwazi ukuba iziko lakho lemali lenza iindaba, kodwa iinkqubo ze-FDIC kunye ne-NCUSIF ziqinisekisa ukuba ungasebenzisa i-akhawunti yakho, amakhadi kunye newebhusayithi ngaphandle kokuphazanyiswa.
Kukho nantoni na isizathu sokuthatha imali yakho kwi-bhanki ehlulekile okanye ukuthabatha inxaxheba kwibhanki. Ngoba? Ukufunda oko kwenzekayo ekungaphumeleli kwebhanki okanye ukuba yintoni ibhanki eliza kukunika ingcamango engcono.
Ukulinganiselwa kweBhanki
Ukuba ufuna ukuphepha ukungaphumeleli kwebhanki, ungazama ukukhusela ibhanki ebuthathaka. Ukufumanisa iibhanki ezinobuthakathaka, khangela iinkonzo zokulinganisela ukujonga indlela ibhanki yakho okanye umlinganiso wekredithi ulinganisiwe ngayo. Ezinye zeenkonzo ezingenakuncedo ezininzi zibandakanya:
- Fumana iiBhanki zeSafe
- Izilinganiso eziKhuselekileyo neziKhuselekileyo zeBhanki
- BauerFinancial Inc.
Funda iindaba
Ukuba unemali engozini, unokulandela iindaba ukuba ubone ukuba yeyiphi iibhanki ezinokuthi zikufutshane. Ewe, akukho mntu uyazi oko kuza kwenzeka ngaphambi kwexesha kwaye unokukhohliswa. Nangona kunjalo, kwakukho intetho eninzi malunga neWashington Mutual kunye neWachovia ngaphambi kokuba bahluleke ngo-2008.
Qaphela ukuba ukuba uqinisekisiwe ngokupheleleyo, unako ukungawahoyili amabali uze ushiye imali apho ukhona khona. Olunye ibhanki luya kuthenga i-asethi kwaye uya kukwazi ukusebenzisa imali yakho ngaphandle kokuphazamiseka kwiimeko ezininzi. Ukuthatha inxaxheba kumsebenzi webhanki kunokuncedisa ukukhawuleza okanye kubangele ukungaphumeleli kwebhanki, kwaye kunokuthi kube yinkcitho ngexesha lakho.