Yenza Ufumane Iintlawulo ngaphandle kokusebenzisa igama lakho
Kuthekani ukuba awufuni ukuba wonke umntu azi ukuba ungubani kunye nendlela ochitha ngayo?
Mhlawumbi ufuna ukunikela kwi-charity okanye ukuthenga iimveliso zonyango - kwaye ukhetha ukugcina ezo zinto. Kunokwenzeka ukuba ujabulele ubumfihlo xa unikwe iakhawunti efanelekileyo. Kuthatha umsebenzi omncinci (kwaye akuthethi ukuba unokwenza into engekho mthethweni), kodwa akukho mfuneko yokuhamba-i-gridi kwaye uhlala kwihlabathi kuphela.
Ngesifiso Sobumfihlo
Kukho izizathu ezininzi ezinokuthi ufune ukugcina ii-akhawunti zakho zabucala.
Ubumfihlo: kungakhathaliseki isizathu, unokukhetha ukubhanka (ngaphezulu okanye ngaphantsi) ngokungabonakali. Mhlawumbi uphumelele ilokotri, kwaye uvile iindaba ezibuhlungu malunga nabanqobileyo abahlaselwa ngabahlali abade balahlekile kunye nabaculi bokudibanisa. Okanye unokuba ngumntu woluntu (nokuba ungumntu ogqithiseleyo emhlabeni okanye ubuntu bendawo), kwaye awuyithandi ingcamango yabantu bonke abaziyo ishishini lakho.
Ukunika kunye neentlawulo: Ngendlela efanayo, unokufuna ukunika imali ngaphandle kommkeli owaziyo ukuba iphuma phi.
Ungakhetha kwakhona ukwenza iintlawulo ngaphandle kwabanye ubona apho uchitha imali yakho - nokuba uthengela izinto okanye uzihlawule iindleko zomnye umntu.
Ukugcina iphrofayili ephantsi: ukuba unempahla ebalulekileyo, usenokungafuni ukusasaza loo nto-ingakumbi ukuba yenza ukuba kujoliswe ngakumbi ekujoliswe kuyo.
Kwiimeko ezinzima kakhulu, usenokuzifumana kwimeko yokuthumba kunye nenkolelo.
Ukutshintshwa kweendawo: mhlawumbi unganenkxalabo malunga nobumfihlo bakho kwaye ukhathazeke kakhulu ngomnye umntu. Ukuba ufuna ukuba iifayili zakho zidlulele kumntu okanye kwintlangano ngaphandle kwehlabathi lonke elingaziyo (kwaye ugweme uvavanyo ), kufuneka wenze amalungiselelo ngaphambi kwexesha.
IQumrhu eliKhethiweyo
Ngoko, unokwenza ntoni ukuze ugcine iimpahla zakho kunye neentlawulo zangasese?
Indlela elula ukucela abacebisi abathembekileyo ngcamango. Ngokukodwa xa unokwenza kakuhle, "iiofisi zeentsapho" kwindawo yakho zingenza ubuqhetseba ngoxhumano lwendawo kunye nabasebenzi abaziingqondi. Ukuchithwa kwi-firm firm ifuna ukuba inxaxheba encinane kwinxalenye yakho - kodwa uya kufuneka wenze uphando ukuqinisekisa ukuba usebenza nabantu abathembekileyo.
Unokuthatha izinto ezandleni zakho. Nangona kunjalo, uzakufuna ukuba ubuncinane ube nommeli wengingqi uhlalutye izicwangciso zakho phambi kokuba udibanise umchukumisi. Eli nqaku kunye nabanye abafana nalo akulona isiluleko sezomthetho, abaxhomekekanga, kwaye abanalo inqanaba leenkcukacha ozidingayo ngaphambi kokuba wenze izigqibo ezibalulekileyo.
Enye indlela kukudala iqumrhu elinazo iimpahla zakho. Ngokomzekelo, i-trust okanye iqumrhu elithembekileyo (LLC) lingabamba impahla njengekheshi, imoto, i-estate, kunye nomdla.
Ezi zixhobo zingenza iintlawulo - ngaphandle kokuba igama lakho lidibene ngqo neentlawulo.
Omnye uya kukwazi ukuba unxulumene nequmrhu, kodwa unokukhetha ukuba ngubani abo bantu (okanye imibutho). Ukusebenzisa umzekelo olula, ibhanki kuyakufuneka ukwazi ukuba ungubani ukuba ufuna ukwenza iiphozithi kunye nokurhoxisa usebenzisa i-akhawunti yomntu. Kokusetyenzwa kanzima, ungakhetha abanye (njengegqwetha olimthembayo) ukulawula i-entity kunye ne-asethi.
Kucinga ukuba uqeshe abameleli abahloniphekileyo nabathembekileyo, abo bantu abayi kuba bengaziwa. Ngokomzekelo, amagama abo aya kuba efayili kwi-bhanki okanye kwi-Ofisi kaNobhala kaRhulumente, kwaye "unokufunyanwa" ukuba kuyimfuneko (iifayile zeSizwe zeefayile zinokuthi zifumaneke kuluntu). Ngoko ke, ukuba iqumrhu lakho libandakanyeka nantoni na edibeneyo, abo bantu banokunyanzeliswa (ngokusebenzisa isenzo somthetho) ukunikela ubungqina bakho.
Ngoko, yiziphi iintlobo onokuzisebenzisa? Kwakhona, kuphela ummeli oqhelekileyo kwimeko yakho kunye nemithetho yelizwe unokukuxelela, kodwa sinokukunika ukutya okucingayo.
Iingxowa zinokukunceda ukugcina iifayili ngaphandle kwegama lakho, ngoko ke ngaphandle kwiphakathi yoluntu. Iingxowa-mali zingcono kakhulu kwiimpahla eziphathekayo ezifana nekheshi kunye ne-real estate, kodwa unokufumana ukuba luncedo kwezinye iindlela. Umzekelo oqhelekileyo ngumqhubi wekotro osebenzisa i-trust ukuze athathe i-winnings yakhe.
I-LLC yinto enye, ngokukodwa xa uqhuba ishishini, kodwa iimpahla zomntu siqu nazo zingena kwi-LLC. I-New Mexico LLCs, ngokukodwa, yenza kube lula ukungaziwa - igama lakho aliyi kuvela kwiirekhodi zoluntu, kodwa uya kufuneka uqeshe i-ejistri ebhalisiweyo kunye neofisi kwi-New Mexico.
Gcwalisa Ukungaziwa?
Qaphela ukuba yonke imimiselo engentla iphela ngokomthetho. Ukuba ufuna ama-akhawunti asebhanki angachazwanga ukuba asebenze ngeenxa zonke "kwimimandla egciniweyo" okanye imisebenzi engekho mthethweni (njengokutsalwa kwemali, ukukhupha irhafu, okanye ukukhwabanisa umlingane), eli phepha aliyi kunceda. Ehlabathini lanamhlanje, akukho ndlela esemthethweni ebhanki ngokungaziwayo. Kukho imveliso kunye neenkonzo eziphuma apho ezithembisa ukungaziwa, kodwa ezo nkonzo ngokubanzi zifuna ukuphula umthetho okanye ukubeka ithemba kumntu ozimisele ukugoba imithetho.
Ukongeza kwimibandela yomthetho, kukho imingeni efanelekileyo yokuzalisa igama. Ukuba uthenga into ethile kwi-intanethi okanye ufumene iintlawulo kule akhawunti, yiyiphi idilesi yeposi oyayisebenzisa? Ngaba uya kufuneka ufake ikhowudi yakho yeefowuni ukuhlawula nge-debit okanye kwikhadi lekhredithi? Akunzima kakhulu ukugcina igama lakho liphuma kwibala, kodwa kunzima ukuba kungabonakali.
Amakhadi eziphoso ngowona nto ibhetele xa ufuna ukuzama ukungaziwa kwi-United States. Xa kuthengwa ngemali, akukho ndlela yephepha edibanisa ikhadi kunye nobuni bakho (kodwa ukuba unenjongo yokuphula umthetho, iikhamera zokhuseleko kunye nezinye izixhobo zingakunceda ukuthotyelwa komthetho kukufumene). Nangona kunjalo, la makhadi asebenzayo kuphela kumanani amancinci edoli. Amakhadi e-prebit of debit aneemida ephakamileyo ifuna ukuba unikezele ngolwazi lokuchonga ebhankini.
Ingozi yoKhuseleko
Ukuba uthatha isigqibo sokumisela i-akhawunti yebhanki kwiyiphi na into ebhalwe apha ngasentla, gcina iso iso elide kwii-akhawunti. Uyazijwayele ukukhuselwa kwakho kwiibhanki zabathengi (ukuba i-akhawunti yakho igxothwe ngenxa yobuqhetseba, ibhanki inokubambisa zonke ilahleko). Ngezinye iindidi ze-akhawunti, kuquka ukuthembeka kunye ne-akhawunti yezo shishino, unoxanduva lokulahlekelwa .
Ezinye iindlela
Eli phepha licinga ukuba ufuna ukusebenzisa iimveliso zebhanki eziqhelekileyo. Ukutshekisha, amakhadi okutsalwa kwemali, kunye namakhadi ekwereta (kukubhetele okanye okugqithisileyo) ngokubhekiselele kummiselo karhulumente kunye nemithetho yokukhusela abathengi - uyazi ukuba ungalindela ntoni, kwaye ukhuselwe kwimingcipheko ethile. Zingaba nazo kuphela iintlobo zentlawulo ezamkelweyo. Nangona kunjalo, kukho ezinye iindlela apho (Bitcoin, phakathi kwabanye). Ezi zikhetho zingakhombisa ukungaziwa xa zisetyenziswe kakuhle, kodwa ziyakwazi ukubeka ingozi.