Unako ukufikelela kwiimali ngokusebenzisa ukuhoxiswa kwibhanki, i-ATM, okanye ngokudluliselwa kwi-akhawunti yakho yokujonga.
Nangona kunjalo, ulinganiselwe kwinani lokutshintshwa kunye nokuhoxiswa kwe-akhawunti yakho yokugcina imali - Umgaqo-D uvumela ukuthengiswa ezintandathu ngenyanga. Ukuba udlula loo nombolo, unako ukuxhomekeka kwiimali zebhanki .
Xa Ndimele Ndisebenzise I-Akhawunti Yokugcina Egciniweyo?
I-akhawunti yokulondoloza yindawo enhle yesikhwama sakho esingxamisekileyo . Uninzi lweengcaphephe zibonisa i-fund ye-engxamisekileyo yeenyanga ezi-3-6 zeendleko zokuhlala. Nangona kunjalo, unokufuna kuphela ukugcina ingxenye yaleso sixa kwi-akhawunti yakho yokulondoloza; emva koko, unokuqwalasela ukubeka intsalela yesikolo sakho esiphuthumayo kwezinye izixhobo zokulondoloza ezinikezelwa ngebhanki yakho, ukwenzela ukuba wenze umdla kuloo mali. Qiniseka ukuba kulula ukuyifumana xa ufuna imali.
Ungasebenzisa kwakhona i-akhawunti yokugcina isiseko kwiimali zakho zokucoca . Imali yokucoca ingakwazi ukugubungela izinto ezifana neeholide, ukulungiswa kwendlu okanye ezinye iindleko ezinkulu ozigcina imali ukuze uzikhuphe. Oku kugcina imali ngaphandle kweakhawunti yakho yokutshekisha, okukugcina ungayisebenzisi.
Kodwa kusekulula ukutshintshela kwi-akhawunti kwaye ulandele umyinge owugcine.
Abanye abantu abanentengiso embi okanye imbali yezemali bangadinga ukusebenzisa i-akhawunti yokulondoloza kuba ibhanki ayiyi kuvumela ukuba bavule i-akhawunti yokujonga . Ukuba usebenza ekuphuculeni ukuma kwakho nebhankini, kubalulekile ukuphatha iakhawunti yakho ngokufanelekileyo.
Oku kunokuba nzima, ingakumbi ukuba ibhanki yakho iyakunqanda ukurhoxiswa kwi-akhawunti yakho yokulondoloza. Uhlahlo-lwabiwo-mali kunye nesicwangciso xa uhlawula iikoki zakho kunokunceda ukwenza oku kuyenzeka ukuze uvula i-akhawunti yokukhangela kwakhona.
Ziziphi iingxaki kwiAkhawunti yokuTondoloza?
Ukuba uvula nje i-akhawunti yakho yokulondoloza, kubalulekile ukuqonda ubuncinane beemfuno zokulinganisela. Kufuneka kwakhona ugcine ingqalelo kwimida ekuthengiseni i-akhawunti ngokwemimiselo D ukuphepha ukuhlawula iimali ezingadingekile.
Unako ukusetha ngokuzenzekelayo ukudluliselwa kunye nokufaka kwi-akhawunti yakho, eya kukunceda ugcine imali ngokuzenzekelayo. Ezinye iibhanki ziya kunika inzala ephakamileyo xa ubhalisela i-akhawunti eneemfuno ezingaphezulu ezisezantsi . Kufuneka wenze oku kuphela ukuba uyazi ukuba unako ukugcina loo mfuneko ephezulu yokubheka, mhlawumbi uza kuhlawula imali ngaphezulu kwiimirhumo kunokuba uza kufumana inzala.
Ukongeza, i-akhawunti eninzi yokulondoloza ayiyi kuhlawula umrhumo ukuba awuhlangabezane nemfuno emncinci yemali. I-akhawunti yokulondoloza iqinisekiswe yi-FDIC ukuya kuma-250,000.
Ziziphi iRhafu zoNyaka zeeNkcazo zokuSindisa?
Inzala yenzalo kwi-akhawunti yokugcina imali iphantsi . Iirhafu zibophelelwe kwiirhafu ezibekwe yi-Federal Reserve kwaye ekubeni amaxabiso omboleko aphantsi kakhulu, ngokunjalo amaxabiso enzala anikezelwa ngamabhanki.
Xa amaxabiso omboleko ekhuphuka ukwenzela ukuba iirhafu zinikezelwe kwi-akhawunti yokulondoloza.
Ngenxa yeso sizathu, i-akhawunti yokulondoloza ilungele umntu oqala ukugcina imali, kwaye akakwazi ukuhlangabezana neemfuno ezincinane zobhaliso kwi-akhawunti yemarike yemali okanye enye ityala lokutyalomali. Kwakhona i-akhawunti yokuqala yokuqala yomntwana okanye umntu ofunda nje indlela yokulawula imali.
Ngaba Ndimele Ndivule i-Akhawunti Yokugcina Ekhompyutheni?
Unokuqwalasela ukubeka i-akhawunti yokulondoloza ngebhanki ye-intanethi, enokuthi inikeze inzala ephezulu. Gcina ukhumbule ukuba ezi mabhanki zinokuthatha iintsuku ezintathu ukuya kutshintshela imali kwi-akhawunti yakho yokujonga ingingqi. Oku kuthetha ukuba ufanele uwedlulisele imali ngaphezu kokuba awudingi. Oku kungasetyenziselwa inzuzo yakho, ukuba unomdla wokuchitha imali ngenxa yokunyaniseka ukuba uchithe ixesha ukucinga malunga nokuthenga okungahle kwenzeke.
Kwakhona, xa ubhalisela i-akhawunti ye-intanethi qinisekisa ukuba ibhanki iqinisekisiwe yi-FDIC kwaye inokuma.
Ukuhlaziywa nguRachel Morgan Cautero.