Abathengisi: Xa kulula okanye iindleko zibaluleke kakhulu, kungcono kakhulu ukufumana umyalelo wemali kwivenkile yokuthengisa.
Izitolo zokutya, iivenkile ezinkulu zebhokisi, ii-pharmacy, kunye neevenkile ezilula zihlala zinikeza iilawutyala zemali kwidesksi yesevisi yabathengi.
Ngelixa uphuma kwiimpawu, khangela i-MoneyGram okanye i logo yeNtshona Union kwiivenkile eziseduze. Imirhumo yokuthenga umyalelo wemali kubathengisi abaninzi bahlala bejikeleza idola elilodwa . Imithombo enokwenzeka iquka iWalmart, iCVS, i-K-Mart, i-Safeway, izitolo ze-Kroger, i-Meijer, i-7-Eleven, nokunye.
Amabhanki kunye neemanyano zeebhanki : Ibhanki yakho yinto efanelekileyo. Lindela ukuhlawula iidola ezimbalwa ngaphezu kokuba uchitha kwivenkile-iibhanki zihlala zihlawula i-$ 5 ukuya kwi-10). Kodwa iirhafu mazibe neengqiqo ukuba unayo i-akhawunti yokutshekisha okanye yokulondoloza apho kwaye uthengele kuphela i-oda yeemali. Ukuthenga ngokuthe rhoqo, mhlawumbi ufuna ukufumana enye indlela. Inzuzo ebalulekileyo yebhanki okanye umyalelo wemali yemanyano yesikweletu ngumsebenzi wamakhasimende-banokukwenza ukulandelela umyalelo wemali lula kuwe. Qaphela ukuba ezinye iibhanki zinikela kuphela ukuhlolwa kweelashi endaweni yeemali zamaphepha, kodwa i-payee yakho ayinakukhathalela oyisebenzisayo.
- Thelekisa iimpawu, indleko, kunye nokukhuseleko: Iimali zokuCashier kunye noMyalelo weMali .
Inkonzo yeposi ye-US: I- USPS imali ye-oda enye yinto ekhethekileyo. Le miyalelo yemali inomdla wokukhusela emhlabeni jikelele. Nangona kunjalo, ukufumana i-oda ye-USPS imali kunzima-kungekhona zonke iiofisi zeposi ezikhupha umyalelo wemali (fowuna phambili ukuze uqinisekise), kwaye unokufumana ukulinda kumgca. I-oda ye-USPS yemali ibiza ixabiso elilingana ne-1.25 nganye.
Imali izitolo: Iziko ezijongene nemali (ngaphandle kweebhanki kunye neemanyano zentengo) nazo zinikela ngemali. Ama-Agent Union ase-Western Union, iivenkile zemali-mboleko kunye neyezinye iinkonzo zokuthunyelwa kwemali zingafumaneka ngokufanelekileyo kwaye zinikeze amanani aphantsi. Ezinye iiwebhusayithi zithembisa ukuba unokufumana i-oda ye-intanethi, kodwa kunzima kwaye kuyingozi ukwenza njalo. Kubalulekile ukusebenzisana negama wena kunye nomvuzo wakho-awufuni ukuxhatshazwa, ukuhlawula kakhulu, okanye ubenokukhathazeka malunga nokuba ngaba umyalelo weemali uvumelekile.
Ingaba ibiza malini?
Iindleko ziyahluka ukusuka endaweni ukuya endaweni, kodwa unokulindela ukuhlawula phakathi kweyure kunye neerandi ezilishumi ngemali. Izitolo zokuthengisa zibiza imali encinci, kwaye iibhanki zihlawula ngaphezulu. Gcina ukhumbule ukuba unokufuneka uthenge ii-oda ezininzi zemali kwaye uhlawule umrhumo ngamnye. Ngokomzekelo, ukuba ufuna i-$ 3,000 kunye nemali ephezulu yokukhutshwa kwemali eyi-$ 1,000, kuya kufuneka uhlawule iintlawulo ezintathu ukufumana iindleko zemali ezintathu. Ukufumana iinkcukacha ezongezelelweyo, funda malunga neendleko zendleko kwaye ubone ixabiso lesampula kwiindawo ezikhethiweyo.
Ukuthenga
Intlawulo: Ukuthenga umyalelo wemali, kuya kufuneka uhlawule ngemali okanye kwikhadi lebityala. Ngenxa yokuba i-oda yesiqinisekiso semali, awukwazi nje ukubhala isheke okanye ukusebenzisa ikhadi lekhredithi.
Abaxhasi abanakukwazi ukuba ingahlawulwanga isheke sakho okanye uya kufaka i-backback yakho kunye nomnikeli wakho wekhadi. Ngenxa yoko, zikhupha iirekhodi zemali emva kokuhlawula ngemali eqinisekisiwe.
Ukusebenzisa amakhadi esikweleti? Abanye abathumeli bathi unokusebenzisa ikhadi lekhredithi ukuze uthenge umyalelo weemali, kodwa ngokwenene ufumana ukunyuka kwemali kwikhasi lakho. Ukunyuka kwemali ngokuqhelekileyo kuyindlela ebizayo yokuboleka kuba beza nemali ephezulu, kwaye amakhadi enkoleko ahlawula ixabiso lentengo ephezulu kulawo mabhalansi.
Gcwalisa: Ukugqiba umyalelo wemali, uya kufuneka ukwazi ukuba ngubani ohlawulwayo. Ukubonelela igama elithile lomntu okanye intlangano oyihlawulayo, kwaye ugweme ukwenza imali ehlawulwa ngemali . Inkqubo ifana nokubhala isheke . Ukufumana iinkcukacha ezingaphezulu, funda indlela yokuzalisa iMyalelo weMali .
Ezinye iindlela zokuhlawula?
Ngaba kukho indlela engcono yokwenza iintlawulo?
Iimali zeemali zisoloko zenza okukufunayo , kodwa zibiza imali, kwaye ingaba yintlekele ukuzithenga ngomntu. Xa umthengisi okanye ummkeli ufuna ukuba usebenzise umyalelo weemali, awukho naluphi ukhetho. Kodwa ukuba usebenzisa umyalelo weemali nje ngokuba unayo i-akhawunti yokutshekisha, unokufumana ezinye iindlela ezingcono.
I-akhawunti yebhanki ikuhlola: Isinyathelo sokuqala kukuvavanya ukuba ngaba akufanelekile ukuvula i-akhawunti yokujonga . Amabhanki kunye neemanyano zemboleko zisekho ukubonelela ngokukhululeka , ngoko ke akufuneki ukuba uhlawule iimali. Nangona ugqiba ukuhlawula iirhafu ezizithobileyo, i-akhawunti yasebhanki isenokukusindisa ixesha kunye nemali ebalulekileyo ukuba sele uhlawula imali yokuthenga i-oda.
Amakhadi ahlawulwayo: Ukuba usebenzisa ibhanki akuyiyo inketho kuwe (okanye ukhetha ukungasebenzisanga neebhanki), iakhawunti zamakhadi ezihlawulwayo zibonelela ezinye iinkalo ezifana nokuhlola i-akhawunti-ngaphandle kwemfuneko yokuhlawula imali yebhanki okanye ukufumana imvume. Ngokukodwa, unokuhlawula iindleko kwii-akhawunti, oko kunokuthetha ukuba uya kufuna iilayithwa zemali ezimbalwa kwixesha elizayo. Kunoko, unokwenza iintlawulo zentlawulo ye-intanethi nge-akhawunti yakho ehlawulwe kuqala, kwaye ibhanki yakho inokushicilela iphinde ithumele ukuhlola.
Gcina loo Mbuyiselo
Kungakhathaliseki ukuba ufumana phi umyalelo wakho wemali, gcina i-risithi yakho kwindawo ephephile uze uqiniseke ukuba awuyi kufuna imbuyiselo . Ukuba umyalelo wezemali ulahleka okanye izicwangciso zakho ziguquka, uya kufuna loo risithi ukuze ukhansele imali . Ngaphandle kwayo, usenokungabi nhlanhla, okanye uya kubhekana nokulibaziseka okongezelelweyo kunye neendleko zokufumana imali yakho.