Bala iRhafu-Elinganayo Ukuvelisa ukuthelekisa iMunis kunye namanye amabhondi
Ngaba oku kwenza i-munis utshalomali olugqibeleleyo?
Mhlawumbi hayi.
Munis Akunjalo kuwo wonke umntu
Xa umtyalomali uthengisa i-muni, ubonisa ukuzimisela ukunikela isivuno esiphezulu kwiingxowa-mali zakhe zotyalo-mali ngokutshintshiselwa ukuba angabihlawuli irhafu ngenzuzo. Le nto ihamba kakuhle kakhulu kubantu abanomvuzo ophezulu, kodwa ukuthenga ibhondi ehlawuliswayo ehlawulela inzala ephakamileyo ngokubanzi isenza ibe nengqondo kwilizwe lonke.
Ngoko uhlala phi kunye nomnatha wakho ukuma kwi-i-okanye-okanye-akufuneki-ndiyi? Zibuze imibuzo embalwa ebalulekileyo ngaphambi kokugqiba ukuba kufuneka uthenge amabhondi kamasipala:
- Yiyiphi ibhakethi yakho yentela? Ukuba awukwazi impendulo, biza umnini-akhawunti wakho. Ukuba awunayo i-akhawunti, fumana enye. Ukuba ungomnye walezo zizenzo-ngokwakho oza kuzuza i-akhawunti, uthathe ixesha lokuphanda ibhakhi yakho yentela. Awukwazi ukucinga ukuba uhlala unye unyaka unyaka ukuba ingeniso yakho iyashintsha.
- Yiyiphi ibhanki yakho yokulungelelanisa? Susa ibhonksi yakho yerhafu ukusuka kwi-100 ukufumana ibhanki yakho yokulungelelanisa. Umzekelo, ukuba uzimisele ukuba ungama-33 e-bracket bracket, ngoko-ke ngaphantsi kwe-33 engama-33 ngowama-66 ngoko ibhanki yakho yokulungelelanisa i-66 ekhulwini.
- Ingakanani izinga kwi-muni ocingayo? Iziphumo eziphezulu eziphakanyisiweyo zentlawulo yee-10 zonyaka zivelisa naphi na kwi-2 ukuya kwi-3,35 ekhulwini ngo-Oktobha 2017, kodwa inokuxhomekeka kunyaka okanye nokuba ngeveki okanye ngenyanga. Siza kusebenzisa isibalo esiphezulu kule meko.
- Iyiphi inqaku lakho lokubamba? Nanku apho ugqiba khona ukuba kukho i-muni ethile. Hlukanisa isivuno-kule ngxaki 3.35 ekhulwini-ngokulinganisela kwakho kwama-66 ekhulwini kwaye uza kufumana ama-5.07 ekhulwini. Yiyo isivuno sakho esifanayo. Ngamanye amagama, kunye nenye into efana nokukhula kunye nokulinganisa kulingana, ibhondi ehlawuliswayo evelisa ngaphezu kwama-5.07 ekhulwini yenza ingqiqo ngaphezu kwe-3.35 yepesenti yentlawulo yokuxolelwa kwerhafu kumntu obhekile kwerhafu. Ungasebenzisa kwakhona i-calculator-base based calculator ukuqhuba amanani.
- Uhlalaphi? Iintlawulo kuzo zonke izibophelelo ze-muni zikhululekile kwiirhafu zentlawulo ye-federal, kodwa uya kuhlawula irhafu yendawo kwingxowa yemali evela kwiibhondi ngaphandle kwelizwe lakho. Ngoko ukuba uhlala kwimeko yerhafu ephezulu njengeCalifornia okanye eNew York, ukuthenga isibophelelo se-muni siza kwongeza kwikhefu lakho lentela. Bala ireyithi yakho yerhafu kunye nomgangatho werhafu wendawo kunye nomlinganiselo wakho wokulungelelanisa, uze uphinde uphinde wenze inkqubo echazwe ngasentla.
Kufuneka ukwazi ukuxelela ngetekisi ukuba ubophelelwano oluthile lunengqiqo kwiphothifoliyo yakho emva kokuba usebenze amanani ngamaxesha ambalwa.