Okufuneka Ukwazi Ngosebenzisa i-Alexa okanye i-Google yeeMali zakho
"Jonga ezi zinto njengokuhlaziywa kwemali njengento yokukhawuleza, ukuthengiswa kweesibini, ukudibanisa kunye nokwenza imibono ecacileyo yemveli yakho yezemali," utshilo uSteve Shaw, umongameli wezoqoqosho ekuthengiseni iqela lebhanki ye-digital kwiFiserv. "Sisebenzisa igama elithi 'ukutyiwa, ukutya kunye nokutya okulungileyo'; I-Alexa [kunye nabancedisi abancedayo] yinto oyisebenzisayo ukuba 'i-snack' xa ifika kwibhanki yakho. "(Ngokuchaseneyo, uyongezelela," Ukuqhawula i-Lunching kuya kuPC yakho, kwaye ukuba ufuna ngokwenene ukutya , ngoko uya kungena kwisebe lakho. ")
Sekunjalo, kwindalo yoncedo lwabasekhaya ngokukhawuleza ukwandisa - i-Microsoft kunye ne-Apple ziya kukhupha abaxhasi babo basekhaya kamva kulo nyaka - kunye nabangaphezu kwezigidi ezingama-35 baseMerika balindele ukuba basebenzise ubuncinane kanye ngenyanga ngenyanga ka-2017, umbuzo uba: Xa kuza kwiimali zakho zemali, indlela omele uvumele ngayo ukuba ezi zixhobo ezihlakaniphile zifumaneke? Nantsi yethu ithatha indlela yokuwasebenzisa ngayo.
Musa Ukuvumela Ukuchitha Kwakho Ukuphuma Phandle
Uphando lusitshela ukuba unako ukuchitha ngaphezulu ngekhredithi kunokudityaniswa kwemali, kunye nokunye nge-debit kunokutya. Ngoko uza kuchitha ixesha elingakanani ngelizwi lakho nje?
U-Eva Velasquez, umongameli kunye ne-CEO ye- Identity Resource Centre Centre, uqaphele ukuba izithintelo ezithintekayo ekuthengeni, kulula ukuyisebenzisa.
Uthi: "Ususa umva wokuchitha imali," utsho. Oku kuya kwenza kube lula ukwenza izinto ezinokuziphendulela kunye neengozi-kwaye kubangela ukuba kubaluleke kakhulu ukulandelela imali yakho. Ukuba ufumanisa ukuba uchitha imali kakhulu ngokuyalela umncedisi wasekhaya ukuba athenge izinto, ukuhamba phambili kukuthatha amandla akhe okuthenga. Umzekelo, unokucima ilizwi lokuthenga kwi-Alexa - kwaye ukuba unamalungu entsapho odibanisa kwithebhu, unokufuna ikhowudi yokuqinisekisa yokuthetha ukuba uhambisane nomsebenzi ngamnye. Unokucima iintlawulo zekhaya leGoogle, ngokunjalo.
Ukuncokola Kupholile, kodwa Ukhuseleko Luyanda
Abathengi bahlala bebeka ixabiso eliphezulu kwiinkonzo kunokuba benza ukhuseleko lwabo, kodwa nangayiphi na ingqonge yokulula - njengokukwazi ukuthenga into ngezwi lakho - mhlawumbi unika okuthile kwisebe lokhuseleko. Yazi amanyathelo okukhusela kwindawo kunye nendlela omele uwaxhase ngayo. "Xa abantu basebenzisa iiwebhsayithi ukwenza ibhanki, abantu bayazi ukuba bafanele bavale okanye baphume xa bephelile," kusho uMat Sueoka, umongameli we-intanethi kunye nentuthuko e-American Express. "Ukuziphatha okufundileyo."
Ngabancedisi belizwi kunye namapulatifomu amasha, uninzi luyacatshulwa.
Kwaye nabani na abasebenzisa umncedisi weebhanki okanye ezithengayo kufuneka bacele imibuzo emininzi: Ingcaciso yam igcinwe kwaye ikhuselwe njani? Yiyiphi imimiselo yengxelo yokukhwabanisa kunye neemeko? Ndiyintoni umthwalo wam? Kwaye abantu abaxakekileyo kunye neentsapho, yintoni imigaqo yokubuyisela ngokukhawuleza? "Akukho nkqubo i-100% iphephile okanye ingenakunceda," yongezelela.
Musa ukuxhuma iKhadi lakho lokuTyala
Ukuba usebenzisa abancedisi bakho basekhaya ukuthenga, kukukhuselekile ukuyidibanisa kwikhadi le-credit card. Kungenxa yokuba unokhuseleko olongezelelweyo - kwaye uxanduva oluncinane - kwimeko yokukhwabanisa. Ngaphantsi koMthetho woTyala lokuTyala lokuTyala, u-xanduva lwakho oluphezulu lokukhwabanisa ngekhadi lekhredithi ngu-$ 50. Kodwa ukukhangela ukukhwabanisa kwe-akhawunti kugqitywe nguMthetho wokuTshintshiselwa kweMali ye-Electronic; phantsi kwalo myalelo, unako uxanduva lokukhwabanisa ngokupheleleyo, kuxhomekeke ekubeni kuthatha ixesha elide ukufumana nokulibika.
Enye ingxaki nge-debit kukuba ngokwenene imali yakho-kungeyiyo umkhuphi-onokutshintshwa kwi-transaction fraudulent. Nangona ibhanki yakho inomgaqo-nkqubo wokukhwabanisa, ukubuyisela imali yakho kungathatha iiveki ezimbalwa, kwaye yinto yokuphazamiseka.
Qiniseka ukuba iNethiwekhi yakho ikhuselekile
Ukuba ne -Wi-Fi yakho ikhuselwe iphasiwedi ayithethi ukuba ikhuselekile. Ukuba i-router yakho ayinakukunyanzelisa ukuba utshintshe iphasiwedi yakho, ngoko unokusebenza ngaphandle komsebenzisi omnye kunye nephasiwedi njengabanye abantu abaninzi. Nantsi indlela yokujonga: Ekhaya, fumana igama lomzekelo lombolo kunye nenombolo uze uphendule indlela yokuyibuyisela kwakhona kwi-intanethi. Ukuba iziqinisekiso ezingagqibekanga ziziqinisekiso zakho zamanje, ngoko uyazi ukuba kufuneka uguqule, pronto. Ukuba uhlala kwikhaya elixhambileyo (oko kukuthi, unamacebo amaninzi axhunyiwe kwi-intanethi), ngoko ke ukhuselekileyo ukugcina zonke iinkcukacha zebhanki kwisisithi esinye kwaye usebenzise ukuqinisekiswa kwezinto ezimbini kwiintengiso nganye.
I-Alexa Ayikaze Ifuna Ukwazi Inombolo Yokhuseleko Yentlalo
Abancedisi basekhaya bahlala bephulaphule iindlebe zabo, oko kuthetha ukuba banomdla wokwenza konke okuthethayo-kunye nokurekhoda ukusebenzisana kwakho nayo, nayo. Musa ukuxoxa ngeenkcukacha zakho zobuqu kunye nomncedisi wekhaya. Oku kuthetha iinombolo zamakhadi, iinombolo zeakhawunti, iinombolo ze-Social Security kunye nemini yokuzalwa.
Ukuze ube kwicala elikhuselekileyo, unokucima ukurekhoda kwezwi kunye nedatha yakho kwi-Alexa kunye ne-Google. Futhi ukuba ungumsebenzisi we-Amex, ama-Amazon aya kugcina ukurekhodwa kwezwi lokusebenzisana kwakho kwee-Amex - kodwa ayiyi kugcina ukurekhoda (engabhaliweyo okanye ngezwi) ye-PIN yakho, utsho uSueoka. Unokunika i-Alexa ne-Google 'earmuffs' ngokukhubaza iimpawu zabo zokuphulaphula.
Kunye noKelly Hultgren