I-Incomparison ye-inshurensi, iingcebiso zezezimali kunye nokunye!
Ngaba ucinga ukuba iindidi zeerdy zizo zonke iimpendulo zezimali onokuzifuna? Ewe, kunjalo nabanikazi beNerdWallet, iwebhusayithi eyinika iingcebiso ngezezimali, amathuluzi okufanisa i-inshorensi kunye nokunye. Abaqambi bewebhusayithi, uTim Chen noJacob Gibson, babefuna abathengi ukuba babe neendawo zokuhamba kuzo zonke iimfuno zabo zezimali kwaye ke baqalisa iNerdWallet ngo-2009. Injongo yabo yayikunikezela abathengi ingcaciso echanileyo kunye nolwazi olungenamkhethe lwemali.
Yonke yaqala xa uKen efuna ikhadi lesikweletu kwaye wagqiba ukudala ispredishithi kunye namakhadi angaphezulu kwe-1 000. I-NerdWallet yegosa eliqhubayo njengamanje ngo-2014 nguDan Yoo oza ngaphaya nje ngokuba nguNkulunkulisi we-Vice-President we-social media site, LinkedIn. Nangona ishishini laqalwa kwindlu yeTim Chen, ngoku isebenza kwiofisi yaseSan Francisco, CA.
Ukulinganisa kunye neMigangatho
Nangona nje kuphela iminyaka embalwa ubudala, i-NerdWallet iye yahlawula isabelo sayo sezabelo kunye nokulinganisa okuphezulu kwaye ibe yinto ephambili kulabo bafuna iingcebiso zezimali kunye nezixhobo zokufanisa. Nazi izizathu ezimbalwa ezenza ukuba iNerdWallet ibe yinto ekhethekileyo xa ufuna uphando lwezezimali:
- I-Business Business Bureau: I-+ Isilinganiso. I-NerdWallet ibhizinisi elivunyelweyo leBBB kwaye ayinayo imilinganiselo emibi okanye izikhalazo ezidweliswe kwi-Business Business Bureau.
- I-CNN Imali: I-Top 20 zeeMali eziPhambili ze-2010
- Iingcebiso ezivela kwimibutho yeendaba eziphezulu ezibandakanya i -Wall Street Journal
Izixhobo kunye nezixhobo
Izixhobo ezifakiwe kwiNerdWallet ziquka iingcebiso zezezimali zamahhala kunye nezixhobo ezifanisa iimveliso zemali kunye ne-inshurensi. Unokufumana uncedo kwimibandela yakho yezemali kwiindidi ezilandelayo:
- Imali : Iikhadi zetyala, iiAkhawunti zeBhanki, ii-Mortgages, i-Inshurensi yemoto, Cela umcebisi, Iindleko zokuPhila
- Utyalo-mali : Iinkqubo zemali
- Imfundo : Isikhokelo se-FAFSA, iiScholarships, Thelekisa iikholeji, isiKhokelo soKhuseleko lweJob
- Ukuthenga : DealFinder, Coupons, Reward Mall
- Impilo : Izibhedlele eziphambili, i-Inshorensi yezeMpilo, uBill Bill
- Khangela amakhadi aMatyala : Iikhodi zeMatyala aphezulu, Iintlawulo zeeKhadi zeMatyala, iiCash Back Cards, ukuhamba, iiKhadi zeMatyala aphantsi, UkuThatshulwa kweeKhariti zeKhariti, iiCards zeTredit Credit, 0% Iikhadi leMatyala, amakhadi ezitalato zemali.
Kukho umxholo wengxoxo apho ungayifumana iimpendulo ezenziwe ngabanye kwiindawo ezithandwayo ngokubhekiselele kuyo "njengeengcali zeengcali.
I-inshorensi yokuThengisa
Unokuqhathanisa ukucaphulwa komshuwalense we-Auto ngokusebenzisa i-NerdWallet ye-inshorensi ephezulu ye-inshorensi ehlanganisa i-Allstate , i- 21 ye-Century , i- Liberty Mutual ne- USAA . Ukuqala ukukhangela isicwangciso se-inshurensi yezempilo ngokufaka ikhowudi yakho ye-zip kwiwebhusayithi. Emva koko uza kuhanjiswa ukuphendula imibuzo embalwa kwi-intanethi malunga naluphi uhlobo lwe-inshorensi yezempilo oyidingayo kwaye ngubani ofuna i-coverage.
Ithuluzi lokufanisa i-inshurensi kwiNerdWallet likuvumela ukuba ufumane ulwazi kunye neengcaphuno ze-inshorensi zezi ntlobo zomshuwalense:
- Yomshuwalense wemoto
- Insurance Car
- Inqwelo-mshoni
- Insurance Insurance
- Intshuwalense Yonke Ubomi
- I-inshorensi yoBomi
- Intshuwalense Yobomi Bendalo
- Insurance Insurance
- Abanini beeNkampani zaMashishini
- Umshuwalense weMkhukula
- I-inshurensi yomhlaba
- Abanini bemali yomshuwalense
- Inkonzo yomshuwalense
- Ukulahlekelwa / ukwebiwa kweZakhiwo zePropati
- Inkonzo Yomshuwalense (Umbrella)
Ngaphantsi
Ngokutsho kwabanini bewebhu, izibonelelo zayo zenzelwe abantu abanemali, bachitha imali okanye bafuna imali eninzi. Ndiyakholwa ukuba eli lizwe lihle kakhulu liquka wonke umntu. Abacebisi beengcali zezezimali bonke iingcali kwiindawo zabo kwaye inkampani inomlinganiselo "we-A +" ngeBusiness Business Bureau engenazo izikhalazo ezifakiwe.
Ngenxa yesi sizathu nangaphezulu, ndicinga ukuba i-"nerdy" iingcebiso zezezimali ozifumanayo kwi-NerdWallet inokufanele ukuphulaphule kwaye izixhobo ezifanisayo zokuqhathanisa ziza kukunika ingcaciso yokwenza isigqibo sezemali esicacisiweyo kwimpilo yakho yobuqu kunye nobomi.
Emva kwakho konke, ingaba yintoni engcono kuneengcebiso zezimali ezingenamali onokuzithemba? Yinto enye enye into onokuyisebenzisa xa uqhathanisa ukuthenga kunye nokuzama ukufumana ixabiso elifanelekileyo kwiinshurensi.
Iinkcukacha zoqhakamshelwano
Ukusebenzisa amathuluzi efanisa imali ye-NerdWallet okanye ukufumana isicatshulwa se-inshurensi, unokutyelela iwebhusayithi ye-NerdWallet okanye umnxeba (760) 705-8505. Unokunika ingxelo ngokuthumela i-imeyili nge-feedback@nerdwallet.com. Imiba yobugcisa, unako ukuthumela i-email support@nerdwallet.com. Ukufumana ulwazi oluthe xaxa malunga nokusebenza kwewebhusayithi, unokufunda ukuchasana nenkampani kunye nokudalulwa kwabakhangisi kufumaneka ngasezantsi kwekhasi lasekhaya.