IiNzuzo zoLondolozo lweeNqununu
Inzuzo eyintloko kukukhuseleko. Iibhokisi zepositi zokukhusela zifumaneka kwindawo ezikhuselekileyo ezininzi ezixhathisa umlilo, izikhukhula, iziqhwithi, iitornados, iinyikima kunye nezinye iintlekele zemvelo kunezinye izindlu.
Masingalibali ukutywala.
Ukuba amaxwebhu abalulekileyo ashiywe kwikhaya elincinci elikhuselekileyo okanye ukufaka ihabhinethi, kulula ukuba izinto (okanye ibhokisi lonke) zisuswe. Izinto zakho ezixabisekileyo azilahleki nje kuphela, kodwa mhlawumbi nazo iimaphepha eziza kukunceda zonke (njengama-serial numbers kunye namaxwebhu okubonisa ukulahleka kwakho kunye nobunikazi bakho).
Izikhuselo ezininzi zokukhusela ukhusela ibhokisi yakho yokukhupha. Amabhanki ngokubanzi aqinisekisa ubungqina beempawu kunye nobuni bomntu ocela ukufikelela kwibhokisi. Ukunikezela okhiye wakho komnye umntu okanye ukuthumela umntu onamandla egqwetha ukuba asebenze egameni lakho akayi kusebenza (kodwa khangela ngebhanki yakho ukuqinisekisa iinkqubo). Ukuba ufuna omnye umntu ukuba afumane ibhokisi lakho, tyelela ibhanki kwaye uzalise naziphi na iphepha kunye nalowo mntu ngaphambi kokuba afune ukufikelela.
Iibhokisi zepositi zokukhusela zifumaneka kwindawo ezikhuselekileyo kunye ne-alamu, iikhamera zevidiyo kunye nokukhuseleko olukhuselekileyo. Kwiimeko ezininzi, umqeshwa webhanki kufuneka abe nawe ukufumana ibhokisi.
Ibhokisi ngalinye kufuneka lifune izitshixo ezimbini (eyakho kunye nomqeshwa webhanki), kwaye iibhokisi ezikhuselekileyo ziindawo ezihlukeneyo, kude nomnyango webhanki.
Ngendlela efanayo, uya kuba nolonwabo. Akunakufunwa ulwazi olubalulekileyo kunye namaxwebhu anesisindo ekhaya lakho. Ibhokisi yephoyisti ekhuselekileyo inqanda abahlali, abantwana, izalamane, kunye nabani na umntu ukuba bangene kwizinto zakho.
Kwiibhanki ezininzi, abasebenzi abakukunceda ukufikelela kwibhokisi yakho baya kukushiya bodwa kwigumbi lokuzimela ukuze bavule, bavale, kwaye bahlele ngokusebenzisa okubhalwe kwibhokisi.
Ukuguquka kwezinto kunye nezinye iindlela
Ngesinye isikhathi, ibhokisi yepositi ekhuselekileyo yindlela efanelekileyo yokugcina amaxwebhu abalulekileyo, kwaye kusekho ezinye iindlela ezintle zokugcina amaphepha kunye neempahla ezixabisekileyo. Kodwa kuthekani ukuba ufuna nje ikopi? Unokwazi ukuhlangabezana neemfuno zakho ngokugcina iikopi zekhompyutheni kunye nenkonzo ye-intanethi okanye ukugcina izixhobo zokugcina ezifihliweyo (njenge-USB drive) kwindawo ezininzi.
Iimpahla ezizimeleyo zenye enye inketho yokugcina impahla. Amashishini angewona amabhanki anika ibhokisi yokufaka ikhusile ekhuselekileyo efumaneka rhoqo nge-24/7, kwaye isithembiso esingakanani kubumfihlo ngaphandle kweebhanki. Ukulungeleka kunokukutsala, kodwa kuya kufuneka uhlolisise ukuba ibhokisi lakho liya kukhuseleka. Khumbula ukuba abanye baya kuba nokufikelela kwi-24/7, kwaye banokuba kwigumbi elinye kunye nebhokisi lakho lingalindelekanga.
Iindleko
Iindleko zebhodi yokuphosa ekhuselekileyo kuxhomekeke kubukhulu. Amaxabiso angabuka kwi-$ 25 ngonyaka ngeentlobo ezincinane ezintathu ngebhokisi engama-intshi e-5 ukuya kwi-125 engama-year ngobukhulu obukhulu beshumi ngebhokisi leshumi. Ezinye iindleko zingenziwa, njengeemali zokuhlawula ngokukhawuleza, iintlawulo zokufakela ukuba i-key ilahlekile kwaye uyayifuna into ngokukhawuleza, kunye nemirhumo yezitshixo zokutshintshwa.
Ukuba ufuna nje ukugcina amaxwebhu ambalwa kwaye azinokuphangwa, iibhokisi zintlanu mhlawumbi zihle (iibhokisi ezininzi ziyi-12 ukuya kuma-24 intshi ezantsi). Kwezinye iimeko, umrhumo wokuqeshisa unokuba uhlawulelwa irhafu - cela umthengisi wakho werhafu.
Yintoni ekufuneka uyigcine kwiBhokisi leDistim ekhuselekileyo
Iibhokisi zepositi ezikhuselekileyo zilungele izinto ezincinci, ezibalulekileyo kunye nezinto ezixabisekileyo (kubandakanywa namaxwebhu) ofuna ukukhusela. Ezi zinto zimele zibe zizinto ongenakuzifunayo.
- Izatifikethi zokuzalwa nokuza kwamkelwa
- Iziqinisekiso zomtshato
- Iikopi zeemfuno
- Iikopi zamandla kagqwetha
- Iimpawu zothutho
- Ulwazi lotyalo
- Iifoto kunye nemilinganiselo
- Iikopi zeelayisenisi zabaqhubi kunye neepassports
- Impahla yolwazi
- Ulwazi lweakhawunti yebhanki kunye nekhadi lesikweletu
- Izakhiwo zezindlu
- Ulwazi lweNkcukacha zePilisi
- Izatifikethi zeStock kunye nezibophelelo
- Isinyithi esibalulekileyo, ubucwebe, kunye neziqokelelwane ezingenakuqinisekiswa
- Iimoto ezinzima kunye nokuhamba kwefayili kunye nedatha ebalulekileyo
- Amaphepha ommi
- Ulwazi lomshuwalense
- Iirekhodi zezoshishino
- Diploma
- Imiqulu
- Iimfazwe zempahla
- Amakhadi okhuseleko loluntu
- Iirekhodi zamaMpi
- Izivumelwano ezibalulekileyo
- Iirekhodi zokugonywa
- Ezinye izinto okholelwayo azifakiyo (okanye ziza kunzima okanye zibiza ukutshintsha indawo)
Cinga kabini ngaphambi kokuyivala
Amaxwebhu akho akhuselekile kwibhokisi ephosiweyo, kodwa ayifumaneki . Ngoko qiniseka ukuba unesicwangciso sokufumana nawaphi na amaxwebhu anesisindo xa ibhanki ivaliwe okanye umnini webhokisi akakwazi ukukhubazeka.
- IiPassports: izinto zenzeka. Akunakwenzeka nje ngokukhawuleza kodwa kudala ukuxhomekeka kweemeko ezifuna ukuhamba. Khumbula ukuba amaxwebhu abalulekileyo agcinwa kwishishini elinokuthi livule kuphela 9 ukuya kwi-5.
- I-Wills (tshekisha kunye nommeli malunga neemvelaphi okanye iikopi): imithetho iyahluka ukusuka kummandla ukuya kwilizwe, ngoko uya kufuna ummeli wendawo ukuba akuxelele ukuba ungaphila iimpawu kunye neikopi. Ukuba i-original ishiyiwe, amanye athi afune umyalelo wenkundla ukuba ungene ebhokisini, elibazisa yonke into kunye neendleko zemali. Amanye amazwe enza kube lula ukuba amalungu entsapho afumane iibhokisi zepositi ezikhuselekileyo.
- Ukunakekelwa ngononophelo lwezonyango: abathandekayo akufuneki ukuba benze izigqibo zobomi kunye nokufa ngaphandle kwesikhokelo esibhaliweyo. Yazisa abathandekayo bakho nawaphi na amalungiselelo owenzileyo, kwaye ungashiyi ikhophi kuphela kwindawo engenakufikeleleka kuyo.
- Amalungiselelo omngcwabo okanye amalungiselelo okungcwaba : ukuba kunzima ukungena kwibhokisi yokukhupha (okanye akukho mntu uyazi ukuba sele wenze amalungiselelo), inkqubo ingaba buhlungu kakhulu kubahlobo kunye nosapho. Ngaphezu koko, into oyifunayo nento abathandekayo bakho bacinga ukuba ufuna ukuba zibe zizinto ezimbini ezahlukileyo.
- Igunya lommeli (POA): eli xwebhu linika ummeli otyunjwe ilungelo lokuthatha izigqibo ezithile kuwe. Akenzi nabani na ukulungele ukuba ikhophi kuphela evalelwe ebhokisini ngelixa ungakhubazeki. Esinye isisombululo kukukwenza i-POA yakho ibe ngumqeshi. Gcina ukhumbule ukuba amaziko amaninzi eemali akayi kwamkela amandla "omhlaba" wegqwetha ngenxa yokuba abanakuqinisekisa ukuba kusekhona, ukuba ibhaliwe ngelixa unamandla, okanye ubukhulu bamagunya e-POA. Sebenza kunye neziko ngalinye lezemali ngabanye (usebenzisa iifom zabo) ukusetha izinto ngokufanelekileyo.
- Imali: imali kwiibhokisi zokupaka ikhuseleko ayiqinisekwanga yi- Federal Deposit Insurance Corporation (FDIC) . I-FDIC iqinisekisa ukuya kuma-250,000 kwi-depositor nganye kwi-bhanki, kodwa ihlanganisa kuphela imali oyifakileyo-ngokujonga, ukugcinwa kunye ne-akhawunti ye-CD, umzekelo. I-inshurensi ye-FDIC ayifuni izinto kwi-bhokisi yokukhupha.
- Izinto zokuzicebisa, izinto ezinqabileyo kunye neziqhathaniswayo (ukuba ufuna ukuqinisekisa): kwakhona, kungekhona i-FDIC eqinisekisiwe. Hlola abanini bezindlu okanye i-inshurensi umgaqo-nkqubo we-inshurensi ukuze ubone ukuba iifom yebhokisi yephoyisti ekhuselekileyo ifakwe. Enye i-inshurensi iya kuhlawula ukweba, ukulahleka, okanye umonakalo kunye nenkampani yakho yomshuwalense inokunika i-premium ephantsi njengoko izinto zikhuselekileyo kwibhokisi yokupaka. Enye imigaqo-nkqubo ayiyi kugubungela nayiphi na.
Isicwangciso sokuphuma
Ibhokisi yokupaka ekhuselekileyo inokuqinisekisa ukuba nguwe kuphela ongakwazi ukufikelela kwizinto, kodwa ngelinye ilanga ubomi bakho buya kupheliswa okanye uya kulungiswa. Yenza isicwangciso sezo ziganeko ezingenakupheka.
Mhlawumbi umntu omele azi malunga nobukho bhokisi yakho yokukhupha, nangona kungenjalo kungenjalo okubhaliweyo. Ukuba ufuna ukuba ibhokisi ivule kungekudala emva kokufa okanye ukungaphumeleli, cinga ukongeza umninimzi (kuphela ukuba umntu uyamthemba - kuba banokufikelela ebhokisini nanini na) okanye ukwenza amalungiselelo kunye nebhanki yakho. Unokwazi ukumisela iphini okanye i-ejenti ogunyazisiweyo ukuvula ibhokisi phantsi kweemeko ezithile.