Iisiseko kunye neengqungquthela zeeNkcazo zokuThengisa umdla
Kutheni Ufanele Ukhethe Ama-Akhawunti Yokujonga Intshisekelo?
Yintoni enkulu kakhulu ngala ma-akhawunti? Ngokwesiko wawunomrhweba phakathi kokufikelela okulula (ngokusebenzisa i-checkbook okanye amakhadi esetyenzisiweyo ) kunye nomvuzo ophezulu.
Ngomdla wokutshekisha, ufumana ezilungileyo zezo zombini ihlabathi. Ungabhala ukuhlola, sebenzisa ikhadi lokukhwabanisa , yenza i- ACH idluliselwe kwaye ufumane ukubuyisana okukhuphisanayo ngemali yakho. Ukuba ezi zinto zichaphazela i-chord nawe, i-akhawunti yokutshekisha umdla iya kuba yinto enhle kuwe.
Ukutshekisha Intsalane
Nangona intshukumo yokuhlola ithatha neenzuzo ezininzi, inzala ethile ekuhloleni i-akhawunti inemiqobo. Qinisekisa ukuba uyazi ukuba ziphi ngaphambi kokuvula i-akhawunti. Qala ngokuqonda iimfuno zakho. Yintoni oyifunayo intshukumo yokujonga i-akhawunti kwaye uza kuyisebenzisa njani? Xa usukhankanyile oku, unokwenza isigqibo ngokukhawuleza ukuba imida iya kusebenza okanye ayiyi kukusebenzela.
Ezinye iifolo eziqhelekileyo zokubukela ziquka inani elincinci lokudluliselwa kwi-akhawunti nganye ngenyanga, iimfuno zokulinganisela ibhalansi kunye nokuhlawulwa kwemali yetshekhi (jonga ukuba ngaba banikezela umgca we-creditdo ).
Iintlobo zeNkcazo zokuThengisa iiAngxelo
Kukho ezimbini iindidi ezinkulu zokujonga i-akhawunti.
Uhlobo lo kuqala yi-akhawunti ye-vanilla ekhompyutheni ehlawula umdla kwaye inika iinkcukacha zokujonga. Uhlobo olulandelayo yi-akhawunti yemarike yemali, eyona nto ayikho i-akhawunti yokujonga. Ekugqibeleni, umvuzo wokujonga i-akhawunti ngokubanzi unemiqobo kwaye kunzima ukufaneleka, kodwa ihlawula inzala.
Ababoneleli ngeBhanki kwi-Intanethi
Ukufumana i-akhawunti yokujonga i-vanilla ye-vanilla, iibhanki ze-intanethi yindawo enkulu yokuqala. Ezi ngxelo zihlala zihlawula ngaphezu kokuba ungayifumana kwii-akhawunti zokulondoloza kwiibhanki zetena zetena nezomhlaba. Ufuna iingcamango ezimbalwa? Qala ngalezi zimbini ziphononongo ze- Capital One 360 (yangaphambili ING Direct) kunye ne- Ally Bank .
Iimali zeeMali zeMarike
Ngelixa ungakhange uhlolisise i-akhawunti, i-akhawunti yemarike yemali ingakunika oko ufunayo. Ezi ngxelo ziwela kwinqanaba lokugcina i-akhawunti, kodwa zihlawula encinci ngaphezu kwee-akhawunti ezininzi zokulondoloza, kwaye zinikezela ngokubhaliweyo kokuhlola. Nangona kunjalo, uzakufuneka ubhale amathrekhi amathandathu okanye ambalwa ngenyanga ngee-akhawunti (ngoko zilungele iindleko ezingapheliyo).
Ukuba awuqhelekanga ngee- akhawunti zeemarike zemali , yenza uphando oluthile kwi-intanethi ukuze ufumane izinto ezisiseko.
Ukuhlawula ama-Akhawunti
"Umvuzo" unomdla wokujonga iakhawunti kunzima ukufumana nokufanelekela. Kungenxa yokuba uya kufumana umdla xa uhlangabezana neemfuno ezithile, kwaye oko kunokuthatha umsebenzi othile. Ngamanye amaxesha unokutyelela ibhanki kumntu ukuvula i-akhawunti, kodwa ngokuqhelekileyo bahlawula i-percentage yield percentage year ( APY ) - nangaphezulu kweeCDs kwixesha elide kwezinye iimeko.
Ukuphucula ukuqonda kwakho indlela umvuzo ohlola ngayo ukusebenza ngaphambi kokuba ungene ngemvume kwenye yee akhawunti.