Fumana i-Bhanki eya kuhlala igcobile
Ukukhangela Okulungileyo
Zininzi iiwebhusayithi zikhuthaza uluhlu lweebhanki ezibhetele kwibhanki. Nangona ezi nqaku zinokuba luncedo, zinemiqathango.
Okokuqala, ezinye iiwebhusayithi zincoma iibhanki ukuba "zinamalungiselelo"; ngokubhengeza abathengi, umvakalisi ufumana iibhakethi ezimbalwa kwibhanki xa uvula i-akhawunti (akuyiyo indlela okubhaliweyo ngayo le nqaku; andiyazi nayiphi na ilungiselelo elinjalo kunye neenkampani ezibhalwe apha kwaye andifumana imali yokuthumela ukuba uvula i-akhawunti).
Iibhanki zamatyala nazo zivame ukwenza iziphakamiso jikelele ngaphandle kokuqonda iimfuno zakho. Bangakuxelela ukuba ziphi iibhanki zinamazinga aphezulu, kodwa oko akunokuba yiloo nto uyenayo kakhulu njengomthengi. Ukufumana ibhanki ebhetele kuwe malunga nokuqikelela into oyifunayo - phambi kokuba ukhangele nayiphi na amagama.
Ukuba ufuna ukuthatha le ndlela (yokuvavanya iimfuno zakho kuqala), funda indlela yokukhetha iBhanki .
Amagama athile
Konke okuthethiweyo, ngamanye amaxesha abafundi bafuna ukufumana isiphakamiso esithile. Ngoko, ukuba ufuna ibhanki ye-intanethi , awukwazi ukungahambi kakuhle nawaphi na amagama amakhulu.
Zonke zilungile kwizinto abazenzayo, kwaye zihlawula irhafu yokuncintisana. Ukuba ufuna amagama athile, qalisa ngeNkunzi eyodwa 360 , Ally , okanye USAA . Basenokungabi naso onke amaxabiso aphezulu, kodwa bahlala bekuntle.
Ibhanki ngokuphepha
Njengoko unquma ukuba yiyiphi ibhanki kwi-bhanki, qiniseka ukuba ibhanki ngokukhuselekileyo. Ukuba kukho nayiphi na ithuba lokulahlekelwa yimali yakho, neendawo ezifanelekileyo zebhanki ziba yindleko kakhulu.
Qinisekisa ukuba nayiphi na ibhanki i- FDIC iqinisekisiwe kwaye iiyunithi zeekhredithi zi- NCUSIF . Gcina iibhalansi zeakhawunti yakho ngaphantsi kwemida ephezulu yomshuwalense.
Amaziko asekuhlaleni
Unokumangaliswa ukufumanisa ukuba isikhungo esincinci sinokuhlangabezana njani neemfuno zakho. Iibhanki zendawo kunye neemanyano zeentengo zemali kufuneka zibe kwiluhlu lwakho njengoko uphanda ama-akhawunti. Ukongezelela ekunikezeni iinkonzo ezifanayo ozifumanayo kwiibhanki ezinkulu (ngamanye amaxesha kunye namazinga angcono) zineenzuzo ezimbalwa eziyingqayizivele. Ngokomzekelo, bayingxenye ebalulekileyo yoluntu ohlala kuyo; nayiphi na imali oyibekayo inokukunceda amashishini kunye nabathengi abasondeleyo.
Kwimibutho emancinci, unokufumana uncedo olukhulu kunye nobudlelwane nabantu ebhankini. Ukuba awukwazi ukumelana nembono yokuthetha nomntu kwiziko lokufowunela ngaphandle, iya kwendawo. Kukulungele ukulungisa iingxaki kumntu ngamanye amaxesha (ukuba unakho unengxaki). Kwibhanki enkulu, ungumthengi omnye kwizigidi, kwaye ngamanye amaxesha uyayibona.
Ingaba imanyano yemboleko okanye ibhanki ingcono? Enoba enye iya kuyenza inkohliso. Khangela iziko elinemveliso kunye neenkonzo eziyidingayo, kwaye kuya kuba lula ukusebenza kunye (kunye neendawo zesebe kunye neeyure, ukusebenza kwewebhusayithi, njalo njalo).
IBhanki kwiNdlela
Ukuba ungumlindi wendlela, isikhungo sendawo singasayi kuba yindawo efanelekileyo ebhanki. Iibhanki ezinkulu zelizwe ziya kunika amanye amasebe kunye nama-ATM, ngoko uya kuba nakho ukwenza izinto ngendlela kwaye unciphise iirhafu. Uya kufumana amasebe kuyo yonke indawo - nakwiivenkile zokutya. Nangona kunjalo, imanyano encinci yemali-mboleko inokunceda izidingo zakho naphi na kwilizwe ukuba liyinxalenye yeCu Service Network . Ungakwazi ukujongana neenkqubo eziqhelekileyo nakwiyiphi na enye isebe leyunithi yekhredithi , nokuba ungeyilungu.
Ngaba ufuna iirhafu eziphezulu?
Ukuba ufuna nje ukufumana ixabiso eliphezulu kwimali yakho, uya kufumanisa ukuba ibhanki engcono kakhulu ishintsha rhoqo. Akuqhelekanga ukuba ibhanki ihambe ukusuka entloko yepakethi ukuya kwindawo ethile emva kokuqokelela ixabiso eliyifunayo.
Ngaphandle kokuba unetoni yekheshi kwaye unamava-nqwelo-mava, akunakufaneka ukuguqula amazinga angcono.
Ukutshintshela imali kwenye indawo ukuya kwelinye kunokuthetha ukuba imali yakho iyahamba iintsuku ezimbalwa ngaphandle kokufumana inzala, kwaye ukulahleka kwemali kunokususa nayiphi na inzuzo oyifumanayo ukusuka kwizinga eliphezulu. Ukongezelela, ukuvula ii-akhawunti ezintsha ukufumana umgangatho ongcono ukuchitha ixesha. Ngaphambi kokuba uhambe, qaphela ukuba unako ukufumana ngaphezulu ukwenza ezinye izinto.
Ukutshintshe amabhanki
Emva kokuba usufumene ukuba yiyiphi ibhanki eyona nto ibhetele kwi-bhanki, kufuneka uhambise imali yakho. Le nkqubo inokudala iingxaki, ngoko thabatha ixesha kwaye wenze ngokucophelela. Naliphi na i-hiccups inokubangela iimali ezongezelelweyo kwaye zize zidale umonakalo kwizikolo zakho zemali . Ukuze uphumelele kakuhle, funda indlela yokutshintshe amabhanki .