Banking nemari

Banking Basics: How and Where to Start

Bhengi chikamu chehupenyu hwezuva nezuva, uye bhadha yako yebhangi inobatanidzwa nguva dzose paunobhadhara nepurasitiki kana kutumira mari kune shamwari. Mabhandi nemakambani emakwereti anotambawo basa guru mumabasa makuru ehupenyu (sekutenga imba kana kubhadhara zvimwe zvinangwa). Kuziva kuti mabhizimisi ako anobata sei kuchakubatsira iwe kushandisa zvidzidzo izvi paunenge uchitaura zvakajeka pamatambudziko anokosha.

Zvaunogona Kuita

Mabhizimusi anobata zvinhu zvose kubva kubhengi rekuchengetedza kune zvikwereti (nezvimwe).

Zvimwe zvezvinhu zvinokosha zvikuru zvinorondedzerwa pasi apa. Iwe unogona kuenda kuburikidza nehupenyu usingashandisi mabhengi kana zvikwereti zvekwereti, asi iwe unogona kunge uchida nguva nenguva nemari kana ukashandisa mahara kana kubhadhara mari .

Sarudza kuti zvipi zvebhengi zvinonyanya kukosha kwamuri, uye kana iwe usingadi kubhadhara mabasa aya.

Chengeta mari: Mabhangi anopa nzvimbo yakachengeteka kuchengetedza mari. Panzvimbo pokuchengetedza mari pasi pemabatiro enyu kana kuti kutakuresa pamwe chete newe, unogona kuchengeta mari mubhangi uye kuitora kana uchida. Iwe haungamboiti (kana kuti kazhinji) unobata mari - iwe unogona kuita zvikwereti zvakawanda zvemagetsi. Mari yebhasikiti dzeDICIC- inodzivirirwa nehurumende yeUnited States ( zvikwereti zvekwereti zvakachengeteka ), saka mari yako yehupfumi haigoni kuputika kana bhangi ikakundikana .

Ita zvikwereti uye ushandise mari: Inofanirwa kuva nyore kushandisa mari yako. Kuongorora maakaunti kunokubvumira kuti unyora cheki zvinopesana nemari yako mubhangi, uye kune nzira dzakawanda dzekugadzirisa zvemari:

• Bhara nebhadhiro yako yebhadhiro kune vatengesi kana vatengesi vekutsvaga.

• Bhadhara zvikwereti paIndaneti kana bhengi yako ichipa iyo (vakawanda vanoita - kazhinji kusununguka) uye bhengi renyu rinotumira mari kune vanopa mazano, makambani ekushandisa, nevamwe.
• Ipai nhaurirano yekodhi yako kune mabhizimisi kuitira kuti vatore mari kubva kubhuku rako.
• Shandisa mapurogiramu nemasevisi epaIndaneti kutumira mari kune shamwari nebhizimisi dzamunotenga kubva. Bhengi yako haisi iyo iyo inopa iyo masangano, asi vanoshandisa bhangi yako yebhangi yekubhadhara mari.
• Shandisa mari kune mumwe munhu (kana iwe pachako) pamatambudziko makuru.

Paunenge uchitarisa uye iwe pakombiyuta mari isingasarudziki, unogonawo kubhadhara nechekuchengeti chekeri nemirairo yemari .

Gamuchira kufarira: Dzimwe nhoroondo dzebhangi dzinokubatsira kuti uwedzere mari yako nekubhadhara chido. Pakawedzerwa nguva yakareba, kubatanidza kunokura mari yako yepakutanga mune mari yakawanda yemari. Zvisinei, mabhangi nzvimbo dzakachengeteka kuti uwane mari, saka haafaniri kubhadhara mari yakakwirira iyo iwe unogona kuwana pane mamwe masimba. Mabhandi nemakambani emakwereti ndiwo akakonzera mari yako yekukurumidza uye mari yaunoronga kuishandisa mumakore mashomanana.

Borrow mari: Mabhanisi ari mubhizinesi rekukweretesa. Vanopa zvikwereti zvemari uye kumusha, makadhi emakadhi, uye mitsara yechikwereti nokuda kwekutanga bhizinesi. Nenzira dzose, iyo yose mabhengi akaita (akatora mari kubva kune vatengi uye akashandisa iyo kubhadhara zvikwereti), asi mabhangi anowana mari kubva kune dzimwe nzvimbo , uye kukwikwidzana kwakachinja. Iye zvino, une zvimwe zvingasarudzwa zvekutora chikwereti, kusanganisira vasina kubhengi bhangi kana zvikwereti peer-to-peer .

Kwamuri Kuzarura Aunti

Izwi rokuti "bhangi" rinowanzoshandiswa zvese. Zvechokwadi, kune marudzi akasiyana- siyana emabhangi , uye bhenji raunosarudza richachinja zvaunowana.

Zvikwereti zvekodheni uye mabhenji emunharaunda kanowanzova sarudzo yakanakisisa yekambani yako yekutanga. Mabhanji epaIndaneti anokubvumira kuti uwane zvishoma zvishoma pasina mari yakawedzerwa, asi zvikomborero zvakanyanya kana iwe uine mari yakawanda mubhangi. Kana iwe uchinge uine zvido zvisingagumi kana iwe uchida-kumisa-kutenga, bhanhire guru rinogona kukwanisa kubatsira.

Mabhanki makuru angave ari chinhu chekutanga chaunofunga kubva sezvo vachizivisa zvechisimba uye vane nzvimbo dzakawanda dzebazi. Mabhengi aya mazita emhuri, uye anopa huwandu hwakawanda hwezvigadzirwa nemabasa. Vanosvika pasi pose, maATM akawanda okusarudza kubva, uye basa revatengi rinowanzowanika zuva rose uye manheru. Zvisinei, iwe unogona kunge uri mumwe chete wemamiriyoni evatengi, uye kushanda nemahombekombe makuru kunogona kuodza mwoyo. Zvinokwanisika kubhengi yekusununguka nebhandi guru, asi iwe unowanzofanirwa kukodzera kubhadhara mari yeiver kuti ufare pasina kutarisa.

Mabanki emunharaunda uye emunharaunda anowanzotarisa munzvimbo duku. Vanogona kushumira vatengi mune dzimwe nyika, kana imwe chete kana miviri.

Hazvishamisi kuti ivo vanowanzobatanidzwa munharaunda, uye vanobatsira vanhu nemabhizimisi vari kushanda munzvimbo-vanogona kuva chikamu chinokosha chehupfumi hwemo. Nemhaka yokuti vane ruzivo rwomunhu oga, mabhanki aya anowanzopfuura mabhanga makuru ekupa rusununguko kutarisa mabhengi uye kubvumira zvikwereti, uye kazhinji vanopa zvinhu zvakafanana nemabasa (kunyange zvazvo dzimwe nguva mabasa anogona kukwana).

Zvikwereti zvekodheni zvakafanana zvikuru nemabhengi emaruwa uye emunharaunda. Asi vane zita rakasiyana nokuti chimiro chavo pachake chakasiyana: haasi masangano-ayo-ayo anowanikwa nevatengi (kunze kwebhengi vane mabhizimusi). Mune mamwe mazwi, iwe unova muganisi wechirungu kana iwe ukazarura aunti uye uisa mari. Kunyanya nekidiki masangano emakwereti, iwe unogona kuva nenguva yakaoma yekuwana chibvumirano chechikwereti - mushandi angangodzokorora chikumbiro chako uye ave nechido chekutarisa zvinhu zvakapfuura izvo zvingadai zvichitengesa bhengi guru. Kunyange zvakadaro, iwe nguva dzose unoda zvakakwana chikwereti chikoro uye mari kuti uwane.

Mabhanki epaIndaneti anoshandisa zvachose paIndaneti, saka ivo vakanakisisa kune vashandi ve tech-savvy. Kambani yebhangi inowanzosununguka, uye mabhanki aya anowanzobhadhara mari yepamusoro yezvikwereti pakuchengetedza (uye kunyange kutarisa) nhoroondo kupfuura mabhenji-uye-matumba mabhengi. Kunyange zvakadaro, zvingave zvakakosha kuchengeta kambani yakasununguka pabhangi kana chikwereti chekoni pamwe nenzvimbo dzepanyika pedyo. Matavi iwayo anogona kubvumira kukurumidza kuisa mari uye kubvisa, uye vanopa mamwe mabasa .

Mhando dzeAkaunti

Nhoroondo dzekuchengetedza ndiyo inonyanya kukosha yebhangi yebhangi : iwe unoisa mari mu, bhangi inopa mari shoma, uye unogona kubvisa mari kana kutumira mari kune imwe kambani sezvaunoda. Zvisinei, nhoroondo dzekuchengetedza hazvibatsiri kushandiswa kwemusi wega wega nekuda kwemiganhu yekuti iwe unogona sei kuita mamwe marudzi ekuregera . Nenzira yakanaka, kutarisa zvikwata kuzadza zvinodiwa.

Kuongorora maakaunti kunokubvumira kushandisa mari yako nyore nyore . Kuti uite kudaro, unogona:

• Nyora checks
• Shandura kadhi yako yemari
• Punch mu nhamba yako yekadhi paIndaneti
• Gadzira bhiri rebhadharo online
• Bvumidza mabhizimisi kutora zvaunokwereta kubva pakero yako yekuongorora

Nhoroondo idzi dzinowanzobhadhara chikwereti, asi iwe haufaniri kuchengetedza mari yakawanda pakuongorora chero zvakadaro. Izvozvo zvakati, zvimwe zvibereko zvakakosha uye mubhadharo kutarisa mabhengi zvinowiridza pane imwe nheyo yekuchengetedza. Kushandisa kero yekuchechechesa iri nyore nyore: vanhu vazhinji vane mubairo wavo wakachengetwa pakuongorora uye kushandisa mari kubhadhara mari kana kutumira mari kune dzimwe nhoroondo.

Mari yemusika nhoroondo yakafanana nemafuta ekuchengetedza uye kuongorora maakaunti . Vanobhadhara chikwereti - kazhinji kupfuura mari dzekuchengetedza - asi zviri nyore kushandisa mari yako uchishandisa kadhi debit kana kuti nekunyora cheki. Iyo chete inobata iyo mabhenji anogadzirisa nhamba yebhadharo iwe unogona kuitisa kubva mubhuku (katatu pamwedzi inowanzo muganhu). Idzi idzi nhoroondo dzakanaka dzekuchengetedzwa kwekutsvaga kana mari dzisingatarisirwi.

Zvitatimiti zvepaiti (CDs) ndeimwe nzira yekuwana mari yakawanda kupfuura yekodha yako yekuchengeta. Iyo inozivikanwawo sekuti nguva inoshandiswa , maCD anoda kuti iwe uzviise kurega mari yako isingatauri kwenguva yakati. Mukutsinhanisa, bhagheni inokubhadhara iwe zvakare-asi iwe unofanira kubhadhara chikwereti kana iwe uchibudisa kare. Mitemo yakasiyana kubva pamwedzi mitanhatu kusvika kumakore mashanu, uye nguva yakakura inowanzobhadhara zvakawanda.

Nzira Yokuzarura Sei Account

Kuzarura kambani yebhangi inongova nyaya yekupa ruzivo nekuita mari. Iwe unogona kupedzisa iyo nzira yakakwana paIndaneti , asi mamwe mabhanga anoda kuti iwe uzadze mafomu. Iwe ungatosarudza kushanyira bazi rebhangi mumunhu, asi zvichida hazvidiwi (kana zviri nyore).

Sarudza bhagheni inosangana nezvido zvako pane zvidhura (zvimwe pane izvo zviri pasi). Kana ukangosarudza kupi kubhengi, inguva yekuzadza shanduro.

Ipa ruzivo pamusoro pako, kusanganisira:

• Mashoko ehupenyu hwako, akadai sezita rako, zuva rekuberekwa, Nhamba yeNhare yeNyika kana zvimwe zvakafanana
• Chizivo , zvakadai seisensi yekutyaira, pasipoti, kana imwe hurumende yakabudiswa (kana uri kuzarura account paIndaneti, uchada kupa nhamba yeAIDS)
• Mashoko ehutu (kana ukashandisa Post Office bhokisi kana zvimwe zvakafanana nekero yako yekutumira, iwe uchiri kuda kugovera kero yako chaiyo)

Mabhangi anofanirwa kukumbira mashoko ari pamusoro apa. Vanogona kukumbira mamwe mashoko, akadai semari yako, mamiriro emabasa, nezvimwewo. Kana ukasada kugovera ruzivo urwu, haufaniri-asi iwe ungada kuwana bhangi yakasiyana. Chinokosha ndechokuti iwe unenge uchitsvaga chikwereti: anenge chero ani zvake arikubvunza nezvemari yako mari asati agamuchira chikwereti. Kana vasina kutarisa muchikwereti chako kana mari yako, iwe unogona kunge uchiwana chikwereti chinodhura .

Chengetesa kambani yako neyokutanga mari. Iwe unogona kuuya nemari kana iwe ukazarura kambani mumunhu, kana kunyora cheki kune account yako itsva. Iwe unogonawo kubatanidza mairi maakaunti ebhengi kuakaunti yako itsva uye kutama mari mumagetsi. Kuti uwedzerwe mune ramangwana, unogona kugadzirisa zvakananga newaunoshandira , uye mabhenji mazhinji anokubvumira kuti uise cheki nokutora mufananidzo nemutambo wako .

Iva Nehukama Hurefu

Zvinorwadza kuchinja mabhizinesi ebhangi , saka sarudza zvakanaka. Nezvenhoroondo dzakarurama, iwe haungatombooni bhengi rako (icho chinhu chakanaka). Ne nhoroondo dzisina kunaka, iwe uchagara uchinetseka uye uchishandisa zvakawanda kupfuura zvaunoda.

Wana mazinga akanaka , zvinoreva mazinga akakwirira pamari yako yekuchengetedza uye mazinga akaderera pamarikwereti. Iwe haufaniri kunge uchida zvakakwana zvakakwana muhurumende, asi mitero inonyanya kukosha sezvo dhora rinowedzera kuwedzera. Kana ukwereta, mari inotyisa inogonawo kuva nyaya: kana uri kubhadhara 20% pane kadhi rechikwereti, zvinetso hazvigoneki.

Kuderedza mitero: Mwedzi webhadharo yemari uye mari shoma-yebhadharo inogona kukwana mazana emadhora gore negore - uye mamwe mabhengi angapa zvibvumirano zvakafanana pasina. Kunyanya kana iwe uri kukwidza, nyatsoongorora purogiramu yekubhadhara usati wasvhura nhoroondo.

Tsvaga kukodzera kwakakodzera: Funga nezvekuti unoda sei kubatana nebhangi rako. Uri kufara kuita zvose iwe uri paIndaneti here? Kana zvakadaro, mabhengi epaIndaneti (kana mapurogiramu asingadhuri pamabhangi-ne-mortar) ndiwo maitiro akanaka. Unoda kushanyira bazi nguva dzose? Tsvaga bhengi rakakosha uye inoshanda nemararamiro ako (mamwe mabhengi anosununguka pakupera kwevhiki uye manheru).

Sarudza izvo zvaunoda. Chero bhengi kana chikwereti chekambani chinogona kupa maakaji ezvokuchengetedza, kutarisa kwekutanga, uye kadhi yebhengi. Ndezvipi zvimwe zvinhu zvaunokoshesa? Mimwe mienzaniso inosanganisira:

• Kana iwe uchida kukwanisa kutengesa mari pakati pezvikwata zvebhangi zvakawanda (pasina), ona nezvebhandi reACH rekutumira mitemo. Dzimwe mabhangi anopa basa racho pachena, asi anogadzirisa nhamba yeakaunti dzaunogona kuisa.
• Kana ukawana checks uye uchivenga kuenda kubhangi, ita kuti mari inoshandiswa pamusasa (kana kuti ATM deposits) inowanikwa .
• Kana iwe kazhinji uchishandisa ATM kuti urege kubvisa, chengetera mutsara weATM kana kuti uwane kambani inodzorera mari yeATM.

Banking Gotchas

Iwe unenge wava kugutsikana nevatengi kana iwe udzivisa matambudziko makuru. Zvakare, iwe haufaniri kuwana mari yakanakisisa yekuchengetedza purogiramu yenyika (nokuti izvozvo zvichachinja nguva dzose) - iwe unongoda bhadha yakanaka yebhangi.

1. Mari, mahomwe, mari: Mabhanki anozivikanwa nekutora mari kubva muakaunti yako. Kune mwedzi unochengetedza mari yekuchengetedza, mari yekubhadharisa mari shoma, kusabhadhara mari , mari yekubhadhara cheki , nezvimwe zvizhinji. Sarudza bhagheni inodzivirira mari shoma, uye chengetedza kero yako kuitira kuti udzivise mitero inoguma kubva pamabasa ako. Gadzira maziso e-akhawunti yako uye shandisa nzira yakakodzera yekuchengetedza overdraft kana uchida.
2. Mari dzinowanikwa: Chimwe chezvidzidzo zvakaoma kukudzidza ndiyo pfungwa yemari inowanikwa. Paunenge uchiita mari mu akaunti yako, unogona kufunga kuti wakasununguka kushandisa mari iyoyo. Zvinosuruvarisa, mabhangi ane mitemo pamusoro pekuti vangakwanise kubata sei mari yako , uye iwe unogona kumirira kwevhiki kana kuti kushandisa mari yako. Dzidza mitemo yebhangi yako, uye chengetedza "bhaari yako iripo" kazhinji.
3. Kunyengera uye kukanganisa: Zvikanganiso zvinoitika, uye kazhinji hazviiti iwe. Kana mumwe munhu achiba mari kubva kubhuku rako kana mari yakabviswa mukukanganisa, taura nebhangi yako pakarepo. Mutemo weBurumende unodzivirira kubva kushandiswa kusina kutenderwa , asi unoda kuita zvakasimba kuti uwane kudzivirirwa kwakakwana. Kana iwe ukamirira kwenguva yakareba, iwe uchava nemhosva yekurasikirwa - saka chengetedza basa mumabhuku ako. Iwe unogona kuona zvikanganiso (uye dzidza zvakawanda pamusoro pemari yako) kana iwe uchienzanisa bhuku rako rekuongorora mwedzi mumwe nomumwe .
4. Kukwereta zvizhinji: Mabhanisi anoda kubhadhara mari kana vachifunga kuti muchadzorera. Havana hanya nebasa rako rekuzadzisa zvinangwa zvako zvenguva refu kana kuti uri kutora mari yakawanda sei muzvibereko. Usakwereta nokuti iwe unogona. Borrow zvimwe zvinhu zvinonyatsovandudza mari yako uye hupenyu hwako - ita zvouchenjeri . Shandisa chikwereti chakanaka chebasa racho, rega chikwereti chekwereti chikwereti uye kubhadhara chikwereti chemari , uye usambokwereta "chikwata" chakawanikwa.