Tsanangudzo uye Mazano
Kuongorora Account Basics
Aunti yekuongorora ndiyo nhoroondo yekutengeserana, inoreva kuti mari kazhinji haigoni kugara mubhuku kwenguva refu. Nhoroondo idzi dzakagadzirirwa kuita kuti zvive nyore kushandisa uye kutamisa mari yako.
Hapana mimwe mitemo (mumabhuku akawanda evanhu) pamusoro pekuti ingani kutengeserana kunogona kuitika munhoroondo yako; dzimwe nhoroondo, senyaya dzekuchengetedza uye maCD , rega kukwanisa kwako kuwana mari.
Nokuti kutarisa maakaiti kuchengetedza mari yako mvura, inowanzoshandiswa se "mubhokisi rebhokisi" yehupenyu hwako hwehupfumi: iwe unowanzoisa mubhadharo yako muchengeti chekuongorora (kana iwe waunoshandisa iwe uite zvemagetsi) uye uendese mari kubva kumativi apo. Zvimwe zvacho zvingaendeswa kune imwe nhoroondo yekuchengetedza kana kubhadhara mari, uye mamwe ose achashandiswa.
Kutenga Mari
Kungova nyore zvakadini kushandisa mari kubva pakero yako yekuongorora? Une maitiro akawanda:
Iva nemari: iwe unogona kugara uchibvisa mari kubva pakero yako yekuongorora yekushandisa. Iwe unogona kuita izvi nebhengi webhangi, kana kuti pane maATM akawanda kwazvo munyika.
Nyora cheki: inonzi "kuongorora" account, shure kwezvose. Ona kuti unganyora sei cheki .
Debit kadhi: unogonawo kutenga nekadhi yako yebhengi, iyo kadi yepurasitiki yakafanana nekadhi rechikwereti (pane zvakawanda pamusoro pekushanda kwayo, verenga izvi ).
Mari yacho ichauya kubva pakero yako yekuongorora magetsi, uye haufaniri kutarisana nechinangwa chipi zvacho.
Bhadhara zvikwereti paIndaneti: mabhengi mazhinji uye zvikwereti zvezvikwereti zvinosanganisira mubhadharo rekubhadhara paIndaneti neongororo dzose. Panzvimbo yekunyora cheki uye kuakanda mue-mail, unogona kuronga zvikwereti paIndaneti - unogona kutongesa zvikwereti zvako kuitira kuti vaende kunze.
Chengetedza zvemagetsi: panzvimbo yekuita kuti bhangi rako ritange kubhadhara, iwe unogonawo kugovera ruzivo rwako rwekuongorora chekombi kune ani zvake waunoda kubhadhara. Vanogona kubva vatora mari kubva ku-akhawunti yako (sekutengesa nguva imwe chete, kana kuti kubhadharwa kwekare).
Kuongorora Account Security
Iko mari muakaunti yako yekuongorora yakagadzirira kuenda, asi ichiri kuchengeteka. Kufunga kuti bhangi yako kana chikwereti chekushandira chikwereti ndeye federally insured, mari yako inodzivirirwa uye inogona kushandiswa chete newe (verenga zvakawanda pamusoro pebhangi yemabhangi inshuwarisi uye credit union inshuwarisi ). Hazvina mhosva kana bhangi ichitsvagwa kana kuenda kumimba - haungarasikirwi chero mari yehupfumi.
Kana iwe ukaramba uchitengesa mari panzvimbo yekuti uisiye mukaunti yekuongorora, uri kutora ngozi. Unogona kubatwa, iwe unogona kuisa mari yacho, kana mari yako inogona kuparadzwa (mumoto, somuenzaniso). Kuongorora maakaiti kuisa dambudziko rose pabhangi.
Mhando dzeKutsvaga Accounts
Kuongorora nyaya kunouya nenzira dzakasiyana-siyana. Bhengi yako inogona kupa mikana yakawanda ine zvikamu zvakasiyana-siyana (sebhuku risina chekuongorora, rekubhadhara mari yepaIndaneti, uye mabasa akasiyana-siyana). Mazhinji mabhangi anopa kadhi yebhadhiro pasina.
Kuchengeta maakaunti kunogona kuva nhoroondo dzevanhu-dzinowanikwa nomunhu kana kuti dzinobatana nevanhu vanoverengeka - uye dzinogona kunge dziine masangano (mabhizimusi, hurumende, zvisina maturo, uye mamwe masangano).
Kuongorora Account Costs
Nenzira, kutarisa mabhesi kwave "kusununguka," asi nhoroondo nhatu dzisina kufanana kupfuura dzaimbova. Kunyangwe iwe uchibhadhara mari yemwedzi kana kwete, iwe kazhinji unobhadhara mari yekuwana kushandisa kero yekuongorora: iwe uchawana zvishoma kana kuti hazvifariri kunze kwekuti iwe uchishandisa chimwe chinhu chakafanana nemubairo uchitarisa kambani .
Kana iwe uchida kutarisa kambani pasina mari yemwedzi, unofanira kukwanisa kuwana imwe. Masangano maduku uye mabhanki eIndaneti ndiyo nzvimbo dzakanaka dzekutarisa. Kunyangwe pamahombekombe makuru, iwe unogona kukodzera kubhadharwa mari yekuisa mari yekuisa mari yako muhote yako (kana kusangana nezvimwe zvinoda).
Kwamuri Kuzarura Aunti
Zvakakosha zvikuru kuti uve nekeri yekuongorora, saka iwe unofanira kuzarura imwe? Tsvaga bhangi rinochengetedza mari yehudiki uye izvo zviri nyore kushanda nayo. Kune vanhu vazhinji, nhoroondo yezvidhinha ne-matumba ndeyekuti: iwe unoda nzvimbo yaunogona kushanyira mukati-munhu (kunyange kana usingaronga kuita izvozvo kazhinji).
Tanga kutarisa maakaunti pamabhenji maduku emunharaunda yako - ivo vanowanzopa pachena kuongorora maakaunti.
Iva nechokwadi chekuisa zvibvumirano zvekwereti mukutsvaga kwako . Aya masangano dzimwe nguva ane mari shoma pakuongorora mabhuku (uye ivo vanowanzova nemari yakanaka yezvikwereti zvakare). Kunyanya, kana chikwereti chekubatana chikamu chechikwata chinowanikwa pamwe chete, iwe uchava nematare akawanda akawanda anowanikwa kushandiswa munyika yose .
Kutarisa mabhidhiyo paIndaneti kunewo mazano akanaka (asi vamwe vanoda kuti iwewo uve neakaita brick-uye-mortar usati watanga nhoroondo yako yepaIndaneti). Ally Bank uye Capital One 360 ndiyo mabhizimisi maviri anozivikanwa muIndaneti anopa pachena kutarisa, uye iwe ungatowana mhindu pamari yako. Kana iwe uri tech-savvy uye iwe kazhinji usingadi rubatsiro kubva kumudzidzisi, kambani yekutarisa paIndaneti inogona kukubatsira iwe kuwana mari yakawanda apo uchichengeta cash cash.
Mazano ekushandisa Account Account
Shandisa zuva nezuva asi zvishoma: zvakare, pfungwa yacho ndeyokushandisa kero yekutarisa yemari yaunoda kushandisa munguva iri mberi. Zvose zvinotofanira kupinda muakaunti yako yekuchengetedza kana imwe nhoroondo yakagadzirirwa zvinangwa zvenguva refu.
Ichengetedze mari inobhadharwa: kuitira kuti iwe ushandise rekuongorora kero yako, iwe unoda kuva nemari mairi. Kana iwe ukanyora cheki kana kuti uinainyorera kuti ubhadhe mari isina kukwana, iwe unogona kupinda mumatambudziko uye unofambisa kubhadhara mari yakawedzerwa. Iva nechokwadi chokuti unoziva kuti mari inowanikwa usati washandisa (iwe unogona kuverenga iyo kana iwe uchienzanisa akaunti yako ).
Ziva zvamunosarudza zvekare: chii chinoitika kana iwe uchiedza kushandisa zvakawanda kupfuura iwe zvaunenge uine mubhuku rako? Icho chinotarisirwa kana iwe usina kusayina nokuda kwekuchengetedza overdraft. Verenga chero mazano emari ekutora mari yakawanda kuitira kuti uzive kuti zvinodhura zvakadini kana ukapfuura ( kuchengetedzwa kwe-overdraft kunogona kudhura, saka ingopinda pairi kana iine musoro).