Chikonzero nei Kusarudzwa Pakati Pekutengesa kana Matenga Matambudziko

Ndiani Anotarisana Kudyidzana Mari?

Paunenge uchitenga nekadhi yebhadharo, iwe unogona kazhinji kusarudza kuita mutengesi kubhadhara kana kutenga chikwereti. Chii chakasiyana? Chisarudzo iwe (kana kuti vatengi vako) chinogadza kuti kutengesa kunoshandiswa sei, mari yekushandura, nguva yakareba sei, uye kodzero dzako.

Vatengi vanosvika pakusarudza kuti vangabhadhara sei, uye vazhinji havanzwisisi kukosha kwesarudzo iyo.

Icho Chibhadharo Here Kana Kuti Chikwereti?

Chisarudzo pakati pebhengi uye chikwereti ndeye musiyano pakati peinternet uye nekutengesa kusina kutenderwa.

"Debit" inoguma mukutengeserana kusina kutenderwa pakutora.

• Iwe uchapinda nhamba yekuzivikanwa iwe pachako ( PIN ) kuti uone kuti uri ani.
• Iwe unogona kukwanisa kutenga mari zvakare navamwe vatengesi.
• Mutengo wemabhizimisi wakaderera, asi mabhengi anogona kutengesa makadhi makadhi ekuwedzera pakusarudza debit.
• Mutengo wacho wapedzeswa pamagetsi, kazhinji kana munguva imwe chete yebhizimisi.

"Chikwereti" chinotungamirira kumatengesi ekuInternet panguva yekutora.

• Iwe uchaisa (pane slip rekubhadhara kana skrini) zvekutengeserana pane kupinda muPIN.
• Kutenga kunowanzoenderera kuburikidza nekadhi kadhikiti (seVisa uye MasterCard).
• Iwe haukwereti mari yakafanana newe iwe nekadhi rechikwereti - mari inobva pakubvumira kwako.
• Zvinogona kutora mazuva mashomanana kuti mubhadhare kurova kero yako, asi kubvumirwa kunogona kusunga mari mukutarisa kwako kwemazuva akawanda.
• Vatengesi vanogona kubhadhara mari yakawanda yekushambadzira.

Chikonzero Nei Zvine Basa

Vatengi kazhinji havana hanya kana kutenga chinhu chekubhadhara kana chikwereti chekutengesa, asi mabhangi nevatengesi vanoita.

Mutengo wemabhizimisi: Mutengesi anotora chikamu chemutengo wose wekutenga kushandiswa. Zvinhu izvi zvinowanikwa pane zvimwe zvinhu (kutengeswa kwechitsauko, kana kadhi iripo kana kuti kwete, uyezve), asi kazhinji inodhura kune vanotengesa kushandura kushandiswa kwekombiji (PIN-based) kutengeswa kupfuura inowanikwa muInternet.

Nokutenga zvishomanana, kunyange kunze kwemari mari inogona kuwedzera kusvika kumazana mashoma ekutenga, kudya kune vatengesi vemagetsi.

Ngani? Durdin Amendment inokonzera kushandiswa kwekadhi yemari yebhadharo kusvika kumakumi maviri nemakumi mashanu ne05 muzana yebhadharo. Chimwe chikamu chimwe chezana chekubiridzira-kudzivirira mitero inobvumidzwawo kune dzimwe nguva. Mitemo iyo inoshanda chete kune "kubhadharwa," iyo inosanganisira makadhi akabudiswa neimwe yepamusoro makadhi ekubudisa. Zvisinei, mamwe makadhi evhidhiyo anogona kukwereta zvakawanda. Semuenzaniso, iyo mitemo inoshanda chete kune mabhangi uye zvikwereti zvekwereti ne $ 10 mabhiriyoni kana kupfuura muzvinhu. Muna 2015, Federal Reserve yakashuma kuti debit kadi yekubhadhara mari inowanzosvika $ 0.24 pamubhadharo. Pakati pevhesi, kubhadhara (zvisina kufirwa) kutengesa kunodhura $ 0.51 pamwero.

Zvinokurudzira kuvakadhi vemakadhi: Kuwedzera mari, mamwe mabhanga anopa vatengesi zvinokurudzira kusarudza chikwereti (kana chirango chokusarudza debit, zvichienderana nekutarisa kwaunoita sei). Munguva yakapfuura, vakapa mari yekutengeserana kwepaIndaneti - kazhinji mubhopupark imwe chete kusvika kune madhora maviri. Kutarisana nezvikwereti uye manzwiro ekuva nickeled-and-dimed, vatengi vanogona kunyanya kusarudza chikwereti. Vanogonawo kupa mibairo semukana wekutarirwa kwechikwata chakanaka ( mumubairo kutarisa maakaunti ), ndege dzemakiromita, kana kupinda mu sweepstakes paunosarudza chikwereti.

Pakupedzisira, mumwe munhu anobhadhara, kana ari mutengesi kana mutengi.

Mutengesi anoshanda pamwe chete: Mabhanisi uye makambani ekugadzirisa mari aizokuda kuti usarudze chikwereti nokuti anowana mazana mashomanana emadhora ose aunopedza. Vatengesi, kune rumwe rutivi, vakakumbira kusiyanisa. Vanosarudza kuti iwe unosarudza debit kuitira kuti varege kubhadhara mari yekutengesa yakawanda. Mune zvimwe zviitiko, vanowedzera zvikwereti zvekwereti rechikwereti (izvo zvisingabvumirwi nekutengesa kadi yebhadhiro pasi pemutemo wehurumende) kune iyo kudarika inodhura kune vatengi vanobhadhara nepurasitiki. Dhidhi kadi shoma imwe nzira, asi mitero yekubhadhara inorambidza izvo zvishoma .

Akaunti inobata: Kusarudza kutenga nebhadharo kana kukwereta chikwereti kunobatanidza nekambani yako yebhangi . Kana iwe wakambobhadhara gasi pamapombi, unoziva kuti iwe shandura kadhi yako usati wasveta gesi.

Mushandisi haazivi mutengo wemafuta waunenge uchatenga, saka muridzi wepafesi anomira kuita zvisarudzo. Kazhinji, vanoongorora kuti vaone kana mune $ 50 kana $ 100 inowanika munhoroondo yako - zvinobudirira kutangisa kutenga chikamu ichocho. Kana mvumo inodzoka, mutengesi "anovhara" iyo $ 50 kana $ 100 kuti iwe usakwanisa kuipedza pane imwe nzvimbo .

Iwe unogona kungova ne $ 10 chete yegasi. Kunyange zvakadaro, $ 100 ichave yakanyongedzwa mubhuku rako kwemazuva mazhinji. Mune mamiriro ezvinhu akaipisisa, iwe uchaguma uchingoridza cheko kunyange zvazvo iwe une mari - haisi kuwanika kuti ushandise . Kana ukashandisa kadi yako yebhadharo yezuva rega rekutenga, unofanirwa kuchenjerera. Nzira mbiri dzekuzvidzivirira dzinosanganisira:

1. Chengetedza mari yakawedzerwa muongororo yako yekuongorora.
2. Shandisa PIN yako kana usina mari yakawedzerwa muongororo yako yekuongorora.

Cherechedza kuti kushandisa PIN yako kuchaita kuti mutengesi ujekese nhoroondo yako nokukurumidza. Zvisinei, kune chekuchengetedza nyaya. Nokupinda PIN yako nhamba, iwe unomhanyira njodzi yokuti mumwe munhu achaiwana. Mbavha (kana kamera yakavanzika) angaona mazita awakarova pakipiki, kana kuti chigadzirwa chemutengesi chinogona kupa PIN yako - ingava nechinangwa kana nengozi.

Kana PIN yako ichipererwa, zvinotyisa zvinokwanisa kutarisa kuongororo yako yekuongorora. Vanogona kuumba makadhi ekutengesa uye kushandisa mari yako, kana kuti vangave vakagadzira kadi yeATM yakaipa kuti vaite mari inodzinga. Kana vachikwanisa kubhadhara kero yako yekuongorora , haungakwanisi kubhadhara zvikwereti zvinokosha. Nenzira yakanaka, makadhi anogadziriswa achagadzirisa njodzi.

Aunti yako inogona kudzivirirwa kubva pakusvibiswa , asi iwe unofanira kutora mamwe mazuva akaoma kana masvondo pasina mari yako apo nyaya yacho yakagadziriswa pabhangi rako.

Kodzero Dzenyu NeDhidhi Kadhi

Makadhi ekubhadharira uye makadhi emakwereti ose anopa kuchengetedza kwevatengi, asi makadhi emakwereti anowedzera . Iwe uchiri kuchengetedzwa kana kadhi yako yekutengesa inoshandiswa nembavha kana mhaka dzinokwidza kero yako mukukanganisa - asi iwe unofanirwa kuita zvakasimba. Kuenzaniswa nezvikwereti zvekwereti , makadhi ekubvisa zvinokuisa pachena kune ngozi yako pachako . Ne makadhi emakwereti, iwe unopera ku $ 50 yemhosva yekushandiswa kwechinyengeri. Uyezve, mbavha ichapedza mari yebhangi - haazobvumi bhokisi rako rekutarisa nekuita kuti iwe uwane cheko hunokosha (kana kukonzera mari yekusakwanira mari).

Uine kadhi yebhadharo, iwe unodzivirirwa sezvinotevera (Chinhu: Federal Reserve uye Federal Trade Commission):

Kurasikirwa kwako kunokwana $ 50 kana iwe uchizivisa iyo yezvemari mukati memazuva maviri ebhizimisi mushure mekudzidza kwekurasikirwa kana kuba kwekadhi rako kana kodeji.

Asi iwe unogona kurasikirwa zvakakwana se $ 500 kana iwe usingauyi mubhadhadzi wekadhi mukati mazuva maviri ebhizimisi mushure mekudzidza kwekurasika kana kuba.

Kana iwe usingaregi kutengeswa kusina kutenderwa kunowanikwa pane chirevo chako mukati memazuva makumi matanhatu mushure mokutumira tsamba yacho kwauri, unoisa pangozi kurasikirwa kusingagumi pamunenge wapihwa pashure pezuva remazuva makumi matanhatu . Izvozvo zvinoreva kuti iwe unogona kurasikirwa nemari yose muakaunti yako pamwe neholo yako yepamusoro yekwereti , kana pane.

Zvichipa njodzi yakawedzerwa yokurasikirwa, pamwe nemusoro wekuisa pangozi kukwanisa kwako kuongorora kero yako, hupenyu hwako hungava nyore kana ukashandisa kadhi rechikwereti kutenga. Ingoribhadhara zvachose mwedzi woga woga kuti urege kuchengetedza mhindu (kushandisa nguva yengoni ). Kunyange zvakadaro, pangave pane dzimwe nguva apo zvakanakira kubatisisa nebhadhidhi makadhi: iwe ungasakwanise kukwanisa kuwana kadhi rechikwereti, unogona kuda kubatsira wechidiki kukudziridza tsika dzakanaka, kana iwe ungasada kuda pfungwa yechikwereti - kunyange chikwereti kwenguva pfupi pasina chikwereti chemhosva. Kuti ugadzirise zvimwe zvezvinetso izvi, shanda mukuvaka chikwereti chako chekwereti kuti uwane makadhi matsva (asingadhura), kana kuedza kadhi yebhadharo yebhadharo risina kubhadhara pasina kuburana zvakananga kuongororo yako yekuongorora.