Ndeipi Bhenji Ndiyo Yakanakisisa?
Chii Chaunoda Nhasi? Mumakore mashanu?
Iwe unogona kunge une chikonzero chekutarisa mabhengi ebhengi, uye iwe unoda kuwana zvaunoda zvinodiwa.
Somuenzaniso, zvichida unoda nzvimbo yekuisa mubhadharo wako , kana iwe unotarisira kushandisa bhagheni inodhura mari shoma kupfuura ibhenji yako ikozvino. Zvakanaka uye zvakanaka, asi svetura kunze uye funga nezvekuti zvido zvako zvinogona kuchinja mumakore anotevera. Chengetedza zvido zvemangwana mupfungwa sezvaunoongorora mabhengi.
Zvinhu zvinochinja, uye zvakaoma kufanotaura remangwana, saka vanhu vakawanda vanotanga nekuisa pfungwa pakuongorora uye kuchengeta maakaunti.
Mitengo uye Mari
Nyatsoteerera kumitengo nemari apo iwe unotengesa bhangi: iwe uchawana mari yakawanda sei pakuchengetedza, iwe unobhadhara mari yakawanda sei kune zvikwereti, uye iwe unobhadhara mari yakawanda sei yekugadzirisa uye kutengesa?
Kuongorora nekuchengetedza, mari shoma inokosha zvikuru. Kakawanda kechikwereti chechido chekugadzirisa hazvizokugadziri kana kukuputsa mari, asi mwedzi wekugadzirisa mari yekuchengetedza uye mikukutu yepamusoro yekubhadhara mari inogona kuita dent yakakomba munhoroondo yako.
Kana zvasvika pakuwana chido chekuchengetedza kana zvigwaro zvekuisa (CDs) , kunyange mutsauko we1% APY ungasave wakakosha.
Kana iwe uine $ 3,000 chete mukuchengetedza, ihwo musiyano we $ 30 pagore pakati pemabhengi. Kana imwe yebhangi iyo inokwereta $ 10 pamwedzi chete kuti uchengetedze nhoroondo yako yakazaruka, chisarudzo chaicho ndechokuenda nebhadhiro ripi rine mari shoma.
Kana ukwereta mari, haufaniri kubhadhara kubva kubhangi rako. Iwe unogona kuwana chikwereti kubva kune chimwe chinhu chitsva chekweretheni kubatanidzwa paunotenga motokari, somuenzaniso (kutenga kubva kune mumwe mutengesi kunogona kuita kuti iwe uwane kodzero yekuva nhengo yeyo chikwereti chikwereti).
Kune huwandu hwakanaka hwemaInternet hunokweretesa kunze uko zvakare - vanowanzobhadhara mari shoma kudarika mabhenji emunharaunda uye zvikwereti zvemari. Kana ukweretesa kutenga imba , mutengesi anotengesa mari anogona (uye anofanirwa) kutengesa kune vakawanda vakweretesa iwe - uye iwe haufaniri kuva mutengi pane imwe nguva yebhangi.
Mhando dzeBhangi
Kune marudzi akawanda e "mabhengi" aunogona kushandisa. Vakawanda vavo vanopa zvinhu zvakafanana nemashandiro (kunyanya kana iwe uchitsvaga kuongorora kana kuchengeta maakaiti uye kadi yebhadhiro yekushandisa ), asi kune kusiyana.
Mabhanki makuru mazita maunoziva. Uchaona matavi mazhinji pamakona mumigwagwa mumaguta makuru, uye iwe unoverenga pamusoro pavo munhau. Aya masangano ane maitiro ehurumende (uye kumarudzi akawanda).
- Mishonga nemishandiro zviripo: chero chinhu chipi zvacho chaunogona kufungidzira (nezvimwe)
- Mitero inowanzove iri kumusoro, asi zvinokwanisika kuwana mari yakasunungurwa (pamwe nebhadhiro yakananga, somuenzaniso)
- Mari inoshandiswa pakuchengetedza uye maCD hawanzove yakakwirira
- Nzvimbo dzebazi neATM dzakawanda kana iwe uchitarisira kubhengi uri munhu
Mabhenji emunharaunda anoshanda munzvimbo duku. Vanowanzova nehuwandu hwemunharaunda munharaunda, uye ivo chikamu chinokosha chehupfumi hwenyu.
- Mishonga nemishandiro zviripo: kune vashandi vakawanda, zvose zvamunoda (mabhizimusi makuru uye ivo-vapfumi vangada kuwana mamwe mabasa kubva kune vamwe vanopa)
- Mitero inowanzova yakananga, uye mari inosungirwa inowanzowanikwa
- Mitengo ine mari uye maCD inowanzosiyana, asi tarisa kuparidzirwa "specials"
- Nzvimbo dzebazi neATM dzinowanikwa munzvimbo yako, asi iwe unogona kubhadhara kunze kwe-network mitero kana bhangi risingabatanidzi munharaunda yenyika yeATM.
Zvikwereti zvekwereti hazvisi zvekushandiswa kwemasangano ane chinzvimbo chakasimba chevanhu . Kuti uzarure nhoroondo, iwe unoda kukodzera uye ubatane se "nhengo," asi izvi zvinowanzo nyore pane iwe unofunga .
- Mishonga nemashandiro anowanikwa: kune vashandi vakawanda, zvose zvaunoda (zviduku zvidhinari zviduku zvingaita zvishoma nezvishoma, asi iwe unogona kugara uchingowana kuongorora uye kuchengetedza maakaiti)
- Mitero inowanzova yakaderera, uye zviri nyore kuwana rusununguko rwekutarisa
- Mari inodhengetwa uye maCD anowanzokwirira kupfuura mabhanga makuru, asi akadarika mabhanki eInternet
- Nzvimbo dzebazi neATM dzine zvishoma-kunze kwekuti chikwereti chenyu chikwereti chikatora mubasa rakagoverwa (vazhinji vavo vanoita), iro rinopa zviuru zvezvimbo dzakasununguka munyika yose
Mabhenji epaIndaneti akazvisimbisa ivo sechinhu chakasimba, uye zvakakosha kuva ne-online-peji iyo kunyange iwe usingashandisi nguva dzose. Izvozvo zvakati, kuenda 100% paIndaneti nemari yako kunogona kuva kunonyengera - nzvimbo dzepanyama dzinoshumira chinangwa
- Mishonga uye mazano anowanika: kusingabhadhara kusinganisi uye kuchengetedza mabhuku ndiko kukwezva kukuru, asi zvimwe zvigadzirwa zvinogona kuwanikwa
- Mitero inowanzove yakaderera - akawanda maakare ari akasununguka kunze kwekuti iwe uchinge wadzidza cheki kana kukumbira zvimwe zvekutengesa (kufanana netambo inoshandiswa , somuenzaniso)
- Mari inowanikwa mari uye maCD zvinowanzopfuura iwe unogona kuwana chero kupi zvako
- Nzvimbo dzebazi neATM hazvipo, asi mabhanki ari muIndaneti anobatanidzwa mune zvakasimba mitambo yenyika kana kuti vanobhadhara mari yeATM (kusvika pamiganhu yakati)
Zvose zvemhando dzebhangi dzakanyorwa pamusoro apa dzinogona kupa mabhizinesi makuru ekuongorora maakaiti uye mamwe mabasa.
Teknolojia uye Kugutsikana
Sezvaunoderedza pasi rako, ona zvinhu zvinokosha zvaunoshandisa pazuva nezuva. Iwe hausi kuda kuita nebhangi rako kuti uve nhamo inosuruvarisa.
Remote deposit: kana iwe ukazombobhadharwa nekokuona kwepanyama, nzira inonyanya kuisa iyo ndeyekutsvaga mufananidzo nebasa rebhangi rako .
Bhengi kuendeswa kwebhangi: tarisa mabhengi anopa hurumende yekutengesa kune mamwe mabhengi ebhangi. Izvo zviyero nemabhanki akawanda ari muIndaneti, asi mabhangi-uye-matumba mabhenji anogona kuzviita zvakare. Izvi zvinoita kuti zvive nyore nyore kushandisa mari yako uye kuchinja mabhenji.
Kutumira mameseji uye kunyeverwa kwemaimeri: tose tinobatikana, uye zvakanaka kutora misoro kubva kubhangi rako kana chimwe chinhu chiri kuitika munhoroondo yako. Iwe unogonawo kutsvaga kukurumidza kushandiswa pabhangi rako rekuenzanisa pasina kupinda muakaunti yako. Mabhangi ane mazita ekutumira mameseji uye zvinyorwa zvinongoerekana zvaita kuti mabhengi ave nyore.
ATM inotora: kuenda kunebazi panguva yebhengi haisi nguva dzose inogona kuitika (kana inenge yakakodzera). ATM inokubvumira kubhengi purogiramu yako , uye kunyange kuwedzera mari kune mamwe mabhanki eIndaneti.
Maawa eBhangi: kana iwe ukazoita bhengi uri munhu, maawa awa akakodzera zvido zvako here? Mamwe mabhengi uye zvikwereti zvemakwereti zvinopa vhiki yevhiki uye manheru masikati (zvichida pamotokari-kuburikidza).
Shoko Nezvokuchengetedza
Mabhangi anofanirwa kuva nzvimbo yakachengeteka yemari yako. Iva nechokwadi chokuti chero imwe nhoroondo yaunoshandisa inishuwarenzi, zvichida nehurumende yeUnited States:
- Mabhangi anofanira kubatsirwe neDFIC inshuwarisi
- Federally insured mvumo yekubhadhara chikwereti inofanira kutsigirwa neNCUSIF
Kana bhengi kana chikwereti chikwereti chikakundikana , iwe haufaniri kurasikirwa nemari chero bedzi mari yako iri pasi pemiganhu yakakwana (ikozvino $ 250,000 pamudzidzi wega wega nebazi, uye zvinokwanisika kuva ne $ 250,000 ye "yako" mari yakavharwa mubhangi) .
Kuvhura Maakaiti
Kana ukasarudza kambani, inguva yekuenda kuburikidza nemitemo yekuzarura nekubhadhara mari yacho. Dzimwe hurumende dzinokuita kuti uite zvose zviri paIndaneti , uye izvi zvinokurumidza uye nyore nyore kana iwe uri tech-savvy. Kana zvisingaiti, ronga kuratidzwa kushizha, uye uuye nechishuwo uye chekuisa mari (cash works, kana iwe unogona kunyora cheki kana kuti uwedzere kutengesa magetsi).
Kana uri kutamira kune bhangi idzva, shandisa chinyorwa kuti uone kuti hapana chinowira kuburikidza nekuputsa . Iwe hausi kushaya kukweretwa kana kubhadhara mari yezvimwe zvikanganiso.
Multiple Accounts
Pamwe hapasi imwe bhadha yebhangi yakanakisisa kunze uko. Mabhanga akasiyana ane simba rakasiyana. Mabhanki ari paIndaneti anopa chikwereti chikuru pane zvamunowana. Vanokweretesa paIndaneti uye zvikwereti zvekwereti ndezvakanakisisa zvekukweretesa kwemari uye auto chikwereti. Zvakanaka kuva neakawanda yebhangi yebhangi - kuchenjera kuti uwane zvakanakisisa nharaunda kupi zvako kwaunogona kuwana. Chero bedzi iwe usingiri kubhadhara mari yakawanda kune mabhengi mazhinji, unogona kuva neakawanda mabhengi sebhangi sezvaunoda.