Zvipo uye Kuwana
Marikiti yemari yemari, sezvikwereti zvekuchengetedza, inobhadhara kufarira. Ndiyo nzvimbo yakachengeteka yekuchengetedza mari nokuti ivo vane inshuwarisi yeDFIC kana, kana pane chikwereti chebato, NCUSIF inishuwarenzi .
Iwe unowanzowana mari inofanirwa kubhadhara pane imwe mari yekambani yemari pane iwe uchawana kubva kune imwe gwaro rekuchengeta mari, kunyanya nemari mibare yakawanda, naizvozvo inowanzowanikwa pakati pechipo chekuchengetedza (CD) uye nhoroondo yekuchengetedza iyo iyo inouya pakuwana mikana.
Kufanana nekuongorora maakaiti, mabhizimisi emari yemari anoita kuti zvive nyore kuwana mari yako. Nhoroondo dzakawanda dzinokubvumira kunyora cheki kana kubvisa mari, uye vamwe vanopa kadi yebhadhiro inogona kushandiswa kuitenga. Kuwana nyore nyore, kusanganiswa nemakwikwi emari yekutambira, ndizvo zvinowanzoitwa mari dzekaseti yemari yakasiyana. Mumakore achangobva kupfuura, kuongororwa kwemubairo, kufarira kutarisa mabhengi , uye mabhizinesi eIndaneti zvakanyanyozivikanwa uye zvinopa zvikomborero zvakafanana, asi dzimwe nguva uchawana rubatsiro rwuri nani kubva kumari yemari yemari.
The Printing Fine
Marikiti yemari yemari ine zvimwe zvinhu zvikuru, asi iwe unofanirwa kunge uchiziva zvinhu zvishomanana usati watanga nhoroondo.
Minimum balance: Maaka mari emakambani anowanzodikanwa zvakanyanya zvakakura zvishoma. Iwe unogona kazhinji kuzarura gwaro rekuchengetedza, kunyanya kubhengetwa kwekambani yekuchengetedza, nebhadhiro duku, asi mari yemakethe mari ingangowanikwa chete kana iwe unenge ma $ 2 500 uchiisa munhoroondo.
Kana kuenzanisa kwekero yako kuwira pasi pezvishoma, tarisira kubhadhara mari yemwedzi, izvo zvingadya mukudzoka kwako.
Kutengesa miganhu: Iwe unokwanisa kuwana mari mumari yemari yemakethe, asi kune mirefu. Iwe hauzokwanisi kubhadhara nekadhi rako rekuongorora kana kadi yekutengesa kanopfuura katanhatu pamwedzi nemutemo, uye mamwe mabhengi anongobhadhara zvitatu pamwedzi. Iwe unogona kubvisa mari kazhinji sezvaunoda, asi idzi nhoroondo haisi sechinhu chinoshandiswa sezvinodiwa chekuongorora yako kana zvasvika pakushandiswa kwezuva nezuva.
Chisarudzo chakanaka? Mariko yemari yemari ishandisi yakanaka, asi inogona kunge isiri iyo yakakodzera yezvigadziro zvako. Iwe unogona kuwana mari yakawanda nekushandisa maCD here? Kana ukashandisa rudimbwa rweCD runozivikanwa seCD , unogona kuwana mhinduro dzakanaka paunenge uchichengeta imwe yemari yako mvura-uye yakawanda ichiva mvura munguva pfupi-uye kuderedza chirango chekurumidza kubvisa .
Kana iwe uri kutenga mari kwenguva yakareba, taura neanoronga mari pamusoro pekupi kusanganiswa kwezvikwereti kunogona kukubatsira iwe kusvika pazvinangwa zvako.
Zvakachengeteka here? Kana iwe uchida kuchengeteka, iva nechokwadi chokuti unoshandisa mari yemakemari yemari kubva kubhangi kana chikwereti chebato, iyo ichachengetedza mari yako. Usavhiringidza nhoroondo idzi nemari yemari yemari mutual funds, iyo ine nzvimbo yavo, asi haisi chinhu chakafanana.
Kumbira bhangi rako kana kuti credit union kuti uone kuti mari yako iri inshuwarisi, uye chengetedza mari yako pasi pezvikamu zvakanyanya zvakavharwa.
Iyo Yakanakisisa Kushanda
Marikiti yemari yemari inobatsira mari yaunogona kuida munguva yemberi iri pedyo. Vanokubvumira kuti uwane mari shoma apo uchengetedze mari yacho yakachengeteka uye inowanikwa. Iyo inonyanya kubatsira kune huru, zvisingatarisirwi mari dzakadai se:
- Emergency funds
- Kubhadhara mari yekutengesa mutero wekota
- Chidzidzo
Zvakare, iyi haisi nzvimbo yakanakisisa yekuchengetedza mari yekugara uchibhadhara pamusana pemiganhu yekuti vangani vanoongorora chekubhadhara iwe unogona kuita. Izvozvo zvaiti, iwe unogona kuchengeta mari yezvishomanana zvekudhura kwako kwepamwedzi pamwedzi, zvakadai sekubhadhara mari yako, mumabhuku ekutengesa mari kuti uwane zvishoma zvido.
Marikiti yeMarikiti yeMarike vs. Mari yeMarike Mari
Mari yemusika mari haisi chinhu chakafanana nekambani yemari yemari.
Mari yemusika mari inowanikwa mari inotenga zvikwereti, uye zvinogona kukanganisa mari uchishandisa mari yemari yemari. Havana kuvimbiswa neDFC kana NCUA kufanana neakaunti dzenyu dzakachengetwa kubhangi kana kubhadhara chikwereti. Mari yemusika mari inobatanidza mari inogona kuuya mumhando dzakasiyana siyana uye inopa mikana yekubhadhara mitero, asi mari yemakethe yemari inokupa kuchengeteka.