Ndeapi Yose Imari Yakanaka?
Nzira yakachengeteka yokubhadhara paIndaneti ndeyekuti uve nechokwadi chokuti uri kutarisana nemunhu ane chikwereti chakanaka uye kuti unochengetedza ziso pamabhogi matsvuku.
Pane zvipingamupinyi zviviri zvakakosha kana ukwereta mari paIndaneti.
- Kurasikirwa mari ingirozi chaiye: Vatengesi venhema vanogona kuisa shopu nyore, vanovimbisa nyika, uye vanobhadhara mari yekubvumira chikwereti chenyu. Pakupedzisira, hauna kuwana zvawakabhadhara.
- Kubhadhara zvakanyanya: kunyange kana iwe ukawana chikwereti, ungagumisa kubhadhara zvakawanda (mumari uye mubereko) kumunhu akaipa-achitenga zviuru zvemadhora kupfuura zvakakodzera. Vanokweretesa vanokweretesa vachakupai chikwereti chakafanana nechinguva.
Kuziva kwekuzivikanwa kunoitika apo iwe unopa ruzivo rwako pachako kune vanoziva-mbavha-kana iwe unozvipa kune webhusaiti iyo isingadziviriri zvakakwana ruzivo rwako (kunyange kana isingatori ruzivo nechinangwa chekubata unhu hwako). Zvinhu zvinowanzowanikwa pamakambani ekubhadhara zvikwereti zvakakosha pakuba mazita ako: Nhamba Yako yekuchengetedzwa kwevanhu, zuva rekuberekwa, marenda anhasi uye apfuura, nezvimwewo.
Iwe unogona zvakare kukakavara kuti iwe unorasikirwa kana iwe uchitora nguva yako uchiedza kukwereta kubva kune chikwereti chinyengeri uye uchishandisa nguva yakawanda uchibata nezvose zvekushanda nekutevera.
Kutora Right Right
Kutarisana nemukwereti anokodzera uye anorumbidzwa kunodzivirira matambudziko mazhinji. Nguva dzose tsvakurudza vanokweretesa vari kufunga nezvekushandisa nekuverenga zvose zvakanaka uye zvisina kunaka maitiro. Yeuka kuti zvinhu zvose zviri paIndaneti hazvisi chokwadi, uye iwe unogona kuverenga maongororo kubva kuvashandi kana kuti con artists.
Zvakachengeteka kubhadhara kune unokweretesa wawakanzwa kubva kune imwe nzvimbo yaunovimba nayo.
Usati waisa chikumbiro, chengetedza zvikwangwani ne US Consumer Financial Protection Bureau (CFPB), iyo inochengetedza database yezvikwangwani pamusoro pezvigadzirwa zvemari. Izvo zvikumbiro, uye mhinduro chero ipi zvayo kubva kune chikwereti, inyorerwa paIndaneti mumazuva gumi nemashanu.
Kutendeseka kutenderera kunobva mune zvinyorwa zvaunoziva hazvirevi shills chete kune anokweretesa. Bvunza shamwari dzako nemhuri yako kwavakakwereta, uye kuti zvinhu zvakafamba sei. Iwe unogona zvakare kunzwa nezvevakakweretesa vakanaka kubva kune vanosimudzira mari kana kuti podcasts yepamusoro yemari. Izvo zviri nani, iwe unonyanya kuva nechivimbo kana iwe ukwereta (uye zvishoma kuti iwe uzviwanire uri mumhepo).
Zvishoma zvinyatsovimbiswa zvinofanira kudziviswa:
- E-mail iri kunze kwebhuruu harisi tsime rakanaka remashoko. Spammers vanotumira avo kunze nemamiriyoni, uye hauzombozivi kuti uri kuitei. Ndizvo zvakafanana neyekare-mail ye mail iyo inosvika kumba kwako.
- Kushamiswa kwefoni kusingabvunzi , kunyanya kubva kune nhamba yakavharidzirwa, inoshandiswawo kuti inoshandiswa mukunyadzisa. Kunyange kana ichiita sekuti kudanwa kwakabva kune nhamba yemunharaunda, muchengeti anogona kunge ari kumativi ose enyika. Nezvishandiso zvakafanana ne VOIP (uye kunyange zvishandisi zvepachena seGoogle Voice), chero munhu upi zvake anogona kuwana nhamba yefoni iyo inotarisa nzvimbo.
Kana uri kutarisana nemukweretesi asiri zita reimba, shandisa chenjerera.
Cherechedza Zvitsvuku
Dzimwe nguva vanobatanidza vashandi vanozvipa kure. Paunotanga kutaura nemunhu ane chikwereti, teerera maitiro avanoita musati watapa ruzivo rwako-kana mari yako. Kana iwe ukaona chero ipi zvayo mirefu tsvuku pasi, tsvaga chikwereti chakasiyana.
Kubhadhara mari yepamusoro: vanokweretesa vanokweretwa havatori mari kumberi. Izvo "kutengesa mari" inowanzoshandiswa nembavha, anotsanangura kuti iwe unoda kubhadhara mari yekuti vashandise shandisa yako. Kune zvikwereti zvinokodzera zvinodhura mari yekukumbira, asi iyo inowanzoita zvikwereti zvakakura sekukweretesa kumusha (iwe ungatofanira kubhadhara chikwereti chekwereti, kuongorora, nezvimwe zvakadaro), uye iyo mitero inotsanangurwa zvakajeka-kazhinji pazvakaziviswa zviri pamutemo zvinyorwa. Kana uri kuwana chikwereti chako kana chikwereti chemotokari, mari inofanira kudziviswa.
Kana ukagumisa kubhadhara mari, iwe unogona kuva nechokwadi kuti acharamba achiedza kuwana "yekupedzisira" mari yako kubva kwauri (nguva zhinji) kusvikira uchibata.
Chibvumirano chinovimbiswa : vateresi havasi mune bhizinesi kuti varasikirwa nemari, saka havagoni kuvimbisa kuti vachapa chikwereti kuna ani zvake. Vamwe vanokweretesa vanoda kuwedzera njodzi kupfuura vamwe, asi vachiri kuda kuziva zvimwe nezvemari yenyu uye vanotora njodzi dzinonzwisisika. Kana iwe usina (kana zvakaipa) nhoroondo yechikwereti, hauna mari, uye hapana mari inoshandiswa sechikwata , mutengesi angava sei nechivimbo chokuti vachawana mari yavo? Kana zvinonzwika zvakanyanya kuti zvive chokwadi, zvichida. Vatengesi vanobvuma "ani zvake" vanowanzova vakachenjera kupfuura ivo vanonzwika-vane nzira yekuwana mari yakawanda mukutsinhanisa nekutora matambudziko makuru (zvinoreva kuti muri kubhadhara zvakawanda), kana vari kuedza kuba mari kana data .
Chikumbiro chemari netare kana Western Union: kana ukakumbira chikwereti, uri kuedza kuwana mari-saka nei uchida kutumira mari? Zvakare, zvimwe zvikwereti zvinoda mari yakakodzera, asi iwe unogona kazhinji kubhadhara ne cheki kana kadhi rechikwereti. Kana vanokwereta vachida kubhadhara nekutengesa kutengesa kana mamwe maawa ekubhadhara zvishoma (zvakadai seWest Union kana MoneyGram), zvinenge zvichinyatsoitwa nechemberi. Kana uchinge watumira mari, mari yacho yaenda zvakanaka, uye hazvigoni kuwanikwa kuti ndiani akawana mari. Kune rumwe rutivi, anokweretesa anogamuchira checks anoda kuve ne "clean" account yebhangi kuti aise iyo cheki mu (iyo mitemo inogona kuwanikwa nyore nyore), uye vashandi vekadhi rechikwereti vanokurumidza kupfiga vatengesi vane nhamba yakakura yezvikwangwani.
Unprofessional sales and service: mabhandi haazivikanwi nekushandura kwavo uye kushamwaridzana, asi iwe haunzwisisi kuti uri kutarisana nekushanda-usiku-kushanda. A "yekare" webhusaiti yakazara nemashoko asina kukwana uye zvimwe zvikanganiso zvingava chiratidzo chekuti uri kutarisana nemakororo. Zvokuchengetedza zvikanganiso kubva pakushandura kwako zvakare chiratidzo chakaipa. Pakupedzisira, cherechedza kuti vatengesi vanotaura sei nemwi-kushungurudza, kukwidziridzwa kwepamusoro-soro chiratidzo cheicho chichauya.
Zita remutambo: maonero ekutanga anokosha, uye anotsvaga asina chaicho chaicho kupa kuti asarudze mazita ekutaura-mazita (kana kuvhiringidza mazita). Izwi rokuti "Federal" mumutengo wekwereta haireve kuti hurumende yeUnited States yakatsigira mutengi. Kunyora zita rebhandi guru rine rimwe kana maviri tsamba rakashandurwa ndeimwe nzira.
Mungozi Inotyisa
Zvimwe zvikwereti zvine ngozi pasinei nokuti ndiani unokwereta kubva uye zviri nyore kuwana zvikwereti izvi paIndaneti.
Mari dzinodhura dzakawanda dzinogona kutungamirira kune chikwereti chemhepo inokusiya iwe munzvimbo yakaipa kupfuura iwe waive iwe usati watanga. Payday zvikwereti uye zvikwereti zvemotokari yemotokari zvinonyanya kuzivikanwa nemari yepamusoro inotengesa kudarika uye kupfuura iyo iyo inoguma iri yakaenzana nematatu ane chidimbu yemari.
Vanokweretesa zvisina kukodzera variwo mungozi paIndaneti.
Vanhu vasina chikwereti vanokweretesa havafaniri kukweretesa muhurumende yenyu, asi zvirokwazvo, vanogona kupa zvikwereti uye kuunganidza mari kubva kupi zvako panyika. Tarisa nehurumende yako yehurumende kuti uone kana munhu ane chikwereti ane kodzero yekuita bhizimisi kwaunogara. Vakavimbika vanokweretesa hava "kukanganwa" kunyora kana kubvumira malayisensi avo kupera. Kana iwe uine gakava nechokunze kwekodzero dzemabhiza, iwe unogona kunge uine zvishoma kana kuti hauna mvumo yepamutemo.
Mitemo isiri yemutemo inotora mukana kune avo vanoda chaizvo kukwereta kana vasina maitiro akawanda. Miitiro yakajairika inosanganisira:
- Kubhadhara chikwereti chekudarika chakakwirira pane chakabvumirwa munharaunda yako
- Kuvandudza kana "kupfuurira pamusoro" zvikwereti zvepamusoro zvinowanzodiwa kupfuura iwe nyika inobvumira (iwe unobhadhara imwe mubhadharo nguva dzose izvi zvichiitika, uye chikwereti chako chinowedzera kupfuura nguva)
- "Kuisa" zvinhu zvakadai sehupenyu hwehutano kana hwekuremara muhomwe yako pasina chibvumirano chako
- Kuputsa mitemo yekuunganidza zvikwereti, iyo inogadzirisa kuti vanokweretesa vanobvumirwa sei kuunganidza pane zvikwereti zvisina kubhadhara kana zvisiripo
Vagadziri vemashoko (nevatengesi): pakutsvaga kwako kuendesa zvikwereti paIndaneti, unogona kusvika kune mabhizimisi anotaura zvakajeka kuti "hatitengi chikwereti." Tsvaga iyi izere nheyo dzinotungamirira zvizvarwa, izvo zvinopa ruzivo rwako kune vanokweretesa. Vatungamiri vatungamiri vakanaka pakushambadzira: uri kutsvaga chikwereti, uye vanogona kukubatsira kuwana munhu anoda kupa chikwereti. Nhamba dzakawanda dzewebsite dzinoita izvi uye dzinopa basa rinokosha (paunowana mari shomanana pachikwereti chimwe nechimwe), asi shadier mabasa anogona kukonzera matambudziko. Ngwarira paunopa ruzivo kune dzimwe nzvimbo dzinopikira kutenga makwikwi ako-dzinogona kungotengesa ruzivo rwako rwekutsvaga kune boka revanhu vanokanganisa (kana mbavha dzinosvika) vanozoramba vachiedza kuwana mari mukati mako.
Borrow Wisely
Kukwereta kwakachengeteka zvinoreva kubhadhara zvakakwana zvaunoda uye unokwanisa kubhadhara. Vatengesi vanoda kukupai chikwereti chakakura chinokwanisika (maererano nekuverenga kwavo, izvo zvinobva pane zvamunowana ). Asi iwe haufaniri kukwereta zvakanyanya, uye kazhinji hachisi pfungwa yakanaka kuita kudaro. Kunyange kana iwe uchikwanisa kutenga mari ikozvino , hauzombozivi kuti zvinoshamisa zvinogona kuuya munguva yemberi.