Ukuba uhlala uhlawula umvuzo njengezigidi zabantu baseMelika, usenokungabi nayo inkxaso-mali ebekelwe bucala iindleko ezingxamisekileyo. Ke xa unengxaki yemoto engalindelekanga, iindleko zonyango, okanye amatyala abalulekileyo ekufuneka ehlawulwe ngexesha, awunakukwazi ukulinda de ube ngumhla wokuhlawula olandelayo.
Abanye ababolekisi phaya bayayiqonda into yokuba nabona bantu banembopheleleko kwezemali bangasokola ukufumana imali ngamanye amaxesha, kwaye banikezela ngemali mboleko ethile yokukunceda ubuyele kumkhondo: iimali mboleko zomhla wokuhlawula.
Imali mboleko yomhla wokuhlawula inika abathengi imali ekhawulezayo abayifunayo ukuhlawula iindleko ezingxamisekileyo. Ukulungiselela ukongezwa okulula, iimali mboleko zomhla wokuhlawulwa kwi-Intanethi zikwenza ukuba ufake isicelo soncedo lwezezimali olufunwa kakhulu kwikhaya lakho. Inkqubo yesicelo esilula kufuneka ithathe kuphela imizuzu embalwa, kwaye phantse nawuphina umhlali waseUnited States unokulungela
Funda ngakumbi malunga nemali mboleko yomhla wokuhlawula kwi-intanethi engezantsi ukuze uthathe isigqibo sokuba ingaba olu hlobo lwemali mboleko luyakunceda na ukuhlangabezana neemfuno zakho zexesha elifutshane. Yiba ngumthengi olumkileyo, kwaye uqiniseke ngokuyiqonda imigaqo kunye neemeko zesivumelwano ongena kuso.
Inani lemali mboleko linokuvela naphi na ukusuka kwi- $ 50 ukuya kwi-5,000 yeedola, kuxhomekeke kwimithetho yelizwe lakho. Imigaqo yesivumelwano semali mboleko isenokwahluka ngokunjalo, kodwa uhlala uhlawula imali mboleko ngomhla wakho wokuhlawula olandelayo. Umbuso wakho unokuvumela ulwandiso lwemali mboleko, kodwa kuya kufuneka uzame ngako konke okusemandleni akho ukuyibuyisa imali mboleko ngexesha ukuba unako. Njengemali mboleko engakhuselekanga, iimali mboleko zomhla wokuhlawula azidingi ukuba ubonelele ngesiqinisekiso njengendlu okanye imoto, ngokungafaniyo nezinye iimali mboleko zexesha elifutshane. Nokuba ungayifumana imali mboleko yomhla wokuhlawula kwi-Intanethi iya kuxhomekeka ikakhulu kwimigaqo yelizwe. Urhulumente wakho unokuba nezithintelo kwimali mboleko, kwaye imigaqo yemali mboleko ihlala ihluka ngakwilizwe. Amanye amazwe akavumeli kwaukuhlawulwa kwimali mboleko yomhla wokuhlawula. Umzekelo, makhe sijonge ilizwe laseCalifornia. Ngokulandela umthetho we-California Deferred Deposit Transaction Law, abathengi bemali mboleko yomhla wokuhlawula abanakufumana iitsheki ngaphezulu kwe- $ 300, kwaye imigaqo yemali mboleko yomhla wokuhlawula ayinakudlula kwiintsuku ezingama-31. Umthetho ukwakhusela abathengi: Xa kufikwa kwimali mboleko ekwi-Intanethi, ababolekisi bemini yokuhlawula abanakubiza imali ephezulu kune-15% yemali mboleko. Njengoko ubona, kuya kufuneka uthathe umzuzwana ukuyaziqhelanise nemithetho yakho yelizweugcwalisa isicelo semali mboleko yomhla wokuhlawula. Nangona imigaqo yemali mboleko yomhla wokuhlawula yahluka ngokwamazwe, inkqubo yokubolekisa ihlala ihlala injalo nokuba uhlala kweliphi ilizwe, ucinga ukuba urhulumente uvumela iimali mboleko zomhla wokuhlawula kwi-Intanethi. Ukufumana imali mboleko yomhla wokuhlawula kwi-intanethi, ndwendwela indawo yomboleki kwikhompyuter yakho okanye isixhobo esiphathwayo kwaye ugcwalise isicelo semali mboleko yomhla wokuhlawula. Uya kudinga ukufaka iinkcukacha zakho zonxibelelwano, ulwazi malunga nomvuzo wakho, kunye nezinye iinkcukacha zakho (jonga iimfuno kwicandelo elilandelayo kweli phepha). Ukuba ufuna uncedo lokugcwalisa usetyenziso, umbolekisi kufuneka abe nenkqubo yokuxhasa abathengi onokuyitsalela umnxeba okanye umthumelele i-imeyile. Emva kokungenisa isicelo, inyathelo elilandelayo lenkqubo yemali mboleko yomhla wokuhlawulwa kwi-Intanethi ibandakanya ukulinda imvume yemali mboleko. Ababolekisi abaninzi bayakuvuma kwimali mboleko yomhla wokuhlawulwa phantse kwangoko, kwaye baya kuthi emva koko bayigcine imali kwiakhawunti yakho yokutshekisha kwiiyure ezingama-24 ezizayo. Xa ugcwalisa inkqubo yokwenza isicelo semali mboleko yomhla wokuhlawula kwi-Intanethi, kuya kufuneka unikezele ngezi nkcukacha zilandelayo: Ukuba awunayo enye okanye ezingaphezulu izinto ezingasentla, abanye ababolekisi banikezela abathengi babo iintlobo ezizodwa zemboleko ezingafuneki ukuba ubonelele ngolwazi oluninzi. Umzekelo, kuya kufuneka unikeze kuphela utyikityo lwakho endaweni yeenkcukacha zebhanki xa usenza isicelo sale mali mboleko. Kuxhomekeka kwimeko yakho, kuya kufuneka uhlangabeze iimfuno ezongezelelweyo xa usenza isicelo semali mboleko yomhla wokuhlawula. EAlabama, umzekelo, kufuneka ubeneminyaka eli-19 ubudala endaweni ye-18. Ihlala ibizwa ngokuba yinkonzo yoqhagamshelo lwemali mboleko, umrhwebi uya kusebenzisa ulwazi lwakho lwesicelo ukukudibanisa nabambalwa ababolekisi bomhla wokuhlawula ngokuthe ngqo abanokugqibezela imali mboleko. Ngaphandle kokubonelela ngeenkonzo ezininzi ukuze abathengi bakwazi ukukhetha eyona ilungileyo, abathengisi abaze naziphi na ezinye izibonelelo. Izizathu zokutsiba umthengisi zibandakanya: Ivenkile Yokuma Ukulahla umrhwebi kususa umntu ophakathi. Ababolekisi bosuku lokuhlawula ngokuthe ngqo bayisingatha yonke inkqubo yokubolekisa ukusuka ekuqaleni ukuya esiphelweni, nto leyo ethetha ukuba uya kuvunywa ngokukhawuleza kwaye ufumane imali yakho kwakamsinya. Kwaye awuyi kuhlawula intlawulo yenkonzo ehlawuliswa ngabarhwebi. Ukuba bucala Ukufumana imali mboleko yakho, umrhwebi kufuneka abelane ngeenkcukacha zakho. Ukuba awufuni umntu obolekayo wesithathu afumane ukufikelela kulwazi lwakho ngemithombo yedatha, ababolekisi bosuku lokuhlawula ngokuthe ngqo banikezela ngenkqubo yesicelo eyimfihlo ngakumbi. Ukuthembeka Ukuba ukhetha umbolekisi wemali-mboleko yomhla wokuhlawula kwi-intanethi omthembileyo, awuzukuba naxhala malunga nokwabelana ngolwazi lwakho nabanye abantu, abanokubabambisa. Ngenxa yenqanaba eliphezulu lenzala, ukuthembela kwiinkonzo zemboleko yemihla yokuhlawula akufuneki kube ngumkhwa wezezimali wexesha elide. Okwangoku, unokusebenzisa imali mboleko yomhla wokuhlawula kwiimeko ezininzi, kubandakanya oku kulandelayo: Iindleko ezingxamisekileyo Nokuba uhlalela njani uhlahlo-lwabiwo mali, ngamanye amaxesha imeko engxamisekileyo iyenzeka, kwaye kufuneka ukhusele imali engalindelekanga. Mhlawumbi imoto yakho yonakele, indlu yakho yangenwa ngamanzi, okanye walala esibhedlele. Nokuba siyintoni na isiganeko, imali-mboleko yomhla wokuhlawulwa unokufumana ngokukhawuleza imali oyifunayo ukuze uhlawule ezo nkcitho zongxamiseko. Uwe ngasemva ekuhlawuleni amatyala Sonke sicwangcisile iindleko ekufuneka sizihlawule: irente, izinto eziluncedo, ukutya, amakhadi etyala, uluhlu luyaqhubeka. Ukuba uyasilela ukuhlawula amanye amatyala ngexesha, ungazifaka emngxunyeni onzulu wezemali ngeendlela ezahlukeneyo zentlawulo, kubandakanya ukubambezeleka, ukugqithisa ngaphezulu, ukuphinda uqhagamshele, kunye nabanye- ungasathethi ke ukuba amanqaku akho etyala aya kubetha xa ndiphose iintlawulo zakho. Ngethamsanqa, ukufumana imali mboleko yomhla wokuhlawula kunokukunceda uhlale ungaphezulu-nje ungangeni kumjikelo wetyala ngokukhupha kanye ngenyanga. Awunakho ukufumana iMali mboleko encinci okanye yeXesha elifutshane kwiBhanki Ukuba unamanqaku aphantsi etyala, unokuba nexesha elinzima lokufumana imali-mboleko ebhankini okanye komnye umbolekisi wemveli. Kwaye, inkqubo yemali mboleko inokuba nzima: Kuya kufuneka wenze idinga lokubonana negosa lemali mboleko ebhankini kwaye ugcwalise isicelo eside-kwaye ekugqibeleni, usenokungayifumani imali-mboleko. Okanye, mhlawumbi awuyigcini imali yakho kwiakhawunti yebhanki. Ngo-2019, i-US Federal Deposit Insurance Corporation yavavanya inani lamakhaya ayi-7.1 ezigidi. Kule meko, awungekhe uvele uye ngqo ebhankini kwaye ucele imali mboleko. Nokuba yeyiphi na indlela, unokujika uye kusuku lokuhlawula kwangaphambili xa uzifumanisa ungafakwanga yinkqubo yebhanki. Awunakho okanye awuyi kuboleka usapho okanye izihlobo Ukucela imali kumhlobo okanye kwilungu losapho kunokubangela iimvakalelo zokuziva uneentloni kunye nokuba netyala, ngakumbi ukuba sele uboleke kubo izihlandlo ezininzi kwixa elidlulileyo. Kuya kufuneka ujonge uxinzelelo oluza nokuhlawula umntu lowo, onokonakalisa ubudlelwane. Nokuba ufuna ukunqanda umdlalo wosapho, abantu obathandayo bakunqumamisile emalini, okanye abanandlela yakuboleka imali kwasekuqaleni, imali mboleko yomhla wokuhlawula kwi-Intanethi iya kukunceda ukuba uhlale unengqiqo malunga nemicimbi yakho yezemali. Ukufikelela kwiZibonelelo zeXeshana Ngamaxesha athile, ungagcina amakhulu okanye amawaka eedola ukuba uthenga imveliso ngexesha elifanelekileyo, kodwa kuthekani ukuba awunayo imali emva koko? Logama intengiso izakukugcinela imali engaphezulu kunokuba kuya kufuneka uhlawule kwimali mboleko, iimali mboleko zomhla wokuhlawula zingakunceda uthathe ithuba lokufumana izibonelelo ezizodwa obekufanele ukuba uzidlulise ngelixa ulinde umhla wakho wokuhlawula olandelayo. 
Ngokusisiseko ukuhlawulwa kwangaphambili komhla wokuhlawulwa, imali mboleko yomhla wokuhlawulwa kubandakanya ukuthatha imali encinci, engakhuselekanga yemali mboleko elingana nenxalenye yomvuzo wakho olandelayo. Endaweni yebhanki uboleka le mali-mboleko kumbolekisi womhla wokuhlawula. Ndingayifumana iMali mboleko yoMhla wokuHlawula kufutshane nam?
Isebenza njani iMali mboleko yomhla wokuHlawula kwi-Intanethi?
Yintoni efunekayo kwimali mboleko yomhla wokuhlawula kwi-Intanethi?
Ababolekisi bemali mboleko yomhla wokuhlawula ngokuchasene nabarhwebi
Izizathu zokuba kutheni unokufuna iMali mboleko yoMhla wokuHlawula ngokukhawuleza
Ngelixa umbolekisi wosuku lokuhlawula angaqhuba itshekhi ngaphambi kokuba anike imvume yemali mboleko, awudingi ukuba ube namanqaku aphezulu okufumana ikhredithi yokufumana ityala apha kunokuba ubuya ebhankini. Ngapha koko, abanye ababolekisi ngemini yomvuzo ababandakanyi itshekhi njengenxalenye yenkqubo yabo. 
