Imigomo ye-5 yokukhetha ibhange elingcono kakhulu elwandle

1. Ukusimama kwezomnotho nezepolitiki kwamandla aphesheya kwezilwandle

Uma ucabanga ngokuntengantenga kwamanje komnotho womhlaba kanye nokungazinzi kwezepolitiki, kunengqondo ukuvikela izimpahla zakho endaweni ethembisa ukuphepha okungcono kunezwe lakini. Ukuphequlula nge-inthanethi, nakanjani uzohlangabezana nezinhlu ezinzima nezinde zamazwe anentela okufanele uzicabangele ngaphambi kokuhlikihla ubuchopho bakho nganoma yisiphi isixazululo sebhange nokuvikelwa kwengcebo yakho. Ungesabi, ngobuchwepheshe bethu emithethweni nasekuvikelweni kwamakhasimende kwama-akhawunti asebhange aphesheya kwezilwandle ezindaweni eziningi ezahlukahlukene, silapha ukunikeza izixazululo ezihlangabezana nokulindela kwakho.

2. Isithunzi sebhange

Ngohlu olude lwamabhange asogwini emhlabeni jikelele, yiziphi izindlela okufanele uzicabangele? Kungabonakala njengokujwayelekile ukuthi amabhange anezinqubomgomo ezilula zokwamukela amakhasimende angathathwa njengezingozi eziphakeme, ngezinsizakalo ezisezingeni eliphansi kunamabhange anezinqubomgomo eziqinile. Enye inkolelo ejwayelekile ukuthi amabhange amakhulu ezinkampani zomhlaba wonke ayizindawo ezihloniphekile neziphephile zomcebo wakho kanye nemfihlo yolwazi lomuntu siqu. Kodwa-ke, into ehlakaniphile ongayenza ukubuza okulandelayo.

• Ngabe ibhange linempilo yini?
• Ibhange lizoyiphatha kanjani imali yami?
• Hlobo luni lwemikhiqizo / izinsizakalo ezinikezwa yibhange?
• Ngabe ibhange lifake inqubomgomo ephephile ye-AML, ehambisana ngokuphelele ne-IRS nokunye okunjalo?

Ukuphendula imibuzo enjalo kuzokuholela ekutheni ukhethe ibhange elifanele neliphephile lebhizinisi lakho, ngokuya ngezinqumo ezinolwazi.

3. Ukulawulwa nokuvikelwa kwabathengi

Ukungaguquguquki kokuvikelwa kwamakhasimende kungenye yezinto ezibaluleke kakhulu okufanele uzinake ngokungathi sína. Ukuvikelwa kwamakhasimende okuhle kuzokwazi ukumboza ingcebo yakho oyifakile uma kwenzeka ibhange liqothuka. Hlola kabili ukuvikelwa okuhlinzekwa yibhange lakho elihlosiwe namandla alo ngaphambi kokukhetha ikhaya le-akhawunti yakho entsha yasebhange elingasolwandle.

4. Yikuphi izinhlobo ze-akhawunti ezikufanelayo

Udinga ukunquma ukuthi amabhange anezinsizakalo ezahlukahlukene zama-akhawunti ebhizinisi. Cabanga ngokucophelela ukuthi ngabe inkampani yakho iyayidinga yini ngempela i-akhawunti yemali eningi, ukuthi uyakwazi yini ukugcina ibhalansi eyanele ukuze uzuze ohlotsheni lwe-akhawunti yabo yokuqala, noma uma i-akhawunti yakho yebhizinisi izohambisana nabanikezeli abaningi bezinsizakalo zokukhokha.

5. Ukuphrinta okuncane kanye nemigomo nemibandela

Okokugcina, kudingeka uqiniseke ukuthi uyayiqonda futhi uyayamukela imigomo nemibandela ye-akhawunti yakho yasebhange ngaphambi kokusayina kulayini onamachashazi. Lokhu kuzokunikeza ukuqonda okuphelele futhi okucacile mayelana ne-akhawunti yakho yasebhange engaphesheya kwezilwandle, njengezibopho zomnikazi we-akhawunti noma ubuhlobo obuncane nebhange. Lokhu kungaba, ngokwesibonelo, ngohlobo lokonga, utshalomali, imali ebanjwayo kanye / noma amabhalansi we-akhawunti yamanje. Kungahle kube nokuhlinzekwa okuthokozisayo okufana nokufakwa kwemali yesikhashana kanye nezinzuzo ezivela ezintweni ezithile ezifana nomshuwalense wokuhamba noma ikhava yokuthuthwa kwezimo eziphuthumayo njll. ungahle ungene enkingeni uma ususetshenziswa ngokweqile noma usebenzisa i-ATM yamazwe omhlaba.