Ukuvela kwe-akhawunti yedijithali e-United States
E-United States, izinhlelo zokusebenza ze-akhawunti yedijithali ziyindlela evamile yokuphatha izimali zakho. Ngobuchwepheshe obusha obufika emakethe, abantu baseMelika banokufinyelela kwezinye izinketho ze-akhawunti yedijithali, okubavumela ukuthi benze imali ebhange, baphathe ukutshalwa kwezimali kwabo, futhi balandelele izindleko zabo ngesikhathi sangempela.
Izinhlelo zokusebenza ze-akhawunti yedijithali ziyindlela enhle yokwenza lula izinqubo zamabhange ezivamile. Ivumela abasebenzisi ukuthi bafinyelele ama-akhawunti abo noma yikuphi, konga isikhathi nomzamo. Ziphinde zinikeze ukuvikeleka okungcono nokungafihli lutho, njengoba abasebenzisi bengakwazi ukuhlola imisebenzi yabo futhi bathathe isinyathelo ngokushesha.
Izinhlelo zokusebenza ezihamba phambili ze-akhawunti yedijithali e-US
Kunezinhlelo zokusebenza eziningi ze-akhawunti yedijithali ongakhetha kuzo e-US. Uma ufuna uhlelo lokusebenza ukwenza lula ukuphatha kwakho ezezimali, nazi izinhlelo zokusebenza ezingcono kakhulu ze-akhawunti yedijithali e-US:
1. Venmo
I-Venmo iwuhlelo lokusebenza lokukhokha lweselula oluvumela abasebenzisi ukuthi benze imali ebhange ngesikhathi sangempela phakathi kwabangane. Uhlelo lokusebenza lumahhala futhi lusekela amabhange amaningana, okuhlanganisa i-Bank of America, i-Chase, i-Citibank, ne-Wells Fargo. Ukwengeza, isevisi futhi isekela amakhadi esikweletu nawedebhithi. I-Venmo iyindlela enhle kulabo abafuna indlela ephephile nelula yokudlulisa imali phakathi kwabangane.
2. Amakhova
I-Acorns iwuhlelo lokusebenza lokutshalwa kwezimali olusiza abasebenzisi ukuthi batshale ukulondoloza kwabo ezimpahleni ezifana nezitoko, amabhondi, ne-mutual funds. Uhlelo lokusebenza lunikeza isevisi ye-akhawunti yedijithali engasetshenziswa ukwenza ukudluliselwa kwebhange, kanye nokulandelela ukusebenza kwezimali ozitshalile ngesikhathi sangempela. I-Acorns iphinde inikeze i-akhawunti yokonga, engasetshenziswa ukonga imali ukuxhasa amaphrojekthi amakhulu.
3. Imali Ecacile
I-Clarity Money wuhlelo lokusebenza lwamahhala olusiza abasebenzisi ukuphatha izimali zabo. Uhlelo lokusebenza luxhuma ebhange lakho kanye nama-akhawunti okulondoloza futhi lulandelele indlela osebenzisa ngayo imali, okuvumela abasebenzisi ukuthi babone ukuthi bayisebenzisa kanjani imali yabo. I-Clarity Money iphinde inikeze izincomo zokonga imali, njengokukhansela izinsizakalo ezingasetshenzisiwe noma ukunciphisa izindleko zebhange.
4. I-Mint
I-Mint iwuhlelo lokusebenza oluqondene nawe olusiza abasebenzisi ukuthi balandelele izimali zabo. Uhlelo lokusebenza luxhuma kuma-akhawunti asebhange abasebenzisi futhi lulandelele imisebenzi yabo, okuvumela abasebenzisi ukuthi babone ukuthi bayisebenzisa kanjani imali yabo. I-Mint iphinde inikeze izincomo zokonga imali, njengokukhansela izinsizakalo ezingasetshenzisiwe noma ukunciphisa izindleko zasebhange. Ngaphezu kwalokho, isevisi iphinde inikeze ikhadi lesikweletu elibonakalayo ukuze abasebenzisi bakwazi ukuthenga ku-inthanethi.
Ukuqhathaniswa kwezinhlelo zokusebenza ze-akhawunti yedijithali ezihamba phambili e-USA
Ngenkathi zonke izinhlelo zokusebenza ezingenhla zinikezela ngezinsizakalo ze-akhawunti yedijithali, ziyahlukahluka ngezindlela ezimbalwa. I-Venmo ilungele ukudluliselwa kwebhange phakathi kwabangane, kuyilapho i-Acorns inikeza izinsiza zokutshala izimali. I-Clarity Money ne-Mint zinhle kakhulu ekuphatheni izimali zakho, njengoba zinikeza izincomo zokonga imali.
Isiphetho
Izinhlelo zokusebenza ezingcono kakhulu ze-akhawunti yedijithali e-United States zinikeza ngamasevisi amasha ukusiza abasebenzisi ukuphatha izimali zabo. Lezi zinhlelo zokusebenza zivumela abasebenzisi ukuthi benze imali ebhange, balandelele ukutshalwa kwezimali kwabo, futhi baphathe izindleko zabo ngesikhathi sangempela. Izinhlelo zokusebenza ziphinde zinikeze izincomo zokonga imali futhi zingasetshenziswa ukwenza ukuthenga ku-inthanethi.
Uma ufuna uhlelo lokusebenza ukwenza lula ukuphatha kwakho ezezimali, izinhlelo zokusebenza ezingcono kakhulu ze-akhawunti yedijithali e-US zifaka i-Venmo, i-Acorns, i-Clarity Money, ne-Mint. Ngalunye lwalezi zinhlelo zokusebenza luhlinzeka ngamasevisi ahlukile azosiza abasebenzisi bonge isikhathi nemali.
