UkuShintshaniswa kweMali yeeSiseko zeeTyelelo
Ukuba uhambo lwakho lokuhamba luya kuthatha kwelinye ilizwe, kuya kufuneka unqume ukuba nini, phi kwaye uza kuguqula njani imali yakho yokuhamba kwimali yendawo. Uzakufuna ukuthatha izinto ezininzi kwi-akhawunti, kubandakanywa nemirhumo yeerhafu.
IiRhafu zokuThengiswa kwemali
Isantya sokutshintshiselana ngemali sitsho ukuba imali yakho ibaluleke kangakanani kwimali yendawo. Xa utshintshisa imali yakho, uyayisebenzisa ukuyithenga okanye ukuthengisa imali yangaphandle kwixabiso elithile, esibiza ngokuba ngumlinganiselo wokutshintshwa.
Unokufumana umyinge wokutshintshiselwa ngokusebenzisa umguquli weemali, ukufunda iimpawu kwiibhanki zendawo kunye nenkampani yokutshintshiselana ngemali okanye ngokutshekisha iwebhusayithi ye-website yolwazi.
Abaguquleli bemali
I-converter yemali isixhobo esichazela ukuba inani elinikiweyo lemali lifanelekile kwimali yangaphandle kwizinga lokutshintsha. Akuyi kukuxelela ngemali okanye iikhomishini onokuyihlawula ukuze utshintshe imali yakho. Kukho ezininzi iintlobo zabaguquleli bemali.
IiWebhsayithi
I-X e.com kulula ukuyisebenzisa kwaye ilayishwe ngolwazi. Ezinye iindlela ziquka i-Oanda.com ne-OFX.com. Umguquleli weemali zeGoogle unamathambo, kodwa isebenza kakuhle.
Iifowuni zeeFowuni
I-Xe.com inikeza ii-apps ze-converter zemali zamahhala ze-iPhone, i-iPad, i-Android, i-BlackBerry kunye ne-Windows Phone 7. Ukuba awufuni ukukhuphela i-app, i-xe.com inikeza isayithi yemali yeselula eya kusebenza kuyo nayiphi na ifowuni yeselula kunye nokuxhumeka kwe-Intanethi. . I-Oanda.com kunye ne-OFX.com inika iinkonzo eziphathekayo.
Abaguquleli beeMali-bodwa
Ungathenga isicatshulwa ngesandla esitshintsha enye imali kwenye. Uzakufuna ukufaka umyinge wokutshintshwa kwemali nganye ngosuku ukuze usebenzise i-converter ngokufanelekileyo. Abaguquleli bemali bayasebenza ngoba ungayisebenzisa ukujonga amaxabiso kwiivenkile kunye neevenkile, abasebenzisi idatha yakho ye-smartphone kunye nolwazi olufunekayo kuphela olufunekayo ukungena kwizinga lokutshintsha imali.
Calculator
Ungasebenzisa i-calculator yefowuni yakho yeefowuni ukufumana iindleko zezinto kwimali yakho yasekhaya. Uya kufuneka ukhangele izinga lokutshintshana ngalolo suku ukwenza oku. Ngokomzekelo, cinga ukuba into iyathengiswa nge-Euro ezingama-90 kunye ne-Euro ukuya kwi-dollar ye-dollar i-$ 1 = 1.36 ii-Euro. Yandisa inani kwi-Euro nge-1.36 ukufumana intlawulo kwiidola zase-US. Ukuba izinga lakho lokutshintshiselwa, kunoko, lichazwe kwiidola zase-US ukuya kwiiYurophu, kwaye izinga lokutshintshiselwa yi-$ 0.73 ukuya ku-1 Yurophu, kufuneka uhlulwe ixabiso kwiiYuro ngo-0.73 ukufumana intlawulo kwiidola zase-US.
Thenga amaxabiso kwaye uthengise amaxabiso
Xa utshintshisa imali yakho, uza kubona amaxabiso atshintsho ahlukeneyo athunyelwe. Intlawulo "yokuthenga" isantya apho iofisi yebhanki, ihotele okanye yokutshintshiselana ngemali iya kukuthengisa ngemali yayo yasekhaya (ayithenga imali yakho), ngelixa ixabiso "lokuthengisa" liza kuthi bathengise lona ngaphandle (umz. lakho lendawo). Umahluko phakathi kweerhafu zokutshintshiselana ezimbini yinzuzo yabo. Iibhanki ezininzi, ii-ofisi zokutshintshiselana ngemali kunye neehotele nazo zihlawulisa intlawulo yenkonzo ephathekayo ukuze utshintshe imali
Imali yoTshintsho lweMali
Ukutshintshiselana kwemali ayikho inkululeko. Uya kuhlawuliswa intlawulo, okanye iqela lemirhumo, ngexesha ngalinye utshintshe imali. Ukuba ufumana imali yangaphandle evela kwi-ATM, uya kuhlawuliswa imali yokuguqula imali ngebhanki yakho.
Unokuhlawulwa intlawulo yomthengi, njengokuba wawuya ekhaya, kunye nomrhumo ongekho umthengi / engekho kwinethiwekhi. Imirhumo efana neyosebenzayo xa usebenzisa ikhadi lakho lekhredithi kwi-ATM ukufumana kwangaphambili imali.
Imirhumo iyahluka nge-bank kunye ne-exchange exchange office, ngoko unokufuna ukuchitha ixesha elincinci uphando kunye nokuthelekisa iimirhumo ezihlawulwe yiibhanki oziqhelekileyo zisebenzisa.
Ungayitshintsha phi imali yakho?
Kukho indawo ezininzi onokutshintshiselana ngemali, kuxhomekeke apho kwaye nalapho uhamba khona.
Ekhaya
Ukuba unayo i-akhawunti kunye nebhanki enkulu, unokukwazi ukulawula imali yangaphandle ngaphambi kokushiya ekhaya. Imirhumo yoTshintshelo lwalo hlobo lwemyalelo weemali ingaba phezulu, ngoko yenza izibalo ngaphambi kokuba wenze isigqibo sokuba ulandele imali evela kwibhankini yakho. Ungathengela imali yangaphandle ngaphandle kwemali okanye kwikhadi lokubhadela imali evela kwiTravelex. Oku kunokuba yinto ekhethileyo, njengoko awuyi kufumana inqanaba lokutshintshisana kakhulu kwaye uya kufuneka uhlawule intlawulo yokuhambisa ukuba u-Travelex uthumele imali okanye ikhadi kwikhaya lakho okanye kwisikhumulo sezindiza.
Amabhanki
Emva kokuba ufike kwindawo oya kuyo, unokutshintshiselana imali kwi-bhanki. Yenza ipasipoti yakho ukuchonga. Lindela inkqubo yokuthatha ixesha elithile. (I- Tip: Ezinye iibhanki, ikakhulukazi e-US, ziya kutshintshiselana imali kuphela kumakhasimende abo. Yenza uphando ngaphambi kokuba uhambe ekhaya ukuze ungabanjwa ngothushe.)
Amashishini aXhoxisiweyo (ATM)
Emva kokuba ufike kwilizwe lakho eliya kuyo, ungasebenzisa ikhadi lakho lokubambisa, ikhadi lokubhadela elikhekheweyo okanye ikhadi lekhredithi kwii-ATM ezininzi ukurhoxisa imali. Phrinta uluhlu lwe-intanethi ye-Visa kunye ne-ATM ye-MasterCard ngaphambi kokuba uhambe ekhaya; Oku kuya kwenza ukuba i-ATM yakho ingacindezelekanga. (I- Tip: Ukuba ikhadi lakho linenombolo ye-PIN eneenombolo ezintlanu, kuya kufuneka ukuba ibhanki yakho iyitshintshe kwi-PIN yedijithi ezine ngaphambi kokuba uhambe ekhaya.)
IiApeports kunye neeSeaports
Iinqwelo-moya ezininzi kunye nakwii-medium size, kunye neenqwelo zengxowankulu, zinikezela ngeenkonzo zokutshintshiselana ngemali (ngokuqhelekileyo ziphawulwe "i-Bureau of Change") ngeTravelex okanye enye indawo yokuthengisa ngaphandle. Iindleko zokuthengwa zivame ukuphakama kumaziko okutshintshiselana ngemali, kodwa kufuneka uqikelele utshintshiselwano lwemali encinci kwisiza-moya sakho sokufika okanye i-seaport ukuze ulandele ude ufumane i-ATM okanye ibhanki. Ngaphandle koko, awukwazi ukuhlawula ukukhwela kwakho ehotele okanye ekudleni kwakho kwasekuqaleni ezweni.
Amahotele
Ezinye ihotele ezinkulu zibonelela ngeenkonzo zokutshintsha imali kwiindwendwe zazo. Le nto ihlala yindlela ebiza imali yokutshintshiselana ngemali, kodwa unokufumana unombulelo ngale khetho ukuba kwenzeka ukuba ufike kwilizwe lakho eliya kuyo ngosuku apho iibhanki kunye neeofisi zokutshintshiselana ngemali zivaliwe.
Iingcebiso zokuThengiswa kweMali
Tshela ibhanki yakho malunga nohambo lwakho oluzayo ngaphambi kokuba uhambe. Qiniseka ukuba unike ibhanki ummeli uluhlu lwawo onke amazwe oceba ukutyelela. Oku kuya kuthintela ibhanki yakho ukuba ibeke ibhloko kwiakhawunti yakho kuba iphethini yakho yokuthengiswa ishintshile. Ukuba uceba ukusebenzisa ikhadi lekhredithi elikhishwe ngumbutho wesikweletu okanye umnye umbutho (umz. I-American Express), qha ga mshelana nenkampani yekhadi lekhredithi.
Ngoxa ukurhoxisa imali eninzi yemali kwi-ATM kuya kunciphisa iindleko zakho zentengiselwano ngokubanzi, akufanele uphathe loo mali kwikhredithi yakho. Gcina imali ebhanti kwaye ubeke imali yakho.
Qaphela indawo oyijikelezayo njengoko ushiya i-ATM okanye ibhanki. Amasela ayazi apho ikhona imali. Ukuba kunokwenzeka, tyelela iibhanki kunye nee-ATM ngexesha leentsuku zokuhlwa.
Yenza ikhadi lokuthenga ngetyala okanye ikhadi elikhethiweyo lokubanjelwa kwekhadi, ukuba ngaba uhlobo lwenu lokuqala lwemali yokuhamba lubiwe okanye lulahlekile.
Gcina iirisithi zakho. Hlola ngokucophelela ibhanki yakho kunye neengxelo zekhadi lesikweletu xa ubuyela ekhaya. Biza ibhanki yakho ngokukhawuleza ukuba uyaphawula nayiphi na iindleko okanye iziqinisekiso ezingagunyaziswanga.