Kusinthanitsa Kusinthanitsa Kwasinkhu kwa Oyenda
Ngati ulendo wanu waulendo ukupita nanu kudziko lina, muyenera kudziwa nthawi, malo ndi momwe mungasinthire ndalama zanu zoyendetsera ndalama kuderali. Muyenera kutenga zinthu zingapo mu akaunti, kuphatikizapo kusinthitsa ndalama.
Mitengo Yosintha Mitengo
Ndalama ya kusinthana kwa ndalama imakuuzani momwe ndalama zanu ziliri ndi ndalama zenizeni. Mukasinthanitsa ndalama zanu, mukuzigwiritsira ntchito kugula kapena kugulitsa ndalama zakunja pamtengo wapadera, umene timachitcha kuti chiwongoladzanja.
Mukhoza kupeza mlingo wosinthanitsa pogwiritsa ntchito ndalama zosinthira, kuwerenga zizindikiro kumabanki apamtunda ndi makampani osinthanitsa ndalama kapena pofufuza webusaiti yowonjezera ndalama.
Kusintha kwa Mtengo
Kusintha kwa ndalama ndi chida chomwe chimakuuzani kuchuluka kwa ndalama zomwe mumapatsidwa zimapindula ndi ndalama zakunja pakusintha kwa lero. Sitikuuzeni za malipiro kapena ma komiti omwe mungathe kulipira kuti musinthe ndalama zanu. Pali mitundu yambiri ya osintha ndalama.
Mawebusaiti
X e.com ndi yosavuta kugwiritsa ntchito komanso yodzazidwa ndi zambiri. Njira zina ndi Oanda.com ndi OFX.com. Wosintha ndalama za Google ndi osabereka, koma zimayenda bwino.
Mapulogalamu a pafoni
Xe.com imapereka mapulogalamu osinthika a ndalama za iPhone, iPad, Android, BlackBerry ndi Windows Phone 7. Ngati simukufuna kutulutsa pulogalamu, xe.com imapereka malo osungirako ndalama zomwe zingagwiritse ntchito pa chipangizo chilichonse cha m'manja chomwe chili ndi intaneti. . Oanda.com ndi OFX.com imaperekanso mafoni apulogalamu.
Okhazikika Pakati pa Ndalama
Mukhoza kugula chipangizo chogwira dzanja chomwe chimasintha ndalama imodzi kwa wina. Muyenera kuyika ndalama zosinthanitsa tsiku ndi tsiku kuti mugwiritse ntchito converter bwino. Otsatsa ndalama ndi othandizira chifukwa mungagwiritse ntchito kufufuza mitengo m'masitolo ndi malesitilanti, iwo samagwiritsa ntchito deta yanu ya foni yamakono ndipo chidziwitso chokha chimene muyenera kulowa ndi mlingo wosinthanitsa ndi ndalama.
Calculator
Mungagwiritse ntchito calculator ya foni yanu kuti muyese mtengo wa zinthu zapakhomo lanu. Muyenera kuyang'ana pa mlingo wa kusintha kwa tsiku kuti muchite izi. Mwachitsanzo, tiyerekeze kuti katundu wagulitsa 90 Euro ndipo Euro ndi US $ ndalama ndi $ 1 = 1.36 Euros. Lonjezerani mtengo mu euro ndi 1.36 kuti mutenge mtengo mu US $. Ngati chiwongoladzanja chanu chiri, mmalo mwake, chiwonetsedwe mu madola a US ku Euro, ndipo ndalama zowonjezera ndi $ 0.73 kwa 1 Euro, muyenera kugawa mtengo mu Euro ndi 0.73 kuti mutenge mtengo mu madola US.
Gulani Mtengo ndi Kugulitsa Mitengo
Mukasinthanitsa ndalama zanu, mudzawona mitengo iwiri yosinthanitsa. Mtengo wa "kugula" ndi mlingo umene banki, hotelo kapena ofesi yosinthanitsa nawo ndalama idzakugulitseni ndalama zawo zapanyumba (iwo akugula ndalama zanu), pamene "kugulitsa" mlingo ndi mlingo umene angakugulitseni kunja (mwachitsanzo, ndalama zanu). Kusiyanitsa pakati pa miyeso iwiriyi ndi phindu lawo. Mabanki ambiri, maofesi osinthanitsa ndi ndalama komanso mahotela amaperekanso ndalama zowonetsera ndalama kuti mutengere ndalama zanu.
Kusinthitsa kwa ndalama
Kusinthanitsa ndalama sikuli kwaulere. Mulipira malipiro, kapena gulu la ndalama, nthawi iliyonse mukasintha ndalama. Ngati mutenga ndalama zakunja kuchokera ku ATM, mudzalipidwa ndalama zowonongeka ndi banki yanu.
Mutha kulipira msonkho wogulitsa, monga momwe mungakhalire kunyumba, komanso osakhala makasitomala / osakhala ndi intaneti. Malipiro ofanana amagwiritsidwa ntchito ngati mugwiritsira ntchito khadi lanu la ngongole mu ATM kuti mupeze ndalama zowonjezera.
Malipiro amasiyana ndi mabanki ndi ofesi yosinthanitsa ndalama, kotero mungafunike kutengapo nthawi pang'ono kufufuza ndi kuyerekeza ndalama zomwe mabanki omwe mumawagwiritsa ntchito.
Kodi Mungasinthe Ndalama Yanu Kuti?
Pali malo angapo omwe mungasinthe ndalama, malingana ndi kuti ndiyomwe mukuyenda.
Kunyumba
Ngati muli ndi akaunti ndi banki yaikulu, mukhoza kuitanitsa ndalama zakunja musanachoke kwanu. Malipiro a msonkho wa mtundu uwu wa dongosolo la ndalama akhoza kukhala apamwamba, kotero masamu ena musanasankhe kulamula ndalama kuchokera ku banki yanu. Mukhozanso kugula ndalama zakunja ndalama kapena pa khadi la debit yomwe munalipiritsako kuchokera ku Travelex. Izi zikhoza kukhala njira yamtengo wapatali, popeza simungapeze ndalama zowonjezerapo bwino ndipo mudzayenera kulipiritsa malipiro othandizira ngati muli ndi Travelex kutumiza ndalama kapena khadi kunyumba kwanu kapena kupita ku eyapoti.
Mabanki
Mukafika kumene mukupita, mutha kusinthanitsa ndalama ku banki. Bweretsani pasipoti yanu kuti muzindikire. Yembekezani kuti mutenge nthawi pang'ono. ( Tip: Mabanki ena, makamaka ku US, amangosinthanitsa ndalama za makasitomala awo. Chitani kafukufuku musanachoke kunyumba kuti musagwidwe mwadzidzidzi.)
Ma Automatic Teller Machines (ATM)
Mukafika kudziko lanu, mungagwiritse ntchito khadi lanu la debit, khadi la debit yomwe mwalipira kale kapena khadi la ngongole pa ATM zambiri kuti mutenge ndalama. Tumizani pa intaneti mndandanda wa ma ATM ndi Visa komanso MasterCard musanachoke kunyumba; izi zidzapangitsa kufufuza kwanu kwa ATM kusakhumudwitse kwambiri. ( Langizo: Ngati khadi lanu liri ndi PIN ya madijiti asanu, muyenera kuti banki yanu isinthe iyoyi kwa PIN yanuyiyi musanachoke kwanu.)
Ndege ndi Seaports
Maulendo akuluakulu ndi akuluakulu apakati, komanso maulendo ena apanyanja, amapereka ndalama zothandizira ndalama (nthawi zambiri amadziwika kuti "Bureau de Change") kupyolera mu Travelex kapena malo ena ogulitsira malonda. Ndalama zoyendetsera ndalama zimakhala zapamwamba pa maofesi osinthanitsa ndalama, koma muyenera kuganizira kusinthanitsa ndalama zing'onozing'ono pakubwera kwa ndege kapena pamtunda kuti mutengere mpaka mutha kupeza ATM kapena banki. Apo ayi, simungathe kulipira ulendo wanu ku hotelo yanu kapena chakudya chanu choyamba m'dziko.
Malo
Mahotela ena akuluakulu amapereka ndalama zosinthira ndalama kwa alendo awo. Imeneyi ndi njira yamtengo wapatali yosinthana ndalama, koma mungayamikire chifukwa cha njirayi ngati mutadzafika komwe mukupita kwanu tsiku lomwe mabanki ndi maofesi osinthanitsa ndalama atsekedwa.
Kusinthanitsa Kusungirako Ndalama Zothandizira
Uzani banki yanu za ulendo wanu musanachoke. Onetsetsani kuti mupereke oimira banki mndandanda wa mayiko onse omwe mukukonzekera kuti mudzawachezere. Izi zidzateteza banki yanu kuti isayikane pa akaunti yanu chifukwa ndondomeko yanu ya kusintha idasintha. Ngati mukukonzekera kugwiritsa ntchito khadi la ngongole loperekedwa ndi bungwe la ngongole kapena malo ena (monga American Express), funsani kampani ya ngongole, nayenso.
Ngakhale kuchotsa ndalama zochuluka kuchokera ku ATM kumadula mtengo wanu wonse wogulitsa ndalama, simuyenera kunyamula ndalamazo mu thumba lanu. Gwiritsani ntchito ngongole yabwino ndikusunga ndalama zanu.
Dziwani malo anu pamene mukuchoka ATM kapena banki. Akuba amadziwa komwe ndalamazo zili. Ngati n'kotheka, pitani mabanki ndi ATM masana.
Bweretsani khadi la ngongole yobwezera ngongole kapena khadi labedi ladalabedi ngati ndalama yanu yoyamba ikubedwa kapena yotayika.
Sungani mapepala anu. Yang'anani mosamala mabanki anu ndi mawu a khadi la ngongole mukabwerera kwanu. Bwerani ku banki wanu mwamsanga mukamawona zolemba kapena zosavomerezeka.