Kukhwabanisa, Kuyenga, kanye Nemikhuba Yekukhohlisa

Imininingwane Yesimiso
Indlela labaphatseka ngayo labasebentisa loluhlelo

Imininingwane yesimiso

LUSHINTJO KULOKWENTIWE
Inhloso Yesimiso
Sifuna kuvikela labasebentisa loluhlelo nemabhizinisi ekukhohlisweni ngetimali tabo, ngemphahla noma ngemininingwane yabo. Loku sikufeza ngekutsi sisuse lokufakiwe futsi silwe nekutiphatsa lokutisebentisa ngemabomu tindlela letikhohlisako - njengekumelela kabi ngenhloso, imininingwane leyebiwe kanye nalokushiwoko lokwentiwe lihaba - kuze kugetjengwe ngekuyenga noma kukhwabaniselwe labasebentisa tinhelo tetfu nemabhizinisi, noma kukhutsatwe bantfu kutsi babe nencenye kuko. Loku kufaka ekhatsi tintfo letifakiwe letihloselwe kuchumanisa noma kukhutsata letento kusetjentiswa tinhlelo tetfu. Siyabavumela bantfu kutsi becwayise futsi bafundzise labanye kanye nekutsi batigceke letento.
Asikuvumeli:
Lokufakiwe lokwetama kuyenga noma kukhwabanisela labanye kanye/noma emabhizinisi kusetjentiswa:
Kuyenga ngekwebolekisa imali nekuKhwabanisa
Kwatisa lokunjena:
  • Kwetsembisa kubolekisa ngemali lokufuna kutsi losebentisa luhlelo abhadale kucala kuze abolekwe.
  • Kwetsembisa kubolekisa ngemali kube nesicinisekiso noma kucishe kube nesicinisekiso sekuvuma sicelo, noma kuvetwe ngalokucacile noma kungacondzakali kahle ngendlela lokubekwe ngayo (njengekutsi sicelo sekwebolekwa sitawemukelwa ngaphandle kwekubutwa imininingwane yetimali).
  • Naka: Siphindze sibuke netimphawu letikhombisa kutsi lona lofaka lesikhangiso ufaka intfo sibili yini, lokufakiwe lokungakhwabanisi, njengalapho kuyinhlangano lecinisekisiwe, kulibhange noma inhlangano yetimali.
Kukhwabanisa ngekuGembula neKugebenga Ngekuyenga
Kwatisa lokunjena:
  • Kuniketa tinhlelo tekugembula ngemali mbamba ("Imali mbamba" yimali lesetjentiswako emhlabeni longatsenga ngayo tintfo noma imisebenti lekhona emhlabeni, kufaka ekhatsi timali temave njengeliDola LaseMelika nalokumelela timali letingabonwa njenge-Bitcoin):
    • ngesicinisekiso sekutsi utawuwina.
    • lokushoko kutsi noma lokuvumako kutsi kute kwetsembeka kulomphumela walomdlalo.
    • kucela bantfu kutsi bavume kutsi balungiselwe umdlalo noma bacele lusito noma tindlela tekulungisa umdlalo.
Imidlalo yase-casino lesetinkhundleni tekuchumana lefana nekugembula ube ungeke uwine imali mbamba ingena ngaphansi kweSimiso setfu Sawonkhewonkhe Lesimayelana Netintfo Kanye Nelusito Lolubekelwe Imibandzela.
Kuhlanyela noma Kukhwabaniswa Kwetimali Nekuyenga
  • Ematfuba Ekutjala Timali. Kwatisa lokunjena:
    • Kuniketa ematfuba ekutjala timali lapho khona imali lebuyako ngalokutjala imali icinisekisiwe noma ite bungoti.
    • Kuniketa ematfuba ekutjala timali lapho khona imali lebuyako ngalokutjala imali noma sincephetelo incenye yayo noma yonkhe iya ngekutsi ukhonile yini kutfola labanye kutsi bangene.
    • Kuniketa ematfuba ekutjala timali lapho khona lamatfuba aluhlobo "lwekunjinga masinyane" futsi/noma kutsi ngekutjala nje imali lencane ungakha tinsambansamba tetimali.
  • Imali Lesheshako/Tetsembiso Temali Lenkhulu. Kwatisa lokunjena:
    • Kwetsembisa kukubuyisela imali lenkhulu ngemadlana nje ngebucili noma ngekukukhohlisa noma ngelichinga lelihlanganisa kukusho ngembaba kutsi "yimali lesheshako," "tetsembiso temali lenkhulu" noma lamanye emagama lacishe afane.
Kweba Imali Ngetebuchwephesha Nekushushumbisa Imali Nekugebenga Ngekuyenga
  • Kutsatsa Imali Ngetebuchwephesha. Kwatisa lokunjena:
    • Kuniketa noma kucela bantfu kutsi batsatse imali ngetebucwephesha (lokubangela kutsi labo labavumile, ngekungati bangenele kushushumbisa imali ngekubetsembisa imali noma kwabelana nabo inzuzo nangabe bavumela labanye kutsi basebentise i-akhawunti yabo yasebhange noma babatfumelele imali).
    • Kuniketa noma kucela kutsatsa imali ngebucwephesha ngekwetsembisa umsebenti wekwemukela noma kuhambisa imali noma kutfumelela labanye imali kusetjentiswa i-akhawunti yasebhange yaloyo muntfu.
  • Kushushumbisa Imali. Kwatisa lokunjena:
    • Kucela, kuncusa, noma kutsembisa kusekela kushushumbisa imali, lokuyimetamo yekutfola imali ngalokungekho emtsetfweni kubukeke ngatsi kukahle, ngekufihla kutsi lemali ivelaphi kusetjentiswa tindlela letingacaci tekukhipha nekungenisa imali lokufaka ekhatsi noma nguyiphi kuletindlela letilandzelako:
      • Kufuna kuhambisa timali nge-SWIFT (Society for Worldwide Interbank Financial Telecommunications) noma letinye tindlela letifanako,
      • Kufuna noma kuniketa imininingwane yetinhlobonhlobo tema-akhawunti asebhange lakhona kuze kusekelwe kungena noma kutfunyelwa kwemali.
Kugebenga Ngekutifihla Nekuyenga
Kwatisa lokunjena:
  • Kwetama kugebenga nobe kuyenga labasebentisa tinhlelo ngekufihla kutsi ngubani lokufakile noma kufihla luhlobo lwesicelo:
    • Kucela Lusito Ngebugebengu Nekuyenga, lokubugebengu bekucela imali noma iminikelo yekusita lokutsiwa iyaphutfuma futsi ifaka ekhatsi nemininingwane, njenge-akhawunti yasebhange lapho imali ingafakwa khona.
    • Kugebenga Ngetelutsandvo Nekuyenga, lokuyimetamo lebugebengu yekwakha buhlobo ngekutsandzana kubo-inthanethi ngekufuna kwakha buhlobo hhayi ngenhloso yekulalana kanye nekuba nebuhlobo kodvwa ngenjongo yekuniketa noma kucela imali noma ngenjongo yekutfola lokulingana nayo.
    • Kukhwabanisa Egameni Lebhizinisi/Inhlangano Nekuyenga , lokufaka ekhatsi kucala emanga utsi umelele, noma ukhuluma ngekutfunywa yibhizinisi letsite noma yinhlangano letsite, ngemetamo yekugebenga ngekuyenga noma kukhwabanisa.
Kukhwabanisa Lokutsengiswako Noma Umklomelo Kanye Nekuyenga
  • Kukhwabanisa Timali Telusito Letibuya Kuhulumende Kanye Nekuyenga . Kwatisa lokunjena:
    • Kucala emanga kutsiwe kuniketwa imali yekusita labadzingile lebuya kuhulumende nanoma nguluphi lolunye lusito lwetimali letibuya kuhulumende. Sitifakela tibuko timphawu letehlukehlukene kuze sibone kutsi inhlangano noma ibhizinisi ifaka kwatiswa lokusemtsetfweni, lokute kukhwabanisa, njenganakubuya enhlanganweni noma ibhizinisi lesemtsetfweni.
  • Bugebengu Betintfo Letiphatsekako, Tintfo Takamoya Nobe Kukhanyiseleka Lokusezingeni Kanye Nekuyenga. Kwatisa lokunjena:
    • Kuniketa imiklomelo lephatsekako, njengemali, imphahla, noma lusito lolunelinani lemali lokufaka ekhatsi imali mbamba, imali lekutebucwephesha, nemphahla kanye nelusito loluphatsekako noma lekutebucwephesha ngekuba lilunga enhlanganweni letsite noma ngekuyijoyina, kujoyina luhlobo lwekukhonta lokungakajwayeleki, inkholo (sibonelo, bazalwane labatsi banekukhanyiseleka lokusezingeni).
    • Kuniketa imiklomelo lephatsekako yekusebentisa umlingo noma emavi ebudimoni noma tintfo temlingo (sibonelo, emavi ebudimoni, imitsi yenhlanhla, kwekutivikela emimoyeni lemibi, emakhadi enhlanhla, inhlanganisela yemitsi, tipatji temlingo, nalokunye).
  • Kukhwabanisa Kutemshwalensi Nekuyenga. Kwatisa lokunjena:
    • Kuniketa imishwalens lengemanga, lenetephulelo letinkhulu neticelo tekutsi uhambise imali letsite embili (imali yekungena, noma imali yekucalela, noma letinye tindlela).
    • Kuniketa imishwalensi lengemanga, lenetephulelo letinkhulu leyetsembisa kutsi wonga kakhulu kulomshwalensi nakucatsaniswa naletinye tinkapane temshwalensi (lokungenani nga-30%).
    • Naka: Siphindze sibuke netimphawu letikhombisa kutsi inhlangano lefaka lesikhangiso ifaka tintfo sibili yini, letingahlobani nekukhwabanisa, njengalapho kuyinhlangano lecinisekisiwe noma libhange noma inhlangano yetimali
  • Kukhwabanisa Kutemsebenti Nekuyenga . Kwatisa lokunjena:
    • Kwetsembisa umsebenti longacaci noma lokulukhuni kuwuchaza futsi lonematfuba ekunjinga ngekushesha lowetsembisa imali ngekutjala lokuncane noma kusebenta kancane.
    • Kuniketa imisebenti lete imininingwane yalowo msebenti, imane nje ivete tikhala temsebenti.
    • Kuniketa umsebenti wekusebenta usekhaya kodvwa loluhlobo lwemsebenti lube lungavumi kutsi losebentako angasebenta asekhaya.
    • Kwetsembisa umsebenti loholela kakhulu kusengaphambili.
    • Kwetsembisa kutsi nakanjani utawutfola umsebenti.
    • Kwetsembisa umsebenti lofuna kutsi ubhadale kucala usengakaniketwa umsebenti.
    • Naka: Siphindze sibuke netimphawu letikhombisa kutsi inhlangano lefaka sikhangiso ifaka tintfo siblli yini, letingahlobani nekukhwabanisa, njengalapho kuyinhlangano lecinisekisiwe
  • Kukhwabanisa Ekunciphiseni Tikwelede Nasekutilungiseni Kanye Nekuyenga . Kwatisa lokunjena:
    • Kwetsembisa kucisha noma kunciphisa sikwelede ngelinani letsite lemali ngesikhatsi lesibekiwe.
    • Kwetsembisa kumisa noma kucisha tonkhe tikwelede noma emacala latekwa enkantolo.
    • Kwetsembisa kucolela noma kucisha tikwelede ngekusebentisa "luhlelo lolusha lwahulumende" noma kwetsembise lushintjo lwemtsetfo noma emavi lafanako.
    • Kwetsembisa kucisha noma kususa imininingwane yesikwelede emibikweni yetikwelede noma kwakha "imininingwane yesikwelede" lemisha.
    • Naka: Siphindze sibuke netimphawu letikhombisa kutsi inhlangano lefaka lesikhangiso ifaka tintfo sibili yini, letingahlobani nekukhwabanisa, njengalapho kuyinhlangano lecinisekisiwe noma libhange noma inhlangano yetimali
  • Kukhwabanisa Etindalini Nekuyenga . Kwatisa lokunjena:
    • Lokuniketa siciniseko sekutsi noma kanjani utawutfola umklomelo wemali mbamba ngalabasentisa tinhlelo labadzinga:
      • Kubhalisa bakulelinye likhasi le-inthanethi.
      • Kusakata Imininingwane Yemuntfu Lebucayi noma Leminye Imininingwane Yabo
      • Kuchumana usendzaweni leku-inthanethi noma ungekho kuyo ngemlayeto loyimfihlo.
      • Kungatsatsi sinyatselo.
  • Kukhwabanisa Emalini Lebhadalwa Kusengaphambili Nekugebenga Ngekuyenga. Kwatisa lokunjena:
    • Lokwetsembisa imali lengekho lotayitfola ngekubhadala imali kucala/ngekuyitfumela kulelinye libhange/kubhadalana.
Kukhwabanisa Ngetimphepha Temgunyati Nekuyenga
  • Timphepha Temgunyati Noma Letifojiwe. Kwatisa lokunjena:
    • Kuniketa ticelo, kwakha, kutsengisa, kutsenga noma kwenta ibhizinisi ngetimphepha temgunyati noma letifojiwe.
    • Kwetsembisa kukutsengisela ema-visa noma emakhadi laluhlata ebuve.
    • Kucinisekisa kutsi i-visa noma likhadi leliluhlata lebuve livunyiwe.
    • Kwenta kutsi labasebentisa luhlelo batfole i-visa ngaphandle kwekugcwalisa imininingwane lefanele.
  • Imali Lengasiyo Noma Yemgunyati. Kwatisa lokunjena:
    • Kwetsembisa kutsengisa, kutsenga noma kwenta ibhizinisi ngemali lengesiyo noma yemgunyati, ngaphandle kwetinhlobo temali yekudlala (sibonelo, imali yemdlalo lokutsiwa yi-Monopoly) nangabe kubekwe kwacaca kutsi yimali yekudlala.
  • Ema-voucher Langasiwo Noma Emgunyati. Kwatisa lokunjena:
    • Kwetsembisa kukupha, kutsengisa, kutsenga noma kwenta ibhizinisi ngema-voucher langesiwo noma emgunyati.
    • Lokuvuma, kukhangise, noma kucele kusebentisa tigcebhezana noma ema-voucher lakutebucwephesha kuze utfole emanani ekutsenga langakavami, kungaba:
      • ngekusebentisa tigcebhezana noma ema-voucher kute utsenge tintfo letingakavunyelwa kutsengwa ngaleso sigcebhezana noma i-voucher; noma
      • ngekusebentisa tigcebhezana noma ema-voucher lasaphelelwe sikhatsi.
  • Titifiketi temfundvo letingasito noma letingumgunyati. Kwatisa lokunjena:
    • Kwetsembisa kutsengisa, kutsenga noma kwenta ibhizinisi ngetitifiketi letingasito noma letingumgunyati.
Kukhwabanisa Ngemininingwane, Imphahla Noma Lusito Kanye Nekuyenga
  • Kukhwabanisa Kutemakhadi Nekuyenga . Kwatisa lokunjena:
    • Kufaka ekhatsi kutsenga, kutsengisa noma kwenta ibhizinisi ngemakhadi ekutsenga ngesikweleti letjiwe noma lamanye emathulusi etetimali langasetjentiselwa kutsenga ngaphandle kwemvume (lokwatiwa nangekutsi yi-"carding").
  • Kukhwabanisa Ngemininingwane Lechaza Umuntfu Nekuyenga. Kwatisa lokunjena:
    • Kwetsembisa kutsenga, kutsengisa noma kwenta ibhizinisi ngeMininingwane Lechaza Umuntfu noma Leminye Imininingwane Yemuntfu ngaphandle nangabe iyasenganekwaneni.
  • Kukhwabanisa Kutekuhlatiya Lokungemanga Nekuyenga. Kwatisa lokunjena:
    • Kugcugcutela kutsenga, kutsengisa noma kwenta ibhizinisi ngekuhlatiya lokutsengiswako/kukunika emazinga.
    • Ngetindlela letisebaleni nobe letibhacile kukhutsate labasebentisa tinhlelo kutsi bahlatiye imikhicito kuze batfole tephulelo, babuyiselwe timali noma batfole tintfo mahhala.
  • Kukhwabanisa Ekubhaliseni Kanye Nekuyenga . Kwatisa lokunjena:
    • Kwetsembisa kutsenga, kutsengisa noma kwenta ibhizinisi ngemininingwane yekungena kuze kunikete lusito lwekukubhalisa (imininingwane yekungena ku-inthanethi kuze utfole lusito bese kudzingeka kutsi uhlale ubhadala ngetikhatsi letitsite) ngekuchaza indzawo lokubhadalwa kuyo ku-inthanethi, kungaba ngekuyibita ngeligama noma ngekusakata luphawu lwakhona.
    • Naka: Siphindze sibuke netimphawu letikhombisa kutsi lona lofaka lesikhangiso ufaka intfo sibili yini, lokufakiwe lokungakhwabanisi, njengalapho kuyinhlangano lecinisekisiwe, kulibhange noma inhlangano yetimali.
  • Kukhwabanisa Kwekungatsembeki Kanye Nekuyenga. Kwatisa lokunjena:
    • Kufaka ekhatsi kusakata, kutsengisa, kutsengiselana, noma kutsengwa kwaloku:
      • emaphepha eluhlolo esikhatsi lesitako noma emaphepha etimphendvulo.
      • Imikhicito noma lusito lolwenta kutsi ukhone kudoja eluhlolweni.
      • Imikhicito noma lusito lolwenta kutsi ukhone kuphasa luhlolo lwetidzakamiva ngendlela lengekho emtsetfweni
Kukhwabanisa Ekusebentiseni Tintfo Tebucwephesha Ngaphandle Kwemvume Kanye Nekuyenga
  • Kukhwabanisa Ekushintjeni Tintfo Tebucwephesha Kanye Nekuyenga. Kwatisa lokunjena:
    • Kugcugcutela kutsenga, kutsengisa, kwenta ibhizinisi noma kunikana noma ngabe ngutiphi tintfo tebucwephesha letishintjiwe, letilungisiwe noma letinetikali temgunyati.
    • Kuvuma, kukhangisa noma kucela kusetjentiswa kwetindlela tekushintja tintfo tebucwephesha kuze tibite emanani langesiwo.
  • Kukhwabanisa Etintfweni Letifakwa Ku-inthanethi Kanye Nekuyenga. Kwatisa lokunjena:
    • Kuniketa noma kucela tintfo letisekela noma letikhutsata kukhona kungena kulokufakwe ku-inthanethi ngendlela lengakagunyatwa. Loku kufaka ekhatsi loku lokulandzelako kodvwa akugcini lapho: bosigujana labakhulisiwe, bosigujana labagcwaliswe nswi/bosigujana baka-KODI kanye nelusito lwaka-KODI.
Tento Letikhohlisako Naletidukisanako
  • Kwetemphilo Lokudukisanako. Kwatisa lokunjena
    • Lokukhangisa ngekwetemphilo lokungemanga noma lokudukisanako noma lokucinisekisa ngekwehla emtimbeni ngekusebentisa emachinga ekukhanga bantfu kutsi bachafate, njengekusebentisa lulwimi lolwenta bantfu batsatseke lolwenta lihaba noma lukhulume ngekwecisa
Kulokwatisa lokulandzelako, sente kutsi kubonwe bantfu labadzala, labaneminyaka lengu-18 nangetulu:
Kwatisa lokunjena
  • Kwetsembisa imiphumela legaguliwe yekwehla emtimbeni ngesikhatsi lesitsite ngaphandle kwelulwimi lolufanele noma inchazelo ngebanikati.
Ngisho nangetulu kwaloku lokungenhla, siyakuvumela kwatiswa lokugceka, kucwayise nome kufundzise labanye mayelana nekukhwabanisa nekuyenga, ngaphandle kwekubeka ebaleni imininingwane lebucayi noma kukhutsata kukhwabanisa nekuyenga
KuleTimiso Tawonkhewonkhe letilandzelako, sidzinga imininingwane leyengetiwe futsi/noma lokutsite lokufakiwe kuze sitsatse sinyatselo:
  • Singahle sikususe kwatiswa:
    • Lokufaka ekhatsi kukhwabanisa/kuyenga lokubikwe yinhlangano leyetsenjwako.
    • Lokumayelana nekudiza noma kweba.
    • Lokuniketa imijovo yekugoma ngemetamo yekuyenga noma kugebenga labasebentisa tinhlelo.
    • Lokwetama kuba ngumuntfu longasuye, kwenta shengatsi ngumuntfu lodvumile, noma kusebentisa sitfombe semuntfu lodvumile ngaphandle kwemvume, ngemetamo yekukhwabanisa noma kuyenga.
    • Lokuniketa noma kucele tintfo noma lusito lolwakhelwe kusekela kubona tintfo ngalokuyimfihlo noma kurekhoda bantfu, nasi sibonelo, emakhamera lafihlekile, kwekulandzelela tincingo (lokufaka ekhatsi loko lokukwati kukhombisa tinombolo tetincingo letingatiwa), noma lamanye emathulusi ekulandzelela.
    • Lokuniketa bantfu ematfuba ekukhetselwa kuba nencenye etindzabeni temtsetfo ngekutsi ente ngatsi uvela enhlanganweni yahulumende noma etikweni letindzaba ngekusebentisa lulwimi lolumnandzi, noma ngekusebentisa tindlela tekwenta lihaba.
    • Lokuniketa lusito lwekubhalisa ngekwenta bantfu bafake Imininingwane Leyimfihlo.
    • Asitivumeli tinhlangano kutsi tibe nencenye noma tifake sandla ekuKhwabaniseni lokuhleliwe naseKuyengeni, lokuhlanganisa kusebentisa ema-akhawunti lamanyenti ngenhloso yekugcugcutela kukhwabanisa nekugebenga.
Kuletinye timo, siyakuvumela lokufakiwe lokungase ngandlela tsite kwephule Timiso Tawonkhewonkhe nangabe kubonakala kutsi kuyaphukuta. Lokufakiwe kutawuvunyelwa kuphela nangabe lolokwephula umtsetfo kuloko lokufakiwe kugcekwa noma kubhekiswe kulokutsite noma kumuntfu lotsite kuze kuhlekiswe ngaye noma agcekwe.
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