Bay of imali esibondeni; yintoni na nento usongela. Bay emephini: ncomo

Kwiiforam ezahlukeneyo, iibhodi umyalezo okanye social networks namhlanje ungabona kakhulu imiyalezo malunga ekuthiwa-zokupaka imali kwi amakhadi ngetyala. iincwadi ezinjalo khangela into efana nale: "Xa yokuphumeza ibheyi imephu, umsebenzi eyongezelelweyo efunekayo nabantu, ukunceda ukuhlawula amatyala kunye mboleko." Njl Amaxesha amaninzi, ezi iintengiso bethembisa nemivuzo kunokuba enkulu ngenxa yokusebenza, ezibonakala amanyathelo alula. Abantu abaninzi babe nomdla isindululo esinjalo, kwaye ngexesha elifanayo ezimbalwa kuphela khumbula ukuba lo sisi ezamahala kuphela in a mousetrap.

Ngoko ke ngubani na catch? Yintoni Bay kwimaphu? Izimvo imisebenzi enjalo iza thaca ngezantsi, kodwa umba kufuna ingqalelo enkulu.

Yintoni Bay of imali?

Igama elithi "ibheyi" na anzima kwaye uninzi asasazwa i-World Wide Web. Undoqo yeyokuba abanye abantu ucebisa umntu ukuba igcwalise akhawunti yebhanki okanye ukwenza ichwetyana kwikhadi Sberbank ukuba isixa esithile semali, yaye oku. Amaninzi kwimisebenzi efana kuvela amakhulu amawaka engange. Emva koko, umntu lowo wamkela ibheyi, kufuneka imali imali kwaye zithumele i-akhawunti, eshiya yena ipesenti eyayilungiselelwe kwesixa-mali sisonke. Umvuzo omkhulu ngokwaneleyo - 20-50%! Uyavuma, ukuba uhlobo imali kwindlela musa roll, ingakumbi xa unikwa ukuba ugcwalise nekhulu ambalwa amawaka. Kubalulekile ukuphawula ukuba amaqhinga ezinjalo ngokufuthi ndifumana kanye abantu abaneengxaki zemali, nokuba na ityala okanye iimali-mboleko, nto leyo kufuneka ngokukhawuleza ukubabuyisela.

Kwaye apha nanku umbuzo, nokuba ukunxibelelana nokufumana imali kwi amakhadi Bay yelo kuwe? Emva catch njengoko ixesha siyifumana imvelaphi imali; yokuba zivela nje ukusuka mthetho okanye ibiwe.

Phi imali

Namhlanje rhuthu maqhinga ezininzi ezahlukeneyo ndlela okanye omnye izama ukumbamba imali abanye abantu. Noko ke, amaxesha amaninzi ukuphamba abasebenzisi ngokwabo bathathe maqhinga zawo imali benze ekuthengeni into ethile okanye imali iiprojekthi inzuzo apho isithembiso ukuhlaziya akhawunti yakho credit card. Ezi projekthi izikimu nje iphiramidi ezifana MMM Sergei Mavrodi. Abasebenzisi Ungaphulukana ukulawula e-izipaji zabo - ubunzima iinketho. Kwiimeko ezininzi lobuqhophololo Internet akukho ukumangalelana kwenzeka, nabakhohlisi akulindelekanga ukuba ukurhoxisa imali ngoncedo ezithile izikimu ezizodwa kunye nokusetyenziswa kwale nkonzo ngabantu abangagunyaziswanga.

Kodwa ezinye izaphuli zisebenza ngomlinganiselo omkhulu kunye neebhanki rob, ezinye okanye enye indlela ukufumana imvume yokungena kwi database zazo. Ekubeni yonke kuvunyelwa ukusetyenziswa kwale mali kwinkqubo leebhanki zirekhodwa, aba bahlaseli banyanzeleka ukuba basebenzise amacebo ezahlukeneyo okuxhaphaza imali. Kulo mzekelo, loo nto ikhokelele kubo, nakwabo bafumana imali - kwaye banoxanduva, kwanabenzi bobubi abo zokwenene msulwa.

Bay scheme

Enyanisweni, ezi zazo yenziwa ngolu hlobo lulandelayo:

• Okokuqala, kwanabenzi bobubi abo bazama ukulandelela phantsi indoda ngaye bakwazi cash imali emdaka. Oku kwenziwa imeyili ubunzima loonobumba kwibhokisi yakho, ngokuqhelekileyo kwiiforam kunye neebhodi umyalezo ezahlukeneyo washiya umyalezo, umzekelo, bhala ukuba kufuneka engxamisekileyo Bay kwimaphu kunye like. Njengoko iinkcukacha zomfowunelwa ngokuqhelekileyo elikhankanyiweyo idilesi ye email.
• Kamsinya nje umntu ochaphazelekayo unxibelelana kunye scammer, bachaza iingongoma eziphambili bavumelane isixa kuya kufuneka ukuba babuyele, ngokufuthi libhekisela imvelaphi le mali.
• Indoda ecela inombolo yekhadi, ukuba akunjalo, ke sinikele ngumba omtsha ebhankini ukuze bazisebenzise. I eliphezulu inqanaba imaphu, kokukhona imali ukuze kuwuzalisa.
• Emva kwexesha elithile, ikhadi lifumana imali.
• Umntu esiya kwi ATM okanye yebhanki yesebe cashes imali. Ukususela kulaa mzuzu ukuya phambili, uba nesandla-mthetho.
• Njengoko ivumile, umntu lowo wamkela ibheyi, ukuthumela ezinye imali kule nkcukacha, kwaye abanye kuthatha ngokwakhe.

Iziphumo ezilindelekileyo okuthatha inxaxheba Gulf

abahlaseli Indoda ibanjwe ukunceda bakhupha kunye okuxhaphaza yemali criminally zifumaneka oko uba usebenzisana nabo. Kungakhathaliseki indlela ihlawulwa kubo bokubabuyisela kwaye bade babuyela. Kwimeko apho ukuba naziphi imigewu kususwe imali evela akhawunti abanye abantu, inkonzo ukhuseleko ibhanki iya kukwazi ukunxibelelana ngokulula kunye nomnini-khadi, wavuma ukuba bay. Ukufuna abaxhamli yokugqibela kunokungavezi naziphi na iziphumo. Kulo mzekelo, akukho nzima ukuba baqashele ukuba ngubani oya kuba kuAzazele kwaye uya kuba noxanduva yonke into.

Ukuze ufumane inxaxheba kwiimeko ezinjalo, ungafumana kwintolongo ngokoqobo. Kwixesha elizayo, kusenokwenzeka ukuba imali iyahlanjisiswa yasetyenziswa ukuthenga iziyobisi, izixhobo okanye isenzo abagrogrisi, ngoko ke kukuchitha ixesha elongeziweyo ukuqwalasela kufuneka ukuba bay ikhadi.

Indlela yokukhusela wena

Ngaphambi kokuba ufuna iindlela lula ukwenza imali, kufuneka nobunzima elungileyo nengalunganga koko. Musa bathembele amazwi ekhawuntareni yokuqala yaye sinikela ingqalelo koko bhala kwi bay kwiiforums esibondeni. Ukuphonononga kungaba nje yenzeka, ngoko aninako uthembele kubo. Kwakhona musa ukulibala umthetho engundoqo - sisi free kuphela in a mousetrap.

Ukuba, nangona kunjalo, wafumana imali sengozini, ibheyi kuyo nayiphi na imeko awukwazi cashed. Kwangoko kuyimfuneko ukuya ebhankini uze umxelele ukuba imaphu befumene iimali, imvelaphi apho umnini akukho mbono. Makhe baqonde oko nto. Emihle bonke, abe engalubambi ukunxibelelana nabantu ezifundisa zokupaka kwimaphu.

ubuqhetseba banal

Enyanisweni, kwiimeko ezininzi, yonke into kakhulu lula - akukho matheku ukuze kungenzeki; kuba imigulukudu ngokwabo bazingela imali abanye abantu, yaye musa ukuthumela imali yabo bonke kunye neminye imirhumo. Njengoko waziwa kakuhle, apho amaqhinga yobuqhophololo kuphela azisetyenziswa, yaye akumangalisi ukuba amasela kakhulu yimpumelelo ngokuphathelele kwezo nkalo apho singadlala khona nokunyoluka abantu abaphelelwa iintloko zabo ukusukela imali lula. Intengiso ezifana "ibheyi kwikhadi, ext. umsebenzi "kumane bait ukuba aba bantu.

Nokungazi ukungafaneleki obunokubakho ixhoba kwakhona wadlala ezandleni-mthetho. Thile kwi Internet ubuncwane, ngenxa bamazwe, kuba apha unako ukwenza nayiphi na ingcamango ngoko kuphela ekuyileni uya kwanela. Apha imigulukudu, waphatha amaxhoba elizayo kubhekisela naziphi na izimvo ngabanye guarantors okanye abasebenzisi wanelisekile zokuthi ezifumana bay sengozini. Olu jongo kwakhona badla wasentsomini, washiya egameni labantu azikho kwaukubakho. Kufuneka ungamkholelwa yonke ufunda kwi Internet.

Apha ngezantsi jonga kwi eminye imizekelo eqhelekileyo lobuqhophololo ezinxulumene amakhadi ebhanki.

Uqhawulo ivuliwe iba

Amaninzi phantsi ngesebe eGalfu yolwandle kwi nabakhohlisi ikhadi bazama ukumbamba imali abanye abantu. Kuba esi sithembiso ndoda ukwenza Gulf, kodwa bathi kufuneka i-inshorensi, wosondeza nakumqinisekisi ethile, kusolwa ungumlamli ethembekileyo kwezi ntlobo yentengiselwano. Undoqo kukuba ufuna ukwenza igalelo ethile, ukuxhasa akhawunti yakho nge-credit card, esi siqinisekiso ingasetyenziswa, onokumthemba. Imbali encamini iphela msinyane nje imigulukudu zifumana premium. Ngokuba inkohliso enjalo kuza amakhadi ebhanki kunye nazo zonke iintlobo iinkqubo zentlawulo-elektroniki.

Wallet kwi umtya

Yinto icebo ezaziwa mtshato kwi imali, nto leyo isoloko isetyenziswa yi nabakhohlisi kwi ukwaphulwa 90 imi--. Namhlanje imigulukudu bebeziqhelanisa ukuba imo ixesha lethu yaye usetyenziswa ngempumelelo kwi Internet.

akuyomfuneko ukuba wenze nayiphi na intlawulo, kwaye imigulukudu okunene imali, umzekelo, ukwenza bay ukuba ikhadi Sberbank. Ngawo ngamalungiselelo angaphambili, umntu uthumela yinxalenye imali ngoko zalivshemu kubonakala ukuba umnini-mali, kwaye ifuna ekubuyeni kwabo, lo gama sizama ukubiza amapolisa kunye like. Abantu abaninzi kuyasebenza, yaye ukuba siphephe iingxaki, imbuyekezo ekuthiwa-umniniyo kuthiwa ibiwe imali yakhe. Kuphela emva kokuba aqonde ukuba waye cahoots ne zalivschikami.

isiphelo

Kuyinto ezisitheleyo nabakhohlisi owasungula inani olungenasiphelo ngeendlela ezahlukeneyo apho bazama ukumbamba imali benendelelo yaye abangenamava. Yiyiphi enye into onokuyifunda ngokufunda izimvo zabantu malunga bay busengozini? Impendulo kushiywa ngabo, Bancokole Kwiimeko ezininzi apho nabakhohlisi bakwazi ukufumana ufikelelo ngqo kwi-credit cards zabantu. Abahlaseli menza PIN kunye CVV codes iimephu kunye nolunye ulwazi kubanceda ongakhathaliyo kubantu rob.

Sinako ukuphinda ukuba kuphela ekufuneni imali lula nga izigwili bubunzima nangakumbi kwaye ulahlekelwe iindlela lokugqibela. Oku kuyinyani ngakumbi xa siqwalasele ngokunxulumene networks zentlalo. Funda ulwazi, kwaye okona kubalulekileyo - sebenzisa ingqondo yakho. Indlela kuphela bazikhusele nokuhlasela imigewu.