Kutheni ufuna ukuba ne-akhawunti yeBhanki yeBhanki yasekhaya kunye nendlela yokufumana enye
Abaninzi abasuka kumashishini asekhaya basekhaya basebenzisa i-akhawunti yabo yebhanki ukwenza ibhizinisi. Nangona kunjalo, oku kungabangela iintlobo ezininzi zeengxaki, enkulu kunayo inxaxheba kwintlawulo. Ukuba ucwangcisa ukuthatha iirhafu zorhwebo, i-Internal Revenue Service (IRS) idinga ukuba uyehlule i-akhawunti yebhanki yebhanki kwi-yakho eyodwa ukuze uphephe ukudibanisa imali. Nangona kunjalo, i-IRS ayisona sizathu kuphela sokugcina iimali zezoshishino zakho zihluke kwiimali zakho.
Kulula ukulawula, ukulandelela nokwazi oko kwenzekayo kwishishini lakho ukuba imali ihlukeneyo.
Kungase kubonakale kunzima ukujongana nemali yezoshishino kunye neebhanki, kodwa akufanele ukuba. Nakhu okufuneka ukwazi malunga nokuba kutheni kwaye ungayifaka njani i-akhawunti yezoshishino kwishishini lakho lasekhaya, nokuba ngaba ungumnikazi wedwa.
Ngaba ufuna i-Akhawunti yeBhanki yeBhanki?
Sivele sisekwa ukuba ibhishini lakho kufuneka libe ne-akhawunti yebhanki, nangona kunjalo, unokuba ungadingi ukuhamba kunye neendleko kunye neendleko ze-akhawunti yebhanki yebhanki. Ukuba uqhuba ishishini lakho njengomnikazi wedwa , unokuvula kuphela enye i-akhawunti eyisiseko apho usebenza khona.
Nangona kunjalo, ukuba unenkampani ejongene noxanduva (LLC) okanye esinye isakhiwo seshishini esisemthethweni, kuya kufuneka ukuba uvule i-akhawunti yebhanki yebhanki.
Ukuba ungumkhululi we- freelancer okanye usebenza ngecala elixhasayo , ukuba ufuna ukuthatha intsalela enxulumene neyeshishini lakho , njengokuncitshiswa kweofisi yasekhaya, okanye ukunciphisa iindleko zoshishino lakho, kufuneka ubeke i-akhawunti eyahlukileyo yomsebenzi wakho.
Izinketho zeBhanki
Nangona i-akhawunti yokukhulula ukukhangela i-akhawunti ayiqhelekanga kwishishini njengoko i-akhawunti yakho, ezinye iibhanki zinikezela ngoku. Uya kufuneka uzithengele iibhanki zendawo ezibonelela ngemirhumo efanelekileyo kunye nemigomo. Ngaphezulu kweNerdWallet, ungayifumana uluhlu lwezinketho zebhanki zentengiso kwi-bhanki.
Qaphela ukuba ngelixa i-akhawunti ingahlawulwa, mhlawumbi ezinye iirhafu ezifana neendleko ze-overdraft okanye umda ukuya kwinani leentengiso ovunyelwe ngazo.
Enye inketho yokuqwalasela ibhanki ye-Intanethi. Kwakhona, ukuba unayo i-akhawunti ye-PayPal yokusetyenziswa kwakho, kufuneka ufake isicelo se- akhawunti ye sibini okanye ye- PayPal ukuba uyayisebenzisa ukuqokelela ukuhlawula kwishishini lakho lasekhaya.
Iibhanki zeBhanki zeBhanki kunye neZivumelwano zeeNtengo
Uninzi lwama-credit unions luza kunika i-akhawunti yezo shishino, ngokuqhelekileyo kwizinga elincinane kuneebhanki zorhwebo. Kwamanye amazwe, akumele ube ngumqeshi okanye ilungu lombutho ukujoyina. Abaninzi banikela ubulungu basekhaya okanye abemi bobuhlali kwimanyano yekhredithi.
Ukuthelekisa Imali yeBhanki yeBhanki
I-akhawunti ekhululekile inokuza kunye nemingcele kunye nezinye iindleko ozakufuna ukucinga ngazo xa uthelekisa ukhetho lwebhanki. Ngokomzekelo, kunokubekho umda kwinani leentengiso ovunyelwe ukuba "zikhululekileyo" kwaye ke uya kuhlawuliswa ukuhlola, ukuhoxiswa, kunye nezinye iintengo ngokulandelwa kwemida. Ezinye iindleko zingabandakanya iindleko zokuhlola kunye nezitampu zokuvuma.
Ezinye iiAkhawunti zeBhanki zeBhangi
Iingxelo ezininzi zezo shishino azithethi nje ukuhlola, kodwa ukhetho lokuba nekhadi lokukhangela elingasetyenziselwa ukuthengwa kwezoshishino.
Ungongeza kwakhona i-akhawunti yokulondoloza, enokukunceda ukugcina iindleko okanye iindleko ezifana neerhafu zakho eziqikelelwayo . Ngamanye amaxesha, unokufumana inzala kwi-akhawunti yakho yokulondoloza.
Xa usuqalile ulwalamano olusebenzayo nebhanki yakho yebhanki, unokufuna ukufaka isicelo sekhadi lesikweletu kwigama lakho lebhizinisi. Ikhadi lekhredithi yoshishino linokukunceda xa ufutshane kwiimali kwaye ngokukhawuleza udinga izixhobo, isofthiwe okanye i-inventory.
Njengoko ukhulisa ubudlelwane bakho nebhanki yakho yebhanki uza kuba nomthombo wokudibanisa kwimeko apho ufuna ukuboleka imali ukuqhuba okanye ukukhulisa ishishini lakho. Iibhanki zoshishino zinganika nezinye iinkonzo ezibalulekileyo, ezifana nekhadi lesikweletu kunye nokuhlawula intlawulo kwi shishini lakho elincinci.
Indlela yokuvula iAkhawunti yeBhanki yeBhanki
Into oya kuyidinga ukuvula i-akhawunti yebhanki yebusiness incike kakhulu kwisakhiwo sakho sezoshishino kunye neakhawunti ovulekileyo.
Njengomnikazi wedwa, ngokuqhelekileyo uzakufuna nje ukuchongwa (njengelayisenisi yokuqhuba), ikhadi lezokuphepha loluntu (kungekhona nje inani kodwa ikhadi kunye) kunye neefom ezinikezelwe yibhanki.
Ekubeni i-LLC, intsebenziswano kunye nezinye izakhiwo zoshishino zizimeko zabo, uya kufuna iimpapasho ezininzi zebhanki. Kwiimeko ezininzi, uzakufuna inombolo yakho yokuchonga umqeshi (EIN), iphepha lohlobo lwezentengiselwano (oko kukuthi i- Articles of Incorporation ye-LLC), ukuchongwa, mhlawumbi kunye nekhadi lakho lokhuseleko loluntu.
Inkqubo yokuvula i-akhawunti ichanekileyo. Khangela nje ibhanki yakho kunye neemfuno zamaphepha, kwaye abasebenzi basebhanki baya kuseka i-akhawunti. Emva kokuba kusekwe, uya kufuna ukuqinisekisa ukuba uyisebenzisela zonke iintengiso zakho zoshishino ezifana:
- Ukubeka idipozithi ngqo kubathengi bakho, iinkqubo ezinxulumeneyo, okanye inkqubo yokuhlawula
- Ukuxhomekeka kweentlawulo ezivela kubathengi okanye kubaxumi
- Ukuhlawula iimpahla kunye neenkonzo kwishishini lakho
Cinga ukufumana isoftware yezoqoqosho ukuze kukuncede ulandele ingeniso yakho yezorhwebo kunye neendleko.
Unokufumana iinkqubo zefowuni zezezimali ukukunceda ulawulo lweendleko zezorhwebo oza kulufuna ukulandelwa ngenjongo yentlawulo.
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