Thatha ukulawula impilo yakho nokwethembeka kwama-akhawunti ngesikhathi esifanayo
Yonke into engu-20 no-30-nangaphezulu! - kufinyelela emigqumeni ehlukahlukene ekhombisa izimpawu zokuba umuntu omdala. Kungakhathaliseki ukuthi uthenga indlu, vula i-akhawunti yokulondoloza noma uthathe enye inqwaba enkulu, ngayinye yalezi zinqumo isitshalomali esikhathini esizayo. Futhi uma ungumhambi ofana nami, izindaba ezinhle ungathola amaphuzu namamayela ngenkathi uthatha lezi zinyathelo ukuze uphile ndawonye.
Ezinye zehhotela eliphezulu nezinhlelo zokuthembeka zezindiza zinikeza amaphuzu, amamayela kanye neminye imivuzo "yokukhulelwa." Nazi izibonelo ezimbalwa.
Thenga ikhaya
Uma uthenga noma uvuselela ikhaya, ungase uthande ukucabangela ukwenza kanjalo ngokusebenzisa i-Quicken Loans, ehlangene ne-United MileagePlus. Amalungu avala noma avuselele isikweletu semali angathola amakhilomitha angama-25,000 omklomelo. Uma uyilungu le-TrueBlue, i-JetBlue inikeza ngamalungu ama-25,000 umklomelo wamamayela ngokuthenga noma ukuvuselela ikhaya usebenzisa i-Quicken Loans. I-American Airlines AAdvantage inikeza amalunga ayo imivuzo ngokusebenzisa iMiles From Home, uhlelo losizo lwezwe langempela. Amamitha asekhaya abambisana nomthengi ngamunye onendawo eqinisekisiwe yendawo yokuhlala futhi lapho ukuvalwa kwendlu kuvaliwe, ilungu livuzwa ngamakhilomitha angu-50,000 AAdvantage. Amamayela angeziwe anikezelwa kumalungu kokubili athengisa futhi athengise amakhaya awo ngeMiles kusuka ekhaya.
Khokha izikweletu zakho zesevisi
Kungakhathaliseki ukuthi uyaqasha noma ungumnikazi, isikhathi siyeza inyanga ngayinye ukukhokha izikweletu zakho zesevisi. Ngakho kungani ungatholi isinyathelo esisodwa eduze kweholide lakho leholide ngenkathi ukhona?
Imiklomelo ye-Marriott ihlanganyele ne-NRG Home, inkampani yokunikezela kwamandla okunikeza amalungu amaphuzu amabhonasi ukuze abe amakhasimende asekhaya le-NRG. Amalungu athole amaphoyinti angu-10 000 ebhonasi lapho engena ngemvume futhi amaphuzu amabili kuwo wonke ama-dollar 1 asetshenziswe engxenyeni yokunikezela ye-bill yabo kagesi. Uma usebenzisa igesi ukushisa ikhaya lakho, ungathola amaphuzu ebhonasi angu-2 500 namaphoyinti amabili kuwo wonke ama-$ 1 asetshenzisiwe ngokubhalisela inkonzo yegesi yemvelo yaseNRG.
Ngokubambisana kwayo ne-NRG, amalungu e-Hilton HHonors athola amaphuzu ebhonasi ayizinkulungwane eziyishumi ngemuva kwenyanga yesibili njengekhasimende le-NRG Energy namaphuzu amathathu ebhonasi kuwo wonke ama-dollar ayi-1 asetshenzisiwe. Imiklomelo ye-Southwest Rapid iphinde ibambisane ne-NRG, inikeze amalungu angu-10,000 Akhawulezayo Imivuzo yebhonasi amaphuzu ngemva kwezinyanga ezimbili njengeklayenti le-NRG.
Amaphuzu Okusheshayo aseTexas abakhetha konke i-Energy njengoba umphakeli wabo kagesi athola ibhonasi yokubhalisa amaphuzu angu-5,000. Kulabo abangabanikazi besikweletu se-Rapid Umvuzo, ungathola ibhonasi engeziwe yokubhalisa engu-2 500. I-Virgin America iphakamisa inikeza amaphuzu amabhonasi angu-2 500 namaphuzu amabili kuwo wonke ama-dollar angu-1 asetshenzisiwe nge-Energy Plus, inkampani yombuso etholakala emazweni akhethiwe.
Vikela Ubunikazi Bakho
Ngokwephulwa kwedatha kanye nezinye izinsongo zokuphepha okwenza izinhloko njalo ngeviki, kuyakhokha ukugcina ubunikazi bakho buvikelekile. Ibuye ikhokhe uma kuziwa ekuzuzeni amaphuzu namamayela, njengoba izinhlelo eziningana zokwethembeka zinikeza umvuzo kumalungu abhalisela i-LifeLock, isevisi yokuvikela ukweba ukwebiwa. Amalungu AAdvantage angathola izinsuku ezingu-30 zokukhululeka zokuvikelwa kwe-LifeLock, kanye nama-7,000 AAdvantage amabhonasi wamamayela wokungena ngemvume. Nge-MileagePlus, ungathola ama-miles angama-4,000 omklomelo uma ubhalisa nge-LifeLock Ultimate Plus unyaka owodwa kanye namamayela ebhonasi engeziwe angu-1,500 ngonyaka ngonyaka wakho wesibili nowesithathu njengelungu le-LifeLock.
Ukwengeza, amalungu e-HHonors abhalisela i-LifeLock athola izinsuku ezingu-30 zamahhala, amaphesenti angu-10 avela kuze kube ngu-12,000 amaHonors amaphuzu. Imivuzo ye-Wyndham iphinde inike amalungu ayo amaphuzu okuvuza angu-7,000 namaphesenti ayishumi ku-LifeLock ngokubhalisa.
Vula i-Akhawunti Yokutshalwa Kwezimali
Kunokuba nje uvumele imali yakho ukuhlala e-akhawuntini yasebhange, i-akhawunti yokutshalwa kwezimali ingasiza izimali zakho zikhule ngokushesha ngokuhamba kwesikhathi - konke ngenkathi uthola amaphoyinti namamayela endleleni. Ngokufanayo ne-LifeLock, i-Fidelity Investments ihlangene nezinhlelo ezimbalwa zokuthembeka kwezindiza ukuze zinikeze amaphuzu namamayela kumalungu abhalisela ama-akhawunti wokutshala izimali. I-AAdvantage, i-MileagePlus ne-Delta SkyMiles ngayinye ihlinzeka amalungu angama-50,000 amabhonasi wamamayela lapho evula futhi efaka i-akhawunti yokuthengiswa kweFidelity engekho yomhlalaphansi. Uma usanda kutshalwa imali futhi udinga ukusiza, abanikazi be-akhawunti ye-Fidelity nabo bazuzwa emhlahlandlela womuntu ngamunye ngaphandle kwe-intanethi, ngefoni noma ngomuntu.