Ama-ATM, Amakhadi Ezikweletu, Abahloli Abahlola, Nokuthola Imali E-Asia
Ngendlela encane yokukhetha, abahambi abaningi abaqiniseki ngezindlela ezingcono zokufinyelela imali e-Asia ngenkathi behamba. Ukukhetha ngokungalungile kungadla imali eningi elahlekile kwizimali zasebhange kanye namakhomishini.
Njengoba i-mantra endala yokutshala imali ihamba: ukuhlukahluka. Ukubheja kwakho okuphephile kakhulu ngokuba njalo nezimali zasekhaya e-Asia kuwukuthi ube nezindlela ezingaphezu kweyodwa zokufinyelela kuzikhwama.
Nakuba ama-ATM ngokuvamile engcono kakhulu yokuthola imali e-Asia, amanethiwekhi eziqhingini noma ezindaweni ezikude angadlula izinsuku ngezinsuku.
Amashini avame ukuthatha amakhadi; amabhange amaningi ngeke athumele emarebeni angaphandle. Ukuze uthole ukuthula kwengqondo, udinga amafomu okusekelayo wezimali.
Izinqumo zakho zokuthola imali ngenkathi uhamba e-Asia ngokuvamile zikhawulelwe kulezi zinketho:
- Ukusebenzisa ama-ATM wendawo
- Ukushintshanisa imali ekhaya ngemali yendawo
- Ukusebenzisa ikhadi lesikweletu ngemali yentuthuko
- Ukukhokha ekuhloleni komhambi
Ukusebenzisa ama-ATM weMali Yendawo yase-Asia
Ngaphandle kwamadolobhana amancane neziqhingi, ama-ATM axhunywe kuwo wonke amanethiwekhi amakhulu aseNtshonalanga manje atholakala ezindaweni eziningi zokuvakasha e-Asia. I-Myanmar yiyodwa yokugcina e-Asia, kepha ama-ATM amaningi angatholakala manje.
Ukusebenzisa ama-ATM ukuze uthole imali kusho ukuthi ungaphatha imali encane ngokuphepha, isilinganiso esihle ngokulwa nobugebengu obukhona . Ungathola nje imali uma kudingeka. Ama-ATM ahambisa imali yasekhaya, aqede isidingo sokushintshanisa imali.
Ngaphambi kokuthatha ikhadi lakho le-ATM e-Asia, hlola ibhange lakho; abaningi bakhokhisa imali encane yokuthengiswa kwamanye amazwe (cishe u-3% noma ngaphansi) isikhathi ngasinye lapho uthola imali.
- Yazi ngezikhalazo zamanje e-Asia ngaphambi kokuba ufike.
Amathiphu okusebenzisa ikhadi lakho le-ATM e-Asia
- Vumela ibhange lakho likwazi ukuthi uzosebenzisa leli khadi phesheya ukuze lingabhanki i-akhawunti yakho futhi livimbe ikhadi uma amacala ephuma e-Asia! Bona ezinye izinto ongayenza ngaphambi kokushiya ekhaya .
- Izimali ze-ATM e-Asia ziyahlukahluka ngakho njalo hlola kuqala; Imali eThailand iseduze kwe-US $ 5 ngokuthengiselana ! Ngenxa yalesi sizathu, ungase uthande ukuthatha umkhawulo wamalanga onke ngosuku. Ithiphu: Ama-ATM ahlanganiswe namabhange ngokuvamile abe nemingcele ephakeme yansuku zonke kunezingqinamba ezithatha umzamo omkhulu wokugcwalisa ngemali.
- Kwezinye izindawo, amasela afaka amadivaysi okukhwabanisa ekhadini phezu kwe-slot yangempela kuma-ATM. Umfundi uthatha inombolo yakho yekhadi njengoba ikhadi lakho lingena ngaphakathi komshini. Naka i-slot yekhadi , futhi unamathele ekusebenziseni ama-ATM kumabhange noma ezindaweni ezimatasa.
- Uma ukhetha inani elizolihoxisa, khetha inombolo ezokwenza umshini uhambise izikweletu ezincane kunokuba uthole amanothi amakhulu ehlelo okungase kube nzima ukuwaphuza kamuva. Ngokwesibonelo, ungaceli ama-baht angu-6 000, cela okungenani u-5,900 baht.
Ukushintshanisa Imali e-Asia
Okwesibili kuya kuma-ATM, abantu abaningi basashintsha imali esikhumulweni sezindiza ngemuva kokufika e-Asia. Nakuba kunokwethenjelwa, amazinga okushintshaniswa ngokuvamile awavumi.
- Yiba nomqondo wezinga lokushintshanisa ngamazwe ngaphambi kokuba ufike kodwa ungalindeli ukuthola njalo isilinganiso samanje.
- Izikhumulo zezindiza ziphephile, kodwa ngokuvamile zinikeza amazinga okushintshanisa kakhulu kunawo wonke.
- Ngesinye isikhathi emgwaqeni, unamathele ekushintshaneni imali emabhange; Izitokisi zemizila emigwaqweni engahleliwe zingase zenzeke noma zingase zingabi ngokomthetho. Ukuhlukunyezwa kuvamile - ungalokothi ushintshe imali nomuntu emgwaqeni.
- Bala imali yakho ngaphambi kokuhamba kude newindi lokushintshanisa.
- Ungamukeli amanothi aqhekekile noma aphelile. Abaningi baphonswa ngamanye amazwe futhi bangase bangakwazi ukuchitha kamuva.
- Kwamanye amazwe afana neNepal, kuzodingeka ugcine iresidi yakho ukushintshanisa imali imali yakho siqu endleleni yokuphuma. Lokhu ukuqinisekisa ukuthi awuzange uthole imali ngenkathi uhlala ezweni.
Bheka amanani okushintshanisa amanje namasu amaningi okushintsha imali e-Asia .
Ukusebenzisa amakhadi esikweletu ase-Asia
Nakuba ukuphatha ikhadi lokuthenga ngesikweleti ekuhambeni kwakho kusobala ukuthi ungumqondo omuhle wezimo eziphuthumayo, ungalindeli ukusebenzisa ikhadi lesikweletu njengomthombo wakho oyinhloko wezimali zokudla nokuthenga.
Iningi lezitolo ezincane, imigoqo nezindawo zokudla eNingizimu-mpumalanga ye-Asia aziwamukeli amakhadi esikweletu, futhi labo abenzayo bayokwenziwa ngokugcwele noma bathumele ngo-10% noma ngaphezulu. Ibhange lakho cishe lizophinde likhokhise imali yokuthengiswa kwamanye amazwe ngaphandle kokuba unekhadi elidayiswe kubahambi.
Amakhadi wesikweletu asetshenziselwa kakhulu ekudleni kokudla kanye namahhotela, ukukhokha imisebenzi efana nokudilika kwe-scuba, nokubhuka izindiza ezishibhile e-Asia. Uma ungasebenzisi ikhadi lakho kancane, ithuba elincane lokuthi unombhalo uzobe unqatshelwe - inkinga ekhulayo e-Asia.
Amakhadi esikweletu angasetshenziswa kuma-ATM ukuze uthole ukuthuthukiswa kwezimali eziphuthumayo, nakuba uzokhokha imali yokuthengiswa kwamanye amazwe kanye nezindleko zenzalo ekuthuthukisweni kwezimali ngokuvamile ziphakeme.
I-Visa ne-MasterCard yamukelwe kabanzi kulo lonke elase-Asia kunamanye amakhadi.
Ukusebenzisa Ukuhlola Kokuvakasha E-Asia
Amasheke ahamba nge-American Express angashintshaniswa emabhange ase-Asia yonke imali. Ukuthatha amasheke omhambi kuyisilonda esidala sokungenisa imali eningi ngesikhathi esisodwa, noma kunjalo, baqala ukuthandwa kakhulu.
- Ikhomishana ivame ukufakwa ngethekhi, bese ukuthwala amasheke amakhulu ezinkolo kuzoholela emalini embalwa.
- Amasheke okuhamba kufanele asetshenziswe njengendlela ephuthumayo yokushintshanisa imali yendawo; amahhotela nabathengisi ngeke bawakwemukele ngokuqondile.
- Ngaphambi kokushiya ekhaya, rekhoda izinombolo ze-serial zokuhlola zomvakashi wakho ku-imeyili efihliwe kanye nenombolo yomhlaba wonke ukubika amasheke alahlekile noma asebiwe.
Thatha amaDola ase-Asia e-Asia
Kungakhathaliseki ukuthi umnotho, i-dollar yase-US isasebenza kangcono njengezimali zokuhamba ezingxenyeni eziningi zomhlaba. Amadola angashintshaniswa noma asetshenziswe kalula nge-pinch kunezinye zezimali. Kwamanye amazwe - iCambodia, iLosos, iVietnam, iMyanmar, neNepal, ukubiza amagama ambalwa - ama-dollar ngezinye izikhathi ngisho nokukhethwa ngaphezu kwemali yendawo. Ukuze kulungiswe lokhu, ohulumeni base-Asia sebeqalile ukubeka imikhawulo emisha ekhuthaza ukusetshenziswa kwemali yendawo ngaphezu kwamaRandi ase-US.
Ngisho nezibalo zokufuduka ngokuvamile zikhetha ukuthola ama-dollar ukuze uthole izimali ze-visa lapho abahambi bangena ezweni. Khokha kunoma yikuphi imali esebenza kahle kakhulu kuwe.
Ukuphatha imali eningi kungumqondo omubi, kodwa ukutholakala kwamadola ase-US ngesandla ezinhlobonhlobo zezenkolo kuzokufika kahle. Qiniseka ukuthi uthwala amanothi amasha, amanothi amasha njengabaguquli bemali ngokuvamile bayenqaba ukudala, izikweletu ezigugile.
- Uma intengo inikezwa ngama-dollar esikhundleni sezimali zendawo, uthemba izinga lokushintshaniswa lomthengisi - cela izindleko kokubili zezimali.
- I-scam evamile eVietnam ukucaphuna intengo ku-dong, bese uthi imali eyizigidi zama dollar uma ucelwa ukuba ukhokhe! Funda kabanzi mayelana nokusebenzisa imali eVietnam .