Albert: Budgeting and Banking

UHLELO LOKUSEBENZA LWEMALI OLUNGAPHAKATHI KUNYE
Yenza isabelomali, wonge, sebenzisa, futhi utshale imali. Konke kuhlelo lokusebenza olulodwa olunamandla kakhulu. Thola ukuqapha ubuwena amahora angu-24 ngosuku, izinsuku eziyi-7 ngosuku, thola imali oyilondolozile, bese ubuza i-Genius noma yini. Kudingeka ukubhalisa. Zama izinsuku ezingu-30 ngaphambi kokuthi ukhokhiswe.

IBHANGE ELINGCWELE
Khokhelwa kuze kube yizinsuku ezi-2 kusenesikhathi ngediphozithi eqondile. Thola imali emuva ezitolo ezikhethiwe. U-Albert akayona ibhange. Bona okwengeziwe ngezansi.

UKUPHATHWA KWEBHAJETHI NEZEMALI ZOMNTUThola isabelomali sanyanga zonke, ulandelele izindleko, futhi wenze ngezifiso uhlelo lwakho lokusebenzisa imali. Bona wonke ama-akhawunti akho endaweni eyodwa bese ulandelela izikweletu eziphindaphindayo. Thola okubhaliselwe ongakusebenzisi bese uxoxisana ukuze wehlise izikweletu zakho.

UKONGA NOKUTSHALA NGOKUZENZAKALELAYO
Imali ehlakaniphile idlulisela imali ngokuzenzakalelayo ukuze ikusize wonge futhi utshale imali. Vula i-akhawunti yokonga enenzuzo ephezulu ukuze uthole i-Annual Percentage Yield (APY) encintisanayo kumadiphozithi akho, ngaphezu kwesilinganiso sezwe esiphindwe ka-9. Tshala imali kumasheya, ama-ETF, kanye namaphothifoliyo aphethwe. Bona okwengeziwe ngezansi.

VIKELA IMALI YAKHO
Ukuqapha ama-akhawunti akho, isikweletu, kanye nobunikazi bakho amahora angu-24 ngosuku, izinsuku eziyi-7 ngesonto. Thola izexwayiso zesikhathi sangempela uma sibona ukukhwabanisa okungenzeka. Ngaphezu kwalokho, landela amaphuzu akho esikweletu.

UKUDALULWA
U-Albert akayona ibhange. Izinsizakalo zasebhange ezinikezwa yi-Stride Bank, N.A., Ilungu le-FDIC. Ama-akhawunti okonga e-Albert agcinwa ukuze kuzuze wena emabhange anomshwalense we-FDIC, okuhlanganisa ne-Wells Fargo, N.A. Ikhadi lokudonswa kwemali le-Albert Mastercard® likhishwa yi-Stride Bank, N.A., ngokwelayisensi ye-Mastercard. I-Mastercard kanye nomklamo wemibuthano kuyizimpawu zokuhweba ezibhalisiwe ze-Mastercard International Incorporated. Izimali ku-Albert Cash zigcinwa ku-akhawunti ehlanganisiwe e-Stride Bank, N.A. Izimali ze-akhawunti ye-Cash and Savings zifanelekela umshwalense we-FDIC ofika ku-$250,000 ngesisekelo sokudlulisa. Umshwalense wakho we-FDIC ungaphansi kwemibandela ethile ehlangatshezwayo.

Amacebo ka-Albert aqala ku-$14.99-$39.99. Ivuselelwa ngokuzenzakalela kuze kube yilapho ikhanseliwe noma i-akhawunti yakho ye-Albert ivaliwe. Khansela kuhlelo lokusebenza. Bheka Imigomo ukuze uthole okwengeziwe.

U-Albert Genius ungumsizi wezezimali we-AI futhi angenza amaphutha. Ulwazi noma izincomo ze-Genius zinikezwa "njengoba zinjalo" futhi zingase zingalungi.

Ama-Instant Advance ayatholakala kuwe ngokubona kuka-Albert. Imikhawulo isukela ku-$25-$1,000, kuye ngokufaneleka. Akuwona wonke amakhasimende azofaneleka futhi ambalwa afanelekela u-$1,000. Akukho ukubhalisa okudingekayo. Imali yokudlulisa ingasebenza.

Ukukhishwa kwesikweletu okusheshayo yi-FinWise Bank, i-Member FDIC. Imikhawulo isukela ku-$25-$1,000, kuye ngokufaneleka. Izimali zokudonsa ziyasebenza. Akukho ukubhalisa okudingekayo. Imigomo iyasebenza.

Imalimboleko Esheshayo ikhishwa yi-FinWise Bank, i-Member FDIC, noma i-Albert, ngaphansi kwamalayisense e-Utah naseFlorida. Imalimboleko iqala ku-$1,000, futhi incike ekufanelekile nasekubuyekezweni kwesikweletu. Akukho ukubhalisa okudingekayo. Imigomo iyasebenza.

Ukufinyelela kusenesikhathi ezimalini zediphozithi eqondile kungahluka kuye ngesikhathi sediphozithi somkhokhi.

Imali ebuyisiwe ngokuya ngemigomo.

Izinga lenzalo le-akhawunti ye-High Yield Savings liyahlukahluka futhi lingashintsha nganoma yisiphi isikhathi. Amanani akhona kusukela ngomhlaka-24/2/26. Akukho mfuneko encane yebhalansi. I-Genius iyadingeka ukuze ufinyelele i-High Yield Savings. Imali yokusebenzisa i-Albert inganciphisa imali engenayo ku-akhawunti yakho.

Izinsizakalo zomthengisi ezinikezwa yi-Albert Securities, ilungu le-FINRA/SIPC. Izinsizakalo zokweluleka ngokutshalwa kwezimali ezinikezwa yi-Albert Investments. Ama-akhawunti okutshala imali awaqinisekisiwe yi-FDIC noma aqinisekiswe yibhange. Ukutshala imali kuhilela ingozi yokulahlekelwa. Okuqukethwe kokutshala imali okunikezwe yi-Albert Genius kungamathuluzi ocwaningo, hhayi izincomo. Ulwazi olwengeziwe ku-albrt.co/disclosures.

Isilinganiso sesikweletu esibalwe kumodeli ye-VantageScore 3.0. I-VantageScore 3.0 yakho evela ku-Experian® ikhombisa izinga lakho lobungozi besikweletu futhi ayisetshenziswa yibo bonke ababolekisi, ngakho ungamangali uma umbolekisi wakho esebenzisa isilinganiso esihlukile ku-VantageScore 3.0 yakho.

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