ʻIke PūnaeweleʻIke Pūnaewele

Ka mea e nānā ai ma mua o kou weheʻana i kahi pūnaewele pūnaewele

Mākaʻikaʻi ke kelepona iāʻoe e loaʻa ai kahi hoihoi, a ua maʻalahi. Akā,ʻo wai ka pūnaewele pūnaewele pono noʻoe? ʻO ka meaʻoiaʻiʻo,ʻo ka nui o nā pūnaewele pūnaewele e hāʻawi i kahi hua nui a he paʻakikī ke hele hewa. ʻO kēlā'ōlelo, he mea maikaʻi loa ka loaʻaʻana o kahi kūpono maikaʻi, no laila, e nānā hou i kekahi o nā mea nui loa e noʻonoʻo ai i kāu kūʻaiʻana i kahi pūʻulu hou .

ʻIkepili o nāʻIkeʻIkeʻIke Pūnaewele

He aha keʻano o ka waihona pūnaewele pūnaewele?

No ko mākou mau kumuhana,ʻo ia hoʻi he pūnaewele wale nō i hāʻawiʻia ma ka pūnaewele. ʻOiai e hiki iāʻoe ke kālepa me kahiʻoihana hoʻokahi i ka hana kahiko (i ke kanaka), ke hāʻawi waleʻia nā pūnaewele pūnaewele i nā mea hoʻohana pūnaewele.

Ma waho aʻe o ka hiki ke kāleka i loko o kou kapa komo, he aha nā mea nui o kaʻike pūnaewele pūnaewele? Hiki ke pane: heʻoi aku ka maikaʻi o ka makahiki ( APY ). Ma ke alakaʻiʻana i kāu mau hana ma ka pūnaewele, e mālamaʻoe i ke kālā kālepa e pili pono iāʻoe ma keʻano o nā uku hoʻolālā kiʻekiʻe. ʻO kaʻoi aku o nā mea,ʻaʻole iʻoi aku kaʻoihana likeʻole o nā'ahamele maʻamau e like me nāʻoihana brick-mortar.

Nā Kūkākūkā Nui no nāʻIkeʻIke Pūnaewele

Ke kūʻai akuʻoe a puni, e nānā i nā hiʻohiʻona i lalo nei, a kau i ka mea kaumaha i nā mea iʻoi loa iāʻoe (ʻaʻole pono kēia mau mea a pau). ʻO kekahi mau poʻomanaʻo i kahi o kekahi o kēia mau wahi, akāʻo nā mea'ē aʻeʻaʻole lākou e hāʻawi i kekahi o kēia mau hiʻohiʻona.

1. ʻO APY . ʻO ka mea maʻamau kaʻoihana nui loa no nā mea kūʻai lole (ʻike i ka uku hōʻai'ēʻo ka hōʻai'ē hōʻai'ē )
2. Loaʻa i ke kālā. Inā makemakeʻoe e lawe a hoʻohana, pehea ka nui o kāu hana?
3. E pili pono ana i ka helu ma luna: e loaʻa ana iāʻoe kahi kāleka kālā no ka hoʻoliloʻana i ke kālā ? Pehea e pili ana i ka uku pili kālā ?

1. Ka helu o nāʻike i pili . Hiki iāʻoe ke hoʻonohonoho i kahi pūnaewele o nā moʻomeheu a me ka pūnaewele Zpp e hoʻi mai ma kāu waihona pūnaewele pūnaewele?
2. Nā huahana a me nā lawelawe hou. Hiki iāʻoe ke kūʻai i nā CD , loaʻa kahi moraki, aiʻole e uku i nā bila ma ka pūnaewele ?
3. ʻO ka hoʻolimalimaʻana i nāʻoihana'aukiʻa o ka wā. Inā he hale pūnaewele pūnaewele āu i hoʻopuka ai i kēia manawa, hiki iāʻoe ke hoʻolālā i kekahi mau mea'ē aʻe ma ka mālamaʻana i kāuʻoihana a pau ma kahi hoʻokahi.
4. Nā koho lawelawe kaiāulu. Pehea ka maʻalahi ke loaʻa nā nīnau i paneʻia (hāʻawiʻia kou papahana)?
5. Nā hoʻonohonoho mālama hoʻopili. Hiki iāʻoe ke kau ia ma luna o ka pilot auto-a e hoʻokuʻu pinepineʻia ke kālā?
6. Ka palekana a me ka palekana. Ua mālamaʻia ka bank FDIC , a ke hilinaʻi nei aneiʻoe i kā lākou hana hoʻomalu?

Ke hoʻohālikeʻoe i nā hiʻohiʻona o nā pūnaewele pūnaewele pūnaewele, hiki iāʻoe ke koho i kahi mea maikaʻi. Eia kekahi laʻana, hiki iāʻoe ke hoʻoholo eʻoi aku ka waiwai ma mua o ka mea'ē aʻe i ka hoʻonuiʻana i kāu kālā paneʻe . No laila,ʻaʻoleʻoe e hopohopo e pili ana i nā hiʻohiʻona i luna - e koho waleʻoe i ke kāleka me ka APY kiʻekiʻe loa. E noʻonoʻo e noʻonoʻo i nā kumu e pale ai i nā pūnaeke pūnaewele pūnaewele , ma mua o kou hoʻokumuʻana.

ʻIke Pūnaewele Pūnaewele

Maanei eʻikeʻoe i nā hōʻike o kekahi o nā pūnaewele pūnaewele punahele i kaulana. ʻAʻole kēia he lālā lōʻihi -ʻo ia wale nō e hoʻomakaʻoe e hoʻolako i kekahiʻike no ka hanaʻana i kāu noiʻi pono'ī.

• Hoʻolālā o ka Pūnaewele Bank One 360 ​​o kaʻIkeʻIke Pūnaewele
• ʻO keʻano o ka loli Ally Bank
• Hoʻoponopono hou no ka PūnaeweleʻIke Pūnaeweleʻo Emigrant Direct
• Nāʻike hou aku o ka ConsumerSearch Online Bank

Hoʻokaʻaʻike i kāu mau'ōleloʻIke Pūnaewele Pūnaewele

I ka manawa āu i hana ai i kahi haʻawina home, kōkua i nā mea'ē aʻe e loaʻa i nā hana maikaʻi. Inā mākou e puʻunaue like i nāʻike, pono ke kālepa a me ka hāʻawi aku i nā mea kūʻai iʻoi aku ka maikaʻi.