No ke aha e makemake aiʻoe i ka makemake
- Hanaʻoe i ka mea loaʻa kāu waiwai inā makeʻoe?
- Ke mālama neiʻoe i kāu kālā ke makeʻoe?
- Hanaʻoe i ka mea i kohoʻia i kahu no kāu mau keiki liʻiliʻi ināʻoe e make?
ʻO wai ka makemake i makemake?
ʻAʻole makemake wale nā makemake no ka mea waiwai a waiwai . Ma muli o ka nui a me ka nui o kāu kālā, e hōʻoia anaʻo ka waiwai a me nā waiwai āu e loaʻa nei e hele i kaʻohana a iʻole nā mea kōkua āu i koho ai. Inā loaʻa iāʻoe kahiʻoihana, hiki i kahi pai ke kōkua e hōʻoiaʻiʻo i ka hoʻololiʻana i nā mea waiwai.
Ma waho aʻe o kāu waiwai a me kāu waiwai pilikino, inā he mau keiki liʻiliʻi kāu, pono ka makemake. E mālama ponoʻoe e koho i nā kahu hānai o kāu mau keiki inā ponoʻoe e hele ma mua o ka pihaʻana o kāu mau keiki i ke kānāwai.
Ma muli o ka makemake, hiki iāʻoe ke inoa i ka mea iʻikeʻia he mea hana kauoha , aiʻole i ke kanaka āu i hilinaʻi ai e loaʻa ka mana e hōʻoia i ka hoʻokōʻana i kāu mau makemake a i ka mālama ponoʻana i kāu mau mea e pili ana i ka ukuʻana i nā bila ka hōʻai'ēʻana i nā kāleka.
Me ka makemakeʻole, e hoʻoholo ka 'aha i kēia mau hoʻoholo no kou inoa, me kekahi poʻe, ma o ka wā lōʻihi a pinepine hoʻi i hoʻokaumahaʻia i kapaʻia he hōʻailona. Heʻuʻuku nā kānaka e make i ka wā e hiki mai ana, akā inā e make kokeʻoe me ka makemakeʻole, e alakaʻiʻoleʻoe i kāuʻohana a me nā mea aloha i ka hilahilaʻole a me ka hopohopo i ka manawa i pilikia.
Loaʻa iāʻoe kahi loio?
No ka hapanui o nā kānaka, he maʻalahi ka makemake e hana a hiki ke hoʻomākaukauʻia me ka hoʻohanaʻana i nā polokalamu kānāwai e like me Quicken Willmaker Plus (Nolo Press, e pili ana i $ 50), ka mea e kōkua iāʻoe e hoʻokumu i kahi Living Will, Living Trust, Bypass Trust, Power Power of Attorney, a me nāʻano kānāwai loea'ē aʻe. Inā loaʻa iāʻoe kahiʻoi akuʻoi aku o ka pilikia, aʻaʻoleʻoe eʻoluʻolu i ka hoʻohanaʻana i nā polokalamu no nā papahanaʻoi aku iʻoi aku ka paʻakikī, ponoʻoe e nīnau i kekahi loio i ka loio a hiki paha iā ia ke hana pū me kahi palapala hōʻailona kālā (CPA).
Peheaʻoe e hoʻomaka ai?
Ma ka liʻiliʻi, pono ke koho i kekahi kahu i kēlā me kēia manawa o kou ola: koho i kahu ke loaʻa kāu mau keiki liʻiliʻi, e koho i kahi luna kauoha no ka lawelaweʻana i kou makemake ke makeʻoe, a wehewehe i keʻano o ka makemake e hāʻawiʻia kāu waiwai.
ʻO ka hana mua i ka hoʻoholoʻana i kāu makemake e hoʻokaʻawaleʻia kāu waiwai e hōʻiliʻili i kaʻike. Ponoʻoe i ka mea e hiki ai i kēia mea no kāu mea i kohoʻiaʻo kou makemake (e like me nā keiki, ka wahine, nā mea i hoʻonohonohoʻia, ka luna kauoha a me nā mea'ē aʻe):
- Nā inoa
- Helu wahi
- Nā lā hānau
Ponoʻoe e mālama i kekahi moʻolelo no ka nui o nā aie a pau, e like me nā moraki, nā loina kaʻa, nā loans haumāna, nā loina pāʻoihana, a me nā kālā kāleka kāleka .
He papa inoa o nā waiwai, me nā hōʻike kūpono e pili ana i kēia mau mea:
- Waiwai paʻa
- Kākela (nā hōke kālā, nā CD, ke kūʻai kālā)
- Nāʻaukā kālā (stocks, bonds, fund mutual, CDs)
- 401 (k), IRA, peni uku penikala
- Nā'ōlelo loiloi ola ola a me nā makahiki makahiki
- Loaʻa ka kuleana'āina i kahiʻoihana
- ʻO nā kaʻa, nā moku, nā moku, a me nā kaʻa'ē aʻe
- Kekahi waiwai waiwai waiwai
Pono nō, ponoʻoe e mālama i nā kope o nā leka e loaʻa nei, nā manaʻo hilinaʻi, nā palapala hoʻohemo, nā palapala hoʻoholo a me nā palapala kānāwai'ē aʻe e pā i kāu makemake. Inā hoʻoholoʻoe e hana i kou makemake ma ka hoʻohanaʻana i nā kamepiula like Willmaker, hiki iāʻoe ke noho i mua o kou kamepiula me nāʻike a pau ma luna a i loko o kekahi mau hola e hana i kahi makemake i kū i ke kānāwai. Ināʻoluʻoluʻoe i ka loaʻaʻana o kahi loio iā ia, ponoʻoe e mākaukau e lawe i kēia ma luna a me nā mea'ē aʻe paha meʻoe i kāu koho.
Ma keʻano o ka loliʻana o ke ola, maikaʻi loa ke nānā hou i kāu makemake i kēlā me kēia manawa a iʻole ma luna o kekahi mau hanana ola nui e hōʻoiaʻiʻo ai e hoʻomanaʻo ana kou makemake i kou mau makemake. ʻO ka hope, akā,ʻaʻole iʻole,ʻo ka maikaʻi o nā makemakeʻaʻole ia e maikaʻi ināʻaʻohe mea iʻike i ka loaʻaʻana. E hōʻoia i kaʻohana o kāuʻohana a me kāu mea hoʻoponopono eʻike i kahi e mālamaʻia ai kou makemake.