No ka mea nāna e makemake e uku i nā uku ināʻaʻoleʻoe e loaʻa?
ʻO kāu mīkini helu ke kikowaena o kāu mauʻoihana pono'ī,ʻo ia ke kumu no ka nui o ka kohoʻana i kaʻaina kūpono no kāu mau pono. Inā makemakeʻoe i ka nānāʻokoʻaʻana, kahi mua o nāʻaukā nui nui, hiki iāʻoe ke hana i kahi mea hahai holoholona a ponoʻoe e nānā i nā kumuhana koʻikoʻi ma hope o kāu papa inoa.
Nā uku o ka mahina:ʻO kahi mua e nānā aiʻo ia nā uku o kēlā me kēia mahina. ʻAʻole loaʻa nā kaulike kaulike kūponoʻole a iʻole nā koi e pale aku i ka uku mālama malama. ʻAʻole pono he uku palekana ma nā mea a pau.
Nā ATM: Kūkākūkā pūnaewele me nā pūnaewele ATM nui. Ma mua o kou kākau inoaʻana, e hōʻoia i kāu mau helu hōʻailona hou e hāʻawi i nā wahi ATM i kūpono iāʻoe. Inā loaʻa iāʻoe kahi mau hilinaʻi mau aiʻole makemake e kipa aku i kaʻohana "hoʻi mai i ka home," e hōʻoia aia he mau ATM ma laila. Akā,ʻo nā hōʻaika maikaʻi loa e hoʻolimalima i nā kumukūʻai o nā ATM'ē aʻe aʻaʻole hoʻi e uku aku iā ia inā nōʻoe e hele i waho o ka pūnaewele.
Kāleʻa kālā:ʻO ka mea nui nui no nā pūnaewele pūnaewele wale nō ke waiho nei i ke kālā. ʻO ka pahu nui, ka'āina kahiko e mālama i nā lālā no ka waiho kālā, he mea waiwai nui. ʻAʻohe pono e hōkeo i kāu kālā i nā kālā hōkei kūponoʻole. Inā he mea nui ia iāʻoe, e noʻonoʻo i kahi loea kālā aiʻole ka lālā kūlā kūikawā.
I kēia manawa ua uhiʻia nā kumuhana a pau, ma lalo nei eʻikeʻoe i nāʻaha maikaʻi loa me ke kānanaʻole i kēia lā. No laila eʻoni i kā mākou papa inoa a e kōkua mākou e koho i kahi mea e pono iāʻoe.
01ʻOno piha loa: Ally Bank
ʻO Bank Ally kahi pūnaewele pūnaewele wale nō me kekahi o nā pūkekeka lakaʻole maikaʻi loa i kēia lā. Hele mai me ka ukuʻole, a hiki i $ 10 ma ka mahina mahina no ka hōʻaihoʻi houʻana i nā kumukūʻai ATM no nāʻaukā'Āpanaʻokoʻa'ē aʻe, ka waihona pūnaewele pūnaewele a me ka uku nui loa i ka hana.
ʻAʻole i hāʻawiʻo Ally i ka hapani maikaʻi loa, e uku ana i ka 0.10 pakeneka APY ma nā kaulike i kahi $ 15,000 a me ka 0.60 pakeneka ma ka palena o $ 15,000 a ma luna. Eia naʻe, ka hui pūʻana o nā uku no ka hana maʻamau a me kekahi o nā koho kiko'ī pūnaewele maikaʻi loa a puni,ʻaʻole hiki iāʻoe ke hele hewa me kēia pūʻulu helu. ʻO ka mea wale nō āu e hikiʻole ai ke hana,ʻo ia ka hūnā kālā. Ināʻaʻoleʻoe i loko o kahiʻoihana koʻikoʻi,ʻaʻole paha he hopena.
02 Loaʻa Hou Loaʻa: Capital One
ʻO ka pauku nui 360 Checking he helu nui no ka ukuʻole. Loaʻa iā ia nā pūnaewele pūnaewele a me nā pūnaewele pūnaewele āu e manaʻo nei mai kahi kāleka pūnaewele a hāʻawi iʻehā mau koho no nā hana hou, me ka hoʻohālike auto, ka hoʻokuʻu liʻiliʻi mai nā waihona a me ka laikini keu. Eʻoluʻoluʻoe i ka hoʻolimalimaʻana i nā uku no ka wā pauʻole, a me nā uku'ē aʻe e ukuʻia no nā hana o kēlā me kēia mahina.
Kūleʻa kēia kāpena i ka hoʻolālā he 0.20 pakeneka no ka palekana i $ 50,000, heʻoi aku ka maikaʻi ma mua o ka loaʻaʻana iāʻoe ma Ally no nā kumukūʻai palena haʻahaʻa. Hiki i nā kupa ke loaʻa he 39,000 ATMs free-free, akāʻaʻohe uku no nā kumukūʻai ATM'ē aʻe. ʻAʻole kēia'apena pūnaewele wale nō. Hāʻawi lākou i kaulahaoʻo Capital One Cafes, nā mea pālua e like me nā hale kūʻai kope a me nā lālā bank i hoʻokahi.
03'Okela no ka Budgeting: Māmā
Ināʻoe e lawe i kāu punaewele punahele punahele a me kā kāleka make-kāhea maikaʻiʻole a hoʻohuiʻia iā lākou, hiki iāʻoe ke hoʻopau me Simple. Kūleʻa wale nō i kahi helu wale nō, kahi kākika no-me ka uku i pili pono i kāna pūnaeweleʻikepili me ka polokalamu kele pūnaewele. Akā,ʻaʻole i pau nā pūnaeke'auki pūnaewele i nā hoʻololiʻana a me ka uku uku pākēlua, hāʻawi lākou i kahi mea nui aʻe.
Kūpono ka hoʻonohonoho kālāʻana a me ka hoʻolālāʻana i nāʻano hilinaʻi i kūkuluʻia i loko o ka polokalamu like āu e hoʻohana ai no nāʻoihana pūnaewele. ʻAʻohe mea e noʻonoʻo ai inā hiki iāʻoe ke kūʻai, hiki iāʻoe ke nānā aʻe aʻike pono ma kahi. Hoʻohālike pū kekahi i kahi hanana pahuhopu hoʻopili e kōkua iāʻoe e hoʻokuʻu i ke kālā no kahi hele aku, kūʻai a iʻole kekahi mea'ē aʻe.
'Aʻohe like i ka nui o nā "helu hōʻemiʻole" e uku nei i nā uku no kekahi mau hemahema hemahema,ʻaʻohe uku i nā kumu. No kekahi mea. ʻOiaʻiʻo. Hiki iāʻoe keʻike i kahi ala e hele mai ai mai ka hoʻohanaʻana i kāu kelepisa kaʻa ma waho oʻAmelika Hui PūʻIa a iʻole kekahi uku mai kahi ATM'ē aʻe, akā,ʻaʻohe uku i ka manawa kūponoʻole.
04 Aia me nā koho nui: Bank of Internet USA
ʻOiaiʻaʻohe pono o ka Pūnaewele kahi hiki iāʻoe ke hele,ʻo kahi kahi kūpono loa no kona pēlā pono'ī. ʻO Bank of Internet USA he pūnaewele pūnaewele no kekahi maʻAmelika Huipūʻia, aʻeono mau helu hilinaʻi kūikawā e koho ai,ʻekolu mau uku no ka ukuʻole.
ʻO ka hōʻailona hōʻailona heʻaha kālāʻole me ka hoʻolimalima palenaʻole o kēlā me kēia kālā ATM āpau, he mea nui ia no ka poʻe i ukuʻia ma ke kikowaena pololei akā ua makemake e hele i kahi ATM e hoʻolilo i kālā (kahi kūpono e pili i ka loaʻa kālā). ʻO ka Platinum Checking heʻoi aku ka maikaʻi no ka poʻe hoʻohana i ka ATM liʻiliʻi ($ 8 i ka uku houʻana no ka mahina, $ 5,000 hapa palena palena no ka hoihoi). ʻO ka mea kumuʻo Essential Checking, ka mea hāʻawiʻole i ka uku hoʻopaneʻe akā hāʻawi iāʻoe i ka palena palena ATM palenaʻole me ka palenaʻole.
05 Kumukānāwai maikaʻi loa no: Bank5 Connect
Inā makemakeʻoe i kahi moʻokākiʻike pūnaewele e uku nei i nā uku hoʻolimalima paʻakikī me kaʻole e lele i nā hoops, ponoʻoe e nānā i Bank5 Connect. Mālamaʻia kēiaʻili kālā me ka loaʻaʻana o kahi waihona $ 10 a ponoʻoe e mālama i $ 100 i loko o ka helu no ka loaʻaʻana o ka uku, i kēia manawa i ka hoʻokūkū he 0.76 pakeneka APY.
ʻO kekahi o nā pono nui loa,ʻo ia ka uku hōʻai'ē ATM, hiki ke piʻi aku i $ 15 ma ke kaʻina o ka hōʻike. ʻO kahiʻehā aʻelima mau huakaʻi hele i kahi kahiko ATM muaʻole ma ka ukuʻoleʻana i hoʻokahi keneta o ka pahu. ʻO ke kumu hou, loaʻa iāʻoe nā loina pūnaewele pūnaewele maʻamau e like me ka uku pāʻoihana pūnaewele, nā'ōlelo pūnaewele (ponoʻoe e uku no ka loaʻaʻana iā lākou i ka leka uila), ke kelepona pūnaewele, ka papahana kūʻokoʻa o nā kāleka papahana a me nā uku kāleka kahe ke hanaʻoe. ʻaʻole kūʻai PIN no ka hoʻonuiʻana i nā lā a pau. ʻO kēiaʻano kālā ukiuki he mea maʻamau no ka hoʻolālāʻana i kēia mau lā, i lilo ai ia i mea waiwai nui loa.
Kāleka maikaʻiʻo 06 no ka ukana kālā: Bank Block
I ka manawa maʻamau, e ponoʻoe i ka'aleka hōʻai'ē no ka loaʻaʻana o ke kālā maikaʻi loa, akāʻo Discover e hāʻawi aku i kahi hoʻolālā koʻikoʻi me ke kālā pakeneka hoʻokahi a hiki i $ 3,000 ma nā kūʻaiʻana o ka malama. Aia kēia i $ 360 no ka makahiki ma ke kālā kālā ma muli o kāu mau hana hoʻolālā, a me ka ukuʻole o ka waihona helu me ka ukuʻole no ka hana maʻamau.
ʻAʻole kēia uku kālā i kēlā me kēia mahina aʻaʻole loa he kaulike kaulike, he kūlana e hōʻaia i kēia papa inoa. Kūlepaʻo Bank i 60,000 mau ATM a me ka ukuʻole a loaʻa pū me ka helu pūnāwai houʻole i ka wā e hoʻohana aiʻoe i kāu palapala helu pūnaewele, kahi paha e mālama ai i kēia manawa a me kēia mau makahiki.
ʻO kaʻaoʻao nui i kēia helu,ʻo ia ka palapala kāleka eʻike i ka laikini,ʻo ia hoʻi,ʻaʻole hiki iāʻoe ke hoʻohana ia mea no ka kūʻaiʻana i nā palapala kāleka i kākoʻoʻia e like me Visa a me Kāleka kāleka. Eia naʻe, me ka aneaneʻole kahi uku ma waho o ka hoʻounaʻana i ka leka, e hoʻomaha ana i ka uku a me ka hoʻolālā hopohopo, e hiki iāʻoe ke leʻaleʻa i nā mea a pau e pili ana i kēia pūnaewele me ka ukuʻoleʻana i ka uku.
07 Ka Waihona maikaʻi loa me Free Checking no ke Komohana Hou: Schwab Bank
ʻO Charles Schwab kekahi o nā'ūki kūʻai ukiuki kaulana loa maʻAmelika Hui PūʻIa. Akā, he wahi huna ko Schwab: Ke hāʻawi nei hoʻiʻo ia i kekahi o nā papa helu hoʻokipa maikaʻiʻole. ʻIkeʻia e ka Schwab's Investor Checking pūnaewele kahi hōkeʻe kālā e wehe ai, no laila,ʻaʻole no nā kānaka a pau. Akā ināʻoe i nā kānana no nā mea hoʻoili waiwai, makemake pahaʻoe e hoʻohui i kēia waihona helu lainaʻole e like me ka bonus.
Hāʻawi kaʻaʻa wai i ka liʻiliʻi liʻiliʻi, akāʻo ka mea nui loa no ka poʻe malihini maʻamauʻo ia ka hoʻolimalima palenaʻole o nā kumukūʻai ATM'ē aʻe, e like me nā mea mai waho aku oʻAmelika Huipūʻia. ʻAʻoleʻoe e hopohopo no ka loaʻaʻana o pesos ma mua o kou hikiʻana i Mekiko a me ka Europa ma mua o ka uhiʻana i ka'ōmaʻomaʻo ma'ō aku o ka loko. I kēia manawa hiki iāʻoe ke hele i kahi ATM a loaʻa hou i ka uku no nā uku. Loaʻa iāʻoe kekahi o nā kumukūʻai maikaʻi loa me nā ATM,ʻaʻole e kūʻai aku i nā hale kūʻai a iʻole nā kamepiula āu eʻike ai ma nā wahi mākaʻikaʻi kaulana.