Ehia mau manawa e hele pono aiʻoe i kāu lālā kāleka? Inā likeʻoe i ka poʻe nui i kēia mau lā,ʻaʻohe pinepine ka pane. Ua hōʻike koke aku neiʻoʻAmelika Hui PūʻIa, he puke pai no nāʻoihanaʻoihana lawaiʻa, he 92 pakeneka o nā Millennials, i kēia manawa ka mahele nui o ka poʻe US, koho i kā lākou kālā e pili ana i nā hāʻawi kālā. ʻEono hāneli pāʻani kālā e hoʻohana i ka'auke pūnaewele e mālama i kā lākou kālā. Me ka hilinaʻi nui ma luna o ka pūnaewele no ka mālamaʻana i ke kālā,ʻaʻole ia he mea kupanaha e ulu ana nāʻaha pūnaewele me kaʻike nui.
Nui nā koho nui no ka'auke pūnaewele i kēia mau lā, no laila mākou i pale aku ai i lalo i ka papa inoa i nā pūnaewele pūnaewele kiʻekiʻe e hiki ai ke kūpono i kāu kālā.
01 KaʻOihana Hoʻoponopono Pūnaewele Online: Ka Nuiʻo 360
ʻO ka lanakila pūnaewele pūnaewele i kēia lāʻo Capital One's 360 Checking, nāna e hāʻawi i nā hiʻohiʻona nui a kokokeʻole i nā uku. ʻAʻohe pilina no ka manawa o ka manawa,ʻaʻohe uku mālama a hiki iāʻoe ke wehe i kahi moʻokāki me ka palenaʻole. ʻOiai kāu palapala kākau mua loa he mea noa, e like me kāu kelepona a me ka ATM. Loaʻaʻo Capital One 360 i 39,000 mau ATM ma ka'āina ma o ka pūnaewele AllPoint ATM.
Ma waho aʻe o kona hoʻolimalima haʻawina a me ka hoʻohana ponoʻana o ka ATM, loaʻa iāʻoe nā mea a pau e makemake aiʻoe mai kahi kāleka pūnaewele,ʻo ia hoʻi ka uku pānaʻi, ke kākika huli pūnaewele a me nā koho keuʻehā e hāʻawi iāʻoe i ka loea e koho i ka hoʻololiʻana i nā hana. pūnaewele mālama kālā a laina line-of-credit a iʻole e uku i ke kūkākūkāʻana me kahi lā aloha aloha hoʻokahi lā ma mua o ka hoʻohanaʻana i nā uku hoʻolimalima.
02 Hoʻoponopono houʻana no nā mea kōkua hou: Ally Bank
Hāʻawiʻo Ally i nā uku kumukūʻai paʻakikī, heʻike nui ma ka pūnaewele a me kaʻike pūnaewele, a me nā hiʻohiʻona a pau āu e manaʻo ai mai kahi waihona pūnaewele. Akā, hoʻokahi kahi kahi e kū aiʻo'Ally i kāna mau koho koho.
ʻO nā poʻe me nā keiki, nā hana ola kaiaulu a me nā waiwai waiwai keʻike i ka hoʻounaʻana i nā hoʻololi i nā kālā'ē aʻe. Akā,ʻoi aku ka paʻakikī o kekahi mau mea i ka mea e pono ai, aʻaʻohe mea hoʻohana i nā polokalamu kālā kālā e like me Venmo a iʻole Kālā Kīkoʻo. Loaʻa maikaʻi iā'Ally i kahi polokalamu hoʻoili i loko o ka'ōnaehana e hana maikaʻi ana, a he lālāʻo ia no ka hāʻawi pūnaewele Zelle i kēlā me kēia lā i ka hāʻawiʻana i kekahi me kahi helu ma ke kākeke komo. Loaʻa i nā mea waihona pūnaewele ka hōʻai'ē ATM i kahi $ 10 ma ka mahina me ka hoʻohanaʻana i nā ATM pūnaewele.
03 Hoʻoponopono maikaʻi loa no ka huakaʻi: Bank Bank
Uaʻike nuiʻiaʻo Charles Schwab ma mua o ka mālamaʻana i nāʻoihana kālā, akā naʻe, he wahi kūpono ia ma kahi papa inoa. ʻO ka mālama kālā he mea ukuʻole, pūnaewele pūnaewele e pono ai kahi pūnaeweleʻauhauʻo Schwab. Hāʻawiʻo ia i ka uku pānaʻi, hiki ke hoʻololi i nā moʻolelo a me nāʻike ma waho o Schwab, a hōʻike i ka papa hana hoʻolālā like me nā hōʻike kālā'ē aʻe a Schwab no nā mea waiwai. Akā,ʻaʻole ia ka mea e lilo ai kēia moʻolelo i mea kūikawā no ka heleʻana.
Kālepaʻo Bank Bankingʻo CBS me kahi kāpena Debit ATM e ukuʻoleʻia e hoʻohana ma nā wahi apau o ke ao. Ma kou kūlanakauhale a nele i ka kālā? Mai hopohopo no ka loaʻaʻana o kāu pēke pono'ī e hoʻokaʻawale i ke kālā, hiki iāʻoe ke hele i ka ATM ma ka hale kūʻai, ka pā, a iʻole kekahi'ē aʻe'ē aʻe. ʻAʻole e ukuʻo Schwab i nā uku no nā ATM home a iʻole nā malihini'ē aʻe, a hāʻawi hou iāʻoe no ka uku i ukuʻia e nā'auwaʻa'ē aʻe. ʻAʻole ia he pili ināʻoe ma US,ʻEulopa,'Asia,ʻApelika a iʻole ma kahi'ē aʻe. Inā loaʻa kahi ATM, hiki iāʻoe ke hoʻohana me ka ukuʻole. Hiki ke hoʻopaʻaʻiaʻoe me ka ukuʻole i ke kālā ma Antarctica, akā,ʻoi aku ka palena palenaʻole i nā lawelawe kālā.
04 Aia ma ka huliʻana iā Cash Back:ʻO ka Bank Bank
Loaʻaʻia kaʻike no nā kāleka kāleka, akā he kī piha piha kona. A inā makemakeʻoe e loaʻa kālā ma kēlā me kēia kāleka kālepa a me ke kūʻai pūnaewele,ʻo Discover's Cashback Checking ke ala e hele ai. Kūleʻa nā mea kūʻai i hoʻokahi kālā kālā ma nā kūʻai kūʻai maʻamau a hiki i $ 3,000 ma ka mahina, hiki i ka maximum $ 360 no kēlā me kēia makahiki ma nā uku.
Ua ukuʻoleʻia ka helu no ka hana maʻamau ā hiki mai me nā loiloiʻole. Loaʻa i nā mea waihona pūnaewele nā wili keʻai kaomi aʻaʻole loa he uku no nā loiloi hou i hoʻopaʻaʻia eʻoe. ʻO kaʻaoʻao nui wale nō o kēia pūkaho,ʻo kaʻikeʻole i kāleka kālepa i kālepaʻoleʻia e like me ka Visa a iʻole MasterCard inoa kāleka. Akā inā hiki iāʻoe ke hele i kēlā, eʻoliʻoli nō hoʻiʻoe i ka'āinaʻo ka ATMs 60,000ʻole.
05 Ka Waihona Kikena Hou no ka Hānana: Everbank
ʻAʻole paha i kaulana ikiʻo Everbank i kekahi mau inoa'ē aʻe ma kēia papa inoa, akā, he mea pono ke nānā aku i ka mea nāna e mālama i kahi kālā nui ma kā lākou waihona moʻokāki. ʻOiaiʻo ka helu kālā he $ 5,000 ka pono o ka pale kauʻana, ponoʻo Everbank e noho mau i ka hapalima hapa nui o ka uku no ka nānāʻana i nāʻike. Ke hāʻawi nei kaʻaʻa nei i 1.21 pakeneka APR no ka makahiki mua, a he 0.25 pakeneka ma nā kaulike ma lalo o $ 10,000 mai kēlā manawa.
Pono, hiki iāʻoe ke hoʻololi i kāu kālā ma muli o ka hahaiʻana i nā mahele hoihoiʻoi aʻe ma hope o kēlā makahiki, akā, no ka nānāʻana i nā kālā, he 0.25 pakeneka ka palena hoʻokūkū. Hāʻawiʻo Everbank i nā kumukūʻai ATM i nā kāleka a pau ka lōʻihi o kou mālamaʻana i kahi hōʻai'ē $ 5,000, akāʻaʻohe uku ināʻoe e iho i lalo o kēlā wahi. ʻAʻole he uku no kaʻoi o nāʻoihana maʻamau, aʻo nā uku no ka nele i nā pono kīnā e laina pū me nāʻoihana'ē aʻe.
06ʻO ka Panini Kiʻekiʻe Hou no ka Hoʻoponoponoʻana:'Alahi
ʻO ka hōʻailonaʻana kekahi o nā mea paʻakikī o ka mālama kālā i kēlā me kēia lā. Manaʻoʻoʻoleʻaʻaʻole pono iaʻano, a kūkuluʻia nā mea hoʻopili kālā i loko o kāna waihona kālā. ʻO ka pūnaewele kaʻawaleʻole me ka hoʻolahaʻana i ka pahuhopu a me ka "palekana e hoʻolimalima" i nā hanana uila i kūkuluʻia. Ua kōkua ke kāleka iāʻoe e mālama i kāu kālā ma muli o ka liloʻana o ka mea maikaʻi.
ʻAʻole lākou e uku i nā uku no kekahi mea, akāʻaʻole lākou e uku hou i nā kumukūʻai ATM'ē aʻe. Hiki iāʻoe ke loaʻa kālā no kaʻole o AllPoint ATM, akā naʻe, me ka ukuʻole. ʻAʻole i hāʻawiʻia nā helu kūikawā i kahi waihona, akā e paipai lākou i nā leka a me nā leka uila noʻoe e hoʻohana ana i keʻano uku uku.
07ʻO ka 'Online Bank Online no ka mālamaʻana: Chime
He kūlike likeʻoleʻo Chime a me Simple, no ka mea,ʻaʻole lākou i loaʻaʻole nā uku me ka pūnaeweleʻike pūnaewele. ʻAʻoleʻo Chime i kapa ia he waihona helu hōʻoia,ʻoiaiʻo ia ka mea maoli. Akā, kapa lākou iā ia he "Pūʻai Hoʻolālā," e noho kokoke ana me kahi Pūnaewele Manuahi. Ke manawa e kākau inoaʻoe i nā hoʻoponopono Aunoa, e mālama pono i ka chime noʻoe i kēlā me kēia manawa e hoʻohana aiʻoe i kā kāleka Deime Chime. Hiki iāʻoe ke hoʻonohonoho pono i nāʻauhau hoʻopili polokalamu, no ka hoʻohālikelikeʻana i ka hapalima o ka hapa o kāu uku uku.
ʻO ka moʻolelo e hāʻawi mai ana i nā hiʻohiʻona maikaʻi loa āu e manaʻo ai mai kahi kāleka pūnaewele, akā hoʻokahi wale nō keʻano e mālama ai lākou i ke kiko'ī pololei. Ma mua o ka mālamaʻana i kāu kiko'ī kūpono ma ka "kali" limbo no nā lāʻelua, e loaʻa ana i ka poʻe kūʻaiʻo Chime i kā lākou uku uku i nā lāʻelua i hala aku ma kona kauʻana i loko o ke kele kālā. ʻOiaiʻaʻole ponoʻoe e mālama i ka hōʻailona no ka ukuʻana i ke alahele,ʻo ka loaʻa kokeʻana i kāu kālā,ʻaʻole ia he meaʻino.