Loaʻa Loaʻa Loaʻa Loaʻa Loaʻa Loaʻa Loaʻa
No ke aha e hāʻawi nuiʻia ai nā kaʻana kālā ma ka wā pōkole ma mua o nā kālā kālā ma ka wā pōkole?
Hoʻonuiʻia ka hoʻolaha kālā ma ka wā pōkole e like me ka loaʻaʻana o ke kālā maʻamau a, me ka likeʻole o ka uku kālā wā pōkole,ʻaʻole hiki ke hoʻololiʻia e nā lilo waiwai. E nānā pono kākou.
He aha nā kālā nui i loaʻa i nā māhele?
I kēlā me kēia makahiki, hui nā mea kuleana o ka waihona kālā i ka manaolana no ka loaʻaʻana o nā hāʻawi kālā kālā kālā mai kā lākou waihona kālā. ʻO ka loaʻaʻana o nā kumukūʻai o nā kālā nui ma muli o ka'āpana kālā e kūʻai ana i nā palekana i loko o ka waihona kālā. Eia kekahi laʻana, inā kūʻai ke kumukūʻai hoʻokahi i nā hale laulima o'Elekela, ua koiʻia e māhele i ka 95% o ka waiwai i kūʻaiʻia ma ia kūʻaiʻana e hoʻolako i nā mea kuleana.
Ināʻaʻole kāu kālā i hoʻopaʻaʻia i kahi heluʻauhauʻauhau (e like me, 401k, 403b, IRA), pono nāʻauhauʻai kālā e uku i kaʻauhau ma kēia māhele.
Ka lōʻihi vs. Nā Māhele Wāwahi Loa Loa
Inā hoʻolilo ka waihona kālā i nāʻili i loaʻa iā ia no ka 12 mau mahina aʻoi paha,ʻo ka loaʻa o nā loaʻa ma muli o ia kūʻaiʻana he "uku kālā wā pōkole" a ua puʻunaueʻia aku i nā mea kuleana e like me ka hoʻolahaʻana i ka loaʻa kālā ma ka wā pōkole.
Akā, inā he kālā kālepa i kūʻai aku iā ia no nā mahina heʻoi aku i ka 12 mau mahina,ʻo nā uku i loaʻa mai ma muli o ke kūʻaiʻana ua hoʻohālikeʻiaʻo ia he "kālā loaʻa i ka wā lōʻihi" a ua māheleʻia e like me nā'āpana kālā loaʻa i ka wā lōʻihi.
He kūpono kūpono kēia, akāʻo ka mea āu iʻikeʻole ai, hiki i nā mea kuleana ke kū'ē i nā kaʻana kālā ma ka wā lōʻihi a me ka wā pōkole no ka loaʻaʻana o nāʻene ma kahi kālā hoʻokahi, no ka lōʻihi o kāu mau kuleana i loko o ka waihona .
E hoʻomanaʻo, ua hoʻokumuʻia ka manawa kūpono e pili ana i ka manawa mālama o ka waihona kālā no nā palekana i loko o ka waihona kālā,ʻaʻole i ka lōʻihi o ka mālamaʻana i ka waihona kālā o kēlā me kēia.
No ke aha ke kumu o ka weheweheʻana?
ʻO ka hoʻokaʻawaleʻana i nā kaomi kālā ma ke kū pōkole a me nā'āpana kālā pōkole ka wā pōkole ke kumu o ka hihia a me ka haunaele. Eia kekahi laʻana, inā loaʻa iāʻoe kahi'āpana kālā no kekahi mau mahina a ma laila e kūʻai aku i waiwai no ka waiwai, ua loaʻaʻoe i kahi waiwai waiwai wā pōkole. Ināʻaʻoleʻoe i nui nā lilo e hōʻemi ai i kēia waiwai,ʻo ka hopena i loaʻa ka waiwai pōkole a loaʻaʻoe i ka ukuʻauhau kālā maʻamau no ka nui o ke kālā āu i hana ai no ka hopena. Ma kēia hanana i loaʻa ai iāʻoe mai ka kūʻaiʻana a me ka kūʻaiʻana i nā mahele o ka pūʻulu kālā, hiki iāʻoe ke hoʻohana i nā hopena pōkole e hiki ai iāʻoe ke hoʻomaopopo i nā lilo o ke kumukūʻai e hōʻemi ai i kāu kuleana kālā.
He mea nui ia eʻike ai no ka mea,ʻaʻole ia he mea kūpono i ka wā e loaʻa ai nā kaʻina kālā ma ka wā pōkole ma ka waihona kālā. Ma ka hopena, inā loaʻa iāʻoe kahi puʻu kālā likeʻole e loaʻa iāʻoe nā'āpana kālā ma ka wā pōkole, ponoʻoe e hōʻike iā lākou ma kāu panehoʻiʻauhauʻo ke kālā loaʻa.
Ma keʻano likeʻole o ka uku kālā ma ka wā pōkole,ʻaʻole hiki i nā lilo waiwai ke hōʻemi i nā kāpili kālā kālepa pōkole a hoʻoemi i kāu kuleana kaulike.
Ke Kino Lōpū ma nā Māhele Wāwahi Loa Loa
ʻAʻole naʻeʻoe i maopopo e pili ana kēia pilikia e pili ana i ka loaʻaʻana o nā kumupali kālā no ka wā pōkole i ka hāʻawiʻana i nā'āpana kālā ma ka wā pōkole. E noʻonoʻo i kēiaʻano - hiki iā ia ke lilo i mea pilikia i ka nui āu i manaʻo ai e ho'ēmi i kāu pili kālā ma o ka hoʻohanaʻana i nā kumukūʻai hōʻiliʻili kālā a me ka hoʻokomoʻana i ke kālā kūpono .
Inā manaʻoʻoe a iʻole kāu kākā'ōlelo kākoʻo kālā e hāʻawi like nā hoʻolaha kālā kālā no ka wā pōkole e like me nā uku kālā wā pōkole, hiki iāʻoe ke kahaha nui i ka manawaʻauhau, ināʻoi aʻeʻoe i nāʻauhau ma mua o kāu i manaʻo ai.
E nānā hoʻi: Top 10 Nā mea eʻike ai e pili ana i kaʻauhau kālā kālā