E ulu a wikiwiki i kāu kālā
Pono e uku i kāu kālā i kāu uku,ʻaʻole e uku iāʻoe i nā uku, a kōkua iāʻoe me ka maluhia a hoʻonui i kāu waihona. ʻOiai he mea maʻalahi kēia, ma nāʻaukā he nui wale kēiaʻikepili he pipedream. ʻO ka'akekeke kahawai maʻAmelika Hui Pūʻia e uku i nā uku liʻiliʻi a uku i nā uku kiʻekiʻe ināʻaʻoleʻoe e hoʻokō i nā koi. Ke kū nei kēia mau'ake i waho o ka lehulehu, mahalo i nā uku liʻiliʻi, nā uku ukupanee a me kaʻike hoʻopanee maikaʻi. E hahai pū me kēia alakaʻi e koho i kāu pūnaewele mālama kālā e hoʻonui i kāu mau hopena.
01'Okela Overall: FNBO Direct
ʻO ka FBNO kahi o ke Kumukānāwai'Oleka mua o Omaha, a he hui kahiko kahi hui me nā aʻa ikaika o Nebraska. Loaʻa iā ia nā wahi ma nā moku'āinaʻehiku, ma ka hapa nui ma waena. Hiki iāʻoe ke wehe i kahi moʻokāki pūnaewele hou me kahi kākoʻo $ 1.
Loaʻa ka FNBO Direct i kahi 1.60 pakeneka APY. Hoʻomaopopo pūʻo FNBO i ka nānāʻana, no laila hiki iāʻoe ke hana i kāu mauʻoihana kālā a pau ma kēia kāleka. ʻO FNBO Direct kekahi mema o ka pūnaewele PopMoney, e hāʻawi aku i nā hoʻololi wikiwiki, i nā hoaaloha a me nāʻohana ma nāʻaha'ē aʻe.
Uaʻoluʻolu nā loiloi i ka panakō, e noʻonoʻo ana i kāna mauʻoihanaʻoihana kūʻokoʻa a me nāʻoihana pūnaewele wale nōʻaʻole he mea nui loa. Akā inā makemakeʻoe i ka nui o ka ukupanei,ʻae FDIC a me kahi hoʻonaʻauao palekanaʻole, ua uhiʻo FNBO Direct iāʻoe.
02 Aia no nā hoʻoponopono kūpono maikaʻi wale: Synchrony
He Bank Waihonaʻo Synchrony Bank me kahi moʻokūlā punahele punahele punahele. Hoʻolālā nā mea kūʻai i nā loiloi huahua nui Synchrony, e uku nei i ka 1.55 pakeneka APY, i waena o nā kaʻina hoihoi nui loa ma ka'āina. Me ka FDIC 'inikua a me ka nui mau uku hoʻoponopono, he lawaiʻa kaulana loa ia no nā waihona mālama kālā.
ʻOiai ka kiʻekiʻe o ka huina kālā, e loaʻa ana i kēia pēke kekahi mau haʻahaʻa haʻahaʻa no ka lawelaweʻana o ka poʻe lawelawe a me kāna pūnaewele ukiuki pūnaewele. Hōʻike ka poʻe hōʻike i nā lawelawe kūleʻa nele a me kahi pūnaewele kūpono. ʻAʻoleʻo Synchrony e hāʻawi aku i kahi pūkeke pūnaewele pili a hoʻokahi wale nō lālā kūlike o ka lālā ma New Jersey.
Inā makemake kāu mea a pau e mālama i kāu kālā i ka loaʻaʻana o ka ukiuki i loko o kahi helu mālama mālama, he koho maikaʻi kēia. ʻAʻole loaʻa nā uku mālama kālā ma ka mahina, he $ 1 ka pale kau palena nui loa, a ināʻoe e hoʻohui i kāu pūnaewele mālama pūnaeweleʻo Synchrony i kāu huli mua no nā hoʻoili pūnaewele, hiki i ka loiloi i kāu kālā keʻano wikiwiki a maʻalahi.
03'Okela no ka hoʻonuiʻana i ka hoʻoponoponoʻana i nā waihona kālā kālā: Bank CIT
Inā makemakeʻoe i nā kumukūʻai maikaʻi a me nā lālā kūpono,ʻo CIT Bank kahi koho nui (ʻaʻole e pilihua me Citi Bank). Ke hāʻawi nei ka waihona kālā hoʻolaha nui a ke Kōmikeʻo CIT i kēia manawa i ka 1.55 pakeneka APY, e waiho ana i ka papa kiʻekiʻe o nā waihona palekana.
ʻO ka mea e pono ai ka hōʻai'ē he $ 100 ke kauʻana o ka pale kauʻana a ua hoʻokūʻiaʻo FDIC. ʻAʻole pili nā kumukūʻai no ka hoʻohana mauʻana. ʻAʻoleʻo CIT e hāʻawi aku i kahi helu hōkeo, no laila e pono anaʻoe i nā kālekaʻehā e hoʻohana i kēiaʻike. Hōʻike kekahi mau manaʻoi kahi'ilipiliʻoi aku ma ka pūnaewele ʻO ke Bank CIT a hoʻokahi OneWest Bank he hui like a hāʻawi i nā wahi ma ka'āina.
Ka Hui Kuleana maikaʻi loa: American Bank Bank
ʻO kaʻoihana American Express ma mua o kaʻoihana kāleka kāleka. ʻOiai ka hapanui o nā mākaʻikaʻi huakaʻi i hāʻuleʻole i keʻano, hoʻokahi wale nō huahana hōʻai'ēʻole ma Amexʻaʻole e hele i waho o keʻano: nā kumukūʻai hoʻopakele. Ma o ke American Bank Bank, hiki iāʻoe ke wehe i kahi moʻowāki e uku nei i ka 1.45 pakeneka APY.
Uaʻoi aku ka maikaʻi o kaʻikeʻana o ka FDIC waiwai ma mua o ka palena o kaʻoihana kūʻai kuhi kūʻai,ʻaʻohe mea nui loa i ka mea e paʻa ana i kahi kāleka kāleka Amex. ʻO kaʻaoʻao nui o nā mea kūʻai Amex i kēia manawa,ʻaʻole i hoʻokomoʻia nā pūnaewele a me nā pūnaewele i nā pūnaewele kāleka.
ʻO kēlā'ōlelo, he wahi palekana, kiʻekiʻe kahi hoihoi e kau i kāu kālā. He kāleka pūnaewele wale nō ia, no lailaʻaʻoleʻoe e loaʻa i kekahi mau lālā. Akā,ʻo ka 2010, makemake pono i kahi lala lālā inā hiki iāʻoe ke hoʻololi i ke kālā ma ka pūnaewele no ka meaʻole?
05'Okela no ka Hoʻoponopono Hoʻoponopono Huakaʻi & Hoʻoponopono: Ally Bank
Hoʻoliloʻo Ally Bank i kekahi pūnaewele mālama kālā pūnaewele maikaʻi'ē aʻe, ke hāʻawi nei i ka 1.45 pakeneka APY. ʻAʻole hoʻolaha kēia kāpena i nā uku mahina, e nānā i nā kālā inā makemakeʻoe e mālama i kāu mauʻoihana kālā ma kahi hoʻokahi, a me nā waihona pūnaewele pūnaewele mai kāu kelepona pololei i kāu pūnaewele mālama.
Ua mālama maikaʻiʻiaʻo Ally i nā pūnaewele pūnaewele a me nā pūnaewele pūnaewele, akā e hoʻomanaʻo i nā pūnaewele pūnaeweleʻaʻoleʻoe e kau i kahi kālā. Ma muli o ka hāʻawiʻana o ke kāleka i nā kālā hōʻai'ē, hiki iāʻoe ke lawe i kahi kāleka ATM no kāuʻike a hoʻohana me ka ukuʻole ma kahi pūnaewele nui o nā ATM. Mahalo i ka nui o ka huina kālā, hiki i nā hoʻololiʻana a me kahi pūnaewele i kūkulu maikaʻiʻia,ʻo Ally kahi koho maikaʻi loa no nā pono kīwila a pau, e like me ka nānāʻana i kaʻikeʻana.
06ʻOihana kiʻekiʻeʻoihana kiʻekiʻe: Capital One Bank
ʻO ka Capital One's 360 Savingsʻaʻoleʻo ia ka helu hōʻailona nui loa ma kona hui, akā naʻe, hāʻawi i nā uku iʻoi aku ma mua o ka nui o kaʻawelike. ʻO ka pānaʻi hoʻolālā o kēia wā he 1.00 pakeneka APY. ʻAʻole i loaʻa ka palena palena palenaʻole o ka pūʻulu me ka ukuʻole aʻo ka hapa nui o nā pūnaewele pūnaewele wale nō, akāʻo Capital One kekahi mau wahi ma nā kūlanakauhale nui o ka'āina.
Hoʻokaʻawaleʻo Capital One i kaʻikeʻana i nā huaʻai maikaʻi ma kahi'ē aʻe i ka waihona kālā,ʻo ia hoʻi, hiki iāʻoe ke lawe i ka palapala kāleka a hana i kāu mauʻoihana kālā ma lalo o hoʻokahi hale ke hoʻohanaʻoe i kēia pūnaewele. Hiki nō hoʻi iāʻoe ke hoʻoili wale i ke kālā i a ma waho o kekahi pūnaeke kāleka'ē aʻe i huiʻia maʻAmelika Hui PūʻIa,ʻo ia keʻano maʻamau no nā kāʻei a pau ma kēia papa inoa.
ʻO kahi hiʻohiʻona maikaʻi ka hiki iā ia ke wehe i 25 waihona helu waihona kālā no kēlā me kēia mea lawe waihona. ʻO kēia keʻano e hiki iāʻoe ke hoʻonohonoho i nā hoʻoili kūikawā i kāu kālā helekai, kahi kālā hoʻolālā, kahi kālā kālepa o nā keiki a me kekahi pahuhopu hoʻopakele'ē aʻe.
07 Ka Waihona Mokekaika Hou: Goldman Sachs Bank
ʻO Goldman Sachs he hale kūʻaiʻo Wall Street a he mea hou aku ia i nā mea kūʻai kālā. Ua kapaʻia kona kapa'āinaʻo Marcus By Goldman Sachs. Loaʻa kahi kālā mālama kālā a Marcus i ka 1.50 pakeneka APY.
Ua maʻalahi ka helu me kaʻaeʻole o ka uku. He wahi kahi e mālama ai i kāu kālā me ka uku maikaʻi. E like me nā pūnaewele pūnaewele,ʻaʻole hiki iāʻoe ke hoʻokaʻawale i ke kālā, akā, ua maʻalahi ke hoʻololi i ke kālā i kahi aiʻole mai kekahi pūnaewele ma ke kāleka i kākoʻoʻia. ʻAʻole nui ka haʻawina o kaʻike kālā, akā he aha ka nui o kāu e pono ai e launa pū me kahi kāleka e paʻa nei i kāu mālama waiwai kūpono?
Hāʻawiʻo Marcus i nā haʻawina pilikino, a ua waiho kekahi mau mea noi i nā pane e pili ana i ka pūnaewele. Akā,ʻo ka nui o nā kumukūʻai e hoʻomanaʻo nuiʻia.