Eʻike i ka Bank e mālama iāʻoe i ka hauʻoli
Ke huli nei no ka mea maikaʻi
Hoʻonui i nā papahana i nā papa inoa o nā'ake maikaʻi loa e kāleka me. ʻOiai e kōkua ana kēia mauʻatikala, he mau palena ko lākou.
ʻO ka mea mua,ʻo kekahi mau pūnaewele wale nō ke'ōlelo i nāʻaha i loaʻa iā lākou nā "hoʻoponopono" me; ma ke kuhikuhiʻana i nā mea kūʻai, loaʻa ka mea hoʻopuka i kekahi mau kālā mai ke kāleka i ka wā e wehe aiʻoe i kahi moʻokāki (ʻaʻole pēlā i kākauʻia ai kēiaʻatikala;ʻAʻole wau iʻike i keʻano o iaʻano me nā poʻe i heluʻia maʻaneʻi aʻaʻole wau i loaʻa kahi uku kākoʻo. inā weheʻoe i kahi pūʻulu).
Hoʻolālāʻia nā papa inoa o nā kālepa i nā manaʻo nui me ka maopopoʻole o kāu mau pono. Hiki iā lākou ke haʻi iāʻoe i nā'alemole kaʻoihana kiʻekiʻe loa, akāʻaʻole pahaʻo ia ka mea āu i makemake nui ai i mea kūʻai. Keʻike nei i kahi peʻa maikaʻi loa noʻoe e pili ana i kaʻikeʻana i nā mea āu e makemake ai - ma mua o kou nānāʻana i nā inoa.
Inā makemakeʻoe e hele i kēia ala (no ka loiloiʻana i kāu mau mea mua), heluhelu i ka pehea e koho ai i kahi Bank .
Nā inoa kiko'ī
ʻO nā mea a pau i'ōlelo, i kekahi manawa o nā mea heluhelu e makemake wale nō e loaʻa i kekahi manaʻo. No laila, ināʻoe eʻimi ana i kahi kele pūnaewele ,ʻaʻole hiki iāʻoe ke hele hewa me kekahi o nā inoa nui.
He maikaʻi lākou a pau i kā lākou hana, a ke uku nei lākou i nā uku hoʻokūkū. Inā makemakeʻoe i nā inoa kiko'ī, e hoʻomaka me Capital One 360 , Ally , a USAA paha. ʻAʻole hiki iā lākou ke loaʻa i nā manawa a pau ka uku kiʻekiʻe loa, akāʻo keʻano nui loa ia.
Kūleʻa pono ka Bank
I kou kohoʻana i kahi pēke e lawai pū me ia, e mālama ponoʻoe e palekanaʻoe. Inā loaʻa kekahi manawa o ka liloʻana o kāu kālā,ʻo kaʻoihana maikaʻi loa ka liloʻana o ke kālā.
E hōʻoia i kekahi o nā bank i hoʻopaʻaʻia FDIC i hoʻopaʻaʻia a uaʻikeʻia nā'ahamele i ka NCUSIF . E mālama i kāu kaulike kaulike ma lalo o nā palena kuhi nui.
Nā Hui Kūloko
Hiki paha iāʻoe ke kānalua i kaʻike ponoʻana i kahi kūpono o kahi keʻena liʻiliʻi e kū ai i kāu mau pono. ʻO nā pūʻulu'āina a me nā uniona kālā i kāu papa inoa e like me kāuʻike noiʻi. Ma waho aʻe o ka hāʻawiʻana i nā lawelawe likeʻole e loaʻa iāʻoe mai nāʻaukā nui (i kekahi manawa me nā hōʻemi maikaʻi) he mau waiwai kūʻokoʻa lākou. Eia kekahi la, he wahi nui o ke kaiāulu āu e noho nei; ʻO nā kālā āu e waiho nei, e kōkua ana i nāʻoihana a me nā mea kūʻai kokoke.
Ma nā keʻena liʻiliʻi, eʻoi aku kaʻoliʻoli i ka lawelawe pilikino a me ka pilina me nā poʻe ma ke kāleka. Inā hikiʻole iāʻoe ke kū i ka manaʻo o ke kamaʻilioʻana me kekahi ma waho o kahi pūnaewele hea waho, e hele i kahi kaiaulu. He maikaʻi nō hoʻi ka hoʻoholoʻana i nā pilikia o ke kanaka i kekahi manawa (inā loaʻa iāʻoe nā pilikia). Ma kekahi hui nui, he kanaka kūʻaiʻoe no nā miliona, a i kekahi manawa e nānā ponoʻoe.
ʻO kahiʻeke kālā a'elepona paha ka maikaʻi? E hana paha kekahi i ka hana. E nānā i kahi keʻena i loaʻa nā huahana a me nā lawelawe āu e makemake ai, a he mea maʻalahi ia e hana pū me (me nā lālā a me nā hola, ka hana pūnaewele, a pēlā aku).
Koina ma ke Alanui
Inā he alaheleʻoe i ke alanui, hikiʻole i kahi keʻena o kahi kūka kahi kūpono loa e pani ai. E hāʻawi nui ana nāʻaha'āina nui i nā lālā a me nā ATM, no laila hiki iāʻoe ke hana i nā hana ma ke alanui a hoʻemi i nā uku. Eʻikeʻoe i nā lālā ma nā wahi āpau - i nā hale kūʻai. Eia naʻe, hiki i kahi kumupaliʻi liʻiliʻi ke kōkua i kāu mau koi ma kahi āpau o ka'āina ināʻo ia kahi o ka CU Service Network . Hiki iāʻoe ke mālama i nā hana maʻamau i kēlā me kēia lālā pilikino'ē aʻe ,ʻoiai ināʻaʻoleʻoe he lālā.
E makemake i nā mea kiʻekiʻe loa?
Inā makemakeʻoe e loaʻa ka helu kiʻekiʻe loa ma kāu kālā, eʻike anaʻoe e hoʻololi pinepineʻia nā peʻa maikaʻi loa. ʻAʻole ia he mea maʻalahi no nāʻeke e neʻe mai ke poʻo o ka paʻa i kahi ma ka waena ma hope o ka hōʻiliʻiliʻana i nā waiwai a lākou eʻimi nei.
Ināʻaʻoleʻoe i ke kālā a me kaʻike o kaʻikepili-ʻoihana,ʻaʻohe mea kūpono iā ia ke hoʻololi i nā uku maikaʻi.
ʻO ka hoʻoiliʻana i ke kālā mai kahi wahi ai kekahi mea paha,ʻo ia hoʻi, hiki kou kālā i kekahi mau lā me ka loaʻaʻole o ka uku, aʻo ka nele o nā kālā e hiki ke holoi i nā waiwai āu e loaʻa mai kahi kiʻekiʻe. Eia hou,ʻo ka weheʻana i nā hōʻailona hou no ka loaʻaʻana o kahiʻoiʻoi akuʻoi aku ka manawa eʻai ai. Ma mua o kou laweʻana, e noʻonoʻo inā hiki iāʻoe ke hana hou i nā mea'ē aʻe.
Nā Kuleke Huli
I kou manawa i koho ai i kahi o ka'akena ka mea maikaʻi loa i ke kāleka meʻoe, ponoʻoe e hoʻoholo i kāu kālā. Hiki i kēia kaʻina hana ke hana i nā pilikia, no laila e lawe i kou manawa a hana maʻamau. Hiki i nā hiccups hiki ke hoʻonui i nā uku āpau a hōʻeha paha i kāu heluʻai . No ka loaʻaʻana iā ia me ka mālie, heluhelu i ka pehea e kūʻai ai i nā Bank Banki .