Nā'Ahālike o nā'Apana o'Apana e hoʻohanaʻia e mālama ai i ka waiwai
Manaʻo au he mea pono paha e hana i kahi pepa inoa wikiwiki no ka poʻe e makemake nei eʻike i keʻano o nā helu a me nā palekana e noʻonoʻoʻia no ka hana ma lalo o nāʻano likeʻole. He mamao loa kēia, a ponoʻoe eʻike i nā mea i hoʻololiʻoleʻia i nā mea a pau ma hope mai o ka hoʻopukaʻiaʻana o kēia palapala ma hope o kaʻikeʻana o kaʻike a me ke kūkākūkā pū me kāu kūkākūkā kūkākūkā , akā, ma ka liʻiliʻi loa ʻoe i ke ala pololei a hāʻawi iāʻoe i ka manaʻo paʻakikī pehea e makemake aiʻoe e noʻonoʻo e pili ana i ka pilikia o ka palekana nui.
1. Ka Puke Paipai Palekana Nā koho no ke kālā e makemake ana iāʻoe
No ka kālā e pono aiʻoe, a inā paha e pono paha, a iʻole ka leka pōkole - i kekahi mau lā a iʻole ka liʻiliʻi -ʻelua mau koho maikaʻi loa eʻikeʻia he prosaic, akā,ʻaʻole hiki ke lanakila ma lalo o nāʻano he nui:
- Kāleka helu mālama ola FDIC
- FDIC mālama kālā mālama kālā
ʻAʻole hiki iāʻoe ke waiho i nā haneli haneli haneli (inā akamaiʻoe a hoʻopilikino pono i kāu kuleana pili pono, hiki iāʻoe ke holomua i ka hoʻonuiʻana i kāu mau palena palena FDIC maikaʻi a hiki i kahi mau miliona miliona;ʻaʻole ia ma waho o ka nui o kā mākou kūkāʻana) , akā, he mau lālā lālā kāu e hiki ai iāʻoe ke komo i loko inā e pono anaʻoe i ke kālā,ʻaʻoleʻoe e hopohopo e lawe i ka pōʻino, a ināʻaʻole kēia he hihia i kēia lā, ma lalo o nā kūlana kūʻai maʻamau, e loaʻa ana kāu uku kālā ma ke poʻo.
He paʻakikī ke hoʻopoina i kekahi manawa, akā,ʻo ka honua o ka huina kālā haʻawina i loaʻa iā mākou iho he anomaly moʻolelo e hikiʻole ke hoʻomau i ka manawa pauʻole.
Hiki paha, hiki iāʻoe ke mālama pono i ka kālā i loko o ka envelopp aiʻole e hoʻopaʻaʻia i loko o kahi pahu mālama mālama mālama, akā e pili ana i ka hala a me kaʻaihue.
2. Nānā Kāleka Palena koho no nā kālā E pono ana iāʻoe i loko o kēlā me kēia mahina aʻe
Ināʻoe e hoʻonui i kou puka makani i kahi lōʻihi lōʻihi, hiki iā mākou ke hoʻonui i nā koho hou aku i kāu papa kūʻai kūʻai papa.
- ʻO nā hihia bane o ka Moku'āinaʻoʻAmelika Huipūʻia no ka halaʻana o 90 a 180 mau lā, i mālama pololeiʻia ma ka Waihona Waihona o ka Moku'āinaʻoʻAmelika ma o ka waihona kālā Waihona
- FDIC hōʻoia hōʻoia no ka hoʻopili kālāʻana ma nā lā he 90 a 180 mau lā
- Kālepa FDIC i kālā mālama kālā (ʻaʻole kālā kālā kālā a heʻole kēlā mau mea)
E like me ke kaʻina hope loa,ʻo ka mea nui maʻaneʻiʻo ia e hōʻoiaʻiʻo i kā kākoʻo nui i kākoʻoʻia e ka hōʻailona kūpono o ke AupuniʻoʻAmelika Huipūʻia, iʻole aiʻole ma o ka Federal Deposit Insurance Corporation. Inā loaʻa kekahi pilikia kālā hōʻeuʻeu, makemakeʻoe e hiki iāʻoe ke puka i kāu kālā,ʻoiai inā pau kāu kāleka. Inā makemakeʻoe e kāleka ma kahiʻaha kālā, akā, e nānā anaʻoe no ka waihona o ka NCUA i hāpaiʻia,ʻo ia ka hōʻailonaʻo ka FDIC.
3. Ka hoʻopuka waihona waiwai kālā no nā kālā e pono ana iāʻoe i loko o nā makahiki aʻe he mau makahiki
Ma kēia hihia, hiki i kāu koho ke loaʻa ākea ākea e like me ka hiki iāʻoe ke hoʻohui i nā hiʻona kālā mālama likeʻole i loko o ka hui waiwai waiwai. Ma keʻano maʻamau, hiki ke hoʻohuiʻia ke kāʻei mua, ponoʻoe e koho i kahi lōʻihi lōʻihi (e like me ka hōʻikeʻana i nā palapala hōʻoiaʻiʻo o ka waihona kālā i nā makahiki he 5).
- Ke hoʻopili nei nā lālā paʻa i nā lā ma mua o ka lā i hiki ai iāʻoe ke kālā
- Ke kū nei nā lālā o ka moku'āina ma mua o ka lā i hiki ai iāʻoe ke kālā
- Nā hōʻailona mālama kālā US ( EE Series a iʻole Series Series I )
- ʻO ka US Agency Bonds mau loa ma mua o ka lā i hiki mua iāʻoe ke kālā
ʻO nā pilikia nui loa o kēia māhele e komo i ka lōʻihi o ka hoʻopaʻaʻana i ka hopena o ka uku hoʻopaneʻe, ka hopena o ka hōʻai'ē kālā o ka mea hoʻopuka puke, a me kou kūlana pololei no ka wā e manaʻo aiʻoe e pono anaʻoe i ke kālā (hele lōʻihi loa aʻoʻoe hiki iā ia ke pohō i ka haʻalulu i ka piʻiʻana o ka'ōlohelohe, e pili kokoke i kēia manawa a hiki iāʻoe ke waiho aku i nā hua liʻiliʻi ma ka pākaukau).
Ma nā hihia a pau, e makemake loaʻoe e pale i nā kāpili haole a iʻole nā meaʻoi aku kālā kālā ke kūʻaiʻia inā hiki ke hopuʻia iā lākou me ke koiʻoleʻana, e like me ka hopena o kahi pilikia.
E makemake pū pahaʻoe e nānā pono i nā lilo a me nāʻauhau. Ināʻoe i loko o kaʻauhauʻauhau kiʻekiʻe, ma keʻano o ke kahakiʻi, he mea nui loa paha ka loaʻaʻana o ke kūlanaʻauhauʻole o nā kuhi aupuni i ka loaʻa kālā iʻoi aku i loko o kāuʻeke ma mua o kahiʻoihana paʻaʻoihana kiʻekiʻe e like me kou makemake. e hoʻokaʻawale i ka calculator a e hoʻohālike i kāu huapalaha kaulike .
ʻAʻole ka Balance e hāʻawi i kaʻauhau, ke kālā, a me nā lawelawe kālā a me nā'ōlelo aʻo. Ke hōʻikeʻia nei kaʻike me ka noʻonoʻoʻole i nā kumu hoʻolālā, ka hoʻomanawanui palekana, a me nā kūlana kālā o kekahi mea kālā kālā kūpono aʻaʻole paha e kūpono i nā mea hoʻokele kālā. ʻAʻole i hōʻike muaʻia nā hana i hala aku nei. ʻO ka mālama kālā kahi hihia e pili ana i ka pohō o ke poʻo.