ʻO ka mea pōmaikaʻi, hiki iāʻoe ke hui aku i nā uniona loea ma ka pūnaewele a loaʻa iāʻoe nā mea maikaʻi likeʻole.
ʻO nāʻaha'ai'ē i ho'ākākaʻia ma kēiaʻaoʻao he maʻalahi ia e hiki ai iā lākou, no kaʻaeʻana i nā waihona liʻiliʻi liʻiliʻi, ua hoʻopaʻaʻia lākou i ka hoʻomaʻamaʻa , a hiki iāʻoe ke hui pū me ka pūnaewele-i kēlā me kēia manawa a me nā wahi āu e makemake ai. Inā liloʻoe i lālā, hiki iāʻoe ke wehe i nāʻike a me nā waihona mālama kālā, e noi no nā loina online, a hoʻohana i nā pono kālā'ē aʻe.
ʻO ka lālā o ka Union Union
ʻO nā mea kūʻai i ke kapikala ka mea nāna i mālama i ke kula , me ka mana e hoʻohuli i ke kuhikuhiʻana o kaʻaha'ai'ē. No ka mea,ʻaʻohe hui kālā pāʻani kālā, nā uku a me nā uku no kaʻoihana kaiāulu. ʻAʻoleʻikeʻia nā uniona hōkeo e hua i nā waiwai a iʻole ka uluʻana no nā mea kūʻai i waho.
No ka hui pūʻana me kekahi loina, inā ma ka'ilikala a iʻole ke kanaka, ponoʻoe e āpono. No ka hoʻokōʻana i nā koi o ka "lālā o ka lālā," ponoʻoe e kaʻana like i kahi pilina paʻa me nā lālā o kaʻahahui.
Hiki ke hanaʻia i nāʻano he nui, e like me:
- Kahi e hana aiʻoe, aiʻole kaʻoihana āu e hana nei
- Kahi āu e noho aiʻole hana paha
- ʻO kou pili pili
- Ka lālā ma kekahi mau hui
- ʻO nā lālā o kaʻohana e noho lālā nei i kekahi'ahalā
Hele i ka pūnaewele
Hiki i nā koho pilikino a me nā mīkini, hiki iāʻoe ke hoʻohui i nā uniona loea ma ka pūnaewele.
Hiki i kēlā mau keʻena ke lawelawe i nā mea kūʻai aku i ka 'āina, aiʻole paha e hana paha lākou ma nā wahi liʻiliʻi. ʻO kēlā me kēiaʻaoʻao, ua like nā lālā o ka lālā.
Nā makana a me ka huiʻana o ka hui: Inā e noʻonoʻoʻoe peheaʻoe e komo ai i loko o ka hui like me nā mea'ē aʻe e nohoʻole ana ma kahi kokoke iāʻoe aʻaʻole hiki ke hoʻokaʻawale i kekahi mauʻano'ē aʻe,ʻo ka hopena e hui pū i kahi hui. Ma keʻano o nā uniona hōʻai'ē ma lalo nei, hiki iāʻoe ke kūpono ma o ka huiʻana i nā hui pūnaeweleʻole aiʻole e hana i kahi haʻawina liʻiliʻi i kekahi kumu.
E hoʻokaʻaʻike i ka pūnaewele, akā ma kahi o ka waihona: E hiki iāʻoe ke mālama i nā mea a pau e pono ai me ka hoʻokomoʻole i ka wāwae i loko o ka lālā, akā, ma ka hoʻohanaʻana i kahi loina pūnaewele e kāohi iāʻoe mai ka hanaʻana me ka mea ola. ʻO nā uniona hōkele i komo i ka pūnaewele alala like i hāʻawiʻia iāʻoe e kipa i nā lālā o nā'eiona'ē aʻe e lawelawe i nā hana ma kāu pūnaewele pūnaewele, a aia nā'āpana he mau lālā ma waena o ka'āina. Hiki iāʻoe ke hana i nā waihona a me nā hoʻihoʻiʻana, loaʻa nā mākei aupuni , a hāʻawi i nā hōʻai'ē kālā i nā uniona kālā kuʻuna no ka mea noa.
3 Kālā Kālā Pāʻani e Maʻemaʻe e Hoʻokolo Pūnaewele
ʻO Alliant Credit Union kekahi o nā uniona hōʻai'ē nui loa ma ka US no ka waiwai. Wahi ma Chicago, IL,ʻO nā mea e pili ana i nā mea e noho nei ma nā wahi e pili ana, hana a koho ai paha i nā hui, aiʻole iʻole nāʻohana o kaʻohana.
Nā mea hou aʻe:
- ʻO ka mea i lilo i lālā o ka Care Care Care for Success (FCS) ma ke hāʻawiʻana i $ 10 aʻoi aku paha ke noi aku i ka hoʻohuiʻana. He hui hoʻokumuʻole ka FCS e kōkua ana i kēlā me kēia manawa i ka haʻaleleʻana i ka pūnaewele hānai.
- 24/7 kiritaki lawelawe: Ma hope o ka polokalamu a me nā kohoʻoihana pūnaewele, hiki iāʻoe ke kāhea i ka lawelawe kaiāulu i kēlā me kēia manawa (keʻole nā lā hānai) no ke kōkua me kāu mau moʻokāki.
- Nā hoʻolaha mālama kiʻekiʻe:ʻO ka hoʻokūkū hoʻolālā kiʻekiʻe o nā mea hōʻai'ē me nā pūnaewele mālama pūnaewele, e uku ana i nā kumukūʻai o nā makahiki he nui (APY) me ka $ 5 mua o ka waihona kau palena. ʻAʻohe pilina mālama mālama maʻamau a hiki i kou kohoʻana i nā leka uila.
- Loea pūnaewele: ʻO ke taupānga hoʻohui a pau e hāʻawi i nāʻano hana likeʻole e like me nā nīnau noiʻi, nā noi hoʻoili, nā uku pāʻoihana pūnaewele , ka'aumike pūnaeweleʻike, a me nā mea hou aʻe.
NASA Federal Credit Union (NASA FCU) i hoʻomaka meʻehiku mau NASA a ua uluʻo ia i mua o 100,000 mau lālā. Ua hui pū kekahi mau loea a me nā hui me NASA FCU, a ua'āponoʻia nā limahana a me nā lālā o ia mau hui e hui pū. Hiki i nā pilina o nā lālā NASA FCU hou ke hoʻohana. Nā mea hou aʻe:
- Nā lālā kūpono:ʻO ka lālā me nā hui e hoʻonui iāʻoe e komo pū me NASA FCU. Loaʻa ka laikiniʻana o ka hui pū me ka National Space Space ma ka launaʻana i kaʻikeʻana iā NASA FCU, akāʻo nā hui'ē aʻe e mālama i $ 20 a $ 35.
- Loaʻa nā FICO i nā inoa:ʻO nā poʻe e hoʻohana ana i ka polokalamu kelepona hiki keʻike i nā helu FICO maoli , e nānā i ka loliʻana o kēlā me kēia mahina a hiki i ka mahina, a e aʻo i nā mea i pili i kā lākou helu.
- Nā kuhi kālā pilikino ma o PayPal: Loaʻa i kāu mau hoaaloha a me kāuʻohana he palapala PayPal, hiki iā ia ke hāʻawi i kālā i kekahi mea hoʻohana i kahi'ē aʻe aʻahaʻole. ʻAʻole pono iā lākou e hoʻouka i nā polokalamu a iʻole e kākau inoa no nā lawelawe hou .
- Nā polokalamu uila: ʻO ka NASA FCU pūnaewele hoʻolako i nā hiʻohiʻona a pau āu e manaʻo ai, me ka hoʻopili pūnaewele pūnaewele , ka uku pāʻoihana pūnaewele, nā noi noiʻi, a me ka leka uila mālama pono.
Aiaʻo Lake Michigan Credit Union (LMCU) kahi lopa nui a ulu nei i hoʻokumuʻia ma Grand Rapids, MI. Loaʻa ka lālā i nā poʻe ola, hana, hoʻomana, a hele i ke kula ma ka moku'āinaʻo Michigan. E like me nā hui uniona'ē aʻe, hiki iāʻoe ke hui pū inā pili koke kekahi lālā o kaʻohana ma o kēia lā-a ināʻoe i loko o kekahi mau hui. Nā mea hou aʻe:
- Makemake kūpono: Ua kūponoʻoe e hui pū me LMCU inā e hāʻawiʻoe i $ 5 aʻoi nui paha i ka Amyotrophic Lateral Sclerosis (ALS) Association. ʻO ka ALS Association he hui hoʻokumuʻole i hoʻolahaʻia no ka hakakāʻana i ka ALS, i kapaʻiaʻo Lou Gehrig's Disease, me ka noiʻiʻana, kākoʻo, a me ke kōkuaʻana.
- Ka nānāʻana i nā makana: LMCU e hāʻawi nei i kahi helu kākika e uku i kahi kiʻekiʻe APY i kāu palekana pili kālā - akā hiki iāʻoe ke hoʻohana i ka helu e like me ke kaʻina moʻomanaʻo maʻamau. Hoʻokuʻi ka waihona i kahi $ 15 i kēlā me kēia mahina ma nā kumukūʻai ATM, aʻaʻole i loaʻa ka palena palena palena. Eia naʻe, e like me nā uku helu hōʻai'ē , ponoʻoe e hoʻolālā i nā kumukūʻai kiʻekiʻe (e kūʻai i nā kumukūʻai heʻumi keu e kūʻai ai i kēlā me kēia mahina, e hoʻonohonoho i kahi kiko'ī kūpono , eʻike i kāu moʻokāki i nā manawa he nui no ka mahina, a hoʻohana i nā'ōlelo pūnaewele).
- Nā leka a me nā waihona puke:ʻO kekahi manawa ua paʻaʻoleʻoe e komo a nānā i kāu mau moʻolelo, akā hiki ke kōkua i nā leka uila a me nā leka uila . Eʻike i ka wā i hoʻoiliʻia ai ka hoʻokaʻawaleʻana i kāu moʻokāki, i ka wā i lalo iho kāu pale heluʻai i lalo i kahi kūlana, a i ka manawa e hoʻololi ai kekahi i kāu helu. Hiki iāʻoe ke hoʻouna i ka leka uila wikiwiki a loaʻa ka pane me kāu pale helu pūnaewele -ʻaʻohe mea e pono e komo i kahi polokalamu a iʻole pūnaewele no ka loaʻaʻana o kēlāʻike.
- Loe pūnaewele: LMCU polokalamu kelepona i hāʻawi aku i nā lawelawe e hōʻemi ai i kou ola, e like me ka uku pāʻoihana pūnaewele, ke kākika huli pūnaewele, nā noi hoʻoili, a me nā mea hou aʻe.
ʻO nā'ēhana'ē aʻe he mauʻano likeʻole a me nā koi kūpono. Inā loaʻa i kahi loʻi'āina i kou maka, e noi e pili i nā koho no ke kohoʻana. Pēlā nō, inā makemakeʻoe i kahi kumuhana a iʻole kahi aloha, eʻikeʻoe inā he hoa pili kālā kālepa me nā hui ma ia wahi. ʻO kēlā kahi o nāʻano koʻikoʻi o kahiʻaha kālā-ka pilina paʻa i waena o nā lālā. Hiki iāʻoe ke kōkua i kaʻaha kālā e hoʻomau i ka hāʻawiʻana i nā lawelawe nui, ae kōkuaʻoe i nā mea'ē aʻe e hoʻohālike i nā mea āu e hana nei.