ʻAʻole i Hoʻolālāʻia nā Buke Helu Kākau Hoʻokahi
ʻO ka maʻalahi ia e maʻa mau ai ka hoʻokuʻu i nā kālā mālama kālā. He kuhihewa ka hanaʻana pēlā. Ponoʻoe e like me ka noi e loaʻa kahi huahana e kūlike i kou makemake e like me kāu e hana ai i ka hoʻokomoʻana i kahi hōʻai'ē a koho paha i kekahi mea kūʻai kālā .
Eia nā meaʻelima āu e makemake ai e noʻonoʻo i ka wā e wehe aiʻoe i kahi waihona kālā noʻoe aiʻole kekahi mea'ōpio'ōpio. Ma kahi liʻiliʻi loa, e waiho i kahi ma hope o kou manaʻo a nānā i kouʻano iho ma kēlā manawa kēia manawa.
1. Pono kahi kālā mālama kālā iʻole he mau uku kūpono paha
ʻO ke kumu o kahi waihona mālama kālā,ʻo ia ka mālamaʻana i kāu kālā i hoʻokuʻu maluʻia a hiki i kou wā e pono ai. ʻO ke koho kūpono loa ia no kāu kālā kālāʻeono mahina . ʻO ka mea pōʻino, e ho'āʻo ana kekahi mau'ake e mālama i kēia mau'ōlelo maʻalahi e like me nāʻaina puaʻa, e hoʻoweliweli ana i ka poʻe kūʻai aku no nā uku mālama, uku hoʻolimalima, nā uku hana, nā hana hanaʻole, nā uku mahina, nā uku hoʻolimalima hōʻiliʻili, a me nā mea'ē aʻe kahi hapa o kāu kālā mai oʻoe.
Mai hōʻole. He nui nā bank i waho e hauʻoli ana i ka liloʻana iāʻoe i mea kūʻai. ʻAʻole lākou e hōʻino iāʻoe. ʻAʻole lākou e nickel a hoʻokuʻu iāʻoe. E noʻonoʻo i ka hoʻoiliʻana i kāu mau helu mālama kālā i kekahi o kēia mau keʻena. Keʻole kahi kumu ikaika no ka waihoʻana i kahi pēke kālā kiʻekiʻe - e like me lākou e hoʻolako ana i kāuʻoihana me kahi pōʻai hoʻolimalima maikaʻi loa - e hele wale aku.
2. Pono kahi hoʻopuka mālama ponoʻole e hoʻoholo i nā palena
ʻO kekahi mau kāpena e like me ka hoʻopiliʻana i nā waihona mālama kālā, e like me ka ho'ēmiʻana i ka hoʻokaʻaʻana i ka manawaʻehā hapahā a iʻole kekahi helu like. Ma ka pololei, loaʻa kahi kumu no kēia - ināʻoe e komo i kāu kālā i pinepine, pono paha e loaʻa iāʻoe kahi pūkaʻina hōʻailona. Akā,ʻo kāu kālā. ʻO kahi kāleka e pani nei i nā mea likeʻole, e hūnā paha i nā wahi i kēlā me kēia wahi e nānā pono. Aia kahiʻoihana mālama kālā ma waho ma laila.
3. Pono e mālamaʻia kekahi pūnaewele hoʻoponopono maikaʻi e ke Kumukānāwai
Kuhi a hiki i ka 2008-2013, hiki i ka maʻalahi ke hoʻopoina i nāʻaina e hana, i kaʻoiaʻiʻo, ua nele. A i ka wā e pau ai, hiki ke hanaʻino i nā mea kūʻai e pili ana i kahi kūlana. ʻAʻohe kumu kūpono e waiho ai i kāu kālā i kahi pēke, aiʻole e wehe i kahi waihona kālā me kahi keʻena,ʻaʻole i loaʻa kahi pale pale pale . No ka hapanui o nā makahiki he hala i hala iho nei,ʻo nā pēlā e like me US Bancorp, Wells Fargo & Company, Northern Trust, a me BNY Mellon ua hoʻokiʻekiʻe nui loa i nā koina nui 1,ʻo ia ke kumu nui o ka ikaika ma kaʻoihana mālama kālā. Ma ke kūpono,ʻaʻole wau e wehe i kahi waihona kālā me kekahi kāleka i loaʻa ka lakeli Tier 1 ma lalo o 10%.
4.ʻAʻole pono kahi waihona hoʻoponopono mālama ponoʻole i loaʻa i kahi kaulike i loko o ka waiwai o ka FDIC Limitū
Aia kekahi mau ala e hiki ai iāʻoe ke kāpae i nā pale waiwai nui mai ka loaʻaʻana o ke kālā i loko o kahi kāleka e hāʻule. (E nānā i ka mea he Bank Bank no kaʻike hou aku.)ʻO ka maʻalahi o ka loaʻaʻana o ka kālā i loaʻa iāʻoe ma kahi keʻena i hoʻopiha pihaʻia e nā palena palena pili FDIC . I kēia manawa, hana ia i kahi $ 250,000 ma ke kula, akā, aia kekahi mau ala e hiki ai iāʻoe ke hoʻopuni i kēlā mea ma ka heluʻana i kāu mau waiwai me kekahi poʻe pono. Ma waho aʻe o ka nui o kēiaʻatikala e kūkākūkāʻia ai akā aia naʻe i ka FDIC kekahi puke maikaʻi i loaʻa ma ka pūnaewele.
5.ʻO kahi pūnaewele hōʻoia pono e hāʻawi iāʻoe e koho i kahi kālā i hoʻokaʻawaleʻia
No kekahi hapalua o nā mea kūʻai kelepona, aia kahi hōʻailona'ē aʻe o kahi pūnaewele mālama waiwai aʻo ia ka hiki ke koho i kahi kālā kumu'ē aʻe ma mua o ka kālāʻAmelika Huipūʻia.
ʻO kekahi o nā alakaʻi ma kēia māheleʻo EverBank. ʻO ia ka mea e hiki ai iāʻoe ke mālama a loaʻa ka uku i ka ukuʻAmelika, nā Brazilian maoli, nā pauna Pelekānia, ka Canadian Canadian, ka renminbi Chinese, ka koruna Czech, ka Danish krone, ka Euro, ka Hong Kong, ka Hungarian forint, ka rīwī Indian, ka Japanese yen, Nūhou New Zealand, Norwegian krone, Polish zloty, Singapore dollar, Hikina South Africa, Swedish krona, a Swiss Swiss.ʻAʻole lākou e palena i kā lākou kālepa i nā waihona waihona kālā,ʻo. Hiki iāʻoe ke koho i kahi palapala hōʻailona a iʻole kekahi mea hana kālā'ē aʻe i kekahi o kēlā mau kālā, a loaʻa iā FDIC i ka manawa. Hiki iāʻoe ke kūʻai i nā kālepa haole . E waiho pū lākou iā lākou i kahi IRA no kāu helu hoʻopaneʻe inā e manaʻoʻoe he mea maʻalahi.