FDIC Iniua, Hoʻoponopono Kuleana a me nā Haʻawina

ʻO ka hoʻoponopono hou houʻana o ka FDIC Insurance Coverage no nā Trust

Me ka pohō o nā pohō kālā i hala koke nei, ua nui ka haʻalulu e pili ana i ka nui o ka hoʻopiʻi mālama i hāʻawiʻia i nā'auke kālā i hoʻopaʻaʻia ma nā bank FDIC-insured. Hoʻohui pūʻia me kēia mau rula kulekele e pili ana i nāʻike kālā a me nā waiwai waiwai. I ka paneʻana, i ka lā 26 o Sepatemaba, 2008, ua hāʻawi ka FDIC Board of Directors i kekahi kūlana hou wāwae e pili ana i ka palapala i hāʻawiʻia i nā " Trust Accounts Trust ." Me kēia kulekele hou e hiki mai ana ka hoʻonui mau loa o FSSIC kaomi ma ka $ 100,000 a $ 250,000 no ka waihona, ma kahi hale waihona hale kūʻai no kēlā me kēia kāhua kuleana waiwai i hoʻokomoʻia i loko o ka Wall Street Reform and Consumer Protection Act ua hoʻokomoʻia i kānāwai e Pelekikena Obama ma ka lā 21 Iulai, 2010.

Ka weheweheʻana o FDIC o "Pūkoe Kū'ē Kū'ē"

ʻO ka ho'ākākaʻana o FDIC i ka "Pūʻulu Moʻolelo Loʻe"ʻo ia nā pūnaewele hilinaʻi kūikawā, me ka uku pūʻana i ka make, a me nā helu POD, i loko o ka trust-for, a me nā pūnaewele ITF, a me nā waihonaʻo Totten Trust, a me nā palapala hoʻolālā kūpono i paʻaʻia e ka mea mālama. He Kūlana Ola Kūlohelohe.

Ka Hōʻuluʻulu o ke Kumukānāwai Kūikawā E hoʻoponopono ana i ka FDIC Insurance a me nā Pūʻulu Manaʻo Kū'ē

ʻO ka mana kahiko e hoʻomalu ana i nā Pūʻulu Kū'ē Kū'ē Kūpono i hāʻawiʻia no kēia mau mea:

1. Ua hoʻopaʻaʻia nā hōkeo a hiki i $ 100,000 no "nā mea i loaʻa i ka pono" i kohoʻia e ka mea nona ka pūʻali.
2. ʻO ka loaʻaʻana o nā mea kōkua i ka heluʻiaʻo ka wahine a ka mea nāna i mālama i ka moʻopuna, nā keiki, nā moʻopuna, nā mākua, a me nā kaikaina.
3. Ua loaʻa i nā mea kūʻai kālā he nui i ke kikowaena likeʻole no kēlā me kēia mea nona ka uku, no ka mea i loaʻa ka mea e pono ai.
4. "Loaʻa i ka mea e pono ai ka pono" ua loaʻa nā hoʻolaha i nā hōʻike hōʻai'ē hōʻano'ē aʻe mai ka palapala i hāʻawiʻia me ka piliʻana i nā kālā'ē aʻe i mālamaʻia i loko o nā mana o nā mana'ē aʻe (e like me nā inoa a me nā inoa pūnaewele) ma ka bank bank FDIC.

1. Ua uhiʻia kahi helu wale nō inā e hoʻokōʻia iʻekolu mau koi: (1) Title i komo i ka hua'ōlelo POD, a me ka ITF, a iʻole ka hōʻailonaʻoiaʻiʻo paha, aiʻole kahi'ōlelo like paha e hōʻike ana i ka manaʻo e hiki i ka waihona kālā ke hāʻawi i ka waiwai kūpono ma hope o ka makeʻana o ka mea nāna; (2)ʻO kēlā me kēia mea e loaʻa ana he "mea e loaʻa ai ka pono" e like me ia i ho'ākākaʻia ma luna nei; a, (3) No nā hōʻike POD, pono e helu ponoʻia nā mea e pono ai i loko o nā moʻolelo moʻokāki, akā,ʻaʻole pono e heluʻia nā mea e pono ai o ka Revocable Living Trust.

1. I ka hoʻoholoʻana i ka hōʻailona, ​​pono e hoʻomaopopo i ka uku waiwai maikaʻi o kēlā me kēia o nā mea i loaʻa i ka Trust Revocable, e lilo i mea hōʻai'ē, kahi ola, aiʻole he likeʻole a me ke kūlikeʻole o ka hale noho kaʻawale.
2. ʻO nā kālā a pau i mālamaʻia e ka mea mālama i nā Palapala Hoʻoilina Pekelalaʻo Revocable Living Trust a me nā inoa POD e helu ana i nā mea kōkua likeʻole i hōʻuluʻuluʻia no nā kumu FDIC a hoʻopaʻaʻia i nā palena palena kūpono.

Ka Hōʻuluʻulu o ke Kumukānāwai Hou e Hoʻomalu ana i ka FDIC Insurance a me nā Pūʻulu Manaʻo Kū'ē

Ua loaʻa i ka FDIC nā pahuhopu e pili ana i ka hoʻolahaʻana i ke kaʻina manawa hou:

1. No ka hoʻohaʻahaʻa i ke kānāwai i maʻalahi ka poʻe maʻalahi a me nā mea hoʻohana e hoʻomaopopo a pili.
2. No ka hōʻokiʻana i ka koi e loaʻa i ka mea i loaʻa ka "pono ​​e loaʻa ai".
3. No ka hōʻokiʻana i ka koi e nānā i ka pono pono o nā mea kōkua i ka Trust Defender no nā kālā i hōʻaia he $ 500,000 a iʻole ka liʻiliʻi.
4. E hoʻolālā i nā palena kūpono ma ke kāpili no nā kālā hoʻokele iʻoi aku ka nui o nā mea kōkua aʻoi aku i ka $ 500,000.

ʻO ka hopena, ua mālamaʻia ka mana hou o nā mana o ka mana kahiko i hōʻikeʻia ma luna nei me nā manaʻo nuiʻekolu:

1. ʻAʻole pono ka poʻe aloha e "lilo i poʻe kōkua." Ma ka hakahaka,ʻo kēlā me kēia mea i loaʻa i ka inoaʻo ka Trust Reliable Trust,ʻoiai he mea kūpono ke kanaka maoli, a iʻole he aloha a iʻole kekahi hui kālāʻole.

1. No nā kālā me ka hōʻaia kaulike o $ 500,000 a iʻole ka emi, ua hoʻoholo 'ia ka hoʻopiʻi me ka nele i ka pono eʻike i nā kuleana waiwai o kēlā me kēia mea i ka Trust Revocable (e pili ana i nā kuleana ola i hāʻawiʻia he $ 250,000 o ke kikowaena).
2. Ua palenaʻo Coverage no nā Kū'ē Hoʻopiʻi iʻoi aku ka nui o nā mea kōkua a me nā kālā e paʻa ana ma mua o $ 1,000,000.

Pehea ka nui o ka FDIC Insurance Coverage E loaʻa i nā Waihona Kālā Kālā?

Ināʻoe he Lunamaka'āinana Lunamakaainana no kahi waiwai waiwai, a laila,ʻo kāu mea mālama pono ka hoʻomaopopoʻana i ka piliʻana o nā FDIC i nā waiwai waiwai i hoʻopaʻaʻia ma nā bank FDIC-insured. ʻOiaiʻoe e noʻonoʻo ana, e like me kahi kālā kāleka hilinaʻi kālā, e hoʻokomoʻia kahi waihona kālā waiwai ma kekahi mea e pono ai,ʻaʻole kēia ka hihia. Ma kahi wale nō, waiho waleʻia nā waihona kāleka hale kūʻai i kahi nui o ka palena o $ 250,000.

No laila, ināʻaʻole e pani kokeʻia ka waiwai i ka manawa a me ke kālā iʻoi aku i ka $ 250,000, a laila e noʻonoʻoʻoe i ka hoʻonuiʻana i ke kālā ma waena o nāʻokoʻa likeʻole a iʻole e hoʻohana i ka polokalamu CDARS no ka mālama ponoʻana i nā kālā o ka waiwai.

Me ka hoʻohanaʻana i ka FDICʻo "Edie the Estimate" e hoʻoholo ai i kou Coverage

ʻOiaiʻo ka hana hou o ka wā hou e hoʻonui ai i ka heluʻana o ke kikowaena no nā Pūʻulu Manaʻo Kū'ē i nā manaʻo he nui, eʻike ana i nā mea a pau e hiki ke hōʻoia. No ke kōkuaʻana i nā mea kūʻai e hoʻoholo i kā lākou kākoʻo, aia kahi pūnaewele FDIC i kapaʻiaʻo "Edie the Estimator" ka mea e helu ai i ke kapi o kāu e loaʻa ai ma nāʻike a me ka waiwai pilikino i mālamaʻia i nā pūnaewele FDIC.