Hoʻoponopono a me ke ho'āʻoʻana i nā Uniona Kālā
- Hoʻolilo nā waihona kālā mālama kālā i ka uku kālā, e like me ka ukupanee mai kahi waihona mālama kālā.
- ʻO kaʻikeʻana i kaʻikeʻana (a iʻole "hōʻailona") he helu waiwai no nā uku a me ka hoʻolimalima kālā.
Hoʻokaʻaʻike i nā waihona hoʻopuka
ʻO kahi kālā mālama kālā he helu moʻokāki i kaʻaha'ai'ē. ʻO kēia mau kālā e uku paneʻe i kāu hoʻolakoʻana, e hoʻolako ana i kahi wahi palekana e mālama aiʻoe i ke kālā.
ʻO ka weheʻana i kahi moʻokāki pūnaewele e hoʻopaʻa ana i kou lālā (a iʻole ka mana) i loko o kaʻaha'elepili, a eʻoluʻolu iāʻoe e hoʻohana i nā huahana'ē aʻe e like me nā loans, nānā kālā, a me nā mea hou aku.
Ināʻikeʻoe i nāʻike mālama kālā ma nāʻaukā, uaʻikeʻoe i nā kumu o kahi pūnaewele mālama kālā. Heʻokoʻa nā hua'ōlelo no ka mālamaʻana o ka helu i kahiʻaha kālā , akāʻo keʻano e hoʻohana aiʻoe i ka pūʻulu he like.
Loaʻa waiwai nui:ʻO nā uniona hōʻai'ē e uku panee i kāu mau waihona i loko o kahi kālā mālama kālā. Loaʻa i nā kumukūʻai ka nui (a me ka hewa o kaʻaha kālā e makemake ai e hoʻokū'ē no ke kālā), he kiʻekiʻe a heʻuʻuku paha ka uku āu i loaʻa ai. Akā, nā kōkua liʻiliʻi a pau. Inā makemakeʻoe e loaʻa ka mea hou, a makemakeʻoe e noho me nā kapu, ponoʻoe e nīnau inā ua hāʻawi kaʻaha kālā i nā palapala hoʻokae o ka waihona (CD) a iʻole nā kālā kālepa kālā e uku hou aku.
Loaʻa i nā kālā: E hiki iāʻoe ke hoʻokaʻawale i nā kālā mai kāu waihona mālama kālā i kēlā me kēia manawa āu e makemake ai, akā, aia nā kapu ma kekahiʻano o ka weheʻana.
Inā hoʻohanaʻoe i kahi ATM, e kipa aku i kaʻaha'ai'ē ma ke kanaka (me nā lālā kūkā ), a iʻole e leka uila iāʻoe, hiki iāʻoe ke hoʻokuʻu i nā manawa a pau e like me kou makemake. Eia naʻe,ʻaʻole kahi waihona waihona mālama kālā no nā kālā o kēlā me kēia lā. ʻO ke kānāwai Pekelala (D (D) hoʻopau i kekahi hoʻoiliʻana mai kahi waihona kālā iʻeono ma ka mahina, e like me:
- ʻIkeʻoe i kāu kākauʻana ma ka moʻowāki (akā,ʻaʻole i loaʻa nā hōʻai'ē e ukuʻia iāʻoe mai kaʻaha'ai'ē)
- Ka hoʻolimalimaʻiaʻana me kahi kāleka kaʻawale
- ʻO ka pāʻoihana Bill me ka uku ACH
- Ke hoʻoiliʻana i kāu helu kākike
No ka paleʻana i nā pilikia a me ka hilahilaʻole,ʻaʻole nā kālā i mālama i nā kālepa kālā . He maikaʻi ka hapanui o nā kānaka me nā hoʻoiliʻeono i kēlā me kēia mahina - e neʻe wale i kahi kālā kūpono i kāu waihona helu me ka hoʻolimalimaʻana mai laila mai.
ʻOiaiʻo ka hoʻoiliʻana mai kahi pūnaewele e kauʻia,ʻaʻohe palena i ka helu o nā waiho āu e hana ai i loko o ka helu i kēlā me kēia mahina.
He wahi palekana: ʻO kāu kālā mālama (a nānāʻana paha) kahi wahi palekana e mālama ai i ke kālā. Ma kahi o ka mālama kālā i ka home a iʻole e halihali ana iā ia, e pili ana ia me kaʻahahui. E hoʻopaʻa iāʻoe e hōʻoiaʻiʻo i kāu mau waihona a aiaʻoe ma lalo o ka palena palena palena.
Kālepa Hoʻolaha: E hoʻohanaʻia nā kālā ma kāuʻike waihona waihona i kekahi manawa i mea e pale ai no kahi hōʻai'ē . Na kēia papahana e kōkua iāʻoe e kūkulu i ka hōʻai'ē (inā paha no ka manawa mua, aiʻole e kūkulu hou ana paha ma hope o kekahi mau pilikia). E noi e pili ana i ke kālā i loaʻa nā loans inā makemakeʻoe e noi i kāu waihona.
Hoʻokaʻawale Draft = Ke nānā
ʻO kahi hoʻokaʻawale pūnaewele kahi waihona kālā i loko o kahiʻaha'ai'ē e'āpono ai iāʻoe e hana pinepine i nā weheʻana a me nā uku.
Ināʻikeʻoe i ka nānāʻana i nā mo'ke kālā , hoʻokaʻawale like i nā kiko'ī hoʻopuka. Eia hou,ʻo ka mea like wale nō,ʻo kahi helu "māhele" ma kahi'ahapila ma kahi o ka pēlā.
Loaʻa i nā kālā: Me kahi māhele hoʻokaʻawale,ʻaʻohe ka palena i ka manawa pinepine e hoʻohana aiʻoe i ka helu (inā paha heʻoihana ke hana i nā pā kālā he nui i kēlā me kēia mahina). He wahi maikaʻi kēia mau helu i kāu kālā e hoʻohana nei. Inā kākauʻoe i kahi kope, kūʻai i kekahi mea me ka pepa kāleka , hoʻokaʻawale i ke kālā mai kahi ATM, aiʻole e uku i nā bila ma ke kelepona (inā pahaʻoe e huki i nā kālā a i hoʻonohonoho pahaʻoe i ka uku me kāu kāleka), e hoʻohanaʻoe i kahi kiko'ī kiko'ī a iʻole kahi helu kākike.
Me kahi waihona waihona, aia nā palena i ka manawa pinepine e hiki ai iāʻoe ke hoʻomaopopo i kekahiʻano o ka unuhiʻana mai kāu moʻokāki: Ke hāʻawi waleʻia neiʻoe iʻeono "mau kiko" no kēlā me kēia malama e pili ana i ka Rula D (ʻoiaiʻo kekahi mau hoʻomehanaʻana, e like me ka hoʻokaʻawale kālā mai kahi ATM, palenaʻole).
ʻO ka hua'ōlelo "hoʻopiʻi" he kua'āina kahiko e pili ana i nā māka i kākauʻia e pili ana i nā kālā i ka'auke, akā hiki iāʻoe ke noʻonoʻo i ke kālā e waiho ana i ka'ake a me kaʻaha'ai'ē.
Loaʻa waiwai nui:ʻO ka hapa nui o ka hōʻai'ēʻaʻole e uku i ka uku. Eia naʻe,ʻo kekahi o nā uniona uniona e hāʻawi nei i ka nānā pono , e hiki ai iāʻoe ke loaʻa
Nāʻokoʻa'ē aʻe o nā Buke Helu
Aia kekahi mau hua'ōlelo'ē aʻe e makemake pahaʻoe eʻike i ka hoʻohanaʻana i kahi loina.
Hiki i nā palapala hoʻokaʻawale (CD) ke loaʻa nā inoa likeʻole. Ma kaʻaha kālā, eʻimi i nā "palapala hoʻoili" inā makemakeʻoe e pale i kāu mau uku.
ʻO ka hoʻomahaʻana i nā moʻolelo e pili pinepine ana i nā'eneke, akā,ʻo nā meaʻano likeʻole me ka "IRA" e kōkua iāʻoe eʻike i keʻano o kāu pūnaewele.
Nā kuleana
ʻAʻoleʻokoʻa nā ununke kālā i nāʻaina no ka meaʻo ia ka mea nona ka hale. Ma keʻano he mea nānaʻoe, loaʻa iāʻoe kahi'ōlelo e pili ana i ka holoʻana o kaʻaha kālā, a hiki iāʻoe ke koho i nā hihia likeʻole a me ka Luna Hoʻonaʻauao. ʻO ka mea maʻamau,ʻaʻole ia he mea inā he nui aʻoiʻole paha kāu kālā ma mua o nā mea'ē aʻe i kāu moʻokāki - ua mālama likeʻia kēlā me kēia mema a loaʻa i hoʻokahi koho.
Ma waho o nāʻano likeʻole (a me ka'ōlelo), he hapa iki loa ma waena o nā pūʻulu a me nā uniona kālepa mai ka manaʻo o ka mea kūʻai. Hāʻawi lākou i kaʻoihana aʻoiʻole paha i nā lawelawe likeʻole , aʻo kāu kālā e like me ka palekana i loko o kahiʻaha'eleka iʻikeʻia e like me lākou i loko o kahi pūnaeke FDIC-insured . Hoʻomaluʻia nā hūnā a hiki i $ 250,000 ma ka waihona no kēlā me kēia halehana, a hiki i ka loaʻaʻana o $ 250,000 i hoʻopaʻaʻia i loko o kahi loina. Eia naʻe,ʻaʻole nāʻaha i hoʻolimalimaʻia i kuhiʻia.
ʻAʻole Pono i kahi Pūnaewele Pūnaewele
Mai kānalua i kahi pūʻulu hoʻoili pū me kahi pūnaeke likeʻole (e hoʻokaʻawaleʻoe me kekahi mea'ē aʻe). ʻO ka hua'ōlelo "hoʻohele" pili i kāu kuleana o ka nohoʻana i loko o kaʻeke kālā. ʻOiai hiki iāʻoe ke loaʻa kahi pūnaewele mālama kālā, e puʻunaue i kaʻike pūnaewele i nā helu pilikino (a me nāʻano kālā'ē aʻe ).