Pehea e hoʻohana ai nā Uniona Kāleka
ʻO nā uniona hōʻoiaʻaʻole nā hui hoʻokō kālā e hāʻawi ana i nā lawelawe kālā i ko lākou mau lālā. Inā ponoʻoe e mālama i ke kālā, hāʻawi i nā bila, aiʻole e hōʻai'ē,ʻo kahiʻaha kālā kahi koho no kēlā mau lawelawe.
Pehea nā Bane a me nā'AkekekeʻIke
Ināʻikeʻoe i nāʻaukā, e like nā loina kālā: Hāʻawi lākou i nā huahana a me nā lawelawe likeʻole me nā'akena, aʻo kaʻike o ka hoʻohanaʻana i ia mau lawelawe heʻano like.
ʻO ka mea kuleana kaʻokoʻa nui ma waena o nā kālā a me nāʻaha kālā. Loaʻa nā lālā i nā uniona (ʻo nā mea kūʻai ma nāʻaha kālā i kapaʻiaʻo "nā lālā," no laila,ʻo ka poʻe i kūʻai aku i kaʻaha'ai'ē). Māheleʻia nā bane e nā mea hoʻolale kālā, aʻaʻole paha lākou he poʻe waihona kālā a me nā poʻe o ke kaiāulu. Ke weheʻoe i kahi moʻokāki ma kahiʻaha kālā -ʻoiai i keʻano o ka mea liʻiliʻi - ua liloʻoe i mea nāna i mālama i kēia kula. Ua kuleana nā lālā a pau e koho balota no nā alakaʻi alakaʻi'ai'ē (ka papa alakaʻi).
ʻO kaʻauhau kekahi mea'ē aʻe. Ma keʻano he huiʻole-uku-kālā,ʻaʻoheʻeha kālā e uku i nāʻauhau likeʻole e ukuʻia e nāʻaʻa. Eia naʻe,ʻaʻole nā kalauna kālā i nā aloha. Pono lākou e hana i nā koho kālā maikaʻi, e hōʻiliʻili i nā kālā, uku uku, a me ka hoʻokūkī me nāʻoihana'ē aʻe.
I ke komoʻana i kahi palekana o kāu mau waihona a me nā lawelawe kūikawā, ua like like nā kāleka a me nāʻaha'ai'ē (e nānā i lalo).
Nā Hōʻikeʻike o nā Uniona Kālā
Hoʻohui nuiʻia nā uniona hōʻailona me ko lākou mau lālā, aʻo kekahi o lākou e kūpaʻa loa i kā lākou mau keʻena.
ʻO nā kumukūʻai a me nā uku (he maikaʻiʻole) i nā kalauna kālā.
No ka mea he mau lālā ia o ia kula, aia ma keʻano he emiʻole ka manaʻo e hoʻomāhuahua i nā waiwai no nā mea kālā'ē aʻe. ʻO kēlā'ōlelo, ua hoʻohanaʻia kekahi loiloi kālā e like me (aʻoi aku kaʻoi aku kaʻoi aku ma mua o) nāʻaukā nui, no laila, pono ke hoʻohālike i mua o ke kohoʻana i kahi keʻena.
ʻO ka'ulāulu ka hana kuʻuna heʻano nui o nā uniona hōʻai'ē. No ka huiʻana i kahiʻahahui loiloi, ponoʻoe e hoʻolālā ma ka hoʻokaʻawaleʻana i kahi pilina paʻa me nā lālā o kaʻahahui'ē aʻe. Eia hou, hoʻolālā kēia i nā loina kūpono a me nā uku hoʻolimalima hoʻolālā no ka mea aia i loko o ka moku hoʻokahi. ʻO nā'ai'ē loea hoʻi he mea nui i nāʻoihana kūloko.
ʻO ka lawelaweʻana i nā lālā iʻoi aku i nā uniona loea. No ka mea, he mau loina kālā nā lālā kaiaulu,ʻaʻole hiki iāʻoe ke loaʻa i kahi lālā a iʻole ka ATM ke heleʻoe a hele paha (ʻoiai inā heleʻoe i ke kūlanakauhale). Eia naʻe, i nā manawa he nui, hiki ke hoʻohana i nā lālā a me nā ATM o nā'ēhana'ē aʻe - no ka mea noa. Hiki iāʻoe ke hana i nā waihona a me nā hoʻokaʻawaleʻana, e uku i nā ukana, a me nā mea hou aʻe. No ka hoʻohanaʻana i ka lālā hookui,ʻo ka home credit union a me ka lālā āu i manaʻo ai e hoʻohana, ponoʻoe e lilo i wahi o ka pūnaewele alala like.
Hiki ke loaʻa nā lawelawe pilikino ma nā uniona loea liʻiliʻi. Inā makemakeʻoe e kūkulu i nā pilina a kamaʻilio pū me nā mea haʻi'ōlelo like a me nā luna loiloi,ʻo kahi'ahameke a iʻole ke kāleka kaiāulu ka wahi kūpono loa eʻike ai i kēlāʻike. Inā loaʻa iāʻoe ka manawa e kamaʻilio aku ai i nā mea hoʻoholo, hiki iāʻoe keʻike e hiki iāʻoe keʻaeʻia no nā loina a me nā lawelawe'ē aʻe eʻole e hāʻawiʻia e nā koʻi nui iāʻoe. ʻAʻole hiki i ka huiʻana o nā uniona kālā - he hiki iā lākou keʻike iāʻoe a hoʻomaopopo i ka hopena o ka hopena ma mua o ka hōʻoleʻana iāʻoe.
He aha kāu e hana ai ma ke kālā kālā?
Hoʻokaʻaʻike nā uniona i nā lawelawe kālā i nā mea kūʻai, nāʻoihana, a me nā hui'ē aʻe. ʻO nā mōhai maʻamau i hōʻikeʻia maʻaneʻi, akā, heʻano likeʻole kēlā me kēiaʻekalesia.
Mālama nā waihona mālama kālā i kahi wahi palekana no ka mālama kālā a loaʻa ka uku ma kāu waihona. Ma kaʻahaʻeha kālā, ua kapaʻia nā inoa mālama kālā i nā hōʻike kālā no ka mea -ʻoʻoe - e like me nā mea'ē aʻe a pau - he mea hoʻoilina o ka loina. ʻO kekahi hoʻoiliʻana mai kahi waihona kālā i hoʻopauʻia iʻeono mau mahina .
ʻO ka nānāʻana i nā kālā e hiki iāʻoe ke hoʻolilo i kāu kālā me kaʻole o nā palena palena o nā palena. Nui nā ala e hiki ai i kāu kālā:
- Kāleka Debit:ʻO ka hapanui o nā uniona kālā e hāʻawi i ka pepa hoʻolimalima liʻiliʻi no ka kūʻaiʻana i ke kelepona a ma ke kino (hiki iāʻoe ke hoʻohana i ka palapala e hoʻokaʻawale i ke kālā ma kahi ATM).
- ʻO ka pāʻoihana hōʻano Bill: E uku i kāu mau bila a me nā uku'ē aʻe paha ma ka hoʻonohonohoʻana i ka uku ma ka pūnaewele . E hoʻopili kaʻeha kālā a me ka leka i kahi leka aiʻole e hoʻouna kālā i nāʻike.
- E kākau i kahi leka: He mau makahikiʻeleʻele paha nā kāleka, akā he mau mea kōkua a maikaʻiʻole paha e uku ai .
- Kālā kālā: E hiki iāʻoe ke loaʻa mau kālā mai ka mea hoʻopuka a iʻole ka ATM a lilo i ka kālā kālā.
ʻO nā palapala hōʻoia o ka waihona (CD) he like ia me nā pūnaewele mālama waiwai nui. Hoʻokaʻawale nā CD ma mua o ka mālamaʻana i nā manawa maʻamau , akā aia kahi iʻa: ponoʻoe e hana i ka waihoʻana i kāu kālā ma ka CD no kahi manawa i'ōleloʻia (i hoʻokahi manawa aʻekolu mau makahiki). Inā makemakeʻoe i ka hoʻololiʻana, hāʻawi kekahi mau pūʻulu kālā kālā kālā , e uku ana i nā uku pānaʻi like a hāʻawi iāʻoe e komo i kāu kālā i loko o ka mahina.
Loaʻa nā haʻawina no nāʻano hoʻohana likeʻole. Hoʻopi kālā nā uniona i nā kālā a nā mea'ē aʻe e hoʻolako ai e hāʻawi kālā no nā mea noi.
- Hiki i nā hoʻoili'āina (nā moraki) ke hāʻawi kālā e kūʻai i kahi home. ʻO nā moemoekiʻelua a me nā loina o ka home (HELOCs) eʻae iāʻoe e hoʻohana i ka pono i kahi waiwai āu i loaʻa .
- ʻO nā loans pūnaewele paha kekahi o nā hōʻai'ē kaulana loa mai nā uniona kālā. ʻO ka wā kūpono ka hoʻokūkū, aʻo nā uniona kālepa e pili i nā pilina me nā mea kūʻai kaʻa kaʻa o ka'āina.
- Hiki ke hoʻohanaʻia nā loans pilikino no nā mea a pau āu e makemake ai . Aʻikeʻia hoʻi he "laikini hōʻailona" ma nāʻaha kālā, ua'āponoʻia kēia mau haʻawina ma muli wale nō o kāu heluʻai a me kāu kālā.
- Ke kāleka nei nā kāleka kāleka i nā laina hōʻai'ē e hiki ai iāʻoe ke noi a uku pinepine - inā lōʻihiʻoleʻoe i kāu palena palena.
Loaʻa nā lawelawe'ē aʻe mai nā uniona kālepa. I ka nui o nā uniona loea, hiki iāʻoe ke loaʻa i kēia mau mea:
- Hoʻoponopono kūlanaʻia e like me nā ukali a kālepa aiʻole nā hōkeo i hōʻoiaʻia. Loaʻa i kahi uku liʻiliʻi, akā ponoʻoe e nele i kēia mau mea no ka uku manawaʻole a iʻole nā mea ola'ē aʻe.
- ʻO nā kauoha kālā e like me nā kāleka o ka cashier , a he mau mea pono paha ināʻaʻole pono ka nānā ponoʻana (akā,ʻaʻoleʻoe e nele i kahi kāleka kāleka).
- ʻO nā pahu pōpilikia palekana kahi wahi palekana e mālama ai i nā palapala nui a me nā mea waiwaiʻuʻuku. Hoʻopiliʻia kāu mau mea ma hope o kekahi mau loka, akā ponoʻoe e lawe i kekahi mea āu e makemake ai i loko o nā hola kālā.
- Hiki ke kōkua nā lawelawe notary i ka wā e pono aiʻoe e hōʻoia e paʻa ana ka inoa ma nā palapala aupuni . Pono kekahi luna hana i hoʻolimalima (pono e lilo i ka notary public) hiki ke kau i kahi leka kaulike ma kāu mau palapala ae kākau i ka manawa a me ka lā o kāu kau inoa.
ʻO nā huahana a me nā lawelawe kūikawā i loaʻa iāʻoe eʻano likeʻole ia mai kahi pilikino i ka loina. ʻO nā hōʻai'ē hoʻonui nui ka hāʻawi nuiʻana i nāʻano likeʻole,ʻoiaiʻaʻole nā kumukūʻai liʻiliʻi e mālama i nā mōhai. Akā, hiki paha iāʻoe ke kānalua -ʻoiaiʻo nā kalauna'ai'ē liʻiliʻi loa e kūkākūkā me nā hui'ē aʻe e hālāwai me kāu mau koi. E kāhea i kahiʻaha'eleka o kāu'āina a nīnau e pili ana i nā lawelawe, nā uku, a me nā kohoʻenehana (e like me nā polokalamu) i ka loiloiʻana i nā mea'ē aʻe.
Ke kūpono: Ke komoʻana i kahi Union Union
No ka liloʻana i lālā o ka'ahailalā, ponoʻoe e "kūpono" aiʻole kūpono e hui pū. He maʻalahi ka maʻalahiʻana, akā, he mea ia e pono ai no ka hoʻolālāʻana o kaʻahahui a me ke kānāwai pekelala.
Hoʻolālāʻia nā uniona unahi e lawelawe i nā kānaka a me nā hui e puʻunaue ana i ka pilina paʻa, aʻo nā kānaka e kū ana i nā pae hoʻohālike i kapaʻiaʻo keʻano o ka lālā. Hiki iāʻoe ke kūpono i nāʻano likeʻole:
- ʻO kāu hana: ʻO kou haku hana e kākoʻo i kaʻaha'ailā a iʻole e pili ana i nā uniona kālepa ma kou wahi, no laila e hiki iāʻoe ke komo i kēlā mau uniona hōʻai'ē. Mākaukau kekahi mauʻoihana iāʻoe e lilo i lālā o kahi loina (no laila,ʻaʻohe mea pilikia o kāu mea hanahana -ʻo kāuʻoihana i loaʻa iāʻoe).
- ʻO kāu wahi:ʻO kekahi mau uniona hōʻai'ē e weheʻia nei i nā mea ola a hana paha i kahi'āina. Eia kekahi laʻana, hiki iāʻoe ke kūpono ma muli o kou nohoʻana ma kekahi kūlanakauhale a kāleka paha. ʻO ka heleʻana i ke kula aiʻole ka hoʻomanaʻana ma kekahi wahi āu e noho nei, hiki i ka hoʻokō.
- Nā lālā o ka hui: Ma keʻano he lālā o kekahi mau hui e hiki iāʻoe ke kūpono i nā uniona kālepa. Kūʻai kekahi mau pūʻulu i ka lehulehu, a hiki iāʻoe ke hui pū me kēlā mau pūʻulu no ka mea e lilo ai i lālā o kaʻaha'ailā. ʻO nā hui'ē aʻe (e like me ka hui o kahi homeowner) ponoʻoe e hālāwai i nā kulekele'ē aʻe.
- ʻO kouʻohana: Inā he lālā lālā ka lālā o kaʻohana o kaʻohana, hiki iāʻoe ke hui pū me ia i hoʻohuiʻia ma muli o ka pono o kāu pilikana.
No ka papa inoa o nā uniona loea ma kou wahi (me ka ho'ākākaʻana i nā pono kūpono), e ho'āʻo eʻimi me kāu zip zip ma CULookup.com.
Pehea e hui ai i kahi Union Union
Ke loaʻaʻoe i kahi keʻena e makemake aiʻoe (a ua kūponoʻoe e hui pū), liloʻoe i lālā i maʻalahi e like me ka weheʻana i kahi pūʻulu. Ua like ka hana me ka weheʻana i kahi helu mālama kālā ma kekahi kāleka a iʻole ka laikini: ponoʻoe e hoʻolako i nāʻike e pili ana iāʻoe iho, e lawe i kaʻike, a me kahi waihona mua (he $ 25 a emiʻole paha). E aʻo hou e pili ana i nā koi e wehe i ka mālama kālā a me ka nānāʻana i nāʻike .
Pono nā mākaʻi hoʻolālā a pau e wehe i kahi māhele'āina (a me ka waihona kālā). Inā nōʻoe e pili wale ana i kaʻaha'ai'ē no ka loaʻaʻana o kahi hōʻai'ē, ponoʻoe e lilo i lālā - e koi ana iāʻoe e loaʻa iāʻoe kahi "māhele" o ka'ekepili. I nā kumu he nui, e waiho waleʻoe i kahiʻelima kālā i loko o kahi pūʻulu hoʻoili no ka hikiʻana iāʻoe no ka hōʻai'ē, a e waiho waleʻoe i kēlā kālā no ka manawa pauʻole.
ʻO kāu kālā mālama ma kahi kālā'ai'ē?
Hoʻohaunaʻia nā'auwaʻa hoʻokaʻawale e like me kāu waihona kāleka. ʻO ka hui e mālama ana i kāu kālā e pili ana i keʻano o ke keʻena e hoʻohana neiʻoe. Hoʻolālā maikaʻi nāʻaha kālā i nāʻahaʻeleʻele e hoʻohana i kaʻAhahuiʻAi Moku'āinaʻAi Moku'āina (NCUSIF) , he kālā i kākoʻoʻia e ke aupuni. Ma ke kāpena, loaʻa mai kaʻimi kālā mai ka Federal Insurance Deposit Insurance Corporation (FDIC) . Ma nā kuhi kālā i hoʻohuiʻia i kālai'āina , he like ka maikaʻi o ke inikua me FDIC inikua - ua kākoʻoʻia e ka hilinaʻi loa a me ka hoʻokele o ke aupuni US. Hoʻopiliʻia nāʻokoʻa kālāʻelua a $ 250,000 no kēlā me kēia kelepona ma kēlā me kēia keʻena (hiki hiki ke hoʻopaʻa i nā $ 250,000 i loko o kahiʻeke kālā ma lalo o kekahi mau kumu).
Ināʻaʻole i hoʻokomoʻia kaʻaha kālā iāʻoe, hiki iāʻoe ke paleʻia ma lalo o kekahi kulekele pilikino pono'ī, a hiki i kāu kālā ke palekana, akā,ʻoi aku ka maikaʻi o kaʻinikua NCUSIF no ka hōʻailona aupuni.
ʻO wai ka mea e holo nei i kahiʻaha kālā?
Inā he'ekepili ka poʻe a pau,ʻo wai ka mea mālama?
ʻO nāʻahaʻaha i loaʻa i keʻano o nā limahana, e like me nā luna hoʻolaha a me nā loea, nāʻoihana hoʻomalu a me nāʻoihana. ʻO ka hoʻonohonohoʻana i kahi papa alakaʻi e hoʻoholo i nā hoʻoholoʻana i nā loina kālā, nā kulekele, a me nā mea'ē aʻe. Ua papaʻia kēia papa no nā mea koho i kohoʻia. ʻAʻole lākou e hana ia no ka uku - he poʻe'ahalā loea e makemake ana e'ōlelo i ka holoʻana o kahi wahi.
E koho nā lālā o ke kuʻikahi i ka papa alakaʻi. Loaʻa i hoʻokahi melota nā lālā a pau, no laila, ua like ka mana o nā mema a pau (ʻo nā lālā iʻoi aku ka nui o nā kālā i loko o kaʻaha'elepionaʻaʻole nui aku nā koho ma mua o ka poʻe i emi iho).
He Pākeʻi'Ake'AkeʻIkeʻAna?
ʻO nā loina liʻiliʻi liʻiliʻi e hāʻawi i nāʻaha nui e holo no kā lākou kālā. No ka hoʻohuiʻana o nā uniona i ka lawelawe ma luna o ka uku waiwai, hiki i ka uku keʻoi aku ma mua o kaʻaha kālā. Ināʻoe he mea maʻamau, hikiʻole iāʻoe keʻike i nā mea kiʻekiʻe i hāʻawiʻia ma nā pūnaewele pūnaewele . Eia naʻe, hiki ke hana maikaʻi kahi pilina lōʻihi me kahi'ahaila maikaʻi, aʻo ka pōmaikaʻi o kahi kiʻekiʻe heʻoi aku ka nui e like me kāu palepalena helu.
Pēlā nō ia e pili ana i nā pilina me nā kāleka maikaʻi o nā kaiāulu
I kekahi manawa eʻikeʻoe i kahi'ahailalā iʻole e hāʻawi aku i ka honua holoʻokoʻa o nā huahana a me nā lawelawe e hāʻawi nuiʻia ana e nā 'āpana nui. Inā makemakeʻoe i kēlā mau lawelawe,ʻoi aku paha kouʻoliʻoli me kahi megabank e hāʻawi aku ana i kahi kūʻai āpau a iʻole kaʻahahui nui aku.
- Eʻike i nā kūkākūkā hou: Nā Waiʻanae vs.'AkekekeʻIke
Ma keʻano o ka nānāʻana i ka nele i nā makana kālā nui, ua loaʻa ka launaʻana o nā uniona loea. Ke hōʻikeʻia nei kaʻahahui o ka Union Union (CUNA) e 76 pakeneka o nā uniona kālepa e hāʻawi mau nei me kaʻaeʻole i nā kaula i hoʻopaʻaʻia. No ka pono, hiki iāʻoe i kekahi manawa ke kūpono no ka nānāʻana ma nā koleke nui, a hiki paha iāʻoe ke hana like i kekahi mau uniona hōʻai'ē.
Ināʻoe e noʻonoʻo ana i ka hoʻololiʻana i kahi loina (aiʻole e neʻeʻana mai ke kāleka i ke kāleka), eʻike pono he mea kūpono ka holoʻana i ka moku . Hiki i ka hōʻailona kālā ke hoʻoulu, a hiki i kāuʻahahui kuhina nei ke hāʻawi i nā hāʻina e hōʻoluʻolu nei iāʻoe ma hea. Ke hiki mai ka manawa e hoʻoneʻe ai, e hoʻohana i ka papa helu hoʻopuka helu e hoʻopaʻa i ka hāʻuleʻole o nā hāwae.