ʻO wai Bank kahi Best?
He aha kāu mea e pono ai i kēia lā? I nā makahiki heʻelima?
He kumu paha kou no ka nānāʻana i nāʻike kālā, a makemakeʻoe e hālāwai i kāu mau pilikia koke.
Eia kekahi laʻana, makemakeʻoe i kahi e kau ai i kāu uku uku , aiʻoleʻoe e manaʻo nei e hoʻohana i kahi pēlā e hoʻonui ana i nā kumukūʻai ma mua o kāu pēke e kū nei. He maikaʻi a maikaʻi, akā e hoʻopuka aʻe a noʻonoʻo e pili ana i ka loli o kāu mau makahiki i ka makahiki e hiki mai ana. E mālama i kēlā mau mea e hiki mai ana i ka wā e like me kou loiloiʻana i nā kāwaha.
Hiki ke loli nā mea, a he paʻakikī i ka wānana mua i ka wā e hiki mai ana, no laila hoʻomaka nā mea nui e nānā i ka nānāʻana a me nā waihona kālā palekana.
ʻO nā uku a me nā uku
E noʻonoʻo i ka uku a me nā uku e like me kāu kūʻaiʻana i kahi pēke: pehea ka nui o kāu e loaʻa ai i nā kālā kūʻai, peheaʻoe e uku ai i nā loina, a me ke kumu āu e uku ai no ka mālamaʻana a me ka hanaʻana?
No ka nānāʻana a me ka mālamaʻana, he mea nui ka uku. ʻO ka pānaʻi pākē iki i nā waihona kālā,ʻaʻole ia e hōʻemi a hōʻaha paha iāʻoe i nā kālā, akā, nā uku mālama mālama kālā a me nā hoʻopaʻi hoʻopaʻi paʻakikī e hiki ai ke hana i kekahi loina koʻikoʻi i kāu moʻokāki.
I ka wā e loaʻa ai ka uku ma ka waihona a me ka palapala hōʻoia o ka waihona (CD) , hiki i kahiʻokoʻa o ka 1% APYʻaʻole paha he mea hoihoi.
Ināʻoe wale nō $ 3,000 i loko o nā waihona kālā, heʻokoʻa ke $ 30 ma ka makahiki ma waena o nā kālepa. Inā kāleka kekahi o ia mauʻaha i $ 10 no ka mahina e mālama i kāu pūkaena,ʻo ka koho kūponoʻo ka heleʻana me kahi o nā pēke e emi iho ka uku.
I ka laweʻana i kālā, ʻaʻoleʻoe e hōʻai'ē mai kou kāleka. Hiki iāʻoe ke loaʻa kahi hōʻai'ē mai kahi loina hōʻailona hou i ka wā e kūʻai aiʻoe i kaʻa, no ka mea (ma ka kūʻaiʻana mai kekahi mea kūʻai aku e hiki iāʻoe ke kūpono e lilo i lālā o kēlā loina.
He nui nā mea hoʻokele pūnaewele maikaʻi ma laila - ua koi pinepine lākou i nā mea liʻiliʻi ma mua o nāʻaha'āina a me nā uniona kālepa. Ināʻoe e noi mai e kūʻai i hale , hiki i kekahi mea kūʻai kālā ke kūʻai aku i waena o nā poʻe loiloi nui iāʻoe - aʻaʻoleʻoe e lilo i mea kūʻai i kēlā me kēia puʻupuʻu.
Nāʻano Banks
Aia kekahi mau "bank" i hiki ke hoʻohana. ʻO ka hapanui o lākou e hāʻawi aku i nā huahana a me nā lawelawe likeʻole (inä paha inā eʻimi wale anaʻoe no ka nānāʻana i nā kope a me nā kope mālama kālā no ka hoʻolimalimaʻana ), akā, aia keʻano'ē.
ʻO nā inoa nui nā inoa āu iʻike ai. Eʻikeʻoe i nā lālā he nui ma nā kihi o nā alanui i nā kūlanakauhale nui, a heluheluʻoe iā lākou i loko o ka nūhou. ʻO kēia mauʻahahui he mauʻoihana aupuni (a he lehulehu).
- Aia nā huahana a me nā lawelawe: kokoke i nā mea a pau āu e noʻonoʻo ai (aʻoi aku)
- ʻO nā koina e kū ma kaʻaoʻao kiʻekiʻe, akā, hiki ke loaʻa nā uku i hoʻokaheʻia (me kahi kiko'ī pololei, no ka hiʻoʻana)
- ʻO nā kumukūʻai no nā waihona a me nā CD he meaʻoi loa ia
- He nui nā lālā Branch a me ATM ināʻoe e noʻonoʻo e pili ana i nāʻauʻa kālā i ke kanaka
Kūleʻa nā hui'āina ma nā wahi'āina honua liʻiliʻi. Kūleʻa lākou i ka loaʻaʻana o kahi o ke kaiaulu kaiāulu, a he mau mea nui ia o kāu hoʻokele waiwai o ka'āina.
- Aia nā huahana a me nā lawelawe: no ka mea e hoʻohana ana i nā mea kūʻai, nā mea a pau āu e makemake ai (ʻoihana nui a me nā mea waiwai nui paha e pono ai ke loaʻa kekahi mau lawelawe mai nā mea'ē aʻe)
- ʻO nā uku e kūpono ana, a me nā uku wai e loaʻa pinepine
- Eʻokoʻa nā kumukūʻai o nā waihona a me nā CD , akā e kiaʻi no nā "hoʻolaha"
- Loaʻa nā lālā a me ka ATM ma ka'āina, akā, hiki iāʻoe ke uku i nā kelepona waho keʻole kaʻaeʻana i kahi kikowaena pūnaewele ATM
ʻO nā uniona hōʻoiaʻaʻole he mau pūʻulu kālā-ukuʻole me ka nānāʻana o kahi kaiaulu . No ka weheʻana i kahi moʻokāki, ponoʻoe e kūpono a hui pū aku me he "lālā," akāʻoi aku ka maʻalahi o kēia māmā ma mua o kou manaʻo .
- Aia nā huahana a me nā lawelawe: no ka mea hoʻohana loa i nā mea kūʻai, nā mea a pau e pono ai (hiki i nā uniona'ai'ē liʻiliʻi ke hāʻawi iki i ka liʻiliʻi, akā hiki iāʻoe ke loaʻa mau i kaʻike a me nā waihona kālā mālama)
- ʻO nā koina e emi ana ka haʻahaʻa, aʻoi aku ka maʻalahi o ka huliʻana i kaʻike
- ʻO nā kumukūʻai ma nā waihona a me nā CD heʻoi aku ka kiʻekiʻe ma mua o nā'ahakuʻa nui, akā ma lalo o nā pūnaewele pūnaewele
- Ua palena nā lālā Branch a me ATM - keʻole kāu pilikino e komo i ka hana likeʻana (ka hapanui o lākou), e hāʻawi ana i nā'āpana he mau miliona o ka'āina āpau
Ua hoʻokumuʻia nā pūnaewele'Āina e like me kahi koho ikaika, a he mea pono ke loaʻa i kahi pūnaewele pūnaewele wale nō ināʻaʻoleʻoe e hoʻohana pinepine ia. ʻO kēlā'ōlelo, hele 100% online me kāu kālā hiki ke hana hoʻopunipuni - nā lawelawe i nā kumu kūpono
- Aia nā huahana a me nā lawelawe: ka leka uila a me nā waihona mālama kālā ka mea nui eʻimiʻia, akā hiki ke loaʻa nā huahana'ē aʻe
- 'Eleʻale ka ukuʻana i nā haʻawina -ʻaʻole loaʻa ka nui o nā pilikino keʻoleʻoe e hōʻailona i nā loiloi a noi paha i kekahi mau hana (e like me ka hoʻoiliʻana i nā leka , no ka mea)
- ʻO nā kumukūʻai ma nā waihona a me nā CD heʻoi aku ka kiʻekiʻe ma mua o kāu e loaʻa ai ma kahi'ē aʻe
- ʻO nā lālā Branch a me ATMʻaʻole i loaʻa, akā i nā pūnaewele pū kekahi e hoʻokomo i nā papahana o nā aupuni āpau a iʻole e uku hou lākou i nā kumukūʻai ATM (hiki i kekahi mau palena)
ʻO nāʻano a pau o nāʻona i hōʻikeʻia ma luna nei, hiki iā lākou ke hāʻawi i nā waihona kiko'ī maʻamau a me nā lawelawe'ē aʻe.
Nāʻenehana a me kaʻike
Ke hoʻohaʻahaʻaʻoe i kāu papa inoa, e nānā i nā mea nui āu e hoʻohana ai i kēlā me kēia lā. ʻAʻole makemakeʻoe e pili ana i kāu pēke i mea hōʻeha.
Kuhi nui: inā loaʻaʻoe i ka uku me ka nānā kino,ʻo kaʻoi aku o ka maʻalahi e waiho ai,ʻo ia ke paʻi i kahi kiʻi me kāu pūnaewele .
Ke hoʻololi neiʻo Bank i nā hoʻoili kālā: e nānā i nāʻeke kūpono e hāʻawi aku i nā hāʻawi loli kūikawā i nāʻeke kālā'ē aʻe. ʻO kēia keʻano kūpono me nā pūnaewele pūnaeweleʻoi aku, akā hiki i nā kāleka brick-mortar ke hana i kēia. ʻO kēia ka maʻalahi o ka mālamaʻana i kāu kālā a hoʻololi i nāʻaukā.
Nā leka uila a me ka leka uila: ua hana mākou a pau, a ua maikaʻi mākou e kiʻi i nā poʻo mai kāu kāleka inā loaʻa kekahi mea ma kāu moʻokāki. Hiki iāʻoe ke makemake i kahi wikiwiki i kāu pane kāleka me kaʻole e komo i kāu pūnaewele. ʻO nā keʻena kūkā me nā koho leka uila a me nā leka uila hiki ke hana maʻalahi i ke kālā.
Nā'auwaʻa ATM: hele i ka lālā i nā lālā o ke kāleka i ka manawa hikiʻole (aiʻole he kūpono). Na ka Waihona ATM e hāʻawi iāʻoe e kālepa ma kāu papahana , a me ka hoʻonui pū i ke kālā i kekahi mau pūnaewele pūnaewele.
Nā hola Bank: inā e hoʻokaeʻoe i ke kanaka, aia nā hola e kūpono no kāu pono? ʻO kekahi mau hōʻai'ē a me nā hōʻai'ē kālā e hāʻawi ana i nā pule pule pule a me nā hola ahiahi (ma ka liʻiliʻi ma ke kaʻaʻana).
ʻO kahi'ōlelo no ka palekana
Pono nāʻauʻa he wahi palekana no kāu kālā. E hōʻoia i ka mālamaʻia o kēlā me kēia kālā āu i hoʻohana ai,ʻo ke koho maikaʻiʻia e ke AupuniʻAmelika:
- E kākoʻoʻia nā Bane e ka'aeke FDIC
- Pono e kākoʻoʻia e nā NCUSIF nā mea i hōʻoia i nā uniona kālepa
Inā nele ka panakō a'alepona paha ,ʻaʻoleʻoe e nele i kekahi kālā i ka manawa e waiho ana kāu mau waihona ma lalo o nā palena palena (inā he $ 250,000 no kēlā me kēia waihona no kēlā me kēia halehana, a ua hiki ke loaʻa i ka $ 250,000 o kāu "kālā i uhiʻia ma kahi pēke) .
Ke weheʻana i nā hōʻike
Inā kohoʻoe i kahi moʻokāki, ua hiki i ka manawa e hele ai i nā puka o ka weheʻana a me ke kālāʻana iā ia. Hiki i kekahi mau keʻena iāʻoe ke hana i nā mea a pau loa ma ke kelepona , a he wikiwiki a maʻalahi ke koho ināʻoe ke akamai. Ināʻaʻole, e hoʻolālā no ka huakaʻiʻana i ka lālā, a lawe mai i kaʻike a me kahi waihona mua (ka waiwai kālā, a iʻole pahaʻoe e kākau i kahi leka a iʻole e hoʻololi i ka hoʻokele lolouila).
Ināʻoe e neʻe ana i kahi pēlā hou, e hoʻohana i kahi papa inoa no kaʻikeʻole i kahi hāʻule i loko o nā papa . ʻAʻoleʻoe makemake e nele i ka ukuʻana a iʻole e uku i nā uku no nā hewa.
Nā Hoʻonui Hou
ʻAʻohe paha he pūnaeke maikaʻi maikaʻi loa ma waho ma laila. Hoʻolako likeʻole nā'aleʻa likeʻole. Hoʻomaopopo nā kāpili pūnaewele i ka hoihoi nui loa i kāu waihona. ʻO nā loina pūnaewele a me nāʻaha'ai'ē he mea nui loa ia no nā loans a me nā ukana kaʻa. He maikaʻi no ka loaʻaʻana o kahi kālā pēlāʻoi aku ma mua o hoʻokahi - he mea naʻauao e loaʻa nā hiʻohiʻona maikaʻi loa i kahi e loaʻa ai iā lākou. Inā lōʻihiʻoleʻoe e uku ana i nā kumukūʻai he nui i nāʻauwai he nui, hiki iāʻoe ke loaʻa i nā kumu kālā e like me kou makemake.