Nā Kuleana a me ka Cons of Convenience
He aha ka hōʻailona e hoʻoili ai i kahi kālā?
ʻO kahi kope e ukuʻia no ke kālā, aia ka hua'ōlelo "Cash" ma ka laina kahi e kākau mau aiʻoe i ka inoa o kou payee . No ka mea,ʻaʻole i ukuʻia ka haki i kahi kanaka a iʻole hui paha, hiki i kekahi mea e loaʻa ana ke kope ke hōʻai'ē a hoʻopaʻa paha i ka helu.
ʻO ka hapa nui o nā loea i ukuʻia i kekahi. ʻO ka māhele o ka papa hana o ke kākauʻana i ka helu helu he mea e loaʻa ai ke kālā. Mālama ka papa hana i ka mea palekana ma mua o ka kālā no ka meaʻo ka inoa wale nō i kohoʻia e waiho a mālama i ka leka (ʻoiai e hiki ke kākauʻia i kahi'ē aʻe, e kūkākūkāʻia ma lalo nei). ʻO ke kope e ukuʻia i ka "mea lawe" keʻano like:ʻo kekahi e halihali ana (aiʻole "lawe") hiki i ka palapala ke kāpae.
No ke kākauʻana i kēiaʻano leka, e kākau i ka "Cash" ma kahi o ka inoaʻana i kahi payee.
Like Like Cash
ʻO kahi kope e ukuʻia i ke kālā (ʻoi aʻe aiʻoleʻole) e like me ke kālā - hiki i kekahi ke hoʻohana i kēia. Inā lilo ka peke, na ka mea loaʻa iā ia e hiki ke hōʻai'ē a waiho paha i ka hale keʻoleʻoe e uku i ka uku ma kaʻike mua. Pēlā nō, hiki i ka mea hāʻawi ke hāʻawi i ka helu i kekahi mea'ē aʻe.
No ke aha e kākau ai i kahiʻike i kahi kālā?
Payeeʻikeʻoleʻia:ʻo ka kākauʻana i kahi kope e ukuʻia i ke kālā he mea maʻalahi kēia ināʻaʻoleʻoe iʻike i ka mea e hana i kahi leka e ukuʻia. Eia kekahi laʻana, hiki paha iāʻoe ke kākau i kahi leka no kekahi kālā akāʻaʻole maopopoʻoe i ka inoa pololei o ka payee .
Hiki iāʻoe ke kākau i ka leka, hoʻolei i loko o kāuʻeke, a waiho i kāu keʻekeʻa ma ka home.
Ke uku iāʻoe iho: hiki iāʻoe ke hoʻohana i ka "kālā" inā makemakeʻoe e kākau i kahi leka iāʻoe iho a loaʻa ke kālā. Akā,ʻoi aku paha ka maʻalahi o ka hoʻokuʻu kālāʻana mai kahi ATM ( ʻaʻoleʻoe e hoʻohana i kahi leka, aʻaʻoleʻoe e kali i ka mea hōʻailona).
No ke aha e ukuʻole ai i ka uku kālā?
ʻO kaʻoihana pōkole:ʻo nā kānana e ukuʻia i ke kālā, he meaʻino wale nō ia no ka meaʻaʻole āu mana e nānā i ka mea nāna e waiho a holoi paha i ka helu. Inā ua nalo aʻaihueʻia paha, e mālama anaʻoe a me kāu kāleka i ka maka no kahi hana kolohe. Inā hikiʻole iāʻoe ke hopu i ka manawa, ponoʻoe e hoʻoili i nā kānāwai i kū'ē i ka mea nāna e waiho i ka helu no ka hoʻihoʻiʻana i kāu kālā. No ka mea inā e hoʻouna anaʻoe i kahi leka ma o ka leka uila (aiʻole e loaʻa ana kāu mau pepa kāleka a me ka leka uila ma ka uku uku pūnaewele ), loaʻa kahi manawa kūpono no nāʻaihue.
ʻO nā'auwaʻa hōʻalo: ʻaʻole makemake kekahi mau'ake i nā kaukini e ukuʻia i ke kālā,ʻo ia kekahi kumu e pale ai i ka hoʻohanaʻana. Hiki i nā 'Banks ke hōʻole e hōʻole iā lākou i kahi a lōʻihi paha e hoʻopaʻa ai i nā kālā . Hiki paha i nā 'aha kīʻale ke hōʻole e hāʻawi i kahi kope e ukuʻia i ke kālā. Eia kekahi laʻana, ināʻoe e kūʻai nei i kahi kaʻa i hoʻohanaʻia mai kahi mea kūʻaiʻole iʻikeʻia,ʻaʻole makemake nā kāleka e hāʻawi iāʻoe i ka helu kākike keʻoleʻoe i kahi inoa kūikawā no ka payee.
Kaʻili pepa: kahi leka me kahi payee e maʻa mau ai ka mālama i nā moʻolelo a me ka hanaʻana i nā palapala. Akā, hiki i ka inoa o ka payee i kāu kākauʻana ke maʻalahi. ʻAʻoleʻoe e pono e hōʻike i ka inoa o kekahi a iʻoleʻoe e noʻonoʻo i ka mea i loaʻa i kāu kālā.
Nā mea maikaʻi maikaʻi? Ma kahi o ke kākauʻana i kahi leka i hiki i kekahi ke kālā, e waiho wale i ka laina payee blank. Ke hoʻomaopopoʻoe i ka hoʻopihapihaʻana i ke ala, e hiki iāʻoe ke hoʻopiha i ka payee. ʻO kahi kānke iʻikeʻia i ke kālā he pili pono ia e like me ke kaʻina me ka inoa o ka payee blank - ma ke ala paha, hikiʻole ke mālamaʻia e kekahi (akā ,ʻaʻole loa ia kāu kākau lima inā eʻaihue kekahi i ka helu a hoʻopaʻaʻia i ka inoa). ʻO kekahiʻano'ē aʻe,ʻo ka nānāʻana iāʻoe iho a kau i ka leka i ka mea āu e makemake ai ināʻoe eʻike ai i ka mea āu e kamaʻilio nei. Eʻoi aku keʻano o ka hana ma kahi hiʻohiʻona palekana, akā,ʻaʻole makemake kekahi mauʻaha i nā kauka i kauʻia ma luna (ʻo ia hoʻi he mea ponoʻoe e hoʻomaka ma luna).
Ke waiho nei i kahi hōʻailona i hanaʻia i ke kālā
Inā loaʻa iāʻoe kahi leka e ukuʻia i ke kālā, hoʻopukaʻia e like me kāu e nānā hou ai.
Eʻaeʻoe ma ke kauʻana i ke kua me kāu helu helu , a hāʻawi i kāu kāleka. Inā makemakeʻoe e hoʻokaʻawale i ka helu (ma kahi o ka waihoʻana i kāu moʻokāki) hiki iāʻoe ke hele i ke kāleka e kauʻia ke kālā. E nānā i ka inoa o ka'ake ma ka heluʻai a laila e loaʻa i kahi lālā kokoke loa.
E hoʻomanaʻo i nāʻaina e hōʻole i kēia mau hōkeo aiʻole e koi i nā manawa hou. Inā hiki, noi mai i nā kānana i loaʻa iāʻoe me kou inoa a iʻole kou inoaʻoihana. E hoʻolako i nā leka uila i ka mea nāna e kākau iāʻoe i nā leka iʻole e ho'āʻoʻia e lawe i nā pōkole.