He Hoʻomaka i ka Family Limited Partnership
Kūleʻa i nāʻohana a me nā mea hoʻolalekana hoʻolako i kēia pilikia ma o ka hoʻokumuʻana i kahi mea i kapaʻia he pilina pili i kaʻohana. ʻO ia ka mea i hiki ai i nā lālā o kouʻohana e hōʻemi i kā lākou kālā a hana i kekahi papahana, e like me ke kūkuluʻana i nā hale kūlanakauhale, kahi mea hikiʻole i nā lālā a pau no ka nele i ke kālā a iʻole kaʻike. Ua hoʻomaka akuʻo Warren Buffett i kēia manawa ma ka hoʻolimalima kālāʻana iʻehiku mauʻohana o kaʻohana a iʻole nā hoaaloha pili loa. Pēlā nō, ua hanaʻo Sam Walton i kekahi mea like i ka wā i hoʻokumuʻia aiʻo Walton Enterprises, LLC,ʻo ia ka kaʻa e loaʻa ai i kāna mau keiki a me nāʻohana o ka Wal-Mart Stores, Inc., a me nāʻoihana'ē aʻe. ʻOiai he nui nuiʻo Wal-Mart i kēia mau lā, he wahi kūʻaiʻuʻuku lima ia i ka manawa i hoʻokumuʻia ai ka hale.
Nā hoahana nui a me nā hoa hana paʻa
Loaʻa ka pilinaʻohana i nāʻanoʻelua o nā hoa - nā hoa nui a me nā hoa pili.
- Hoa Pūʻulu Nui : Hoʻokahi inoa a keu paha o kaʻohana i kapa inoaʻia he mau hoa hana nui. E loaʻa iā lākou ka palena palenaʻole, e like me ka mea kuleana hoʻokahi, no laila, inā pau ka papahana,ʻo kā lākou waiwai pono'ī he pāʻani maikaʻi no nā mea'ai'ē. E ukuʻia ka hoa pili like e like me ka hana hana hana. Hiki i kekahi mau hoa hana nui keʻoki i nā waiwai, aʻo ka loaʻaʻana o kekahi i ka uku makahiki. ʻO ka hoa hana nui ke kuleana o ia lā no ka mālamaʻana i ka pilinaʻohana, e like me ka hoʻoholoʻana a me ka hoʻoponoponoʻana i nā hoʻopiʻiʻana, ka waihoʻana a me ka hoʻokuʻuʻana i ke kālā, a pēlā aku.
- Nā Hoa Hana Limited :ʻO nā hoa pili i pili i kaʻohana e hāʻawi i ke kālā no ka hoʻokomoʻana i loko o kahi papahana akāʻaʻole kuleana kuleana. Kūleʻa lākou a koho i kaʻaelike pili ,ʻo ia nā rula e pili ana i ka pilina paʻa o kaʻohana, aʻohi i nā uku , uku , a me nā waiwai. Ma keʻano laulā,ʻaʻole hiki ke nalowale nā hoa liʻiliʻi ma mua o kā lākou hoʻokomoʻana i ka pilikino (aia kekahi mau manaʻo, no laila he mea nui e kūkākūkā i nā manaʻo me kekahi loio kūpono me kaʻike ma kēia wahi o ke kānāwai). ʻAʻole hiki i nā hoa liʻiliʻi ke'ōlelo i nā hoʻoholoʻana o ka hoʻoponopono o kēlā me kēia lā aʻaʻole hiki ke komo i kekahi hanaʻoihana, aiʻole, e hikiʻole paha iā lākou ke lilo i ko lākou kuleana pilikino i palekana.
He Hōʻailona o ka Hoʻohuiʻana o kahi Mahele Pākahi Loa
Makemakeʻo Robbie e kūkulu i kekahi lālani o nā hale kauhale ma uka o Midwest. Makemakeʻo ia e uku ka pāhana i $ 1,200,000 a me kahi kālā e pono ai kāna kālā hana a hāʻawi i $ 200,000 i ke kālā i kēlā me kēia makahiki ma mua o ka uku ma ka hōʻai'ē a me kaʻauhau. No ka mālama ponoʻana i ka papahana, makemakeʻo ia i ka ukuʻana o 50%, e pono ai $ 600,000.
ʻO ka mea pōʻino,ʻaʻoleʻo Robbie i kēlāʻano kālā e loaʻa ana, akā,ʻaʻole i ka wai kālā !
Kāheaʻo ia i kona mau kaikunāne, kaikuaʻana, mākua, a me nā kūpuna o lākou, a ua hoʻoholo lākou e hoʻokumu i ka pilinaʻohana. Kū lākou ma ka papahana penei:
- ʻO ka paʻaʻana o ka pilina e hāʻawi aku i 6,000 mau hui likeʻole ("mau") ma $ 100 no kēlā me kēia no 6,000 mau'āpana a me $ 600,000 ma ke kālā hoʻomaka. ʻAʻole hiki ke kūʻaiʻia aku kēia mau LP no nā makahiki heʻelima a hiki i ka huiʻana e uku i ka 70% o ka uku kālā ma keʻano o ka māhele.
- E kūʻaiʻo Robbie i 600 mau o kēia mau kālā ma ka hāʻawiʻana i $ 60,000 i kaʻohana pili i ka pilina (600 mau wānana $ 100 o kēlā me kēia = $ 60,000). Hāʻawi kēia iā ia i ka 10% o ka mana o ka papahana e pili ana i kāna kumukūʻai. E kapaʻiaʻo ia he hoa launa nui, a me ka mea e pili ana i kona kuleana, e loaʻa iā ia ka 5% mua o nā uku kālā ma mua o ke kaʻina hana no ka mālamaʻana i nā hana o kēlā me kēia lā.
- ʻO kekahi poʻe o kaʻohana o Robbie e kūʻai i nāʻupena pāʻoihana i koe he 5,400. No ka loaʻaʻana o 6,000 mau mahele, he 1 / 6,000 ka mana ma ka pilinaʻohana i paʻa.
I kēia manawa,ʻo Robbbie ka mana pili i ka pilinaʻohana e $ 600,000. Heleʻo ia i kahiʻaha kūpana'āina a loaʻa iā ia kahi hōʻai'ē moraki mua no ka $ 600,000 i koe, hāʻawi iā ia $ 1,200,000. Hana ka pilina hale i nā hale kauhale, hoʻolimalima iā lākou i ka poʻe hoaaina, a hoʻomaka i ka loaʻa kālā loaʻa. I kēlā me kēia makahiki, i ukuʻia ka moraki a me nā māhele i hoʻoheleʻia i nā hoa, e ulu ana kaʻohana. Me ka liʻiliʻiʻoleʻana i kā lākou kālā ma o ka pilina paʻaʻana o kaʻohana,ʻaʻole e hiki i kēia hoʻokele kālā!
He Mau Malama Loaʻa Loaʻaʻole ia no ka Makua.
Ma kaʻoiaʻiʻo,ʻaʻohe mea'ē aʻe akā he loio kūpono a lunaʻauhau kālā paha ke kōkua iāʻoe e pane i kēia nīnau . Aia kekahi mau manaʻo e makemakeʻoe e hoʻoholo i kāu hoʻoholo:
- Pehea kou hilinaʻiʻana i ka hui nui? E hoʻomanaʻo i kēia mea e loaʻaʻole kahi alaʻole i nā hōke kālā a me nā waiwai waiwai. Inā he mau nīnau kāu e pili ana i ko lākou kūpaʻaʻana, ua kauoha ka naʻauao iāʻoe e pale i ka hoʻokele. I ka manawa pinepine, maikaʻi ka hoʻokele maikaʻi i ka hoʻokaʻawaleʻana ma waena o nā pohō kālā a me nā loaʻa nui.
- E kaomi ana i kāu kālā eʻaeʻoe e hana i nā papahana iʻole e hiki ke hanaʻia a inā pēlā, ke hāʻawi nei kēia mau papahana i ka uku o ka hoʻihoʻiʻana ma luna o kaʻawelike?
- E hōʻalo i kāu kālā ke kōkua iāʻoe e hōʻole i ka "hoʻolōlā" a hiki i kahi lōʻihiʻole a me ka laweʻana i nā pilikia nui a lilo i kālā kālā pōʻino?
- E hoʻokuʻuʻia paha ka pilina ma keʻano pilina kūpono hoʻokahi a iʻole e like me ke kaʻa e hoʻomohala ai e hoʻomau ana i ka hana a loaʻaʻole paha nā waiwai?
- ʻO ka papahana kahi i kūkulu ai ka pilina liʻiliʻi i ka nui e hiki ai ke hōʻoiaʻiʻo i ka lilo o ka loio e nānā i nā kānāwai palekana a hōʻoiaʻaʻoleʻoe e uha i nā rula? ʻO ka hāʻawiʻana i nā palena hui likeʻole e like me ka hoʻokuʻuʻana i nā waiwai ma nāʻano he nui a pili i nā kānāwai a me nā rula.