Eia ke kumu no kāu mea e pono ai i kahi moʻokāki maʻamau
Nā pōmaikaʻi o nā waihona hoʻoponopono
ʻO ka hōʻaihoʻi kālā kahi paha o nā pūʻulu kālā āu i loaʻa.
Malia paha ma mua o kahi kaomi kāki. ʻO ia kekahi o nā hōʻike maʻalahi aʻoi pololei i hiki iāʻoe ke hoʻohana. ʻO kahi waihona helu mālama kālā e hiki ai iāʻoe ke mālama kālā me ka maluhia me kahi'ake i hoʻohuiʻia aiʻole kaʻaha'ai'ē me kahi $ 25 e wehe ai.
ʻOiai ka emi ikiʻana o ke kālā mai kahi waihona waihona me ka waihona heluʻai, he waiwai waiwai ia e pili ana iāʻoe i kahi kokokeʻole i ke komo. Akā,ʻo ka hiʻohiʻonaʻano nui o kahi helu mālama kālā,ʻo ia ka hiki iāʻoe ke loaʻa ka uku. ʻOiai ka emiʻana o ka hoʻihoʻiʻana, heʻoi aku ka nui o ka loaʻaʻana o kāu kālā ma kāu helu kekapila a uaʻoi aku ka maʻalahi o ka loaʻa ma mua o ka hoʻokomoʻiaʻana i kekahi kaʻa'ē aʻe e like me kahi palapala hōʻailona (CD) a iʻole nā mea pale'ē aʻe e like me nā waihona.
Eia hou,ʻo nā waihona waihona kālā he mea hōʻoia kekahi o nā wahi palekana e mālama i ke kālā,ʻo ia hoʻi he $ 250,000 no kēlā me kēia helu o ke kāleka i hoʻopaʻaʻiaʻo FDIC. Akā, no keʻano o ka palekana loa o ka palekana, ke hāʻawi neiʻoe i kekahi manawa kūpono no ka waiwai waiwai nui a loaʻa i ka hapa liʻiliʻi o ka huina kālā i kāu mau waihona waihona.
Nui nā kumukūʻai e hāʻawi ana i nā kumukūʻai hoʻopiʻi kūpono kiʻekiʻe e loaʻa pinepine ana i nā kaʻina hoʻolimalima hoʻokūkū. Loaʻa ka nui o nā uku pānaʻi ma lalo o kaʻanuʻu kaulike e makemake anaʻoe e hoʻohālike i ka hale kūʻai e huli i ka helu kūpono no kāu mau pahuhopu.
Ināʻoe eʻimi ana i nā waihona kālā mālama kālā e kōkua iāʻoe e hōʻea i kāu mau kumuhana kālā kūpilikia e hiki iāʻoe ke loaʻa nā manaʻo hoʻohālikelike o kekahi o nā moʻomehana kaulana ma o nā palapala i paʻiʻia ma lalo nei:
- Nāʻoihana hoʻolimalima hōʻemi mālama kālā
- Online Banking 101
- Nā Pūnaewele Kālepa a me nā'Aihui
- Kahi e wehe ai i kahi Pūnaewele Kuhi Pūnaewele
- ʻO Bankrate
- NāʻIkeʻIkeʻIke (nāʻike noiʻi a me nā kāleka'ai'ē)
Nā Papa Hōʻoia no nā Pū'ē Kū'ē
ʻO ka mālamaʻana i nā waihona kālā e mālama i ka mea nui ma nāʻano a pau o kou ola, no ka mea, he mea nui loa ka palekana, hikiʻole ke loaʻa kālā i hoʻokaʻawaleʻia no nā pilikia . ʻO ka hapanui o nā hoʻolālā kālā e'ōlelo e mālama i nā uku he 3 a 6 mau o nā lilo ola maʻamau i loko o kahi waihona mai kāuʻikeʻana i nā lā a pau. Eia nō naʻe, hiki i kāuʻoluʻolu o ka mālamaʻana no ka hoʻopakele ulia pōpilikia ke kahea aku no kahi kālā hōʻai'ē eʻoi aku ma mua o kēia kapikalapoe ballpark. Hiki i kekahi pilikia ke loaʻa i kekahi o nā kumu he nui e like me ke pohōʻana o ka hana, ka pilikia kaʻa (e uku i ka mea unuhi), ka hoʻopuka pili pono (kahi e hiki ke unuhi hou), aiʻole ka home hana i manaʻoʻoleʻia. Inā makemakeʻoe i ke kālā wikiwiki,ʻaʻoleʻoe makemake e hoʻokau i ka uku ma kahi kāleka kāleka. ʻAʻoleʻoe makemake makemake e kūʻai aku i kahi waiwai aiʻole kekahi waiwai kūpono e hiki mai ai me ke kālā kūpono. Ma hope o nā mea a pau, makemakeʻoleʻoe e kūʻai i ka hoʻopiliʻia i ka lā i kūʻai aku aiʻoe.
Malia pahaʻo ka hapa nui loa o ka waihoʻana i kahi pūʻulu mālama kālā ma mua o ka haʻaleleʻana,ʻo ka loaʻaʻana o kahi kālā hōʻai'ē ma kahi waihona mālama kālā e hiki ai iāʻoe ke mālama i kekahi kālā'ē aʻe no ka hoʻomahaʻana ma kāuʻoihanaʻoihana ma mua o kāu hana.
A laila, i ka wā i hoʻomaha aiʻoe, nā kālā mālama kālā eʻae iāʻoe e hiamoe maikaʻi i ka pō eʻikeʻoe ua mākaukauʻoe no ka mea i manaʻoʻoleʻia.
Nāʻano o ka hoʻoponopono helu
I kēia lā, nui nāʻano kālā mālama kālā i hāʻawiʻia ma nāʻaha kālā. Hiki iāʻoe ke loaʻa ka waihona kālā i hoʻohuiʻia i kāu pūkekeke helu aiʻole e hiki paha iāʻoe ke mālama pū me ka'ake e hoʻohana nei ma ka pūnaewele wale nō. Paipai mākou e nānā i kāu mau koho e koho i kahi mea maikaʻi loa iāʻoe. He mea nui aku iāʻoe e mālamaʻia kāu pūnaewele mālama a mālama pūʻana ma ke kāʻei hoʻokahi no keʻaeʻana e hoʻololi i nā meaʻole a me nā hoʻololi koke? A eʻoluʻolu pahaʻoe e hāʻawi aku i ke kāleka pōhakuʻala a me ka moleka no kahi koho pūnaewele e hāʻawi ana i ka uku kūpono kiʻekiʻe? ʻO kāu koho ka mea āu.