ʻAʻole iʻike ka poʻe he nui kaʻoi aku o ka lanakila o kahiʻeke kālā ma luna o nāʻeke. ʻAʻole he mea maʻamau ka loheʻana i nā hoʻopiʻi e pili ana i nā uku lawelawe, nā uku ukupanee a me nā mea'ē aʻe i hanaʻia e nā kālā. E hoʻomanaʻoʻoeʻaʻoleʻoe e paʻa i kāu kāleka . ʻO nāʻeke kālā i loaʻa i nā poʻe e hoʻopiʻi pū ana, akā pinepine ka hoʻopiʻiʻana o nā hoʻopiʻi. Ke hāʻule nei ia i kaʻoiaʻiʻo o kaʻoihanaʻoihana'ē aʻe e ukaliʻia ana e nā unions. ʻO kēia ka mea iʻoi aku kaʻoi aku kaʻoi aku kaʻoi aku o kā lākouʻoihanaʻoi aku ma mua o kahi pēke.
01 Hoʻopuka Kālā Pānaʻi Hoʻonohonoho i nā mea kūʻai
ʻO ia paha keʻano o nā loina e pili ana i ka pilikino inā he kuhihewa a iʻole e loaʻa i ka moʻolelo kuhi maikaʻiʻole. Eia hou, eʻike pahaʻoe uaʻoi aku ka makemake o nāʻelele e hana pū meʻoe ināʻikeʻoe iāʻoe iho i kahi pilikia.
02 Uku Kuhi
Hoʻolahalaha kekahi o nāʻaupuni wahi i ke kālā. ʻO nā uku i pili i kahiʻaha i hoʻolālāʻia e emi iho i mua o kahi o kahi panakū. Ua emi nā kuhiʻana, aʻaʻole loa he kumukūlā ATM i ukuʻia e kaʻaha kālā. ʻOi aku ka maikaʻi o nā kulekeleʻoihana , no ka mea,ʻo ka nui o nā uku kālā e lilo i mea hana nui no nāʻaukā. ʻO ka haʻawina haʻahaʻa e hiki iāʻoe ke mālama i ke kālā ma ke kālekaʻana i kahiʻaha kālā. ʻO nā uniona hōʻailona e kōkua iāʻoe e hōʻole i ka nui o nā ukali kālā.
Hiki i nā uku ke hoʻokomo i nā uku lawelawe o ka mahina a iʻole nā hōʻai'ē hoʻoili kālā. Pono e heluhelu pono i nā kulekele a me nā alakaʻi no nā uku'ē aʻe e hiki ai iāʻoe ke hoʻopau.
03 Nā Kuleana maikaʻi
Hoʻokaʻaʻike nā uniona hōʻai'ē i nā uku uku uku a me nā uku ukupaneʻe i nā loina. No ka meaʻaʻole lākou i kaupaʻi i ka loaʻaʻana o kahi kālā, akā, makemake wale lākou e uhi i ka uku hoʻolimalima hana e hāʻawi i nā kumukuai hoihoi i ka poʻe kūʻai. Hiki ke lilo i ka uku no ka hōʻai'ē, a ua hiki iāʻoe ke hoʻolālā hou aku inā loaʻa kāu hōʻai'ē kūpono. ʻO nā kumukūʻai hoʻolimalima ma nā waihona waihona kālā uaʻoi aku ka kiʻekiʻe ma mua o ka nui o nā'elā kūloko, akāʻaʻole paha iʻoi aku ka kiʻekiʻe o nā pūnaewele pūnaewele.
ʻOiaiʻaʻole e kau kaʻaha kālā i ka hoʻouluʻana i nā waiwai, akā e lawelawe ana i ka mea kūʻai, eʻoi aku ka maikaʻi ke kau i nā uku. ʻO keʻano o ka lawelawe maikaʻiʻana o nā lālā. Hiki paha iāʻoe ke mālama i ka nui nui o kāu loan me kāu moraki.
04 Ke makemake nei e hana meʻoe
Hiki paha i kahi'e'ē ke makemake nui e hana pū meʻoe inā loaʻa iāʻoe ka hōʻai'ē maikaʻi a iʻole nele paha i ka hōʻai'ē. E hui kūpono nā luna o ka hōʻai'ē meʻoe e hana i ka loaʻaʻana i kahi kālā kālā e hoʻohanaʻia noʻoe. Inā makemakeʻoe i ka loaʻaʻana o ka moraki, akā ua loaʻa ka moʻolelo hōʻailona maikaʻiʻole, a lailaʻo kaʻaha'eleka kahi kohoʻoi loa e hoʻohana aiʻoe. Hiki iā lākou ke hāʻawi i nā papahana e kōkua iāʻoe e mālama i kāu kālā aʻae paha iāʻoe e uhi i nā lilo i manaʻoʻoleʻia.
Ināʻoe he hōʻai'ē maikaʻi, e mālama ponoʻoe e komo i loko a noi no ka hōʻai'ē ma ke kino. ʻO kekahi hoʻokele kālā he noi pūnaewele, akā ināʻoe e hoʻopili i ke kino, loaʻa iāʻoe ka manawa e wehewehe ai i nā kūlana e pilikia ai iāʻoe.
05 Eʻae ana i ka hoʻohui
Loaʻa i nā uniona hōʻike i nā lula e pili ana i ka mea e hui pū me lākou. E noho nei paha kēia mau rula ma kekahi māhele'āina kūʻokoʻa, e hana ana i kahi mea hana a iʻole e hele i ke kula. ʻO kou manawa e hui ai me kaʻaha'elepili hiki iāʻoe ke noho he lālā no ke ola,ʻoiai inā e ho'ōkiʻoe i ka hālāwaiʻana i nā makemake o ka lālā mua. Hiki paha iā lākou ke koi e loaʻa iāʻoe kahi mālama kālā a iʻole ka pūkekekekekekekekekeke pūnaewele e waiho mau ana i mea e mālama ai i kou mau lālā. I ka manawa e loaʻa ai iāʻoe kēlā pūʻulu, hiki iāʻoe ke hōʻai'ē i ke kālā, e wehe i kahi helu hōʻailona aiʻole e lawe i kahiʻeke kālā.
Loaʻa paha i kekahi noiʻi, akā,ʻo ka loaʻaʻana o kahi'ahameke e hiki iāʻoe ke hoʻohana, he waiwai ia e pono ai. Nui nā poʻe loea e hāʻawi iā lākou. Ināʻaʻoleʻoe e hana no ka mea nui hana, ponoʻoe e nānā i ka'āina e huli i kahi.
06 Kālāʻo Union Union
ʻAʻole nā liona kālā i ka FDIC , ma kahi o lākou ka National Credit Union Association. Hana kēia hana e like me ka FDIC no nā'eiona kālā. E loaʻa iāʻoe ka nui o nā kālā i hoʻopaʻaʻia e like me kou makemake inā ua weheʻoe i kāu pūʻulu me kahi'auke. ʻO kēia keʻano ināʻaʻole iʻole kaʻaha kālā i loaʻa, e loaʻa iāʻoe kahi hōʻoia kālā no $ 250,000. Ponoʻoe e hōʻoia i kāuʻaha i hoʻonālā i ka hui, no laila i loaʻa iāʻoe ke kālā.
07 Nanea o ka Union Union
ʻO kahi mea nui wale o kaʻaha'ai'ēʻo ia keʻano liʻiliʻi,ʻo ia hoʻi he mea paʻakikī paha kāu e huli ai i kahi lālā a iʻole he ATM i ka wā e puka aiʻoe a ma waho paha. ʻO nā loiloi'ē he nuiʻaʻole e kāpili i nā lilo o ka ATM, akā, ponoʻoe e uku i nā uku i kākoʻo ponoʻia e nā ATM. Inā hele nuiʻoe a inā hoʻohanaʻoe i nā ATM i nā manawa a pau, a laila,ʻaʻole hiki ke hāʻawiʻia kaʻaha kālā i kahi koho maikaʻi loa iāʻoe. ʻO kekahi kohoʻana,ʻo ia ke hana i ka hapanui o kāu pūnaeke ma o kaʻaha'elepili a loaʻa iāʻoe ka waihona heluʻai lua e hoʻohana i nā lilo i kou wā e hele ai.