5 Mau mea hikiʻole i kāu'IkeponaʻIkeʻIli ke hāʻawi
Eia naʻe,ʻaʻole pahaʻoe e makemake e pani i ka lālā ( a iʻole ka lālā) lālā. ʻOiai lākou i ka wā kahiko, hāʻawi lākou i nā lawelawe kūpono āu i nele wale nō inā hikiʻole iāʻoe ke loaʻa.
ʻO ka manaʻo anei kēia e pani i kāu pūnaewele-wale nō nā pilikino? Aʻole iki. Ināʻaʻole āu waihona mālama pūnaewele (me ka'ōleloʻole i ka nānāʻana) ua neleʻoe .
Nā Kōkeke Kuhi a Kāne Kāleka a me nā Kauoha Kānāwai
Pono e kūʻai i kahi kūʻai, akā,ʻaʻole kāleka kahi kāleka (aiʻole ka helu pilikino) wale nō? No kekahi mau hana - like me ka kūʻaiʻana o ka home a me kekahiʻano o ka waihoʻana - ponoʻoe i nā kālā "wehe". ʻO ka mea maʻamau, ponoʻoe e lawe mai i kahi kope o ka cashier , kālā kālā , aiʻole e hāʻawi i ke kālā kālā i ka mea āu e uku nei.
Hiki i nā pūnaewele pūnaewele ke hāʻawi aku i nā loea a ka mea'ai'ē - akā,ʻaʻoleʻoe e loaʻa i ka lawelawe lā hoʻokahi. Ponoʻoe e hoʻonohonoho i ke kikowaena ma ka pūnaewele a laila e kali i kekahi mau lā no ka mēle (aiʻole e uku i kahi uku kūpono no ka lawelaweʻana i ka pō).
Ma kekahi mau mea,ʻaʻoleʻoe eʻike pono i ka nui o ka helu o ka huli a hiki i kahi lā aʻelua paha ma mua o kāu hana. He mea maikaʻi e hiki ke hoʻololi i ka loliʻana i nā mea me ka hoʻopaʻaʻoleʻana i kāu kālā (ua ho'āʻo aneiʻoe e hōʻolo i kahi heluʻai kālā ma o ka leka uila ?).
Ināʻoe eʻimi i ka hoʻolimalima i kēlā hale kūpono a ma ka hoʻolālāʻana paha i nā minuke ma hope o ka kūʻaiʻana i ke kūʻai home, he pono pono ke komo koke.
Ka Waihona Kū'ē Loa me ka Hoʻokuʻuʻana
ʻAʻole pahaʻoe makemake i ka nui o ke kālā - akā ināʻoe e hana, maikaʻi nō e loaʻa ka koho. Inā makemakeʻoe e kūʻai i kahi kaʻa i hoʻohanaʻia ma ka leka pōkole.
ʻAʻole hiki ke maʻalahi ka loaʻaʻana o nā mea a pau e pono aiʻoe mai ka ATM. Aia kekahi mau ala e loaʻa ai ka nui o ke kālā mai nā pūnaeke kālā pūnaewele, akā he hanaʻuʻuku kēia.
Inā loaʻa iāʻoe kahi pūnaewele me kahi kāpili brick-a-mortar a iʻole kaʻahahui kālā, e maʻalahi ka kālā i ka hoʻopihaʻana i kahi paleʻana i ka lālā. Ma keʻano he bonus, hiki iāʻoe ke hoʻihoʻi i kāu kālā i loko o kāu moʻokūkii me ka wikiwiki - no lailaʻaʻole ponoʻoe e mālama i nā kāpena o ke kālā ma mua o ka mea e pono ai.
Nā Paike Deposit Box
Loaʻa i nā kumukūʻai liʻiliʻi aʻaʻohe wahi maikaʻi e mālama ai iā lākou? Ke hopohopo e pili ana i ka hopena o kāu mau pūnaewele inā loaʻa kou hale i ke ahi?
ʻO kahi pahu hūnā mālama kahi kahi nui e mālama ai i nā palapala koʻikoʻi a me nā mea waiwaiʻuʻuku . Ma kahi o ka hoʻoikaikaʻana i ka huila a me ka hoʻouluʻana i kahi kūlana o nā mea i loaʻa i ke ahi (kahi ahi, hoʻokuʻu, hōʻemi) i loko o kou hale, e mālama ka poʻe akamai iā ia. E mālamaʻo Banks i kāu mau ukana ma kahi liʻiliʻi loa, a ponoʻoe e hele i ka lālā i nā manawa kūʻai kālā e lawe mai i kāu mau mea.
He nui nā palapala e hiki iāʻoe ke loaʻa, akā makemakeʻoleʻia : nā palapala hōʻo hānau, nā Kāleka Haulekana, nā kope aiʻole nā huahana o kekahi mauʻaelike, aʻoi aku. Inā he mea pilikia e kali ana i ka hopena, no ke aha lāʻoe e waihoʻole ai i kahi hale e hiki ai ke hana maikaʻi i ka mālama ponoʻana iā lākou?
ʻO ka hoʻihoʻi waleʻia o nā pahu hānai palekana e hiki iāʻoe ke makemake i kekahi mea i ka pauʻana o ke kāleka. No ka hōʻaloʻana i nā pilikia, mai hoʻokomo i kekahi mea i laila e hiki ai iāʻoe ma kahi pōkole pōkole, e like me nā passport a me nā'ōlelo lapaʻau.
ʻO kahi wahi no kāu mau'āpana
He aha kāu e hana ai i kēlā me kēia mau'āpana e hoʻopau i kāu pahu kukini? ʻO nā kālā he kālā, no laila, pono ia e hoʻokomo iā lākou i kahiʻano maʻalahi e hoʻohana ai - ināʻoe e hoʻolilo i ke kālā a hoʻohana paha no ka mālama kālā.
Ināʻoe wale nō nā pūnaewele kāleka pūnaewele, e hikiʻole ke hoʻouna i kāu kālā (aʻaʻole paha iʻaeʻia). Hiki iāʻoe ke uku ke heluʻia ma kahi mīkini i ka hale kūʻai, akā, nui nā kāleka a me nā uniona kālepa eʻae i nā waihona kālā me ka laweʻoleʻana i ka pipi o kāu waihona. Hiki iā lākou ke hoʻokomo iāʻoe e lawe mai i loko o kahi bakeke a hana i nā mea a pau a me ka heluʻana iāʻoe.
Nā lawelawe notary
Pono eʻikeʻia kekahi mauʻaha. ʻO ia hoʻi, pono kaʻike Notary Public e hōʻoia i kouʻike aʻikeʻoe e hōʻailona i ka palapala. ʻO ia ka mea e hōʻoia aiʻoʻoe maoli nō ka mea i kaulima i ka palapala, a ua hanaʻoluʻoluʻoe (i waena o nā mea'ē aʻe).
Ma ka ho'ākākaʻana, hikiʻole i kahi pūnaewele pūnaewele ke hāʻawi aku i kēiaʻoihana i loko o ke kanaka. Akā, he nui nā hōkeo a me nā hōʻai'ē e hana - pinepine no ke kuokoa (ma kahi paha hoʻokahi aʻelua paha mau inoa),ʻaʻoleʻoe e uku, akā, e ukuʻoe i ka uku inā loaʻa iāʻoe ka waihona o nā pepa).
E like me ka nui o nā lawelawe ma nā lālā brick-mortar,ʻo ka laweʻana i ka memo iʻikeʻoleʻia,ʻaʻole ia he mea e pono aiʻoe i kēlā lā i kēia lā. Akā, he mea koʻikoʻi ia mau manawa i ka wā e pono aiʻoe. Eia kekahi, hiki iāʻoe keʻimi i kahi Public Notary (kahi pūnaewele) paha e mālama i nā inoa inoa hoʻokahi.
Kū'ē i ka hālāwai kūkā
Noho mākou i kahi honua pilikino, a ua nui nāʻoihana iʻoi aku ma ka pūnaewele. ʻO ka heleʻana e mālama i kahi hana maʻamau i loko o ke kanaka he mea koʻikoʻi a he pinepine ka pilikia nui.
ʻO kēlā'ōlelo, aia kekahi mau manawa i ka manawa maikaʻi e noho i lalo me keʻano he maka. ʻAʻole i maʻalahi kaʻike ma ke kelepona a me ka pūnaewele, a i kekahi manawaʻoi aku ka maikaʻi (a me ka wikiwiki) e kamaʻilio a kuhikuhi i nā mea ma mua o ka peniʻana i nā nīnau a me nā pane.