Hiki iāʻoe ke makemake e uku me kāu kāleka kāleka, akā nui nā poʻeʻoihanaʻoihana e makemakeʻoleʻoe. Inā ua paʻakikī loaʻoe i ka hanaʻana i ka plastic, hiki paha iāʻoe ke noʻonoʻo no ke aha i kūʻaiʻole ai kekahi mau hale kūʻai a me nā haleʻainaʻai i nā kāleka kāleka (a iʻole nā kālepa hoʻolālā). ʻO ka hua'ōlelo weliweli "hoʻopōʻino,ʻaʻole mākou eʻae i nā kāleka" a iʻole kahi hōʻailona "CASH ONLY" i hōʻikeʻia e pili ana kekahi mau mea pilikia i ka mea hana.
Hiki iāʻoe ke hoʻolapalapa i kēlā mau manaʻo i lalo i ka uku, kaʻoiaʻiʻo, a me ka maʻalahi.
Ka uku
No kaʻaeʻana i nā kāleka,ʻoihana ka pāʻani i ka hapene o kēlā me kēia maʻamau, a hiki paha iā lākou ke uku i nā uku ākea āpau no ka mālamaʻana i kahi kālepa kālepa. No kaʻoihana kāleka kāleka,ʻoi aku ka uku i nā manawa he 2% a 3% o kāu kūʻai (aʻo kekahi mau kāleka iʻoi aku kaʻoi aʻe kaʻoi aʻe ma mua o nā mea'ē aʻe). ʻAʻole paha heʻano likeʻole ia, akāʻo kekahi mauʻoihana e hoʻonui i ka uku, aʻo ia mau uku eʻai ai i nā palena kīnā.
Kū'ē nā mea kūʻai i nā waiwai liʻiliʻi a iʻole e hāʻawi ana i ka kumukūʻai i ka poʻe kūʻai, aʻaʻole nui ka poʻe e hana.
ʻAʻole iʻoi aku ka maikaʻi o ka uku kāleka pili kālā ma mua o nā kāleka kāleka, akā,ʻaʻoleʻike kekahi mau meaʻoihana, aiʻole lākou e hoʻolei i ka pēpē me ka wai paʻakai a koi aku i nā mea a pau e uku me ke kālā a nānā paha. ʻO nā mea kūʻai'ē aʻe e lawe i nā kāleka akā e hōʻemi i kaʻino mai nā koina uku: e kūʻai ana i nā mea liʻiliʻi ma ke kāleka kāleka e kūʻai a hōʻai'ē paha i nā mea kūʻai no ka hoʻohanaʻana i nā kāleka kāleka (ʻaʻole lākou e kau i nā palena liʻiliʻi a iʻole nā uku e uku ai no ka kāleka kāleka kūʻai , akā, ua pōʻino).
No ke aha e maʻalahi nā kāleka kāleka? E hāʻawi aku nā kāleka kāleka i nā pono he nuiʻole i loaʻa iāʻoe me nā kāleka debit (kāleka me nā uku, e like me ke kālā ukali a me nā kāleka hele, he mea waiwai nui paha). ʻO nā mau kōkua i loaʻa wale i kekahi poʻe kāleka kāleka, akā, uku ka mea hale kūʻai no kēlā mau pono (aiʻole nā mea'ē aʻe a pau e uku i nā pono ma ka ukuʻana i nā kumukūʻai kiʻekiʻe).
Hiki iāʻoe ke hoʻopaʻapaʻa i nāʻauhau kekahiʻano likeʻole o ka uku, aʻo kekahi mauʻoihana e hoʻohana i ke kālā ma ka ho'āʻoʻana e hoʻemi i nāʻauhau. Me ka loaʻaʻole o ka leka uila o kēlā me kēia hana, hikiʻole i ka IRS ke hōʻoia i koʻoukou hoʻokele. ʻO kēia paha kaʻokoʻa aʻaʻoleʻo ka rule, akā ua hana.
ʻOiaʻiʻo
ʻO Cash ka mō'ī. Ke ukuʻoe me ke kālā, uaʻike ka mea pāʻoihana ua paʻa ke kūkāʻana, a he mea liʻiliʻi loa ka pilikia o ka wā e hiki mai ana (hiki ke kālā ke kūʻaiʻia, akā he mea hikiʻole paha ia). Loaʻa ka kālā i ka manawa no ka hoʻohanaʻana o ka mea hana.
Ke ukuʻoe me ka'ikikoki, hiki ke lawe i kekahi mau lā no ka loaʻaʻana o ke kālā i kahi kālepa kālepaʻoihana (me ka kālekaʻana). ʻO kaʻoi aku o ia, hiki ke hoʻohuli i nā koina i loko o kekahi mau mahina: inā hoʻohanaʻia ke kāleka me ka hoʻopunipuniʻole aʻaʻole paha eʻoluʻolu ka mea kūʻai i kahi huahana a lawelawe paha, ua wikiwiki nā kāleka kāleka e hoʻopuka aku .
Ma kekahiʻano, ua palekana nā makaikai no nā mea kālepa no ka meaʻoi aku ka maʻalahi o ka poʻe kūʻai e lawe i kā lākou kālā. ʻOiai, hiki i kekahi ke kākau i nā hōʻailona maikaʻiʻole a iʻole e ho'ōki i ka uku ma kahi leka , akā i ka manawa e uku ai ke kālepa o ka mea kūʻai ma ka pahuʻai (a hiki paha i kekahi mau pule he nui ) he mea paʻakikī ka mea nāna e kūʻai i ke kālā.
Hiki i nā pāʻoihana ke loaʻa i kekahi manawa nā poʻo ma luna o nā kālā kuʻuna a iʻole nā kānaka e loli pinepine ana me nā hōʻike hōʻoia .
Ka nui
Hāʻawiʻia nā hihia i luna nei, ua hoʻoholo kekahi mau mea e pale i nā kāleka. Mahalo paha lākou i kaʻaeʻana i nā kāleka, akā,ʻaʻole lākou i manaʻo eʻike i ka pehea e lanakila ai i nā pilikia a loaʻa ka loaʻa kālā maikaʻi. ʻO ka hana i makemakeʻia e koho i ka mea kūʻai a koho i keʻano kūʻaiʻoi akuʻoi loa.
Ma nāʻano he nui,ʻaʻole pono kēia mauʻoihana eʻae i nā kāleka - ua lawa kā lākouʻoihana i kēia manawa. ʻO kēia wale nō kahi koho no nāʻoihana e hāʻawi ana i kahi huahana kūikawā i makemakeʻia e ka poʻe kūʻai. Eia kekahi laʻana, e noʻonoʻo i kahi kū kuʻe me ka laina ma waho o ka puka mua: ua hoʻolimalima nui nā meaʻai no lailaʻaʻole pono e kau i nā pilikia e hiki mai me nā kāleka.
No ke aha i mālama ai i ka mālamaʻana iā AmEx a me kaʻIke
Hoʻokipa kekahi mau hale kūʻai i ka pale, akā koho lākou. Hoʻomaopopo ka hapanui o nā kālepa i ka Visa a me ka MasterCard, akā i kekahi manawa e hoʻoholo lākouʻaʻole eʻae i ka American Express a me Discover. Ma keʻano laulima, no muli o nā pilikia likeʻole i hōʻikeʻia ma luna nei - akā,ʻoi aku ka nui o nā pilikia me ka AmEx a me kaʻIke.
Hoʻolālā nā mea kūʻai i ko lākou AMEx a me nā kālekaʻike. Eia naʻe,ʻo nā uku no kaʻaeʻana i kēlā mau kāleka uaʻoi aku ka kiʻekiʻe ma mua o ka Visa kahiko a me ka MasterCard. Heʻoi aku paha , hiki i ka mea kūʻai ke paio a hoʻololi i nā kū'ē me kēlā poʻe hoʻopuka. ʻO ka hapa nui o ka poʻe me ka AMEx e loaʻa iā lākou kekahi Visa a iʻole ka MasterCard, hiki iā lākou ke uku me kekahi kāleka inā makemake lākou (ʻoiai he mau mea kālepa kekahi e'ōlelo nei e pale aku lākou i ka hana me nā mea kālepa eʻaeʻole i kā lākou kāleka makemake).