ʻO nā kālāʻauhauʻauhau kāu i mālama ai i ka manawa o nā loaʻa
Hoʻohanaʻia ka hoʻohana ponoʻana i nāʻauhau kālā inā loaʻaʻoe i kahi pūkeke kālā, aiʻole e hoʻohui i nā kālā kālā, nā mea paʻa, a me nā mea i hoʻopaʻaʻoleʻia ma loko o ka pūʻulu hoʻolimalima. (Me kāu mau kālā i loaʻa i loko o ka pūʻulu hoʻolālā e like me IRA aiʻole 401 (k), loaʻa nā loaʻa a pau i kaʻauhau , no lailaʻaʻoleʻoe e noʻonoʻo e pili ana i nāʻauhau a hiki i kahi e lawe aiʻoe i nā unuhi. )
ʻO nā kālāʻauhau i hoʻokūpaʻa iāʻoe i ka wā e loaʻa iāʻoe kaʻauhau ma ka loaʻaʻana no ka mea hāʻawi lākou i ka hapa nui o kā lākou kālā kālā ma keʻano o ka loaʻaʻole o nā kālā. ʻO kēia keʻanoʻoleʻoe e uku i nāʻauhau a hiki i kou kūʻaiʻana i nā'āpana o ka waihona. E nānā a pehea e hana ai.
ʻEluaʻano o nā kālā kālā kālā āu e pili ai i kāu mau'āpana kālā.
- Ka waiwai nui ma ka kūʻaiʻana i nā'āpana o ka puʻu kālā
Ke kūʻai akuʻoe i nā mahele o kahi kālā kāleka, ināʻoe e kūʻai aku ia mau mea no ka nui o kou ukuʻana iā lākou, eʻikeʻoe i kahi waiwai pōkole a wā lōʻihi paha. No nā mea o 'oukou i loko o ka' auhau kālā 10 a 15% paha, loaʻa ka hapa nui o ka pāʻani kālā i ka 'auhau auhau e pili ana i kahi nui o nā loaʻa i loaʻa. He nui ka poʻe i loaʻa ka manawa e kūʻai aku ai i ka'āpana o kā lākou kālā i loko o ka makahiki kahi i emi ai kaʻauhauʻauhau, a pēlā e ukuʻole ai i kaʻauhau ma nā loaʻa a pau! - Nā Waiwai i Hoʻomoleiʻia i kēlā Me kēia Makahiki
Ma loko o ka waihona kālā, i ka manawa e kūʻai aku ai ke kālā i nā waiwai a me nāʻaha i loaʻa ka waiwai, pono e hāʻawiʻia kēia waiwai iāʻoe ma keʻano he mea kuleana o ka waihona. Inā paha i loaʻa iāʻoe nā waiwai kālā a me nā puʻupuʻu nui, e loaʻa iāʻoe he 1099 pepa e hōʻike ana i ka nui o ka waiwai, a naʻoe e hōʻike i ka waiwai i kāu paneʻauhau a uku i ka nui o kaʻauhau. ʻO ka hapa nui o nā kālā e hāʻawi i kēiaʻano o nā loaʻa kālā ma loko o ka kokoke kokoke i ka hopena o ka makahiki. ʻO kēia me ke kālā nui loa e loaʻa iāʻoe kahi nui o nā loaʻa kālā e hōʻike i kēlā me kēia makahiki me kaʻoleʻoe i kūʻai aku i kekahi'āpana o ka waihona .
Hiki i nā makana i hoʻokomoʻia ke hoʻonui i kāu Bill Bill
ʻO kēiaʻano lua o ka waiwai i'ōlelo pinepineʻia he waiwai waiwai i hoʻopaʻaʻia, no ka mea, ināʻoe wale nō ke kālā no kekahi manawa pōkole, hiki iāʻoe ke hoʻopau i ka loaʻaʻana o ka waiwai waiwai a me ka ukuʻana i kaʻauhau. Pehea e hiki ai kēia? Ua kūʻai paha ka waihona kālā i kahi kumupūʻai i ka manawa lōʻihi; ma mua o kou liloʻana i ka waihona.
Ke kūʻai nei lākou. ʻOiaiʻoe wale nō ka waihona no kahi manawa pōkole, e komoʻoe i kāu mahele kūpono o ka waiwai waiwai ma kēlā ukana.
Ka Hoʻolālā'Āpono'Āina E hoʻemi i nā Māhele Māhele Kūʻai
Hoʻoponoponoʻia kahiʻauhau 'auhau i mālamaʻia e hoʻemi i ka hoʻoili waiwai waiwai. I loko o ka waihona kālā, hana lākou i ka hōʻiliʻiliʻaiʻana no ka hoʻopauʻana i nā loaʻa - me ka hopena hopena eʻike anaʻoe i kāu hopena ma ka nānāʻana i ka hoʻonuiʻana o ke kālā (ka waiwai mua i'ōleloʻia ma luna aʻe nei), ma mua o ka loaʻaʻana o ka nui o ka uku kālā kālā makahiki nā hōʻike i hōʻikeʻia ma kahi puka 1099. Iāʻoe e mālama nei i ka wā e kūʻai aku aiʻoe i nā mahele, i kēia manawa uaʻoi aʻe kou mana ma luna o ka makahikiʻauhau i hōʻikeʻia ai kēlā mau waiwai.
Hoʻolālā kaʻauhau kālā i ka hoʻoemiʻana i nāʻano kālā likeʻole e like me ka ukupanee a me ka uku kālā . Eia kekahi laʻana,ʻo kahi kālā i mālamaʻia i kaʻauhau i loaʻa i nā waihona a me nā palapala hoʻopaʻa, e loaʻa pinepine i nāʻaina aupuni, e hoʻonui i ka ukuleʻa nele i kaʻauhau kālā.
ʻO nā kālā kālāʻauhau i hoʻoikaika iāʻoe keʻikeʻoe i kāu kālā kālā. He mea nui loa kēia i ka weheʻana. ʻAʻoleʻoe makemake i kekahi pākēkeʻe hōʻai'ē hōʻeha, a me ka piʻiʻana o kāu kālā i ka hōʻeuʻeu hiki ke hoʻonui i kāu auhau mālama ola .
Eia kekahi, e like me ka mea i'ōleloʻia, no ka poʻe i loko o 15% a iʻole nāʻauhauʻauhau haʻahaʻa, aia kahi hapa nui o ka uku kālā ma nā uku kālā wā lōʻihi. Ma ka hoʻohanaʻana i kahi kālāʻauhauʻauhau, hiki iāʻoe ke hoʻoholo i ka loaʻaʻana o nā loaʻa ma ke kūʻaiʻana i nā'āpana o ka waihona ināʻoe i kahi makahikiʻauhau kahi eʻole ai ka waiwai.
Hoʻohana ponoʻia,ʻauhau kālā mālamaʻia e hiki ke lilo i mea eʻike ai i ka loaʻaʻole o ka uku kālāʻauhau ma ka hoʻomahaʻana.
Kahi e loaʻa ai nā kālā kūpono kālā
Nui nā hui kālā e hāʻawi nei i nā kālā i kapaʻia he "auhauʻauhau". Eia kekahi laʻana, hāʻawiʻo Vanguard i kahi kālā kaulike i mālamaʻia, nā pūʻulu kālā, nā kālā liʻiliʻi, aʻoi aku.
Ināʻaʻoleʻoe e hōʻiliʻili i kahi waihona kālā i mālamaʻia e hiki iāʻoe ke hoʻoikaika i kaʻauhau kālā maikaʻi ma o ka hoʻohanaʻana i nā kālā helu helu a me nā kumukūʻai kūʻai kālā. 'Iehares, no ka laʻana, ho'ākāka i ka nui o ka hoʻokomo i kaʻauhau ma kā lākou mau palapala'ānamai kālā.