ʻO ka palekana, ka māmā a me ka maʻalahi e mālama i kahi helu mālama kālā pono
Makemakeʻoe eʻike pehea e loaʻa ai ka pūnaewele mālama waiwai maikaʻi? Me kēia alakaʻi, hiki iāʻoe ke loaʻa ka waihona kālā e hoʻopōmaikaʻi iāʻoe. Ma keʻano holoʻokoʻa, e noʻonoʻo i kēia mau'ōlelo i loko o kēia mau mea: E palekana nā kālā mālama waiwai, e uku i ka mea hoʻokūkū me ka maʻalahi. Mai noho i kahi kāleka a iʻole kaʻahahui kālā, akā e kūʻai a puni ka huliʻana i ke kāleka e hāʻawi iāʻoe i ka mea āu eʻimi nei i loko o kahi waihona kālā.
Loaʻa i kahi Bank
Inā hoʻomakaʻoe mai kaʻiliʻana, ponoʻoe eʻike i kahi kāleka.
ʻO nā kumukūʻai hoʻolālā paʻakikī kēia mau lā ma nā pūnaewele pūnaewele . Ke uku mau nei lākou ma mua o nā pēpē pereki a me nā moemoeka , ʻaʻole nui nā uku aʻaʻoleʻole, a ua loaʻa iā lākou nā bele a me nā'ō'ī e pono ai.
ʻO kekahi o nā waihona mālama waiwai maikaʻi loa mai nā mea pāʻani nui o ka pūnaewele, aʻaʻole lākou i loaʻa nā palena kūpono loa:
Inā loaʻa iāʻoe nā waiwai nui e waiho ai,ʻo nā kālā i lunaʻaʻole pahaʻo ia ka uku pūnaewele mālama maikaʻi noʻoe, e like me ka ukuʻana o kekahi mau mea me nā kaulike kiʻekiʻe.
NāʻAla Hou
Ma mua o ka nohoʻana ma kahi'auke, eʻimi i nā hiʻohiʻona nui iāʻoe. ʻO nā kumukūʻai mālama maikaʻi nuiʻoi aku ka nui o ka uku paneʻe - hiki iā lākou ke hoʻoikaika i kou ola. Aia kekahi mau manaʻo e pili ana i ka hoʻopiliʻana i ka papa inoa ma lalo a hoʻopaʻa i kahi pūnaewele mālama waiwai no kāu kūlana, e nīnau iāʻoe iho ināʻoe e hoʻohana i nā CD a inā e hāʻawi ke kāleka iā lākou.
Eia kekahi, ponoʻoe e hoʻouka i nāʻike i loko o kāu pūnaewele kālā ? Aia kekahi wahi kūikawā i ka wā e pono aiʻoe i kahi lepa i paiʻia? I ka hope loa, pehea ka lōʻihi o ka hoʻoiliʻana o ke kāleka banki, a hiki iāʻoe ke kau aku i nā hōʻailona me kāu polokalamu kelepona ?
Kau i nā Pitfalls
Aia loaʻa iāʻoe kahi pūnaewele mālama maikaʻi no kāu mau mea pono, e mālama pono i kāu kālā ke palekana inā e holo ke kāleka i ka pilikia.
ʻO ka mea mua, e hōʻoia i ka loaʻaʻana o kaʻae FDIC ma kahi a me ka hoʻopiha pihaʻia o kāu pūnaewele. Inā hoʻohanaʻoe i kahi'ahailalā , e nānā i kaʻokoʻa NCUSIF , a he ikaika loa e like me kaʻae FDIC.
Ponoʻoe eʻimi i nā manaʻo hoʻohālikelike ma ka moʻokāki e hōʻoia i ka hoʻoliloʻana o ke kāleka i kāna mea e hoʻohiki ai. E hoʻomaka me Google a me DepositAccounts (DepositAccounts e mālama pū i ka papa inoa hou o nā waihona mālama mālama maikaʻi).
ʻO nā kumukūʻai hoʻopuka maikaʻi loa e hōʻike iāʻoe i nā pilikia pilikia ma kaʻike pūnaewele. E hoʻomākaukau iāʻoe iho me kaʻike ma mua o ka wā ma kaʻikeʻana i nā kumuwaiwai e like me " 3 Ke kumu e pale i nā Pūʻulu Waihona Pūnaewele ."
Nā uku hōʻai'ē
Loaʻa paha iāʻoe ke makemake i nā meaʻoi aku ma mua o ka helu pūʻai . Inā makemakeʻoe i kahi pūlāʻauhau - no ke kākauʻana, ka uku pāʻoihana pūnaewele a me ka kelepona kāleka kāleka - a laila e nānā i kahi helu pilikino. Hiki iāʻoe ke loaʻa i kahi hōʻai'ē hoʻokūkū ma kāu kālā e like me kāu e hana nei me nā waihona mālama waiwai maikaʻi loa, a hiki iāʻoe ke hoʻokaʻawale i kāu kālā mai ka nānāʻana i nāʻike .
Hiki i kekahi o nā kālā i lalo nei ke hālāwai me kāu mau pono:
E hōʻoiaʻoe e hoʻokomo i nā helu " uku checking " i nā moho ke koho aku i kāu noi noiʻi. ʻO kēia mau kālā e uku pinepine aku ma mua o nā waihona kālā mālama, a hiki iāʻoe ke hoʻolilo i ke kālā mai ka helu.
ʻO ka pahuhopu he pono iāʻoe ke hālāwai i kekahi mau pae hoʻohālike kūpono e loaʻa ai ka uku nui .