E hōʻike i nā Lulu Ula
Ināʻoe e ulu ana ma waho oʻAmelika Hui PūʻIa a iʻole he mauʻohanaʻelemakule e hoʻomanaʻo nei i ka nui o nā kānaka i hōʻole i nā pūnaewele waiwai ma hope o ka Great Depression, hiki paha iāʻoe ke noʻonoʻo e pili ana i nāʻaukā. ʻOiai ma ka kenekulia 21,ʻaʻole ia he mea maʻamau no ka hōʻoleʻana o nā kānaka e waiho i kā lākou kālā ma nāʻaʻa.
Ma kahi aʻe, makemake nui kekahi e mālama i kā lākou kālā ma ka hūnāʻana i nā kiko a puni ka home a iʻole i nā mea pale.
ʻAʻole pēlā ke ola. Ma hope o nā mea a pau, he mau hōʻailona e nānā aku ai no ka pilikia o kahi pēke. E nānā i kahi e hiki ai iāʻoe ke hōʻoia i kāu kālā ma kahi palekana.
ʻIkeʻIke
ʻO ka mea mua, ponoʻoe e hōʻoia i kāu 'kālā palekana' i kahi pakele. ʻO kekahi o nā mea palekana ikaika loa,ʻo ia ke inikua i kākoʻoʻia e ke aupuniʻoʻAmelika Huipūʻia. No nā hakahaka, makemakeʻoe i ka hoʻolauna FDIC. Hoʻohanaʻia nā uniona hōʻai'ē ma ka helu NCUSIF.
E mālama pono i nā palena o kēia mau papahana. Hiki iāʻoe ke lilo ke kālā ināʻoi aku ka nui o kāuʻoihana. No laila, inā makemakeʻoe e hana hou i ka mālamaʻana, e hoʻopili i kāu kālā e hōʻoia i ka wā e hāʻule ai kahi pēke,ʻaʻole e nalowale kāu kālā. Hoʻonui i kou hoʻomaopopoʻana i keʻano o ka hanaʻana o nā hana palekana i'ōleloʻia i kēia manawa:
- Peheaʻo ka NCUSIF Insurance Works
- He mālama mālama mālama kālā kaʻu? (Kālā,'Ake Mokuna Kālepa, Brokers, a me nā Hōʻailona Hoʻolālā)
Inā ua piha pono kāu kālā a kūpono i ke kino, ua nui kou hopohopo. Inā piʻi ka pūʻaliʻana o kāu kāleka,ʻaʻoleʻoe eʻike. ʻAe, no laila eʻikeʻoe inā ua hana ka'eneki kālā i ka lono, akā,ʻo ka FDIC a me ka NCUSIF mau polokalamu e hoʻomaopopo iāʻoe e hiki iāʻoe ke hoʻohana i kāu pūnaewele like, kāleka a me nā pūnaewele me kaʻole o ka pilikia.
Loaʻaʻole he kumu e lawe ai i kāu kālā mai loko mai o kahiʻele i hanaʻoleʻia aiʻole hoʻokomo i kahi hana kāleka. No ke aha mai? Keʻike i ka hopena o ka hanaʻole o kahi kīpili a iʻole i ka hopena o kahi kāleka e hāʻawi iāʻoe i ka manaʻo maikaʻi aʻe.
Kālā Bank
Inā makemakeʻoe e hōʻole i nā hāʻule kālā, hiki iāʻoe ke ho'āʻo e hōʻalo i nā'auwaʻa nāwaliwali. No kaʻikeʻana i nā kapa palupalu, e nānā i nā lawelawe hōʻikeʻana no kaʻikeʻana i kaʻikeʻiaʻana o kāu pēke a iʻole'elepona. ʻO kekahi o nā lawelawe hana kūponoʻole:
- E huli i nā Bank Kū'ē Loa
- ʻO kā Bankrate a Safe and Sound Ratings
- BauerFinancial Inc.
E heluhelu i ka News
Inā loaʻa kāu kālā i ke kūlana, hiki iāʻoe ke hahai pū i ka nūhou eʻike ai i kahi e hoʻokokoke ai nā kālā i ka hāʻuleʻole. ʻOiaʻiʻo,ʻaʻohe kanaka iʻike i ka mea e hiki mai ana ma mua a hiki ke alakaʻiʻiaʻoe. Eia naʻe, ua nui nā kamaʻilio e pili ana iā Washington Mutual a me Wachovia i mua o ka pauʻana i ka makahiki 2008.
E hoʻomaopopo inā inā ua paʻa ponoʻoe, hiki iāʻoe, no laila, e nānāʻole i nā moʻolelo a waiho i kāu kālā ma hea kahi. E kūʻai aku kekahi kumukūʻai i nā waiwai a hiki iāʻoe ke hoʻohana i kāu kālā me kaʻaloʻoleʻole i ka nui o nā hihia. Hiki i kaʻaeʻana i kahi hana kālepa ke kōkua i ka hōʻomi a iʻole ka hopena o kahi kāleka, a he mea hoʻonele wale nō ia o kou manawa.