He aha kahi'ōleloʻike kālā pilikino?
ʻO kahi hōʻike kālā pilikino kahi palapala e hōʻike ana i kāu waiwai a me kāu mau waiwai a me kāuʻupena pūnaewele.
ʻO ka hoʻohālike maʻaneʻi,ʻo ka waiwai i hoʻoiliʻoleʻia e like me ka Net Nettle . Inā male maleʻoe, hiki i kaʻike kālā pilikino ke hui pū me kāu mau waiwai a me nā mea o kāu wahine.
ʻO kāu waiwai kāu kuleana i nā mea e like me ka home a iʻole ka kaʻa a iʻole ke kākoʻo.
ʻO kāu mauʻaeʻa he kālā āu e uku nei iā haʻi. Eia kekahi laʻana, hiki iāʻoe ke hōʻai'ē ma kou home a kaʻa paha, a iʻoleʻoe i ke kālā i nā kāleka kāleka.
ʻO kāu Net worth ʻo kaʻokoʻa ma waena o kāu mau waiwai a me kāu mau kuleana. Eia kekahi laʻana, inā loaʻa iāʻoe kahi hale a me kaʻa me kahi waiwai o $ 100,000, a iāʻoe he moraki a me ka hōʻai'ē kālā no $ 75,000,ʻo kāuʻupena waiwai he $ 25,000. ʻO ke kumukūʻai kūpono no kekahi kanaka like me ka pono o ka mea waiwai no kaʻoihana.
ʻO ia,ʻo ia kaʻokoʻa ma waena o nā waiwai waiwai a me nā kuleana; ka nui o kaʻoihana a ka mea nona kaʻoihana. Ma kahiʻoihana, ua kapaʻia kēia palapala he pale pale .
Eʻikeʻoeʻaʻole nā hōʻike e hōʻike ma kaʻike kālā pilikino, no ka mea,ʻaʻohe kuleana.
ʻO ka hoʻolimalimaʻiaʻana o ka hale a me ka hoʻolimalimaʻana i kahi kaʻa e hana i ka uku o kēlā me kēia mahina, akā,ʻaʻoleʻoe i loaʻa kēia mau mea, no lailaʻaʻole lākou e komo i kēia pane.
He aha keʻano o ka'ōlelo kīnā pilikino?
ʻO keʻano o kaʻikepili kālā pilikino he mea kūpono. Hōʻike ia i nā waiwai ma ka hema a me nā kuleana ma ka'ākau.
Hōʻikeʻia ka nui o nā kumukūʻai ma ka'ākau, e kau i ka hoohalike.
I ka makahiki e pono ai iaʻu kahi'ōlelo pilikino pono'ī?
Ināʻoe e hoʻolaha ana i kahi hoʻolālāʻoihana a noi noi pāʻoihana paha i ka mea nāna e hāʻawi, e noi paha lākou no kahiʻike kālā kālā pilikino. I nā kumu he nui, hiki ke noiʻiaʻoe e hāʻawi i kahi hōʻai'ē pono'ī no kekahi hapa o ka hōʻai'ē, aiʻole pahaʻoe e hōʻoiaʻiʻo i kekahi o kāu waiwai pono'ī e hōʻoiaʻiʻo i ka loiloi. I kekahi manawa ua kapaʻia kēia inoa he hōʻai'ē palekana.
Pono kaʻike kālā pilikino e makemakeʻia e hiki i ka mea nāna keʻike keʻike inā loaʻa iāʻoe nā waiwai a me nāʻano waiwai āu. Eia kekahi laʻana, ināʻoe e hoʻolaha nei i nā hana hoʻolimalima (e like me ka IRA a 401K paha), pono kaʻike eʻike i ka nui o ka hoʻokomo a me kahi e mālamaʻia ai.
Pehea wau e hoʻomākaukau ai i kahi'ōlelo kīnā pilikino?
E hoʻomaka, e hoʻomaka i ka hōʻuluʻuluʻike e pili ana i nā waiwai a me nā kuleana. ʻO ka hōʻike kālā kālā pilikino hōʻike i nā waiwai a me nā aie a me ka waiwai kūpono ma kahi kiko'ī i ka manawa, no laila e hoʻomākaukau i ka palapala me nā mea i loaʻa mua loa. Ke maopopo nei kāu mea e hāʻawi nei i kahi o kēiaʻike e loli ana iāʻoe e hele e pili ana i kāu mau hana pilikino pono'ī (e hoʻolimalima i nā uku). A e hoʻololi i nā loiloi kālā i ka manawa pū kekahi.
Ināʻaʻole maopopoʻoe i ke kumukūʻai o nā waiwai, e hana i kāu mea e pono ai e loaʻa kahi mea kūpono. Inā makemake ka mea hoʻolimalima e hoʻohana i ka waiwai no ka hōʻoiaʻiʻo i kāu noiʻoihana, e hana lākou i kahi hoʻolima.
Ma keʻano he mea o kāu hoʻomākaukau no ka hōʻikeʻana i kāu hoʻolālāʻoihana, ponoʻoe e holo i kahi hōʻike hōʻike hōʻoia iāʻoe iho, no ka mea,ʻo ka mea nāna e hāʻawi aku nei e hana i kēia. ʻO kēia keʻanoʻaʻole e loaʻa wale i ka'ōkuhi FICO, akā, he hōʻike e hōʻike ana i nā kiko'ī.
ʻO kekahi mau kiko'ī no kēia mau waiwai a me nā aie:ʻO ka mea e komo ai a me ka mea eʻole e komo.
- Ka Waihona ma kahi helu hōkeo. ʻOi maikaʻi ka lōʻihi loa, no ka mea, ke loli mau nei kēia mau hua'ōlelo.
- ʻO'IRA, 401k, a iʻole kekahi palapalaʻauhau uku'ē aʻe .
- Nā hōʻike pilikino'ē aʻe , e hōʻike ana i ka palekana loa.
- ʻO kahi kope o ka hōʻike hou loa i kāu moemoeka home, me ke koena o ka waiwai. No ka moraki, hiki paha iāʻoe ke noi i kahi hoʻolimalima hou.
- ʻO kahi kope o ka hōʻike hou loa i kāu hōʻai'ē kaʻa, kālepa kaʻa, a me nā loina'ē aʻe.
- Mai hoʻokomo i nā lako a me nā waiwai o ka hale e like me ka waiwai pilikino. ʻAʻole kūpono kēia mau mea i ka mea nāna e uku aku no ka mea,ʻaʻole hiki ke kūʻaiʻia e uku i ka hōʻai'ē.
- Hiki iāʻoe ke hoʻokomo i nā mea kiko'ī o ka waiwai pilikino inā loaʻa iā lākou ka waiwai nui a hiki iāʻoe ke hōʻoia i ka waiwai me ka uku. Eia kekahi laʻana,ʻo ka hoʻokomoʻana paha i nā mea kahiko a me nā mea nani.
- E hoʻokomo i kaʻae aie i loko o kaʻaha kālā. ʻOiaʻiʻo, e hoʻokomo i nā hōʻai'ē e hiki ke hōʻike i kahi hōʻike hoʻoili.
- Hoʻohui i kekahi aie āu i hui pū me kekahi mea'ē aʻe (i kapaʻia he "kuleana pili." Eia kekahi laʻana, ināʻoe he mea kau pū i ke kālā me kahi, e hōʻoiaʻoe e kau i loko o ka hōʻike.
- Inā loaʻa kāu kālā kālā mai nā koi liʻiliʻi i ka hoʻoholo a iʻole i kekahi mea'ē aʻe a i ka hoʻokolokolo paha, e hoʻokomo i kēia mau mea; ʻO lākou nā moʻolelo aupuni. Hiki i ka mea noi ke nānā i nā moʻolelo o ka 'aha hoʻokolokolo eʻike ai inā he mau kuleana'ē aʻe kāu.
- Inā loaʻa iāʻoe nāʻauhauʻauhauʻole o nā makahiki i hala, e hoʻokomoʻia kēia mau kālā. ʻO kēia mauʻauhau e pili ana i kaʻauhau kālāʻauhau a me ka moku'āina a me nāʻauhauʻauhau pāʻoihana , nāu nō ke kuleana pilikino.
- Hiki paha i ka mea noi ke makemake eʻike i kāu mau kumu waiwai (e nānā i ka palapala SBA ma lalo nei). He mea maikaʻi e hōʻuluʻulu i kēiaʻike, a hiki iāʻoe ke hōʻike i ke kālā ma o kāu waihona kākike aiʻole kākekekekekekekekekekekeʻoihana .
ʻO ka 'Ahahui Kuleana liʻiliʻi (SBA) loaʻa kahi hōʻike pilikino pilikino āu e hoʻohana ai. Na kēia palapala e kōkua iāʻoe e hōʻoiaʻaʻoleʻoe i nele i kekahi mea
Ke komoʻoe i nāʻike a pau o nā waiwai a me nā aie,ʻo ka mea hope loa e hana ai e helu i kāu kumukūʻai. Inā loaʻa iāʻoe kahiʻili maikaʻiʻole (ʻoi aku kāu aie ma mua o kāu), pēlā nō. Mai ho'āʻo e hoʻololi i ka palapala ma ka hoʻoneʻeʻana i nā kuleana a iʻole nā mea i ukuʻia. Eʻae wale i ka mea.
He aha ka mea nui loa e noʻonoʻo ai e pili ana i kahi Kālā Kākoʻo Kākoʻo Kānana?
ʻO kēia'ōlelo he pepa laulā e papa inoa ana i nā mea āu a me nā mea āu e uku nei, akā, e makemake pū ana ka mea hāʻawi i nā palapala no ka mana a me nā kuleana. Eia kekahi laʻana, inā loaʻa iāʻoe ka moraki home, hiki i ka mea nāna ke uku ke makemake i ka hoʻolimaʻana ma ka home a me kahi'ōlelo e hōʻike ana i ka palekana no ka moraki.
Inā manaʻoʻoe e hoʻomākaukau anaʻoe i kahiʻikepili kālā pilikino, e hōʻoiaʻoe ua loaʻa nō paha i nā mea kākoʻo i ka māheleʻana me ka mea nāna e hāʻawi. Māmā aʻoi aku ka wikiwiki o ka loiloi.
ʻO ka hope, eʻoiaʻiʻoʻoe eʻoiaʻiʻo, piha, a pololei i ka hoʻomākaukauʻana a me ka hōʻikeʻana i kāuʻikeʻike kālā pilikino. Ināʻikeʻoe i ka palapala SBA pūnaewele kālā,ʻikeʻoe i kēia "ʻO ka hoʻomaʻamaʻaʻana e hana i kahi'ōlelo wahaheʻe i kēia pepa he mea ia e uhaʻi i ke kānāwai Pekelala ..." aʻo ka haʻi wahaheʻe i kāu kūlana waiwai pilikino i kahi kāleka e like me ka pōʻino.