ʻO nā mea āpau e pono ai ʻoe e ʻike e pili ana i nā moʻokāki mākeke kālā

ʻO nā moʻokāki makeke kālā he mau waihona kālā i hoʻopaʻa ʻia e ke aupuni e hele pinepine mai me nā pono uku ma o ka haki a kāleka hōʻaiʻē.

E aʻo pehea e hana ai nā moʻohelu kālā kālā a hoʻokaʻawale i waena o kēia mau moʻokāki a me nā mea ʻē aʻe e hoʻoholo ai inā ʻo lākou ke kaʻa kūpono no kāu mau pahuhopu a me nā pono waiwai.

Akā ma mua o kou hoʻomaka ʻana, eia kahi hoʻomaʻamaʻa premium e hana hiki iā ʻoe ke ʻike i nā mea huna a pau e kūleʻa i ka Podcast.

He aha ke kālā makeke?

ʻO kahi moʻokāki mākeke kālā he waihona mālama kālā me kekahi mau hiʻohiʻona mana. Hele mai ia me nā loiloi a i ʻole kāleka hōʻaiʻē a ʻae i kahi helu palena o nā hana i kēlā me kēia mahina.

ʻO ka mea maʻamau, hāʻawi nā waihona mākeke kālā i nā kumukūʻai kiʻekiʻe aʻe ma mua o nā waihona mālama kālā maʻamau. Akā i kēia mau lā, ua like nā uku. Loaʻa pinepine nā mākeke kālā i ka waihona kālā kiʻekiʻe a i ʻole nā ​​koi kaulike liʻiliʻi ma mua o nā waihona mālama kālā, no laila e hoʻohālikelike i kāu mau koho ma mua o ka hoʻoholo ʻana i hoʻokahi.

Ma USA, ua hoʻopaʻa ʻia nā moʻokāki kālā kālā e ka ʻO Federal Deposit Insurance Corp. (ma nā panakō) a me ka National Credit Union Administration (ma nā uniona hōʻaiʻē), no laila ʻaʻole ʻoe e nalo i kāu mau waihona inā paha e banekorupa ka ʻoihana kālā.

Hoʻopili pinepine ʻia kēia mau moʻolelo me nā kālā mākeke kālā, ʻo ia nā kālā like i hāʻawi ʻia e nā ʻoihana hoʻopukapuka. Mahalo ka poʻe kūʻai aku i ka liʻiliʻi o nā waihona mākeke kālā a me nā kālā mākeke kālā no ka mea ua hāʻawi maʻalahi lāua i ke kālā.

Akā ʻaʻole like ia. ʻO nā moʻokāki makeke kālā i hōʻike ʻia i ke kālā i loaʻa maʻalahi, ʻo ia ke kumu i kapa ʻia ai lākou he "money market deposit accounts". Hoʻokaʻawale ʻia nā kālā mākeke kālā e like me ke kālā like a ʻaʻole i hoʻopaʻa ʻia ʻo FDIC

Moʻokāki makeke kālā VS waihona mālama kālā

Loaʻa i nā moʻolelo ʻelua ka ukupanee a hāʻawi i ke ala maʻalahi i ke kālā ma ka ʻae ʻana iā ʻoe e hoʻihoʻi i ke kālā ma ke koi a hiki i nā palena withdrawal. Akā ʻaʻole lākou e lawelawe i nā kumu like.

ʻO kahi moʻokāki makeke kālā he ʻano waihona waihona e koi pinepine i kahi koena haʻahaʻa kiʻekiʻe. Uku maʻamau ia i ka uku pānaʻi kiʻekiʻe ma mua o ka waihona mālama kālā maʻamau.

Hele pū kekahi mau CMM me kahi kāleka hōʻaiʻē a hōʻoia paha – ʻaʻole ʻoe e ʻike me nā waihona mālama kālā. Pono paha nā kula e hoʻohana ʻia lākou ma mua o ʻeono manawa i kēlā me kēia mahina.

E uku kekahi i ka uku ke hele ʻoe ma luna o kēlā helu. Uku ka waihona hoʻopaʻa pākēneka i nā kumukūʻai maikaʻi akā maʻamau ʻaʻohe kāleka hōʻaiʻē a i ʻole ke komo ʻana.

ʻO ke kumu nui o ka wehe ʻana i kahi CMM, ʻo ia ka loaʻa ʻana o ka uku pānaʻi kiʻekiʻe ke hoʻohālikelike ʻia me kahi waihona mālama kālā a i ʻole kahi moʻokāki maʻamau, ʻoiai e loaʻa ana ka hiki ke kākau i kekahi mau kikoʻī. E hoʻomanaʻo i kekahi mau manawa like nā kumukūʻai mākeke kālā a me nā kumukūʻai mālama kālā i kēia mau lā.

Ka hoohalike ana o na moo dala makeke a me na waihona dala e ae

Hāʻawi nā waihona kālā kālā i nā hana ʻokoʻa ma mua o nā waihona kālā ʻē aʻe. Eia ka nānā ʻana pehea lākou e hoʻohālikelike ai i nā waihona waihona kuʻuna i hāʻawi ʻia e ka hapa nui o nā panakō lawelawe piha.

Waihona Waihona Kiekie

ʻAʻole like ka moʻokāki makeke kālā me ka waihona mālama kālā maʻamau āu i maʻa mau ai. ʻO ka ʻokoʻa nui loa ma waena o nā moʻolelo ʻelua, ʻo ia ka hāʻawi ʻana o nā moʻokāki kālā kālā i kahi kiʻekiʻe o ka pākēneka makahiki (APY), ʻoi aku ka nui o nā moʻokāki mākeke kālā i hāʻawi ʻia e nā panakō pūnaewele. A e loaʻa iā ʻoe nā kuleana kākau leka a me a kāleka hōʻaiʻē.

mooolelo o keia manawa

Kuhi ʻia nā moʻokāki kuʻuna no nā hana i kēlā me kēia lā. ʻAʻole hana nā moʻokāki kālā ma kēia ʻano no ka mea e pili ana lākou i nā palena o ka mahina.

Inā makemake ʻoe e mālama i kāu kālā no nā hana i kēlā me kēia lā, e hana i kahi moʻokāki. Ke hele mai nei kekahi mau moʻokāki makeke kālā me nā pōmaikaʻi moʻokāki, e like me nā kāleka hōʻaiʻē no ka loaʻa ʻana o ATM a me nā pono kākau kākau.

Eia hou, ʻo ka ukupanee i loaʻa mai i nā moʻolelo mākeke kālā he ʻokoʻa nui ma waena o nā moʻolelo. ʻAʻole uku panee ka hapa nui o nā moʻo kālā.

Palapala Waihona (CD)

Hiki ke hoʻohālikelike ʻia nā CD me nā moʻokāki mākeke kālā ma ke ʻano o ka uku ukupanee. Hiki i nā mea ʻelua ke hāʻawi i nā APY kiʻekiʻe.

ʻO ka ʻokoʻa, koi nā CD iā ʻoe e haʻalele i kāu kālā no kahi manawa kikoʻī, mai ka liʻiliʻi o hoʻokahi mahina a hiki i ka ʻelima a i ʻole 10 mau makahiki. ʻAʻole ʻae ka hapa nui o nā CD iā ʻoe e hoʻihoʻi i ke kālā me ka ʻole e hoʻopaʻi ʻia.

ʻO kekahi ʻokoʻa ʻē aʻe ma waena o nā CD a me nā moʻokāki kālā kālā ke ʻano o ka uku paneʻe i loaʻa iā lākou. Ke wehe ʻoe i kahi CD, hoʻopaʻa ʻoe i kahi uku uku paʻa no ka manawa holoʻokoʻa o ka CD. Loaʻa iā lākou nā APY ʻokoʻa, ʻo ia hoʻi, hiki ke piʻi a i lalo paha i kēlā me kēia lā.

Hoʻopaʻa pinepine nā waihona kālā kālā i nā uku kiʻekiʻe loa no nā koena kiʻekiʻe. Hāʻawi ʻia nā helu CD kiʻekiʻe loa no nā huaʻōlelo CD lōʻihi.

ʻO nā ala maikaʻi loa e hoʻohana ai i kahi moʻokāki kālā

He kaʻa maikaʻi loa nā moʻokāki mākeke kālā no ka ʻimi ʻana i nā pahuhopu hoʻopakele no ka wā pōkole a me ka wā lōʻihi. Hāʻawi lākou iā ʻoe e hoʻokaʻawale i ke kālā kikoʻī mai kāu waihona kālā o kēlā me kēia lā e mālama ai no ka wā e hiki mai ana. He waihona waihona kālā maikaʻi lākou e hoʻohana ai no:

• Waihona pilikia
• Na lilo o ka mare
• Waihona hoʻomaha
• Ka uku ʻauhau
• nā papahana hoʻomaikaʻi hale
• Mālama no ke kaʻa hou
• Hoʻopakele penikala
• Nā pahu hopu hoʻopakele no ka wā pōkole

ʻO ka hoʻohana ʻana i kahi moʻokāki mākeke kālā he pau ʻole. Eia kekahi, hiki ke maʻalahi kāu kālā inā pono ʻoe.

Nā Pōmaikaʻi a me nā pōʻino o nā moʻokāki makeke kālā

He waiwai anei ka mooolelo kuai dala? Pili ia. Inā ʻoe e noʻonoʻo ana i kekahi, e hoʻomanaʻo i kēia mau mea maikaʻi a maikaʻi ʻole.

ʻO nā pōmaikaʻi o nā moʻokāki makeke kālā

Ka uku panee kiʻekiʻe. ʻOi aku ka kiʻekiʻe o ka uku panee ma mua o nā waihona mālama kālā.

Kākau ʻana i nā māka. Nui nā moʻokāki makeke kālā e ʻae i nā mea kūʻai aku e kākau i nā loiloi e huki i kā lākou waihona ke ʻae ʻole ʻia kahi kāleka hōʻaiʻē.

Nā kāleka hōʻaiʻē. ʻO ke kāleka hōʻaiʻē e hele mai me ka nui o kēia mau moʻolelo e maʻalahi ka hana ʻana i nā kūʻai pinepine ʻole me ka plastic.

Inikua waiho: Hāʻawi ka ʻinikua FDIC a i ʻole NCUA iā ʻoe i ka maluhia o ka noʻonoʻo ʻaʻole ʻoe e nalowale i kāu kālā inā ʻaʻole ʻoe e nalowale i kāu kālā inā ʻaʻole e paʻa ka panakō.

Eia kekahi, ʻae kēia mau moʻolelo iā ʻoe e:

• ʻOi aku ka maʻalahi o ka loaʻa kālā ma mua o nā waihona mālama mālama kuʻuna me nā kāleka debit a me nā māka. Hiki ke hoʻohana maikaʻi ʻia kēia ʻoihana inā pilikia.
• E pōmaikaʻi mai nā kumukūʻai ʻoi aku ka maikaʻi ma mua o nā moʻokāki maʻamau.
• Loaʻa i kahi palekana e mālama ai i kahi kālā nui, pale ʻia e ka inikua FDIC.

ʻO nā pōʻino o nā moʻokāki kālā

• He maʻalahi paha ke kālā e hoʻolilo.
• Pono kekahi mau moʻokāki i nā koena haʻahaʻa kiʻekiʻe e wehe a pale paha i nā uku.
• I nā manawa he nui, loaʻa nā waihona mālama kālā e like me ka nui o ka ukupanee.
• Nā koi kaulike haʻahaʻa kiʻekiʻe. Pono ʻoe e mālama i kahi koena moʻokāki kiʻekiʻe ma mua o kahi waihona mālama. ʻO ka mea hiki ʻole iā ʻoe ke loaʻa a i ʻole e pale iā ʻoe mai ka uhi ʻana i nā lilo ʻē aʻe.
• Uku mahina. Inā ʻaʻole hiki iā ʻoe ke hoʻokō i nā koi kaulike liʻiliʻi, e uku ʻoe i nā uku i hiki ke ʻai i kāu waihona.
• Nā palena huki. ʻO ka pāpale ma ka helu o ka hoʻihoʻi ʻana i kēlā me kēia mahina e hiki ai iā ʻoe ke hana maʻamau mai kēia mau moʻolelo i mea hiki ʻole ke hoʻolilo i kēlā me kēia lā.

hōʻuluʻulu manaʻo

• ʻO nā moʻokāki makeke kālā i hoʻopaʻa ʻia e ke aupuni a hāʻawi ʻia e nā panakō a me nā hui ʻaiʻē.
• Hāʻawi lākou i nā ʻano maʻamau me nā waihona mālama kālā a me nā moʻokāki nānā.
• He kaʻa maikaʻi loa ia no ka pilikia a me ke kālā ʻana.
• Hāʻawi lākou i ka wai liʻiliʻi ma mua o nā waihona mālama kālā ma muli o kā lākou mau koi kaulike haʻahaʻa maʻamau.

Ma mua o kou haʻalele ʻana, eia kahi aʻo e hiki ai iā ʻoe ke ke kālepa haku i ka hola 1 wale nō. Kaomi ma aneʻi e kūʻai.

E waiho mai iaʻu i kahi manaʻo a kaʻana like i kāu mau pūnaewele kaiapili