Inikua ola moraki a puni ka aina
ʻO ka ʻinikua hoʻomalu moraki he kulekele ʻinikua e uku ana i ka moraki inā make ʻoe a i ʻole kekahi mea nona i ka wā o ka moraki. Inā loaʻa iā ʻoe kahi moraki hui, pono nā kānaka ʻelua i ka ʻinikua palekana moraki. Ua like kona lōʻihi me ko ka moraki. No laila, inā lawe ʻoe i kahi moraki no nā makahiki ʻoi aku ma mua o 20, pono e paʻa kāu ʻinikua palekana moraki no 20 mau makahiki.
Hana ʻia nā hoʻokuʻu ʻana i kēlā me kēia hihia, a inā paha ʻoe e hāʻule i loko o kekahi o nā hoʻokuʻu i luna, hiki i ka mea hāʻawi ke hoʻolilo i ke ʻano o ka moraki e loaʻa iā ʻoe ka ʻinikua palekana moraki ma mua o ka ʻae ʻana i kāu moraki. He mea nui e ʻike i ka pilikia kālā o ka loaʻa ʻole o ka uhi ma mua o ke kau inoa ʻana i ka moraki. Inā make, ʻaʻohe ʻinikua e uku i ka moraki, no laila e hoʻomau ka mea hoʻohana a i ʻole nā mea pōmaikaʻi i ka uku ʻana i ka moraki.
E hoʻomanaʻo ʻaʻole e uhi kēia ʻano ʻinikua i nā uku inā ʻaʻole hiki iā ʻoe ke hana ma muli o ka haʻalele ʻana, ka maʻi a me ke kīnā. No kēia ʻano hoʻopiʻi, pono ʻoe e noʻonoʻo i nā ʻano ʻinikua ʻē aʻe, e like me ka uhi pila, pale uku, a i ʻole ʻinikua mālama kālā.
ʻO nā hui ʻinikua ola moraki
Inā kūʻai ʻoe i hale a i ʻole palahalaha ma ke kumu hoʻolimalima, pono ka waiwai i ka ʻinikua hale, akā ʻaʻole pono ʻoe e lawe iā ʻoe iho. Aia ke kuleana ma luna o ke konohiki, ʻo ia ka mea nona ka hale. Akā ʻaʻole kēia ka hihia i nā manawa a pau, no laila pono ʻoe e nīnau i kāu loio nāna ke kuleana no ka mālama ʻana i ka hale.
Ke hoʻokokoke mai nei ka lā neʻe, makemake paha ʻoe e noʻonoʻo i ka ʻinikua maʻiʻo e pale pū i kāu mau mea. ʻAʻole pono ʻoe e hoʻohaʻahaʻa i ka waiwai o kāu mau mea, mai ke kīwī a i ka mīkini holoi.
Inā ʻoe e pani iā lākou, pono ʻoe i ka ʻinikua maʻiʻo e uhi i nā poho. He ʻoi aku ka maʻalahi o ka lawe ʻana i ka pahu a me ka ʻinikua i loko, akā hiki iā ʻoe ke hana kaʻawale. Hāʻawi mākou i ka hale a me ka uhi ʻike.
Hiki i ka ʻinikua ola ke hāʻawi iā ʻoe i ka maluhia o ka noʻonoʻo me ka ʻike e mālama ʻia lākou inā e hala ʻoe. Hiki ke manaʻo ʻaʻole pono kou ʻohana e uku i ka moraki a i ʻole ke kūʻai aku a neʻe.
ʻO ka nui o kāu moraki e pono ai e pili ana i ka nui o kāu moraki a me ke ʻano o kāu moraki. Hiki iā ʻoe ke noʻonoʻo i nā aie ʻē aʻe āu e loaʻa ai, a me ke kālā e pono ai no ka mālama ʻana i nā mea hilinaʻi, e like me kāu hoa pili, nā keiki, a i ʻole nā ʻohana ʻelemakule.
moraki i hoʻopaʻa ʻole ʻia
E kūʻai i kahi kulekele inikua ola no ka liʻiliʻi o ka nui o kāu moraki. No laila, inā e make ʻoe i ka wā "kau" e paʻa ana ke kulekele, loaʻa i kāu poʻe aloha ke ʻano maka o ke kulekele. Hiki iā lākou ke hoʻohana i ke kālā e uku ai i ka moraki. Loaʻa pinepine ʻole ʻauhau.
I ka ʻoiaʻiʻo, hiki ke hoʻohana ʻia kāu mau kulekele no kēlā me kēia kumu e koho ai kāu poʻe pōmaikaʻi. Inā he haʻahaʻa ka uku paneʻe i kā lākou moraki, makemake paha lākou e uku i ka ʻaiʻē kāleka hōʻaiʻē kiʻekiʻe a mālama i ka moraki haʻahaʻa. A i ʻole makemake paha lākou e uku no ka mālama a mālama ʻana i ka hale. ʻO nā mea a lākou e hoʻoholo ai, e lawelawe maikaʻi ana kēlā kālā iā lākou.
Akā me ka ʻinikua ola moraki, ʻo kāu mea hāʻawi aku ka mea i loaʻa i ke kulekele ma mua o ka poʻe pōmaikaʻi āu i koho ai. Inā make ʻoe, loaʻa i kāu mea hāʻawi ke koena o kāu moraki. E pau ana kāu moraki, akā, ʻaʻole e ʻike kāu poʻe ola a i ʻole nā mea aloha i kekahi o nā loaʻa.
Eia kekahi, hāʻawi ka ʻinikua ola maʻamau i kahi pōmaikaʻi pālahalaha a me kahi uku paʻa ma luna o ke ola o ke kulekele. Me ka 'inikua ola moraki, hiki ke noho like ka uku, aka, e emi ana ka waiwai o ke kulekele i ka manawa e emi ana kou koena moraki.
'Inikua ola moraki no na kanaka makua
E hoʻopaʻa inoa iā Samantha Haffenden-AngearIndependent Protection Expert0127 378 939328/04/2019 ʻOiai he mea kūpono ke noʻonoʻo e lawe i ka Inikua Ola e uhi i kāu hōʻaiʻē moraki, ʻaʻole pono ia. ina oe e make. Hāʻawi ʻia i ke kumukūʻai o ka ʻinikua ola, inā he hoa a ʻohana paha ʻoe, pono e noʻonoʻo pinepine ʻia, me ka ʻole o ke koi a ʻaʻole paha. ʻO kahi kulekele ʻinikua wā moraki maʻalahi e uku i ka huina kālā e like me ka ʻaiʻē o ka moraki, e ʻae ana i kāu poʻe aloha e uku i ke koena a noho i ko lākou home ʻohana. Inā kūʻai ʻoe i home ma kāu iho a ʻaʻohe ʻohana e hoʻomalu ai, a laila ʻaʻole like paha ka mea nui ʻo Mortgage Life Insurance. Inā makemake ʻoe e kiʻi i kahi manaʻo o ke kumukūʻai o Life Insurance, e hoʻokomo i kāu kikoʻī ma lalo a loaʻa i nā ʻōlelo ʻōlelo ʻo Mortgage Life Insurance ma ka pūnaewele mai nā mea hoʻokele 10 kiʻekiʻe o UK. Eia kekahi mau kumu kūpono ke kamaʻilio pū me mākou.
