He aha ka pākēneka o kāu loaʻa kālā e hōʻike ai kāu moraki? Dave Ramsey
E hoʻohana i nā huaʻōlelo no ka ʻimi ʻana i kahi "huaʻōlelo pololei." Hoʻohui i kahi asterisk (*) i kahi huaʻōlelo huli e ʻike i nā ʻano like ʻole o ia mea (transp*, 32019R*). E hoʻohana i ka māka nīnau (?) ma kahi o ka huaʻōlelo hoʻokahi ma ka huaʻōlelo huli e ʻimi i nā ʻano like ʻole (ca?e finds case, cane, care).
COMMISSION SERVICES WORKING DOCUMENT Report on Belgium 2017 accompanying the document COMMUNICATION FROM THE COMMISSION TO THE EUROPEAN PARLIAMENT, THE COUNCIL, THE EUROPEAN CENTRAL BANK AND THE EUROGROUP 2017 European Semester: Assessment of structural and reformion results on structural and reformion results. o nā loiloi piha i hana ʻia ma lalo o Regulation (EU) No 1176/2011 {COM(2017) 90 hope} {SWD(2017) 67 hope iā SWD(2017) 93 hope}
PALAPALA HANA O KA Oihana Komisina Hoike ma Belgium 2017 me ka palapala COMMUNICATION FROM THE COMMISSION TO THE EUROPEAN PARLIAMENT, THE COUNCIL, THE EUROPEAN CENTRAL BANK AND THE EUROGROUPO 2017 European Semester: Assessment of correct imbalances of structural, macroeconomic prevention. a me nā hopena o nā loiloi piha i hana ʻia ma lalo o Regulation (EU) No 1176/2011 {COM(2017) 90 hope} {SWD(2017) 67 hope iā SWD(2017) 93 hope}
Kāleka ʻAiʻai ʻAmelika Hui Pū ʻIa
Akā, pehea e pili ana i nā mea hale e noho mau nei no ka wā lōʻihi? ʻO kēlā mau makahiki he 30 o ka uku ukupanee hiki ke hoʻomaka e like me ke kaumaha, ʻoi aku ka hoʻohālikelike ʻana i nā uku hōʻaiʻē o kēia manawa me nā uku uku haʻahaʻa.
Eia nō naʻe, me ka hoʻihoʻi kālā 15-makahiki, hiki iā ʻoe ke loaʻa ka uku uku haʻahaʻa a me kahi manawa hōʻaiʻē pōkole e uku wikiwiki ai i kāu moraki. Akā e hoʻomanaʻo i ka pōkole o ka manawa o kāu moraki, ʻoi aku ka kiʻekiʻe o nā uku o kēlā me kēia mahina.
Ma ka uku panee 5% ma luna o ʻehiku makahiki a me ʻehā mahina, e like ana kāu uku moraki i hoʻohuli hou ʻia he $135.000. ʻAʻole wale ʻo ia i mālama i $59.000 i ka ukupanee, akā loaʻa iā ia kahi waihona kālā hou ma hope o ka manawa hōʻaiʻē 30 makahiki.
ʻO kekahi o nā ala maʻalahi loa e hoʻonui i ka uku i kēlā me kēia makahiki ʻo ka uku ʻana i ka hapalua o kāu uku moraki i kēlā me kēia pule ʻelua ma mua o ka uku ʻana i ka huina piha i hoʻokahi mahina. ʻIke ʻia kēia ma ke ʻano he "uku ʻelua pule."
Eia naʻe, ʻaʻole hiki iā ʻoe ke hoʻomaka wale e uku i kēlā me kēia pule ʻelua. Hiki ke huikau kāu mea lawelawe hōʻaiʻē ma ka loaʻa ʻana o nā uku hapa a me nā uku ʻole. E kamaʻilio mua me kāu mea lawelawe hōʻaiʻē e ʻae i kēia hoʻolālā.
Loaʻa iaʻu he $70.000 i ka makahiki, ehia kaʻu e uku ai no kahi hale?
ʻO ka uku mua ʻana i kāu moraki hiki ke kōkua iā ʻoe e hoʻokō i ke kūpaʻa kālā a hiki ke mālama iā ʻoe i ke kālā i ka wā lōʻihi ma ka hōʻemi ʻana i ka uku uku. Eia kekahi mau ala e hiki ai iā ʻoe ke uku wikiwiki i kāu moraki:
ʻO ke ala ʻē aʻe e mālama ai i ke kālā ma ka ukupanee, ʻoiai e hōʻemi ana i ka manawa o ka hōʻaiʻē, ʻo ia ka uku ʻana i ka moraki. Inā ʻaʻole uku kāu mea hāʻawi aku i ka hoʻopaʻi no ka uku mua ʻana i kāu moraki, e noʻonoʻo i kēia mau kumu e uku mua ai i kāu moraki.
E hoʻomanaʻo wale e haʻi aku i kāu mea hāʻawi kālā e hoʻopili ʻia kāu mau uku keu i ke poʻo kumu, ʻaʻole ka ukupanee. A i ʻole, hiki i ka mea hāʻawi ke hoʻohana i nā uku i nā uku i hoʻonohonoho ʻia e hiki mai ana, ʻaʻole ia e mālama i ke kālā.
Eia kekahi, e hoʻāʻo e uku mua i ka hōʻaiʻē, ke kiʻekiʻe ka ukupanee. ʻAʻole paha ʻoe i ʻike, akā ʻo ka hapa nui o kāu uku mahina no nā makahiki mua e pili ana i ka uku, ʻaʻole ke kumu. A hoʻohui ʻia ka ukupanee, ʻo ia hoʻi, ʻo ka ukupanee o kēlā me kēia mahina e hoʻoholo ʻia e ka huina o ka ʻaiʻē (ke kumu a me ka ukupanee).
Pākēneka o ka loaʻa kālā no ka helu moraki
Inā ʻaʻole hiki iā ʻoe ke kūʻai i hale me ke kālā, aia ʻoe i kahi hui maikaʻi. Ma 2019, 86% o nā mea kūʻai hale i hoʻohana i kahi moraki e pani i ka ʻaelike, e like me ka National Association of Realtors. ʻOi aku kou ʻōpio, ʻoi aku ka nui o kou makemake i kahi moraki e kūʻai ai i home - a ʻoi aku ka nui o kou noʻonoʻo ʻana, "Ehia hale hiki iaʻu ke loaʻa?" ʻoiai ʻaʻole ʻoe i hele i ka ʻike.
ʻO ka loaʻa kālā ka mea maopopo loa i ka nui o ka home e hiki ai iā ʻoe ke loaʻa: ʻoi aku ka nui o kāu loaʻa, ʻoi aku ka nui o ka home āu e hiki ai ke loaʻa, pololei? ʻAe, ʻoi aku a emi mai paha; pili ia i ka hapa o kāu loaʻa kālā i uhi ʻia e nā uku ʻaiʻē.
Ke uku nei paha ʻoe i kahi hōʻaiʻē kaʻa, kāleka hōʻaiʻē, hōʻaiʻē pilikino, a i ʻole hōʻaiʻē haumāna. Ma ka liʻiliʻi loa, e hoʻohui ka poʻe hāʻawi kālā i nā uku ʻaiʻē a pau āu e hana ai no nā mahina he 10 aʻe aʻe. I kekahi manawa e hoʻokomo pū lākou i nā aie āu e uku ai no kekahi mau mahina hou inā pili nui kēlā mau uku i ka uku o ka moraki i hiki iā ʻoe ke loaʻa.
He aha inā inā loaʻa iā ʻoe kahi hōʻaiʻē haumāna i ka hoʻopanee a i ʻole ka hoʻomanawanui a ʻaʻole ʻoe e uku i kēia manawa? He nui ka poʻe kūʻai hale e haʻohaʻo i ka ʻike ʻana i nā mea hāʻawi kālā i kāu uku hōʻaiʻē haumāna e hiki mai ana i kāu uku ʻaiʻē mahina. Ma hope o nā mea a pau, ʻo ka hoʻopaneʻe a me ka hoʻomanawanui e hāʻawi wale i nā mea hōʻaiʻē i kahi hoʻopaneʻe pōkole, ʻoi aku ka pōkole ma mua o ka manawa o kā lākou moraki.
