Nā mea hoʻolako moraki no ka ʻinikua hana ʻole
He loea kālā ʻo Miranda Marquit nāna i kākau i mau kaukani ʻatikala e pili ana i ke kālā mai 2006. Ua hāʻawi ʻo ia i ka The Balance, Forbes, Marketwatch, a me NPR, a ua loaʻa iā ia kahi makana Plutus no kāna hana ma ke ʻano he mea hāʻawi manuahi. He kēkelē laeoʻo ko Miranda ma ka nūpepa mai Syracuse University a he MBA mai ke Kulanui o Utah.
He loea ʻo Cierra Murry i ka panakō, kāleka hōʻaiʻē, hoʻopukapuka kālā, hōʻaiʻē, moraki a me ka waiwai paʻa. He ʻōlelo aʻoaʻo panakō ʻo ia, he mea hoʻopaʻa inoa hōʻaiʻē a me ka mea hoʻoponopono me ka ʻoi aku o 15 mau makahiki o ka ʻike ma ka loiloi kālā, underwriting, palapala hōʻaiʻē, loiloi hōʻaiʻē, hoʻokō panakō a me ka hoʻokele pilikia hōʻaiʻē.
ʻO ka loaʻa ʻana o ka pale hana ʻole hiki ke hāʻawi iā ʻoe i ka maluhia o ka noʻonoʻo a pale i kāu helu ʻaiʻē ma ka pale ʻana iā ʻoe mai ka hana ʻole. Eia nō naʻe, hiki ke uku ʻia ka palekana no ka hana ʻole. Eia kekahi, inā hoʻohui ʻoe i ka ʻinikua i kāu hōʻaiʻē, e uku paha ʻoe i ka uku paneʻe ma ka uku inikua, kahi e hoʻonui ai i ka huina o ka hōʻaiʻē. No laila, ʻaʻole kūpono ka pale hana ʻole no kēlā me kēia kanaka.
Moraki me ka hana ole aka me ka waiho nui
Ke hāʻule ka waiwai o nā waiwai, ʻaʻole hiki i nā mea nona nā hōʻaiʻē paʻa i kahi kūlana enviable. Eia nō naʻe, loaʻa iā lākou ka mana monopoly ma luna o kā lākou poʻe ʻaiʻē i loaʻa ʻole iā lākou i ka wā e hōʻaiʻē ai ka poʻe ʻaiʻē. Hoʻonui ka poʻe hāʻawi kālā i ka loaʻa kālā ma o ka hoʻokae ʻana i ke kumukūʻai, akā hana i nā kumukūʻai make ma ke kaʻina hana. Mai ka manaʻo o ka mākeke hana hōʻuluʻulu, me he mea lā ua hoʻohana ka poʻe hāʻawi kālā i kā lākou ʻauhau loaʻa hana ponoʻī, me ka hoʻohui ʻana i nā ʻauhau i ʻohi ʻia e nā waihona aupuni. He manaʻo ko nā aupuni e hoʻoponopono i ka hoʻokae ʻana i kēia kumukūʻai, e hōʻole i kekahi o ka ʻaiʻē pilikino, e hoʻohaʻahaʻa i kā lākou mau ʻauhau ponoʻī, a i ʻole e kūʻai i ka ʻaiʻē iā lākou iho. Hiki i kēia mau kūlana ke wehewehe i nā makahiki 30 a me nā hanana waiwai o kēia manawa.
ʻinikua moraki ʻole hana
Hiki ke kōkua ka ʻinikua hōʻaiʻē i ka pale ʻana i kahi hōʻaiʻē pilikino ma o ka uhi ʻana i kāu uku hōʻaiʻē mahina inā lilo ʻoe i mea hana ʻole a kīnā ʻole paha, a i ʻole ma ka uku ʻana i nā mea āpau a i ʻole hapa o ka hōʻaiʻē inā make ʻoe. Akā, hiki ke pipiʻi ka ʻinikua hōʻaiʻē, a ʻaʻole pono paha inā loaʻa iā ʻoe ka ʻinikua ola a i ʻole ke kino kīnā. E ʻike hou aʻe e pili ana i ka hana ʻinikua hōʻaiʻē a inā pono ke kūʻai.
Palapala hoʻoponopono: Loaʻa iā Credit Karma ka uku mai nā mea hoʻolaha ʻaoʻao ʻekolu, akā ʻaʻole pili ia i ka manaʻo o kā mākou mea hoʻoponopono. ʻAʻole loiloi kā mākou mea hoʻolaha, ʻae a kākoʻo i kā mākou ʻike hoʻoponopono. He pololei ia i ko mākou ʻike a me ko mākou manaʻoʻiʻo ke paʻi ʻia.
Manaʻo mākou he mea nui iā ʻoe ke hoʻomaopopo i ke ʻano o ka loaʻa kālā. ʻOiaʻiʻo, maʻalahi loa. ʻO nā hāʻawi o nā huahana kālā āu e ʻike ai ma kā mākou kahua mai nā hui e uku mai iā mākou. ʻO ke kālā i loaʻa iā mākou e kōkua iā mākou e hāʻawi iā ʻoe i ka loaʻa ʻana o nā helu hōʻaiʻē manuahi a me nā hōʻike a kōkua iā mākou e hana i kā mākou mau mea hana hoʻonaʻauao maikaʻi loa.
Hiki i ka uku ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kā mākou kahua (a ma ke ʻano he aha). Akā, no ka mea maʻamau mākou e loaʻa kālā ke loaʻa ʻoe i kahi hāʻawi āu e makemake ai a kūʻai mai, hoʻāʻo mākou e hōʻike iā ʻoe i nā makana a mākou i manaʻo ai he kūpono ia no ʻoe. ʻO ia ke kumu e hāʻawi ai mākou i nā hiʻohiʻona e like me ka ʻae ʻana a me nā koho hoʻopakele.
ʻO nā mea hāʻawi kālā e ʻae i ka hana ʻole
Hōʻike ʻia nā palapala i koi ʻia no kēlā me kēia kumu kālā. Pono nā palapala e kākoʻo i ka mōʻaukala loaʻa, inā pili, a me ka nui, ka pinepine, a me ka lōʻihi o nā loaʻa. Eia hou, pono e loaʻa ka hōʻoia o ka loaʻa ʻana o ka loaʻa kālā e like me ke kulekele makahiki ʻae ʻia o nā palapala hōʻaiʻē, ke ʻole i hoʻokaʻawale ʻia ma lalo nei. E nānā i ka B1-1-03, Nā makahiki i ʻae ʻia o nā palapala hōʻaiʻē a me nā hoʻihoʻi ʻauhau Federal, no ka ʻike hou aku.
Nānā: ʻAʻole hiki ke hoʻohana ʻia nā kālā i loaʻa e ka mea ʻaiʻē ma ke ʻano o ke kālā virtual, e like me nā cryptocurcies. No kēlā mau ʻano o ka loaʻa kālā e koi ana i nā waiwai i koe e hoʻokumu i ka hoʻomau, ʻaʻole hiki ke loaʻa kēlā mau waiwai i ke ʻano o ke kālā virtual.
E nānā i ka mōʻaukala uku e hoʻoholo ai i ke kūpono no ka loaʻa kālā kūpono. I mea e ʻike ʻia ai ka loaʻa kālā paʻa, pono e loaʻa nā uku piha, mau a me ka manawa kūpono no ʻeono mahina a ʻoi aku paha. ʻAʻole hiki ke hoʻohana ʻia ka loaʻa kālā no ka liʻiliʻi ma mua o ʻeono mahina a ʻaʻole hiki ke hoʻohana ʻia no ka hoʻokō ʻana i ka mea ʻaiʻē no ka moraki. Eia kekahi, inā hoʻokaʻawale ʻole ʻia nā uku piha a ʻāpana paha, ʻaʻole ʻae ʻia ka loaʻa kālā e hoʻokō i ka mea ʻaiʻē.
