Nā nīnau e pili ana i ka hemo a me ka moraki
Inā noho ʻoe me kāu hoa, pono ʻoe e hoʻoholo i ka mea e hana ai me kou home ke kaʻawale ʻoe. ʻO nā koho i loaʻa iā ʻoe ma muli o ka male kāne ʻoe, male, a i ʻole ma kahi hui kūloko, a inā ʻoe e hoʻolimalima a nona paha kou home.
Inā ua ho'āʻo mua ʻoe e hana i nā mea me kāu ex a paʻakikī iā ʻoe, hiki iā ʻoe ke noi i ke kōkua e loaʻa i kahi ʻaelike. Hiki i kekahi loea i kapa ʻia ʻo "mediator" ke kōkua iā ʻoe a me kāu hoa o mua e ʻimi i kahi hopena me ka hele ʻole i ka ʻaha hoʻokolokolo.
ʻO ka mea maʻamau, inā haʻalele ʻoe i kou home, ʻaʻole e hāʻawi ka ʻaha kūkā iā ʻoe i ke kōkua hale no ka mea ua 'manaʻo ʻole ʻoe. ʻAʻole pili kēia inā ua haʻalele ʻoe i kou home no ka hoʻomāinoino ʻana i ka home.
Inā hoʻoholo ʻoe e hoʻopau i kāu hoʻolimalima a hoʻoneʻe paha i ka hale, manaʻo paha ka ʻaha kūkā nau ka hewa ʻaʻohe ou wahi e noho ai. ʻO kēia ka mea i kapa ʻia ʻo "intentional homeless". Inā manaʻo ka ʻaha kūkā he home ʻole ʻoe, ʻaʻole hiki iā lākou ke loaʻa iā ʻoe kahi hale lōʻihi.
Inā male ʻoe a he kāne de facto paha, aia iā ʻolua ke "kuleana i ka hale". ʻO ia ke ʻano hiki iā ʻoe ke noho i kou hale, ʻoiai inā ʻaʻole ʻoe iā ia a ʻaʻole i helu ʻia ma ka hoʻolimalima. Pono ʻoe e neʻe paʻa inā pau kāu male ʻana a i ʻole ka pilina pili home, a i ʻole ke kauoha ʻia e ka ʻaha, no ka laʻana, ma ke ʻano he ʻāpana o kāu hemo.
aelike hookaa moraki
ʻO ka hemo ʻana a i ʻole ka kaʻawale ʻana mai kahi hoa lōʻihi hiki ke lilo i mea ʻeha. Eia nō naʻe, inā loaʻa iā ʻoe a me kāu hoa pili mua i kahi moraki hui, hiki paha iā ʻoe ke hopohopo a pilihua paha i ka mea e hana ai. No ke kōkua ʻana iā ʻoe e hoʻomaopopo i ke kumu o ka mea e hana ai me kāu moraki i ka wā o ka hemo ʻana a i ʻole ka kaʻawale ʻana, ua hui pū mākou i kēia alakaʻi e hoʻomaʻamaʻa iki i nā mea a me ka manaʻolana e maʻalahi iki i nā mea a pau e pili ana.
ʻO ka mea mua, ʻo ka hapa nui o ka ʻike ma kēia alakaʻi e pili ana i nā pilikia e pili ana i kahi moraki hui me kāu hoa. Eia nō naʻe, ke hōʻike nei mākou i kekahi mau pilikia e hiki mai ana inā ʻo ka moraki ma kou home wale nō ma kou inoa a i ʻole ko kāu hoa pili, no laila hiki i nā poʻe ma kēia kūlana ke ʻike pono i kēia alakaʻi.
E hoʻokaʻaʻike i kāu mea hoʻolimalima moraki i ka hikiwawe a hōʻano hou iā lākou e pili ana i kou kūlana o kēia manawa, ʻoiai inā he pilikia ka uku. ʻOiaʻiʻo, ʻaʻole maikaʻi nā kaʻawale ʻana a pau, a ke hōʻole nei paha kāu hoa e uku i kā lākou ʻāpana o ka moraki hui a i ʻole he pilikia ʻē aʻe i kāu uku. Mai kali no ka hoʻomaka ʻana o ka nalo ʻana o ka moraki - e kelepona koke i kāu mea hāʻawi kālā a wehewehe i ke kūlana. ʻAʻole hiki i nā mea hōʻaiʻē ʻike ʻole i ke kumu o kā lākou hana hewa ʻole ke hana i kekahi mea e kōkua ai, a ʻo ka hapa nui e mahalo i ka hoʻolaha ʻana ma mua o nā pilikia e hiki mai ana.
ʻO ka moraki hui i uku ʻia e kekahi kanaka
Hiki i nā hoʻoholo i hana ʻia ma ka ʻaelike ke kōkua a hōʻeha paha iā ʻoe i ka hoʻoholo ʻana i ka nui o nā hale āu e hiki ai ke loaʻa. He mea koʻikoʻi ka helu ʻana i kāu loaʻa kālā a me nā lilo e hoʻomau nei, no ka mea hiki iā lākou ke hoʻololi inā hiki iā ʻoe ke hana i kahi uku hoʻohaʻahaʻa a uku no kahi moraki hou. Ma muli o ke kūlana, pono paha ʻoe e uku i nā uku loio, kākoʻo keiki, alimony, a i ʻole nā koina ʻē aʻe.
Inā he kuleana ʻoe no ka uku ʻana i kekahi waiwai i loaʻa iā ʻoe ma mua o ka hemo ʻana, ua komo ia i kāu DTI. ʻO ka mea ʻē aʻe, inā lawe kāu wahine i ka waiwai, hiki i kāu mea hāʻawi kālā ke kāpae i kēlā uku mai kāu mau kumu kūpono.
I ka wā e hemo ai nā kāne, hoʻopuka ka ʻaha i kahi ʻōlelo hoʻoholo male male (kahi i ʻike ʻia he hoʻoholo a kauoha paha) e puʻunaue ana i kā lākou kālā, nā aie, a me nā waiwai ʻē aʻe o ka male, e hoʻoholo ana i ka mea a kēlā me kēia kanaka ke kuleana no ka uku. ʻOi aku ka maikaʻi e hoʻokaʻawale i kāu kālā a me kāu kālā, no ka mea, pono e hōʻike pololei kāu helu ʻaiʻē i kāu kūlana kālā.
He mea nui hoʻi ka ʻike o ke kākoʻo keiki a i ʻole ka ʻaelike alimony. Inā ʻoe e uku i kāu ex, ua hoʻokomo ʻia lākou i kāu aie o kēlā me kēia mahina. Ma ka ʻaoʻao ʻē aʻe, inā hiki iā ʻoe ke hōʻike e loaʻa iā ʻoe nā uku o kēlā me kēia mahina e hoʻomau ʻia no kekahi manawa, hiki ke kōkua i kāu hōʻoia kālā.
He aha ka hopena inā ho'ōki ʻoe i ka uku ʻana i ka moraki a haʻalele?
Inā hoʻokaʻawale ʻoe mai kāu hoa pili a nona ka hale ma waena o ʻolua, ʻo kekahi o nā hoʻoholo kālā koʻikoʻi āu e hana ai ʻo ia ka hopena. E ʻike i kāu mea e hana ai a he aha kāu mau koho inā ʻaʻole ʻoe i male a i ʻole i loko o kahi hui kūloko.
Aia ʻoe i ka wā mua o ka hoʻokaʻawale ʻana a makemake ʻoe i ka ʻike e pili ana i ka pale ʻana i kou kuleana e noho ai i ka home? A laila, pono e heluhelu i kā mākou alakaʻi Ka pale ʻana i nā Kuleana Homeownership i ka wā kaʻawale inā he hoa pili ʻoe.
Ma ke ʻano he kāne e noho pū ana akā ʻaʻole i male a i ʻole i kahi pilina maʻamau, ʻaʻohe o lāua kuleana e kākoʻo iā lāua iho i ke kālā ma hope o ka haʻihaʻi ʻana. Akā ma ke ʻano he mau mākua, pono ʻoe e uku i nā lilo o kāu mau keiki.
ʻAʻole kēia manaʻo he kuleana a he hapa paha ka mea e noho ana i loko o ka hale, akā hiki iā lākou ke kuleana e noho i loko no kekahi mau makahiki. ʻO ka mea maʻamau a hiki i ke keiki muli loa i kekahi mau makahiki.
Ua uku ʻoe i ka moraki, nā hoʻomaikaʻi a i ʻole ka hoʻonui? I kēlā hihia, hiki iā ʻoe ke hoʻokumu i ka mea i kapa ʻia he "uku waiwai." Hiki paha iā ʻoe ke koi i kahi ʻāpana kālā o ka waiwai, a i ʻole ke kuleana e noho ai.
