Pehea ka lōʻihi e loaʻa ai ke kuleana o ka hale ma hope o ka uku ʻana i ka moraki?
Ua ʻike paha ʻoe he ʻokoʻa ma waena o kāu mea hāʻawi kālā a me kāu mea lawelawe? ʻO ka mea hāʻawi kālā ʻo ia ka hui āu e hāʻawi kālā ai, ʻo ka mea maʻamau i kahi panakō, hui ʻaiʻē, a i ʻole hui moraki. Ke loaʻa iā ʻoe kahi hōʻaiʻē home, kau inoa ʻoe i kahi ʻaelike a ʻae e uku i ka mea hāʻawi.
ʻO ka luna hoʻomalu ka hui nāna e mālama i ka mālama ʻana i kēlā me kēia lā o kāu moʻokāki. I kekahi manawa ʻo ka mea hāʻawi kālā hoʻi ka mea lawelawe. Akā pinepine, hoʻonohonoho ka mea hāʻawi i kahi hui ʻē aʻe e hana ma ke ʻano he luna. He mea nui e ʻike i kāu mea lawelawe moraki no ka mea ʻo ia ka hui
ʻO ka maʻamau, pono ka luna hoʻoponopono e hōʻaiʻē i kāu moʻokāki i ka lā āu e loaʻa ai. Ma ia ala, ʻaʻole pono ʻoe e uku i nā uku hou aku, a ʻaʻole e hōʻike lohi ka uku i ka mea hāʻawi. Hōʻike ʻia nā uku hope ma kāu hōʻike hōʻaiʻē a hiki ke hoʻopilikia i kou hiki ke loaʻa ka hōʻaiʻē i ka wā e hiki mai ana. ʻO ka nui o nā uku lohi hiki ke alakaʻi i ka paʻamau a me ka paʻa.
E nānā i nā leka a pau, nā leka uila, a me nā ʻōlelo ke loaʻa iā ʻoe mai kāu mea lawelawe moraki. E hōʻoia i kāu mau moʻolelo e like me kāu. Pono ka hapa nui o nā luna hoʻomalu (koe ka mea liʻiliʻi loa) e hāʻawi iā ʻoe i kahi puke coupon (pinepine i kēlā me kēia makahiki) a i ʻole he ʻōlelo i kēlā me kēia pōʻai kālā (pinepine i kēlā me kēia mahina). Pono nā mea lawelawe e hoʻouna i nā ʻōlelo maʻamau i nā mea hōʻaiʻē āpau me nā moraki hiki ke hoʻololi ʻia, ʻoiai inā koho lākou e hoʻouna iā lākou i nā puke coupon.
No ke aha ʻaʻole ʻoe e uku i kāu moraki
Ua kākau ʻo Miriam Caldwell e pili ana i ka waihona kālā a me nā kumu kālā pilikino mai ka makahiki 2005. Aʻo ʻo ia i ke kākau ʻana ma ke ʻano he kumu aʻoaʻo pūnaewele ma Brigham Young University-Idaho, a he kumu no nā haumāna kula aupuni ma Cary, North Carolina.
He loea ʻo Peggy James i ka moʻohelu kālā, ʻoihana kālā, a me ke kālā pilikino. He mea helu helu lehulehu ʻo ia nona kāna keʻena helu helu ponoʻī, e lawelawe ana i nā ʻoihana liʻiliʻi, nā waiwai ʻole, nā mea kūʻokoʻa, nā manuahi, a me nā poʻe.
ʻOkoʻa ka hāʻule ʻana ma hope o kāu uku moraki mai ka uku ʻole ʻana i kāu hoʻolimalima, no ka mea hiki ke loaʻa ka hopena nui i kāu helu ʻaiʻē. Hiki iā ʻoe ke waiho i kou home i ka pōʻino inā ʻaʻole hiki iā ʻoe ke uku i ka aie. Eia nō naʻe, loaʻa iā ʻoe nā koho he nui: mai kahi ʻaelike hoʻomanawanui, hiki iā ʻoe ke hāʻawi i kahi manawa e hoʻoponopono ai i nā mea, i kahi palapala-i-lieu o ka paʻa ʻana inā ʻaʻole hiki iā ʻoe ke mālama i ke kūlana.
E hoʻokaʻaʻike koke i kāu hui moraki e ʻike inā loaʻa kekahi papahana e kōkua iā ʻoe. Hiki paha iā ʻoe ke hoʻemi i ka uku no ka manawa pōkole a i ʻole ka hoʻihoʻi kālā haʻahaʻa, ma muli o kou wahi e noho ai a inā paha ʻoe ma hope o kāu hōʻaiʻē.
Nā pōmaikaʻi o ka hale i uku ʻia
ʻOiai ʻo ka uku pānaʻi haʻahaʻa o nā moraki e paipai i ka poʻe nona ka hale e hoʻoponopono hou i kā lākou kālā, pono e hoʻoholo ʻia e hoʻihoʻi hou i kāu moraki ma muli o kou kūlana kālā pilikino. ʻAʻole pono nā uku moraki o kēia pule ke kumu hoʻoholo no ka hoʻoholo ʻana inā e hoʻolimalima hou a ʻaʻole paha.
ʻO ka mea mua āu e nānā ai ʻo ka helu ʻana i ka waiwai o kou home. Inā ʻoi aku ka liʻiliʻi o kou home ma mua o ka wā i hoʻomaka ai ʻoe i kāu moraki-i ʻike ʻia ʻo ke kaulike maikaʻi ʻole-a laila ʻaʻohe mea e hoʻolilo hou i kāu moraki.
'O ia ho'i, ua emi nui ka heluna o nā mea nona ka waiwai kaulike i ka makahiki i hala. I ka hapaha lua o 2020, 1,8 miliona mau hale - a i ʻole 3,3% o nā waiwai i moraki ʻia - aia i loko o ke kaulike maikaʻi ʻole. Ua hāʻule kēia helu e 30%, a i ʻole 520.000 mau waiwai, i ka hapaha lua o 2021.
Eia nō naʻe, ʻaʻole i loaʻa hou ka waiwai o kekahi mau hale, a ʻaʻole liʻiliʻi ka waiwai o kekahi mau mea hale. ʻAʻole hiki ke hoʻolimalima hou me ka liʻiliʻi a i ʻole ke kaulike me nā mea hāʻawi maʻamau. Eia naʻe, aia kekahi mau papahana aupuni. ʻO ke ala maikaʻi loa e ʻike ai inā kūpono ʻoe i kahi papahana ʻo ke kipa ʻana i kahi mea hāʻawi kālā a kūkākūkā i kāu pono pilikino. ʻOi aku ka maʻalahi o ka loaʻa ʻana o kahi hōʻaiʻē hou i nā mea hale me ka liʻiliʻi he 20% equity.
hale i keia manawa he aha
Inā pilikia ʻoe i ka uku ʻana i ka moraki ʻelua a i ʻole ka hōʻaiʻē ʻē aʻe kahi i hoʻohana ʻia ai kāu waiwai i mea hōʻaiʻē, pono ʻoe e ʻimi i ka ʻōlelo aʻoaʻo mai kahi kākā'ōlelo aie akamai. Hiki iā ʻoe ke loaʻa ka ʻōlelo aʻoaʻo ma ke keʻena lawelawe kamaʻāina.
Ua ʻōlelo nā lula e pono e mālama pono ka mea hōʻaiʻē moraki iā ʻoe a hāʻawi iā ʻoe i kahi manawa kūpono e ʻae ai e uku i ka ʻaiʻē, inā hiki iā ʻoe ke hana pēlā. Pono ʻoe e hoʻokō i kekahi noi kūpono āu e hoʻololi ai i ka manawa a i ʻole ke ʻano o ka uku ʻana i kāu moraki. Inā lawe ʻia kāu moraki ma mua o ʻOkakopa 2004, pono ka mea hāʻawi e mālama i ke code i loaʻa i kēlā manawa.
Inā manaʻo ʻoe ua mālama maikaʻi kāu mea hāʻawi i kāu hihia, pono ʻoe e kūkākūkā me kāu mea hāʻawi. Inā koho ʻoe e waiho i kahi hoʻopiʻi maʻamau, pono kāu mea hāʻawi e hōʻoia i ka loaʻa ʻana o kāu hoʻopiʻi i loko o 5 mau lā ʻoihana.
Inā ua nalo koke ʻoe i kāu hana a i ʻole kāu loaʻa kālā, e nānā inā loaʻa iā ʻoe ka ʻinikua palekana uku moraki. Ua kūʻai paha ʻoe i kahi kulekele i ka wā i loaʻa ai kāu moraki a i ʻole ma hope. ʻAʻole hiki ke lawe ʻia ka ʻinikua e ka mea hāʻawi.
