He kanaka ʻaʻole pono e lawe i ka ʻinikua waiwai.
Loaʻa iā mākou ka uku mai kekahi mau hoa hana i hōʻike ʻia ma kēia ʻaoʻao. ʻAʻole mākou i loiloi i nā huahana āpau a i ʻole nā hāʻawi. Hiki i ka uku ke hoʻololi i ke ʻano i hōʻike ʻia ai nā makana ma ka ʻaoʻao, akā ʻaʻole pili ʻia kā mākou mau manaʻo hoʻoponopono a me nā loiloi e ka uku.
Nui a i ʻole nā huahana āpau i hōʻike ʻia ma ʻaneʻi mai kā mākou mau hoa hana e uku iā mākou i ke kōmike. ʻO kēia ke ʻano o ka loaʻa kālā. Akā ʻo kā mākou pono hoʻoponopono e hōʻoia ʻaʻole i hoʻopili ʻia nā manaʻo o kā mākou poʻe loea e ka uku. Pili paha nā ʻōlelo i nā makana e hōʻike ʻia ana ma kēia ʻaoʻao.
ʻOi aku ka maikaʻi o ka ʻinikua home me ka ʻole o ka moraki?
E aʻo koke ka poʻe kūʻai hale e ʻimi kālā i kā lākou kūʻai ʻana i ka mea i ʻike mua ʻia e ka poʻe paʻa moraki: ʻO kāu panakō a ʻoihana moraki paha e koi aku i ka ʻinikua home. ʻO kēia no ka mea pono nā mea hāʻawi kālā e pale i kā lākou kālā. Inā pōʻino kou home i ke ahi a i ʻole i pōʻino nui ʻia e ka makani ʻino, ka puahiohio, a i ʻole nā pōʻino ʻē aʻe, mālama ka ʻinikua hale iā lākou (a ʻo ʻoe) mai ka pohō kālā.
Inā noho ʻoe ma kahi e kahe ana, e koi pū ana kāu panakō a i ʻole hui moraki iā ʻoe e kūʻai i ka ʻinikua wai. Pono paha kekahi mau ʻoihana kālā i ka uhi ōlaʻi inā ʻoe e noho ana ma kahi ʻāpana pilikia i ka hana seismic.
Inā kūʻai ʻoe i kahi hui a i ʻole condominium, ke kūʻai nei ʻoe i kahi hoihoi kālā i kahi hui nui. No laila, makemake paha ka papa alakaʻi o ka hui a i ʻole condominium iā ʻoe e kūʻai i ka ʻinikua nona ka hale e kōkua i ka mālama kālā i ka paʻakikī holoʻokoʻa i ka wā o kahi pōʻino a i ʻole ulia pōpilikia.
Ke uku ʻia ka moraki ma kou home, ʻaʻohe mea e koi iā ʻoe e lawe i ka ʻinikua home. Akā, ʻo kou home paha kāu waiwai nui loa, a ʻaʻole hoʻopaʻa wale ke kulekele o ka mea hale maʻamau i ka hale; Hoʻopili pū ia i kāu mau mea i ka wā o kahi pōʻino a hāʻawi i ka palekana kuleana i ka wā o ka hōʻeha a i ʻole ka hoʻopiʻi pōʻino waiwai.
I ka manawa hea ʻoe e loaʻa ai ka ʻinikua home?
ʻAʻole pono e huikau ka ʻinikua home me ka ʻinikua waikahe, ka ʻinikua moraki, a i ʻole ka ʻinikua ola mālama moraki. Eia kekahi, ʻaʻole e uku ke kulekele maʻamau no ka pōʻino o ke ōlaʻi a i ʻole ka lole maʻamau.
Pono nā mea hōʻaiʻē moraki i ka poʻe nona ka hale e loaʻa ka ʻinikua home. Nui nā kumu no kēia, akā ʻo ka mea nui loa ʻo ka makemake o kāu mea hāʻawi iā ʻoe e hiki a makemake e uku i kāu moraki ma hope o ka pōʻino pōʻino.
Ma hope o nā mea a pau, paʻakikī ka poʻe he nui e hoʻomau i ka uku ʻana i ka moraki ma kahi hale hiki ʻole iā lākou ke noho. Me ka ʻole o ka hale, liʻiliʻi ka waiwai o ka moraki. ʻO ka hoʻoweliweli o ka hoʻopaʻa ʻana he ʻano hakahaka inā ʻaʻohe hale noho e hoʻopaʻa a kūʻai aku.
He mea koʻikoʻi ʻoe e nānā i kāu kulekele ʻinikua hale i ka wā e wehe ai ʻoe i kahi escrow ma kahi kūʻai home. A pono e ʻae ʻia kāu kulekele i kāu mea hāʻawi aku, no laila e hoʻolako i ka ʻaoʻao hoʻolaha kulekele, a i ʻole "dec sheet," i ka hikiwawe.
E ʻōlelo mākou e kūʻai ʻoe i $300.000 home a me ke kumukūʻai pani o ka hale (hiki iā ʻoe ke loaʻa ma ka loiloi, akā hāʻawi ka mea hoʻolako i kāna kiʻi ponoʻī) he $200.000. Inā he $240.000 kāu hōʻaiʻē, e helu ʻoe i ka uhi e pono ai e like me kēia:
Hiki ke kūʻai ʻia ka hale me ka ʻole o ka ʻinikua?
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 maikaʻi 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.
