Nā laʻana hoʻolaha paʻi liʻiliʻi
ʻO ka noi ʻana i kahi hōʻaiʻē ʻoihana a ʻae ʻia he hana lōʻihi. ʻOkoʻa ka manawa ʻae ʻia ma muli o ke ʻano o ka hōʻaiʻē, kona paʻakikī, a me ka manawa kūpono o ka mea ʻaiʻē i ka hāʻawi ʻana i ka ʻike e pono ai. Hiki iā mākou ke kōkua iā ʻoe e hōʻiliʻili i nā pepa kūpono, inā ʻoe e noi nei i kahi hōʻaiʻē SBA a i ʻole kahi hōʻaiʻē ʻoihana maʻamau.
Akā ʻo ka ʻike pono ʻana i kāu mea e kau inoa nei he mea nui ia e like me ka hoʻopuni ʻana i nā kikoʻī a hoʻopiha pololei i nā pepa. Inā ua kūʻai ʻoe i kaʻa a kāhāhā ʻoe i ka ʻike ʻana i nā mea laina ʻē aʻe e hōʻike ʻia ana ma kāu ʻōlelo pili kālā o kēlā me kēia mahina, e ʻike ʻoe i ka manaʻo. I ka hihia o nā ʻaelike hōʻaiʻē, ʻaʻole maʻalahi nā kikoʻī. ʻO ia ke kumu he mea koʻikoʻi e hoʻolohe i ka paʻi maikaʻi, i ʻike pinepine ʻia ma ka palapala hoʻohiki a i ʻole ka ʻāpana collateral o ka ʻaelike.
ʻO kekahi o nā huaʻōlelo koʻikoʻi e hoʻokumu i kahi ʻaelike hōʻaiʻē ʻaʻole i ʻike mau ʻia e like me kāu e manaʻo ai. ʻO ka paʻi maikaʻi, no ka laʻana, hiki ke komo i nā ʻenehana kikoʻī a paʻakikī, nā hōʻoia a i ʻole nā palena ʻaelike, a me nā ʻike koʻikoʻi e pili ana i nā ʻōlelo o ka hōʻaiʻē. ʻO nā mea e noʻonoʻo ai:
nā laʻana paʻi liʻiliʻi
Inā ʻo ke koho ʻana i ka moraki maikaʻi loa e pili ana i ka loaʻa ʻana o ka uku pānaʻi haʻahaʻa, ʻaʻole nui nā mea e like me aʻu e kamaʻilio ai. Ma hope o nā mea a pau, ʻaʻohe qualitative differentiation ka waiwai, ʻo ia ke kumu i ʻoi aku ka maikaʻi o hoʻokahi barela o ka momona momona māmā e like me ka mea aʻe. Akā ʻoi aku ka like o nā moraki e like me nā kaʻa kaʻa, no ka mea, ma nā hihia ʻelua, ʻaʻole hiki ke mahalo ʻia nā ʻokoʻa qualitative a hiki i ka wā lōʻihi. E nānā kāua i nā ʻāpana o ka paʻi maikaʻi āu e mālama ai a no ke aha.
Inā loaʻa iā ʻoe kahi moraki uku hoʻololi a hoʻoholo e laka i loko, he aha ka uku paʻa i ʻōlelo ʻia e kāu ʻaelike e hāʻawi ʻia ʻoe? E hāʻawi aku kahi hui o nā mea hāʻawi kālā iā ʻoe i kā lākou uku maikaʻi loa no kēlā me kēia manawa paʻa e like me ka lōʻihi o ka manawa i koe ma kāu moraki o kēia manawa. ʻO kekahi hui e hāʻawi iā ʻoe i kahi hoʻemi paʻa i kā lākou uku o kēia manawa, hiki ke liʻiliʻi e like me 1%. No ka hoʻohālikelike ʻana, he 1% ka uku hoʻemi 5,25% ma ka helu paʻa ʻelima makahiki i kēia manawa ke hoʻohālikelike ʻia me ka helu o kēia manawa o 4,35% a ka hui mua e hāʻawi ai. Ma kahi moraki $300.000, he ʻokoʻa kēlā o $150 o ka mahina ma ka ukupanee.
Ka Laʻana Hoʻolele Paʻi Liʻiliʻi
ʻO "Paʻi maikaʻi" kahi huaʻōlelo e pili ana i nā ʻōlelo a me nā kūlana o kahi ʻaelike, hōʻike ʻana, a i ʻole nā ʻike koʻikoʻi ʻē aʻe ʻaʻole i hoʻokomo ʻia i loko o ke kino nui o kahi palapala, akā waiho ʻia ma nā footnote a i kahi palapala hoʻohui.
He mea nui ka heluhelu ʻana a me ka hoʻomaopopo ʻana i ka paʻi maikaʻi i ke kau inoa ʻana i kahi ʻaelike. Loaʻa pinepine ka ʻike i makemake ʻole ka mea hoʻouna e lawe i ka manaʻo o ka mea lawe, akā he mea nui ia no ka mea e ʻike ai.
Hāʻawi ka paʻi maikaʻi i nā ʻike hou aʻe e pili ana i mea nui e hoʻomaopopo i ka ʻaelike holoʻokoʻa a i ʻole ka ʻike i hāʻawi ʻia. I kekahi manawa ʻaʻole i manaʻo ʻia ka paʻi maikaʻi ʻana, no laila, kanu nā mea kākau ʻaelike ma mua o ka waiho ʻana i mua a i waena, e paʻakikī a maopopo ʻole i ke kanaka ke ʻike i kā lākou pūlima.
No ka laʻana, hiki i ke kanaka ke komo i kahi hale haʻuki a, ma hope o ʻekolu mahina me ka ʻole o ka hoʻohana ʻana, hoʻoholo e hoʻopau iā ia i ʻole e hoʻopau i kā lākou kālā. Ke hele ʻoe e kāpae, haʻi ʻia ʻoe he aelike kāu kau inoa no 12 mahina, kahi ʻōlelo i hoʻokomo ʻia i loko o ka paʻi maikaʻi akā ʻaʻole i hōʻike maopopo ʻia i kēlā me kēia i ko lākou pūlima ʻana i ka ʻaelike.
Kiʻi Haʻina o ka bila moraki liʻiliʻi
Ua ho'āʻo paha ʻoe e hoʻohana i kahi coupon i loko o kahi hale kūʻai wale nō e haʻi ʻia ʻaʻole pono ia no kāu mau mea? ʻAʻole maikaʻi ka manaʻo. ʻO ia kou manaʻo ke kau inoa ʻoe i kahi ʻaelike e kūʻai i kaʻa a hale paha. A laila ʻike ʻoe aia nā uku huna a me nā kūlana i loko o ka paʻi maikaʻi no nā mea e like me ka hōʻaiʻē mua. He mea paʻakikī loa: manaʻo nā hui iā ʻoe ʻaʻole heluhelu i ka paʻi maikaʻi ma nā ʻaelike a hoʻohana i kēlā mau huaʻōlelo e ʻoki iā ʻoe.
ʻO ka paʻi maikaʻi, ʻike ʻia hoʻi ʻo ka paʻi ʻiole, ʻo ia ka paʻi liʻiliʻi i loaʻa ma lalo o nā ʻaelike. ʻO ke ʻano nui loa a hiki ke heluhelu ʻia, ʻo ia nā huaʻōlelo kumu o kahi kuʻikahi, e like me "20% o nā huahana nani i koho ʻia" a i ʻole "He $1.300 ka hoʻolimalima i ka mahina." ʻO ka paʻi maikaʻi kahi i wehewehe ʻia ai ka hana maoli, e like me "ʻAʻole kūpono i nā huahana Cover Girl" a i ʻole "Heat, gas, a me ka uila ʻaʻole i hoʻokomo ʻia." ʻO ka paʻi maikaʻi kahi āu e makaʻala ai no ka mea ma laila kahi e hūnā ai nā ʻaelike i nā uku kumukūʻai a me nā ʻōlelo, akā ʻo 1 wale nō i ka 1.000 o mākou e hopohopo nei e heluhelu.
ʻO ka pale ʻana i ka heluhelu ʻana i ka paʻi maikaʻi hiki ke alakaʻi i nā kuhi hewa. ʻAʻole paha ʻoe e ʻike i ka mea i hūnā ʻia i loko o kāu moraki e pili ana i nā uku a me nā ʻauhau ʻaha kūkā, kāu ʻinikua e pili ana i ka nui o kou uhi ʻia, kāu ʻaelike hoʻolimalima e pili ana i nā poho, a i ʻole kāu ʻaelike kāleka hōʻaiʻē e pili ana i kāu APR. Ua kākau ʻo Caroline Mayer o Forbes magazine i kahi ʻatikala nui e pili ana i kāna nīnauele me David Cay Johnston, ka mea kākau o The Fine Print: How Big Companies Use "Plain English" and Other Tricks to Rob You Blind. ) e pili ana i nā hana hoʻopunipuni i hoʻohana ʻia no ka hoʻopunipuni ʻana iā ʻoe, a pehea e ulu aʻe ai.