Ehia na dala e hiki ia'u ke aie me ka moraki paa?
Ke hoʻokokoke aku ka mea hōʻaiʻē i kahi mea hāʻawi kālā a noi i ke kālā no kekahi kumu kūʻai a i ʻole no kahi kālepa ʻoihana, pono ka mea nāna e hōʻaiʻē e loiloi inā lawa ka mana o ka mea hōʻaiʻē e uku i ka hōʻaiʻē. Manaʻo ka hapa nui o nā mea hāʻawi kālā i nā koho ʻelua. ʻO ka mea mua, hiki i ka mea hāʻawi ke koi aku i ʻoi aku ma mua o hoʻokahi kanaka a i ʻole hui pūlima i ka palapala hoʻohiki like e kākoʻo ana i ka hōʻaiʻē. I kēia hihia, ʻoi aku ma mua o hoʻokahi mea hōʻaiʻē e ʻae e uku i ka hōʻaiʻē holoʻokoʻa. ʻO ka lua, koi ʻia ka mea ʻaʻole i hōʻaiʻē e hōʻoiaʻiʻo i ka uku ʻana i ka ʻaiʻē a ka mea hōʻaiʻē a/a i ʻole ka hoʻohiki ʻana i kekahi mea hōʻaiʻē i ka mea hāʻawi, hiki ke hōʻiliʻili ʻia e ka mea hāʻawi inā hōʻole ka mea ʻaiʻē i ka hōʻaiʻē. E uhi kēia ʻatikala i kekahi o nā ʻokoʻa ma waena o kēia mau koho.
ʻO ka lua o ka koho e pili ana i kahi kūlana kahi e "hōʻoia" ai ka mea ʻaiʻē ʻole i kekahi a i ʻole nā aie āpau a ka mea ʻaiʻē. Ua kapa ʻia ke kanaka a i ʻole hui e hōʻoiaʻiʻo i ka ʻaiʻē o ka mea hōʻaiʻē. ʻO kahi mea hōʻoia "ʻo ia ka mea nāna i hoʻohiki 'he hōʻoiaʻiʻo ia o kahi kumu a i ʻole ke kuleana mua ma ka ʻaoʻao o kekahi a nāna e hoʻopaʻa i ka mea ʻaiʻē i ka hana inā ʻaʻole ʻae ʻia ka ʻaoʻao o ka mea ʻē aʻe, ʻo ia ka mea nui e hoʻokō '" . Trebelhorn, 905 NW2d ma 243 (ua waiho ʻia nā ʻōlelo). ʻO ia hoʻi, e uku wale ka mea hōʻaiʻē i ka aie a ka mea hōʻaiʻē inā hōʻole ka mea hōʻaiʻē. Ma ka hiʻohiʻona i ʻōlelo ʻia aʻe nei, hiki i nā mākua makahiki hoʻomaha o kahi mahiʻai ʻōpio ke hōʻole i ka pilikia o ko lākou hoʻomaha holoʻokoʻa no ka mahiʻai hou a kā lākou keikikāne a kaikamahine. Eia nō naʻe, hiki i nā mākua ke hōʻoiaʻiʻo i ka uku ʻana i ka hapa a i ʻole ka pau o ka ʻaiʻē a ka mea mahiʻai inā ʻaʻole hiki i ka mea mahiʻai ke uku. Ma kēia kūlana, ʻo ka "primary" ke kuleana no ka hoʻihoʻi ʻana i ka ʻaiʻē, ʻo ia ka mea ʻōpio mahiʻai ʻaiʻē, a ʻo ka mea maʻamau, hiki i ka mea hōʻaiʻē ke hōʻiliʻili wale i ka ʻaiʻē mai nā mea hōʻoia inā hōʻole ka mea ʻaiʻē. No laila, ʻoi aku ka liʻiliʻi o ke kaumaha - a i ʻole ka liʻiliʻi liʻiliʻi o ka manawa - ka hōʻiliʻili ʻana i kahi ʻaiʻē mai kahi mea pūlima ma mua o ka mea hōʻoia.
moraki hoohiki
Laʻana – Ua noi ʻo Mom and Dad's Bank Joe no ke kālā kaʻa me ka hōʻoia o kona mau mākua ʻo Mike lāua ʻo Betty. ʻEiwa mahina ma hope mai, hoʻōki ʻo Joe i ka uku. Ua koi ʻia ʻo Mike lāua ʻo Betty e ka mea hāʻawi kālā e uku i kā Joe hōʻaiʻē kaʻa a me kahi hōʻaiʻē pilikino a lākou i ʻike ʻole ai. Ho'āʻo ʻo Mike e koi, akā ʻōlelo ka mea nāna e hāʻawi aku he hōʻoiaʻiʻo "nā aie āpau" e uhi i nā aie āpau a Joe. Waiho ʻo Betty i kahi hoʻopiʻi me ka ʻōnaehana hoʻoholo hoʻopaʻapaʻa a ka mea nāna e hāʻawi aku, a ʻike ʻia ʻaʻole i haʻi aku ka mea hāʻawi iā Mike lāua ʻo Betty e pili ana i ka hōʻaiʻē pilikino a i ʻole e hōʻoia i hiki iā lāua ke hōʻoia i kēia aie hou. Kauoha ka ʻōnaehana i ka mea hāʻawi kālā e hoʻopau i ka hōʻaiʻē. ʻO ia hoʻi, pono ʻo Mike lāua ʻo Betty e hoʻomau i ka uku ʻana i ka hōʻaiʻē kaʻa, akā ʻaʻole ʻo Joe ka hōʻaiʻē pilikino.
Pilikia uku1. E hoʻokaʻaʻike aku i ka mea hāʻawi kālā Inā hana hewa ka mea hāʻawi kālā, hiki iā ʻoe ke hoʻololi a hoʻopau paha i kāu hōʻaiʻē. Ma mua o kou hoʻopili ʻana, e heluhelu i kā mākou ʻike ma: Hiki i ke kākāʻōlelo kālā manuahi ke kōkua iā ʻoe e hoʻokaʻaʻike a kamaʻilio paha i ka mea hāʻawi iā ʻoe. E hoʻomaka ma ke kelepona ʻana i ka laina kōkua ʻo MoneyTalks manuahi
Nā kūlana no ka mea hōʻaiʻē hōʻaiʻē
Ua ʻoi aku ʻo Christy Rakoczy ma mua o 12 mau makahiki o ka ʻike e pili ana i nā hōʻaiʻē pilikino a me nā haumāna, ka hoʻolālā kālā, ka hoʻolālā kālā, a me nā mea hou aku. Ua paʻi ʻia ʻo ia e nā pūnaewele kālā kaulana e like me Nasdaq, LendingTree, Credit Karma, The Motley Fool, USA Today, a me nā mea hou aku. Ua noiʻi a kākau ʻo Christy i mau kaukani ʻatikala i kāna ʻoihana.
ʻO Andy Smith he Certified Financial Planner (CFP), laikini waiwai waiwai, a me ka mea hoʻonaʻauao me 35 mau makahiki o ka ʻike hoʻokele waiwai. He loea ʻo ia i ke kālā pilikino, kālā ʻoihana a me nā waiwai waiwai a ua kōkua i nā tausani o nā mea kūʻai aku e hoʻokō i kā lākou mau pahuhopu kālā i kāna ʻoihana.
He mea hoʻoponopono huaʻōlelo ʻo JR ma The Balance, kahi hana āna i kālele ai i ka hāʻawi ʻana i nā pane maopopo i nā nīnau maʻamau e pili ana i ke kālā pilikino a me ka ʻoihana liʻiliʻi. Aia ʻo JR ma mua o 10 mau makahiki o ka hōʻike, kākau a me ka ʻike hoʻoponopono. Ma ke ʻano he mea hoʻoponopono o The Balance, ua nānā ʻo ia, hoʻoponopono a hāʻawi ʻia i nā haneli o nā ʻatikala.
Hoʻoholo ka poʻe hāʻawi kālā i nā hōʻoia kālā o kahi mea hōʻaiʻē. Inā ʻaʻole hiki i ka mea hōʻaiʻē ke kūpono no ka hōʻaiʻē ma muli o kāna mōʻaukala aie, loaʻa kālā, makahiki, a i ʻole nā kumu ʻē aʻe, pono ke koi ʻia kahi mea hōʻoia.
Palena Makahiki
Pono e hāʻawi ka mea hāʻawi iā ʻoe i kekahi ʻike inā noi ʻoe ma ke kākau ʻana: no ka laʻana, ka nui i koi ʻia no ka uku piha i kēlā me kēia lā, a i ʻole nā kikoʻī o nā hoʻololi i hana ʻia i ka ʻaelike, a i ʻole ke kope o ka ʻaelike. He 15 mau lā ʻoihana ka mea hāʻawi aku e hāʻawi iā ʻoe i ka ʻike (a i ʻole he 15 mau lā ʻoihana ma hope o kou uku ʻana i nā uku kūpono i kau ʻia e ka mea hāʻawi, ʻo ia ka mea ma hope).
ʻAe pū kekahi poʻe Guarantors e hōʻoiaʻiʻo i ka aie e hiki mai ana i ka mea ʻaiʻē i ka mea hāʻawi. Inā ʻae ka mea hōʻaiʻē e hāʻawi kālā hou aku i ka mea hōʻaiʻē e pili ana ka hoʻopaʻa ʻana, pono ia e haʻi i ka mea hōʻoia i kēia i loko o ʻelima mau lā ʻoihana.
Pono ka mea hāʻawi e hāʻawi iā ʻoe, ka mea hōʻoia, me nā kikoʻī piha ma ke kākau ʻana i kekahi hoʻololi o ka ʻaelike hōʻaiʻē e hoʻonui ai i nā kuleana o ka mea ʻaiʻē a i ʻole e hōʻemi i ka manawa e uku ai ka mea ʻaiʻē i ka aie. Pono ka mea hāʻawi e hāʻawi iā ʻoe i kēia ʻike i loko o ʻelima mau lā ʻoihana ma hope o ka hoʻololi.
Inā ʻo ʻoe, ma ke ʻano he mea hōʻoia, ua kau i kekahi o kāu waiwai i mea hōʻaiʻē no ka ʻaiʻē o ka mea ʻaiʻē, aia kahi kaʻina paʻa e pono ai ka mea nāna e hāʻawi aku inā hewa ka mea ʻaiʻē a makemake ka mea hāʻawi e lawe i kāu waiwai ("garnishment") e uhi ai i ka ʻaiʻē. . Hoʻopili kēia i ka hāʻawi mua ʻana iā ʻoe i kahi "hoʻolaha hoʻolaha no ka lien" (e ʻike i ka "Repossession" ma kēia mokuna).
