pili ana
He poʻe akamai kā mākou mau moraki i nā kulekele o nā mea hāʻawi kālā ʻoi aku ma mua o 40, me nā panakō a me nā hui kālā kūikawā. ʻIke mākou i nā mea hāʻawi kālā e ʻae i kāu moraki, inā paha e uku no ka hemo ʻana a i ʻole ka hoʻoholo ʻāina.
ʻAʻole hiki iā ʻoe ke "lawe" a haʻalele paha i ka moraki. ʻOiai ma nā ʻāina ʻē aʻe hiki iā ʻoe ke lawe i ka moraki a haʻi a ʻoki paha i kekahi mai kahi ʻaelike moraki, ma Australia ʻaʻole ʻae ʻia kēia.
Loaʻa iā mākou ke komo i nā mea hāʻawi kālā kūikawā hiki ke noʻonoʻo i kou kūlana, ʻaʻole pili i ka nui o nā uku āu i hala! Eia naʻe, pono ʻoe e hōʻike ua hiki iā ʻoe ke uku i kēlā mau hoʻihoʻi inā ʻaʻole ʻoe i hana.
“… Ua hiki iā ia ke loaʻa koke iā mākou a me ka haʻahaʻa haʻahaʻa loa i kahi hōʻaiʻē ma ka uku ukupanee maikaʻi ke haʻi mai kekahi iā mākou he paʻakikī loa ia. Pīhoihoi loa i kā lākou lawelawe a makemake nui i nā loea mortgage i ka wā e hiki mai ana "
“… ua maʻalahi lākou i ke kaʻina noi a me ka hoʻoponopono ʻana a me ke kaumaha ʻole. Hāʻawi lākou i ka ʻike maopopo loa a pane koke lākou i nā nīnau. Ua maopopo loa lākou ma nā ʻano āpau o ke kaʻina hana. "
I ka leka uila lawelawe lawelawe
ʻO ka mea maʻamau, hiki iā ʻoe ke noi no kahi hōʻaiʻē home mua no ke kūʻai ʻana i hale a i ʻole kahi keʻena, ka hana hou ʻana, hoʻonui a me ka hoʻoponopono ʻana i kou home i kēia manawa. He kulekele ʻokoʻa ka hapa nui o nā panakō no ka poʻe e kūʻai ana i hale lua. E hoʻomanaʻo e nīnau i kāu panakō kalepa no nā wehewehe kikoʻī e pili ana i nā pilikia i luna.
E loiloi ana kāu panakō i kou hiki ke uku i ka wā e hoʻoholo ai i ka pono no ka hōʻaiʻē home. Hoʻokumu ʻia ka hiki ke hoʻihoʻi i kāu loaʻa kālā i hoʻopau ʻia i kēlā me kēia mahina, (e pili ana i nā kumu e like me ka huina o ka loaʻa kālā o kēlā me kēia mahina e hoʻemi ʻia nā lilo o kēlā me kēia mahina) a me nā mea ʻē aʻe e like me ka loaʻa kālā o ka hoa kāne, nā waiwai, nā aie, ka paʻa kālā, etc. ʻO ka manaʻo nui o ka panakō ʻo ka hōʻoia ʻana e uku ʻoluʻolu ʻoe i ka hōʻaiʻē i ka manawa a e hōʻoia i kona hoʻohana hope ʻana. ʻO ke kiʻekiʻe o ka loaʻa kālā o kēlā me kēia mahina, ʻoi aku ka kiʻekiʻe o ka nui o ka hōʻaiʻē e pono ai. ʻO ka maʻamau, manaʻo ka panakō ma kahi o 55-60% o kāu loaʻa kālā hoʻolimalima / koena i kēlā me kēia mahina no ka uku hōʻaiʻē. Eia nō naʻe, helu kekahi mau panakō i ka loaʻa kālā hoʻopau no ka uku EMI e pili ana i ka loaʻa kālā nui o ke kanaka a ʻaʻole kā lākou loaʻa kālā.
panakō
Ke kono nei mākou iā ʻoe e kipa i kahi polokalamu kele pūnaewele hou Ke hoʻohana nei ʻoe i kahi mana hou o Internet Explorer. Me kēia polokalamu kele pūnaewele Microsoft kahiko ʻaʻole maikaʻi nā mea a pau ma kā mākou pūnaewele. No laila, pono e hoʻohana i kahi polokalamu kele hou. E kala mai no ka hewa. He aha nā polokalamu kele pūnaewele e hana maikaʻi?
ʻO ke kūʻai ʻana i home ma Netherlands hiki ke lilo i kaʻina huikau, ʻoiai inā ʻaʻole ʻoe heluhelu i ka Dutch. He paʻakikī loa nā kulekele Bank a me nā lula ʻauhau a ʻaʻole maʻalahi ka loaʻa ʻana o ka ʻike maikaʻi ma ka ʻōlelo Pelekania e pili ana i ka loaʻa ʻana o kahi moraki ma Netherlands.
E like me kā mākou i ʻōlelo ai, hiki iā ʻoe ke lawe i kahi moraki ma o ke kākāʻōlelo panakō a i ʻole ka mea hoʻolimalima moraki. I ka wā ma mua, ua hoʻohewa pinepine ʻia nā mea kūʻai moraki no ke kūʻai aku ʻana i nā huahana me nā komisina kiʻekiʻe loa ma mua o nā huahana i maikaʻi loa no kā lākou mea kūʻai. I kēia lā, ʻaʻole hiki i nā mea hōʻaiʻē moraki ke uku hou aku i nā komisina i nā brokers. Akā, uku ʻoe i ka uku paʻa no ka ʻōlelo aʻoaʻo moraki. Hiki ke ʻokoʻa kēia mau uku, no laila pono ke kūʻai aku a puni. ʻO nā uku hou a me nā kumukūʻai ma ka huina, hiki ke piʻi i ka 6% o ke kumukūʻai kūʻai. ʻAʻole paʻa ka papa inoa ma lalo, akā he alakaʻi ia:
He mea pono anei ke wehe i ka inikua ola a me ka moraki hale? o ka manawa
ʻO nā hiʻohiʻona kulekele koʻikoʻi: Hāʻawi ke koho kulekele Woolies' Drive Less Pay Less i nā mea hoʻokele i ka uku uku ke hoʻonoho a noho lākou ma lalo o ka palena mile mile makahiki. Aia kekahi mau kumu kulekele kōkua me nā palena liʻiliʻi, me ka $500 no ka waiwai pilikino a hiki i $ 1.000 e pani i nā kī a me nā laka i ʻaihue ʻia. Eia kekahi, ke hāʻawi nei kēia kulekele i ka hoʻololi ʻana i kahi kaʻa hou no kahi kaʻa kahiko inā pau kāu huila (ʻoiai ʻoi aku ka liʻiliʻi o ke kaʻa ma mua o ʻelua mau makahiki), a aia ka uku hoʻemi a hiki i ka 15% ma ka mea mua. uku makahiki inā noi ʻoe iā ia ma ka pūnaewele.
ʻO nā hiʻohiʻona nui o ke kulekele: He nui nā koho maʻalahi i ke kulekele ʻo Youi e hiki iā ʻoe ke ʻimi no ke kumukūʻai kūpono. Ma kahi pilikia, hiki iā ʻoe ke komo i ka $1.000 e uhi i ka hoʻoponopono ʻana me ka ʻole e loiloi ʻia e ka inikua, a i ʻole e koho e hoʻohana i kēlā mau kālā no ka noho ʻana a me ka huakaʻi inā ʻoi aku ʻoe ma mua o 100 km mai ka home. Hoʻokomo pū ʻia ke kōkua ma ke alanui ma ke ʻano maʻamau i kēia kulekele. Hiki iā ʻoe ke hoʻi ma ke alanui ma hope o ka ʻaihue a i ʻole ka hewa hewa ʻole me ka uhi hoʻolimalima kaʻa o Youi (a hiki i 14 mau lā). Hāʻawi pū ʻo Youi i kahi kaʻa hou inā ʻino kāu kaʻa a ʻoi aku ka liʻiliʻi ma mua o ʻelua makahiki a kūʻai ʻoe i ke kaʻa hou a i ʻole he kumu hoʻohālike demo mai ka mea kūʻai aku.
