He aha ke ala haʻahaʻa loa e loaʻa kālā ai ke kūʻai kaʻa?

Ke hoʻoholo hope loa ʻoe e kūʻai i kaʻa hou, nui nā koho e noʻonoʻo ai. ʻIke loa, pono ʻoe e noʻonoʻo i ke ʻano o ke kaʻa āu e makemake ai a me nā kumukūʻai kūpono i kāu kālā. He kuleana nui ke kālā kālā. Ma waena o ka uku hoʻohaʻahaʻa, ʻinikua, kāu uku mahina, a me ka mālama ʻana i hoʻonohonoho ʻia, nui ke kālā e lilo i kaʻa. ʻO ka hapa nui o nā poʻe e hoʻāʻo e mālama i ke kālā i nā wahi a lākou e hiki ai, a ʻo ke koho ʻana i kahi mea hāʻawi kālā he ʻāpana nui o ia. ʻO ka hapa nui o ka poʻe e lawe i kahi hōʻaiʻē mai kahi panakō, mea hāʻawi, a hoʻohana paha i nā koho kālā kālā. No laila ʻo wai ka mea ʻoi loa?

Pane maʻalahi: pili ia. Nui nā kumu e hoʻomalu ai i ke kumukūʻai a i ʻole ke kumukūʻai o nā mea hāʻawi kālā like ʻole.

• ʻO nā panakō ka mea hāʻawi haʻahaʻa loa. Nui nā panakō, a me nā uniona hōʻaiʻē, hāʻawi i ka uku panee ma lalo o 10% ma kā lākou hōʻaiʻē.

• ʻO ka maʻamau, ʻoi aku ka kiʻekiʻe o nā kumukūʻai o nā mea kūʻai aku ma mua o ka uku paneʻe panakō no ka mea he mea waena lākou. Hāʻawi lākou i ka uku panee a nā panakō e hāʻawi iā lākou. E like me ke kānāwai, ʻo ka awelika mark-up e pili ana i 2.5%. ʻO ka nui e hiki ai i ka mea kūʻai ke hoʻonui i ka uku paneʻe e mālama ʻia e ke aupuni.

• Akā, hana nā mea kūʻai aku i nā hana maikaʻi i kēlā me kēia manawa. Nui nā mea kūʻai aku i nā makana kūikawā kahi e hāʻawi ai lākou i ka 0% no kekahi manawa. ʻO ka uku ukupanee ʻole, ʻo ia ka uku haʻahaʻa loa no ke kaʻa no kahi manawa i ʻōlelo ʻia. ʻAʻole hiki iā ʻoe ke lanakila i kēia! ʻAʻole hiki i nā panakō a me nā mea hāʻawi kālā ʻē aʻe ke hāʻawi aku iā ʻoe i kahi pānaʻi haʻahaʻa haʻahaʻa no ka mea ʻaʻole hiki iā lākou ke loaʻa kālā ma ia ala. Ke loaʻa nei nā mea kūʻai aku ma ke kūʻai aku ʻana iā ʻoe i kahi kaʻa, no laila ʻo ka uku pānaʻi zero ka mea e hoʻoikaika ai e lawe iā ʻoe i ka mea kūʻai aku.

• Hiki ke kūkākūkā ʻia ka uku paneʻe kūʻai. ʻOiai ʻo ka uku pānaʻi ma ka mea kūʻai aku a me ka panakō e pili ana i nā helu hōʻaiʻē, loaʻa i ka mea kūʻai aku kahi leeway ma ka uku a lākou e uku ai iā ʻoe ma muli o ka markup. Inā hāʻawi lākou iā ʻoe i ka uku pānaʻi āu e makemake ʻole ai, hiki iā ʻoe ke haggle e puka i waho. Hoʻonohonoho ʻia ka uku panee bank a ʻaʻole hiki ke hoʻokuʻu ʻia mai ka hana ʻana pēlā.

• ʻOiai ʻo ka mea kūʻai aku he hale kūʻai hoʻokahi, e maʻalahi ka loaʻa ʻana o kahi hōʻaiʻē a me kahi kaʻa i ka manawa like, ʻo ka hapa nui o nā panakō a me nā uniona hōʻaiʻē e ʻae iā ʻoe e noi no kahi hōʻaiʻē ma ka pūnaewele i nā minuke.

• Hoʻopuka ka Bank Rate i ʻekolu mahina ma ka awelika o ka uku panee kaʻa. E kōkua kēia iā ʻoe e hoʻoholo inā kūpono ka uku e uku ʻia nei iā ʻoe.

ʻO ka loaʻa lōʻihi e pili ana i ka uku panee āu e loaʻa ai a me ka lōʻihi o ka lōʻihi. ʻOi aku ka maikaʻi o kāu helu ʻaiʻē, ʻoi aku ka maikaʻi o ka loaʻa ʻana o ka uku ukupanee maikaʻi. Hiki i nā uku kaʻa ke hoʻopau i 3 a 7 mau makahiki i ka nui loa, no laila ʻo ka uku haʻahaʻa haʻahaʻa ke kī i ka uku liʻiliʻi no ke kaʻa i ka wā lōʻihi. E lawe i kou manawa a e hana i kāu noiʻi ma mua o ka lele mua ʻana i ke kālā kaʻa. E makaʻala i nā hoʻolaha mai ka mea kūʻai aku a me kāu panakō. Hiki i ka manawa kūpono no kahi kūʻai ke hopena i ka mālama kālā i ka wā lōʻihi.