Pehea mākou e kū ai i nā nalowale e wehewehe iā mākou ma ke ʻano he kālepa
Eʻoiaʻiʻo ʻaʻole e hauʻoli maoli kekahi o mākou i ka manaʻo o ka nalo ʻana i nā mea āpau a mākou e hoʻāʻo ai, inā he haʻuki hoʻokūkū paha ia, kahi pāʻani, a i ʻole 'beting' ma nā mākeke. Eia nō naʻe, hoʻokahi mea no ke kālepa ʻana, a i ʻole ke pili ʻana ma nā mākeke, e lilo ana mākou a e lilo pinepine ana mākou. No laila, (ma hope o ko mākou manawa o ka haumana) pono mākou, ma hope koke o, e hoʻomohala i nā mea a mākou e kapa ai he "coping mechanicals" no nā pohō hiki ʻole ke hoʻomanawanui.
I ka ʻimi ʻana o ka ʻōnaehana nalo ʻole
I ko mākou mau lā mua, i ka manawa a mākou i ʻike ai i kēia ʻoihana, ʻike pinepine mākou i ka hoʻāʻo ʻana e ʻike i ka ʻōnaehana kālepa maikaʻi loa a i loko o kā mākou naīveté manaʻo mākou ʻo kēlā ʻōnaehana kahi mea kokoke i nā nalo poho. Hiki iā mākou ke lilo i mau mahina i ka mua, ʻoi aku i hoʻokahi makahiki, e ʻimi nei i kēlā ʻōnaehana 'ʻole pohō' kūikawā ke ʻole ka ʻoiaʻiʻo o kēlā ʻōnaehana kālepa. ʻO ia paha ke alahaka nui loa a mākou e hele ai ke ʻae mākou i ka lilo ʻana o nā pohō i ʻāpana alo ʻole o ka hana ʻana i kēia ʻoihana.
"Hiki iaʻu ke ʻae i nā nalo he hewa ia ʻaʻole hiki iaʻu ke hoʻomanawanui"
ʻO ka hoʻolālā ʻana i nā ʻoihana a me ke kālepa ʻana i ka hoʻolālā he mantra ia e ʻike pinepine ai mākou i nā blog a me nā kolamu like ʻole a me nā kolamu like ʻole, akā ehia mākou e hana maoli nei i kahi hoʻolālā, ehia o mākou i hana i kā mākou puke pai kālepa i kahi hoʻolālā kālepa ? Inā loaʻa iā mākou e kaupalena ʻia i nā hemahema hiki ke hana ʻia, ʻoiaʻiʻo ʻaʻohe hemahema inā pili mākou i kā mākou hoʻolālā.
He mea nui e hoʻokahakaha ʻaʻole hewa nā nalowale; hiki iā mākou ke komo i ka manawa e hoʻonohonoho ai kā mākou kūlana kiʻekiʻe a laila mālama i ke kālepa a me kā mākou mau mea i manaʻo ai. ʻAʻole hiki iā mākou ke wānana i kā mākou nalo akā hiki iā mākou ke wehewehe i kahi lihi e pili ana i ka likelika o ka hoʻokaʻawale ma waena o nā poho a me nā loaʻa.
ʻAʻole hiki ke pale i nā kūlana i lilo i nā nalowale
Ke hoʻomaka nei mākou e ʻae i nā mea hiki iā mākou a me nā mea hiki ʻole iā mākou ke kaohi i kā mākou kālepa ʻana hoʻomaka mākou e ʻike i ke koʻikoʻi o nā mea hiki i kā mākou kālepa ʻana. No ka maikaʻi a me ka maikaʻi o kā mākou kūlana kiʻekiʻe i hoʻonohonoho ʻia ʻaʻole hiki iā mākou ke wānana, me ke ʻano o ka maopopo, he aha ka haʻihaʻi ma waena o kā mākou mau eo a me nā mea lanakila.
Hiki iā mākou ke ʻae i ka pālua o nā hanana ʻoi loa a maikaʻi loa; hiki iā mākou ke ʻae i ka ʻoi aku ka maikaʻi a me ka maikaʻi ʻole hiki iā mākou ke wānana e loaʻa kālā paha he 50:50 breakdown ma waena o nā mea lanakila a me nā eo inā loaʻa ka lanakila pip lanakila ma mua o kā mākou pohō. Hoʻokahi mea i maopopo inā inā mākou e lawe i kahi ʻano actuarial a me ka forensic e pili ana i kā mākou kālepa ʻana, papa inoa i nā mea āpau i kā mākou hoʻolālā a hoʻomaka e nānā iā ia e pili ana i nā mea hiki, aia mākou ma ke ala kūpono i ka kūleʻa.
Nui loa ka poʻe kālepa e hopohopo nei me nā lanakila a me nā eo ke lilo ka nānā pono i ka loaʻa kālā
Heluhelu ia e like me kahi ʻōlelo maʻalahi akā he ʻoiaʻiʻo he nui loa ka poʻe o mākou e hopohopo nei no ka lākiō ʻana o ka lanakila ma mua o ka mea a mākou e komo ai i kēia kahua hoʻokūkū a paʻakikī hoʻi no; e loaʻa kālā. E ʻike ka poʻe heluhelu maʻamau o kā mākou kolamu i ka hana a mākou e hoʻohana ai i kahi 50:50 lanakila lākiō i kā mākou mau laʻana a hana mākou i kēia no kekahi kumu. ʻO ka hapanui o nā mea kālepa hou e hele mai nei i kēia ʻoihana he paʻakikī e ʻae i ka lākiō o ka lanakila lanakila i haʻahaʻa hiki ke loaʻa kālā akā ʻo kēia pae pae o ka hoʻihoʻi i ka ʻoiaʻiʻo ke kumu kūpono mai kahi e kūkulu ai i kahi ʻano kālepa kūpono kūpono a me ka hoʻolālā holoʻokoʻa. .
ʻO nā poho wale nō ka mea i hiki i kahi mea kālepa ke loaʻa ka mana piha
ʻAʻole hiki ke hoʻonui ʻia i ke kālepa ʻana e noʻonoʻo ai a pāpālua i kā mākou mau hana i nā mea i loko o kā mākou kaohi. Hiki iā mākou ke kaohi i ka makaʻu no kēlā me kēia kālepa a mākou e hoʻoholo ai. Hiki iā mākou ke kaohi i kā mākou makaʻu i kā mākou kālepa (i hoʻokahi manawa ola) ma ke ala o ke kū, ke kū ʻana o ke kūʻē ʻana a i ʻole nā ʻano ʻē aʻe. Hiki iā mākou ke kaohi i ko mākou naʻau a hiki iā mākou ke kaohi i ke komo. ʻIke maopopo ʻaʻole hiki iā mākou ke kaohi i ka mākeke no laila pono mākou e hāʻawi wale i ka mākeke iā mākou i nā loaʻa a me nā poho i loaʻa a ʻaʻole hoʻi e hoʻokaumaha i nā mea i hala.
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