Synopsis: Signing up for a new credit card in order to save 10 percent on a purchase might sound like a good deal but could cost you more in time, effort, aggravation and money than it’s worth.

———

'Auhea 'oukou e nā hoa o Kauakūkalahale, he wahi leo a'oa'o wale nō kēia iā 'oukou, 'o ia ho'i, penei: E akahele ka mea kū'ai!

I ka Home Depot aku nei au i nehinei a kū'ai akula i kekahi mau mea no ka ho'oponopono 'ana i ko'u hale. 'O ka uea uila 'oe, ke aniani kukui uila 'oe, ka pana uila a me ka palaka, 'elua ipu lua hou, he mau pine hou e pa'a ai ka ipu lua i ka papahele, he puna hamo no ka pāku'i 'ana i ka papahele, a me ia mea aku, ia mea aku. He $700 kālā a 'oi ka'u i ho'olilo ai ma ke kū'ai 'ana i kēia mau mea, a i kēia wā a kākou e ho'omakauli'i nei a ho'omanawanui nei ho'i i ka wī, he kumukū'ai ia e pohā 'i'o ai nō ka lae. 'A'ole na'e e hihi. He mau mea ia e pono ai ka nohona o ka hale, a he makepono nō ia kū'ai 'ana.

Eia na'e ka mea 'āpiki. Ia'u e uku ana i ia kālā, nīnau maila ka 'ohi kālā inā makemake au e ho'ēmi i ke kumukū'ai i ka 10%. 'Ae akula kahi keiki ho'omaloka, 'o au, me ka nīnau pū aku ho'i i ka'u e hana ai. Pane maila kēlā 'o ke noi aku i kāleka kāki Home Depot wale nō ke koina, a ke 'ae 'ia ka'u noi, e kāki 'ia kēlā mau kālā $700 ma lalo o ia kāleka kāki me ke emi mai o ke kumukū'ai i ka 10%. I mea na'e e hō'oia ai i ko'u 'ano he kanaka ho'oka'a 'ai'ē, e hō'ike aku au i kekahi kāleka kāki 'oko'a. 'Elua a'u kāleka i hō'ike aku ai a 'elua o'u hō'ole 'ia mai. Mihi maila ua 'ohi kālā nei me ka 'ōlelo mai ē 'a'ole maopopo iā ia ka mea e hihia nei. No laila, uku au me kekahi kāleka kīko'o a hā'awi maila kēlā i kekahi 'āpana pepa e hō'oia ana i ka'u noi a me kekahi helu kelepona e ho'okani ai no ka ho'oponopono i ka hihia. 'O ko'u ho'i akula nō ia i ka hale me ka'u mau mea a ho'okani aku nō ho'i i ka helu. Ho'oponopono 'ia ka hihia o ke kāleka kāki hou, eia na'e, aia ka loa'a 'ana o ka 10% a ho'i aku au i ka Home Depot.

No laila, eia au ma ke pākaukau “Customer Service” o ka Home Depot ke ho'omanawanui nei i ka hana mili'apa a ka wahine nāna e ho'oponopono ana i ka hihia o ka 10%. He mau hana nō e hana ai. 'O ka hana mua, ho'iho'i 'ia mai ka'u $700 i ho'olilo ai ma o ke kāleka kīko'o. A laila, kāki hou 'ia ka'u mau mea ma lalo o ke kāleka kāki Home Depot me ke emi mai he 10%. A pau kēia hana, nīnau akula au i ka hana e ho'oka'a ai i ka 'ai'ē o ke kāleka kāki. E ho'ouna 'ia mai paha kekahi pila? Hō'ole maila kēlā, 'a'ohe pila e ho'ona 'ia mai ana. Na'u nō au e ho'omaopopo a uku aku ma mua o 'eono mahina o pili ka uku ho'opane'e he 22%. Auē ka ma'alea ē! Pēlā kā ho'i e puka ai kēia po'e ma ke kālā! He nui nō paha ka po'e nāna e make'e i ka 10%, noi i kēia kāleka kāki, a poina ho'i ka ho'oka'a 'ana i ka 'ai'ē i ka wā kūpono. He māhuahua wale nō ko ka 'ai'ē, a i ka hopena, 'a'ohe wahi 'ano o ka makepono i laila.

———

E ho'ouna 'ia mai nā leka iā māua, 'o ia ho'i 'o Laiana Wong a me Kekeha Solis ma ka pahu leka uila ma lalo nei:

» .(JavaScript must be enabled to view this email address)

» .(JavaScript must be enabled to view this email address)

a i ‘ole ia, ma ke kelepona:

» 956-2627 (Laiana)

» 956-2624 (Kekeha)

This column is coordinated by the Hawaiian Language Department at the University of Hawai'i at Mānoa, supported by the Initiative for Achieving Native Hawaiian Academic Excellence.