Page 32 - MidWeek - Oct 5, 2022

32 MIDWEEK
October 5, 2022
PAULETTE ITO
SVP Marketing
Hawaiian Financial Federal Credit Union
Financial Literacy
since some of the personal information you’ll be compiling is highly valuable.
If you are keeping a hard copy of your Ho‘okele Guidebook, make sure it’s kept in a locked and secured location that you have easy access to. You want to avoid a situation in which you’ ve hidden it so well that you can no longer locate it, or have it in such deep storage that you can’t easily access it for reference or to make changes. Worst of all would be to lose it entirely.
With regard to digital files, you should never transmit your confidential data via email or through the Internet unless you know the connection is secure. Common digital storage locations include devices like a computer, cell phone, USB drive, flash memory card, etc. Whatever format you chose as your primary
source, make sure you have a secured secondary backup in a different location. Password protect data files, especially your Ho‘okele Guidebook, and never share your passwords.
Helping Hawai‘i’s families achieve their highest quality of life is the main goal of the “Get Your House in Order” campaign, while also reminding everyone of the importance of sound life planning decisions.
Downloading the Ho‘okele Guidebook PDF booklet is the first step. Follow our journey as we release the four-part guidebook throughout the year. Check the HIFICU website for more details on the “Get Your House in Order” campaign at com/about-us/promos/get- your-house-in-order.
Online Access
The “Get Your House in Order” campaign was created to help Hawai‘i’s ‘ohana achieve their highest quality of life. The main component — and first step of getting your house in order — is downloading the Ho‘okele Guidebook. Ho‘okele is your personal planning booklet that contains legacy wishes, employment and retirement information, insurance and bank document locations, and vital contacts. Over this next year, we will roll out the “Get Your House in Order” campaign over four quarterly phases with a new section of the booklet available from the HIFICU website every three months.
Download
The first step is downloading the Ho‘okele Guidebook from the
HIFICU website at hificu. com/get-your-house-in-order. Downloading the PDF booklet automatically enters you to win a new prize each quarter. The second step is to begin the process of completing your Ho‘okele Guidebook. The fillable PDF format makes typing in your information and saving it in digital format a snap! You can also print your Ho‘okele Guidebook
Safe Storage
Once your Ho‘okele Guidebook is complete, important step is to store it safely, informing only your most trusted advisors as to where it is. You will need to safeguard your sensitive information when you are intheprocessofworkingon your guidebook, especially after its completion,
Scan to download
document location
Consider an online file manager to hold digital copies of your important documents, including these listed on pages 16-18. Include pictures of all permanent records such as birth certificates and policies.
Adoption Papers
Birth Certificates
Friend 1 First and Last Names + Spouse’s Name (if applicable) EMPLOYMENT & PROFESSIONAL ORGANIZATIONS
Friend 1 Address
employment & professional organizations
CLOSE FRIENDS & NEIGHBORS
close friends & neighbors information
DOCUMENT LOCATION
Friend 2 First and Last Names + Spouse’s Name (if applicable)
Citizenship PapersPresent Employer - CFroiemnpda2nyANddarmeses Pre
Divorce Certificate
IMMEDIATE RELATIVES
Spouse, c
PERSONAL EXPER
Start Date
sent EmIpMloMyEeDr IAdTFdErieResEnsLdA3TIFVirEsSt and Last Names + Spouse’s Name (if applicable)
Previous Esmpilobyelr 1Fi-rieCnodm3gpAandsydrNeas&ms e grandchildren inStartfDoate -rEnmd Daate tion
Spouse’s First, Mi
Spouse’s Address
Child 1 First, Middl IENCE
Previous Employer 1 Address
Neighbor 1 First and Last Names + Spouse’s Name (if applicable)
Previous Employer 2S-iCbloinmgp1anFyirNsta,mMeiddle and Last Names + Spouse’s Name (if applicablSe)tart Date - End Date Neighbor 1 Address
hildren, parent information
Previous Employer 2 ASdibdlrinegss1 Address
Contract - Company Name
Neighbor 2 Address
ddle and Last Names
Sibling 2 Address Contract - Company Address
Contract Dates
Neighbor 2 First and Last Names + Spouse’s Name (if applicable) Sibling 2 First, Middle and Last Names + Spouse’s Name (if applicable)
Neighbor 3 First an—d La7s—t Names + Spouse’s Name (if applicable) persSibolingn3 Fairst,lMididlne anfd Loast Nrames +aSptouiseo’s Nname (if applicable)
PERSONAL INFORMATION
Ethnic Composition
Union NeighbHoOr‘O3KAELdEd1r.e1 sPRsESENTED BY HAWAII FINANCIAL FCU e and Last Names + Spouse’s Name (if applicable)
Start Date
Notes
Union Address
Sibling 3 Address
Child 1 Address
I’m beco
Child 2 First, Middl
Child 2 Address
First Name
ming
CluDbianne, Big I e and Last N Middl
Club Address
Last
Professional As
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Sibling 4 First, Middle and Last Names + Spouse’s Name (if applicable)Sibling 4 Address my mother
sland
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e Name
Sibling 4 Address
Name
— 5 — HO‘OKELE 1.1 PRESENTED BY HA
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planning 101:
60-85+
MONIKER GOES HERE
she could use to this end. But that is still
Grandchild 1 First, Middle and Last Names + Spouse’s Name (i sociatiopnart of planning for the unexpected.
ames + SpoBuescea’suNseamofem(ifyapmpolicma’bslep)lanning and
en Name (if applicable)
PERSONAL EXPERIENCE
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Protection, Conservation & Legacy
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Grandchild 1 Address
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If you’re a woman, do you Even when she was healthy, she werinestrluectfiotnws thiatthshae wbanitged toabsek trying to figure remember hearCinhgitldhe4saAydindgresshtearrtpeldansse.nIdainmg amneoinlfyorcmhialdti,osnoaibt owuatsoutcarsehmevsaesteprdryeatndhd. wSihnhegrael.sohesewnatnhterdchaerrtitle “I’mbecomingmymother”? easierforhertoshaSreoecveiarylthSinegcwuitrhityNaAnudmchaobduemrpesliegnoasfaycoe-oawrnser.havepassedand
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behaviorsSphe ahadspsreepadred ldonog bwefonre hefrrdoeatmh who traveled between the two islands.whweonuldwscerimppasndss.ave and always be on
grandchildren will have an easier time
to be sure that I would have an easy She sent me a copy of her plan which
the lookout to purchase a piece of real
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society. Keeping traditions
alive is important, aMsotthhere’syFirst, Middle and Last Names
teach subsequent generations
about a shared past.
Mother’s Address
Many times, traditions are rooted in a person’s nationality, culture and/or religion. Keeping traditions alive helps to establish a centered cultural identity. For children, this is especially important for healthy emotional development. Practicing tra- ditions together teaches common values, builds relationships and fosters a sense of belonging among the entire ohana.
Traditions also connect young children to their ohana and place of origin, pro- viding a sense of security and continuity. This can include holidays, rites of passage and community values. Many cultural tra- ditions have been in place for generations,
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— 4 — grandchildren about what we are doHiOn‘gO;KELE 1.1 PRESENTED BY HAWAII FINANCIAL FCU
I’ve shared information with my daughter
about my computer accounts and
passwords. My husband and I have both
filled our forms with information on how
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away and left her insurance money that
assets; we’ve talked to our children and
HO‘OKELE 1.1 PRESEN
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TED BY HAWAII FINANCIAL FCU
Address
in HthOe‘OrKiEgLhE t1.1pPlRaEScEeNT.EDTBYhHeAWGAIIeFItNAYNoCIuALrFCHU ouse in
and keeping themOalridvermbaoionktaleintsisaasegnrseeat reasoiduer,cleikfeoornththise. weekends.
we want to be remembered when we pass.
— 2 —
The form is called “Five Wishes” but can’t
find them! I’ve got to be sure everything is
Address
of connection to the pIats’st.never too late to sta• rt Psauvrsinuginagnmdutual interests, playing Home Phonestart planning so your famgialmy wesi,Mlvl oinsboitiltienhPgahavoefnaemily memorial, vol-
Practicing Tratodsitrtuioggnlse wiiththdecisionsuwntheenrinygo,uoar rgeoing for special outing are Your Ohana gone. good examples of traditions that aren’t
• Ensure teens and young adults actively expensive and don’t tak—e a1lo—t of time. participate in tradHitaiownasi,ians FthineaynacriaeloFfetdeenral C•redEitvUonlvioenbiesyaond holidays by weaving
role models for youfnuglle-srekrevikcie. financial institutitorna.ditions and shared activities into your
• When possible,Ipf yroaucntieceed tarsasidstiatniocensgetting yourl•ifivneaEsnxcthtiaerlnohudougeHsdhOeo‘fOinuaKtmEtLihElye1.ym1 ePRiaEgSrEh.NtTEcDhBYaHnAgWAeII oFINvAeNrCIAL FCU when you already have ohana time set
order, visit hificu.com, or call 808-832-8700 or 800-272-5255
Life’s Timeline - Goals and Milestones (Pahukū)
PROTECT (MLAMA PONO)
Be akamai during these early years (ages 25-35)
by planning appropriately:

PROTECT & GROW (MLLAMA PONO & HO‘OULU)
Be akamai during these growth years (ages 45-55)
by planning appropriately:

Insurance Downlo
Marriage
Policies
Reduce Debt New Home ‘Ohana Planning Increasing Income Purchase First Home H o‘o Growing ‘Ohana
HOP‘eOakKEaLrnEin1g.1YePaRrEsSENTED BY Mkua Care
Retirement Planning Asset Accumulation Keiki College Funding
AGE 45
HAWAII FINANCIAL FCU
Changing Jobs
Retirement Planning
AGE 25 AGE 35
Retirement Planning Real Estate Investments Mo‘opuna Planning
AGE 55
Guide
HO‘OKELE 1.1 PRESENTED BY HAWAII FINANCIAL FCU
CLOSE FRIENDS NESIBGLHIBNOGRSS
GRANDCHILDREN
EMPLOYMENT - PRESENT & PREVIOUS CONTRACT
UNION
CLUB
ASSOCIATION
SPOUSE
CHILDREN
PARENTS
AGES 75-85+ AGES 60
HO‘OKELE 1.1 PRESENTED BY HAWAII FINANCIAL FCU
HO‘OKELE 1.1
A guidebook to help navigate the documentation of your affairs.
PRESENTED BY
HAWAIIAN FINANCIAL FCU