Akó—Taimi Lōloa Tahá: Miniti ʻe 45
Fealēleaʻaki ki he ʻAho Ní:
4 SEIVI pea ʻInivesi ki he Kahaʻú
Mape Lavameʻa ʻi he Fatongia Tauhi ʻo e Ngaahi Meʻa Fakapaʻangá
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Lau:Ko e taimi ʻoku fanongo ai ʻa e kakaí ki he foʻi lea ʻinivesí, te nau mei fakakaukau ki ha fale longoaʻa mo taʻemaau pea mo ha kakai ʻoku nau fakatau sitoka mo ha ʻū pōnite. Neongo ʻe ala hoko ia ko ha konga ʻo e ʻinivesí, ka ko e ʻinivesí ʻoku toe kau ai mo hono foaki ʻo e taimí, ngāué, pe paʻangá ki ha faʻahinga meʻa ʻi he ʻamanaki ʻe maʻu mai ha tupu. ʻI he ʻuhinga ko ʻení, ko e ʻinivesí leva ko ha ʻelemēniti ia ʻo e moʻui fakafalala pē kiate kitá.
Te mou vakaiʻi ʻi he vahe ko ʻení ha founga ʻe tolu ʻo e ʻinivesí:
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Fakahū ha paʻanga
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Fakakaukau ke ʻi ai haʻo ʻapi
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Feinga ke ke ako
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1. Fakahū ha Paʻanga
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Fakalaulauloto:Tuku ha miniti ʻe ua ke ke fakakaukauʻi ai ʻa e fehuʻi ko ʻení pea hiki hoʻo fakakaukaú: Ko e hā ha meʻa te u fakahū paʻanga ki ai?
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Lau:Ko e taha ʻo e ngaahi founga faingofua taha ki he ʻinvesí ko e fakahū ha paʻanga. Kuó ke feinga ke tānaki ha paʻanga fakatuʻupakē, ʻo kamata ʻi he māhina ʻe tahá pea hiki hake ai ki he māhina ʻe tolu ki he onó. Fakakaukau ki he ngaahi meʻa ʻe lava kapau te ke kei fakahū paʻanga ai pē ʻi ha ʻosi haʻo fokotuʻu ha sinoʻi paʻanga fakatuʻupakē ʻoku lahí.
Naʻe akoʻi ʻe ʻEletā L. Tom Perry, “Totongi ki hoʻo ʻakauní ha mahuʻinga tuʻu pau. … ʻOku fakaofo kiate au ʻa e ngāue mateaki ʻa ha niʻihi tokolahi ʻi he kotoa ʻo ʻenau moʻuí ke totongi ʻaki e koloá, ʻapi nofo totongí, kautaha ʻuhilá, fakatauʻanga meʻalelé, mo e pangikeé, kae ʻikai ke nau teitei fakakaukauʻi ʻenau kakavá ʻo ʻikai ai haʻanau totongi pē maʻanautolu” (“Becoming Self-Reliant,” Ensign, Nov. 1991, 66).
Hangē ko hono fakatātaaʻi kimuʻa ʻe he hina siaá, ʻoku mātuʻaki mahuʻinga ke ke fuofua “totongi koe” ʻaki hano fakahū ha paʻanga ki hoʻo ʻakauní. ʻE tokoni ʻeni ke ke langaki ha tuʻunga fakapaʻanga ʻoku malú.
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Aleaʻi:Toe fakamanatu ʻi ha kiʻi taimi nounou ʻa e fakatātā ki he foʻi hina siaá. Ko e hā ʻoku ʻuhingamālie taha kiate koe ʻi he sīpinga ko ʻení? ʻOkú ke fakahaaʻi fēfē ʻa e tuí ʻi hoʻo ngāue ʻaki e tōʻonga moʻui fakafalala pē kiate kitá?
2. Fakakaukau ke ʻI AI haʻo ʻApi
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Lau:ʻE lava ke hoko e fakatau mai ha apí ko ha founga ia ʻe taha ke ke ʻinivesi ai. Ka neongo iá, ko e fakatau ʻapí ʻoku ʻikai maʻá e tokotaha kotoa pē, pea ʻe faʻa sai ange ʻa e nofo totongí.
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Lau:Ko kinautolu ʻoku fakakaukau ke fakatau mai hanau ʻapí, manatuʻi ʻa e ongo tefitoʻi moʻoni ko ʻení:
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Toki fakatau mai pē ha ʻapi ʻi he taimi pea mo e feituʻu ʻe ʻuhingamālie ai ke ke fai iá.
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Fakatau pē ʻa e ʻapi te ke lava lelei ʻo totongí.
Tau aleaʻi leva he taimí ni ha ngaahi meʻa te nau ala tākiekina ʻa e ongo tefitoʻi moʻoni ko ʻení.
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Aleaʻi:Ko e hā ʻoku mahuʻinga ai ke ke ʻeke kiate koe ʻa e ngaahi fehuʻi ko ʻení kimuʻa peá ke toki fakatau mai ha ʻapí?
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Lau:Ko e niʻihi tokolahi ʻoku nau fakatau mai ha ʻapi ʻo ngāue ʻaki ʻa e nō ʻoku ui ko e mōkisi. Ko e mōkisi ko ʻení ko e moʻua, pea kuo pau ke ke fakamole ki he totongi tupú. ʻE fie maʻu ia ke ke totongi ʻa e totongi fakamāhiná mo tā fakafoki e noó.
Ko hoʻo totongi mōkisi fakamāhiná ʻoku ʻikai totonu ke laka hake ʻi he pēseti ʻe 25 ʻo hoʻo paʻanga hū mai fakamāhiná, ka ke fiemālie ʻi hoʻo tuʻunga fakapaʻangá ʻo kiʻi fuoloa. Fakaʻaongaʻi ʻeni ko ha fakahinohino ki he meʻa te ke lava ʻo totongi fakafokí, kae ʻikai ko e lahi ʻo e meʻa ʻe fie tuku atu ʻe he kautaha noó ke ke noó.
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Aleaʻi:Ko e hā hono ʻuhinga kiate koe ke fakatau mai ha ʻapi te ke lava pē ʻo totongí?
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Lau:Manatuʻi maʻu pē ʻoku ʻi ai ha ngaahi fakamole kehe ʻa e tokotaha maʻu ʻapí makehe mei he mōkisí. Ko e taimi ʻokú ke maʻu ai ha ʻapí, ʻokú ke fatongia ʻaki hono monomonó. ʻOku ʻi ai e ngaahi meʻa ʻe maumau pea motuʻa, pea ʻe fie maʻu he taimi ʻe niʻihi ke fakaleleiʻi. ʻOku faʻa fokotuʻu mai ʻe he kau faleʻi fakapaʻangá ke vaheʻi ha pēseti ʻe 1 pe lahi ange ʻo e mahuʻinga ho falé ʻi he taʻu, ki he monomonó.
Fakangata ʻa e Moʻua Mōkisí
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Lau:Hangē ko ia naʻe tomuʻa fakamatalaʻi atú, ko e mōkisí ko ha nō—ko e moʻua—pea te ke fakamole ai ki he totongi tupú. Naʻe pehē ʻe Palesiteni Ezra Taft Benson,, ʻi heʻene toe fakamanatu mai e ngaahi akonaki ʻa Palesiteni J. Reuben Clark,, “Tuku ke taumuʻa ʻaki ʻe he ʻulu ʻo e fāmili kotoa pē ke maʻu hano ʻapi taʻeʻi ai ha mōkisi” (“Prepare for the Days of Tribulation,” Ensign, Nov. 1980, 33). Mahalo ʻe fie maʻu ha feilaulau ʻi hano totongi ʻosi fakavavevave ʻo e mōkisí, ka ko e vave ange hoʻo totongi ʻosí, ko e lahi ange ia e paʻanga ʻokú ke fakahaofi ʻi he totongi tupú. ʻOku ʻi ai ha founga ʻe ua ki hono totongi ʻosi hoʻo mōkisi:
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Totongi ke lahi ange
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Fokotuʻutuʻu ha nō vahaʻa taimi nounou ʻoku siʻisiʻi hono totongi tupú
ʻE hanga ʻe he totongi lahi ange ʻo e sinoʻi noó ʻo holoki e lahi ʻo e taʻu ʻoku totongi aí pea fakahaofi ha paʻanga ʻe laumano ʻi he totongi tupú. Hangē ko ʻení, kapau ne ʻi ai haʻo mōkisi $150,000 ʻi he taʻu ʻe 30 ʻoku totongi tupu pēseti ʻe 4.5, te ke totongi ʻa e $123,610 ko e totongi tupu ia ʻi he vahaʻa taimi ʻo e noó. Vakai ki he saati ʻi laló ke ʻiloʻi pe ko e hā e lahi ʻo e taimi mo e paʻanga te ke lava ʻo fakahaofi kapau te ke totongi fakalahi atu ʻaki ha $100 pe $200 ʻi he māhina takitaha.
fakalahi ʻaki ha $100 ʻi he māhina
fakalahi ʻaki ha $200 ʻi he māhiná
Taimi ʻoku fakahaofí
Meimei taʻu ʻe 7
Meimei taʻu ʻe 11
Paʻanga ʻoku fakahaofí
$29,715
$47,462
Ko ha founga ʻe taha ke vave ange ai e totongi mōkisí ko hano aleaʻi ha mōkisi ʻoku taimi nounoú. Ko e ngaahi mōkisi taimi nounoú ʻoku meimei ke siʻisiʻi ange ai ʻa e totongi tupú. ʻOku māʻolunga ange hoʻo totongi fakamāhiná, ka ʻe siʻi ange taʻu ʻokú ke totongi aí pea te ke fakahaofi ʻa e lauafe ʻi he totongi tupú.
Tau fakafehoanaki ʻa e mōkisi tatau hangē ko ia ʻi muʻá, kae ʻai pē nō ko ʻení ke taʻu ʻe 15. Ko e ʻuluaki mōkisí naʻe $150,000 ʻi he taʻu ʻe 30 kae pēseti ʻe 4.5 hono totongi tupú. Tau fakafehoanaki ia mo ha mōkisi taʻu ʻe 15 ʻoku pēseti ʻe 3.5 hono totongi tupú.
Mōkisi Taʻu ʻe 30
Mōkisi Taʻu ʻe 15
Totongi tupú
4.5%
3.5%
Totongi fakamāhiná
$760
$1,072
Fakakātoa ʻo e tupu ne totongí
$123,610
$43,018
Taimi ke totongi aí
Taʻu ʻe 30
Taʻu ʻe 15
ʻOku ʻuhinga ʻa e mōkisi taʻu ʻe 15 ko ʻení, te ke totongi tānaki atu ha meimei $312 ʻi he māhina, ka te ke fakahaofi ai ʻa e:
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Taʻu ʻe 15 ʻo e totongi mōkisí.
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Lahi hake ʻi he $80,000 ʻo e totongi tupú.
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Aleaʻi:Ko e hā te ke fie tuku kae lava ʻo totongi ha meʻa lahi hake ki hoʻo mōkisí pe ʻai ha mōkisi taimi nounou ke vave ange haʻo ʻatā mei he moʻuá?
3. Feinga KE KE AKO
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Lau:Ko e akó ko ha founga ia ʻe taha ʻo e ʻinivesí. Ko e angamahení, ʻe ʻi ai ha fakamole ki he totongi e ako ngāué pe fakaʻatamaí. Kapau te ke ʻinivesi he akó, fakapapauʻi ʻe maʻu ai ha ngāue lelei ange koeʻuhí ke ʻaonga hoʻo ʻinivesí. Naʻe faleʻi ʻe Palesiteni Gordon B. Hinckley “ko e taimi lahi, ʻe totongiʻi koe he māmaní fakatatau mo ʻene fakakaukau ki ho mahuʻingá, pea ʻe fakautuutu ho mahuʻingá ʻi haʻo ako mo aʻusia ha tuʻunga lelei ʻi he malaʻe ne ke filí” (“A Prophetʻs Counsel and Prayer for Youth,” Ensign, Jan. 2001, 4).
ʻE feʻunga pē he taimi ʻe niʻihi ke ke fakamoʻua ke lava hoʻo akó, ka ʻoku toe lahi foki mo ha ngaahi founga ke totongi ai e akó. Vakaiʻi ʻa e ngaahi faingamālie kotoa pē kimuʻa peá ke toki fakamoʻua. Kapau te ke fakamoʻua koeʻuhí ko e akó, feinga ke ke totongi ʻosi ia ʻi he vave tahá.
ʻE ala hoko ʻa e kulupu Ako Koeʻuhí ko ha Ngāue Lelei Angé ʻi he moʻui fakafalala pē kiate kitá ko ha fili lelei maʻau kapau te ke fakakaukau ke ke ʻinivesi ʻi he akó.
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Aleaʻi:ʻOku hoko fēfē ʻa e akó ko ha ʻinivesi ia maʻau?
Aleaʻi ʻi Hoʻomou Fakataha Alēlea Fakafāmilí ʻa e Fakahū Paʻangá, Feinga ke Maʻu ha ʻApí, mo e ʻInvesi pē Maʻaú
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Lau:Ko e taha hoʻomou tukupā ʻi he uike ní, ke aleaʻi e fakahū paʻanga talifakí, maʻu ha ʻapí, pea mo e ʻinivesi ʻi hoʻo akó ʻi he fakataha alēlea fakafāmilí. Aleaʻi e ngaahi meʻa te ke fie tānaki ha paʻanga ki aí, pe ʻoku totonu ke ke nofo totongi pe fakatau mai ha ʻapi (pe ha founga te ke lava ai ʻo totongi fakalahi ke fai mo ʻosi hoʻo mōkisí), mo e ngaahi taumuʻa fakaakó, kapau ʻoku ʻi ai, ʻa ia ʻoku totonu ke ke ngāueʻí. Mahalo te ke fie fakaʻaongaʻi ʻa e “Sīpinga Fealēleaʻaki ʻi he Fakataha Alēlea Fakafāmili” ʻi laló.
Sīpinga ʻo e Fealēleaʻaki ʻi he Fakataha Alēlea Fakafāmilí
Fakapapauʻi ke kamata mo fakaʻosi ʻaki ha lotu ke fakaafeʻi ʻa e Laumālié.
Konga 1: Toe Vakaiʻi
Konga 2: Palani
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ʻE lava fēfē ke ke fakahū ha paʻanga ki hoʻo ngaahi fie maʻu ʻi he kahaʻú?
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Kapau ʻoku teʻeki ke ke maʻu ha ʻapi he taimí ni, ʻoku totonu nai ke ke fakakaukau ke fakatau mai haʻo ʻapi? Pe ʻoku totonu ke ke kei nofo totongi pē he vahaʻa taimi atu ko ʻení?
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Kapau ʻokú ke lolotonga maʻu ʻapi, ʻe founga fēfē haʻo ngāue ke vave ange totongi hoʻo mōkisí? ʻE lelei ange nai ke ke fakatau atu ho ʻapí ka ke nofo totongi ʻi ha vahaʻa taimi?
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Ko e hā ha faʻahinga ako pe ako makehe, kapau ʻoku ʻi ai, ʻoku totonu ke ke fakahoko ke maʻu ai ha ngāue ʻoku lelei angé?