Akó—Taimi Lōloa Tahá: Miniti ʻe 45

Fealēleaʻaki ʻo e ʻAho Ní:

Patisetí

graphic of house

Mape Lavameʻa ʻi he Fatongia Tauhi ʻo e Ngaahi Meʻa Fakapaʻangá

Aleaʻi:ʻOkú ke pehē ko e hā ʻoku hoko ai ʻa e “patisetí” ko ha holisi ʻi he Mape Lavameʻa ʻi he Fatongia Tauhi ʻo e Ngaahi Meʻa Fakapaʻangá kae ʻikai ko hano konga ʻi loto?

Lau:Te tau aleaʻi ʻi he ʻahó ni ha taha ʻo e ngaahi meʻangāue mahuʻinga taha ki hano fokotuʻu ha maluʻi fakapaʻanga pea mo e hoko ʻo moʻui fakafalala pē kiate kitá: faʻu mo hono fakaʻaongaʻi lelei ʻo ha patiseti. Ko e patisetí ko ha palani. Ko e fakaʻaongaʻi ʻo e patisetí, ʻokú ke palani ai e founga te ke fakaʻaongaʻi ai hoʻo paʻangá ʻi ha vahaʻa taimi.

ʻE tokoni atu kiate koe mo ho fāmilí, ʻa e muimui ki ha patisetí, ke mou mapuleʻi hoʻomou moʻui fakatuʻasinó, liʻaki ʻa e tangata fakakakanó (vakai, Mōsaia 3:19), pea fakaafeʻi ʻa e Laumālié ki homou ʻapí. ʻE tokoni foki ʻa e fakapatisetí ke ke malu ai mo ho fāmilí mei ha faingataʻa, ʻi hoʻo fakaʻaongaʻi ia ke vahevahe ʻa e paʻangá ki ha meʻa fakatuʻupakeé, totongi e moʻuá, mo fakahū talifaki ki he ngaahi fakamole ʻi he kahaʻú.

Ko hono faʻu mo muimuiʻi ha patisetí, ko ha ngāue ia ʻo e tuí. He ʻikai ke tau lava ʻo vavalo ki he kahaʻú, pea ʻoku faʻa hiki fakatuʻupakē pē ʻa e mahuʻinga ʻo e koloá. ʻOku mahuʻinga ke tau manatuʻi ko e patisetí kuo pau ke liliu ngofua ia—ke liliu mo fakaleleiʻi maʻu pē. Ko e taimi te ke fokotuʻu ai ha patiseti ʻi he uike ní, manatuʻi ʻe fie maʻu ke toutou vakaiʻi pea mo fakaleleiʻi he lolotonga hoʻomou ngaahi fakataha alēlea fakafāmilí. Kapau ʻe tōtuʻa ho fakamolé mei he meʻa naʻe patiseti ki aí, ʻoua ʻe foʻí! ʻE meimei ke lau māhina hono feliuliuakí peá ke toki maʻu ha patiseti ʻe ngāue leleí.

ʻEkitivitī (miniti ʻe 5)

Sitepu 1: Tuku ha taimi ke mou vakaiʻi fakalongolongo ai ʻa e ʻū palakalafi ko ʻeni ne mou toki lau fekauʻaki mo hono fakaʻaongaʻi ha patisetí. Laineʻi ‘a e ngaahi tāpuaki pau hono fakaʻaongaʻi ha patisetí.

Sitepu 2: Hili iá pea vilo takai ʻi he kulupú ʻo vahevahe ʻa e tāpuaki ʻoku laineʻí ʻa ia ʻoku ʻuhingamālie taha kiate koé.

1. Fokotuʻu ha Patisetí

Lau:Te tau akoako faʻu ha patiseti ʻi he ngaahi ʻekitivitī ko ʻení.

Ko e ʻaho ní, te ke fakafuofuaʻi ai ʻa e mahuʻinga ʻoku fie maʻú ʻo makatuʻunga ʻi he meʻa ʻokú ke ʻiló mo e meʻa kuó ke ako mei hono muimuiʻi hoʻo paʻanga hū maí mo e ngaahi fakamolé. Ko e taha hoʻo ngaahi tukupā ki he uike ní ko hono toe fai ʻa e ngāue ko ʻení, ʻaki e ʻū mataʻifika totonú, ʻo fakaʻaongaʻi e tēpile ʻi he fakaʻosinga ʻo e vahé.

Kamata ʻaki hoʻo paʻanga hū maí, ke faʻu ha patiseti.

ʻEkitivitī (miniti ʻe 3)

ʻI he sīpinga patiseti he peesi 60, fakafonu ʻi he puha ʻuluaki ʻo e kōlomu “Paʻanga Hū Maí” ʻaki hoʻo paʻanga hū mai fakamāhina hili e tukuhaú (monthly net income). ʻOku ʻuhinga ʻa e paʻanga hū mai hili e tukuhaú (net) ki he paʻanga ʻoku ʻaʻau ke ke ngāue ʻakí.

Lau:Ko e sitepu hono hoko ki hono faʻu ha patisetí ko hono fakakalakalasi mo fakafuofuaʻi hoʻo ngaahi fakamolé. Kuó ke ʻosi muimuiʻi hoʻo ngaahi fakamolé pea fokotuʻu kinautolu ki hono fakakalakalasi naʻá ke fokotuʻu ʻi he vahe 1. Te tau vahevahe leva ʻetau fakamolé he taimí ni ki ha faʻahinga ʻe ua: “Pau” mo e “Kehekehe.” Ko e niʻihi ʻeni ʻo ha ngaahi sīpinga.

Ngaahi Fakamole Paú (P)	Ngaahi Fakamole Kehekehé (K)
Mōkisí/totongi fale nofoʻangá	Moʻua ʻuhilá, kasá, vaí
Totongi ʻo e meʻalelé	Koloa meʻakaí
Totongi maluʻí	Kai falekaí
Vahehongofulú	Penisiní mo e fefonongaʻakí
Sinoʻi paʻanga ki he ngaahi meʻa fakatuʻupakeé	Ngaahi fiemaʻu fakaʻapí
Ngaahi moʻua kehé	Fakafiefiá

Ngaahi Fakamole Paú

Lau:Ko e ngaahi fakamole paú ʻoku pau hono mahuʻingá pea ʻikai toe liliu. Ko e lahi taha ʻo e ngaahi fakamole ko ʻení ʻoku fakamāhina, kae mahalo ʻe ʻi ai pē ha niʻihi ʻe tuʻo lahi pe taimi siʻi ʻene hokó. He ʻikai puleʻi fakahangatonu ʻe he tōʻonga fakamolé ʻa e ngaahi fakamole paú; ka, ʻoku puleʻi ia ʻe hono siviʻi ho tūkungá mo e fai ha ngaahi liliú. Ko ha founga lelei ke ʻiloʻi ai ʻa e ngaahi fakamole paú ko hano fehuʻi, “ʻOku toutou hoko nai ʻa e fakamole ko ʻení, pea ʻoku mahuʻinga tatau nai he taimi kotoa pē?” ʻOku kau ʻi he ngaahi sīpinga angamahení ʻa e mōkisí, totongi fale nofoʻangá, totongi ki ha meʻalelé, pea mo e ngaahi fakamole pau hangē ko e ʻinitanetí, keipoló, pe moʻua telefoni toʻotoʻó.

ʻOku ʻi ai foki mo ha ngaahi fakamole pau ʻoku ʻikai totongi fakamāhina; taimi ʻe niʻihi ʻoku fakataʻu, pe fakavaeua taʻu, pe fakakuata ʻa e ʻū fakamolé. Hangē ko ʻení, kapau te ke totongi ha maluʻi meʻalele ʻi he māhina ʻe 6 kotoa pē pe totongi maluʻi moʻui ʻi he māhina ʻe 12 kotoa pē, ko ha fakamole pau ʻeni ia. Koeʻuhí ke liliu e fakamole pau ko ʻení ke fenāpasi mo hoʻo patisetí, vahevahe ʻa e lahi ʻokú ke totongí, ʻaki e lahi ʻo e ngaahi māhina ʻi he vahaʻa taimi ʻokú ke totongi aí. Neongo ʻoku ʻikai ke ke totongi fakamāhina e moʻua ko ʻení, ka te ke tuku mavahe ʻa e lahi ʻoku fie maʻu ki he māhina takitaha, koeʻuhí ke ke lava ʻo totongi ʻa e moʻuá ʻi he taimi ʻoku fie maʻu aí.

ʻEkitivitī (miniti ʻe 10)

Hiki hoʻo ngaahi fakamole paú ʻi he sīpinga ʻo e patiseti he peesi hono hokó. Tohiʻi ʻa e P ʻi he kōlomu ʻo e “Faʻahingá” pea fakafuofuaʻi ʻa e lahi ʻo e fakamole ʻi he kōlomu hono tolú. ʻI hoʻo tānaki ko ia e ngaahi fakamolé, fokotuʻu pe ko e hā e lahi ʻoku ʻi he kōlomu “Palanisí.” Vakai ki he sīpinga ʻo e patisetí, ki ha tokoni.

Ngaahi Fakamole Kehekehé

Lau:Ko e ngaahi fakamole kehekehé ʻoku ʻikai lahi tatau ia ʻi he māhina kotoa pē. ʻOku ʻi ai ha ngaahi fakamole kehekehe ia ʻoku ʻikai ke mapuleʻi fakahangatonu ʻe hoʻo ngaahi tōʻonga fakamolé. Hangē ko ʻení, ko e ngaahi fakamole hangē ko e (vaí, kasá, ʻuhilá, mo e ngaahi meʻa peheé) ʻoku fetōʻaki ʻo fakatatau mo hono fakaʻaongaʻí. Ka, neongo ʻe fetōʻaki ʻa e lahi fakamāhiná, te ke kei lava pē ʻo patiseti ki he ngaahi meʻa ko ʻení.

ʻI he patisetí, ko e ngaahi fakamole mahuʻinga tahá ʻa ē ʻokú ke puleʻi lahi tahá. ʻOku mapuleʻi fakahangatonu ʻeni ia ʻe hoʻo founga fakamolé. Ko ha founga lelei ke ʻilo ai ʻa e ngaahi fakamole ko ʻení ke ke fehuʻi pē kiate koe, “ʻOku ou fakatau nai ʻeni mei he falekoloá (pe ʻi he ʻinitanetí)?” ʻI he ngaahi fakamole kehekehe lahi, te ke lava pē ʻo fili ke fakamole lahi ange pe siʻi ange ʻi he ngaahi tafaʻaki ko ʻení. ʻOku kau ʻi hono ngaahi sīpingá ʻa e koloa meʻakaí, penisiní, kai falekaí, telefoni toʻotoʻó, mo e fakafiefiá.

ʻEkitivitī (miniti ʻe 10)

Hiki hoʻo ngaahi fakamole kehekehé ʻi he sīpinga ʻo e patisetí. Tohiʻi ʻa e “K” ʻi he kolomu ʻo e “Faʻahingá”, pea fakafuofuaʻi ʻa e lahi ʻo e fakamole ʻi he kōlomu hono tolú. ʻI hoʻo tānaki ko ia e ngaahi fakamolé, fokotuʻu pe ko e hā e lahi ʻoku ʻi he kōlomu “Palanisí.” Vakai ki he sīpinga ʻo e patisetí, ki ha tokoni.

Sipinga ki he ʻEkitivitī Patisetí (Ko Hono Ngāueʻaki e Ngaahi Mahuʻinga ʻoku Fakafuofuaʻí)

Fakamatalá	Faʻahingá	Paʻanga Hū Maí	Fakamolé	Palanisí
Paʻanga Hū Maí	(NA)
Palanisí

Sīpinga ʻo e Patisetí

Fakamatalá	Faʻahingá	Paʻanga Hū Maí	Fakamolé	Palanisí
Paʻanga Hū Maí	(NA)	1,000
Vahehongofulú mo e ngaahi foakí	P		110	890
Paʻanga ki ha meʻa fakatuʻupakē ʻi ha māhina ʻe taha	P		50	840
Maluʻí	P		80	760
Totongi falé	P		300	460
Vaí, ʻuhilá, kasá	K		30	430
Koloá mo e meʻakaí	K		230	200
Ngaahi Totongi moʻuá	K		80	120
Fefonongaʻakí	K		50	70
Fakafiefiá	K		30	40
Meʻa kehé	K		40	0
Palanisí				0

2. Fakapalanisi ʻo ha Patiseti

Lau:ʻI hoʻo fokotuʻutuʻu ko ia hoʻo patisetí, mahalo te ke fakatokangaʻi ʻe lahi ange hoʻo fakamolé ʻi he paʻanga hū maí. Kapau ko e meʻa ʻeni ʻoku hoko kiate koé, ʻoku ʻikai ko koe tokotaha pē. Pea ko ha palopalema ʻeni te ke lava pē ke fakaleleiʻi. ʻOku ʻi ai ha founga ʻe ua ke ke fakaleleiʻi ai e palopalema ko ʻení: Ngāueʻi ha paʻanga hū mai lahi ange, pe fakasiʻisiʻi hono fakaʻaongaʻi e paʻangá. Ko e taimi ní, tau aleaʻi pe te tau lava fēfē ʻo fakaʻaongaʻi ha patiseti ke tokoni ke siʻi ange ʻetau fakamolé ʻaki haʻatau ako ke mapuleʻi ʻetau fakamole he ngaahi meʻa ʻoku ʻikai ke tau fuʻu fie maʻú.

Mamataʻi:ʻOku maʻu ʻa e “Hoko Atu ʻi he Faʻa Kātaki [Continue in Patience]” ʻi he srs.lds.org/videos. (ʻIkai ha vitiō? Lau ʻa e peesi 66.)

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Aleaʻi:ʻOkú ke tatau fēfē mo e fānau ko ʻení he taimi ʻe niʻihi? Ko e leka fē ʻokú ke tatau mo iá?

ʻEkitivitī (miniti ʻe 7)

Sitepu 1: ʻAnalaiso fakataautaha hoʻo tōʻonga fakamole lolotongá ʻaki haʻo fakaʻilongaʻi ʻa e fanga kiʻi puha ʻi he saati ko ʻení. Te ke lava ʻo liliu hoʻo fakamolé ke fakamuʻomuʻa ange hoʻo ngaahi fie maʻu taimi lōloá ʻi hoʻo ngaahi fie maʻu taimi nounoú?

Ko e Hā ʻEku Ongo Fekauʻaki mo ʻEku Fakamolé?	ʻOku fuʻu siʻi ʻeku fakamolé	ʻOku ou ongoʻi fiemālie pē heʻeku fakamolé	ʻOku fuʻu lahi ʻeku fakamolé
Maʻu meʻatokoni he ngaahi falekaí	□	□	□
Koloa meʻakaí	□	□	□
Meʻakai fakamāmālohí mo e inú	□	□	□
Fakafiefiá	□	□	□
Totongi fale nofoʻangá pe mōkisí	□	□	□
Vaí, ʻuhilá, kasá	□	□	□
Valá	□	□	□
Ngaahi nāunau maʻá e fāmilí	□	□	□
Fefonongaʻakí	□	□	□
Totongi maluʻí	□	□	□
Telefoni toʻotoʻó	□	□	□

Sitepu 2: Ngāue fakataha mo ho malí pe hoa ngāué. Feinga ke ʻilo pe ko e fē ʻi hoʻo patisetí ʻe lava ke fakasiʻisiʻi ai hoʻo fakamolé, pea hiki hoʻomo ngaahi fakakaukaú ʻi lalo.

Ko e Palopalema ʻo e Komisoní

ʻOku vahe fakakomisoni hoku husepānití, pea ʻoku ʻikai ha taimi ia ʻe teitei tatau ai ʻene vahé kimuʻá mo e vahe hono hokó. Pea ko e taimi ʻe niʻihi ʻoku vaha ʻaupito ʻa e taimi vahé! Kuó ma ʻosi ako ke ‘ʻai fakahokohoko’ pē: ʻuluaki totongi ʻa e moʻua mahuʻinga tahá, pea toki hoko e moʻua ʻoku hoko hake hono mahuʻingá. Kuo pau ke fili ʻe he tokotaha kotoa pe ko e hā ʻoku ‘mahuʻinga taha’ kiate kinautolú.

Aleaʻi ʻa e Faʻu Patisetí ʻi Hoʻomou Fakataha Alēlea Fakafāmilí

Lau:Naʻe akoʻi ʻe ʻEletā Robert D. Hales, “Ko e founga mahuʻinga ʻe [taha] te tau tokoniʻi ai ʻetau fānaú ke nau ako ke hoko ko ha kau tauhi fakapotopotó, ko e fokotuʻu ʻo ha patiseti fakafāmili. ʻOku totonu ke tau vakaiʻi maʻu pē ʻetau paʻanga hū maí, paʻanga kuo fakahū ko e talifakí, mo e palani ki he fakamolé, ʻi he ngaahi fakataha alēlea fakafāmilí. ʻE akoʻi heni ʻetau fānaú ke nau fakatokangaʻi ʻa e kehekehe ʻo e holí mo e fie maʻú, pea palani kimuʻa ki hono fakaʻaongaʻi fakalelei ʻo e ngaahi maʻuʻanga tokoni ʻa e fāmilí” (“Hoko ko ha Kau Tauhi Fakapotopoto Fakatuʻasino mo Fakalaumālie,” Ensign pe Liahona, Mē 2009, 9).

Ngāue fakataha mo ho malí, ʻi he lolotonga hoʻomo fakataha alēlea fakafāmili he uike ní, ke faʻu haʻamo patiseti fakafāmili. Kapau ʻoku teʻeki ke ke mali, pe te ke fie maʻu ha tokoni lahi ange, fealeaʻaki mo haʻo kaungāmeʻa, mātuʻa, mēmipa ʻo e fāmilí, tokotaha tokoni, pe mēmipa ʻo e kulupú. Mahalo te ke fie fakaʻaongaʻi ʻa e “Sīpinga Fealēleaʻaki ʻi he Fakataha Alēlea Fakafāmili” ʻi laló.

Sīpinga Fealēleaʻaki ʻi he Fakataha Alēlea Fakafāmili

Fakapapauʻi ke kamata mo fakaʻosi ʻaki ha lotu ke fakaafeʻi ʻa e Laumālié.

Konga 1: Toe Vakaiʻi

• Ko e fiha ʻokú ke fakamoleki ʻi he faʻahinga takitaha?

• ʻOku hoko fēfē ʻa e ngāue fakapatisetí ko ha ngāue ʻo e tui?

Konga 2: Palani

• Faʻu ha patiseti ʻo fakaʻaongaʻi ʻa e ngaahi fakahinohino ʻi he vahe ko ʻení. Fakafonu ʻa e “Ko ʻEku Patisetí” ʻi he tēpile he peesi 67.

• ʻOku totonu nai hoʻo fakafonu ʻa e faʻahinga takitaha ʻi he patisetí?

• Kapau ʻe fie maʻu, ko e fē te ke lava ʻo fakamole siʻisiʻi ai ʻi hoʻo patisetí kae lava ʻo palanisi pe ke vāvāofi ange ai hoʻo fakamolé mo hoʻo ngaahi fiemaʻú pe ngaahi meʻa mahuʻingá?