Akó—Taimi Lōloa Tahá: Miniti ʻe 45
Fealēleaʻaki ki he ʻAho Ní:
2 Maluʻi Ho Fāmilí mei he Faingataʻá
Mape Lavameʻa ʻi he Fatongia Tauhi ʻo e Ngaahi Meʻa Fakapaʻangá
1. Maluʻi ho Fāmilí mei he Faingataʻá
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Lau:Ko e mateuteú ko ha tefitoʻi moʻoni mahuʻinga ia ʻo e ongoongoleleí. ʻOku talaʻofa mai ʻe he ʻEikí, “ʻo kapau te mou mateuteu, ʻe ʻikai te mou manavahē” (T&F 38:30).
Ka hili hotau fatongia ke ʻuluaki totongi ki he ʻEikí e vahehongofulú mo e ngaahi foaki kehé, ko hotau fatongia hono hokó leva ke ngāue ke maluʻi hotau ngaahi fāmilí mei he faingataʻá. Te tau toki lava pē ʻo fai ʻeni kapau te tau fakatupulaki ha ʻilo ki he kahaʻu lōloá. Te tau ako ‘i he vahe ko ʻení ha sitepu ʻe ua ke maluʻi ai hotau fāmili mei he faingataʻaʻia fakapaʻangá:
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Fokotuʻu ha paʻanga fakatuʻupakē feʻunga mo ha māhina ʻe taha
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Totongi ha paʻanga maluʻi feʻunga
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Aleaʻi:Tuku ha kiʻi taimi ke vakai ai ki he Mape Lavameʻa ʻi he Fatongia Tauhi ʻo e Ngaahi Meʻa Fakapaʻangá. ʻOkú ke pehē ko e hā ʻoku fika ua ai e maluʻi ho fāmili mei he faingataʻá ki he totongi vahehongofulú mo e ngaahi foakí?
2. Fokotuʻu ha Paʻanga Fakatuʻupakē Feʻunga mo ha Māhina ʻe Taha
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Lau:ʻI hoʻo muimuiʻi hoʻo ngaahi fakamolé ʻi ha uike ʻe fā, ʻoku ʻosi totonu leva ke ke ʻiloʻi he taimí ni ʻa e lahi ʻo e paʻanga ʻoku fie maʻu ke ke moʻui ʻaki ʻi he māhina ʻe tahá. ʻOku totonu ke lahi tatau hoʻo paʻanga fakatuʻupakē māhina ʻe tahá mo ʻeni.
ʻOku totonu ke ke fakahū hoʻo paʻanga fakatuʻupakē ki ha māhina ʻe tahá ʻi ha feituʻu malu hangē ko ha ʻakauni pangikē. ʻOua naʻa fakaʻaongaʻi e paʻanga ko ʻení ki ha toe meʻa kehe ka ko e ʻū meʻa fakatuʻupakeé pē. Kapau ʻoku hoko ha meʻa fakatuʻupakē pea kuo pau ke ke ngāue ʻaki ha paʻanga mei hoʻo paʻanga fakatuʻupakē ki he māhina ʻe tahá, kamata he vave tahá ke toe fakahū ha paʻanga ki hoʻo sinoʻi paʻangá kae ʻoua kuo toe kakato ia. Ka hili hoʻo totongi kakato ho moʻua ki he koloa ʻoku fakaʻaongaʻí, te ke kamata leva ke tānaki ha paʻanga feʻunga ke feau hoʻo ngaahi fakamolé feʻunga mo ha māhina ʻe tolu ki he ono (te tau aleaʻi e sitepu ko ʻení ʻi he vahe 9).
‘Oku totonu ke ke ngāue ʻi he vave tahá ke tānaki ha paʻanga ki ha meʻa fakatuʻupakē ke feʻunga mo e māhina ʻe taha. Fakahū ha toenga paʻanga pē te ke maʻu ki hoʻo paʻanga fakatuʻupakeé kae ʻoua kuo kakato. Tatau ai pē pe ʻoku ʻi ai haʻo moʻua, totongi pē siʻisiʻi taha ʻoku fie maʻu ki he moʻuá, kae ʻoua kuó ke fokotuʻu ha paʻanga fakatuʻupakē feʻunga mo e māhina ʻe taha. Ke fakavaveʻi ange ʻa e ngāue ko ʻení, mahalo naʻa fie maʻu ke ke kumi ha ngāue lahi pe ngāue lelei ange, fakatau atu ha ngaahi meʻa ʻoku ʻikai fuʻu fie maʻú, pe taʻofi e ngaahi fakamole taʻeʻaongá.
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Aleaʻi:Ko e hā ha ngaahi tāpuaki ʻe ala maʻu homou fāmilí mei hono fokotuʻu ha paʻanga fakatuʻupakē ki ha māhina ʻe tahá? Ko e hā ʻoku totonu ai ke ke tānaki ha sinoʻi paʻanga fakatuʻupakē kimuʻa peá ke toki totongi ʻosi ho moʻuá?
3. Totongi ha Paʻanga Maluʻi Feʻunga
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Lau:Te ke uesia fakapaʻanga fēfē pe ko ho fāmilí kapau ʻe puke lahi pe faingataʻaʻia fakasino ha taha, pe mate? Ko e hā ha uesia fakapaʻanga ʻo ka hoko ha meʻa hangē ko e vela ʻa e falé pe fakatamaki ʻi ha meʻalele? ʻOku hoko ʻa e faʻahinga faingataʻa ko ʻení, pea kapau ʻoku ʻikai ke tau mateuteu, te nau lava ʻo fakatupu ha palopalema fakapaʻanga lahi fau. Ko e maʻuʻanga maluʻi lelei ki ha faingataʻa peheé ko ha totongi maluʻi. Ko e totongi maluʻí ko ha fokotuʻutuʻu ia ʻoku fakapapauʻi ai ʻe ha kautaha (meimei ko ha kautaha maluʻi) ke totongi huhuʻi ha tokotaha ʻi ha faʻahinga faingataʻa pau kapau te ne tauhi pau ki he paʻanga totongi tuʻumaʻú.
Naʻe akoʻi ʻe Palesiteni N. Eldon Tanner, “ʻOku ʻikai ha meʻa ia ʻe ngali papau ange hangē ko e meʻa taʻe-ʻamanekina ʻi heʻetau moʻuí. ʻI he fakautuutu ange e totongi mamafa ki he meʻa fakafaitoʻó, ko e maluʻi moʻui leleí pē ʻa e founga te ne lava ʻo feau ʻa e fakamole ʻi he ngaahi fakatamaki lalahí, puké, mo e fanauʻi ʻo e fānaú. … ʻOku ʻomi ʻe he maluʻi moʻuí ha paʻanga hū mai hokohoko ʻi he taimi ʻoku mate taʻeʻamanekina ai ʻa e tokotaha ʻoku ngāué. ʻOku totonu ke fakapapauʻi ʻe he fāmili kotoa ke totongi ha maluʻi moʻui ʻoku feʻungá” (“Constancy amid Change,” Ensign, Nov. 1979, 82).
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Aleaʻi:Ko e hā ʻoku matuʻaki mahuʻinga ai ʻa e totongi maluʻí? Ko e hā ha ngaahi tāpuaki ʻe ala maʻu mei hono totongi ha paʻanga maluʻi ʻoku feʻungá?
Ngaahi Lelei ʻo e Totongi Maluʻí
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Lau:ʻE lava ʻa e totongi maluʻí ʻo fakahaofi koe mei he ngaahi haʻahaʻa ʻe ala ʻomi ʻe he ngaahi fakatuʻutāmakí mo e ngaahi faingataʻa kehé.
Faʻahinga ʻo e Maluʻí
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Lau:ʻOku ʻikai fie maʻu ia ke ke maluʻi ʻa e meʻa kotoa pē—ko e ʻuhinga ia ʻokú ke fokotuʻu ai ʻa e paʻanga fakatuʻupakeé mo e paʻanga talifaki kehé. Neongo iá, ka ʻoku matuʻaki mahuʻinga ke ke maluʻi koe mei he faingataʻa ʻe ala fakamamahi fakapaʻangá. Naʻe akoʻi ʻe Palesiteni Marion G. Romney “kuo ʻosi faleʻi kitautolu … ke ʻi ai haʻatau paʻanga talifaki ke feau e ngaahi meʻa fakatuʻupakeé pea totongi mo ha maluʻi ki he moʻui leleí, ʻapí, pea mo ha maluʻi moʻui ʻoku feʻungá” (“Principles of Temporal Salvation,” Ensign, Apr. 1981, 6).
ʻOku kehekehe ʻa e ngaahi faʻahinga ʻo e maluʻí, ka ko e fā angamahení ʻeni:
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Totongi maluʻi koloa: ʻE lava ʻa e totongi maluʻi koloá, hangē ko e kau maʻu ʻapí, kau nofo totongí, mo e maluʻi meʻalelé, ʻo tokoni ke totongi ha fetongi pe monomono ha koloa ʻo ka hoko ha maumau lahi, kaihaʻasi, pe fakaʻauha.
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Totong maluʻi moʻui leleí: ʻE lava ʻa e totongi maluʻi moʻui leleí ʻo tokoni ke totongi e fakamole ki he tauhi ʻo e moʻuí, ʻo kamata mei he sivi moʻui leleí ʻo aʻu ki he totongi ʻo e ngaahi meʻa fakafaitoʻo lalahí. Ko e tokangaʻi ʻo e moʻuí ʻe lava pē ko ha meʻa fakapuleʻanga ia, ka ʻe makatuʻunga ʻi he feituʻu ʻokú ke ʻi aí, pea ʻe malava pē ke kehekehe hoʻomou fie maʻu ki he totongi maluʻi moʻui leleí.
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Totongi maluʻi moʻuí: ʻOku foaki ʻe he totongi maluʻi moʻuí ki ha fāmili ha sinoʻi paʻanga kapau ʻoku mate ha mēmipa ʻo e fāmilí ʻa ia naʻe kau ʻi he totongi maluʻí.
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Totongi maluʻi maʻá e faingataʻaʻia fakaesinó: ʻOku fakapapauʻi ʻe he totongi maluʻi ki he faingataʻaʻia fakaesinó ʻe totongi ha konga ʻo e paʻanga hū mai ʻa e taha ʻoku maluʻí, kapau ʻe faifai ange pea faingataʻaʻia fakaesino ʻo ʻikai toe lava ʻo ngāue paʻanga ʻi ha vahaʻa taimi lōloa.
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Fakamole ki he Totongi Maluʻí
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Lau:Kuo tau maʻu ʻeni ha mahino ki he maluʻí pea mo ha niʻihi ʻo hono ngaahi ʻaongá, tau aleaʻi ha niʻihi hono ngaahi fakamolé. Ko e faʻahinga lalahi ʻe ua ʻo e fakamole ki he totongi maluʻí ko e totongi fakataʻú (premium) mo e fakakongá (deductible).
Ko e totongi fakataʻú ko e mahuʻinga ia ʻo e maluʻí—pe ko e paʻanga ʻokú ke totongi fakahangatonu (meimei ke fakamāhina pe fakataʻu) ki he kautaha maluʻí ka nau maluʻi koé.
Ko e fakakongá ko e lahi ia ʻo e paʻanga ʻokú ke totongi ki hoʻo ngaahi fakamolé (hangē ko e fakamole fakafaitoʻó pe monomono meʻalelé) kimuʻa pea toki totongi ʻe he kautaha maluʻí ʻa e toenga ʻo e fakamolé.
ʻAnalaiso ʻo e Fakamolé mo e ʻAongá
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Lau:ʻI he taimi ʻoku fakafehoanaki ai ʻa e ngaahi palani maluʻí, ʻokú ke feinga ai ke fakafehoanaki ʻa e fakamole te ke totongi ki he maluʻí pea mo e ʻaonga ʻo e maluʻí maʻaú. ʻE ala ʻaonga ke ke fakafehoanaki ʻa e tūkunga lelei tahá mo e tūkunga kovi tahá.
Totongi Fakataʻu Siʻisiʻi Tahá (Ko e Tūkunga Lelei Tahá)
Ke fikaʻi ʻa e totongi fakataʻu siʻisiʻi tahá, liunga hoʻo totongi fakamāhiná ʻaki e māhina ʻe 12 (12 x totongi fakamāhiná), pe sio ki he totongi fakakātoa fakataʻú kapau ʻokú ke totongi fakataʻu pē. ʻOku lau ʻe he tūkunga ko ʻení ʻoku ʻikai ke ʻi ai haʻo meʻa ke maluʻi ʻi he taʻú.
Totongi Fakataʻu Lahi Tahá (Ko e Tūkunga Kovi Tahá)
Ke fikaʻi ʻa e totongi fakataʻu lahi tahá, tānaki hoʻo fakamole fakataʻu siʻisiʻi tahá ki he totongi fakakonga he taʻú (detuctible) ([12 x totongi fakamāhiná] + totongi fakakongá (deductible)). ʻOku mahalo ʻe he tūkunga ko ʻení ʻoku lahi ange e mahuʻinga ʻo e meʻa ʻoku ne maluʻí ʻi he totongi fakakonga he taʻú (annual deductible).
Te ke lava ʻi he fakamatala ko ʻení ke fakafehoanaki ʻa e ngaahi fakamolé ʻi he ngaahi palani takitaha. ʻOku fakahaaʻi ʻe he sīpinga ko ʻení ha founga te ke lava ai ʻo fakafehoanaki ʻa e ngaahi palaní.
Fakakaukau ki he Ngaahi Monūʻia Kehé
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Lau:ʻI he ʻekitivitī naʻa tau toki fakahokó, ne tau vakaiʻi ai ha taha ʻo e ngaahi palani maluʻi ki he ʻapí (totongi maluʻi ʻa e taha nofo totongí). Te tau lava ʻo fakaʻaongaʻi ʻa e faʻahinga founga tatau pē ʻi heʻetau fakafehoanaki e ngaahi maluʻi kehé. Ka neongo iá, ʻoku faʻa ʻi ai ha ngaahi meʻa kehe ke fakakaukauʻi, ʻo ope atu ia he mahuʻinga siʻisiʻi tahá mo e mahuʻinga lahi tahá. Ko ha ngaahi fehuʻi kehe ʻeni ke ʻeke ʻi he taimi ʻoku ʻanalaiso ai ʻa e ngaahi palani totongi maluʻi kehekehé:
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Ko e hā ʻa e ngaahi ngāue pe ngaahi meʻa ʻoku totongi maluʻí?
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Ko e hā ʻa e faʻahinga pea mo e fakangatangata ʻo e totongi maluʻí?
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Ko e hā e ongoongo ʻo e kautaha maluʻí?
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ʻOku ʻi ai ha fakamaʻamaʻa te ke lava ʻo maʻu?
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ʻOku ngalingali ko e hā ʻene ofi taha haʻo totongi pē ʻa e fakamole siʻisiʻi tahá mei ho kató?
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ʻOku ngalingali ko e hā ʻene ofi taha haʻo totongi ʻa e fakamole lahi tahá mei ho kató?
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Aleaʻi ʻa e Paʻanga Fakatuʻupakeé mo e Totongi Maluʻí ʻi Hoʻomou Fakataha Alēlea Fakafāmilí
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Lau:Aleaʻi ha ngaahi founga ʻi hoʻomou fakataha alēlea fakafāmili he uike ní, ke fokotuʻu ha paʻanga fakatuʻupakē feʻunga mo ha māhina ʻe taha. Mou fili foki ʻa e ngaahi palani maluʻi ʻoku mahuʻinga ki homou fāmilí, pea fakatotoloʻi ʻa e ngaahi tuʻutuʻuni ʻo e maluʻí. Mahalo te mou fie fakaʻaongaʻi ʻa e “Sīpinga Fealelēaʻaki ʻi he Fakataha Alēlea Fakafāmili” ʻi laló.
Sīpinga Fealēleaʻaki ʻi he Fakataha Alēlea Fakafāmilí
Fakapapauʻi ke kamata mo fakaʻosi ʻaki ha lotu ke fakaafeʻi ʻa e Laumālié.
Konga 1: Toe Vakaiʻi
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Ko e hā e tuʻunga hoʻo muimuiʻi hoʻo patisetí?
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ʻOku ʻi ai haʻo totongi maluʻi feʻunga? Ko e hā e ngaahi tuʻutuʻuni maluʻi ʻokú ke fie maʻu ʻi ho tūkungá?
Konga 2: Palani
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Kapau ʻoku ʻikai ke ke maʻu ha palani maluʻi ʻoku feʻungá, ko e fē leva ʻa e totongi maluʻi ʻoku totonu ke ke ʻaí? Fakahoko ha ʻanalaiso ʻo fakafehoanaki e fakamole mo e ʻaonga ʻo e ongo palaní (vakai, peesi 97–98).
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Ko e hā te ke lava ʻo fai ke tānaki vave hoʻo paʻanga fakatuʻupakē ki he māhina ʻe tahá?