Mape Lavameʻa ʻi he Fatongia Tauhi ʻo e Ngaahi Meʻa Fakapaʻangá
Vakaiʻi ʻo e Patisetí mo e Fakamolé
Lau:Toe vakaiʻi mo fakatonutonu hoʻo patisetí. Ko e hā ʻa e meʻa ʻoku ngāue leleí? Ko e hā ha tafaʻaki ʻoku fie maʻu ke ke fakatonutonu, kapau ʻoku ʻi ai? ʻE lava ke siʻisiʻi ange ho fakamolé ʻi ha tafaʻaki kae vave ange hoʻo tānaki ki hoʻo paʻanga talifaki fakatuʻupakeé, ʻikai ha toe moʻua, pe tānaki ha paʻanga ki he kahaʻú? Ko e taha hoʻo ngaahi tukupā ʻi he uike ní, ke fakamatalaʻi ʻa e ʻekitivitī ko ʻení he lolotonga e fakataha alēlea fakafāmilí.
Fakalaulauloto:Ko e hā te ke fai kapau te ke fepaki mo ha faingataʻa fakapaʻanga? Ko e hā ha ngaahi faingataʻa fakapaʻanga kuó ke aʻusia ʻi he kuohilí?
Lau:ʻI he Fuakava Motuʻá, naʻe tomuʻa fakatokanga ʻa Siosefa kia Felo ʻe mahu ʻi ha taʻu ʻe fitu, pea ʻe muiaki mai ai ha honge he taʻu ʻe fitu. Naʻe fokotuʻu leva ʻe Felo ha kau ʻōfisa ke tokonaki ha meʻakai mei he ngaahi taʻu mahú ʻo tokateu ki he ngaahi taʻu ʻe honge aí (vakai, Sēnesi 41:1–37). Neongo he ʻikai ke tau maʻu maʻu ai pē ha kikite mahino ki he taimi ʻe faingamālie mo faingatāmaki aí, ka kuo fakalotolahiʻi kitautolu ʻe he kau palōfitá ʻo e kuonga ní ke tau tokateu ki he ngaahi faingataʻá, tautautefito ʻi he taimi ʻoku tokamālie ai e meʻa kotoá.
Te tau ako ʻi he vahé ni ki he meʻa te tau fai ʻi he taimi te tau aʻusia ai ha faingataʻa fakapaʻanga mo e founga ke tau tokateu ai ki he ngaahi faingataʻá kimuʻa pea toki hokó.
Aleaʻi:Ko e hā nai ha faʻahinga faingataʻa fakapaʻanga te ke fepaki mo ia? Hiki ʻa e ngaahi fakakaukau ʻa e kulupú ʻi lalo.
1. Ako ke LEVAʻI E NGAAHI PALOPALEMA Fakapaʻangá
Lau:Ka hoko ha faingataʻa fakapaʻanga, ʻoku totonu ke ʻi ai haʻo palani ngāue ʻoku mahinongofua ke muimui ki aí, ʻo tatau mo ha palani ki ha meʻa fakatuʻupakē pe hao moʻui mei ha velá. Naʻe fehuʻi ʻe ʻEletā Marvin J. Ashton fekauʻaki mo e mapuleʻi ʻo e ngaahi faingataʻá, “Te ke lava nai ʻo tangutu hifo, vakaiʻi ʻa e ngaahi moʻoniʻi meʻa ne hokó, pea hiki kotoa ʻa e ngaahi ngāue ʻe malavá? Te ke lava nai ʻo tala ʻa e tupuʻangá pea fakapapauʻi hano fakaleleiʻanga? ʻE vave ange hono solova e ngaahi palopalemá ʻi he fakakaukauloto fakalongolongó ʻi haʻate ʻita teketekelili” (“Give with Wisdom That May Receive with Dignity,” Ensign, Nov. 1981, 88). ʻI hono tomuʻa fakapapauʻi e founga ke ke ikunaʻi ai e ngaahi faingataʻa fakapaʻangá, ʻokú ke malava ai ke mateuteu fakaeloto mo fakapaʻanga ki he taimi ʻe hoko ai e feʻamokakí pea ʻe tokoniʻi ai koe ke ke taʻofi ha ngaahi faingataʻa ʻi he kahaʻú. ʻOku fie maʻu ha sitepu ʻe ua ki hono mapuleʻi ʻa e ngaahi faingataʻa fakapaʻangá: siviʻi ʻa e tūkungá, pea fakahoko e ngāue ʻoku totonu ke faí.
Aleaʻi:Ko e hā ʻoku mahuʻinga ai ke ke fakapapauʻi he taimí ni ʻa e founga ke mapuleʻi ai ha faingataʻa fakapaʻanga? Kuo tokoniʻi fēfē koe ‘e he Laumālié ke ke fakaleleiʻi ha palopalema ʻi he kuo hilí?
Siviʻi e Tūkungá
Lau:Mahalo te ke fie ʻeke ʻa e ngaahi fehuʻi ko ʻení ke sivisiviʻi ai ha faingataʻa fakapaʻanga ʻe ala hoko:
ʻOkú ke faivelenga ʻi hono totongi hoʻo vahehongofulú mo e ngaahi foakí? ʻOkú ke moʻui taau feʻunga nai ke maʻu e ngaahi tāpuaki ʻa e ʻOtuá?
Ko e hā ha ngaahi fakatokanga tokamuʻa fakavavevave kuó ke ʻosi fokotuʻutuʻu ʻe ala tokoni ke ke fefaʻuhi ai mo e faingataʻa ʻoku lolotonga hokó? Kuo ʻi ai nai haʻo tānakiʻanga meʻakai mo e vai? haʻo paʻanga talifaki fakatuʻupakē? haʻo totongi maluʻi moʻui ʻoku feʻungá?
Ko e fē ha tafaʻaki ʻoku tōnounou ai hoʻo teuteu ki ha tuʻunga fakatuʻupakē?
Ko e hā ha ngaahi tuʻutuʻuni totongi maluʻi ʻokú ke maʻu te ne ala feau ha konga pe kotoa ʻo e ngaahi palopalema ko ʻení?
Ko e hā hano fuoloa ʻo e tolonga hoʻo paʻanga talifaki fakatuʻupakeé?
ʻOku ʻi ai nai ha fakatotoe ʻi hoʻo patisetí mo e palani totongi moʻuá ki ha fanga kiʻi liliu iiki, ʻo ka fie maʻu?
Aleaʻi:Ko e hā ʻoku mahuʻinga ai ke siviʻi fakaʻauliliki ha tūkunga ʻo ha meʻa kimuʻa peá ke toki fai ha ngāue ki ai?
Fakahoko e Ngāué
Lau:ʻOku kehekehe pē ngaahi ngāue te ke ala fai ke tokoniʻi ai koe ke ikunaʻi ho ngaahi faingataʻaʻia fakapaʻangá, ka ʻe makatuʻunga ia ʻi he faʻahinga mo e mafatukituki hoʻo faingataʻa fakapaʻangá. Neongo he ʻikai ʻuhingamālie ʻa e ngaahi ngāué ni ki he tūkunga kotoa pē, ka ʻoku totonu ke ʻoatu ʻe he ngaahi sitepu ko ʻení ha tokoni ki he meʻa ʻe ala fakahoko ʻo ka hoko ha faingataʻa fakapaʻanga.
Fetuʻutaki ki Hoʻo Kautaha Maluʻí
Lau:ʻE ala kau ʻi ha ngaahi faingataʻa fakapaʻanga ʻe niʻihi ha fakatuʻupakē ʻi he tuʻunga moʻui leleí, fakatuʻutāmaki ʻi ha meʻalele, monomono ʻo e ʻapí, pe mole e ngāue maʻuʻanga moʻuí. ʻI he ngaahi tūkunga pehení, kimuʻa peá ke hamumu pe fai ha meʻa kehé, fetuʻutaki ki hoʻo kautaha maluʻí ke nau vakaiʻi e maluʻí. ʻOku ʻikai ʻuhinga hoʻo fehuʻi fekauʻaki mo e maluʻí ko haʻo fakahū ia haʻo ʻeke ha totongi. Ka kapau ʻoku maluʻi, ʻoku totonu leva ke ke lava ʻo ʻilo pe ko e hā e lahi te ke totongí.
Aleaʻi:Ko e hā e faʻahinga faingtaʻa fakapaʻanga ʻoku totonu ke ke fetuʻutaki ai ki hoʻo kautaha maluʻí?
Fakaʻaongaʻi Hoʻo Paʻanga Talifaki Fakatuʻupakeé
Lau:Ko e taumuʻa hoʻo paʻanga talifaki fakatuʻupakeé ke tokoni atu ʻi hoʻo ngaahi faingataʻaʻia fakapaʻangá. ʻOua te ke ongoʻi halaia ʻi hono fakaʻaongaʻi ia ki he ngaahi tūkunga ko ʻení. Te ke lava ʻo ngāueʻaki hoʻo paʻanga talifaki fakatuʻupakeé ki ha meʻa pē te ke fie maʻu—mei he fakamole ki he nofó ʻo aʻu ki he totongi maluʻí. Fakaʻaongaʻi fakapotopoto ia ki he ngaahi meʻa totonu ʻi he taimi totonu. Fakalahi hoʻo paʻanga talifaki fakatuʻupakeé ʻi he vave tahá, kapau kuó ke fakaʻaongaʻi ha paʻanga mei ai.
ʻUluaki Totongi Hoʻo Ngaahi Fakamolé mo e Ngaahi Moʻua Mahuʻinga Tahá
Lau:Vakavakaiʻi fakalelei hoʻo ngaahi fakamolé mo e moʻuá pea fakapapauʻi ʻa e meʻa kuo pau ke tomuʻa totongí mo e meʻa ʻe ala toloi ki ha taimi ʻamui angé ʻa ia ʻe ʻikai fuʻu mamafa hano totongi tauteá. Mahalo naʻa fie maʻu ke ke fetuʻutaki ki he ngaahi kautaha ʻoku nau tohi moʻua maí ʻo vakai pe ʻoku ʻi ai haʻanau taimi fakaʻatuʻi (grace periods) ki ha faingataʻa fakataimi, ngaahi palani ki ha tupu taʻetotongi (interest-free payment plan), pe fakalōloa ʻa e ʻaho ke ʻosi ki ai e totongí. Fakakaukau fakapotopoto ki he ngaahi fakamole te ke ʻuluaki totongí, pea fakatotolo ki he ngaahi nunuʻa kovi hono fakatoloi e totongi moʻuá kimuʻa peá ke toki fai iá. Mahalo naʻa fie maʻu ke tuʻusi fakataimi e ngaahi fakamole taʻeʻaongá, kapau ʻe lava. Tokanga taha ki he meʻakaí, nofoʻangá, ʻuhilá, vaí, kasá, pea mo e fefonongaʻaki ʻaongá, kimuʻa pea toki totongi e ngaahi fakamole kehé.
Aleaʻi:Ko e hā ʻe mahuʻinga taha ai ke ʻuluaki totongi ʻa e ngaahi fakamole naʻe toki hikí?
Fetuʻutaki ki he Ngaahi Kautaha ʻOkú ke Moʻua ki Aí
Lau:ʻI he ngaahi tūkunga vivilí, mahalo naʻa fakapotopoto ke ke fetuʻutaki ki he ngaahi kautaha ʻokú ke moʻua ki aí, ʻo fakamatala ange hoʻo tūkunga lolotongá. Fakatatau ki he palopalemá, mahalo te ke fie kole ange ke nau:
Toloi fakataimi pe holoki ʻa e totongí.
Fakalōloa pe liliu fakaʻaufuli e ngaahi makatuʻunga ʻo e noó.
Neongo ʻe ngali ko e founga pē ʻeni ʻe taha ki he ngaahi palopalema lalahí, ka ke tokanga he ʻe lava ʻe he toloi ʻo e totongí pe liliu ʻo e ngaahi makatuʻunga hoʻo noó ʻo fakatupu ha ngaahi totongi makehe pea toe mamafa ange ai e noó ʻi hono totongi he kahaʻú.
Kumi ha Ngaahi Maʻuʻanga Tokoni Kehe ʻe Lava ʻo Tokoni
Lau:Ko hotau fatongiá ke tokonaki maʻatautolu pea mo hotau ngaahi fāmilí. Ka neongo iá, ʻe ʻi ai pē ha ngaahi taimi kuo pau ke tau fakafalala fakataimi ai ki ha niʻihi kehe. ʻI hoʻo fekumi ko ia ki ha ngaahi maʻuʻanga tokoni kehé, tokanga naʻa faifai kuó ke fakafalala maʻu ai pē ki he tokoní—ʻe hanga ʻe he faʻahinga fakafalala peheé ʻo uesia hoʻo fakalakalaka fakalaumālié mo e fakatuʻasinó. ʻI heʻetau lau ʻa e vahe 2, naʻe akoʻi ai ʻe Palesiteni Sipenisā W. Kimipolo ʻoku ʻi ai ha meʻa ʻe fā ʻi he tokoni fakatuʻasinó te tau lava ʻo tafoki ki ai:
ʻĪmisi
financial reliance
Ko Kita: ʻOku totonu ke ke tomuʻa fai ʻa e meʻa kotoa pē ʻokú ke lavá ke tokonaki maʻa ho fāmilí pea mo fakaleleiʻi ʻa e palopalema ʻoku hokó.
Fāmilí: ʻO ka hili hoʻo ʻosi-kia-velenga ʻiate koe peé ʻoku teʻeki ke ke feau e ngaahi fie maʻu fakapaʻangá, ʻoku totonu leva ke ke kumi tokoni ki ho kāingá ki ha tokoni fakapaʻanga fakataimi, tatau ai pē pe ki he fale nofoʻangá, meʻakaí, pea ko e ngaahi fie maʻu kehé.
Siasí: Ka hili haʻo fai e meʻa kotoa ʻokú ke lavá mo kumi tokoni mei ho fāmilí, mahalo naʻa fie maʻu ke ke talanoa mo ho kau taki ʻi he Siasí (pīsopé, palesiteni fakakoló, pe palesiteni ʻo e Fineʻofá) ke vakaiʻi ha ngaahi founga tokoni kehe. Manatuʻi kuo ʻosi fakahinohinoʻi ho kau taki he Siasí ke nau tokoniʻi e kakaí ke nau moʻui he taimi ʻoku fie maʻu aí, kae ʻikai ko e tōʻonga moʻuí.
Koló: Te ke ala maʻu ha tokoni mei he ngaahi polokalama tokoni fakakoló pe fakapuleʻangá ʻa ia ʻe ala maʻu ai ha tokoni fakapaʻanga pe faleʻi ki ha ngāue maʻuʻanga moʻui, tokoni ʻi he fale nofoʻangá, tokoni ʻi he meʻakai moʻui lelei maʻá e fānau valevalé mo e ngaahi faʻeé, mo e alā meʻa pehē. Manatuʻi ʻoku fakataumuʻa ʻa e ngaahi polokalama pehení ke tokoni fakataimi pē. ʻOua te ke fakafalala maʻu pē ki ai ʻi ha taimi lōloa.
Aleaʻi:Ko e hā ʻoku totonu ai ke tau tomuʻa kumi tokoni ki hotau fāmilí kimuʻa pea tau toki kumi tokoni ki he Siasí mo e koló? Ko e hā ha maʻuʻanga tokoni kuo ʻilo ʻe hoʻomou kulupú ʻoku ala maʻu ʻi homou feituʻú ʻe tokoni ke matuʻuaki e ngaahi faingataʻá?
2. Fakalahi Hoʻo Teuteu ki he NGAAHI MEʻA Fakatuʻupakeé
Lau:ʻOku totonu ke ʻosi ʻi ai pe ʻoku totonu ke ke kamata ngāue ke tānaki ha paʻanga fakatuʻupakē feʻunga mo ha māhina ʻe taha. ʻOku ʻikai totonu ke ngata heni hoʻo teuteú! Feinga ke ke ʻatā mei he moʻua koloá pea tānaki leva haʻo paʻanga talifaki ki he ngaahi meʻa fakatuʻupakē māhina ʻe tolu ki he māhina ʻe ono pea ʻai mo haʻo maluʻi ke maluʻi ʻaki hoʻo paʻanga hū maí.
Tānaki ha Paʻanga Fakatuʻupakē ke Feʻunga mo ha Māhina ʻe Tolu ki he Ono
Lau:Ka hili hoʻo totongi kotoa ho moʻua koloá, ko e sitepu hono hokó leva ke ke fakalahi hoʻo paʻanga fakatuʻupakē ki ha māhina ʻe tahá ke aʻu ʻo feʻunga mo ha paʻanga fakatuʻupakē ki ha māhina ʻe tolu ki he ono. Manatuʻi ke tauhi e paʻanga fakatuʻupakeé ʻi ha feituʻu malu te ke lava ʻo ngāue ʻaki ʻo ʻikai ha toe totongi tautea. Tānaki ʻa e paʻanga ko ʻení ʻi he vave taha te ke lavá koeʻuhí ke ke mateuteu lelei ange ai ki he ngaahi faingataʻa fakapaʻangá. Ko e taha hoʻo ngaahi tukupā ʻi he uike ní ke ke vakaiʻi hoʻo sinoʻi paʻanga fakatuʻupakeé pea hokohoko atu hono totongi ho ngaahi moʻua koloá.
Maʻu e Maluʻi Totonu ki Hoʻo Paʻanga Hū Maí
Fakahinohino: Mahalo naʻa ʻikai ʻaonga ʻa e fakamatala ia ko ʻení ki hoʻo vāhengá pe feituʻú.
Lau:Ko e taha hoʻo ngaahi koloa mahuʻinga tahá ko hoʻo paʻanga hū maí. Fakatotolo ki he ngaahi maluʻi maʻá e faingataʻia fakaesinó mo e moʻuí ʻi homou feituʻú, pea totongi ʻi he vave tahá ʻa e maluʻi ʻoku taau mo hoʻo tūkungá.
Aleaʻi ʻa e Tokateu ki he Ngaahi Faingataʻa Fakapaʻangá ʻi Hoʻomou Fakataha Alēlea Fakafāmilí
Lau:Ko e taha hoʻo ngaahi tukupā ʻi he uike ní, ke aleaʻi hoʻo tali ki he “Vakaiʻi ʻo e Patisetí mo e Fakamolé” (vakai, peesi 147) pea mo hoʻo ngaahi teuteu ki he ngaahi faingataʻa fakapaʻangá. Aleaʻi ʻa e ngaahi meʻa fakatuʻupakē ʻe ala hoko ʻi ho fāmilí, founga te ke lava ai ʻo teuteu ki aí, ko e hā ʻa e maluʻi te ke ala fie maʻu ke tokoni ki hono maluʻi koé, mo e palani ke fetuʻutaki ki he kau ʻeke moʻuá mo e niʻihi ʻokú ke moʻua ki aí, ʻo ka aʻu ki he tūkunga ko iá. Mahalo naʻa fie maʻu ke mou fakaʻaongaʻi ʻa e “Sīpinga Fealēleaʻaki ʻi he Fakataha Alēlea Fakafāmili” ʻi laló. Manatuʻi, kapau ʻoku ʻikai ke ke mali, ʻe ala kau ʻi hoʻo fakataha alēlea fakafāmilí haʻo kaungāloki, kaungāmeʻa, mēmipa ʻo e fāmilí, pe ha taha fai fakahinohino.