“Ko Hono Fakamavahevaheʻi e Paʻanga ʻo ʻEku Pisinisí mo ʻEku Paʻanga Fakafoʻituituí: Ako,” Ko Hono Kamata mo Hono Fakatupulaki ʻEku Pisinisí ke Moʻui Fakafalala pē Kiate Aú (2017)
“Ko Hono Fakamavahevaheʻi e Paʻanga ʻo ʻEku Pisinisí mo ʻEku Paʻanga Fakafoʻituituí: Ako”
Ako
Taimi Lōloa Tahá: Miniti ʻe 60
1. Ko Hono Tokoniʻi Fakatouʻosi ʻEku Pisinisí mo Hoku Fāmilí
Mamataʻi:
“Opportunity of a Lifetime? Konga 1,” ʻoku maʻu ʻi he srs.lds.org/videos (ʻIkai ha vitiō? Lau e fakamatala ʻi he fakaʻosinga ʻo e konga ko ʻení.)
Aleaʻi:
Naʻe fie tokoni ʻa Maʻake ki hono tuofefiné, ka ʻokú ne toe fie fakalahi foki mo ʻene pisinisí. ʻOkú ke pehē ko e hā ʻoku totonu ke fai ʻe Maʻaké?
Lau:
Naʻa tau aleaʻi ʻi he uike kuo ʻosí hono mahuʻinga ʻo e tauhi ha lekooti fakaʻaho ʻo ʻetau paʻanga hū maí mo e ngaahi fakamolé. ʻOku mahuʻinga hono tanumaki ʻo e ʻulungaanga ko ʻení ki hano fokotuʻu ha pisinisí. ʻE fakamatalaʻi ʻe he vahé ni, ha toe ʻulungaanga mahuʻinga ʻe taha ʻa ia ko hono tauhi mavahevahe ʻetau paʻanga pisinisí mei heʻetau paʻanga fakafoʻituituí.
2. Ko Hono Fakamavahevaheʻi ʻEku Paʻanga Pisinisí mo ʻEku Paʻanga Fakafoʻituituí
Mamataʻi:
“Opportunity of a Lifetime? Konga 2,” ʻoku maʻu ʻi he srs.lds.org/videos (ʻIkai ha vitiō? Lau e fakamatala ʻi he fakaʻosinga ʻo e konga ko ʻení.)
Aleaʻi:
Ko e hā ʻoku tau ako mei he foʻi vitiō ko ʻení fekauʻaki mo hono tauhi mavahe e paʻanga ʻo ʻetau pisinisí mei heʻetau paʻanga fakafoʻituituí?
Lau:
Totongiʻi koe. Ko e taimi ʻe kamata ke maʻu ai ha paʻanga ʻe hoʻo pisinisí, ʻe fie maʻu ke ke fakakaukauʻi pe ʻe anga fēfē haʻo totongiʻi koe. ʻOku kamata ha kau maʻu pisinisi tokolahi ʻaki haʻanau totongiʻi kinautolu ʻaki ha kiʻi vahe siʻisiʻi, ʻa ia ʻe lava ke fakalahi ʻi he tupulaki ʻa e pisinisí mo mālohi fakapaʻangá.
ʻAi ha ngaahi ʻakauni pangikē kehekehe. ʻOku totonu ke ʻalu e paʻanga ʻokú ke totongiʻi ʻaki koé ki hoʻo ʻakauni pangikē fakafoʻituituí. ʻOku totonu ke kehe ʻa e ʻakauni ko ʻení mei he ʻakauni pangikē hoʻo pisinisí.
ʻOua te ke kaihaʻa mei hoʻo pisinisí. Ko e kau maʻu pisinisi leleí ʻoku ʻikai ke nau toʻo ha paʻanga mei he ʻakauni pangikē ʻenau pisinisí ke tokoniʻi fakapaʻanga ʻaki e fāmilí pe ngaahi kaungāmeʻá.
Mamataʻi:
“Opportunity of a Lifetime? Konga 3,” ʻoku maʻu ʻi he srs.lds.org/videos (ʻIkai ha vitiō? Lau e fakamatala ʻi he fakaʻosinga ʻo e konga ko ʻení.)
Aleaʻi:
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ʻOkú ke pehē naʻe fai ʻe Maʻake ʻa e meʻa totonú? Ko e hā hono ʻuhingá?
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Ko e hā ha meʻa kuó ke ako fekauʻaki mo e pehē “ʻikai” ʻa ia te ne tokoniʻi koe ʻi hoʻo hoko ko e taha maʻu pisinisí?
Lau:
ʻOku mahino ki he kau maʻu pisinisí ʻoku fie maʻu ke nau fakahū ha paʻanga telia ha ngaahi palopalema pe ngaahi faingataʻa ʻe hoko pea mo tokoniʻi foki ʻenau pisinisí ke tupulaki. Ko e taimi ʻoku fakakaukauʻi ai ke tokoniʻi fakapaʻanga ha taha, ʻoku totonu ke tau fakapotopoto ʻi hono fakafuofuaʻi e ngaahi fakangatangatá mo e ngaahi tūkunga moʻoni. ʻOku totonu ke tau fakafalala pē ki he ngaahi maʻuʻanga tokoni fakafoʻituituí pea ʻoua naʻa teitei fakaʻaongaʻi e paʻanga ʻo e pisinisí. Ko e meʻatēpuú, ʻoku fie maʻu ke tau fakapapauʻi ko ʻetau pisinisí ko ha “fale ʻo e maau” (T&F 88: 119).
3. Ko e Totongi Vahehongofulu ʻi Heʻeku Paʻanga Hū Maí
Lau:
ʻOku tau maʻu ha ngaahi tāpuaki maʻongoʻonga mei he totongi vahehongofulu ʻi heʻetau paʻanga hū maí. Kapau te tau fakamavahevaheʻi ʻetau paʻanga pisinisí mo ʻetau paʻanga fakafoʻituituí, ʻe faingofua ange ke tau fikaʻi ʻetau vahehongofulú. Manatuʻi e ngaahi tefitoʻimoʻoni ko ʻení:
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Tauhi ʻa e paʻanga ʻo e pisinisí mo e paʻanga fakafoʻituituí ʻi ha ʻakauni pangikē kehekehe.
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Totongi vahehongofulu ʻi he paʻanga hū mai fakafoʻituituí (hangē ko e vāhenga) ʻokú ke maʻu mei hoʻo pisinisí.
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ʻOku ʻikai vahehongofuluʻi ʻa e paʻanga ʻi hoʻo pisinisí. ʻOku totonu ke ke fakaʻaongaʻi e paʻanga ko iá ke totongi ʻaki e ngaahi fakamole ʻo e pisinisí, ngaahi vahé, pea mo e ngaahi faingamālie fakatupulaki ʻo e pisinisí.
4. Ko Hono Tauhi ha Ngaahi Lekooti Mavahevahé
Lau:
Makehe mei he ʻi ai ha ongo ʻakauni pangikē mavahevahe ki hoʻo paʻanga fakafoʻituituí mo e paʻanga ʻo e pisinisí, ʻoku totonu ke ke toe tauhi foki ha ongo lekooti mavahevahe. ʻOku tauhi ʻe Maʻake Peili ha ongo lekooti fakaʻaho ʻo e paʻanga kotoa ʻoku hū mai ki heʻene pisinisí pea mo e paʻanga kotoa ʻoku hū ki tuʻá. ʻOkú ne toe tauhi foki ha ongo lekooti fakaʻaho ʻo e paʻanga kotoa ʻoku hū mai ki hono fāmilí pea mo e paʻanga kotoa ʻoku hū kituʻa. ʻOku ui ʻa e ongo lekooti ko ʻení ko e loka ki he paʻanga hū maí (revenue) mo e fakamolé (ki he fakaʻaongaʻi ʻa e pisinisí mo e loka ki he paʻanga hū maí (income) mo e fakamolé (ki he fakaʻaongaʻi fakafoʻituituí).
Aleaʻi:
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Ko e fē tafaʻaki hono fakamavahevaheʻi e paʻanga pisinisí mo e paʻanga fakafoʻituituí naʻe faingataʻa tahá?
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Ko e hā ha faʻahinga ʻilo te ke lava ʻo maʻu mei he fakamatala paʻanga hū mai e pisinisí mo e fakamatala paʻanga hū mai fakafoʻituituí?
Lau:
ʻOku tauhi ʻe he kau maʻu pisinisi leleí ha ngaahi lekooti fakaʻaho pea fakaʻaongaʻi kinautolu ke fai ha ngaahi fili fakapotopoto ʻi he pisinisí. Neongo ʻoku ʻikai fiefia ha kau maʻu pisinisi tokolahi ʻi he tauhi lekōtí, ka ʻoku nau ai ia ke nau angaʻaki pea mo fakamuʻomuʻa koeʻuhí he ʻoku nau ʻiloʻi ko e tonu ko ia e fakamatala ki he paʻanga hū maí mo e fakamolé, ʻe tokoni ia ke lelei ʻenau pisinisí mo tupulaki.
ʻOku faʻa ngāueʻaki ʻe he kau maʻu pisinisi foʻoú ha spreadsheet pe meʻangāue ʻi he ʻinitanetí ke tauhi maau ʻenau lekōtí. ʻI he tupulaki hoʻo pisinisí, ʻe ʻuhinga leva kiate koe ke ke ʻinivesi ʻi ha founga tauhi tohi lelei ange pe ʻai ha taha tauhitohi ke lava ʻo feau e ngaahi fiemaʻu hoʻo pisinisí. Neongo ʻe ʻi ai haʻo meʻangāue pe taha tauhitohi ke ne tokangaʻi hoʻo ngaahi lekooti fakapaʻangá, ka ʻoku fie maʻu ke ke maʻu ha mahino fakangāue ki he ngaahi fakaikiiki ʻi he ngaahi lekooti ko iá pea mo hokohoko vakaiʻi kinautolu.
Te tau ngāue mālohi ʻi he uiké ni ke ʻai ha ongo ʻakauni mavahevahe pea mo taʻofi e fehālaaki angamaheni ʻo e femoʻuekina lahi ʻi he ngaahi fatongia fakapisinisí ʻo tau taʻetokanga ai ki he tauhi lekooti mahuʻinga fakaʻahó.