Ako

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Te u lava ʻapē ke fakatau mai ha koloa lahi ange?

Taimí:Seti ʻa uasí ke miniti ʻe 60 ʻa e konga ki he Akó.

Lau:Ko e founga ʻe taha ke fakatupulaki ai ʻetau pisinisí ko hono tānaki atu ngaahi koloa ʻoku fakataua. Kimuʻa pea tau tānaki atu ʻa e ngaahi koloa ʻoku fakataua heʻetau pisinisí, ʻoku fie maʻu ke tau ʻiloʻi pe te tau lava ʻo totongi ia.

Mamata:“Can I Afford More Assets? (Konga I)” (ʻIkai ha vitiō? Lau ʻa e peesi 122.)

Aleaʻi:ʻE lava ke ʻiloʻi fēfē ʻe Malia pe te ne maʻu ha paʻanga feʻunga ke totongi fakafoki ʻa e noó?

Lau:ʻOku fakapapauʻi ʻe he kau pisinisi leleí te nau lava ʻo totongi ʻa e ngaahi fakalelei ki heʻenau pisinisí kimuʻa pea nau toki fai ia.

ʻOku fakatupu paʻanga fakapotopoto ʻa e kau maʻu pisinisi leleí.

Lau:FEHUʻI ʻO E UIKÉ—ʻE lava ke u totongi ha nō ke fakatau mai ʻaki ha koloa?

NGĀUE ʻO E UIKÉ—Te u faʻu ha fakamatala paʻanga fehūfaki ke mahino lelei ange ai ʻa e kahaʻu ʻo ʻeku pisinisí.

Lau:Ko e fakamatala paʻanga fehūfakí ko ha meʻangāue ia ʻe tokoni ke ke vakaiʻi ai hoʻo pisinisí koeʻuhí ke ke lava ʻo ʻiloʻi ʻa e ngaahi founga ke langaki ai hoʻo pisinisí. ʻOku ʻi ai ha sitepu ʻe tolu ki hono faʻu ʻo ha fakamatala paʻanga fehūfakí:

• Sitepu 1 Fakaʻaongaʻi hoʻo ngaahi fakamatala paʻanga hū mai mei he kuo hilí ke vakaiʻi ʻaki e tuʻunga hoʻo pisinisí he kuo hilí.

• Sitepu 2 Vakai ki he kahaʻu hoʻo pisinisí ʻaki hao fai pē kiate koe ʻa e fehuʻi ko ʻení: “ʻE tuʻunga fēfē ʻa ʻeku paʻanga hū mai mo ʻeku ngaahi fakamole ʻi he kahaʻú?”

• Sitepu 3 Fikaʻi ʻa e paʻanga te ke ala maʻu ʻi he kahaʻú.

ʻE lava ha fakamatala paʻanga fehūfaki ʻo tokoni ke ke fili ʻi ha ongo founga kehekehe ʻe ua ke langaki ʻaki hoʻo pisinisí, ʻo hangē ko hano tānaki atu ki hoʻo koloa filí, holoki hoʻo fakamolé, fakalahi hoʻo paʻanga hū maí, mo hano fakafuofuaʻi ha ngaahi nō ʻe ala fakahoko.

Mamata:Mamata ʻi he talanoa lavameʻa ko e “Rosanny: Hot Food” ke ke sio ʻi he founga ʻo e tokoni ʻa e nō ʻa Lōsaní ke fakatupulaki ʻene pisinisí. (ʻIkai ha vitiō? Hiki ki he peesi hono hokó.

Ko e hā ʻa e lahi ʻo e paʻanga ʻoku lolotonga maʻú?

Mamata:“How Much Cash is Available?” (ʻIkai ha vitiō? Hoko atu pē.)

Toe vakaiʻi ʻa e peesi ko ʻení ʻi he hili hoʻo mamata ʻi he vitioó, ke ke lava ʻo manatuʻi ʻa e meʻa naʻá ke akó.

Lau:Koeʻuhí ke ʻiloʻi ʻe Malia ha paʻanga feʻunga ke langaki hake ʻene pisinisí ʻoku fie maʻu ke ne ʻiloʻi ʻa e meʻa ʻe tolu: ko e kuo hilí, ko e kahaʻú, mo e paʻanga fehūfakí.

Te ne lava ʻo ʻiloʻi ʻa e ngaahi meʻá ni ʻe tolu ʻaki haʻane faʻu ha fakamatala paʻanga fehūfaki.

SITEPU 1: Ko e Kuo Hilí

ʻE hiki ʻe Malia ʻa ʻene ngaahi fakamole tuʻu maʻú, ngaahi fakamole kehekehé, pea mo ʻene tupu mo e mole ʻi he māhina ʻe ua kuo ʻosí ʻo fakaʻaongaʻi ʻa ʻene fakamatala paʻanga hū maí.

	Māhina ʻe 2 kuo ʻosí	Māhina Kuo ʻOsí	Māhiná Ko ʻEní	Māhina Ka Hokó	Māhina hono 3	Māhina hono 4	Māhina hono 5	Māhina hono 6
Paʻanga Hū Maí	4400	4400
Ngaahi Fakamole Tuʻu Maʻú	–3300	–3300
Ngaahi Fakamole Kehekehe	–1000	–1000
Paʻanga Tupú (pe Molé)	100	100
Paʻanga Kamatá
Paʻanga ʻoku Maʻú

Aleaʻi:Vakai ki he fakamatala paʻanga fehūfaki ʻa Malia ʻi ʻolungá. Ko e hā ʻoku tala ʻe he ongo māhina ʻe ua kuo ʻosí kia Malia fekauʻaki mo ʻene pisinisí?

SITEPU 2: Ko e Kahaʻú

Fakatatau mo e ngaahi fika mei he māhina ʻe ua kuo hilí, ʻe tohi leva ʻe Malia ʻa ʻene fakakaukau pe ʻe fiha ʻa ʻene paʻanga hū mai ʻi he kahaʻú, ngaahi fakamole tuʻu maʻú, ngaahi fakamole kehekehé, pea mo ʻene tupú pe molé.

	Māhina ʻe 2 kuo ʻosí	Māhina Kuo ʻOsí	Māhina Ko ʻEní	Māhina Ka Hokó	Māhina hono 3	Māhina hono 4	Māhina hono 5	Māhina hono 6
Paʻanga Hū Maí	4400	4400	4400	4400	4400	4400	4400	4400
Ngaahi Fakamole Tuʻu Maʻú	–3300	–3300	–3300	–3300	–3300	–3300	–3300	–3300
Ngaahi Fakamole Kehekehe	–1000	–1000	–1000	–1000	–1000	–1000	–1000	–1000
Paʻanga Tupú (pe Molé)	100	100	100	100	100	100	100	100
Paʻanga Kamatá
Paʻanga ʻoku Maʻú

ʻOku ʻikai ke palani ʻa Malia ia ke fai ha ngaahi liliu ki heʻene pisinisí, pea ʻoku fakakaukau ai ko ʻene paʻanga hū mai mo e ngaahi fakamoli ʻi he māhina ʻe ono ka hokó ʻe tatau pē mo e māhina ʻe ua kuo ʻosí.

Aleaʻi:Vakai ki he fakamatala paʻanga fehūfaki ʻa Malia ʻi ʻolungá. ʻOku liliu ʻa e paʻanga tupu fakamāhina ʻa Maliá?

SITEPU 3: Paʻanga ʻoku Maʻú

Ko e paʻanga kamatá ko e paʻanga ia ʻa Malia ʻi he pangikeé ʻi he kamataʻanga ʻo e māhiná. ʻI he meʻá ni, ʻokú ne kamata ʻaki ʻa e 50.

	Māhina ʻe 2 kuo ʻosí	Māhina Kuo ʻOsí	Māhina Ko ʻEní	Māhina Ka Hokó	Māhina hono 3	Māhina hono 4	Māhina hono 5	Māhina hono 6
Paʻanga Hū Maí	4400	4400	4400	4400	4400	4400	4400	4400
Ngaahi Fakamole Tuʻu Maʻú	–3300	–3300	–3300	–3300	–3300	–3300	–3300	–3300
Ngaahi Fakamole Kehekehe	–1000	–1000	–1000	–1000	–1000	–1000	–1000	–1000
Paʻanga Tupú (pe Molé)	100	100	100	100	100	100	100	100
Paʻanga Kamatá	50	150	250	350	450	550	650	750
	100	100	100	100	100	100	100	100
Paʻanga ʻoku Maʻú	150	250	350	450	550	650	750	850

ʻOkú ne tānaki atu ʻi he māhina takitaha ʻa ʻene tupu fakamāhiná ki heʻene paʻanga kamatá ke maʻu ʻa ʻene paʻanga ʻoku maʻú (50 + 100 = 150).

ʻOku hoko leva ʻa e paʻanga ʻoku maʻú ko e paʻanga kamata ʻi he māhina ka hokó (150).

Aleaʻi:Vakai ki he fakamatala paʻanga fehūfaki ʻi ʻolungá. Ko e hā ʻa e lahi ʻo e paʻanga ʻoku maʻu ʻe Malia ʻi he ʻosi ʻa e māhina ʻe onó?

Lau:ʻI he ʻilo ko ʻeni ʻe Malia ʻa e lahi ʻo e paʻanga te ne ala maʻu ʻi he māhinaʻe ono ka hokó, ʻe lava leva ke ne fili ʻa e ngaahi founga kehekehe ke langaki ai ʻene pisinisí.

Ko e hā ʻa e lahi ʻo e paʻanga ʻoku maʻu ki he totongi ʻo e noó?

Akoako Fakahoko:Tau vakai heni pe ko e hā ʻe hoko ki he paʻanga fehūfaki ʻa Maliá kapau te ne nō ha 1500 ʻi ha māhina ʻe ono ke fakatau mai ʻaki ha fanga moa ʻe 15. Vakai ki he fakamatala paʻanga fehūfaki ʻa Malia ʻi toʻomataʻú. ʻOku maʻu ʻe Malia ha paʻanga fehūfaki feʻunga ki he totongi nō 275? Vakaiʻi mo ha taha ʻa e paʻanga ʻoku maʻu ʻe Maliá.

Aleaʻi:Aleaʻi fakataha mo e kulupú kātoa ʻa e ngaahi fehuʻi ko ʻení: Ko e hā ʻa e meʻa ʻoku totonu ke fai ʻe Maliá? ʻOku sai ke fai ʻe Malia ha nō lahi ange? Te ne lava ʻo tānaki pea fakatau paʻanga pē ʻene fanga moá?

Fakamatala paʻanga fehūfaki ʻa Maliá

1. Koeʻuhí te ne maʻu ha fuaʻimoa lahi ange, ʻoku fakakaukau ai ʻa Malia te ne maʻu ha paʻanga hū mai ʻe 900 pe lahi ange ʻi he māhina takitaha (ko e ia 60 ʻoku tānaki atu ʻi he moa takitaha pea liunga 15). 900 tānaki mo ʻene paʻanga hū mai lolotonga ʻo e 4400 ʻo 5300.

2. ʻOku fakakaukau ʻe hiki hake ʻene ngaahi fakamole tuʻu maʻú ki he 3500 (ko e 200 ia ke nō ʻaki ha pasikala fakataha mo ʻene fakamole lolotonga ʻo e 3300).

3. Kapau te ne toʻo ʻa ʻene noó, ʻe toe ʻi ai pē ʻene fakamole tuʻu maʻu ko e 275 (350 ʻi he ʻuluaki māhiná).

	Māhina ʻe 2 kuo ʻosí	Māhina Kuo ʻOsí	Māhiná Ko ʻEní	Māhina Ka Hokó	Māhina hono 3	Māhina hono 4	Māhina hono 5	Māhina hono 6	Māhina hono 7	Māhina hono 8
Paʻanga Hū Maí	4400	4400	5300	5300	5300	5300	5300	5300	5300	5300
Ngaahi Fakamole Tuʻu Maʻú	–3300	–3300	–3500	–3500	–3500	–3500	–3500	–3500	–3500	–3500
Totongi Noó			–350	–275	–275	–275	–275	–275
Ngaahi Fakamole Kehekehe	–1000	–1000	–1600	–1600	–1600	–1600	–1600	–1600	–1600	–1600
Paʻanga Tupú (pe Molé)	100	100	–150	–75	–75	–75	–75	–75	200	200
Paʻanga Kamatá	50	150	250	100	25	–50	–125	–200	–275	–75
	100	100	–150	–75	–75	–75	–75	–75	200	200
Paʻanga ʻoku Maʻú	150	250	100	25	–50	–125	–200	–275	–75	125

4. ʻOku fakakaukau ʻe hiki hake ʻene ngaahi fakamole kehekehé ʻo 1600 koeʻuhí ko e 500 lahi ange ki he fafangá mo e 100 ki he tufa ʻe hono fakafotú ʻa e fuaʻimoá.

5. ʻI he ʻuluaki māhina ʻe uá, kuo maʻu ʻe Malia ha paʻanga feʻunga ke totongi ʻa e noó.

6. Neongo ia, vakai ki he māhina fakaʻosi ʻe fā ʻo e noó (māhina 3–6). ʻE maʻu nai ʻe Malia ha paʻanga feʻunga ke fai ʻaki ʻene totongi noó kotoa?

7. Ka hili hono totongi ʻosi ʻe Malia ʻa e noó, ʻe foki hake ki ʻolunga ʻene paʻanga tupú. Ka ʻoku fuʻu tōmui nai?

Mamata:“Can I Afford More Assets? (Konga II)” (ʻIkai ha vitiō? Lau ʻa e peesi 123.)

Akoako Fakahoko:Tau vakai heni pe ko e hā ʻe hoko kapau ʻe fai ʻe Malia ha kiʻi nō siʻisiʻi ange ko e: 800 ʻi ha māhina ʻe ono ke fakatau mai ʻaki ha fanga moá ʻe 8. Vakai ki he fakamatala paʻanga fehūfaki ʻa Malia ʻi toʻomataʻú. ʻOku maʻu nai ʻe Malia ha paʻanga fehūfaki feʻunga ki ha nō 800? Vakaiʻi mo ha taha ʻa e paʻanga ʻoku maʻu ʻe Maliá.

Aleaʻi:Aleaʻi fakataha mo e kulupú kātoa ʻa e ngaahi fehuʻi ko ʻení: ʻE lava nai ʻe Malia ke fai ha totongi nō ʻoku lahi ange? ʻOku totonu nai ke ne fai ha nō ʻoku lahi ange?

Lau:ʻI he sīpinga ko ʻení, ʻoku fakaʻaongaʻi ai ʻe Malia ʻa ʻene fakamatala paʻanga fehūfakí ke fakafuofuaʻi pe te ne lava ʻo fakatau ha fanga moa foʻou. Te ne toe lava foki ʻo ngāue ʻaki ʻa e fakamatala paʻanga fehūfakí ke fakakaukauʻi ha ngaahi liliu kehe ki heʻene pisinisí, hangē ko e nō ha pasikalá, fakatau ʻo ha fakaʻilonga foʻou ki he pisinisí, pea fakatau ha fafanga kehe.

Fakamatala paʻanga fehūʻaki ʻa Maliá

1. ʻOku fakakaukau ʻa Malia te ne lava ʻo maʻu ha paʻanga hū mai makehe ʻe 480 ʻi he moa foʻou ʻe 8, ( ko ha 60 makehe ia ʻi he paʻanga hū maí ʻi he moa takitaha pea toki liunga 8). 480 tānaki mo ʻene paʻanga hū mai lolotonga ʻo e 4400 ʻo 4880.

2. ʻOkú ne pehē he ʻikai hiki hake ʻene paʻanga fakamole tuʻu maʻú koeʻuhí he ʻikai ke ne nō fakataimi mai ha pasikala.

3. Kapau te ne toʻo ʻa e noó, ko e fakamole tuʻu maʻu leva ʻa Maliá ko e 150 (250 ʻi he ʻuluaki māhiná).

	Māhina ʻe 2 kuo ʻosí	Māhina Kuo ʻOsí	Māhina Ko ʻEní	Māhina Ka Hokó	Māhina hono 3	Māhina hono 4	Māhina hono 5	Māhina hono 6	Māhina hono 7	Māhina hono 8
Paʻanga Hū Maí	4400	4400	4880	4880	4880	4880	4880	4880	4880	4880
Ngaahi Fakamole Tuʻu Maʻú	–3300	–3300	–3300	–3300	–3300	–3300	–3300	–3300	–3300	–3300
Totongi Noó			–250	–150	–150	–150	–150	–150
Ngaahi Fakamole Kehekehe	–1000	–1000	–1300	–1300	–1300	–1300	–1300	–1300	–1300	–1300
Paʻanga Tupú (pe Molé)	100	100	30	130	130	130	130	130	280	280
Paʻanga Kamatá	50	150	250	280	410	540	670	800	930	1210
	100	100	30	130	130	130	130	130	280	280
Paʻanga ʻoku Maʻú	150	250	280	410	540	670	800	930	1210	1490

4. ʻOku fakakaukau ia ʻe ʻalu hake ʻene ngaahi fakamole kehekehé ʻo 1300 koeʻuhí ko e 250 makehe ki he fafanga moá mo e 50 ki hono fakafotú ke ne tufaki ʻa e fuaʻimoá.

5. Vakai ki heʻene paʻanga ʻoku maʻú. ʻE maʻu nai ʻe Malia ha paʻanga feʻunga ke totongi kotoa ʻaki ʻene noó?

6. Vakai ki he paʻanga tupu mo e mole ʻa Maliá. Fakatokangaʻi ʻoku siʻisiʻi ange ʻene tupú ʻi he lolotonga ʻo e noó ka ʻoku lahi ange ʻi he kimuʻa pea toki fai ʻene noó.

Ko e hā ʻa e lahi ʻo e paʻanga ʻoku maʻu ki heʻeku pisinisí?

Akoako Fakahoko:Faʻu he taimí ni hao fakamatala paʻanga fehūfaki ki hoʻo pisinisí. Kumi ha hoa, pea hiki ʻa e ngaahi sitepu ko ʻení ʻi he fakamatala paʻanga fehūfaki ʻi toʻomataʻú. (Vakai, peesi 109–17 ki ha tokoni.) ʻOku ʻi ai ha ngaahi foomu teʻeki fakaʻaongaʻi lahi ange ʻi he peesi 118. Te ke lava ʻo hiki ʻeni ki hoʻo kiʻi tohi pisinisí.

Fakakaukau ki ha koloa fakataua te ke lava ʻo ʻomi ki hoʻo pisinisí. Fakakaukau pe ko e hā ʻa e tupu lahi ange pe fakamole te ke maʻú.

Kapau ʻoku ʻikai ke ke ʻiloʻi ʻa e fika ke ngāue ʻakí pe ʻoku ʻikai ke ʻi ai hao pisinisi, tokoni ki ha taha ʻoku ʻi ai haʻane pisinisi. Ko e akoako pē ʻeni.

Lau:Te tau talanoa ʻi he ʻosi ʻetau fakataha hoko maí mo ha ngaahi kautaha nō ke ʻiloʻi pe ko e hā ʻetau totongi nō fakafoki ʻe faí. Te tau lava ai ʻo fakakau ʻa e totongi fakafokí ʻi heʻetau fakamatala paʻanga fehūfakí.

Aleaʻi:ʻOku tokoni fēfē hoʻo ʻiloʻi ʻa e paʻanga ʻoku maʻú ʻi hoʻo fai tuʻutuʻuni fekauʻaki mo hoʻo pisinisí? Makehe mei he totongi noó, ʻoku ʻi ai mo ha ngaahi toe founga ʻe lava ai hoʻo ʻilo hoʻo paʻanga fehūfakí ʻo tokoni ke langaki hoʻo pisinisí?

Ko hoʻo fakamatala paʻanga fehūfakí

1. Fakaʻaongaʻi hoʻo fakamatala paʻanga hū maí ke hiki hoʻo paʻanga hū mai mo e ngaahi fakamole ʻi he māhina ʻe ua kuo ʻosí.

2. Hiki ʻa e lahi hoʻo paʻanga hū mai foʻou ʻokú ke pehē te ke maʻu ʻi he māhina ʻe ono ka hokó (paʻanga hū mai ki mu‘á fakataha mo e paʻanga hū mai mei he koloa foʻoú).

3. Hiki ʻa e lahi hoʻo fakamole foʻou ʻokú ke pehē ʻe ʻi ai ʻi he māhina ʻe ono ka hokó (ngaahi fakamole kimuʻá fakataha mo e fakamole ki he koloa foʻoú).

4. Te ke hiki ʻi heni hoʻo totongi noó, ka ʻo kapau ʻoku teʻeki ai ke ke ʻiloʻi, pea tuku pē ke ava he taimí ni.

	ʻI he Māhina ʻe 2 Kuo ʻOsí	Māhina Kuo ʻOsí	Māhina Ko ʻEní	Māhina Ka Hokó	Māhina hono 3	Māhina hono 4	Māhina hono 5	Māhina hono 6
Paʻanga Hū Maí
Ngaahi Fakamole Tuʻu Maʻú
Totongi Noó
Ngaahi Fakamole Kehekehe
Paʻanga Tupú (pe Molé)
Paʻanga Kamatá
Paʻanga ʻoku Maʻú

5. Fikaʻi hoʻo tupú mo e molé ʻaki hano kole hoʻo fakamolé mei hoʻo paʻanga hū maí.

6. Koeʻuhí ke ke ʻilo ʻa e lahi hoʻo paʻanga ʻoku maʻú, tānaki hoʻo tupú (pe kole hoʻo molé mei) he paʻanga kamatá.

7. Ko e taimi te ke ʻilo ai ʻa e lahi hoʻo ʻū totongi noó, te ke lava leva ʻo fakaʻaongaʻi ʻa e laʻipepa paʻanga fehūfaki ko ʻení ke ʻiloʻi pe ʻokú ke maʻu ha paʻanga feʻunga ke fai ʻaki hoʻo totongi noó kotoa.

Ngaahi fakamatala paʻanga fakamāhina ono

Faʻu ha fakamatala paʻanga ke fakahaaʻi ho tuʻunga pisinisi lolotongá. Vakai, peesi 109–17 ki ha tokoni.

PAʻANGA FEHŪFAKI #1: TUʻUNGA LOLOTONGÁ
	ʻI he Māhina ʻe 2 Kuo ʻOsí	Māhina Kuo ʻOsí	Māhina Ko ʻEní	Māhina Ka Hokó	Māhina hono 3	Māhina hono 4	Māhina hono 5	Māhina hono 6
Fakakātoa ʻo e Paʻanga Hū Maí
Ngaahi Fakamole Tuʻu Maʻú
Ngaahi Totongi Noó
Ngaahi Totongi Kehekehe
Fakakātoa ʻo e Paʻanga Tupú/Molé
Paʻanga Kamatá
Paʻanga ʻoku Maʻú

Ko hono hokó, faʻu ha fakamatala paʻanga fehūfaki ʻoku kau ai ha founga ke maʻu mai ha koloa foʻou.

PAʻANGA FEHŪFAKI #2: KOLOA FOʻOU
	ʻI he Māhina ʻe 2 Kuo ʻOsí	Māhina Kuo ʻOsí	Māhina Ko ʻEní	Māhina Ka Hokó	Māhina hono 3	Māhina hono 4	Māhina hono 5	Māhina hono 6
Fakakātoa ʻo e Paʻanga Hū Maí
Ngaahi Fakamole Tuʻu Maʻú
Ngaahi Totongi ʻo e Noó
Ngaahi Totongi Kehekehe
Fakakātoa ʻo e Paʻanga Tupú/Molé
Paʻanga Kamatá
Paʻanga ʻoku Maʻú