“Ko Hono Fakapaʻanga ʻo ʻEku Pisinisí: Ako,” Ko Hono Kamata mo Hono Fakatupulaki ʻEku Pisinisí ke Moʻui Fakafalala pē Kiate Aú (2017)
“Ko Hono Fakapaʻanga ʻo ʻEku Pisinisí: Ako”
Ako
Taimi Lōloa Tahá: Miniti ʻe 60
1. ʻOku Ou Maʻu ha Paʻanga ke Fakatupu?
Lau:
Kuo tau ako ʻoku ngāue ʻa e kau maʻu pisinisí ke vilohi takai lelei e fetāfeaki ʻa e paʻangá. ʻI he palani fakalelei mo e vilitakí, ʻoku nau maʻu ai ha paʻanga feʻunga ke pukepuke pea mo fakatupulaki ʻenau pisinisí. ʻOku nau ʻilo honau tuʻunga fakapaʻanga lolotongá, pea ʻoku nau fakatonutonu maʻu pē ʻenau tūkufua ki he fehūʻaki fakapaʻangá. ʻOku nau tokanga “ke fai ʻa e ngaahi meʻá ni kotoa pē ʻi he fakapotopoto mo maau” (Mōsaia 4:27).
ʻIkai ngata ai, ʻoku kumi ha kau maʻu pisinisi tokolahi ki ha fakapaʻanga ke teke e ngaahi faingamālie ke tupulakí hangē ko ia ne tau ako ki ai ʻi he vahe 9. Kapau te ke pehē ke kumi ha fakapaʻanga ki hoʻo pisinisí, te ke ʻuluaki fie maʻu ke mahino e fakaikiiki ʻo hoʻo fehūʻaki fakapaʻangá, tautautefito ki he paʻanga ʻoku lolotonga fakaʻaongaʻi ʻe hoʻo pisinisí mo ia ʻoku tuʻu ke ne fakaʻaongaʻí. ʻOku mahuʻinga ke ke fakapapauʻi ʻoku ʻi ai ha paʻanga feʻunga hoʻo pisinisí ke kei lava ʻo lele, matuʻuaki ha faʻahinga tūkunga fakatuʻupakē, mo tupu fakatatau mo hoʻo ngaahi taumuʻá.
2. Ko e Nō Paʻangá ʻOku Lelei pe Kovi?
Lau:
Ko e moʻua fakafoʻituituí mo e moʻua fakapisinisí ʻokú na faikehekehe. ʻOku faʻa ngāueʻaki e nō fakafoʻituituí ki ha fakamole ʻoku laka ange ʻi he meʻa ʻoku tau malava ke totongí. ʻOku totonu ke ngāueʻaki e nō fakapisinisí ke maʻu ai ha meʻa lahi ange ʻi he meʻa ʻoku lava ʻe hotau iví. Kuo faleʻi kitautolu ʻe he kau taki ʻo e Siasí ke tau fakaʻehiʻehi mei he nō pe moʻua fakafoʻituituí. Naʻe pehē ʻe ʻEletā Siosefa B. Uefilini: “ʻOku ʻi ai ha moʻua ʻe niʻihi—hangē ko ha ʻapi feʻunga pē, ngaahi fakamole ki he akó, mahalo ko ha fuofua kā ʻe fie maʻu—ʻe lava ke fie maʻu. Ka ʻoku ʻikai totonu ke tau nofo pōpula fakapaʻanga ʻi he fakamoʻuá taʻe-fakakaukauʻi hono ngaahi nunuʻá” (“Earthly Debts, Heavenly Debts,” Ensign or Liahona, May 2004, 41).
Aleaʻi:
Fakakaukau ki ha taha ʻokú ke ʻiloʻi naʻá ne nō ha paʻanga ke fakaʻaongaʻi fakafoʻituitui. Naʻe tokoniʻi ia ʻe he meʻá ni pe uesia ia?
Lau:
ʻOku totonu ke tau tokanga ʻi he taimi ʻoku tau fakakaukauʻi ai ha moʻua fakapisinisi. Ka ko e taimi ʻoku tokangaʻi fakapotopoto aí, “ʻoku hoko e nō pe moʻua fakapisinisí ko e taha ʻo e ngaahi ʻelemēniti ki he tupulakí” (Ngaahi Akonaki ʻa e Kau Palesiteni ʻo e Siasí: ʻĒsela Tafu Penisoni [2014], 272).
ʻOku meimei ke faʻa fie maʻu ʻe he pisinisi kotoa ha paʻanga fakalahi, ke tupulaki. Ko e kau maʻu pisinisí ʻoku meimei ke nau maʻu ha paʻanga fakalahi mei haʻanau paʻanga pē ʻanautolu pe nō fakapaʻanga pe fakapaʻanga ʻaki e ʻīkuitií. ʻOku ʻuhinga e fakapaʻanga ʻo e moʻuá ko hano fai ha nō fakapisinisi pea toki totongi fakataha mo e tupu. ʻOku ʻuhinga e fakapaʻanga ʻīkuitií ko hano maʻu ha paʻanga ʻi ha maʻu fakakonga ʻo e kautahá.
ʻI he meʻa ʻe niʻihi, ʻoku maʻu ai ʻe he kau maʻu pisinisí ha paʻanga tokoni fakapuleʻanga (grants) pe paʻanga mei ha ngaahi maʻuʻanga tokoni kehe. Ko e ngaahi paʻanga ko ʻení ʻoku meimei ke ʻikai toe fie maʻu ia ke totongi fakafoki.
3. Ngaahi Faingamālie Fakapaʻanga ki Heʻeku Pisinisí
Lau:
Ko e kau maʻu pisinisí ʻoku nau mohu fakakaukau mo mohu founga ʻi he tānaki e paʻanga ʻoku fie maʻu ke fakatupulaki ʻaki ʻenau pisinisí. ʻOku lahi e ngaahi founga ke maʻu ai e paʻanga ʻokú ke fie maʻú. ʻOku vahevahe ʻe he konga ko ʻení kinautolu ki ha tuʻunga ʻe tolu. ‘Oku tokanga ʻa e tuʻunga 1 ki he ngaahi paʻanga ʻoku faʻa ʻuluaki fakaʻaongaʻí, hangē ko hoʻo paʻanga fakatāutahá. ʻOku vakaiʻi ʻe he tuʻunga fika 2 ha ngaahi maʻuʻanga tokoni fakapaʻanga kehe ki he moʻuá. ʻOku fakamatalaʻi ʻe he tuʻunga fika 3 ha ngaahi founga fakapaʻanga ʻoku ʻikai fuʻu ʻiloa ʻe lava ke ʻaonga ki ha kau maʻu pisinisi ʻe niʻihi.
Tuʻunga 1: Ngaahi Maʻuʻanga Tokoni Fakapaʻanga Angamaheni
Lau:
Ko e lahi taha ʻo e kau maʻu pisinisí ʻoku nau fuofua fakapaʻanga ʻenau pisinisí ʻaki ʻenau fakafalala ki heʻenau paʻanga fakafoʻituituí, ʻaki ʻenau feilaulau (ʻo nau fai pē ʻe kinautolu e ngāué kae ʻikai toe fakafalala ki ha tokoni mei tuʻa), pea mo fai ha ngaahi nō pe paʻanga naʻe ʻinivesi mei ha kau mēmipa ofi honau fāmilí pe ngaahi kaungāmeá. ʻOku fakaʻatā ʻe he ngaahi fili ko ʻení ke nau fai ha ngaahi tuʻutuʻuni fakavavevave pea mo faingofua ʻenau puleʻi e tupu ʻa ʻenau pisinisí.
Tuʻunga hono 2: Maʻuʻanga Fakapaʻanga ki he Moʻuá
Lau:
Makehe mei hono fakaʻaongaʻi ʻo e ngaahi maʻuʻanga paʻanga fakafoʻituituí, ʻoku tokolahi ha kau maʻu pisinisi ʻoku nau kumi paʻanga ʻaki haʻanau kole, pe fakamoʻuá. ʻE lava ke tokoni ʻa e ngaahi fehuʻi ko ʻení ʻo tataki e fili ke kole paʻangá:
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Ko ʻeku noó ke fakatupulaki ʻeku pisinisí, kae ʻikai ki ha ngaahi ʻuhinga fakafoʻituitui?
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Ko ʻeku noó ke poupouʻi ha pisinisi ʻoku mātuʻaki taʻemalava ke tuʻuloa?
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ʻOku tonu ʻa e taimí ke fuesia e tuʻunga fakatuʻutāmaki ko ʻení?
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ʻOku ou ongoʻi fiemālie ʻi he ngaahi tuʻunga ʻo e nō te u maʻú?
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ʻOku ou nooʻi e lahi totonú?
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Te u lava nai ke totongi fakafoki e noó mo kei fakalele ʻeku pisinisí ʻi ha tuʻunga ʻe siʻi ai haʻane tuʻu fakatuʻutāmaki ki ha fehūʻaki lelei ʻa e paʻangá?
Aleaʻi:
Tau pehē ʻokú ke fakakaukau ke nooʻi ha paʻanga ki hoʻo pisinisí. Aleaʻi fakakulupu pe ʻe founga fēfē hano tokoniʻi koe ʻe he ngaahi fehuʻi takitaha kimuʻá ʻi hoʻo filí.
Lau:
Ko e kaati fakamoʻuá (credit cards) ko e maʻuʻanga tokoni angamaheni taha ia ki he fakapaʻanga ʻo ha moʻua, ka ʻoku lahi honau totongi tupú. Ko ha fili faingofua ange ʻa e line of credit he ʻokú ne fakaʻatā ʻa e kau maʻu pisinisí ke nau puleʻi ʻene fetōʻaki ʻenau ngaahi fiemaʻu he fehūʻaki fakapaʻangá. ʻOku toe ʻatā foki e nō pangikeé, ngaahi nō īkí, mo e fenōʻaki ʻi he ngaahi pisinisí, ka ʻoku faʻa fiemaʻu ai ha ngāue lahi ʻi he kole noó.
Tuʻunga fika 3: Ngaahi Maʻunga Tokoni Fakapaʻanga ʻOku Tātā-taha
Lau:
ʻOku faʻa lava ʻe he kau maʻu pisinisí he taimi ʻe niʻihi ke kumi ha ngaahi founga fakapaʻanga kehe, hangē ko ʻene hā atu ʻi he saati ʻi laló. ʻOku kehekehe pē ngaahi foungá ni ʻo fakatatau mo e ngāue ʻoku faí pea mo e faʻahinga faingamālie fakapisinisí. ʻOku ʻikai ko ha meʻa angamaheni ʻeni ia ki ha tokolahi ʻo e kau maʻu pisinisi īkí.
4. Ko Hono Kumi ʻo e Ngaahi Faingamālie Fakapaʻangá
Lau:
Ko hono kumi e ngaahi maʻuʻanga paʻanga lelei taha maʻa hoʻo pisinisí ʻoku fie maʻu ai ha ngāue taʻetuku. ʻOku kehekehe lahi fau e tuʻuʻanga ʻo e ngaahi maʻuʻanga tokoni fakapaʻangá, ko ia ʻoku mahuʻinga ai ke ke talanoa mo e kakai ʻokú ke falala ki ai ʻi hoʻo ngaahi fetuʻutaki fakafoʻituituí pea mo e fakakoló. ʻOku ngalingali ʻe faitokonia hoʻo fekumí ʻe he maʻuʻanga tokoni ʻo e ʻinitanetí, puleʻangá, mo e fakakoló.
Aleaʻi:
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Ko e hā e ngaahi kautaha fakalotofonua pe fakapuleʻanga te ne ʻoatu ha fakahinohino pe ngaahi maʻuʻanga tokoni ki he fakapaʻanga hoʻo pisinisí?
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Ko e hā ha ngaahi maʻuʻanga tokoni fakaʻinitaneti te ne lava ʻo ʻoatu ha fakahinohino ki he fakapaʻanga ha pisinisí?
5. Ko e Angatonú ʻi he Fengāueʻaki Fakapaʻangá
Lau:
ʻOku pehē ʻe he tefito ʻo e tui hono hongofulu mā tolú ʻoku mau tui ʻoku totonu ke angatonu. Ko e fengāueʻaki fakapaʻangá ʻoku makatuʻunga ia ʻi he fefalalaʻaki mo e angatonu fakafoʻituitui. ʻOku ʻuhinga ʻa e angatonú ko ʻetau fakahoko ʻa ʻetau ngaahi aleapaú pea taʻofi ha faʻahinga tōʻonga kākā pē.
Kapau ʻoku tau kole ha paʻanga, ʻoku totonu ke tau fakapapauʻi ke totongi fakafoki ia. Hangē ko hono fakamanatu mai ʻe he ʻEikí kiate kitautolu ʻi he Tokāteline mo e Ngaahi Fuakavá, “Kapau te ke kole ha meʻa mei ho kaungāʻapí, ke ke fakafoki ʻa e meʻa naʻá ke kolé” (T&F 136:25).
Kapau ʻoku tau maʻu e paʻanga ki heʻetau pisinisí ʻaki ha nō, mei he kau ʻinivesitoá, pe ʻi ha paʻanga tokoni, ʻoku totonu ke tau ngāueʻaki e paʻanga ko iá ki he taumuʻa naʻe foaki mai aí, kae ʻikai ko ha toe taumuʻa kehe. Ko e taimi ʻoku foaki mai ai ʻe he niʻihi fakafoʻituitui pe ngaahi kautaha ha paʻanga maʻa ʻetau pisinisí, ʻoku totonu ke nau lava ʻo falala te tau tauhi ʻetau aleá.
Kuo ʻosi faleʻi kitautolu ke tau fakamamaʻo mei ha ngaahi aleapau fakapaʻanga ʻoku ʻikai mahino kiate kitautolu, ʻoku fuʻu ʻasi lelei ke ala hoko, ʻoku tupu ai ha fepaki ʻi heʻetau faitotonú, pe tupu ai hano fehuʻia ʻetau angatonú pe ʻi ha ngaahi tuʻunga ʻoku ʻikai fakalao.
Aleaʻi:
Ko e hā kuó ke ako fekauʻaki mo e faitotonu ʻi he ngaahi meʻa fakapaʻangá mo e fakaʻehiʻehi mei he ngaahi tōʻonga kākaá?