“Ko Hono Tokangaʻi ‘o e Fehūʻaki Fakapaʻanga ʻo ʻEku Pisinisí: Ako,” Ko Hono Kamata mo Hono Fakatupulaki ʻEku Pisinisí ke Moʻui Fakafalala pē Kiate Aú (2017)
“Ko hono Tokangaʻi ʻo e Fehūʻaki Fakapaʻanga ʻo ʻEku Pisinisí: Ako”
Ako
Taimi Lōloa Tahá: Miniti ʻe 60
1. Ko e Faikehekehe ʻo e Tupú mo e Fehūʻaki Fakapaʻangá.
Lau:
Kuo mou ʻosi ako ʻoku fie maʻu ʻa e tauhi lekooti fakaʻahó ki he ola lelei ʻa e pisinisí. Ko e taimi kotoa pē ʻoku maʻu ai pe fakahoko ʻe hoʻo pisinisí ha totongi, ʻoku fie maʻu ke ke lekooti ia. Kuó ke ʻosi ako e founga ke faʻu ai ha fakamatala paʻanga hū maí, ʻa ia ʻoku hā ai ha fakamatala fakanounou ʻo e tupu (pe mole) ne aʻusia ʻe hoʻo pisinisí ʻi ha vahaʻa taimi pau. ʻOku fakaʻuhingaʻi ʻa e tupú ko e paʻanga ʻoku toe maʻa hoʻo pisinisí hili hoʻo toʻo ʻa e ngaahi fakamolé mei hoʻo paʻanga hū maí.
Neongo ko ha meʻa mahuʻinga ʻa e tupú, ka ʻoku ʻikai ko ia pē ʻokú ne fie maʻu hoʻo tokanga ko e taha pisinisí. Ko e fehūʻaki fakapaʻangá ko ha meʻa ia ʻoku nofotaha ki hono taimiʻi e fehūʻaki ʻa e paʻangá ki tuʻa mo loto, ʻi hoʻo pisinisí he ʻaho kotoa pē. Ko e fehūʻaki fakapaʻangá ko e toto-moʻui ia ʻo hoʻo pisinisí. Ko e taimi ʻoku ʻi ai ai ha paʻanga ʻi hoʻo pisinisí, te ke lava ʻo fakahoko ha ngaahi meʻa ke tupulaki ai, fai ha ngaahi ʻinivesi, pea mo fakahū ha paʻanga ki ha ngaahi tūkunga taʻe-ʻamanekina pe meʻa fakatuʻupakē.
Mahalo naʻa ʻasi ʻi hoʻo fakamatala paʻanga hū maí ʻoku tupu hoʻo pisinisí, ka ʻe mate kapau he ʻikai ke ʻi ai ha paʻanga feʻunga ke totongi hono ngaahi fatongiá. Ko e ngaahi palopalema ʻo e fehūʻaki fakapaʻangá ko e taha ia ʻo e ngaahi tupuʻanga ʻo e mate ʻa e pisinisí.
2. Ko e Mahino ʻo e Fehūʻaki Fakapaʻangá
Lau:
ʻOku ʻi ai ha faʻahinga fehūʻaki fakapaʻanga ʻe ua:
ʻOku hoko ʻa e fehūʻaki fakapaʻanga leleí ʻi he taimi ʻoku lahi ange ai e lahi fakaʻaufuli ʻo e paʻanga ʻoku hū mai ki hoʻo pisinisí ʻi ha vahaʻa taimi pau, ʻi he lahi fakakātoa ʻo e paʻanga ʻoku hū kituʻa mei hoʻo pisinisí ʻi he lolotonga ʻo e taimi tatau. Ko e meʻa ʻeni ʻoku tau fie maʻú: ko ha fehūʻaki lelei e vilo ʻa e paʻangá.
ʻOku hoko e fehūʻaki fakapaʻanga koví ʻi he taimi ʻoku lahi ange ai e paʻanga fakakātoa ʻoku hū ki tuʻa mei he pisinisí ʻi ha vahaʻa taimi pau, ʻi he paʻanga ʻoku hū mai ki hoʻo pisinisí he lolotonga ʻo e taimi tatau. Ko ha tuʻunga fakatuʻutāmaki mo kovi ʻeni ʻoku totonu ke ke fai leva ha ngāue ki ai ke maʻu ha paʻanga ʻi he vave taha ʻe lavá mo holoki e fakamolé.
Tau vakaiʻi ha sīpinga kehekehe ʻe tolu ke mahino e palopalema ʻo e fehūʻaki fakapaʻangá mo e founga ʻe lava fakaleleiʻi ai ʻe ha taha maʻu pisinisi. Tau pehē ʻoku kamata ʻaki ʻe ha pisinisi ʻi he māhina ha paʻanga ʻe 300. ʻOku meimei ke maʻu ʻe he pisinisí ha paʻanga totongi he Mōnite kotoa pē ko e paʻanga ʻe 200 pea toe 200 he Pulelulú. ʻOkú ne totongi atu ha paʻanga ʻe 300 he Falaite kotoa. ʻOku fakahaaʻi ʻe he sīpinga A ʻi laló ʻa e vilo ʻo e paʻanga fehūʻakí ʻi ha vahaʻa taimi ko e uike ʻe tolu. ʻOku hū mai ʻa e paʻangá pea toe tafe ki tuʻa mei he pisinisí ʻi ha sīpinga mahino.
Sīpinga A: Fehūʻaki fakapaʻanga leleí
Meʻapango, he ʻoku foua ʻe he pisinisi kotoa ha ngaahi meʻa fakaʻohovale mo fakaholomui. ʻOku fakahaaʻi ʻe he sīpinga E ʻa e meʻa ʻoku hoko ʻi he taimi ʻoku ʻikai mateuteu ai ha pisinisi ki ha taimi ʻoku kovi ai e fehūʻaki fakapaʻangá. ʻI he tuʻunga ko ʻení, ʻoku ʻikai totongi ʻe ha ongo kasitomā ʻena moʻuá, ʻo tupu ai ha ʻikai lava ke tānaki ha paʻanga ʻe 400 (ʻoku toe ui pē ko e moʻua ʻoku kovi). Naʻe fakafalala ʻa e taha ʻaʻana e pisinisí ke totongi ʻaki e paʻangá ni ʻa e kau ngāué. ʻOku toe fakahoko foki ʻe he pisinisí ha fakamole fakatuʻupakē kuo pau ke totongi vave.
Sīpinga E: Fehūʻaki fakapaʻanga kovi—taʻe-mateuteu
ʻOku fakahaaʻi ʻe he sīpinga F ʻi laló ʻa e ngaahi meʻa fakaʻohovale mo e palopalema tatau hangē ko e sīpinga E. Ka ʻi he meʻa ko ʻení, ʻoku ʻosi mateuteu ʻa e taha maʻu pisinisí. ʻOku fakafalala ki heʻene line credit ke kei lele ʻene pisinisí. ‘Okú ne totongi ʻa e palanisí ʻaki ʻene kulētití ʻi he vave taha ʻoku lavá.
Sīpinga F: Fehūʻaki fakapaʻanga kovi ʻoku ala hoko—mateuteu
Aleaʻi:
Ko e hā ʻoku akoʻi atu ʻe he ngaahi sīpinga ko ʻení fekauʻaki mo e ngaahi palopalema ʻo hono tokangaʻi ʻo e fehūʻaki fakapaʻangá?
Lau:
ʻOku angamaheni ki he kau maʻu pisinisí ke hoko ha ngaahi palopalema ʻi he fehūʻaki fakapaʻangá. Ko ha niʻihi ʻo e ngaahi palopalema ko ʻení ʻoku kau ai ʻa e:
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Ko e foʻou ʻa e pisinisí, ʻokú ne ʻai ke faingataʻa ke maʻu mo totongi fakamoʻua.
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Ngaahi faingamālie tupulaki, te ne lava ke holoki e lahi ʻo e paʻanga ʻoku maʻú.
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ʻI ai ha ʻinivenitoli, ʻokú ne puke ʻa e paʻangá.
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Kau kasitomā ʻoku nau fakamoʻua, ʻokú ne fakatoloi e lahi ʻo e paʻanga hū maí.
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Ko e fakatau ki ha ngaahi pisinisi ʻoku nau fakamoʻua, ʻokú ne fakatoloi e lahi ʻo e paʻanga hū maí.
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Fetōʻaki e fakatau atú koeʻuhí ko e fakafaʻahitaʻu pe ngaahi meʻa kehe, te ne lava ʻo fakatupu haʻane tō ʻolunga pe tō lalo e lahi ʻo e paʻanga ʻokú ke maʻú.
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Ngaahi fakamole taʻe-ʻamanekina.
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Taʻe-totongi ʻe he kau kasitomā (moʻua kovi).
Aleaʻi:
Ko e hā ha ngaahi palopalema ʻe ala hoko ʻokú ke ʻamanaki ʻe hoko ʻi he fehūʻaki fakapaʻanga hoʻo pisinisí?
3. Ngaahi Founga ki he Fakaleleiʻi ʻo e Fehūʻaki Fakapaʻangá
Lau:
ʻOku lahi ha ngaahi meʻa te ke lava ʻo fai ke hoko ai ha vilo lelei ʻo e fehūʻaki fakapaʻanga ki hoʻo pisinisí pea mo teuteu ki ha ngaahi meʻa fakaʻohovale mo ha ngaahi palopalema ʻe ala hoko. Hangē ko ʻení, te ke lava ʻo muimuiʻi e ngaahi tuʻunga totongi angamaheni ki hoʻo fakatupu koloá. ʻI he ngaahi ngāueʻanga ʻe niʻihi, ʻe lava ke tatali ʻa e kau fakatau koloa maí ʻi ha ʻaho ʻe 90 pe to e lōloa ange kimuʻa pea toki fie maʻu ke nau fai e totongí. ʻOku ʻi ai ha ngaahi ngāueʻanga ʻe niʻihi ʻoku nau fie maʻu ke totongi ʻi loto ʻi he ʻaho ʻe 30. Ko e taimi ʻoku mahino ai kiate koe ʻa e ngaahi founga totongi ki hoʻo ngāué, te ke lava leva ʻo ngāue ke aleaʻi ha ngaahi tuʻunga fakafiemālie ange ki hoʻo pisinisí.
Aleaʻi:
ʻOku meimei ke faʻa fie maʻu ʻe he kau maʻu pisinisí ke maʻu pe tānaki e paʻangá ʻi he vave tahá pea taʻofi e totongi atu ha paʻanga kae ʻoua kuo toki fie maʻu ke nau fai ia. Ko ʻene tuʻú, mahalo ʻe ngali fepaki e tefitoʻi moʻoni ko ʻení mo e akonaki ʻa e Fakamoʻuí “ko e meʻa kotoa pē ʻoku mou loto ke fai ʻe he kakaí kiate kimoutolú, ke mou fai ia kiate kinautolu” (Mātiu 7:12). ʻI hoʻo hoko ko e taha maʻu pisinisí, te ke fakaleleiʻi fēfē ʻa e ngaahi tefitoʻi moʻoni ko ʻení?
Lau:
ʻI hoʻo ngāue ko ia ke fokotuʻu ha fehūʻaki paʻanga lelei maʻa hoʻo pisinisí, ʻoku mahuʻinga ke ke ngāue angatonu. Feinga ke mahino kiate koe ʻa e ngaahi fiemaʻu ki he totongi ki hoʻo ngāué. Poto ʻi hono fokotuʻutuʻu e founga ki hoʻo totongi atú. Feinga ke fokotuʻu ha ngaahi founga totongi atu ʻoku lelei maʻa hoʻo pisinisí. Ko e ʻosi pē hoʻo fokotuʻu e founga fakahoko hoʻo totongí, fakamatalaʻi mahino hoʻo ngaahi fiemaʻú mo tauhi kotoa hoʻo ngaahi tukupaá.
4. Ko Hono Tokangaʻi Maʻu pē ʻo ʻEku Fehūʻaki Fakapaʻangá
Lau:
ʻOku ʻikai feʻunga ke vakaiʻi fakataimi pē e ʻakauni pangikē hoʻo pisinisí mo ʻamanaki ʻoku tonu e ngaahi fiká. ʻOku fie maʻu ke ke mātuʻaki tokangaʻi e fehūʻaki fakapaʻanga hoʻo pisinisí.
ʻI hoʻo hoko ko ha taha maʻu pisinisi leleí, ʻoku totonu ke ke ʻiloʻi e lahi ʻo e paʻanga ʻoku lolotonga maʻu ʻe hoʻo pisinisí ʻi ha faʻahinga taimi pē. ʻOua te ke fakafalala ki he fakamatala pangikeé ke ne tokangaʻi hoʻo fehūʻaki fakapaʻangá. ʻOku ʻikai faʻa ʻasi ʻi he palanisi ʻo hoʻo ʻakauní ʻa e ngaahi totongi lolotongá, hangē ko e ngaahi totongi ʻoku fai ki he kau fakatau koloa mai kia koé pe ko ia ʻoku fai mai ʻe he kau kasitomaá.
ʻOku fie maʻu ke ke fokotuʻu mo fakatonutonu maʻu pē ʻa e fakafuofua ki hoʻo fehūʻaki fakapaʻangá. Hangē ko hono fakamatalaʻi kimuʻá, ko e fehūʻaki fakapaʻangá ko hono taimiʻi ia mo e lahi ʻo e paʻanga ʻoku hū mai mo hū kituʻa ʻi hoʻo pisinisí he lolotonga ʻo ha vahaʻa taimi pau. ʻOku totonu ke hā ʻi hoʻo fakafuofuá e lahi ʻo e paʻanga ʻokú ke ʻamanaki ʻe fehūʻaki ʻi he ngaahi māhina siʻi ka hokó. He ʻikai ke tonu peseti ʻe 100 hoʻo fakafuofuá, ka ʻoku mahuʻinga ke ke fokotuʻu maʻu pē ha fakafuofua ʻoku ofiofi ki hoʻo paʻanga hū mai fakamāhiná, ngaahi fakamole kehekehé, pea mo e ngaahi fakamole paú.
Ko e fehūʻaki fakapaʻanga leleí ʻoku ʻikai hokonoa pē ki ha pisinisi. ʻOku maʻu ia ʻi he ngāue lahi mo e palani maau. Kapau ʻokú ke ʻilo ho tuʻunga fakapaʻanga lolotongá mo e fakafuofua ki hoʻo fehūʻaki fakapaʻanga ʻi he kahaʻú, te ke lava ʻo fai ha ngaahi fili ʻe tokoni ke lelei mo tupulaki hoʻo pisinisí. Ko e kau maʻu pisinisi leleí ʻoku nau tauhi ha paʻanga talifaki ki ha ngaahi fakamole taʻeʻamanekina pea mo faʻa palani ha ngaahi maʻuʻanga kulētiti fakatatau mo e ngaahi fiemaʻu ʻoku fakafuofua ki heʻenau fehūʻaki fakapaʻangá.