Iirhafu zasekuhlaleni zimela enye yezona ndlela zingqalileyo abemi basekuhlaleni baxhasa ngazo uluntu lwabo, kodwa iziphumo zazo zibangelwa yimali yoqingqo-mali yendlu ngendlela edla ngokungabonwa. Ukusuka kwirhafu yempahla efakwe kwirente yenyanga kwimali yokuthengisa edityisiweyo kwimali yakho, ezi rhafu ziguqula indleko yokuphila, ubunjani benkonzo kawonke-wonke, kwaye izigqibo zemali ezisetyenziswa zisetyenziswa zize zisetyenziswe mihla le. Ukuqonda indlela irhafu yerhafu eyimfuneko ngayo nabani na olawula indlu, oceba umsebenzi wokuhamba, okanye azame nje ukuyiqonda indawo abahlala kuyo. Eli nqaku lihlolisisa inkcitho yerhafu yerhafu yasekuhlaleni, iziphumo zemali yemihla ngemihla, kunye neenkqubo ezisebenzayo zokulawula le nxalenye engenakuphepheni yale mihla.

Iyintoni Irhafu Yasekuhlaleni?

Iirhafu zerhafu zengingqi zinyanzelekile zikhutshwa ngamaqumrhu karhulumente asezantsi, imimandla, izikolo, iilokishi, kunye neengingqi ezikhethekileyo .ukunikela iinkonzo kunye nezibonelelo ezinganikelwayo ngurhulumente okanye oorhulumente bephondo. Ngokungafaniyo norhulumente okanye urhulumente wezorhulumente, irhafu yasekuhlaleni ibotshelelwe kwimida yelizwe elithile, ithetha ukuba isantya kunye nesakhiwo kungatshintsha ngokuphawulekayo xa uwela umgca wesixeko okanye ufudukela kwiphondo elingummelwane. Ngokwe-.S. UKhafungxwa-mali yoNyaka yoRhulumente yoRhulumente yoRhulumente inguPhondo, iqokelela i-Rhohoqo ngekota, i-RGOficerfulkthi, i-omatilithi e-9% yemveliso yoluntu, kodwa iphantsi koburhulumente obungamela imali kunye nendlela oyisebenzisa ngayo.

Iintlobo Zerhafu Zasekuhlaleni

Iindlela zolawulo lwerhafu zasekuhlaleni azinakusetyenziswa. Ziyahluka-hluka ngokomthetho wesizwe, umgaqo-siseko wommandla, kunye nemvume yovoti. Ukuqonda iindidi ezingundoqo kunceda ucacise apho imali yakho ihamba khona kwaye kutheni ezinye iindleko ziziva zinzima kunezinye.

Irhafu Yempahla

Irhafu yempahla yeyona mithombo mikhulu yerhafu yasekuhlaleni eUnited States, ityala elingaphezu kwama-70% ayo yonke iminikelo yerhafu yasekuhlaleni kwamanye amazwe. Irhafu ihlawulwa kwifashoni yelizwe (ilizwe nezakhiwo) ngokusekelwe kwixabiso lepropati yepropati. Irhafu, idla ngokuchazwa njengexabiso eliphezulu (imali-mali elingana nexabiso lerhafu lemali-mali efumana i-R1, ibekwa ngurhulumente yasekuhlaleni ukuze ixhase izikolo, amapolisa kunye nokhuseleko lomlilo, ukugcinwa kweenqanawa, amathalari, nepaki. Ngenxa yokuba amaxabiso ezinto ayahluka kakhulu, abanini bezindlu ezihlala ezihlala ezihlala eziphandleni eziphezulu, ngokufuthi bahlawula ngaphezu kwezo zasemakhaya, kwanexabiso elifanayo. Abahambi bavakalelwa kukuba iindleko zerhafuthelo lwemali ezibhaso kwiindawo eziqeshiweyo, iimali zemali zemali eziqeshiweyo, kodwa iimali ezithenjiweyo ezithenjiweyo ezithenjiweyo.

Irhafu

Iirhafu ezixhaswa yimali esetyenziswa ekuthengeni iimpahla ezininzi nezinye iinkonzo. Irhafu zorhwebo zobulali zongezwa ngqo kwirhafu karhulumente, ngoko ke isantya sonke singasuka kumgangatho ongaphantsi kwe 5% ukuya kwi 10% sixhomekeke kwisixeko okanye kwiphondo. Kumaphondo anjengeTennessee, Louisiana, kunye ne-Alabama, iirhafu zongezwano zinokutyhala inani elidityanisiweyo ngaphezu kwe-10%. Le rhafu ichaphazela ngokuthe ngqo imali enjengaleyo yemihla ngemihla (amazwe apho ukutya kuhlawulwa khona irhafu), impahla ye-elektroniki, ii-elektroniki, kunye nokutyela ngaphandle kwe-evenkile. Ngenxa yokuba irhafu i-mali ehlawulwa yimali ehlawulwayo i-ehlawulwa yimali ehlawulwa yimali yerhafu.

Irhafu yemali ehlawulwayo

Nangona ingekho qhelekileyo kunerhafu nerhafu, irhafu yengeniso yasekuhlaleni ikho kumazwe amalunga nama-5 000 kulo lonke elase-United States. Zidla ngokunqanyulwa kwimivuzo kwaye zisenokuba zipesenti engqukuva okanye zinokuba ngabaphumeleleyo. Izixeko ezinjengesiXeko saseNew York, iPhiladelphia, iDetroit, kunye noomasipala abaninzi eOhio nePennsylvania zinyanzela ukuba kuhlawulwe irhafu yerhafu yemali ekhoyo. Le rhafu inciphisa ingeniso ehlawulwa ngqo, ichaphazela ingeniso ehlawulwa kunye nemali ehlawulwayo.

Iingcinga Ezikhethekileyo Nabanye AbaLevi

Iindleko ezikhethekileyo zikhongozelelwa kumnini mhlaba ukuphuculwa kwempahla eyingenelo ngqo kwimpahla yabo, njengeendleko ezintsha, izibane zesitrato, intsebenziswano yogutyulo, okanye ukuphuhliswa kwepaki. Ngokungafaniyo nerhafu yempahla jikelele, iirhafu zexesha elinye okanye iirhafu zexesha eliqingqiweyo ezisekelwe kwinzuzo ethile efunyenweyo. Ezinye iirhafu zasekuhlaleni ziquka irhafu yehotele (ehlawulelwa abakhenkethi kodwa ezichaphazela iindleko zobundwendwe), iirhafu ye-atric (kumbane, igesi, okanye ukusetyenziswa kwamanzi), irhafunxa yezithuthi zemoto, kunye nerhafu yeshishini.

Indlela Iinkonzo zemali zerhafu zasekuhlaleni

Iirhafu zasekuhlaleni aziyontlawulo engaqhelekanga, kwaye ziyindlela yemali yeenkonzo ezixhomekeke kumaMelika yonke imihla. Umgangatho kunye nokufumaneka kwezi nkonzo kuchaphazela iindleko zendlu ngokucutha imfuneko yokusebenzisa ezinye iindlela zabucala okanye ukunyanzelisa abemi ukuba bahlawule ngaphandle kwengxowa xa iinkonzo zikawonke wonke zinganele.

K-12 Imfundo

Izikolo zikawonke-wonke zininzi kakhulu kumathala erhafu yempahla yasekuhlaleni. Kumazwe amaninzi, izikolo zixhomekeke kwirhafu yempahla yasekuhlaleni ngenxa yoqingqo-mali lwazo olungaphezulu kwesiqingatha. Isithili sesikolo esimi kakuhle sitsala iintsapho kwaye sigcine amaxabiso empahla, kodwa kwakhona zifuna irhafu ephezulu. Ngokuchasene noko, isithili esinezinto ezincinane zingazama ukunikezela ubuncwane obaneleyo, kukhokelela abazali ukuba bacinge ukuba isikolo sibhaliswe okanye bafundise iindleko zemali zempahla zangasese, kodwa zikhutshelwe ngokuthe ngqo yirhafu yerhafu yasekuhlaleni. Ngokutsho kwe-[FFLT:0] Ugcino-lwazi lwerhafu ephantsi kwemali [, umlinganiselo ngemali echithwayodwa ngamawaka eendleko phakathi kwemimandla yasekuhlaleni, enxulumene ngqo nerhafuthelo yempahla yasekuhlaleni.

Ukhuseleko

Amapolisa, amasebe omlilo, iinkonzo zongxamiseko, kunye nokunyanzeliswa kwemithetho yezonyango, kuxhaswa ngokuyintloko ngerhafu yasekuhlaleni. Iindawo eziphantsi koqingqo-mali lokhuseleko lukarhulumente olunamandla zidla ngokuthambeka zinokuba nexabiso eliphantsi lolwaphulo-mthetho kunye namaxesha okusabela ngokukhawuleza, ukunciphisa iindleko ze-asethi-ntelligences kubemi (umz., iinkqubo zokhuseleko, iinkcitho eziphezulu ze-inshorensi, okanye iindleko zezothutho zonyango). Iindawo eziphantsi kwezi nkonzo zinokutshintshela kwiindleko zabemi ngokwe-inshorensi ephezulu okanye ngokwemfuneko yokuziqeqeshiweyo zokhuseleko lokhuseleko.

Izakhiwo Nezothutho

Iirhafu zasekuhlaleni zigcina izitrato, iibhulorho, iimpawu zeenqwelo-mafutha, iindlela ezihamba ecaleni, kunye neenkqubo zokuthutha abantu. Iindlela eziququzelelweyo zinciphisa ukuphelelwa nokukrala kwaye ziphucula ukusebenza kakuhle kwepetroli, zigcina izithuthi zingamakhulu eerandi ngonyaka. Ngokwahlukileyo, abantu abanyanzeleke ukuba basebenzise imali eninzi ekulungiseni imoto, ekufakeni iimoto, nasekubeni kuncitshiswe imoto. Ukuhanjiswa kwabantu ngerhafu kunganciphisa iindleko zemali ezihlawulwa yimizi ehlala ngaphandle kwemoto yesibini.

IMiphaka, Ithala leencwadi, NeeNkqubo zoLuntu

Ii-arhente zerhafu zasekuhlaleni zixhasa iipaki zikawonke-wonke, amaziko okuzonwabisa, amaqula okuqubha, amathala eencwadi, amaziko aphezulu, neenkqubo zenkcubeko. Ezi nkonzo zinikela iindleko eziphantsi okanye ezikhululekileyo kumalungu obuqu, imisebenzi yasemva kwesikolo, kunye nokuzonwabisa. Xa ingxowa yeerhafu yasekuhlaleni, iintsapho zigcina ingeniso eninzi elahlwayo ngenxa yezinye izinto eziza kuqala.

Impembelelo Engqalileyo Kwindleko Zamihla Le

Iirhafu zasekuhlaleni zichaphazela uqingqo-mali lwendlu ngeendlela ezicacileyo nezichuliweyo. Ezi zilapha ziinkcitho eziphambili apho irhafu yasekuhlaleni idlala indima ebalulekileyo.

Iindleko zendlu

Irhafu yepropati yexabiso elithe ngqo kubaninimzi kunye nexabiso elingangqalanga kubaqeshi. Kwimimandla ephezulu yerhafu njenge-New Jersey, ene-avareji yexabiso lerhafu yempahla ye 2.23% yexabiso lekhaya, ikhaya elithwala irhafu yonyaka emalunga neerandi ezingama-$9,000. Le rhafu iguqulela kwixabiso lendlu. Abarhwebi bahlawula le rhafu ngexabiso eliphezulu, kwaye baqesha imali yentengiso ilungelelane nemali yabo yerhafu. Iintsapho, ukufuduselwa kwimithetho ephantsi yerhafu kuyakwazi ukukhulula amakhulu eerandi, kodwa kudla ngokuthi banikele ngexabiso lendlu, izikolo eziphezulu, okanye abantu basedolotten.

Ukuthenga Nokutya

Qho xa uthenga izihlangu, utya kwivenkile yokutyela, okanye uthenga izinto zasekhaya, irhafu yentengiso yasekuhlaleni yongeza kwisimbuku. Kwizixeko eziphezulu ezinerhafu ezifana neChicago, urhulumente kunye nomgangatho wasekuhlaleni ungaphezulu kwe 10.25%, ithetha ipesenti yentengo emalunga ne-$10.25. Ngaphezu konyaka, intsapho echitha ii-$3,000 ngenyanga kwimpahla ezihlawulwayo kunye nenkonzo ingahlawula imali eyongezelelekileyo yerhafu yerhafu yasekuhlaleni xa ithelekiswa nentsapho ekummandla osezantsi njenge Coloradow Springs (enomlinganiselo odityaniswe yi-8% okanye ngaphantsi). Lo mahluko unciphisa ngqo amandla okusetyenziswa kwemali esemthethweni.

Uthutho kunye noManejari

Iirhafu zezothutho zichaphazela iindleko zezithuthi ngemijelo emininzi. Irhafu yerhafu (ngokufuthi ehlawulwa kumgangatho welitha kunye neyasekuhlaleni) inyusa ixabiso ngelitha. Iirhafu zempahla okanye iirhafu zokubhalisa, ezihlawulwa minyaka le, ezihlawulwa kwamanye amazwe, zongeza kwindleko yemoto. Ngaphezu koko, irhafu yentengiso ethengwayo yokuthenga inqwelo-mafutha entsha okanye esetyenziswayo yongeza amawaka eerandi kwintengiso. Irhafu yothulo-mali yoluntu kwirhafu yasekuhlaleni iyakwazi ukuhlawula ezi ndleko, kodwa kuphela kubantu abasebenzisa le nkonzo.

Impilo ne-inshorensi

Ngoxa irhafu yasekuhlaleni ithe ngqo, irhafu yempembelelo yezonyango yezonyango yesithili (esetyenziselwa ukuxhasa izibhedlele zikawonke-wonke) kunye nerhafu yempahla exhasa amasebe ezempilo. Iindawo ezinenkqubo yempilo kawonke-wonke engekho mgangathweni zingabona inkcitho ephezulu okanye ukusetyenziswa okuthe rhoqo kwendlela yokunyamekela igumbi longxamiseko. Iirhafu zemali zikwayimali ehlawulwayo kunye neenkonzo ze-EMS, ezinokuchaphazela inkcitho yemali ye-inshorensi ye-inshorensi yomnini-mali engcono ekhokelela ekuthothobeni kwe-ISO (I-ofisi yeeNkonzo zezemali) kunye neemali ezihlawulwa ngokucucinekileyo.

Umahluko wengingqi kwirhafu yasekuhlaleni

Enye yezona ngongoma zibalulekileyo ekuqondeni impembelelo yerhafu yasekuhlaleni yahlukile. Iintsapho ezimbini ezifumana ingeniso enye kwiindawo ezahlukeneyo zelizwe zinokuba nemithwalo yerhafu eyahluke kakhulu, ngenxa yoko, iingeniso ezahlukeneyo zokulahlwa.

Iziko loshishino lwasedolobheni eliphezulu-lentix

Izixeko ezinkulu ezifana neNew York, iSan Francisco, iChicago, neLos Angeles zidibanisa iirhafu eziphezulu zempahla, iirhafu eziphezulu, kwaye ngokufuthi irhafu yengeniso yasekuhlaleni. Ngokomzekelo, abemi besiXeko saseNew York bahlawula irhafu yengeniso yasekuhlaleni efikelela ku-3,876% kwirhafu karhulumente neyamagunya. Irhafu yempahla nayo iyanyuka. Oku kwenza ukuba kubekho indleko ephezulu yokuphila enyanzelisa amakhaya ukuhlawula imali eninzi kwirhafu, ukunciphisa imali ehlawulwayo kunye nemali ehlawulwayo.

Iingingqi zasemaphandleni nabemi baseSubran

Ubalo lwasemaphandleni kunye noomasipala abaninzi abancinane bagcina irhafu iphantsi ukuze batsale abemi namashishini. Umzekelo, iindawo zaseTexas azinayo irhafu yengeniso yemali efunyenweyo kunye nerhafu yempahla engaphantsi kwe-1.5%. Iirhafu ezithengiswayo kwiindawo ezisemaphandleni zisenokuba zincinane. Noko ke, irhafu ephantsi yerhafu idla ngokuthi inciphe iinkonzo zikawonke-wonke----awundilikiyo ngexesha likaxakeka, ugcino-mendo oluqhelekileyo, kunye nokuzonwabisa okuncinane. Abahlali kufuneka balinganisele urhwebo phakathi kwerhafu yerhafu esezantsi nexabiso lenkonzo.

Imimandla ekhululekileyo yerhafu kunye nezithili ezikhethekileyo

Le mimandla iyakwazi ukunciphisa irhafu yeendawo ezikhethekileyo zerhafu, kodwa itshintshela kwezinye iindawo okanye kwimibutho yerhafu.

Irhafu Yasekuhlaleni Efihlakeleyo Nengagungqiyo

Ngaphandle kweendidi ezingundoqo, iirhafu ezininzi ezingabonwayo zasekuhlaleni zichaphazela inkcitho yemihla ngemihla.

  • Irhafu yexabiso eliphantsi: Izixeko ezininzi ze-lev irhafu kumbane wakho, igesi yendalo, amanzi okanye uthutho lwemali oluninzi (ngokufuthi ipesenti engqukuva yongezwano ngalunye lwanyanga. Oku kunyusa indleko yokugcina ikhaya lakho likhanyisiwe, lishushu, kwaye libaleka.
  • [ Ukuhlala kwirhafu: Ngelixesha ihlawulwa kakhulu ngabahambi, lerhafu (ngokufuthi 3-8% yesantya segumbi) kwandisa ixabiso lokhenketho lwasekuhlaleni, oluchaphazela amashishini nabasebenzi basekuhlaleni.
  • [[NTLA:0] Irhafu ye-alcohol kunye nerhafu yecuba: Maxa wambi oorhulumente basekuhlaleni badibanisa iirhafu zabo ezitshayelelayo kwimveliso yotywala, yecuba, okanye ye-cannabis, ukunyusa amaxabiso ngokuphawulekayo.
  • Irhafu yexesha lokuqesha: Ukuphendula kukwanda kwe-Airbnb ne-VRBO, izixeko ezininzi ngoku zirhafisa iirente zexeshana elifutshane, ezinokuthi zandise iindleko zabemi abaqesha amagumbi okanye amakhaya ngamaxesha athile.
  • [[UMTHLO:0] Ukunyusa kunye nemibhaka-bhaza: Iindleko zokupaka zasekuhlaleni, ukuxinana, kunye neendlela zomngcipheko ziyimali yomsebenzisi esebenzayo njengerhafu, eyongeza kwiindleko zezithuthi.

Le rhafu ifihlakeleyo idla ngokuba ncinane ngobukhulu kodwa yongezelelwa. Indlu ingahlawula ii-$2,200 ngonyaka kwirhafu eziluncedo kuphela, kunye neerhafu ezingamakhulu aliqela kwimirhumo yokupaka imoto, ii-afrears zokubhalisa iimoto, kunye nerhafu ezikhutshwayo.

Ukungahlawuli Irhafu Nokudelelwa Kwabemi

Iirhafu ezininzi azikho kwiintsapho zasekuhlaleni, zikhulula abantu, ziboleka iityala okanye zinciphisa impembelelo yamaqela athile.

  • Ukungahlawuli kwasekhaya: Amazwana amaninzi avumela abanini-makhaya ukuba bakhululeke kwirhafu yexabiso lendlu yabo, ehlisa ixabiso elihlawulwayo. Oku kujoliswe kwizindlu eziphambili ukunceda abanini-khaya. Abanini-ndlu.
  • ummi osisikhuseli nokhubazeko olukhululekileyo: Amafemfe (ngokoqobo angaphezulu kwama-65) kunye nabemi abakhubazekileyo bangakufanelekela ukuhlawulwa kwetyala lerhafu yempahla okanye ukunyuka komkhenkce ngesantya.
  • Ikhulula irhafu ngokwezinto eziyimfuneko: Amanye amazwe akhulula ukutya, amayeza kagqirha, kunye nempahla kwirhafu yentengiso, nangona imigaqo-siseko yasekuhlaleni isenokuzihlawula ezi zinto kwezinye iimeko.
  • Ityala lerhafu elihlawulwayo: Amadolobha ambalwa anika iimali zerhafu zengeniso efunyenweyo okanye iityala zezindlu ezifumana imali ephantsi ukuncedisa ukuhlawula irhafu yengeniso yasekuhlaleni.
  • [[UMTL:0] Irhafu egqithisileyo: Abanye bavumela abaphezulu ukuba bavumele abaphezulu babambe irhafu yempahla de ikhaya lithengiswe, bekhulula uxinzelelo lwemali.

Kubalulekile ukuba uhlale wazi ngale nkululeko. Uninzi lwabemi abakhankanyiweyo kuba abazazi ukuba zikho. Iiwebhsayithi zikarhulumente zasekuhlaleni neeofisi zokuvavanya irhafu zinikela iifomu, kodwa kufuneka uphando olunemisebenzi.

Ukuphatha Irhafu Yakho Yasekuhlaleni

Ngoxa ungenakuyiphepha ngokupheleleyo irhafu yasekuhlaleni, unokuthabatha amanyathelo okunciphisa imiphumo yayo kwimali yakho.

Yazi Irhafu Yasekuhlaleni

Qalisa ngokuphanda irhafu kunye nemigaqo-nkqubo kwisixeko sakho nakwingingqi yakho. ITshowulofu Foundation ipapasha uqingqo-mali lwaminyaka le [[FLT: 0] lwe-Akhawunti yeTaxial Ranlistral ebonisa ukuba baninzi kangakanani abemi abahlawula njengepesenti yengeniso. Ukwazi isantya serhafu esisebenzayo kuyanceda ngoqingqo-mali kunye nocwangciso lwexesha elide.

Ityala lerhafu elikhutshiweyo

Ukuba indawo ohlala kuyo iyakuvumela, sebenzisa ii-akhawunti zeHealth Savings (HS As), i-akhawunti yokuThinatha Imali (njenge-FS), okanye iminikelo yokuthatha umhlala-phantsi ukunciphisa ingeniso ehlawulwayo yasekuhlaleni apho isetyenziswa (ingakumbi kwirhafu yengeniso yasekuhlaleni).

Cela Irhafu Yempahla Yakho

Ukuba ixabiso lekhaya lakho libonakala liphezulu ngokunxulumene nentengiso yakutshanje, unokuzifaka isibheno. Abanini-ndlu abaninzi banciphisa irhafu ngokunempumelelo ngokunika inkcazelo efanayo yentengiso okanye ubungqina bezinto ezisisiphene.

Ukuthenga Ngengqondo Ngerhafu

Kwimimandla enerhafu ephezulu yentengiso yasekuhlaleni, qwalasela ukuthenga izinto ezinkulu (ii-appliance, ii-elektroniki, ifanitshala) kumthetho ophantsi werhafu ukuba ikho ngokusemthethweni. Ukuthenga nge-intanethi kungabangela ukuba “irhafu” inikwe irhafu, kodwa ukunyanzeliswa komthetho kuyahluka.

Ukuxhasa Urhulumente Wasekuhlaleni

Ukubakho kweentlanganiso zebhunga lesixeko, ukuvota kunyulo lwasekuhlaleni, nokuxhasa okanye ukuchasa amanyathelo okuthelekelela irhafu. Inkqubo yerhafu yasekuhlaleni ibunjwa ngumvoti. Unyulo olusemthethweni lunganyanzela izakhiwo zerhafu ezithe tye kunye nenkcitho ebekelwe ityala.

Utyekelo Lwexesha Elizayo Lokuhlawula Irhafu

Irhafu yasekuhlaleni ixhomekeke kwizinto ezininzi eziza kutshintsha indlela abemi abayifumana ngayo le rhafu kwiminyaka ezayo.

  • Umsebenzi wokuhlawula kunye ne-exus yerhafu: Njengoko abantu abaninzi besebenza ekhaya, umbuzo wemali efunyenweyo uba nzima. Ezinye izixeko zizama ukurhafisa abasebenzi abangekho kwingingqi ekude, nto leyo ekhokelela kumadabi asemthethweni kunye notshintsho olunokwenzeka apho irhafu yengeniso yasekuhlaleni isebenza khona.
  • Iirhafu zeenkonzo ze-pigital:[ iinkonzo eziqukunjelweyo, ukubhalisa kwe-software, kunye nezibhengezo zamanani zijoliswe kwirhafu yasekuhlaleni. Oku kwandisa isiseko serhafu kodwa kwandisa iindleko zabathengi.
  • ulungiso lwerhafu olugqithisileyo: amaxabiso asekhaya anyukayo axhokonxa ubizo lwemiqolomba kwirhafu yempahla okanye ukukhululeka okuninzi okugqithisileyo ukuthintela ukushenxiswa kwabemi bexesha elide.
  • Irhafu yexabiso: irhafu yekharbon, inkcitho yamanzi oqhwithela, kunye nohlolo oluluhlaza oluvelayo njengoko utshintsho lwemozulu yoorhulumente basekuhlaleni. Oku kuza kudibanisa iindleko zexabiso kunye nempahla kwixesha.
  • [[UMTHWELO:0] Uqokelelo oluzenzekelayo kunye norhwebo lwerhafu:[[FT:1] ubugcisa obuphuculiweyo buzakwenza kube nzima kubathengi bengingiselwano kwi-intanethi ukunqanda ukuqokelela irhafu yasekuhlaleni, okunokwenzeka ukucutha ixabiso lomba ngamnye njengesiseko solwandiso.

Isiphelo

Irhafu yengingqi yenkcitho yenkcitho yemali yengingqi nganye. Baxhasa iinkonzo ezibalulekileyo ezixhomekeke kwiimeko zemali zoluntu, kodwa bakwanyanzela iindleko ezithe ngqo nezinokuhlawulelwa kwiintsapho. Ngokuqonda iintlobo ezahlukeneyo zerhafu yasekuhlaleni, ukuqonda impembelelo yazo kwizindlu, ukuthenga, kunye nezinye iindleko zemihla ngemihla, kwaye bahlale benolwazi ngentengiselwano kunye neenguqu zenkqubo, abantu ngabanye bangenza izigqibo zemali ezingcono. Enoba ungumfundi ofundayo, umfundisi-fundisi olungiselela isifundo, okanye ubuchule bokuphatha imali, ukuhlolisisa imithwalo yerhafuthelo yasekuhlaleni sisixhobo esinamandla. Kwixesha lokunyuka kokungalingani nokutshintsha kwendlela yomsebenzi, incoko emalunga noko kuhlawuleyo, kwaye kubaluleke ngakumbi. Inyathelo lokuqala liyazi into ekufuneka ukuba uhlawule ngayo.