Ukuhlelela imingcwabo

2019-10-02 06:00
Uhla lohlelo okungekho namunye okufanele angalunaki.

Uhla lohlelo okungekho namunye okufanele angalunaki.

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UKUCABANGA ngongcwabo wakho kungaba yinto ezwakala ikhwantabalisa — kodwa ukuzihlelela wena umngcwabo wakho kungaba ubuhlakani.

Yize noma ungeke uhlele yonke into ngokuphelele, kunezinyathelo ezimbalwa ongazithatha manje ukuze uqinisekise ukuthi awuthwalisi abanye abantu omthwalo ongenasidingo noma ufake umndeni wakho ngaphansi kwengcindezi engenasidingo.

Ukuqinisekisa ukuthi zonke izindaba zakho zezezimali zime ngendlela yisipho sokugcina ongasipha abathandiweyo bakho ngoba lokhu kuzobanikeza imihlahlandlela nokwesekwa ngesikhathi lapho kufanele babhekane nokulahlekelwa kwabo.

Ukuzitholela ipholisi kamasingcwabisane kufanele kube yinto eseqhulwini ohlwini lwezindaba zakho, ngokusho kwenhloko yezinsiza zamakhasimende ngaphansi komhlinzeki ngosizo lwezimali kwa-African Unity Life Limited, u-Pierre Schoeman.

“Uma usebenzisa umxhumanisi, ofana nabangcwabi, iqembu lasebandleni noma umasingcwabisane womphakathi, kusho ukuthi wena njengomnikazi wepholisi kufanele wazi ukuthi lowo masingcwabisane ungaphansi kwayiphi inkampani kanjalo nenombolo ye-FSP,” kuchaza yena.

“Cabangisisa ngamapholisi omngcwabo ahlukene bese ukhetha leyo ezofanela izidingo zakho zezemali. Yenza ucwaningo ngemihlomulo ehlinzekwa yipholisi leyo ngqo, izomboza bani nokuthi iyabandakanya izinkokhelo zesamba ezikhulu ezengeziwe. Phinda ubheke ukuthi ibhekelela zonke izidingo zomngcwabo wakho, ukuze ukwazi ukuhlinzeka ngezinto okungase kudingeke umndeni wakho uzikhokhele, njengezindleko zokuqhutshwa kwale nqubo. Abangcwabi ngokuvamile baye bengeze izinkokhelo ezahlukene kuleso samba sabo sokugcina. Lokhu kungabandakanya ukuthola isitifiketi sokudlula emhlabeni kukamufi, ukugcina isidumbu kanye nezinye izinsizakalo,” kwengeza yena.

U-Schoeman uphawula ukuthi eminye wemibhalo yenqubomgomo ebaluleke kakhulu owadingayo yi-participation certificate nokufanele yenze uhla lwayo yonke imigomo nemibandela ehlobene nekhava yomgcwabo wakho.

“Le mibhalo yenqubomgomo isemqoka kakhulu, njengoba ibalula ukuthi ubani futhi yini emboziwe yipholisi,” kuchaza yena.

“Esikhathini esiningi, uma befaka isicelo sokukhokhelwa, abantu batshelwa ukuthi umufi ubengamboziwe yipholisi — ngakho phikelela ukuba unikezwe i-participation certificate lapho usuyithathile ipholisi.”

“Kufanele futhi wazi izikhathi zokulinda ezahlukene ngezimbangela zokudlula emhlabeni ezahlukene,” kusho u-Schoeman. “Thola ukuthi sikhona yini isikhathi esilindwayo ngaphambi kokukhishwa kwemali,” kusho yena. Kuyinto ejwayelekile ukuthi abahlinzeki ngomshwalensi bakhokhe imali esikhathini esingamahora angama-48 uma amaphepha adingekayo elethiwe kubona ngesikhathi.

“Uma kwenzeka kuba nokudlula emhlabeni ngendlela engeyemvelo, kuzodingeka ulinde isikhathi sezinyanga eziyisithupha kusukela ngosuku okuthathwe ngalo ipholisi,” kuqhubeka yena. “Uma kwenzeka kuba nokudlula emhlabeni okubangelwe yingozi, asikho isikhathi sokulinda esibekiwe inqobo uma sewuyenzile inkokhelo yakho yokuqala, futhi uma kwenzeka kuba ukuzibulala, isikhathi esilindwayo sekhava yokungcwaba kuba yizinyanga eziyi-12 kusukela ngosuku lokuqala.

“Okubaluleke ngokufanayo, ukutshela isihlobo osiqokile imininingwane yepholisi, kungcono kakhulu uma kuyilowo oqokwe njengomhlomuli, ukuze uqiniseke ukuthi uyokwazi ukuthola wemibhalo yenqubomgomo afana noMazisi wakho, isitifiketi somshado, amapholisi omshwalensi wokuphila nawomngcwabo, kanjalo nencwadi yakho yefa.

Incwadi yefa yimibhalo yenqubomgomo yomthetho lapho udalula khona abantu ofuna bathole ifa lakho emva kokuba ushonile, futhi echaza imicikilisho yokuthi uyafuna umngcwabo nebhokisi longcwabo noma ufuna ukushiswa. Ungaqoka umabiwamafa, ozoqinisekisa ukuthi impahla yakho ihlukaniswa njengokusho kwezifiso zakho. Umabiwamafa uzophinda ahlaziye izimpahla zakho kanjalo nezikweletu ozishiyile.

Uzokhokhela izikweletu osenazo, bese ehlukanisa okusele, njengokwezifiso zakho zokugcina. Uma ungamkhethanga umabiwamafa, inkantolo imqoka — ngokuvamile ilungu lomndeni.

Uma ungakwazi ukuzibhalela incwadi yefa, ungacela ummeli akusize. Amabhange nawo ayaluhlinzeka lolu sizo, ngemali ethile. Kungenjalo, ungadawuniloda isibonelo noma uthenge isibonelo esilula esitolo ezidayisa izincwadi nezinsiza zokubhala. Kubalulekile ukukhumbula ukusayina ikhasi nekhasi lalelo mibhalo yenqubomgomo, kubandakanya ikhasi lokugcina. Kufanele liphinde lisayinwe ofakazi ababili abafanelekile.

Kuwumqondo omuhle, nokho, ukuthi uthole ukwelulekwa ngabomthetho mayelana nokubhalwa kwencwadi yefa ukuze uqiniseke ukuthi zonke izidingo zomthetho uzihlinzekele.

“Uma une-akhawunti yesitolo sezingubo, bheka ukuthi leso sikweletu sinayo ikhava, uma kwenzeka udlula emhlabeni,” kusho u-Schoeman. Lonke lolu lwazi kufanele lufakwe kuphekhi yakho yohlu lwezinto okumele uzenze.

Uhla lwezinto zomngcwabo okufanele uzenze ngokuka-Schoeman, yilezi:

• Yonke imibhalo yenqubomgomo edingekayo ifakwe kufayela futhi anikezwe ilungu lomndeni eliqondene nawo.

• Imibhalo yenqubomgomo yepholisi ne-participation certificate

• Amakhophi awo wonke wemibhalo yenqubomgomo omuntu (kubandakanya uMazisi, isitifiketi somshado noma incwadi yesahlukaniso, kanye nencwadi yefa), kanjalo

• Nohlu lwazo zonke izikweletu nalezo eseziqediwe

• Ungagcini nje ngokubeka la mamibhalo yenqubomgomo endaweni ephephile kodwa phinda ucele ilungu lomndeni noma umngani osondelene nawe akugcinele amakhophi awo.

• Tshela umndeni uqiniseke ukuthi amafomu afanele ayagcwaliswa futhi wonke wemibhalo yenqubomgomo okufanele ahambisane nawo, njengokusho komhlinzeki, alethwe ngokushesha ngangokunokwenzeka. Uma kulethwa isicelo ngokushesha bese wemibhalo yenqubomgomo ahambisana nalo ehlinzekwa kumhlinzeki ngomshuwalensi, lapho-ke kuzoshesha kakhulu ukubekwa kanjalo nokukhokhelwa kwesicelo.

“Njengohlu lwezinto ezibalulekile okumele zenziwe, khumbula ukwenza izinkokhelo zakho njalo ngenyanga,” kunxusa u-Schoeman. “Wengeze ngokuthi ukugcina amarekhodi ezinkokhelo zakho kubaluleke ngokufanayo ngoba awufuni umndeni wakho uphinde ubhekane nolunye usizi obewungalulindele,” kuphetha yena.

Okokugcina, uma kwenzeka imininingwane yakho ishintsha, khumbula ukunikeza umhlinzeki wakho ngomshuwalense ngokushesha.

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