Kumqoka ukwazi kabanzi ngesicelo somhlalaphansi
HLEZE usuzothatha umhlalaphansi futhi unemizwa eminingi ephikisanayo – uzizwa unovalo, kokunye injabulo ngekusasa lakho. Kunemibuzo okumele uzibuze yona uma sekufike isikhathi sokuthi uthi khumu ejokeni lomsebenzi. Yimiphi le mibuzo futhi ungayiphendula kanjani? Sengikulungele na ukuthi ngithi khumu?
Okokuqala kumele ubheke ukuthi imali usuyonge kangakanani okuyiyo ezoqhubeka nokukuphilisa ungasenawo umholo wanyanga zonke. Hlanganisa izimali zakho ozitshale ezindaweni ezahlukene ubone ukuthi zanele na ukuba usungaziphilisa ngazo. Uma usukwenzile lokhu, qala-ke ucabange ngentela nokuthi le mali konje ingakuphilisa isikhathi esingakanani. Nanokuthi-ke empeleni uzokwenzani ngale mali.
Kungani abanye abanye bathande ukukhipha izimali zabo esikhwameni sempesheni sikahulumeni (GEPF)?
Uhulumeni unesisobululo esihle sempesheni esikuqinisekisa ukuthi uzolokhu uthole umholo uze ubabale uhambe emhlabeni. Kodwa kukhona okuhle ngokuthi uyisuse le mali kulesi sikhwama uyifake kwezinye ezizimele ngoba:
1. Uyakwazi ukuzikhethela izindlalifa ngaphandle kokunqunyelwa ukuthi bagcina nini ukuthola imali kuwe.
2. Ukukhuphuka kwemali kwaminyaka yonke ongakuthola ngemuva kokuthatha umhlalaphansi akuncikile kuhulumeni kodwa ekuzikhetheleni kwakho nomeluleki wakho. Kuhulumeni uyatshelwa ukuthi imali ikhuphuka kangakanani, isikhathi esiningi ngendlela elinganayo. Kodwa uma ukhipha izimali zakho ungaba sethubeni lokuthi imali yakho ikhule ngamandla lapho oyogcine khona uma kuhamba kahle ezimakethe. Kodwa uma ukhipha yonke imali uyifaka ebhange lakho, inkulu ingozi yokuthi yehlelwe amandla iphele kalula. Abanye abantu bagcina behola empeshenini yabo iminyaka emibalwa nje, okuyinto ebuhlungu.
3. Abanye abantu abathandi ukuthi kunemithetho engehlisa imali etholakalayo uma kushona ilungu lesikhwama okuyilo eliqondene nempesheni.
Ngingakwazi ukugwema intela uma sengithatha impesheni?
Impela ingagwemeka. Uma uthola ukwelulekwa okufanele ungonga imali ngisho engaphezulu kwesigidi samarandi yentela, bese kuya ngokuthi ubususebenze iskhathi esingakanani. Kumqoka ukuthola izeluleko eziyizo uma uhlela izimali zakho.
Kuthatha isikhathi esingakanani ukuthola imali kusukela ufake isicelo sempesheni?
Abaningi bacabanga ukuthi uma ugcina ukusebenza namuhla ngoba usuthatha impesheni, ngenyanga ezayo uyobe usuthola izimali zakho. Iqiniso lithi kumele ulinde mhlawumbe kuze kuphele izinyanga eziyisithupha, okungenzeka ukuthi kulesi sikhathi ulindile awutholi mali. Yingakho ngiye ngithi kubantu isicelo sakho sempesheni sifake kusasele izinyanga ukuthi uyeke ukusebenza.
Izinhlelo uNkk Mdakane azobe ezihambele
Durban Tuesday 3 February SABC Studios, 100 Old Fort Road
Morning Presentation: 10:00AM Evening Presentation: 4:30PM
Pietermaritzburg, Wednesday, 4 February , Protea Hotel, 224 Jabu Ndlovu Street
Morning Presentation: 10:00AM Evening Presentation: 4:30PM
Johannesburg, Inkunzi Head Office in Sandton
Saturday 7 February: Time 10:30AM Tuesday 10 February: Evening session 5:30PM
