Endowment yomshwalense - nokuthula kwengqondo esikhathini samanje futhi nethemba ngekusasa.

Noma yimuphi umuntu ungathola ukwesaba okuthile. Yiqiniso, ngamunye bangabanikazi: ngubani esabe wokuba wedwa, futhi abanye amnyama. Kodwa kwesatshwa ukuthi ngezinga elithile bayakwazi ukuhlanganisa zonke noma cishe bonke abantu. Sikhuluma ukwesaba elihlobene ne ukukhubazeka, kanye ababuthakathaka futhi ukufa.

Uma nje umuntu kuyindlela komkhuba ukuphila, ngiziphilisa, ukuthenga izindlu, izimoto kanye nezinye izimpahla, azizwa beqiniseka. Nokho, ngezikhathi ezithile namanje wavakashela ukucabanga lokho okwakuyokwenzeka ku-umkhaya wakhe uma yahlatshwa uwela egula, ekhubazeka, noma okubi nakakhulu, ukufa. Ngokwemvelo, akekho emhlabeni kungaba basindiswe kuzo zonke izifo kanye nokufa, kodwa ukuzizwa ukuzithemba okuthile esikhathini esizayo yabo futhi ikusasa abathandekayo ngezindlela eziningi kusiza yomshwalense accumulative.

Ngeshwa, abantu abaningi abaqapheli ukuthi umshuwalense wokuphila ezuziwe iyahluka kwenye nezinye izinhlobo yomshuwalense siqu. Nakuba zikhona eningi umehluko wemisindo nemiqondo yamagama ukuthi ukuhlukanisa lo mkhiqizo umshwalense. Okokuqala, Okunqwabelanayo yomshwalense kanye nezempilo ikhishwa isikhathi ngokwanele eside (njengoba kuqhathaniswa yomshuwalense esifanayo ezokwelapha, okungase ekhishwe ngisho unyaka, okungenani 2 amaviki).

Okwesibili, umuntu oVikelwe ngaphansi kohlelo we okuthiwa umshuwalense wokuphila ingozi (kwinkontileka wasisho ngokucacile izingozi kuyo sisetshenziswa), ehola ngisho uma kwenzeka ukulimala kukhonjisiwe inkontileka noma uma kwenzeka lokugula (uma inkontileka sinika) . Uma umuntu ikhiphe yomshwalense ezuziwe, noma yikuphi ukulimala noma ukugula kungukuthi oVikelwe izenzakalo. Pholisi uzothola imali kuphela uma ukungakwazi (ukukhubazeka) noma ukufa (kuleli cala, izindlalifa ukwamukela inkokhelo).

Enkabeni yalo, yomshuwalense wokuphila ezuziwe luyinhlanganisela umshwalense kanye nokutshalwa kwezimali (efana ebhange). Kodwa, ngokungafani ebhange, ngomshuwalense engakwazi ukuthembela kuzo isithakazelo phezulu inkontileka yabo, ngoba namanje yomshwalense, futhi eziyisisekelo isimiso yayo - Ukuvikelwa, hhayi inzuzo.

Ukwenza isivumelwano umshwalense imali, ikhasimende uyavuma njalo akhokhele umshwalense ngu ethile, futhi ekupheleni yesivumelwano, ukuthi ungalindela ukuthola yonke lemali anqwabelene kanye nenzalo. Angaba ulithola njengesamba semali (isamba oVikelwe ngokugcwele aliyikuhamba akhawunti yakhe), futhi ngaleso nesimiso predetermined (isib, nyanga zonke, njengoba impesheni ezengeziwe).

Uma umuntu oVikelwe wahileleka engozini noma begula kakhulu ukuthi kuzophela ukukhubazeka noma ukufa, ngomshuwalense uzokhokha imali egcwele inkontileka, kungakhathaliseki ukuthi yimalini ekusindiseni iklayenti ngezithukuthuku ngeminikelo yabo.

Yiqiniso, kungcono siphile, ukucabanga ngezinto ezinhle futhi hhayi ucabanga ukuthi kungenzeka inhlekelele. Kodwa isayine umshwalense inkontileka ukonga, umuntu eyoqeda khona ukwesaba eziningi, nokunikeza ithemba ezolile futhi ikusasa nezingokwenyama zomkhaya wakhe.