Ukusebenzisa ukwabiwa kweTrust ukukhuthaza ukuziphatha
Ufumana njani abantwana bakho ukwenza oko ufuna? Naliphi na umzali onokukuxelela ukuba kunzima ngokwaneleyo xa abantwana bebancinci kwaye bahlala beqina xa bekhula. Nangona kunjalo, abaninzi abantu bazama ukusebenzisa izikhwama-mali zokulawula abantwana babo. Bangaphi abantwana, abaselula kunye nabantu abadala abavuthiwe basongelwa ukuba baphucukiswe ? Nangona ngamanye amaxesha umntwana unqunywe ngokupheleleyo ngaphandle kokuthanda, uninzi lwabazali banqwenela ukuthatha inyathelo elibi kakhulu.
Kukho ke, enye enye indlela.
Iingxowa zokukhuthaza
Ukusetyenziswa kwe-"incentive trust" kuye kwaba yinto eyaziwayo kwiingxoxo phakathi kwabaqeqeshi bezocwangciso zezindlu kunye nabaxhasi babo. Amalungiselelo okukhuthaza in trust aklanyelwe ukukhuthaza iziphathamandla ezithile, ukujongana neengxaki ezithile okanye ukukhuthaza ifilosofi ebanzi yobomi. Inkuthazo enikezelwa yimali. Ukuba umxhamli othembekileyo ubonisa ukuziphatha okufunayo, ngoko ufumana imali engakumbi kwi-trust. (Kwezinye iindidi ezibizwa ngokuba yi-bribery.)
Maxa wambi i-trust ithetha inqaku eliqhelekileyo eliquka ifilosofi yabazali. I-trustee, ilandelwa yile nkcazo yefilosofi ekusebenziseni ukuqonda kwayo . Ngokomzekelo, umphathiswa angabhekiswa ukuba angenzi naluphi na ukunikezelwa kwetrasti okuya kususa inzuzo yokuba umzuzi azincedise. Ngamanye amaxesha kunemigangatho yemigomo yeTrasti ukubeka iliso leyo iya kulawula ukwabiwa.
Eminye imigangatho ibonisa ukuba ukunikezelwa kwetrasti kufanele kufumaneke ngeniso elilinganayo. Eyona nto ufumana ngayo, xa ufumana ngakumbi kwi-trust.
Abathengi abaninzi abacebileyo babonisa inkxalabo yokuba ukushiya ilifa elininzi kubantwana babo 'liya kubaphanga'. Baxhalabele ukuba umntwana akayi kusebenza nzima ukwenza iimpumelelo zakhe, kwaye ukuba nemali eninzi iya kugcina umntwana angabi lilungu elisebenzayo kuluntu.
Enyanisweni, baninzi abantwana abanjalo "abaziindlalifa" kunye nabangenzi nto kodwa bahlala bebukhali kwifa labo abazuze njengefa.
"Ifa eligqibeleleyo"
Isisombululo esilula kule ngxaki kukushiya yonke into kubantwana. Njengoko uWarren Buffet uthe, ifa eligqibeleleyo "lanele imali ukuze bazive ukuba banokwenza nantoni na, kodwa kungabi nakwazi ukuba bangenakwenza nto." Nantoni na ngaphezu "kwelifa eligqibeleleyo" liya kunikwa inceba okanye abanye abaxhamliweyo.
Kubaxhasi abaninzi, into ebalulekileyo kukuba umntwana ubandakanyeka kwingqesho evelisayo. Oku kulula ukuyithetha, kodwa kungekhona lula ukuba uyiqulunqe kwixwebhu lokumthemba.
- Kuthekani ukuba umntwana esikolweni?
- Kuthekani ukuba umntwana ukhubazekile ngenxa yokonzakala okanye ukugula?
- Kuthekani ukuba umntwana uhlala ekhaya ukuze akhulise intsapho?
- Kuthekani ukuba umntwana wenza iinkonzo zokuzithandela?
- Kuthekani ukuba umntwana ungumkhathaleli womzali osekhulile?
- Kuthekani ukuba kukho ukunyuka kwezomnotho kunye nenani lemisebenzi ekhoyo linciphisa kakhulu?
Zonke ezi zinto, kunye nokunye, maziqwalaselwe kulo mbhalo.
Akunakwenzeka ukuqikelela oko kuza kuzisa ixesha elizayo kwaye ziziphi iimeko ezikhethekileyo ezinokubandakanya i-trust trust. Ezi ntlobo zethemba zinzima kakhulu ukuyila, kodwa kunzima nakakhulu ukulawula.
I-Trasti inikwe umsebenzi olukhuni kunokuba uqhelekileyo. Ukuze kuhlolwe iikhrayitheriya zeenjongo, iTrasti kufuneka ifumane kwaye ihlaziye imbuyekezo yentlawulo yengeniso, iingxelo zonyango, imeko zezoqoqosho kunye nokunye okuninzi. I-Trasti iya kufuna amandla amaninzi ukuphanda iimeko zexhamli kunye nokucela ubungqina bokuba inzuzo yokuba abaxhamli banelungelo.
Ngubani onokuyenza iTrasti?
Abazali banokuba nabantakwabo okanye abahlobo abangaba iTrasti okwethutyana, kodwa abantwana kunye nabazukulwana baya kuba bahlala ixesha elide kunabo bantu. Kubonakala ukuba i-fiduciary yenkampani kufuneka ithathelwe ingqalelo, ubuncinane njengendlalifa kubantu abathile. Nawuphi na iTrasti owamkela olu hlobo loxanduva uya kufuna ukuqinisekisa ukuba isixhobo sokuthenjwa sinika ukhuseleko. Nayiphi na iTrasti iya kuba nexhala malunga nomxhamli othembekileyo ongenamakhaya kuba iimeko zokunikezelwa kwetrust azizange zihlangane.
Ezinye iinjongo zinokufunwa ngethemba lokukhuthaza. Amathuba angapheliyo njengengcamango. Akunzima ukuzicingela abathengi abafuna ukufumana imfuyo eyabelwe umntwana engatshatanga umntu othile. Okanye kumntwana engaqabane. Ifa lingahlawuliswa ngomnye ekubeni ngugqirha okanye igqwetha, okanye kungabi ngumbhali, njengokuba kunjalo. Inkuthazo inokuthi inxulumene nenkolo, indawo yokuhlala, inani labantwana, ubude beenwele, umbala weengubo - ngaba umda ungakanani?
Ngaba isebenza?
Umxhamli ophazamisekayo akunakwenzeka ukuba ancedwe yi-trust incentive. Ukuxelela umlutha weziyobisi ukuba akayi kufumana ilifa lakhe ngaphandle kokuba eyeke ukusebenzisa iziyobisi akumele amvimbele ekusebenziseni. Ukuxelela umxhamli ukuba akakwazi ukufumana ilifa lakhe ngaphandle kokuba aphumelele kwiikholejini kwaye wenza $ 50,000 ngonyaka angasebenza. Kodwa ngokucacileyo, ilifa ayilona nto yodwa eyashukumisela umntwana ukuba afinyelele kuloo nqanaba lokuphumelela. Amathuba kukuba lo mntwana akadingi ukukhuthaza ukuba enze ngokufanelekileyo kwindawo yokuqala.