Izizathu Ezi-3 Unokucinga Ukuthenga Ubomi Bomshuwalense Kubantwana Bakho:
- Ukuqinisekisa ukungaqiniseki kwabo emva koko ebomini kwaye bawasindise indleko ze-inshorensi yobomi kwikamva.
- Ukudala isitya sokulondoloza nge- inshorensi yonke yobomi bomshuwalense engayi kukhusela kuphela ukungaqiniseki kwabo, kodwa iya kuvumela ukuba imali yokugcinwa kweentlawulo ezikhuselekileyo izisebenzise xa ifunekayo kamva.
- Ukubonelela ngeendleko zemali yokungcwaba kunye nemali yezinye iindleko ezihambelanayo, njengokulahlekelwa ngumsebenzi okanye ixesha xa umntwana wakho efa ngenxa yengozi okanye ukugula engalindelekanga.
Kutheni Kuthengwa Ubomi Bomshuwalense?
Enye inzuzo yokuthenga i-inshorensi yobomi kubantwana kukuba ireyithi zisekelwe kwiminyaka yobudala kunye nempilo. Umntwana omncinci onempilo uya kuba neendleko eziphantsi. Khawucinge ukuba ngaba abazali bakho bathenga inshorensi yobomi kuwe, ngaba loo nto yayiza kwenza ubomi bakho bube lula?
Njengoko abantu bakhula amathuba abo okuphuhlisa izifo, kunye nemigaqo-nkqubo ye-inshorensi yobomi ingafuna iimviwo zonyango , okanye zenze iiprayimari eziphezulu. Ukunyamekela umgaqo-nkqubo wobomi bonke abantwana xa bebancinci baya kubanika umnatha wokukhusela kamva, ngeendleko eziphantsi ngoku.
Iindlela ezi-2 zokuthenga i-inshurensi yobomi kubantwana
Unokukhetha xa ufika kwi-inshorensi yobomi bentsapho. Nazi iindlela ezimbini onokucinga ngazo ngokuthenga i-inshorensi yobomi kubantwana.
- Ngomgaqo-nkqubo we-Inshorensi yoBomi okanye iNkcazo yoBomi kunye ne-savings tax-protected-protected that can be transferred to the name of the child when they become older. Oku kunika nabo kunye nokuzinyameka kwexesha elide kwaye kuyisipho abangabamba kuyo ubomi. Imigaqo-nkqubo yobomi ihlala ihlawulwa emva kweminyaka emininzi, ibe nexabiso lemali. Oku kunokuba luncedo kabini kubantwana bakho ixesha elide.
- Ngokungena umkhwele womntwana okanye ukuvunyelwa kwikota yomshuwalense wezempilo . Lunikeza isitya sokugcina, kwaye ixeshana. Qinisekisa kwaye ubuze malunga nokuba ingaba ikhuselekile kwi-kids okanye iyaguququlwa kumgaqo wayo.
Yintoni omele uyiqwalasele Ngaphambi kokuthenga i-inshorensi yobomi kubantwana
Ngombulelo, uninzi lwabantu aluyi kuphila ngokulahlekelwa ngumntwana.
Ngaphambi kokuqwalasela i-inshorensi yobomi kubantwana, abazali kufuneka baqwalasele imeko yabo yezezimali.
Umzekelo, ukuba unzima ukufumana iziphumo, uziqinisekisa ngokuba ungumzali wokuqala. Oku kuya kubonelela ukuzinza kwemali ukukhusela impilo yakho yentsapho ngokushiya umxhamli weemfuno eziyimfuneko kunye nokukwazi ukubonelela abantwana bakho ukuba kwenzeka into ethile kuwe.
Ukusebenza: I-inshurensi yabantwana kunye ne-inshorensi
Ukulahlekelwa ngumntwana kuyintlekeleko eyingozi kwaye ingacingi, nangona kunjalo, xa ucinga ngomshuwalense womshuwalense, kufuneka uqwalasele umbandela osebenzayo, owufumana imali engakanani okanye imali eya kulahleka ngenxa yokufa kwintsapho. Ukuba unokukujonga kulo mbono, kunokukunceda ukuba unqume ukuba ufuna i-inshorensi yobomi kubantwana bakho ngoku, okanye ukuba ufuna ukukhusela ezinye iimithombo zengeniso okanye ukhusele ezinye iinkalo.
Izinto ezifanele uziqwalasele ngaphambi kokuthenga abantwana i-inshorensi yobomi
Ukuba yintloko yentsapho kunzima. Ukuhlalutya ibhajethi kunye nokufumana iindlela zokufikelela kwimigangatho, ngokukodwa xa unentsapho encinane inokuba nzima. Ukuba unyanzelekile ukuthenga i-inshorensi yobomi kubantwana bakho, nantsi ezinye izinto ozicingayo malunga nokukunceda ukuba ulinganise ukhetho lwakho.
- Ingaba unako ukugcinwa kongxamiseko ukujonga ezinye iindleko eziyimfuneko? Ngaba ungayigcina imali kwi-akhawunti yengxaki yongxamiseko endaweni yengqesho yomshuwalense wobomi bentsholongwane enokukhusela intsapho yakho nayiphi na imeko engxamisekileyo (kuba ngaba iindleko zokungcwaba ezingalindelekanga kubantwana, okanye ukulungiswa kwekhaya, okanye iindleko zonyango endaweni yoko?).
- Ngaba unesicwangciso se -inshurensi yempilo ukukhusela abantwana bakho kunye nosapho lwakho? Isicwangciso se-inshurensi yezempilo yindlela efanelekileyo yokuqinisekisa impilo yabo nokukhusela ezinye izifo. Kwakhona, qwalasela i-inshurensi yamazinyo kunye nezinye izicwangciso ze-inshorensi ezongezelelweyo . Impilo enhle ikhokelela ekuphileni ubomi obude kunye noxolo lwengqondo.
- Ngaba unesikolo sokugcina imali kubantwana bakho? Ngaba ungasebenzisa umgaqo-nkqubo wobomi bomshuwalense wobomi njengengxowa-mali yokugcina imali?
- Ziziphi iingozi zakho? Izingozi zenzeka kunoma ubani, kodwa ngaba unengxaki ethile yempilo oyikhathazayo?
Ubomi Bomshuwalense Yabantwana? Ezinye izibalo zokufa kwabantwana
Ngokutsho kweCDC FastStats, kukho ukufa kwabantwana abangama-24 phakathi kweminyaka engama-1 ukuya ku-100 000 okanye i-3,830 yokufa kwabantwana njengengcaciso yabo yakutshanje. Izizathu ezibangela ukufa kukuba: Ingozi, ukukhubazeka kwama-Congenital, ukutshatyalaliswa kunye ne-chromosomal engafanelekanga, kunye nokuhlaselwa (Ukuzibulala).
Kwabantwana abaneminyaka emi-5 ukuya ku-14, kwafa abantu abayi-5,250 okanye i-12.7 kwi-100,000 yabantu ngexesha elifanayo.
Izizathu ezibangela ukufa kwabadala abaneminyaka emi-5 ukuya ku-14 zibandakanya izingozi, umdlavuza kunye nokuzilimaza ( ukuzibulala ).
Ubuninzi Kangakanani Umshuwalense Wokuphila Ofanele Uzuze Abantwana Bakho?
Ukuba akukho kucinga ukuba kwenzeke kwaye intsapho yakho ibhekene nokufa komnye wabantwana bakho kufuneka ulungele ukuchaphazeleka. Ngaphandle kweendleko zomngcwabo, akunakuqhelekanga ukuba omnye okanye bobabini abazali kufuneka bathathe ikhefu emsebenzini, okanye kubantakwabo bafune ukucebisa.
Kunconywa ukuthenga i-inshorensi yobomi kubantwana abanokufikelela kwiinyanga ezi-6 ukuya kwezi-12 zengeniso yentsapho xa kwenzeka ukuba iindleko ezingentla zifuneka ukunceda intsapho yakho ngokulahlekelwa ngumntwana.
Ukuba akukho nanye yale nto eyenzekayo, kwaye sinethemba lokuba wena kunye nentsapho yakho ningaphinde niphile ngoku, ngokuqinisekileyo umgaqo-nkqubo wobomi othengiweyo kubantwana bakho uya kubanika isitya sokulondoloza esinokuyisebenzisa kamva ebomini.