Kugwema bubhelesele emvakwesivunguvungu¶

Lelikhasi likusita kubona bubhelesele emvakwesivunguvungu, i-typhoon, nome i-cyclone, uhlole bantu labafuna imali yakho nome kungena ekhaya lakho, bese ubika bukhwelembe. Bakhwelembe balandzela tivunguvungu ngobe bantu bakhatsele, bancishwa sikhatsi, futsi balindzele imali. Imizuzu lishumi yekuhlola ingavikela imali loyidzinga kutsi ubuyele esimeni.

Nangabe wenta tintfo tintatu kuphela¶

1. Awukahlali ukhokha ngalokugcwele ngaphambili, futsi awukahlali ukhokha ngemali yesandla, kudluliselwa kwebhange, ikhadi lesipho, inshukiyeni leyikha-digitali (cryptocurrency), nome i-app yekukhokha, umuntfu longamati.
2. Basebenti besiphuthfumo bahulumende beteluleko nebacwaningi benshuwarensi labangiko baphatsa khadi lesitfombe sabo, futsi abakalobhisi imali yekufaka sicelo, yekuhlola, nome yekusheshisa lutho.
3. Hlehlisa. Vala liphoni, vala umnyango, bese uhlola nabo mnyango nome inkampani yangiko ngekwakho ngaphambi kwekusayina nome kukhokha.

Tiphawu tesixwayiso temhlaba wonkhe bubhelesele¶

Bubhelesele lobunyenti emvakwesivunguvungu bufaka tiphawu letifanako. Nangabe ubona ngisho lolunye, yima bese uhlola.

• Kucindzetela. "Sayina namuhla." "Emanani ayakhuphuka kusasa." "Lusito lwakho lutakucishwa."
• Ticelo tekukhokha. Imali yesandla kuphela, tigcini letinkhulu, emakhadi tesipho, kudluliselwa kwebhange, inshukiyeni leyikha-digitali, nome imali letfunyelwe ku-wallet yemphoni yemuntfu.
• Timali yetintfo letimahhala. Tilivu tekubhalisela lusito, tekufaka esihlalweni seluhlu lwelusito, nome tekusheshisa sicelo.
• Ticelo tetimininingwane tangasese. Inombolo yesizwe yekuhlonishwa, i-login yebhange, i-PIN, likhodi lesikhatsi linye, nome inombolo yekubhalisela lusito. E-United States loku kufaka nenombolo ye-Social Security.
• Bakushayele wena kucala. Kungenisa ngemnyango, liphoni longalilindzele, i-text leneluphawu lekucingela, nome umlayeto kusocial media.
• Kute bufakazi. Kute khadi, kute layisensi, kute sivumelwano lesibhaliwe, futsi kute likheli lendzawo.

Bakhwelembe bacoshela ema-logo, tigcoko, nemagama lahlobene nemnyango. Ligcoko nome badzi lesinyatselwe akusibufakazi, ngako hlola umuntfu nenhlangano, awukahlali uhlolwa kugcoko.

Yini lekufanele wente nangabe ukhona umuntfu lose mnyango¶

Bubhelesele lobunyenti bwemvakwesivunguvungu bucala ngekungeniswa ngemnyango. Sebentisa lenchubo yinye kuwonkhe sikhatsi.

1. Awukavulelani munye longakalindzele. Ungakhuluma ngemnyango lovaliwe nome efasitelo.
2. Buta ngubani bo, inkampani nome mnyango labo mele bo, kanye nekhadi labo. Bhala ligama nenombolo yekhadi.
3. Shayela inkampani nome mnyango kunombolo lotofumana wena, kusayiti sabo sangiko, kupolisi yakho yenshuwarensi, nome likhasi lakho lwendzawo. Awukasebentisi inombolo losiniketwe ngulovakashi.
4. Nangabe bangakati kufakazisa ngubani bo, bacela imali, nome bacela kubona khadi lakho lebhange nome i-PIN, batjele basuke. Shayela maphoyisa nangabe bala.

Bahloli nebacwaningi bangiko balindzele kutsi uhlole. Batokhonta ushayele kunakuvumela umuntfu longamati angene ekhaya lakho.

Bukhwelembe bebakhontilaka nebekulungisa¶

Emacembu ekulungisa, bagamuli betihlahla, nebafaki belufulo labahamba kusuka kusivunguvungu kuya kwesinye bafika emalangeni lambalwa. Labanye bantu bemisebenti lebatembekile labavela khashane. Labanyenti akubona labo. Umkhontilaka longiko emvakwesivunguvungu kanyenti umatasa kakhulu angadzingi kungenisa ngemnyango.

Tiphawu tesixwayiso:

• Bafika emnyango wakho ngaphandle kwekucelwa, kanyenti kusesheshe emva kwesivunguvungu.
• Imoto ingenamagama enkampani, nome amaplate ayo avela khashane, futsi abakho nelikheli lendzawo.
• Bafuna sigcini lesikhulu nome kukhokha ngalokugcwele ngaphambi kwekucala kwemsebenti, kakhulukati ngemali yesandla.
• Bakhuluma kutsi batokubokonela nome bacishe lenanigcini lenshuwarensi yakho (deductible). Etindzaweni letinyenti loku kungekusemtsetfweni, futsi ungabambeka ngalo.
• Batsi inshuwarensi yakho nome hulumende bakuthumele, kodvwa abakwati kukutjengisa.
• Bafumana "kulimala lokufihlakele" longakaboni, nome babika timphahla letisele "kumsebenti wasekhatsi" ngenani lephansi.

Isakhi/thalbhu etulu kwefulo lingakutsatsela emaviki kuyilapho ufumana umuntfu lotembekile, ngako awudzingi kucasha ligembu lekucala lelifikile. Buka tihlahla netalbhu kutsi uvala njani luphahla ngekuphepha.

Ngaphambi kwekucasha nome ngubani¶

• Fumana ligama lelingco lenkampani, likheli lemgwaco, nenombolo yeliphoni. Hambela nome ushayele kulelo kheli.
• Buta inombolo yelayisensi bese uyihlola wena ngekwakho nalomnyango lonika layisensi bakhi netimisebenti kulelo liyohlala (i-state licensing board e-United States). Sitfombe selayisensi akusibufakazi.
• Buta bufakazi bwenshuwarensi yekubambeka ngelicala (liability), bese ushayela inshuwarensi kuze ucinisekise kutsi lipholisi lisasebenta.
• Fumana kungenani kubili nome kutsatfu kwemaquota lambhaliwe emisebentini lemikhulu.
• Buta kungenani kubili nome kutsatfu kwetinkombisa temisebenti yakamuva yendzawo, bese uyaye wena ubuke munye nangabe ungakhona.
• Hlola tikhalazo kulihhovisi lakho lekuvikelwa kwetitsengi (i-state attorney general e-United States).

Sivumelwano nenkhokho¶

• Fumana sivumelwano lesibhaliwe lesiveta umsebenti, timphahla, lisondvo lephezulu, lusuku lwekucala neyekuchitwa, kanye neluhlelo lwenkhokho.
• Awukasayinisi nome ngutundlwana lotibonisa kutsi kunendzawo leyingenamaligama.
• Khokha sigcini lesincane, bese ukhokha ngemagiya njengobe umsebenti ucedziwa. Gcina inkokho yekugcina kuze umsebenti ucale ucedziwe futsi wenelisekiwe.
• Khokha ngesheke, ngekudluliselwa kwebhange kuakhawunti yebhizinisi, nome ngekhadi, kuze kube ngitewu lerekhodi.
• Fumana inkhombo lebhaliwe yinkhokho yonkhe.
• Buta nangabe tidzinga tipermithi, bese ucinisekisa kutsi umkhontilaka ufaka sicelo saso.

Sigcini setimphahla sijwayelekile. Sigcini lesisincenye enkhulu yenani ayikafaneli. Buta kutsi sigcini sikhokhela yini, bese ubhala impendvulo esivumelwaneni.

E-United States, buta i-lien waiver nome lien release nakukhokha, kuze bacwebi betindzaba nome bahlinzeki labangakakhokhwa bangeti kwenta sicelo etikwelikhaya lakho kamuva.

Kusayinisa sicelo sakho senshuwarensi¶

Kufanako nakusayinisa sheke yenshuwarensi kumkhontilaka. Faka kuakhawunti yakho ngekwakho, bese ukhokha umkhontilaka njengobe umsebenti ucedziwa. Nangabe inshuwarensi yakho icela kusayina direction to pay, cela inshuwarensi kutsi ichaze ngesibhalo kucala.

Basebenti bemawu lekusita nebahloli¶

Basebenti bangiko bahulumende betelusito baphatsa khadi lesitfombe lesingiko. Litadi, badzi, ligcoko, nome khalithi akusibufakazi. Abakalobhi timali, futsi abakaceli iphasiwedi yebhange yakho nome i-PIN.

• Cela kubona khadi. Bhala ligama nenombolo yekhadi.
• Nangabe ungakalindzele luvakasho, shayela mnyango kunombolo lotofumana wena bese ubuta nangabe luvakasho lungiko.
• Nangabe umuntfu angakwati kutjengisa khadi nome acela imali, awukamvumeli angene.
• Bacwaningi benshuwarensi baphatsa khadi lenkampani futsi bangakunika inombolo yesicelo sakho. Shayela inshuwarensi yakho kuhlola.

E-United States, bahloli be-FEMA baphatsa khadi lesitfombe se-FEMA. Bavakashela emakhaya ebantu labasebhalisile kulusito, futsi abakaceli imali nome timininingwane tebhange. Shayela i-FEMA Helpline ku-1-800-621-3362 kuhlola luvakasho.

Luhlu lwelusito lungesilo netilivu tekubhalisa¶

Etiveni letinyenti, lusito luhanjiswa ngaluhlu lolwenta titiphatsimandla tendzawo, baholi bomphakatsi, nome macembu welusito. Bakhwelembe basebentisa loku, ngobe umuntfu lofuna kuba esluhlu kanyenti ukhona kukhokha.

• Akukho umuntfu longakwati kukubhokonela kuze ube esluhlu lwelusito nome kufumana timphahla telusito, imali yesipho, nome indlu.
• Caphela bantu labatsi bangakunikana lusito longetiwe nome bakudlulise esluhlu, ngesikhokho nome ngesabelo semali.
• Kubhaliswa ngiko kwenteka kumnyango wakho wahulumende wendzawo, sikhungo selusito, nome inhlangano yelusito yaziwa. Buta tiphatsimandla ngalokucondzile nangabe awukacinisekile.
• Bika nome ngubani locela imali yelusito kumnyango wakho wahulumende wendzawo nakulomnyango lonika lusito.

Imawu lekusita lekungesilo¶

Emvakwesehlakalo sinkhulu sinkhulu, imawu lekusita lekungesilo livela ngemagama laveta ngatiko efana ngalaweto giko. Bashayela, bathumela mesheji, baposta ku-inthanethi, futsi batfutse imali emgwacweni. Imali ayifinyeleli kubantu lebeyifanele babo.

• Nika tinhlangano tosati sewukhona, njenge-Red Cross nome Red Crescent yesizwe sakho nome macembu yendzawo lahlonishwa.
• Ngaphambi kwekunika imawu longakayazi, buta kutsi imali itowuthenga ini nekutsi itawuhanjiswa njani. Imawu yangiko ingaphendvula kuto totimbili kusibhalo.
• Hlola imawu longakayazi kumbuso wakho walomnyango lofaka umawu kumtsetfo nome sitfu sekulinganisa imawu.
• Awukakhokhi ngemakhadi tesipho, kudluliselwa kwebhange, nome inshukiyeni leyikha-digitali.
• Awukachofozi emaphathu kumilayeto longakalindzele. Hamba kusayiti yemawu ngekwakho ngekutayipa likheli.
• Caphela nangekutfutsa imali ku-inthanethi yebantu bodvwa. Nika lapho sewati umuntfu nome lohlela lento.

Likhasi letfu nga kutsi usita njani linika tindlela tekunika letifinyelela bantu.

Mesheji letikhwelemba, maphoni, nembalo¶

Bakhwelembe batfumela mesheji lebonakala kuvela kumnyango wahulumende wekusita, inshuwarensi yakho, bhange, sitfu semali yemphoni, nome yindlela yegezi/emanti. Batsi lusito lwakho luyimile, sicelo sakho sidzinga "kufakazisa", akhawunti yakho ivaliwe, nome gezi yakho izakucishwa kungaba umchofoza liphathu nome ukhokhe manje.

• Awukachofozi emaphathu kumilayeto longakalindzele. Tayipa likheli lesayiti wena ngekwakho, nome shayela inombolo lesephepheni lakho lenshuwarensi, ekhadi, nome lekubhiliweni.
• Hlola likheli nome inombolo yemtfumeleli. Makheli lafanana, langashintjiwe lincane nome kunenagama lelengetiwe, ayajwayeleka.
• Awukabelani likhodi lesikhatsi linye nome i-PIN. Kute mnyango nome bhange yangiko leyingacela leli.
• Timphahla tendlela (emagezi, emanti) atikaceli kukhokha ngasheshe ngemakhadi tesipho nome kudluliselwa kwebhange.
• Nangabe umuntfu lokushayelele ekucindzetela, vala liphoni bese ushayela kunombolo lotofumana wena.

Nangabe wakhe wakhokha umkhwelembe¶

Sebenta ngesheshe. Tinkhokho tatinye tingayekwa nome tiphikiswa sikhatsi lesincane kuphela emvakwekutsi tikhokhiwe.

1. Shayela bhange lakho, inkampani yekhadi, nome sitfu semali yemphoni ngasheshe. Bacele kuyekisa nome babuyise inkokho futsi bakhombise akhawunti. Bhala inombolo yesehlakalo nome yereferensi lebakuniko.
2. Shintja emaphasiwedi ye-imeyili nencwadi yakho yebhange. Vula two step verification lapho inikwako. Awukaniki nome ngubani likhodi lakho lesikhatsi linye.
3. Bhala kwenteka: emagama, tinombolo, luhlu lwelilanga, emanani, nekutsi wakhokha njani. Gcina mesheji, tinkhombo, netitfombe tesikrini.
4. Bika kumaphoyisa, nakulomnyango nome inkampani umkhwelembe labebativezile njengabo.
5. Buka tincwadzi tako takhawunti emvakwemizi lamanyenti, bese utjela bomakhelwane bakho. Bakhwelembe kanyenti basebentisa umgwaco munye lincele kanyekahlanu.

Caphela bukhwelembe besibili. Umuntfu lotsi angabuyisa imali yakho ngesikhokho kanyenti angumkhwelembe. Awukakhokhi "lusito lwekubuyisa" lokushayelele emvakwekulahlekelwa.

Kukhuphula emanani ngalokungekafaneli¶

Tindzawo letinyenti tenta kungekusemtsetfweni kukhuphula emanani ngasheshe kutintfo letidzingekako ngesikhatsi sesiphuthfumo lesimenyezelwe. Tintfo letitincenye letichaphetwa kakhulu tifaka emanti, kudla, loyili, iqhwa, ema-generator, timphahla tekwakha, emagumbi ehhotela, netitfulisi. Imitsetfo iyahluka ngaliswa nangesigodzi, futsi tinye tindzawo atinawo umtsetfo onjalo nakona.

Kukhuphula emanani ngalokungekafaneli kanyenti kubukeka njengaloku:

• Ibhodlela lemanti nome sikhwama seqhwa lesibita linani lelengetwe kaninginingi kunalelijwayelekile.
• I-generator nome chainsaw lenelithegi lenani "yesiphuthfumo" etikwayo.
• Igumbi lehhotela nome loyili lokhuphuka kaphindza ebusuku.
• Tilivu tekudlulisela nome yemsebenti "wesheshe" letingakakhokhwa ngaphambi kwesivunguvungu.

Nangabe linani libonakala liphezulu kakhulu kunejwayelekile, tsatsa sitfombe selinani nenkhombo yakho. Bhala ligama lebhizinisi, likheli, lilanga, nesikhatsi. Bika kulihhovisi lakho lekuvikela titsengi (i-state attorney general e-United States). Fumana kungenani liquota linye lengetiwe kususeni tihlahla, kudvonselwa kwemoto, nekulungiswa, ngobe letinye tihlonishwa kakhulu.

Bubhelesele bekurenta nebendlu¶

Nakudzinga mindeni lamanyenti indlu kanyekanye, bakhwelembe baposta tincwadi tekurenta letikhwelemba. Bacoshela titfombe tangiko, banika linani lephansi, bese bacela sigcini ngaphambi kwekutsi ubone indzawo.

• Awukatfumeli imali kuyinto yekurenta longakayibona ngekwakho, nome umuntfu lomtfembako angakayiboni.
• Awukakhokhi ngekudluliselwa kwebhange, ikhadi lesipho, nome i-app yekukhokha kumuntfu longakamhlangani.
• Caphela nangabe linani liphansi kakhulu kunemindlu leyifanako eduzane, nome nangabe uphutjelwa kunquma ngaphambi kwekuba ubone ngekhatsi.
• Caphela nangabe "umnikati" usekhatsi liphesheya futsi angeti kuhlangana nawe nome akutjengisa ngekhatsi.
• Hlola likheli nemnikati emarekhodi yetitfu tendzawo nangabe ungakhona. Buta ummakhelwane nome mnyango wakho wahulumende wendzawo nangabe lesitfu sikhona nekutsi ngubani lohlala khona.
• Fumana lease lebhaliwe ngaphambi kwekukhokha nome yimali kuhlula lelisigcini lelifanele.

Boleko, misebenti, nemacebo lamanye¶

• Boleko. Caphela kutsi labo bantu labakucelako emvakwesivunguvungu ngemali yesheshe futsi nemaphepha lamafisha. Buta linani lelilonkhe ngesibhalo ngaphambi kwekuboleka. Khuluma kubhange lakho, credit union, nome umboleki wesimicrofinance owatiwa kucala.
• Misebenti. Misebenti yekubuyisana lengesilo icela kukhokha kufundziswa, kutulukhuni, nome layisensi yekusebenta ngaphambi kwekucala. Bacashi labangiko abakakhokhisi kutsi usebente.
• Lusito ngemafomu. Kufaka sicelo selusito lwahulumende kanyenti kumahhala. Caphela nome ngubani locela kugcwalisa emafomu, futsi awukaveti nome ngubani atsatse khadi lakho nome khadi lebhange "kuze afake sicelo kubo wena".
• Kungena khashane. Awukavumeli nome ngubani kulawula liphoni nome computer yakho "kulungisa" sicelo nome akhawunti yakho.
• Basebenti bendlela lengesilo. Bantu betenta kwangiko kwegezi, emanti, nome gezi lelidwa bangazama kungena ekhaya lakho. Cela khadi bese ushayela inkampani kuhlola.

Lapho ubika khona umkhwelembe¶

Kubika kusita kuyekisa bakhwelembe ngaphambi kwekutsi bafinyelele bomakhelwane bakho. Gcina nome ngimilayeto, inkhombo, makhadi webhizinisi, netitfombe njengebufakazi.

• Maphoyisa kubukhwelembe bekungena emnyango, kweba, nome nome ngubani loveta sango ngatiko.
• Lihhovisi lakho lekuvikela titsengi kubakhontilaka nekukhuphula emanani ngalokungekafaneli (i-state attorney general e-United States).
• Mnyango wangiko welusito kunome ngubani loveta njengabasebenti balo nome locela imali yelusito. E-United States, shayela i-FEMA Helpline ku-1-800-621-3362.
• Lilayini lenshuwarensi yakho lwebukhwelembe kunome ngubani loveta njengecwaningi nome locela kubokonela deductible yakho.
• Bhange lakho nome sitfu semali yemphoni ngasheshe nangabe imali ihambile kuakhawunti yakho.

Likhasi lakho lwendzawo linika tabo tesiphuthfumo netekuvikela titsengi lapho uhlala.

Imihlahlandlela lehlobene¶

• Ticelo tenshuwarensi yesivunguvungu nelusito lwesehlakalo
• Tihlahla letiwele, ema-chainsaw, netalbhu telufulo
• Kutsi usita njani emvakwesivunguvungu
• Inshuwarensi yesivunguvungu nemadokhumenti labalulekile
• Imitfombo yetindzaba ye-hurricane yangiko