Palani afā ki he ngaahi kiʻi pisinisi¶

ʻOku tokoni ʻa e peesi ko ʻeni ke ke tohi ha palani ki he afā, taifuni pe saikolone ki ha kiʻi pisinisi: ha falekoloa, ha falekai, ha tēpile ʻi he maketi, ha fale talitali kakai, ha fale ngāue, ha pisinisi faama, pe ha ʻōfisi. Ko ha pisinisi ʻe ʻikai lava ke toe fakaava vave ʻe lava ke mole ai hono kau fakatau mo hono kau ngāue, ko ia ko e palani ko ʻeni ke ʻuluaki maluʻi ʻa e kakai, pea toki foki ki he ngāue.

Kapau te ke fai pē ha meʻa ʻe tolu¶

1. Tauhi ha tatau ʻo hoʻo ngaahi lekooti ʻi tuʻa mei he feituʻu ngāue pea siviʻi ʻe lava ke ke fakaava kinautolu mei ha meʻangāue kehe.
2. Fokotuʻu ha lisi fetuʻutaki ʻo e kau ngāue mo e ngaahi fika telefoni fakafoʻituitui, pea fekau ha pōpoaki siviʻi kimuʻa ʻi he faʻahitaʻu.
3. Lau hoʻo ʻinisiua pea ʻilo tonu pe ko e hā ʻoku ne maluʻi ki he matangi, lōmaki mo e mole ʻa e paʻanga hū mai.

Ngāue he taimi ni: kapau kuo tala ha afā¶

• Tala ki he kau ngāue ʻa e palani: taimi te ke tāpuni ai, founga te ke fetuʻutaki ai kiate kinautolu, mo e taimi ʻe totongi ai kinautolu.
• Fekau ʻa e kau ngāue ki ʻapi ʻi he taimi feʻunga ke nau maluʻi honau ngaahi fāmili. Tāpuni vave ʻo ʻikai tōmui.
• Tauhi ha tatau ʻo e ngaahi lekooti pea ʻave mo koe ʻa e meʻa tauhi tatau pe laptop.
• Faitā mo hiki vitiō ʻa e feituʻu ngāue, koloa mo e ngaahi naunau.
• Hiki ʻa e koloa mo e ngaahi naunau mei he falikiʻi pea mamaʻo mei he ngaahi matapā sioʻata.
• ʻAi ʻa e ngaahi puipui matapā sioʻata pe palaiuto, pea fakamālohia ʻa e ngaahi matapā lalahi.
• Toʻo ha paʻanga (cash) feʻunga ki ha uike ʻe taha ʻo e ngaahi totongi fakavavevave.
• Pipiki ha fanongonongo tāpuni ʻi he matapā, hoʻo uepisaiti, pōpoaki ʻi hoʻo telefoni, mo hoʻo ngaahi founga pōpoaki.

Tohi ha kiʻi palani hokohoko nounou¶

ʻOku tali ʻe ha palani hokohoko ha fehuʻi pē ʻe taha: ʻe founga fēfē hono hokohoko atu ʻo e pisinisi, pe toe kamata, kapau ʻoku ʻikai maʻu ʻa e fale, ʻuhila, ʻinitaneti pe kau ngāue. ʻOku vahevahe ʻe he US Ready.gov ʻeni ki hono kumi hoʻo ngaahi fakatuʻutāmaki, fokotuʻu ʻa e ngaahi meʻa mahuʻinga taha, fili pe te ke hokohoko atu fēfē, vahe ʻa e ngaahi ngāue, mo siviʻi ʻa e palani. Ki ha kiʻi pisinisi, ʻoku feʻunga ha peesi ʻe ua.

• Lisi ʻa e kiʻi meʻa siʻi ʻe ʻikai lava ke ngāue ʻa e pisinisi ʻo ʻikai ai: kakai, naunau, ngaahi founga ngāue, kau ʻoatu koloa mo e kau fakatau mahuʻinga.
• Ki he meʻa taki taha, tohi pe te ke pule fēfē ʻo ʻikai ai ʻi ha uike ʻe taha.
• Fili pe ko hai ʻe pule kapau ʻe ʻikai lava ke aʻu ki he tokotaha ʻoku ʻaʻana ʻa e pisinisi, pea ʻoange kiate ia ʻa e faingamālie ʻe fiemaʻu.
• Fili ha feituʻu fakataimi ke ngāue ai: ha ʻapi, feituʻu ʻo ha hoa ngāue, ha feituʻu ʻi he maketi, pe ha loki totongi ʻi ʻuta.
• Tohi hifo pe ko hai ʻe fili ke tāpuni, ʻi he tuʻunga fē, mo hai ʻe fili ki he taimi ke toe fakaava ai.
• Tauhi ha ngaahi tatau ʻo e palani ʻi he ʻinitaneti, ʻi ho telefoni, mo e pepa ʻi hoʻo kato teuteu.

Siviʻi ʻa e palani ʻo tuʻo taha ʻi he taʻu kimuʻa ʻi he faʻahitaʻu. Nofo mo hoʻo kau ngāue ʻi ha houa ʻe taha pea talanoa ki ha afā, sitepu ki he sitepu.

Kau ngāue¶

Ko e kakai ʻoku hohaʻa ki honau ngaahi fāmili ʻe ʻikai lava ke nau tokanga ki he ngāue. Ko hono tokangaʻi hoʻo kau ngāue ko e founga vave taha foki ia ke toe fakaava ai.

• Tauhi ha lisi ʻo e tokotaha ngāue kotoa pē mo ha fika telefoni fakafoʻituitui, ha tokotaha fetuʻutaki fakatuʻutāmaki, mo e feituʻu ʻoku nau nofo ai.
• Fokotuʻu ha pōpoaki fakakulupu pea siviʻi ia.
• Fokotuʻu ha sēini ui koeʻuhi ke ʻoua naʻa pau ke fetuʻutaki ha tokotaha pē ʻe taha ki he taha kotoa: ʻoku ui ʻe he tokotaha ʻoku ʻaʻana ʻa e pisinisi ha toko ua, pea ui ʻe he taki taha ha toko ua kehe.
• Fili pe ʻe totongi fēfē ʻa e kau ngāue lolotonga ha tāpuni, pea tala kiate kinautolu kimuʻa ʻi he faʻahitaʻu.
• Felotoi pe ʻe fetuʻutaki fēfē ʻa e kau ngāue hili ʻa e afā, mo e meʻa ʻe hoko kapau ʻe ʻikai lava ke aʻu ki ha taha.
• ʻOua naʻa ke teitei kole ki he kau ngāue ke nofo ʻi he ngāue pe fononga ʻi he taimi kuo tuʻutuʻuni ai ʻe he kau ʻōfisa ke hiki pe ʻoku ngāue ha fakatokanga.

Hili ʻa e afā, ʻe mole nai ha ngaahi ʻapi ʻo e kau ngāue pe ʻoku nau tokangaʻi ha kāinga. ʻE fiemaʻu ʻe ha niʻihi ha taimi kimuʻa pea nau lava ʻo foki mai. Fakangofua, pea fakahinohino kinautolu ki he tokoni fakalotofonua. Vakai ki he Kātakiʻi mo e moʻui fakaʻatamai.

Ngaahi lekooti mo e fakamatala¶

ʻOku totonu ke ʻi ai ʻa e meʻa mahuʻinga kotoa ʻi ha feituʻu ʻi tuʻa mei ho fale: ngaahi lisi kau fakatau, ngaahi ʻakauni, vāhenga, ngaahi aleapau, ngaahi lekooti tukuhau, ngaahi laiseni, ngaahi fetuʻutaki ʻa e kau ʻoatu koloa, mo e fakamatala ʻo e misini fakatau (point of sale).

• Ngāueʻaki ha tauhi tatau ʻi he ʻao (cloud backup), pe ha meʻa tauhi tatau ʻokú ke ʻave ki ʻapi ʻi he uike kotoa.
• Kimuʻa ʻi ha afā, fai ha tatau kakato pea ʻave mo koe.
• Siviʻi ʻa e tatau: fakaava ha faile mei ha komipiuta pe telefoni kehe.
• Tauhi ha ngaahi tatau pepa ʻo e ngaahi tohi mahuʻinga ʻi ha kato ʻoku ʻikai hū ki ai ʻa e vai: ʻinisiua, aleapau totongi pe tohi kelekele, lesisita ʻo e pisinisi, ngaahi fakaikiiki ʻo e pangikē, mo ha lisi ʻo e ngaahi naunau mo honau ngaahi fika fakaʻilonga.
• Tohi hifo ʻa e ngaahi hingoa hū mo e ngaahi kouti fakafoki pea tauhi ʻi ha feituʻu malu.

Ko ha tatau kuo teʻeki ai siviʻi ko ha ʻamanaki pē ia, ʻo ʻikai ko ha palani.

Feituʻu ngāue, koloa mo e ngaahi naunau¶

• Hiki ʻa e koloa mo e ngaahi naunau mei he falikiʻi, ki ha ngaahi fata māʻolunga pe fungavaka ʻi ʻolunga.
• Kofukofu ʻa e ngaahi naunau ʻaki ha laʻi palasitika, pea toʻo mei he palaki.
• ʻAve mo koe ʻa e ngaahi komipiuta, misini kaati mo e kiʻi meʻangāue mahuʻinga.
• Hiki ʻa e ngaahi meʻalele ki ha kelekele māʻolunga ange, mamaʻo mei he ngaahi ʻakau.
• ʻOmi ki loto pe haʻi maʻu ʻa e ngaahi fakaʻilonga, malu ʻi tuʻa, tēpile, sea mo ha meʻa pē ʻoku ʻi tuʻa.
• ʻAi ʻa e ngaahi puipui matapā sioʻata pe palaiuto, pea fakamālohia ʻa e ngaahi matapā teka mo e ngaahi matapā lalahi.
• Tāmateʻi ʻa e kasa, pea tāmateʻi ʻa e vai mo e ʻuhila ʻi he ngaahi swichi lahi kapau te ke tāpuni ʻi ha ngaahi ʻaho.
• Faitā ʻa e loki kotoa pē, koloa kotoa mo e naunau kotoa pē mo hono fika fakaʻilonga.

Tauhiʻanga momoko. Kapau ʻokú ke fakalele ha falekai, falekoloa meʻakai, pe ha meʻa pē ʻoku ʻi ai ha ngaahi pusaʻaisi mo e fakaʻaisi, fili he taimi ni pe ko e hā te ke fai ki he koloa ʻoku vave ʻauha kapau ʻe mate ʻa e ʻuhila ʻi ha uike ʻe taha. Ko e ngaahi fili ʻoku kau ai hono fakatau atu kimuʻa ʻi he afā, hiki ki ha hoa ngāue ʻoku ʻi ai haʻane misini ʻuhila, pe lekooti ia ki he kole totongi ʻinisiua pea lī malu.

Ngaahi tēpile maketi mo e kau fefakatauʻaki īkiʻi. ʻAve ʻa e koloa mo e ngaahi meʻangāue ki ʻapi, pe ki ha fale mālohi ʻi ha kelekele māʻolunga. ʻOku siʻi ʻaupito ha mālohi feʻunga ʻo e ngaahi tēpile mo e kiʻi falekoloa ke maluʻi ʻa e koloa.

Ngaahi meʻa fakatuʻutāmaki. Ko e lolo, ngaahi kemikale, vali mo e ngaahi kalaʻi kasa ʻoku pau ke tauhi ʻi ha feituʻu ʻe ʻikai aʻu ki ai pe ʻave ʻe he vai lōmaki. Fehuʻi ki hoʻo potungāue tāmate afi fakalotofonua pe potungāue ʻātakai pe ʻe tauhi fēfē.

ʻInisiua¶

Lau hoʻo ʻinisiua kimuʻa ʻi he faʻahitaʻu, pea fehuʻi tohi ki hoʻo kautaha ʻinisiua pe tokotaha fakafetuʻutaki ʻinisiua (broker) ki ha meʻa pē ʻoku ʻikai ke ke mahinoʻi.

• Maluʻi koloa. ʻOku maluʻi ai ʻa e fale, koloa mo e ngaahi naunau mei he maumau ʻi he matangi mo e afā?
• Maluʻi lōmaki. ʻOku ʻikai maluʻi ʻe ha ngaahi ʻinisiua pisinisi lahi ʻa e lōmaki tukukehe kapau te ke tānaki ia.
• Maluʻi ki he tuʻu ʻa e pisinisi (business interruption). ʻOku totongi ʻe ʻeni ʻa e paʻanga hū mai kuo mole mo e ngaahi totongi hokohoko, hangē ko e totongi fale mo e vāhenga, lolotonga ʻoku ke tāpuni hili ha mole ʻoku maluʻi. ʻOku faʻa ko ha meʻa tānaki ia. Fehuʻi pe ʻoku totongi pē hili ha maumau ki ho feituʻu ngāue, pe hili foki ha tuʻutuʻuni tāpuni ʻa e puleʻanga pe ha mate fuoloa ʻa e ʻuhila.
• Ngaahi taimi tatali mo e konga ʻoku ke totongi kimuʻa. ʻIlo pe ʻe fuoloa fēfē kimuʻa pea kamata ʻa e ngaahi totongi mo e lahi ʻo e meʻa ʻoku ke ʻuluaki totongi.
• Ngaahi ʻaho fakaʻosi ʻi he afā. ʻE ʻikai fakatau pe liliu ʻe ha ngaahi kautaha ʻinisiua lahi ʻa e maluʻi ʻi he taimi kuo tala ai ha afā. Fakatau kimuʻa ʻi he faʻahitaʻu.

Tauhi ʻa e ngaahi lesiti, ha lisi koloa mo e ngaahi tā. Vakai ki he ʻInisiua afā mo e ngaahi tohi mahuʻinga.

Paʻanga¶

Hili ha afā, ʻe lava ke ʻikai ngāue ʻa e ngaahi misini kaati, ATM, pangikē mo e paʻanga ʻi he telefoni ʻi ha ngaahi ʻaho.

• Tauhi ha paʻanga (cash) feʻunga, ʻi he ngaahi nouti īkiʻi, ki ha uike ʻe taha ʻo e lolo, naunau, monomono mo e vāhenga kapau te ke lava.
• ʻIlo pe te ke totongi fēfē ʻa e kau ngāue kapau ʻoku tāpuni ʻa e pangikē pea mate ʻa e ʻinitaneti.
• Fehuʻi ki hoʻo pangikē ki ha nō fakaʻatā (line of credit) pe nō fakatuʻutāmaki kimuʻa ʻi he faʻahitaʻu. ʻOku faingofua lahi ange ke fokotuʻu kimuʻa ʻi ha afā ʻi he hili ia.
• Tauhi ha lisi pepa ʻo e kakai ʻoku nau moʻua kiate koe mo e kakai ʻokú ke moʻua ki ai.

Kau ʻoatu koloa mo e kau fakatau¶

• Fehuʻi ki he kau ʻoatu koloa mahuʻinga ki heʻenau ngaahi palani afā, mo e meʻa ʻe hoko ki he ngaahi ʻota ʻoku kei ʻi he hala.
• Kumi ha tokotaha ʻoatu koloa fakafetongi ʻi tuʻa mei ho feituʻu ki ha meʻa pē ʻe ʻikai lava ke ke ngāue ʻo ʻikai ai.
• Tauhi ʻa e ngaahi fetuʻutaki ʻa e kau ʻoatu koloa ʻi he pepa pea ʻi ho telefoni foki.
• Tala ki he kau fakatau kimuʻa pea ke tāpuni mo e taimi te ke toe fakaava ai: ha fakaʻilonga ʻi he matapā, hoʻo uepisaiti, pōpoaki ʻi hoʻo telefoni, mo hoʻo ngaahi founga pōpoaki.

ʻOku lelei taha ha pōpoaki nounou mo faitotonu: "ʻOku mau tāpuni koeʻuhi ko e afā. Te mau pipiki heni ʻi he taimi te mau toe fakaava ai."

ʻI ʻAmelika¶

ʻOku ʻoatu ʻe he US Small Business Administration ha ngaahi nō fakatamaki ʻoku siʻi hono tupu ki he ngaahi pisinisi hili ha fakatamaki kuo fakahā, kau ai ki he ngaahi mole ʻoku ʻikai maluʻi ʻe he ʻinisiua. ʻE lava foki ke maʻu ʻe he ngaahi pisinisi ha tokoni mei FEMA, ngaahi polokalama fakasiteiti mo e ngaahi kulupu pisinisi fakalotofonua (chambers of commerce). ʻOku maʻu ha ʻinisiua lōmaki pisinisi makehe mei he National Flood Insurance Program, ʻo faʻa ʻi ai ha taimi tatali ʻo e ʻaho ʻe 30. Ki ha tokoni hili ha fakatamaki, ui ki he FEMA Helpline ʻi he 1-800-621-3362 (ʻAmelika).

ʻOku ʻi he ngaahi fonua kehe ʻenau ngaahi foaki paʻanga, nō mo e fakamaʻamaʻa tukuhau pē ʻanautolu hili ha fakatamaki. Fehuʻi ki hoʻo potungāue fakafonua ki he fakatamaki, potungāue pisinisi, pe kautaha pisinisi fakalotofonua. ʻOku lisi ʻe hoʻo peesi tokoni fakalotofonua ʻa e ngaahi maʻuʻanga fakamatala fakapuleʻanga ʻi he feituʻu ʻoku mau maʻu ai.

Toe fakaava malu¶

ʻOua ʻe fekau ʻa e kau ngāue ki loto ʻi he fale kae ʻoua kuo siviʻi. Kumi ha maumau ki he langa, nanamu kasa, vai tuʻu ofi ki he ngaahi meʻa ʻuhila, mo e mōlo.

• Faitā ʻa e maumau kotoa kimuʻa pea fakamaʻa, pea tala ki hoʻo kautaha ʻinisiua.
• Tuku ke siviʻi ʻa e ngaahi meʻa ʻuhila kimuʻa pea toe fakaʻā ʻa e ʻuhila kapau naʻe ʻi ai ha lōmaki.
• Fakangāue ʻa e ngaahi misini ʻuhila ʻi tuʻa pē, ʻi ha mita ʻe 6 (fute ʻe 20) ki ʻolunga mei he ngaahi matapā, matapā sioʻata mo e ava ʻea. Vakai ki he Malu ʻo e misini ʻuhila.
• Lī ʻa e meʻakai naʻe ʻi ʻolunga ʻi he māfana malu, ʻo ngāueʻaki ʻa e ngaahi tuʻutuʻuni ʻi he Malu ʻa e meʻakai mo e vai.
• Fehuʻi ki hoʻo potungāue moʻui fakalotofonua kimuʻa pea toe tufa ha meʻakai.
• ʻOange ki he kau ngāue ha kofunima, puti mo e ngaahi mōsike ki he fakamaʻa, pea lau fakataha ʻa e Fakamaʻa mo e mōlo.
• Ngāueʻaki ʻa e kau langa ʻoku ʻi ai ʻenau laiseni pea maʻu ha ngaahi fakafuofua totongi tohi. Vakai ki he Fakaʻehiʻehi mei he ngaahi kākā.
• Fakafoki māmālie ʻa e kau ngāue, pea tokanga ki honau tuʻunga.
• Tala ki he kau fakatau ʻokú ke ava.

Lisi siviʻi¶

• Palani hokohoko kuo tohi pea tauhi ʻi ha feituʻu ʻe tolu
• Lisi fetuʻutaki ʻo e kau ngāue mo e pōpoaki fakakulupu kuo siviʻi
• Ngaahi tatau kuo siviʻi mei ha meʻangāue kehe
• ʻInisiua kuo lau, mo e ngaahi fehuʻi ki he lōmaki mo e tuʻu ʻa e pisinisi kuo tali
• Ngaahi puipui matapā sioʻata pe palaiuto ʻoku mateuteu, mo ha lisi ʻo e meʻa ʻe hiki ki ʻolunga
• Palani paʻanga mo ha nō fakaʻatā kuo fokotuʻu
• Tokotaha ʻoatu koloa fakafetongi ki he koloa mahuʻinga
• Ngaahi pōpoaki tāpuni mo toe fakaava kuo tohi

Ngaahi fakahinohino felāveʻi¶

• ʻInisiua afā mo e ngaahi tohi mahuʻinga
• Teuteu ho ʻapi ki ha afā
• Malu ʻo e misini ʻuhila
• Fakaʻehiʻehi mei he ngaahi kākā
• Tokoni ki ho kolo