If yu mama, papa, ɔr pɔsin we rili lɛk yu gɛt Alzaima, wi no aw i nɔ kin izi fɔ yu fɔ fil. I at fɔ tɔk bɔt di sɔri we yu de fil we yu de wach di pɔsin we yu lɛk de chenj smɔl smɔl ɛn i nɔ de mɛmba igen. Bɔt wan rili impɔtant say de pan dɛn filin ya we wi kin fɔgɛt fɔ tɔk bɔt sɔntɛnde. Dat na di say we gɛt fɔ du wit mɔni biznɛs. Alzaima sik na wan sik wae de sik kin wɔs smɔl smɔl as tɛm de go. So di waka kin lɔng. So, i rili impɔtant fɔ tink bifo tɛm ɛn plan fɔ gɛt mɔni fɔ bia wit am.
Lɛ wi ɔndastand di kɔst fɔ kia fɔ wi
Alzaima sik na wae de sik lɛk wae pɔrsin nɔr de mɛmba fayn, wae pɔrsin kin kɔnfyus, ɛn wae i nɔr kin izi fɔ tɔk bɔt aw pɔrsin de tink kin wɔs as tɛm de go. Di sik pipul dɛn kin liv bitwin 4 ɛn 8 ia afta dɛn dɔn no se dɛn gɛt di sik, bɔt sɔm pipul dɛn kin liv lɔng lɛk 20 ia. Dis na di rizin we mek i impɔtant fɔ gɛt plan fɔ lɔng tɛm.
Bɔt mɛmba se as di sik de go bifo, yu plan kin gɛt fɔ chenj.
Ɛnitɛm we i pɔsibul, if di pɔsin we yu lɛk kin tɔk bɔt wetin dɛn nid, put am insay dis tɔk. Sɔntɛm di wan ol famili kin kam togɛda fɔ bia dis mɔni prɔblɛm. Sɔntɛm yu wan go gɛt fɔ bia wit dis. Bɔt if i pɔsibul, i go fayn fɔ mek yu fambul, fambul, ɛn padi dɛn kam togɛda fɔ tɔk bɔt di plan fɔ shɔt tɛm ɛn fɔ lɔng tɛm.
Dis dɔŋ ya na sɔm pan de kayn spɛns wae yu kin gɛt as de sik de go bifo.
| Di kayn ɛkspɛns we yu de spɛn | Tɔk bɔt |
|---|---|
| Di fi fɔ mɛn pipul dɛn | Di fi fɔ go to dɔktɔ, tɛst fɔ no if pɔsin gɛt sik, fɔ mɛn di sik dɛn, ɛn fɔ fala di sik. |
| Mɛrɛsin ɛn ikwipmɛnt dɛn | Di spɛns fɔ tin dɛn lɛk di mɛrɛsin dɛn we di dɔktɔ gi yu, vaytamɛn dɛn, tin dɛn fɔ kia fɔ yu skin, ɛn big pipul dɛn dayapɛt. |
| Sekyuriti na os | If di pɔsin we sik de waka waka kɔmɔt na di os we i nɔ no, i fɔ spɛn fɔ put spɛshal lɔk dɛn na di domɔt ɛn winda dɛn na di os, ɛn fɔ mek di bafa nɔ slip. |
| Di say dɛn we dɛn kin kia fɔ pikin dɛn we dɛn kin kia fɔ di pikin dɛn | If yu go wok, di fi fɔ big pipul dɛn de kia fɔ di pɔsin fɔ kia fɔ di pɔsin insay di de. |
| Savis na os | Fɔ haya nɔs ɔ ɛdman fɔ kia fɔ di pɔsin na os. |
| Ful-taym kia | Di kɔst fɔ put yu na nɔs os ɔ spɛshal sɛnta we de kia fɔ yu 24 awa if di sik wɔs. |
Us mɔni tin dɛn de fɔ ɛp?
Na nɔmal tin fɔ mek yu fred we yu si dɛn spɛns ya. Bɔt sɔm we dɛn de we go ɛp yu fɔ pe fɔ dɛn tin ya.
Di pɔsin we yu lɛk kin gɛt penshɔn, pɔsin in yon sevings , ɔ Employees’ Provident Fund (EPF). Dɔn bak, chɛk dɛn tin ya:
- Inshɔrans: Si if dɛn gɛt layf inshɔrans ɔ wɛlbɔdi inshɔrans. Sɔm inshɔrans polisi dɛn kin gɛt spɛshal kɔvarej fɔ lɔng tɛm kɔndishɔn lɛk dis.
- Kɔmyuniti Program dɛn: Insay sɔm eria dɛn, tɛmpul dɛn, chɔch dɛn, ɔ ɔda kɔmyuniti ɔganayzeshɔn dɛn kin gi savis dɛn lɛk fɔ it fri ɔ fɔ smɔl mɔni ɛn fɔ kɛr pipul dɛn go to di dɔktɔ. Dɛn tin ya kin sev mɔni.
- Gɔvmɛnt Sɔpɔt: Insay ɔda kɔntri dɛn, insay dɛn kayn kes ya, di gɔvmɛnt kin gi spɛshal bɛnifit (lɛk Mɛdikal ɛp) ɔ disabiliti bɛnifit (lɛk Disabiliti Inkam). Insay wi kɔntri, yu kin no bak if di Dipatmɛnt fɔ Sɔshial Savis gɛt ɛni rilif program fɔ ol pipul dɛn ɔ di wan dɛn we gɛt spɛshal nid. Tray fɔ no mɔ bɔt dis frɔm di Divishɔnal Sɛktriat.
- Prɔpati ɛn Invɛstmɛnt: If dɛn gɛt land, os, ɔ ɔda invɛstmɛnt, dɛn kin yuz di mɔni we dɛn kin gɛt fɔ dɛn spɛnd dɛn ya.
Tek kia ɔf ɔda mɔni wok dɛn bak.
Apat frɔm di kɔst fɔ kia fɔ yu, yu nid fɔ pe atɛnshɔn bak to di pɔsin we yu lɛk in yon mɔni. Dis kin min fɔ pe bil dɛn di rayt tɛm, fɔ fayl inshɔrans klem, fɔ pe taks ɛvri ia, ɛn fɔ manej di tin dɛn we dɛn dɔn put insay.
Di tin we impɔtant pas ɔl: Mɛmba se, dɛn kin gɛt mɔni fɔ ful pipul dɛn we dɔn ol ɔ we sik. So una rili tek tɛm wit dɛn mɔni ɛn prɔpati dɛn. Nɔ gi pipul dɛn we yu nɔ no bɔt di bank ditil dɛn.
Di bɛnifit dɛn we pɔsin kin gɛt we i gɛt ɛp frɔm masta sabi bukman dɛn
If yu tray fɔ du ɔl dis fɔ yusɛf, dat kin mek yu at pwɛl. If yu gɛt ɛkspɛkt ɛp wit dɛn mɔni ɛn lɔ biznɛs ya, dat kin ɛp yu fɔ pe atɛnshɔn mɔ pan aw fɔ kia fɔ di pɔsin we yu lɛk.
- Lɔya: Lɔya we sabi bɔt ligal tin dɛn we gɛt fɔ du wit big pipul dɛn kin gayd yu. Ɛspɛshali, fɔ pripia tin dɛn lɛk Wil ɛn Pawa fɔ Atɔ di lɔ kin ɛp fɔ mek bɔku prɔblɛm dɛn we go apin tumara bambay nɔ apin.
- Faynanshɛl Advaysa: Faynanshɛl advaysa we spɛshal pan faynɛns planin fɔ kia fɔ ɛlda kin advays yu bɔt aw fɔ yuz yu prɔpati dɛn fayn fayn wan ɛn aw fɔ yuz yu mɔni fɔ lɔng tɛm.
Kip di dɔkyumɛnt dɛn we yu nid fɔ de ɔdasay.
Ilɛksɛf yu du dɛn faynɛns wok ya yusɛf ɔ yu gi dɛn to spɛshal pɔsin, i rili impɔtant fɔ kip di dɔkyumɛnt dɛn we yu nid na wan ples. Dis go mek yu nɔ spɛn bɔku tɛm ɛn tray tranga wan. As kwik as yu ebul, gɛda dɛn dɔkyumɛnt dɛn ya ɛn kip dɛn na fayl.
- Bank akaunt infɔmeshɔn
- Ditiɛl dɛn bɔt di bil ɛn dɛt dɛn we dɛn fɔ pe
- Invɛstmɛnt akɔn infɔmeshɔn
- Dokumɛnt dɛn we gɛt fɔ du wit mɔni we dɛn de gɛt frɔm mɔtgɛj ɔ we dɛn de rɛnt
- Prɔpati dɛd dɛn
- Dokumɛnt dɛn we gɛt fɔ du wit tin dɛn lɛk penshɔn ɛn Employees Provident Fund
- Stok ɛn bond sɛtifiket dɛn
- Wil, plus medikal ɛn durable pawa fɔ atɔna
Dis waka tranga, bɔt if yu plan fayn ɛn nɔ shek fɔ aks fɔ ɛp we nid de, yu ɛn di pɔsin we yu lɛk go ebul fɔ pas dis tɛm izi smɔl.
Mɛsej we dɛn kin kɛr go na os
- Bikɔs Alzaima sik na sik wae de kam fɔ lɔng tɛm, e kin bi pan mɔni biznɛsPlan kwik kwik wan.
- Nɔ de yu wan pan dis waka. Una gɛda wit yu fambul ɛn padi dɛn fɔ tɔk bɔt ɛn disayd fɔ du sɔntin.
- Gɛt klia ɔndastandin bɔt ɔl di kɔst dɛn we pɔsin kin gɛt . Tɔk to yu dɔktɔ bɔt dis.
- Ɛksplɔrɔ ɔl di mɔni we dɛn gɛt, lɛk fɔ sev mɔni, inshɔrans, ɛn program dɛn we de na di kɔmyuniti.
- Kip di ligal dɔkyumɛnt dɛn we yu nid (las wil, laysens) ɛn faynɛns dɔkyumɛnt dɛn insay ɔda.
- Nɔ shek fɔ aks pɔsin we sabi du in wok, lɛk lɔya ɔ pɔsin we de advays yu bɔt mɔni biznɛs, ɛp yu.
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