Kodi amayi anu, abambo anu, kapena wokondedwa wanu ali kunyumba mochedwa kulipira mabilu awo amagetsi? Kodi mwaona kuti akuvutika kusamalira ndalama zawo kuposa kale? Nthawi zambiri timaziona ngati zinthu zachilendo zomwe zimachitika tikamakalamba. Komabe, kafukufuku waposachedwapa akusonyeza kuti ichi chikhoza kukhala chizindikiro choyambirira cha chinthu chozama kuposa momwe timaganizira: vuto lokhudzana ndi kukumbukira monga matenda a dementia.
Kodi chinthu chatsopanochi n’chiyani?
Izi zinapezeka mu kusanthula komwe kunachitika ndi banki yayikulu ku New York, USA. Anafufuza gulu lalikulu la anthu, pafupifupi 2.4 miliyoni, kwa zaka 14, kuphatikiza zambiri zachuma ndi zolemba zachipatala. Chomwe adapeza chinali chakuti khalidwe la munthu pazachuma linasintha zaka zingapo madokotala asanamupeze ndi matenda a Alzheimer's kapena matenda ofanana ndi a dementia.
Mwachidule, amayamba kulipira mabilu mochedwa, ndipo salipira ngongole zawo. Zili ngati thambo likuda mvula yamkuntho isanayambe. Kale kwambiri zizindikiro zisanayambe kuonekera, kusintha kwa ubongo kumayamba kukhudza ntchito za tsiku ndi tsiku, makamaka zomwe zimakhudza ndalama, zomwe zimafuna kukonzekera ndi kusamala.
Kafukufukuyu akusonyeza kuti kuyang'ana mbiri ya zachuma ya munthu kungapereke zizindikiro zina zokhudza chiopsezo chake chotenga matenda okhudzana ndi kukumbukira mtsogolo.
Kodi mavuto azachuma amayamba bwanji matendawa asanadziwike?
Kafukufukuyu wapeza njira zina zomveka bwino. Sikuti nthawi imodzi yokha mumaiwala kulipira bilu. Kusintha kumeneku kumadziwika bwino komanso nthawi zonse.
Tangoganizirani, abambo anu ndi munthu amene nthawi zonse amalipira bilu yamagetsi akangolandira malipiro awo pamwezi. Koma tsopano akhala akunyalanyaza kwa miyezi ingapo. Amalipira pokhapokha akakumbutsidwa. Izi ndi zinthu zomwe tiyenera kuziganizira.
Mutha kumvetsetsa izi bwino kuchokera pa tebulo ili m'munsimu.
| Vuto la zachuma | Kodi matendawa amayamba kuonekera nthawi yayitali bwanji asanayambe kudwala? |
|---|---|
| Kuchedwa kulipira mabilu a kirediti kadi | Kuyambira zaka pafupifupi 5 zapitazo |
| Kuchedwa kulipira ngongole ya nyumba | Kuyambira zaka pafupifupi zitatu zapitazo |
Izi zikutanthauza kuti patatha zaka 5 dokotala asanamupeze munthu amene ali ndi matenda a dementia, munthuyo amayamba kulephera kulipira ngongole zake za kirediti kadi. Pankhani ya ngongole ya nyumba, kuchedwa kumeneku kungaonekere patatha zaka 3. Ili ndi vuto lalikulu chifukwa pakadali pano, munthuyo kapena banja lake sadziwa mavuto akuluakulu azaumoyo omwe akubwera.
N’chifukwa chiyani kuli kofunika kudziwa nkhani zachuma zimenezi?
Pali zifukwa zingapo zazikulu zomwe izi zilili zofunika.
1. Kupsinjika maganizo m'banja: Kusamalira munthu yemwe ali ndi vuto la dementia kumawononga ndalama zambiri. Ndalama zimafunika pochiza matenda, malo apadera, komanso mwina kulipira wosamalira. Chifukwa chake, kupirira ndalama zowonjezerazi panthawi yomwe matendawa ayambitsa mavuto azachuma ndipo ali kale ndi ngongole ndi vuto lalikulu pabanja.
2. Kuwonetsa kufooka mu ntchito ya ubongo: Kusamalira ndalama si ntchito yophweka. Imafuna kukumbukira bwino, luso lokonzekera, ndi luso loganiza bwino, ndiko kuti, zomwe madokotala amati ntchito yamaganizo . Chifukwa chake, kusatha kuchita ntchitoyi bwino ndi umboni wabwino kwambiri wakuti luso la ubongo limeneli likufooka.
3. Kuwonjezeka kwa chiopsezo cha chinyengo: Luso loganiza likasokonekera, zimakhala zosavuta kukhulupirira zomwe wina akunena. Chifukwa cha izi, pakhoza kukhala achinyengo azachuma omwe akuyang'ana anthu omwe ali kumayambiriro kwa matenda amisala. Amakhala ndi mwayi wotaya ndalama ndi katundu.
Kupatulapo mabilu ochedwa, ndi zizindikiro zina ziti zomwe muyenera kuyang'ana?
Mavuto azachuma ndi chizindikiro chimodzi chokha cha matenda amisala. Kuphatikiza apo, dziwani kusintha kumeneku mwa wokondedwa wanu.
- Kutaya kukumbukira mpaka kufika pakusintha moyo watsiku ndi tsiku: kuiwala zochitika zakale, kufunsa funso lomwelo mobwerezabwereza.
- Kuvuta kukonzekera kapena kuthetsa mavuto: Kuvuta kuphika chakudya cha tsiku ndi tsiku motsatira maphikidwe, chisokonezo pa kuwerengera.
- Kuvuta kuchita ntchito zodziwika bwino: Kuiwala momwe mungafikire kusitolo nokha, osatha kugwiritsa ntchito chipangizo monga makina ochapira.
- Kusokonezeka kwa nthawi ndi malo: Kusokonezeka kwa komwe muli, kaya ndi masana kapena usiku.
- Kuvuta kugwiritsa ntchito mawu:Kusatha kupeza mawu oyenera polankhula kapena polemba, kapena kugwiritsa ntchito mayina olakwika pazinthu.
- Kuyika zinthu molakwika: Kuchita zinthu monga kuyika makiyi anu mufiriji ndikulephera kubwereranso kuti muwapeze.
- Kusaganiza bwino: kupanga zisankho zopanda nzeru pankhani ya ndalama, kusaganizira za ukhondo wa munthu.
- Kudzipatula pagulu: Kupewa kukumana ndi abwenzi, kupita ku maphwando, ndi zina zotero.
- Kusintha kwa khalidwe ndi umunthu: kukhala wokwiya msanga, wamantha, wokayikira, kapena wokwiya.
Ndiye ndiyenera kuchita chiyani?
Choyamba, musachite mantha ngati muwona chimodzi kapena ziwiri mwa zizindikirozi. Pamene tikukula, timaiwala zinthu zazing'ono. Zimenezo n'zachibadwa.
Komabe, ngati mukuona kusintha koonekeratu kwa kalembedwe , zomwe zikutanthauza kuti mavutowa ndi aakulu kuposa kale, musawanyalanyaze. Makamaka ngati mukukumana ndi zizindikiro zina zokhudzana ndi kukumbukira komanso mavuto azachuma, muyenera kufunsa upangiri wa dokotala.
Chinthu chabwino komanso chodalirika kwambiri choti muchite ndikuonana ndi dokotala wa banja lanu ndikukambirana momasuka za izi. Iye akhoza kuwunika momwe zinthu zilili ndipo, ngati kuli kofunikira, angakutumizireni kwa katswiri monga katswiri wa mitsempha kapena wamisala. Matendawa akapezeka msanga, wodwalayo ndi banja lake amakhala okonzeka bwino kuthana ndi mavuto omwe ali patsogolo.
Uthenga Wopita Nawo Kunyumba
- Khalani achikondi komanso osamala ndi khalidwe la zachuma la makolo anu okalamba kapena okondedwa anu. Kulipira mochedwa ngongole komanso mavuto okhudzana ndi kusamalira ngongole kungakhale chenjezo la matenda amisala.
- Kumbukirani kuti mavuto azachuma amenewa angayambe zaka zambiri matendawa asanadziwike mwalamulo.
- Ngati mukuona kusiyana koonekeratu pazinthu monga kukumbukira, kupanga zisankho, ndi kukonzekera, musamangonyalanyaza chifukwa "ndi momwe zimakhalira mukakula," koma pitani kwa dokotala nthawi yomweyo.
- Kuzindikira matendawa msanga kumathandiza kwambiri wodwalayo kukhala ndi ulemu komanso kukonzekeretsa banja lake pazachuma komanso m'maganizo kuti athe kuthana ndi mavuto omwe angakumane nawo.











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