Igunya legqwetha lixwebhu elisemthethweni eligunyazisa omnye umntu ukuba alawule iimali zakho kunye nepropathi egameni lakho. Injongo yolu xwebhu kukukhusela kunye nokukhusela ipropati yakho kunye nezinye izigqibo ezibalulekileyo ukuba isiganeko esingalindelekanga awukwazi ukwenza oko kwixesha elizayo. ECanada, umntu omnika eli gunya kubhekiswa kuye “njengegqwetha”, kodwa akufuneki ukuba abe ligqwetha.
Ukutyumba igqwetha kunokuba sisigqibo esibalulekileyo, ukucwangcisa ixesha apho unokufuna uncedo lokulawula imicimbi yakho. Umntu omtyumbileyo uya kukumela kwabanye xa ungakwazi, kuzo zonke izenzo ozigunyazise ukuba bazenze. Iindima eziqhelekileyo kunye noxanduva olunikwe igqwetha eKhanada ziquka ukuthengisa ipropati, ukuqokelela amatyala, kunye nokulawula utyalo-mali.
Iindidi zamagunya amagqwetha (PoA) asetyenziswa eCanada
1. Amandla ngokubanzi ommeli
Amandla egqwetha ngokubanzi luxwebhu olusemthethweni olugunyazisa igqwetha lakho phezu kwayo yonke okanye inxalenye yemali nepropati yakho. Igqwetha linegunya elipheleleyo lokulawula iimali zakho kunye nepropathi egameni lakho kangangexesha elithile—kuphela xa usenako ukuyilawula imicimbi yakho.
Eli gunya liyaphela ukuba uyasweleka okanye awukwazi ngokwengqondo ukulawula imicimbi yakho. Igunya eliqhelekileyo lommeli lisetyenziswa ngokuqhelekileyo kumashishini okanye ngenxa yezizathu zexeshana elifutshane. Inokukhawulelwa kwimisebenzi embalwa, njengokuthengisa ipropathi yezindlu okanye ukongamela utyalo-mali lwe-asethi.
2. Amandla egqwetha ahlala ehleli / aqhubayo
Olu xwebhu lomthetho lugunyazisa igqwetha lakho ukuba liqhubeke likumela ukuba awukwazi ngengqondo ukulawula iimali zakho kunye nepropati. Igqwetha olityumbileyo ligcina igunya lalo lokuthatha amanyathelo xa naxa ungakwazi ukunxibelelana okanye ngenye indlela engqondweni.
Njengoko kuchaziwe kuxwebhu, igqwetha linokusebenzisa igunya phezu kwayo yonke okanye inxalenye yemali nepropathi yakho. Iimeko ezithile zinokuvumela ukuba negunya elihlala lihleli lommeli ukuba liqalise ukusebenza kuphela xa ungekho ngokwasengqondweni. Oku kuthetha ukuba abanakusebenzisa igunya kwiimali zakho okanye kwipropathi xa usenakho ngokwasengqondweni ukulawula imicimbi yakho.
NgoSeptemba 1, 2011, utshintsho kwi Umthetho wamandla eGqwetha eBritish Columbia yaqala ukusebenza. Umthetho omtsha weza nempucuko emandla kumandla okunyamezela amagqwetha. Onke amaxwebhu amandla egqwetha asayinwe eBritish Columbia kufuneka athobele esi senzo sitsha.
Umthetho omtsha uvumela ukuba udale amandla ommeli kunye nemisebenzi ethile kunye namandla, imida kwigunya, izibophelelo ze-accounting, kunye nemithetho ethile yamagunya ommeli ojongene ne-real estate.
Ngubani onokumkhetha njengeGqwetha lakho?
Ungatyumba nawuphi na umntu ukuba abe ligqwetha lakho okoko nje enengqiqo elungileyo. Abantu bahlala bekhetha umntu abamaziyo ukuba angenza okona kulungileyo kubo. Lo isenokuba liqabane lomtshato, isalamane okanye umhlobo osenyongweni.
Iimfuno zokufaneleka zamandla egqwetha zihlala zihluka ngokwephondo, ngoko ke isoloko ingumbono olungileyo ukufuna ukutolika okusemthethweni ukuze uqinisekise imithetho yolawulo lwakho. Nanga amacebiso ambalwa okunceda ukhethe elona gqwetha libalaseleyo:
1. Khetha umntu onokukwazi ukuthwala uxanduva
Uxwebhu lwamandla egqwetha luya kugunyazisa umntu ukuba enze izigqibo ezinzima xa ungasakwazi ukwenza ngokuqonda. Basenokunikwa umsebenzi wokuvuma okanye ukwala ungenelelo olubalulekileyo olusindisa ubomi egameni lakho.
Igqwetha lakho lepropati kunye nemali yobuqu kuya kufuneka kwakhona ukuba lenze izigqibo ezibalulekileyo malunga nemali yakho kunye nezibophelelo zomthetho. Oku kuthetha ukuba kufuneka uzinze kumntu okwaziyo kwaye ukhululekile ukwenza izigqibo ezibalulekileyo ngamaxesha anoxinzelelo.
2. Khetha umntu okulungeleyo ukuthwala uxanduva
Xa kumiselwa igqwetha, omnye wemisebenzi ebalulekileyo kukuqinisekisa ukuba bazimisele na ukuthwala uxanduva. Basenokukwazi ukuthwala uxanduva, kodwa ngaba bayayiqonda imisebenzi kunye noxanduva olubandakanyekayo ekubeni liGqwetha lakho?
Qinisekisa ukuba bayayazi iminqweno yakho kwaye bakulungele ukugcwalisa ngawona maxesha anzima. Khumbula ukuba uya kuba nakho ukufumana iziphumo zako nakuphi na ukungaphumeleli kwicala legqwetha lakho
3. Khetha umntu ofanelekileyo njengegqwetha lakho
Amaphondo aseKhanada afuna ukuba umntu abe ngaphezulu kweminyaka yobudala ukuze asebenze njengegqwetha. I-Ontario kunye ne-Alberta zifuna abantu abadala abaneminyaka eyi-18 nangaphezulu, ngelixa iBritish Columbia ifuna ukuba umntu abe neminyaka eyi-19 okanye ngaphezulu.
Imfuneko yeminyaka yobudala inceda kuphela ekuthandeni kwakho ukuqinisekisa ukuba umelwe ngumntu omdala othembekileyo. Ngelixa kungekho mthetho ufuna igqwetha lakho libe ngumhlali waseKhanada, kungcono unyule umntu onokuqhagamshelana naye ukuba athathe amanyathelo ngokukhawuleza kwimeko kaxakeka.
Sayina
Amandla egqwetha aqala ukusebenza ngoko nangoko emva kokutyikitya okanye ngomhla othile owubandakanyayo kuxwebhu. Phakathi kwezinye izinto ezifunekayo, kufuneka ube uthe tye ngokwasengqondweni ukuze utyikitye naliphi na igunya legqwetha ukuze lithathwe lisemthethweni.
Ngokukwazi ukusebenza ngengqondo, kulindeleke ukuba uqonde kwaye uxabise into eyenziwa ligqwetha kunye neziphumo zokwenza eso sigqibo. Iphondo ngalinye eKhanada linemithetho kumagunya egqwetha elijongene nemali, ipropati kunye nokunyamekela komntu.
Ungafuna ingcebiso yegqwetha phambi kokuba utyikitye igunya legqwetha ukuqinisekisa ukuba yonke into isemthethweni. Uncedo lwezomthetho luya kukunika umfanekiso ocacileyo wokuba igqwetha lakho liya kukwazi ukwenza ntoni, indlela yokubeka iliso kwizenzo zegqwetha lakho, kwaye wenze ntoni xa ufuna ukurhoxisa igunya legqwetha.
Ukutyotyelwa Kwezandla Kumele Kwenzeke Ebukho BamaNgqina
Ukusayinwa kwegunya legqwetha kulandela amalungiselelo afanayo nomyolelo wakho wokugqibela. Okokuqala, kufuneka abekho amangqina xa utyobela, kwaye nawo kufuneka awasayine amaxwebhu. Abantu abafumana ngokuthe ngqo okanye ngokungathanga ngqo kwiziqulatho zoxwebhu abanakungqina ukusayinwa koxwebhu. Ziquka; igqwetha, iqabane labo, iqabane lasekuhlaleni, iqabane lakho kunye naye nabani na ongaphantsi kweminyaka yobudala kwiphondo labo.
Ungakhetha amangqina amabini azalisekisa le miqathango ingasentla, ngaphandle kwabahlali baseManitoba. ICandelo le-11 loMthetho waMagunya eGqwetha ibonelela ngoluhlu lwabantu abafanelekileyo ukuba babone amandla egqwetha esayina eManitoba. Ezi ziquka:
Umntu obhalisele ukutshata imitshato eManitoba; ijaji okanye umantyi eManitoba; ngugqirha oqeqeshiweyo eManitoba; igqwetha elikufaneleyo ukusebenza eManitoba; igosa laseburhulumenteni laseManitoba, okanye ipolisa kumkhosi wamapolisa kamasipala eManitoba.
Izinto eziluncedo zokuba namandla egqwetha
1. Inokukwenza ube noxolo lwengqondo
Ukutyumba igqwetha elizokumela kunika uxolo lwengqondo ukwazi ukuba uzakubakho umntu oza kwenza izigqibo ezibalulekileyo malunga nepropati yakho, imali okanye ukhathalelo lwempilo ngamaxesha angaqinisekanga.
2. Ukuthintela ukulibaziseka okungeyomfuneko ngexesha leemeko ezinzima
Uxwebhu lwamandla egqwetha luqinisekisa ukuba igqwetha lakho elichongiweyo linokukumela ngoko nangoko. Oku kuya kususa nakuphi na ukulibaziseka ekuthathweni kwezigqibo ukuba uya kukhubazeka okanye ungabikho ngokwasengqondweni.
Ukunqongophala kwamandla egqwetha kwipropathi okanye impilo yakho eCanada kuthetha ukuba ilungu losapho elisondeleyo liya kufuna ukufaka isicelo sokuba ngumgcini wakho onyulwe yinkundla. Le nkqubo inokubandakanya ukulibaziseka okungeyomfuneko xa isigqibo kufuneka senziwe ngokukhawuleza, kwaye isicelo sinokumela ukunyanzeliswa kokutshintsha ubomi kumntu othandekayo.
3. Inokukhusela abo ubathandayo
Ukukhetha igqwetha ngoku kuya kunciphisa uxinzelelo kubathandekayo bakho, abangakulungeli ukwenza izigqibo ezinzima ngexesha elinzima. Ikwabakhusela kumatyala amade asenkundleni okanye ekungavisisani ngenxa yeembono eziphikisanayo ngezigqibo ezibalulekileyo.
Kuthekani ngeZiGqibo Ngokuphathelele kuNonophelo lwezeMpilo kunye noKhathalelo loBuqu?
Amacandelo ommandla waseKhanada akuvumela ukuba uyile amaxwebhu anika omnye umntu igunya lokwenza ukhathalelo lwempilo kunye nezinye izigqibo ezingezizo ezemali egameni lakho. Igunya lokwenza ezi zigqibo liyasebenza kuphela ukuba ubunokungakwazi ukuzimela ngokwasengqondweni. Kwi-BC, uxwebhu olunjalo lubizwa ngokuba sisivumelwano sokumela.
Ngaba ndisenokwenza izigqibo ukuba ndinika umntu i-PoA?
Ukhululekile ukuba wenze izigqibo malunga nezimali zakho kunye nepropathi ukuba nje usenakho ngokwasengqondweni. Ngokufanayo, umthetho ikuvumela ukuba urhoxise okanye utshintshe amandla akho egqwetha ukuba nje usenakho ukwenza izigqibo zomthetho. Umthetho ukwavumela igqwetha lakho elichongiweyo ukuba lale ukwenza egameni lakho.
Izibonelelo zegunya legqwetha ziyahluka ukusuka kwiphondo ukuya kwiphondo eKhanada. Ngenxa yoko, umthetho unokufuna ukuba uhlaziye amaxwebhu akho ukuba uthatha isigqibo sokufuduka.
Ngokubanzi, ii-PoAs ziza nempembelelo enkulu kwizigqibo zakho kamva ebomini. Ekuphela kwemida kweli gunya kukuba igqwetha lakho alikwazi ukumisela amandla amatsha egqwetha, ukutshintsha umyolelo wakho, okanye wongeze umntu omtsha kwipolisi yakho ye-inshorensi.
Yise kude
Igunya legqwetha lixwebhu elibalulekileyo elikuvumela ukuba ulawule izigqibo ezibalulekileyo ebomini bakho, nokuba awusakwazi ukwenza izinto. Olu xwebhu luqinisekisa ukhuseleko lwepropati yakho, lukhusela impilo-ntle yakho yonke kwaye lunceda ukuphepha iingxaki kubathandekayo bakho. Cinga ukuthetha naye igqwetha okokuqala ukuqonda yonke imingcipheko kunye neenzuzo kunye nohlobo olufanelekileyo loxwebhu.
Izibonelelo:
Yintoni wonke umntu omdala waseKhanada afanele azi ngayo: Amandla egqwetha (kwimicimbi yezemali kunye nepropathi) kunye neeakhawunti zebhanki ezidibeneyo
UMthetho waMandla eGqwetha – RSBC – 1996 Isahluko sama-370
Manitoba UMthetho waMagunya eGqwetha CCSM c. P97
Yintoni ekufuneka wonke umntu omdala waseKhanada uyazi malunga namaGqwetha eGqwetha
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