Fakahoko ʻa e Paʻanga mo e Dementia: Tokoni ʻOku Malu Ange

Ko e ngaahi filifili paʻanga ʻoku fakaʻaonga ki he malava mo e moʻui ʻo e tokotaha ʻi he ʻaho. Kapau ʻoku faingataʻa ha ngāue, kamata ʻaki ʻa e ngāue ko iá ʻi he taimi ʻoku ʻikai ai ke fakakaukau ʻoku totonu ke fai ʻe ha taha kehe ʻa e me’a kotoa. Fehuʻi ki he tokotaha ko e hā ʻa e tokoni ʻoku ne loto ki ai pea tauhi ia ʻi he ngāue.

Ko e peesi ni ʻoku ʻi ai ha fakamatala lahi ki he kakai ʻi he US. ʻOku kehekehe ʻa e ngaahi filifili ʻa e falete mo e ngaahi lao ʻi he feituʻu kehekehe. Ko e talanoa ʻa e Alzheimer’s Society ki he fakahoko ʻa e ngaahi paʻanga ʻoku kau ai ʻa e ngaahi founga ke tokoni ai ki he tokotaha ʻi he tauhi ʻa hono tuʻunga. Ko e Consumer Financial Protection Bureau (CFPB) ʻoku fakamatala ʻe kehekehe ʻa e tokoni fakafāmili, ʻa e tokotaha falala, mo e mafai fakalao.

Ko e founga fēfē ke foaki ʻa e tokoni ʻo ʻikai ko e pule?

Fehuʻi ki he tokotaha ko e hā ʻa e ngāue paʻanga ʻoku loto ke tokoni ki ai. ʻOku lava ke loto ia ke vakai fakataha ki ha bili, fakatonutonu ʻa e mē, manatu ki he ʻaho ʻo e totongi, pe sivi ha kole ʻoku ʻikai ʻamanaki. ʻOku lava ke ʻi ai ʻene loto ke tokoni ki ha ngaahi ngāue ka ʻe loto ia ke ne fai ʻa e ngaahi ngāue kehe.

• Fehuʻi muʻa ʻi he ngāue. Ko e lea hangē ko e, “ʻE loto koe ke tau vakai fakataha ki he bili ni?” Foaki ha taimi ke ne fili.
• Tauhi ʻa e ngāue ʻe taha. Kapau ʻoku loto ʻa e tokotaha, vakai fakataha ki he paʻanga, ʻaho ʻo e totongi, pea mo e ngaahi founga totongi. Tuku ke ne fili ʻa e ngaahi filifili ʻoku loto ke ne fai.
• Fai ha lisi nounou fakataha. Ko ha lisi siʻisiʻi ʻo e ngaahi bili, ngaahi ʻaho ʻo e totongi, pe ngaahi sitepu kuo fakapapau ʻe lava ke tokoni ke ʻilo ʻe kimoutolu ʻi he taha kotoa ʻa e ngaahi meʻa kuo fai.
• Fehuʻi ki he falete ki hono ngaahi filifili. ʻE lava ke ʻi ai ʻenau founga ke fakafaingofua ʻa e ngaahi totongi pe sivi ʻa e ngaahi ngāue. Fehuʻi pe ko e hā ʻa e me’a ʻe lava ke fai ʻe he filifili kotoa muʻa ʻi he liliu ʻo e ʻakaunti.
• Fetuʻutaki toe hili ʻa e taimi. ʻE liliu ʻa e ngaahi filifili ʻo e tokotaha. Tauhi ʻa e tokoni ʻi he ngaahi meʻa ʻoku loto ki ai pea ʻoku fiemaʻu ʻi he taimi ni.

ʻOku fakamatala ʻe he CFPB ko e tokoni fakafāmili ʻoku ʻi ai ʻa e vakai ki he ngaahi bili mo e fakapaʻanga fakataha mo ha taha ʻi he taimi ʻoku ʻi ai pe ʻe tuku ʻe he tokotaha ʻene fakamafai ki he ngaahi fakatau. Ko ia ʻoku kehekehe mei he tuku ʻa ha taha kehe ke ne toʻo paʻanga pe fai ʻa e ngaahi totongi. ʻOua ʻe vahevahe ʻa e ngaahi lea-fufu, PIN, pe ngaahi code fakamaʻu taʻe-toe-fakahoko ʻo hangē ko ha founga vave.

Ko e hā ʻe lava ke tuku ʻe he tokotaha fakatōketā ke ne fai?

ʻI he US, ko e ngaahi tokotaha-falala ʻe lava ke fetuʻutaki ai ʻa e kautaha paʻanga ki he taha ʻoku fakahingoa ʻi he ngaahi taimi makehe, hangē ko e manavahē ki ha kākā ʻe lava. ʻOku pehē ʻe he CFPB ʻoku ʻikai ke foaki ʻe he fakahingoa ʻo e tokotaha falala ʻa e malava ki he ʻakaunti pe mafai ke fakaliliu ʻa e paʻanga. ʻOku ʻikai lava ke ʻi ai ʻa e feature ni ʻi he ʻakaunti kotoa, ko ia fehuʻi ki he falete pe kautaha fakapaʻanga ʻa e founga ʻo ʻene ngāue.

ʻI muʻa ʻi he liliu ʻo e malava pe ʻo e ʻakaunti, fehuʻi ki he falete mo ha poto fakalao ʻo ho feituʻu ke fakamahino ʻa e ngaahi filifili mo e ngaahi mamahi. ʻOku ʻikai ko e fakamatala ʻo e mahaki pē ʻe fakahā ai ʻa e ngaahi ngāue paʻanga ʻe lava ke fai ʻe ha tokotaha pe ʻa e ngaahi filifili ʻoku loto ki ai. Tauhi ia ʻi he ngaahi filifili ʻo hangē ko ʻene loto. Kapau ʻoku loto ia ke fai ha taha ke ngāue maʻana, fehuʻi pe ko e hā ʻa e founga ke fai ai ʻi he lao, ʻoua ʻe ngāue ʻaki ʻa e ngaahi lea-fufu ʻa ha taha kehe.

Ko e ngaahi liliu fēfē ʻoku totonu ke u sivi?

ʻOku lava ke ʻi ai ha ngaahi ʻuhinga kehekehe ki he bili kuo mole pe ngāue fakapaʻanga ʻoku ʻikai tatau. ʻOku ʻikai ko e fakamoʻoni ia ʻoku ʻikai lava ʻe he tokotaha ʻo puleʻi ʻa e paʻanga pe kuo kākā ai ha taha ki ai. Fehuʻi pe ko e hā ʻa e me’a kuo hoko, pea kapau ʻoku loto ʻa e tokotaha, vakai fakataha ki he tohinoa pe bili ʻoku fe’unga.

ʻOku fakamatala ʻe he CFPB ʻa e ngaahi fakaʻilo ʻe lava ʻo e kākā ʻi he paʻanga, ʻo kau ai ʻa e paʻanga pe koloa ʻoku mole, ʻave paʻanga fakavave ʻoku ʻikai ʻi he founga usu, ngaahi bili ʻoku ʻikai totongi, ko e kakai ʻoku ʻi ai ʻi he ngaahi ʻakaunti ʻoku ʻikai ʻiloa, pe ko ha taha ʻoku taʻofi ʻa e ngaahi telefoni mo e ngaahi ʻaʻahi ʻa e tokotaha. Vakai ki he ngaahi founga mo e liliu mei he founga usu ʻo e tokotaha ni; ʻoua ʻe fakakaukau ki ha fakaʻilo ʻe taha ko e fakamoʻoni.

Kapau ʻoku pehē ʻe he tokotaha ʻoku mole ʻa e paʻanga, fakakaukau ki he tokanga ko iá ʻi he loto-moʻoni. Ko hoʻo talanoa ki he founga ke tali ai ʻa e manavahē ʻoku ʻi ai ha founga ke vakai ai ki he tokanga ʻoku ʻikai ko e liliu ia. Fehuʻi ki he tokotaha ʻi he taha-taha pe ko e hā ʻoku ne sioʻi mo ʻene loto ke hoko hake. ʻOua ʻe tuhu ha fanau-fāmili, tokoni, pe ngāue ʻi he falete ʻi muʻa ʻi he sivi ʻo e moʻoni. Kapau ʻoku ke manavahē ki ha tokoni falala ʻoku ʻi ai ha kau, kumi ha fakakaukau ʻi he poto kehe pe ha tokoni ʻo ho feituʻu.

Ko e founga fēfē ke fakasiʻisiʻi ʻa e mamahi ʻo e kākā?

ʻE lava ke tuʻu ha kakai kākā ko ha falete, ngāue ʻa e kautaha pule, ʻa e kautaha ngāue, ʻa e kāinga pe kaungāʻapi. ʻE lava foki ke nau pehē ʻoku ʻi ai ha fakatoʻotoʻo pea nau fakaʻounga ke totongi ʻi he taimi pē ko iá. ʻOku fakaʻaongaʻi ʻe he talanoa ʻa e Alzheimer’s Association ki he malu ʻo e ngaahi meʻa-ngāue ke tuku ʻa e ngāue, sivi ʻa e fetuʻutaki, pea kumi ha tokoni ʻi muʻa ʻi he fakamatala pe paʻanga.

• Taʻofi ʻi he taimi ʻoku vave ai ʻa e fetuʻutaki. ʻOua ʻe fakafalala ʻa e paʻanga pe fakamatala ʻo e ʻakaunti ʻi he taimi ʻoku fakamaʻu ai ʻe ha taha telefoni pe fetuʻutaki.
• Sivi ʻaki ha numela ʻoku ʻiloa ʻoku falala ki ai. Taʻofi ʻa e telefoni pea fetuʻutaki ki he falete ʻaki ʻa e numela ʻi ha tohinoa fakamuimui pe ʻi he kāte, pe ngāue ʻaki ʻa e ʻapi ʻoku fakalao. ʻOua ʻe ngāue ʻaki ha lingi pe numela ʻoku fakahoko mai ʻe he kaungā-fetuʻutaki.
• Tauhi ʻa e fakamatala malu ʻo e ngaahi lea-fufu. ʻOua ʻe fakahoko ʻa e ngaahi lea-fufu, fakamatala ʻakaunti kakato, pe ngaahi code fakamoʻoni ʻi he tali ki ha fetuʻutaki taʻe-fakatokanga. ʻOku fakatokanga ʻe he FTC ke ʻoua ʻe tali ha telefoni taʻe-fakatokanga ʻoku kole ha code, pea fetuʻutaki ki he falete ʻaki ha numela ʻoku falala ki ai.
• Fakaʻaʻa-ngāue ʻi he tokotaha. Fehuʻi ki he tokotaha ko hai ʻoku loto ke ne fehuʻi ki ai kapau ʻoku ʻi ai ha kole ofo. Ko e taha-fetuʻutaki ʻa e falete ʻoku lava ke tokoni ke fetuʻutaki, ka ʻoku ʻikai ko e mafai ia ke fakahoko ʻa e ngaahi fakatau.

Ko e hā ʻoku totonu ke u fai kapau ʻoku ʻi ai ha paʻanga kuo ʻalu ki ha kākā?

Fetuʻutaki vave ki he falete, ʻaupu-paʻanga, ʻaupu kāte, pe kautaha kuo ngāue ʻaki ke fekau ai ʻa e paʻanga. Ngāue ʻaki ha numela ʻi ha kāte pe tohinoa, pe ʻa e ʻapi pe uepisaiti ʻoku fakalao ʻa e kautaha. Fehuʻi pe ʻe lava ke ne taʻofi pe toe foki mai ʻa e totongi. Ko e ngaahi sitepu toe foki mai ʻa e FTC ʻoku fakamatala ʻe fakatatau ʻa e filifili ki he founga ʻi ai ʻa e fekau ʻa e paʻanga; ʻoku ʻikai ke ʻi ai ʻa e fakapapau ʻe lava ke toe maʻu.

Tauhi ʻa e ngaahi fekau, ngaahi tohinoa, ʻaho, mo e ngaahi fakamatala ʻo e ʻakaunti. ʻI he US, ʻe lava ke ke lipooti ʻa e kākā ki he FTC. Kapau ʻoku ke manavahē ʻe ʻi ai ha taha ʻoku ngāue ʻino ki he kakai motuʻa, ko e Administration for Community Living ʻoku pehē ke fetuʻutaki ki he Adult Protective Services ʻi he feituʻu ʻo e tokotaha. Kapau ʻoku ʻi ai ha taha ʻi he mamahi vave, kumi ha tokoni fakavave ʻo ho feituʻu. ʻI tuʻa ʻi he US, ngāue ʻaki ʻa e ngaahi tokoni ʻo e kau tokoni ki he kakai ʻo e feituʻu.

ʻOua ʻe tuhu ki ha taha. ʻOku fakatupu ʻa e kākā ke fakaʻaʻa-ngāue ʻa e kakai. Ko e talanoa ʻa e CFPB ki he tokoni ki he kākā mo e fakaʻaʻa-ngāue ʻoku lisi ai ʻa e ngaahi founga lipooti ʻi he US, pea ʻoku fakaʻaongaʻi ʻa e ngaahi uepisaiti mo e numela ʻoku falala ki ai.

Ko e hā ʻa e tokoni ʻoku ʻaonga ki he filifili paʻanga makehe?

Fehuʻi ki he falete ʻa e tokotaha ko e hā ʻa e ngaahi meʻa-ngāue mo e mafai ʻoku ʻi ai. Ki ha tohi fakalao pe liliu ʻo e mafai ʻo e ʻakaunti, fehuʻi ki ha taha poto ʻoku ʻiloa ʻa e ngaahi lao ʻo e feituʻu ʻoku nofo ai ʻa e tokotaha. Kapau ʻoku ke manavahē ki ha ngāue ʻino fakapaʻanga, kumi ha tokoni ʻo ho feituʻu. ʻOku ʻikai lava ʻe he peesi ni ke fakamaʻu ʻa e mafai ʻa ha taha pe ko e fakatau ʻe taha ʻoku kākā ai.

Ko e talanoa ʻo e sitepu muʻomuʻa hili ʻa e fakamatala ʻo e mahaki ʻe lava ke tokoni ki he tokotaha mo e fāmili ke fili ha fehuʻi ki he palani ke fakalele. Ko e talanoa ʻa e fāmili ki he ngaahi fakakaukau kehe ʻoku ʻi ai ha founga ke talanoa ai ki ha tokanga ʻe taha ʻi he taimi.