Kodi ndingayang'ane bwanji mfundo zanga za Infonavit?

Monga Czech Mfundo Zanga za Infonavit

Institute of the National Housing Fund for Workers (Infonavit) ndi bungwe la ku Mexico lomwe limayang'anira ntchito zoperekera ndalama zoperekera ngongole kwa ogwira ntchito. Ngati ndinu m'modzi mwa opindula ndi pulogalamuyi, ndikofunikira kuti mudziwe momwe mungayang'anire mfundo zanu za Infonavit. Kudzera pa intaneti ya Infonavit, mutha kupeza izi mwachangu komanso mosavuta. Kenako, tikufotokozerani zomwe muyenera kutsatira kuti muwone mfundo zanu.

Kufikira pa intaneti ya Infonavit

Kuti muwonetsetse yankho Mfundo za Infonavit, muyenera kulowa pa intaneti ya bungweli. Dongosololi limapezeka kudzera patsamba lovomerezeka la Infonavit. Adilesi yapaintaneti ndi www.infonavit.gob.mx. Mukalowa patsambalo, yang'anani gawo la "Akaunti Yanga", komwe mungapeze njira⁤ "Infonavit Points". Dinani pa njira iyi kuti mupeze njira yolumikizirana.

Kulembetsa mu dongosolo

Ngati mulibe akaunti pa intaneti ya Infonavit, muyenera kulembetsa. Kuti muchite izi, dinani pa "Register me" njira yomwe mudzapeza patsamba lofikira lanyumba Mudzatumizidwa kuwindo latsopano komwe muyenera "kupereka nambala yanu". chitetezo chamtundu ndi zina zaumwini. Kulembetsa kukamalizidwa, mudzalandira imelo yokhala ndi zambiri za akaunti yanu.

Onani malo anu a Infonavit

Mukalowa mu dongosolo ndi deta yanu kufikira, mutha kuyang'ana malo anu a Infonavit. Mu gawo la "Infonavit Points", mupeza chidule cha mbiri yanu yomwe mwasonkhanitsa Mudzatha kutsimikizira kuchuluka kwa mfundo zomwe mwapeza mpaka pano ndikuwona momwe zagwiritsidwira ntchito. Kuonjezera apo, mudzakhalanso ndi mwayi wofotokozera mwatsatanetsatane mbiri ya mfundo zanu, kuphatikizapo nthawi yomwe mwapanga mfundo, komanso zambiri za ngongole zomwe mwagwiritsa ntchito.

Podziwa momwe mungayang'anire mfundo zanu za Infonavit mutha kudziwa zabwino zomwe mwapeza kudzera mu pulogalamuyi. Kumbukirani zimenezo Infonavit points Zitha kugwiritsidwa ntchito kuti mupeze ngongole yanyumba, choncho ndikofunikira kuti muziwunika pafupipafupi. Tsatirani njira zomwe tafotokozazi ndikusunga zambiri zanu kudzera pa intaneti ya Infonavit.

1. Malangizo kuti mupeze nsanja ya Infonavit

Kuti mupeze nsanja ya Infonavit ndikuwona mfundo zanu, ndikofunikira kutsatira malangizo osavuta koma ofunikira. Choyamba, muyenera kulowa patsamba la Infonavit ⁢kupyolera mumsakatuli womwe mumakonda. Mukakhala patsamba lalikulu, yang'anani gawo la "Akaunti Yanga ya Infonavit" ndikudina kuti mupeze malo olowera.

Mukalowa malo olowera, muyenera kulowa nambala yanu yachitetezo cha anthu ndi mawu achinsinsi. Ngati iyi ndi nthawi yanu yoyamba kugwiritsa ntchito nsanja, ndizotheka kuti mulibe mawu achinsinsi, muyenera kusankha "Pangani mawu achinsinsi" ndikutsata njira zomwe zikuwonetsedwa ndi dongosolo. Kumbukirani⁤ kuti mawu anu achinsinsi ayenera kukhala otetezeka komanso osavuta kukumbukira, kupewa kugwiritsa ntchito zambiri zanu ngati zanu tsiku lobadwa kapena dzina la abale ako.

Mukalowetsa zidziwitso zanu, mudzatumizidwa ku mbiri yanu papulatifomu ya Infonavit. Apa mupeza magawo ndi zida zosiyanasiyana zomwe zimakupatsani mwayi wowona mfundo zanu, kupempha ngongole, kuyang'anira akaunti yanu ndi zina zambiri. Kuti muwone malo anu a Infonavit, yang'anani njira yomwe imati "Kufufuza Mapointi" kapena "Makhalidwe a Akaunti". Posankha izi, zenera latsopano lidzatsegulidwa ndi mphambu yanu yamakono, yomwe imawerengedwa kutengera zinthu zosiyanasiyana monga zaka zomwe mwapereka, malipiro anu, pakati pa ena.

2. Momwe mungalembetsere akaunti pa portal ya Infonavit

1. Zofunikira pakulembetsa akaunti patsamba la Infonavit

Musanayambe kulembetsa pa Infonavit portal, ndikofunikira kutsatira zomwe zakhazikitsidwa kuti mutsimikizire kukhazikitsidwa koyenera kwa akaunti yanu. Choyamba, muyenera kukhala wopindula ndi Infonavit, zomwe zikutanthauza kukhala ⁢wantchito mu ubale wodalira komanso kukhala ndi ⁢Social⁢ Security Number (NSS) yovomerezeka. Kuphatikiza apo, mudzafunika⁤ kukhala ndi adilesi yaposachedwa ya imelo, chifukwa idzagwiritsidwa ntchito kutsimikizira ndi kuyambitsa akaunti yanu pa portal.

Kuti mumalize kulembetsa, muyenera kulowa patsamba lovomerezeka la Infonavit ndikusankha njira ya "Registration", yomwe ingakutsogolereni pazofunikira. Zina mwazomwe zimafunikira panthawiyi zikuphatikizapo dzina lanu lonse, CURP, tsiku lobadwa, nambala ya foni ndi mawu achinsinsi otetezedwa Pamene deta yonse yalowetsedwa ndipo ndondomeko zachinsinsi zavomerezedwa, muyenera kutsimikizira imelo yanu pogwiritsa ntchito ulalo a⁢. zatumizidwa ku inbox yanu. Ndi izi, ⁢akaunti yanu pa Infonavit portal idzakhala ⁢yachangu, ndipo ⁤mudzatha kupeza mautumiki ndi maubwino onse omwe alipo.

2. Ntchito zomwe zilipo pa Infonavit portal

Mukalembetsa bwino akaunti yanu pa Infonavit portal, mudzatha kupeza ntchito ndi ntchito zingapo zomwe zimapangidwira kuti zikupatseni mwayi komanso luso muubwenzi wanu ndi Infonavit. Zina mwazinthu zazikulu zomwe zilipo ndi monga kufunsa chikalata cha akaunti yanu, komwe mungayang'ane ndalama zanu zangongole, mbiri ya zomwe mwalipira komanso ndalama zomwe munabweza. Kuphatikiza apo, mutha kulipira ndi kufotokozera pa intaneti, osapita nokha ku maofesi a Infonavit.

Ntchito ina yodziwika bwino ya portal ndikuthekera⁤ kupempha ndi kutengera mbiri, zomwe zimakupatsani mwayi wofufuza njira zosiyanasiyana zopezera ndalama zoperekedwa ndi Infonavit. Kuphatikiza apo, mudzatha kusintha ndikusintha zambiri zanu mosavuta komanso mwachangu, komanso kulandira zidziwitso ndikulumikizana mwachindunji ndi⁢Infonavit kudzera⁢ gawo la mauthenga. Infonavit portal ndi chida chofunikira kwambiri chowongolera ndikugwiritsa ntchito bwino phindu lomwe bungweli limapereka, ndikupereka mwayi wotetezedwa komanso wothandiza pantchito zake zonse.

3. Malingaliro olembetsa pa Infonavit portal⁢

Kuti mutsimikizire kulembetsa bwino ndikupewa zopinga, tikulimbikitsidwa kutsatira malingaliro ena panthawi yolembetsa pa Infonavit portal. Choyamba, onetsetsani kuti muli ndi intaneti yabwino ndikugwiritsa ntchito chipangizo chotetezeka kuti mukwaniritse ntchitoyi. Kuphatikiza apo, ndikofunikira ⁢kupereka data yosinthidwa komanso yowona, popeza ⁢kusiyana kulikonse ⁢kutha kukhudza kupangidwa koyenera ndi kagwiritsidwe ntchito ka akaunti yanu.

Lingaliro lina lofunikira ndikusunga zambiri zolowera⁤ motetezeka, kupewa kugawana ndi anthu ena ndikugwiritsa ntchito mawu achinsinsi amphamvu omwe amaphatikiza zilembo zazikulu ndi zazing'ono, manambala ndi zilembo zapadera. Mwanjira iyi, mudzatsimikizira zachinsinsi komanso chitetezo chazomwe muli nazo pa Infonavit portal.

3. Njira zowonera malo anu a Infonavit pa intaneti

1. Pezani tsamba lovomerezeka la Infonavit

Kuti muwone malo anu a Infonavit pa intaneti, ndikofunikira kuti mupeze tsamba lovomerezeka la Infonavit. Mutha kuchita pogwiritsa ntchito chipangizo chilichonse ndi Kupeza intaneti, monga kompyuta yanu, piritsi kapena foni yam'manja. Mukakhala patsamba lalikulu latsambalo, yang'anani njira ya "Akaunti Yanga ya Infonavit". ndikudina pa izo.

2. Lowani ndi akaunti yanu ya Infonavit

Mukalowa gawo la "Akaunti Yanga ya Infonavit",⁢ muyenera Lowani muakaunti ndi akaunti yanu ya Infonavit. Ngati mulibe akaunti, mutha pangani⁢ imodzi mosavuta kutsatira njira zomwe zasonyezedwa patsambali. Ngati muli ndi akaunti kale, ingolowetsani wogwiritsa ntchito y mawu achinsinsi kuti⁢ kupeza⁤ mbiri yanu.

3. Onani mfundo zanu za Infonavit

Mukalowa, mudzatumizidwa ku mbiri yanu ya Infonavit. Mu gawo ili yang'anani njira "Check points". Mwa kuwonekera pa izi, chidule cha mfundo zanu za Infonavit chiwonetsedwa, kuphatikiza zambiri za zomwe mwapereka, ma credits, ndi ndalama zomwe zilipo. Mutha kugwiritsa ntchito izi yang'anani mkhalidwe wanu wangongole ndi⁢ kupanga zisankho mwanzeru.

Kumbukirani kuti ndikofunikira sungani zambiri zanu zatsopano kuwonetsetsa kuti mfundo zanu za Infonavit zikuwonetsa bwino zomwe mwapereka komanso zopindulitsa zomwe mwapeza. Kuphatikiza apo, kuyang'ana malo anu a Infonavit pa intaneti kumakupatsani mwachangu komanso mosavuta Kuti mudziwe zambiri za akaunti yanu, popanda kufunikira koyendera nthambi yeniyeni. Tsatirani⁤ izi ndi⁤ kukhala ⁢kudziwitsidwa za maubwino anu ndi njira zangongole ndi Infonavit.

4. Kodi mungatanthauzire bwanji zambiri pa mfundo zanu za Infonavit?

Musanayambe, muyenera kumvetsetsa kuti kutanthauzira kwa mfundo zanu za Infonavit Ndikofunikira ⁤ popanga zisankho zofunika pazachuma Ndikofunikira kudziwa kuwerengera ndikumvetsetsa mfundo zanu molondola. Apa tikuwonetsani atatu masitepe ofunikira Kuti muchite izi:

1. Lowetsani tsamba la Infonavit: Pezani tsamba lovomerezeka la Infonavit ndikupita ku gawo la "Akaunti Yanga". Lowani ndi nambala yanu yachitetezo cha anthu komanso mawu achinsinsi. Ngati mulibe akaunti, muyenera kupanga imodzi mukalowa, yendani mpaka mutapeza njira yomwe ikuwonetsa mfundo zanu kapena zomwe mwapeza.
2. Kumvetsetsa⁤ zigoli: ⁤Mukapeza gawo la mapointi anu, mudzatha kuwona magulu osiyanasiyana omwe amakhudza⁢ zomaliza zanu. Zina mwa maguluwa zingaphatikizepo mbiri ya ngongole, ndalama zanu zangongole, zolipira pa nthawi yake, ndi zaka. Dzidziweni nokha ndi aliyense wa iwo kuti mumvetsetse momwe mfundo zanu zimawerengedwera komanso momwe mungawongolere.
3. Pezani malangizo: Ngati kutanthauzira kwa mfundo zanu za Infonavit kukusokonezabe, musazengereze kufunsa upangiri wa akatswiri. Infonavit ili ndi akatswiri omwe angakuthandizeni kumvetsetsa mfundo zanu mwatsatanetsatane ndikukupatsani upangiri waumwini kuti muwongolere ngongole zanu. Adzatha kufotokozera mafunso aliwonse kapena nkhawa zomwe zingabuke panthawiyi.

Kumbukirani zimenezo kumvetsetsa zambiri za mfundo zanu za Infonavit Ndikofunikira kupanga zisankho zoyenera pazachuma. Kutsatira malangizo awa, mudzatha kutanthauzira molondola mfundo zanu ndikumvetsetsa bwino za ngongole yanu. Osazengereza kugwiritsa ntchito chida ichi ndikuchigwiritsa ntchito kuti mukwaniritse zolinga zanu ndi maloto anu!

5.⁤ Malingaliro owonjezera mapointi anu a Infonavit

Kwa onjezani mfundo zanu za Infonavit Kuti mupeze ngongole zabwino zanyumba ndi zopindulitsa, ndikofunikira kutsatira malingaliro ena. Choyamba, fufuzani mosalekeza akaunti yanu patsamba lovomerezeka la Infonavit. Mwanjira iyi mudzatha kudziwa mfundo zomwe mwasonkhanitsa, komanso zolakwika zilizonse kapena zosagwirizana zomwe zingakhudze mphambu yanu. Komanso, tizilumikizanabe ndi Infonavit kudzera mumayendedwe ake othandizira makasitomala kuti athetse mafunso kapena kusagwirizana kulikonse.

Lingaliro lina la onjezani mfundo zanu za Infonavit⁢ es perekani zopereka zaufulu. Zopereka izi zimakupatsani mwayi wowonjezera akaunti yanu ndipo chifukwa chake, onjezerani mfundo zanu. Mutha kupanga zopereka zapadera mukakhala ndi mwayi, monga mutalandira phindu lina lazachuma, kapena pafupipafupi kudzera mu Infonavit Voluntary Savings Programme. Kumbukirani kuti ⁢chilichonse ⁢chothandizira ⁢chikhoza kuonjezera mphambu yanu komanso phindu lanu lamtsogolo.

Kuphatikiza apo, ndikofunikira kuti kulitsa chidziwitso chanu za ziwembu ndi mapulogalamu osiyanasiyana operekedwa ndi Infonavit. Kudziwa zosankha zangongole ndi mapindu omwe mungapeze kudzakuthandizani kupanga zosankha mwanzeru ndikupindula kwambiri ndi mfundo zanu. Komanso, gwiritsani ntchito ngongole yanu moyenera. Pewani ngongole zochulukirapo ndipo onetsetsani kuti mukulipira nthawi yake kuti mukhale ndi mbiri yabwino yangongole yomwe imakhudzanso mfundo zanu za Infonavit.

6. Ubwino wokhala ndi zigoli zambiri za Infonavit

Kupambana kwa Infonavit ndichinthu chofunikira kwambiri munjira yopezera ngongole yanyumba ku Mexico. Kukhala ndi zigoli zambiri kungakupatseni maubwino osiyanasiyana komanso mwayi wazachuma. M'nkhaniyi, tikufotokozerani zabwino zomwe mungakhale nazo mu Infonavit komanso momwe mungakulitsire.

Chimodzi mwazabwino zazikulu Ubwino wokhala ndi chiwongola dzanja chachikulu cha Infonavit ndikuti mutha kupeza mwayi wabwinoko wangongole komanso chiwongola dzanja chambiri. Pokhala ndi ziwerengero zambiri, mabanki ndi mabungwe ena azachuma adzakuwonani ngati kasitomala wodalirika, yemwe ali pachiwopsezo chochepa, zomwe zimakupatsani mwayi wopeza mikhalidwe yabwino mukafunsira ngongole yanyumba kapena mtundu wina uliwonse wangongole.

Ubwino wina wofunikira Kukhala ndi mavoti apamwamba a Infonavit kumatanthauza kuti mudzakhala ndi zosankha zambiri zoti musankhe nyumba yomwe ikugwirizana ndi zosowa zanu. Pokhala ndi zigoli zambiri, mudzatha kupeza ngongole zambiri, zomwe zimakupatsani mwayi woganizira zosankha zambiri malinga ndi mtengo, kukula ndi malo. Izi zimakupatsani kusinthasintha kwakukulu ndikukuthandizani kupeza nyumba yamaloto anu.

7. Momwe mungakonzere kusiyana mu⁤ mfundo zanu za Infonavit

1. Onani momwe akaunti ilili
Kuti mukonze kusiyana kulikonse pamagawo anu a Infonavit, chinthu choyamba muyenera kuchita ndikutsimikizira momwe akaunti yanu ya Infonavit ilili. Mutha kuchita izi kudzera patsamba lovomerezeka kapena kugwiritsa ntchito pulogalamu yam'manja ya Infonavit. Lowetsani zambiri za ogwiritsa ntchito ndikuwunikanso mosamala zomwe zaperekedwa ⁤ mu akaunti yanu. Onetsetsani kuti chidziwitso chanu chaumwini ndi ntchito ndi cholondola, komanso kuchuluka kwa mfundo zanu. Ngati mupeza kusagwirizana kulikonse muzambiri, Ndikofunikira kuti munene nthawi yomweyo ku Infonavit para iniciar el proceso de corrección.

2. Unikaninso za SAR (Savings System for Retirement)
Njira ina yokonzera kusagwirizana kwa mfundo zanu za Infonavit ndikuwunikanso akaunti yanu ya SAR (Retirement Savings System). Infonavit imaganizira mfundo zonse zomwe zasonkhanitsidwa ku Infonavit ndi zopereka ku SAR kuti muwerengere mfundo zanu zonse. Chifukwa chake, Ndikofunikira kuti mutsimikizire kuti zopereka ku SAR zikujambulidwa molondola.. Ngati mupeza kusiyana kulikonse pazopereka kapena ngati sizikulembedwa, muyenera kulumikizana ndi woyang'anira thumba lanu losungiramo ntchito ndikupempha kuwongolera kofanana.

3. Lumikizanani ndi Infonavit
Ngati mutatha kutsimikizira akaunti yanu ndikuwunikanso SAR mukupezabe zosemphana m'malo anu a Infonavit, njira yomaliza ndikulumikizana mwachindunji ndi Infonavit. Mutha kuyimba foni yawo yothandizira makasitomala kapena tumizani imelo ndi zonse za kusagwirizanaku. Polankhulana, muyenera kupereka nambala yanu chitetezo chamtundu, dzina lathunthu ndi chidziwitso⁤ china chilichonse chomwe chingakuthandizeni kuzindikira vuto lanu. Infonavit ikupatsirani malangizo ofunikira kuti muwongolere kusagwirizanaku, ngakhale mukuyenera kupereka zikalata zowonjezera kapena kupita ku ofesi kumodzi mwamaofesi ake.

8. Kufunika koyang'anira nthawi zonse malo anu a Infonavit

El kuwunika kosalekeza kwa mfundo zanu za Infonavit Ndikofunikira ⁤kutengerapo mwayi pazabwino zomwe dongosololi limapereka kwa ogwira ntchito. Kusunga bwino mfundo zanu kudzakuthandizani kumveketsa bwino zosankha zanu zangongole ndikudziwa ndalama zenizeni zomwe mungapeze kuti mugule nyumba.

Chimodzi mwa zifukwa zazikulu⁢ chifukwa muyenera kudziwa mfundo zanu za Infonavit Ndiko kuwunika mwayi wanu wopeza ngongole yanyumba. Ma Infonavit Points amaperekedwa kutengera zomwe mwapereka ku Housing Fund ndi zomwe munalipira ngongole zanu zam'nyumba zam'mbuyomu. Mfundozi zidzatsimikizira kuchuluka kwa ngongole yomwe muli nayo, kotero kusunga kuyang'anitsitsa nthawi zonse kudzakuthandizani kudziwa ngati mwatsala pang'ono kukwaniritsa zofunikira kuti mupeze ngongole.

Kuwonjezera pa kupeza ngongole, sungani nthawi zonse mfundo zanu za Infonavit Zidzakuthandizani kukhala ndi chithunzithunzi chomveka bwino cha zosankha zowonjezera kapena kukulitsa nyumba yanu. Pamene mukusonkhanitsa mfundo, mudzatha kuona ngati ili nthawi yoyenera kukonza nyumba yanu kapena ngati n’kotheka kuikulitsa kuti igwirizane ndi zosowa zomwe banja lanu likukula. Kudziwa mfundo zanu za Infonavit kukupatsani chitsimikizo chopanga zisankho mwanzeru ndikugwiritsa ntchito bwino mapindu omwe pulogalamuyi ikupatsani.

9. ⁢Mmene mungagwiritsire ntchito mfundo zanu za Infonavit kuti ⁤ mupeze nyumba?

Kugwiritsa ntchito mfundo zanu za Infonavit kugula nyumba ndi njira yosavuta komanso yopindulitsa kwa ogwira ntchito ku Mexico. Infonavit ndi bungwe lomwe limapereka ngongole zanyumba kwa ogwira nawo ntchito, pogwiritsa ntchito zigoli zotchedwa "Infonavit points." Mfundozi zimawunjikana pakapita nthawi ndipo zitha kugwiritsidwa ntchito kugula nyumba kapena nyumba. Kenako, tikufotokozerani momwe mungagwiritsire ntchito mapointi anu aInfonavit kugula nyumba.

Gawo loyamba ndi onani mfundo zanu za Infonavit. Mutha kuchita izi patsamba lovomerezeka la Infonavit, polowa muakaunti yanu ndi nambala yanu ya akaunti. chitetezo chamtundu ndi password. Mukalowa muakaunti yanu, mudzatha kuwona kuchuluka kwa mfundo zomwe mwapeza. Izi ndizofunikira chifukwa kuchuluka kwa mfundo kumatsimikizira kuchuluka kwa ngongole yanyumba yomwe mungapeze.

Mukangodziwa kuchuluka kwa mfundo zanu, mukhoza kuyamba kufunafuna nyumba zomwe zimagwirizana ndi zosowa zanu ndi bajeti yanu. Mutha kugwiritsa ntchito malo ochezera a pa intaneti kapena kupita ku bungwe lazachuma kuti mukalandire malangizo. Kumbukirani kuti kuchuluka kwangongole komwe mungapeze kudzadalira kwanu Mfundo za Infonavit, kotero ndikofunika kulingalira izi posankha katundu.

10. Njira zowonjezera kugwiritsa ntchito mfundo zanu za Infonavit

Pali njira zosiyanasiyana zomwe mungagwiritse ntchito kuti muwonjezere kugwiritsa ntchito mfundo zanu za Infonavit ndikupeza phindu lalikulu kwambiri. Choyamba, onetsetsani kuti mukudziwa chiwerengero cha mfundo zomwe muli nazo. Mutha kuyang'ana ndalama zanu kudzera pa Infonavit portal kapena kuwayimbira foni. Mutadziwa kuchuluka kwa mfundo zanu, mukhoza kuyamba kukonzekera mmene mungagwiritsire ntchito bwino kwambiri.

A estrategia útil ndikugwiritsa ntchito mfundo zanu ⁢kuchepetsa ndalama zomwe mwatsala nazo ⁤ngongole yanu yanyumba. Izi zikuthandizani perekani chiwongola dzanja chochepa nthawi yonse ya ngongole, zomwe zidzakuthandizani sungani ndalama nthawi yayitali. Komanso, mungagwiritse ntchito mfundo zanu amortize ngongole yanu, zomwe zingakuthandizeni kuchepetsa nthawi yolipira ⁢ndikumaliza ngongole yanu posachedwa kuposa momwe mumayembekezera. Izi sizidzangokupatsani mtendere wochuluka wa zachuma, komanso zidzakupulumutsirani ndalama zowonjezera chiwongoladzanja.

Njira ina yanzeru ndi perekani mfundo zanu pakukonza nyumba yanu. Infonavit imapereka njira zingapo zowongolerera, monga kukhazikitsa ma solar, kumanga zowonjezera kunyumba kwanu, kapena kugula zida zogwiritsa ntchito mphamvu zamagetsi sizingowonjezera mtengo wa katundu wanu, komanso zidzakupulumutsani ndalama pakapita nthawi pochepetsa mtengo wamagetsi anu. Kumbukirani kuti, poika ndalama zanu pokonza nyumba yanu, mudzakhala mukuwongolera moyo wanu ndikuonetsetsa kuti muli ndi chuma cholimba kwa inu ndi banja lanu.