Tholakele Mrubata studied at The University of the Western Cape (UWC) and graduated with an LLB degree in 2018 and is currently working towards being admitted as an Attorney, Notary Public and Conveyancer. Tholakele strength lies in Litigation and she has an interest in Conveyancing and Litigation. She is currently improving and developing her skills in the Litigation Department at STBB in Claremont, where she is learning important lessons pertaining to the law, time management, client relations, drafting skills, attorneys accounting and teamwork. She is eager and determined to use the skills gained in litigation in championing her way higher in the legal fraternity. Tholakele is vibrant, giving, hardworking and dedicated, not only does she encompass this in her legal career, but she also encompasses this in her personal life too. She has always had a key interest in helping those in need and has been involved in charitable organizations throughout High School and University and she regularly assists children in her community if and when they are in need of school supplies. One of the highlights of her organizational work is being appointed as a Committee member of the Students for Law and Social Justice, She was chosen to be part of the African Charter of the International Association of Women Judges where she completed 30 hours shadowing Magistrates in Cape Town and also took part in a number of charitable activities organized by the organization. She is also part of the executive committee of ‘Being a Man’, an organization that is working towards educating young boys about inappropriate behavior that contributes to Rape culture in a country such as South Africa dealing with a rape crises. She enjoys having a balanced life and partakes in social activities and has recently taken an interest in running and fitness.

Thought of the week | Ukukhetha umhlala phantsi phakathi kokufumana iyunithi yecandelo okanye ilungelo lobomi

Ukulungiselela ukuya kwiskimu somhlalaphantsi akukho lula njengokuthengisa ikhaya lakho, ukupakisha iibhokisi kunye nokuhamba ungene kwindawo entsha. Kule mihla kukho iindlela ezahlukeneyo zokuthenga ezifumanekayo, eyona nto iphambili yeyokuba ngumnini wetayitile yobunini kunye namalungelo obomi. Ukukhetha enye okanye enye kuya kufuneka kube sisigqibo esineenkcukacha njengoko ezi zinto zingumthetho ohlukileyo.

Ukuba inkqubo yokuthatha umhlala phantsi inika ithuba lokuthenga iitayitile zecandelo kwisikimu, umthengi ophinda ayifumane iya kuba ngumniniyo ngokomthetho. Oku kuza nenzuzo umniningokomthetho unikezwe intetho kulawulo lweskimu. Ikulungele kwakhona njengethuba elide lotyalo mali elihlala lihambelana nokwehla kwamandla emali kwaye elivumela ukukhula kwemali. Ukuthenga icandela lwetayitile yecandelo kunokubaneendleko, kodwa ikwanenzuzo yokuba yimali yexabiso enokusetyenziswa njengoko unqwenelela.
Ukuthenga ilungelo lobomi kwahluke ngokupheleleyo-kwaye ngumxholo uninzi lwabemi boMzantsi Afrika abangawuqondi ngokupheleleyo. Kwenziwa, isivumelwano sisoloko sibandakanya oku kulandelayo(kodwa zininzi izinto ezahlukeneyo):

  • Umthengisi (nokuba ngumvelisi okanye ungumnini weyunithi kwisikimu) unika umthengi ilungelo lokuhlala kwindawo yokuhlala ixesha lonke lokuphila komthengi, kunye namalungelo okusebenzisa nokonwabela amaziko eendawo zokuhlala kwiskimu; kwaye
  • Ixabiso elahlawulelwa ngumthengi lihlala (kodwa alisoloko) liyimboleko-engahlawulelwayo.

Umzekelo: Yenza ngathi ixabiso lokuthenga yi-1 yezigidi: Isivumelwano sizakuchaza ukuba umthengi uhlawula imali kumthengisi onokuthi ayisebenzisi njengoko yena (mthengisi) ecinga ngcono, kodwa ngokuvuma ukuba imali mboleko, ekupheleni kwesivumelwano ( xa umthengi edlula emhlabeni okanye esiphelisa isivumelwano), kuya kuhlawulwa ngokupheleleyo okanye ngenxalenye kumthengi okanye kwilifa lakhe, njengoko kufanelekile. Okanye, kungavunyelwana ukuba i-80% okanye i-90% zexabiso lemalimboleko engummiselo iya kubuyiselwa kumthengi emva kokupheliswa. Enye indlela kukuvuma ukuba isixa semali ekufuneka ihlawulwe kumthengi iya kubalwa njengesixa semali mboleko kuthatyathwe iindleko zenyanga (mhlawumbi i-R1000) kwinyanga nganye ethenga umthengi kuyo.

Ukufunyanwa kwamalungelo obomi maxa wambi kubiza ngcono kunokuthenga iyunithi yetayitile yecandelo kwaye akubandakanywa iindleko zokudlulisa kunye nokudlulisela, iindleko ezo zinokuthi zihlawulwe xa kufunyanwa icandelo lesitayitile yeyunithi. Kubalulekile ukuba uqhaphele ukuba ukhetho lobomi ayilulo utyalomali kumhlaba esisisigxina kwaye ngenxa yoko ayisiyi-mpahla(asset) ekhula ngexabiso.

Xa ujonga kuqikelelo lomhlala-phantsi kungcono ukubonisana negqwetha malunga nokuba yeyiphi eyona ndlela ilungele indlela yakho yokuohila kunye nezicwangciso zomhlalaphantsi.