kucacile ukuba kwimakethi yase--hispanic, isoftware yasimahla inomgangatho owamkelekileyo wokwamkelwa kunye nokwabiwa. jonga ukuba kwimeko ye--anglo--saxon ukusasazwa kwesoftware esetyenzisiweyo yile: “ukristu yesu weza ehlabathini ukuze asindise aboni. ndingobalaseleyo kubo.”—1 timoti 1:15 out the bond to buy a house or get a loan to buy a car, or because they see the sense in insuring an expensive asset. many employers offer medical aid or a hospital plan as part of a salary package. but what about life’s more common upsets, such as when an essential appliance such as a freezer or oven stops working, a car breaks down or a toilet gets blocked? kappers says research shows that very few people have enough saved to deal with this sort of problem, which can be very disruptive, although easier to manage if you have an emergency fund. “having money set aside makes it easier and less stressful to deal with unforeseen problems and means you aren’t forced into decisions you may later regret.”