Jan 29, 2009

Tunge ka sum eiru?

(Ka inngaihtuah lungpuam thuta, “Khawnge ka pawisa thawhchhuah ve te kha?”. A tam emaw a tlem emaw kum 8 chhunga ka thawh chhuah ve te kha khawnge a awm zawh tak? Tunge min eiruk sak?
Thla tawp dawnah Bank balance han check ila, digit hnih hnuai lam alo ni a. Assets leh liabilities awm zia hre lo mah i la , “Enge ka tih le?” ti a mahni inzawh a awl khawp mai. Sum lu tih tur reng reng ka nei lo nia.
LIC leh PLI ah policy ka lei ve a. Group insurance subscription leh a tlem thei ang ber (compulsory subscription) Provident Fund-a ka dah ve tih mai loh chu engmah, engmah tak tak ka nei lo thei nia!)
SENT SOME, SAVED SOME!
“Engtiang chiahin nge thlakhat sum hi i hman?” emaw, “Enge retirement plan?” tih zawhna ka dawn chang apianga ka chhanna ‘ever ready’ chu ‘sent some, saved some’ tih hi a ni awlsam et reng mai a.
Nia! Bachelor nih manah chhungte chu ka thawn ve thin bawk a. Mahse a bangte kha khawiah nge? SENT SOME chu a zo fel mai a. SAVED SOME part nen khian han belh khawm ta i la, 50% a tling thei lo reng reng. Phar sawm tih dam ang mai a, a bangte chu khawnge an awm tak? tih mai a awl khawp.
Zu ka in loa, Pub leh discotheque ah ka kal ngai hek loa. Nawmsip ka bawl ka hre hek lo a. Thawmhnaw hakthlak khat aia tam ka neih ka hre ngai hek lo a. Mah se thla a lo tawp hian Bank balance hi NIL a ni hman deuh ziah tho nia!
MONEY MATTERS
Mizote zingah hian ADVISOR hi kan tam a. Damdawi lam a ni emaw, zirna lam ani emaw, hmangaihna lam a ni emaw, dawn sen loh thurawn petu hi kan awm ziah thin ani a.
Amaherawhchu, sum lam alo nih hian kan thurawn hmuh theih chhun chu, “Sum ngainat chu sual tinreng bul ani” tih leh”Sum tello chuan hmangaihna tih vel pawh hi a awm thei lo, Pathian thuawih reng phei chu har tak a ni” ti te hi a ni mai awm e.
Thudik ni ve ve si, inkalh tlat an ni lawi si a. Tin, a hun leh hmun a zir a chhanna diksa tanpui vartu hnai reng an ni bawk!
PLAY IT SAFE
A chunga thurawnte khi en ran chungin sum ngainat loh ka zir a. Sum ngainat loh ka thiam dawn veleh sum tello a ke pen harsat zia in min rawn tlak buak a. Ka thla tin hlawh tih pun ngaihna ka hre si lo. Mite sum chalai vel dan ka thlir ka thllir ta mai a.
Bank savings mai duhtawk loin company dang dai tak tak sum ah tam tak pung thut tur umin sum an dah a. A vannei pawlin kar loah a an sum dah let fe an hmu chhuak reng bawk a. Shree Shoppings, Sagacious, SMS Media etc etc tih ang reng vel te kha! Downline/ Chain system an tia, a inbum theih theih an inbum a. A tawpa chan pawlin uplink ho an mawh chhiat a. Khatiang company tho kha a lo chhuak leh a, an dah ve leh mai bawk a. An rin lawk ang ngeiin thla 6 a lo ral chuan an tlan bosan leh ta thin a. A chang chuan nuih a za thin.
A inti fing pawlin stock market an luh chilh a, a thenin mutual fund an ti! Hrethiam ve chiah lo mah i la mi ti ti leng vel ka lo ngaithla ve kur a. Risk a ken tel avangin ka la tel ve ngam lo cheu a. A zir peih leh taima te chuan an hlawk pui a, a then te erawh chu vawikhat hlawk hluai kha an zawng chhang a, an chan leh teuh thin.
Amaherawhchu, ti teh ang, hetiang a sum khawl mite hian kei ai chuan an nei vek nia. A then an hlawk pui viau a, a hlawkpui lo deuh te pawh khan kei a thla tin lo thlir a eiral ziah ai chuan an nei tlat! Tlem a zawng an lo khawl far nia!
PLAY THE GAME
Rich Dad, Poor Dad- Robert T Kiyosaki's and Sharon L Lechter lehkhabu ka chhiar khan ka rilruah sum ngaihtuahna a rawn tuh a. Stock Market Guide te ka lei ve a, thiante eng eng company emaw a share holders te puihna a zarah a then a zar bakah business jargon mak pui pui chu ka man thiam ve ta thuai a.
Stock Market leh Stock Exchange functions te, SEBI in a regulate dan te chu lehkhabu atang chuan ka hrethiam ve mai a. Company Annual Report endan ka han zir a, Balance sheet leh Profit and loss account endan te, funds and loans, gross block and depreciation tih vel te leh Director’s Report pawimawhzia te pawh ka man ve riai ruai a.
Eng Share nge tha ta ber ang? Fundamental Analysis leh Technical Analysis ka han zir thleng a. Risk Factors leh Returns ka han keu a. Shares mai piah lam a Futures leh Options ka thlen meuh chuan thla khat alo liam a. Ka hriat chian tawh loh dan chu chiang tak ani. Sumdawng tlak hi ka awm tawh lo reng reng.
FINAL DECISION
Kha chen ka ngaihtuah hnu ah pawh rilru ka la siam fel hlei thei der lo nia. Sum ka ngaihtuah a piangin hnuk a ti ulh ziah thin. Mizote zingah lehkha thiam tam tak te hian thu leh ziak in sum leh pai hi min han hrilh fiah teh un! Kan zirna leh thiamna te hian MNC leh eng eng Corp. a manager lian thawhna chauh ni lo a, social service ang a ngaiin thingtlang kil khawr ber thleng turin ziak leh hril in min han hrilh hre teh u! Helam guidance hi nei tha ni ila chuan 'CHIAHPUAM BORUAK' khan khati khawp khan Mizoram a chawkbuaiin ka ring lo!

Jan 16, 2009

Kum tharah Krista nen!

Kum 2009 a lo in her chuak ruai ruai a, Mahni khawlam atangin hnathawhna hmun lam pan a lo ngai a, D' nei miah lo pawh khan thenawmte zawhte ngiau ri tal in in lam ngaih a ti na ve thei tlat nia!.

Kum a thara, thlawhna in kan thlawk thla ve duai duai a, zin chhung rei lo mah se in lam ngaihtuah hman lek lo a min thlen thlak pui kha chu duh aiin chak ka ti deuh mah mah ani! Ti chuan Mizoram Synod Calendar a Misionary Day a lo thlen meuh chuan thlakhat hmalam lawk a an inkah buai nuaih nuaih na, News headlines tun thlenga la luah phah reng na hmun Mumbai ah kan chuang chhuak leh ta hlawl mai a. A va han nuam dangdai thin tak em! Tlangval a pumpa in a, "Ka nu ka ngai" han tih kha a chi tawh chiah mang bawk si lo a. A rukin ka pianna Zoram nuam ka ngai ve veng veng nia!

Tichuan ni khat em pawh cham ta lo chuan mahni hnalamah tiin tuifinriat lamah kan pil bo lehnghal a. Champhai lamah kan BSNL Broadband ve kha a chhe rei bawk sia, blog pawh update hman lek lo in hei kumthara FIRST UPDATE thla chanve hnuah kan thei tawk chauh a ni a. Engtikah tak regu thei ve ang i maw? Kan pachhe kumtiam ang tih pawh ka hlau hlel lo e.

Kumtharah chuan Krista nen! han tih rup mai chu...... Nia, kum kalta te chu a lo ral ta a. Pathian thu awih har ka tihna ber SAWISEL suh sawisela i awm loh nan tih hi niin ka hria! Amaherawh chu min fakpawrhtu zinga pakhatin thudik sawi hi sawisel ni loin faksel kan ti a ti miau a. Fak sel kan chhunzawm turah ngai i la.

Kum tharah chuan Krista hi han ring leh bur phawt mai i la. A ni chuan kan rinna te min tih puitlin sak leh ang a. Zoram lama kan sawrkar thar pawhin Pathian nung chauh beh chhan loin an hnathawhna ah Krista nen ti zel thei se la. Development hi a zuan in a zuang awrh awrh mai turah ka ngai.

Tin, kan awmna lamah ve thung chuan Krista hmangaihna hian min han tuam vel in a dum a var, a meng zim a meng pawng leh hmul lo leh hmul chhupte hian Krista nen han ti thup thei i la chuan Bomb puah kan hlau tawh lo anga, pawisawilo te tawrhna a liam ngei ang!

Middle East buaina leh Obama sawrkar thar te pawh hian kum puanah Krista nen tih han nei mai se la chuan...... kan khawvel hian global warming, green house effect, polar ice caps, forest depletion, oil reserves etc etc te kan hlau leh tawh ngai lo ang a. Hlauhna aiah remna, lungngaihna aiah lawmna, Fakna hlate a dai leh tawh ngai lo ang!

A tawp berah chuan unau duhtak, nang leh kei chuan kumtharah chuan Krista nen ti dun zel ang aw!!!