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!

10 comments:

  1. Tha hle mai reuh a...Mizo te mamawh chiu tak a ni.Saving hi a pawimawh.Chutiang bokin insurance lam te hi kan tih a tha khop mai.Kan naupan lai chuan kum 5 ah hian Post Office ah pawisa dah ila,kum 5 hnu ah a a let in a pung tih ka pa in min hrilh thin.Khang te kha tunlai hian ti leh tawh se ka ti ngawt mai.

    PLI hi a tha ka ti khawp mai.LIC ah policy ka lei ve a,ULIP chi khat.Sum Assured zat kha ka lak tur emaw ka ti vel a,ka thih palh thuta ka lak tur ni zawk in min hrilh fiah ta a.

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  2. Ziak peih na fam chuan thil tha deuh hi ziak leh nawlh mai thin che a. Nie, tuna ka awmna hi thliarkarah pawh hmar tawp ania, ka awmna khua hi town pawh a nilo, mahse vaiho saving uar zia chu bank pahnih pathum a awm bakah SBI ATM te awm vel. Kan ram hi en ta ila, zawlkhawpui nilo hmundangah khian ATM centre awmna awmve tawh emle.

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  3. Keipawh harsa deuhva ka thawhchhuah kha Sunday tlai tin Gokuls ah Navy sipai patereuhte hian min ei (in) zawh sak vek zel mawle...

    :-P

    Tun Sunday chu ka rawn Inkhawm lovang auh, Daman ah weekend hmang dawns :)

    Chuan i ziah ang chi quotation tha tawk ka hre chhuak hlawl mai.

    "At the end of the money, I always have some months left!"

    lolz... a ang ve lutuk a sin!!!

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  4. ha ha ha.... kan va inang ciang ve...

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  5. Pawisa hi kan ah tam leh kan hmang tam a, kan ah tlem leh kan hmang tlem ni mai in ka hria.
    Tlangval lai hi chuan in ren a har. Hmeichhia hi an in ren thiam fu a chuvangin nupui neih keuh hian inren a awl deuh ang a :))

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  6. An tia lawm, pawisa hi chu Sephung hum ang deuh ania, chhuah tum hian kaw tin hi a kher neuh neuh reng a, a put chhuak leh nge nge thin... Kei chu LIC tih vel policy hi ka la duh lo reng reng,

    "Dam laia inren reng renga awm a, thih hnu-a hausak thutna" an ti... :)

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  7. @bugerstud2005: Thihpalh hlau reng reng a dam ni na nana a, thih palh thua tih a sum khawlhi ka duh vak lo a, kawng dang ka dap vel a lawm maw le..!!! ha ha

    @Ashore Buddy: E.. thianpa i rualawhna ka hre thiam e.

    Zawlkhawpui lo hmun dangah ATM a awm te chuan thingtlang pa khan Fairel bel a sum dahthat kha Bank-ah a dah anga, thlatin a la chhuak zo ziah ang a. Vai ho an hlawk lutuk ang!!! he he

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  9. @illusionaire: Kei chu Mumbai ka lo kir leh tawh! Daman chu nuam bawk maw?

    Kam chhe tleuh nana in hman chu chi loh ang!!!

    "At the end of the money, I always have some months left!"
    Nalh ka ti bawn tawps!

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  10. @lalmuanzuala: tnax... bro! lol

    @siama:I theory hi dik mai thei! Mah se neih keuh tur hi tunlaiah anvang duh lutuk Pu Sandmana'n a tia lawm!

    @Varte: I lo len luh vangin ka lo lawm phawt teh ang! Nia, thih hnua hausak thut chu ka duh bik miah lo nia! ha ha

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