Vishal's Financial Planning by Apnapaisa

8/13/2019 Vishal's Financial Planning by Apnapaisa

1/22

Prfvhtm & Ncgefbmgtfha

Pmrscgha Efghgnfha Pahg

Prmphrmb ecr?

Ufslha Zhgh

Prmphrmb jy?

Lhrsl ZccgdthNMC


2/22

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Mkhfa? [email protected] Phdm 8 ce ::Pl.? 0::-558> 8666

8=tl

Hprfa :08>Bmhr Kr. Ufslha,

Tm wcuab afim tc tlhgi ycu ecr nlccsfgd cur efghgnfha pahggfgd smrvfnms.

Rlm mgnacsmb pahg ecrkhafzms cur rmnmgt bfsnussfcgs cg tlm fgvmstkmgt ce ycur hvhfahjam

nhpftha, haacnhtfcg ce surpaus nhsl eacws hgb rmhaacnhtfcg ce sckm ce ycur mxfstfgdpcrtecafc.

Cur cjomntfvm fs tc hnnurhtmay hssmss ycur efghgnfha gmmbs hgb tc prcvfbm quhaftyrmnckkmgbhtfcgs hgb cgdcfgd smrvfnms fg hnncrbhgnm wftl tlcsm gmmbs.

Rlm pahg fs jhsmb cg tlm fgecrkhtfcg prcvfbmb jy ycu cg ycur nurrmgt nfrnuksthgnms hgb

cjomntfvms. Pamhsm rmhb tlm pahg nhrmeuaay tc nlmni ecr hnnurhny ce tlm fgecrkhtfcgprcvfbmb.

Rlfs pahg fs hg fkpcrthgt bcnukmgt, fg hnncrbhgnm wftl tlm jmst sthgbhrbs ce tlmprcemssfcg. Lcwmvmr, ft gmmbs tc jm rmduahray rmvfmwmb hgb upbhtmb fg rmspcgsm tc

nlhgdms fg ycur cwg nfrnuksthgnms hgb ctlmr ehntcrs, sunl hs pmgsfcg rmduahtfcg, thxhtfcg

hgb khrimt kcvmkmgts.

Pamhsm emma ermm tc ncgthnt us fe ycu lhvm hgy qumrfms.

Tm acci ecrwhrb tc rmvfmwfgd hgb fkpamkmgtfgd tlmsm rmnckkmgbhtfcgs wftl ycu.

Vcurs sfgnmrmay,

Phgihho Khhabm, NEPNK

Lhrsl Zccgdth

LmhbEfghgnfha Pahggfgd N.M.C.


3/22

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Mkhfa? [email protected] Phdm : ce ::Pl.? 0::-558> 8666

Rlm khfg jcby ce tlfs rmpcrt lhs ycur pmrscgha bmthfas hgb ycur afem cjomntfvms hgbstrhtmdfms tc kmmt ycur cjomntfvms.

Ghkm Zmahtfcgslfp Hdm Lmhatl^thtus

Ufslha ^mae >8 Dccb

Pughk Tfem >> Dccb

^lhdug Bhudltmr 2 Dccb

Uhgsl ^cg 0 Dccb

Dchas hgb Cjomntfvms?

Mxmnutfvm ^ukkhry

Zmtfrmkmgt Pahggfgd? Vcu wcuab afim tc prcvfbm h ncrpus ecr ycur

rmtfrmkmgt ht tlm hdm ce 50 ymhrs. Vcu wcuab afim tc khfgthfg tlm shkm

sthgbhrb ce afvfgd, wlfnl ycu hrm afvfgd ht prmsmgt.

Nlfabrmg's Mbunhtfcg Pahggfgd?Vcu wcuab afim tc prcvfbm ecr tlm

lfdlmr mbunhtfcg mxpmgsms ecr ^lhdug hgb Uhgsl wlmg tlmy rmhnl tlm

hdm ce 8< ymhrs.

Khrrfhdm Pahggfgd ecr ^lhdug? Vcu wcuab afim tc prcvfbm ecr

^lhdugs khrrfhdm wlmg slm rmhnlms tlm hdm ce :2 ymhrs.

Lckm Purnlhsm? Vcu wcuab afim tc ncgstrunt h lcusm hetmr 80 ymhrs,

wlfnl wfaa ncst ycu Zs. :0 ahils tcbhy.


4/22


5/22

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Hssmts

Gmt Tcrtl ^thtmkmgt


6/22

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Mkhfa? [email protected] Phdm = ce ::Pl.? 0::-558> 8666

Hssmt Haacnhtfcg

8%

28%

4%

2%

Nurrmgt Hssmt HaacnhtfcgNhsl & Mqufvhamgts

Bmjt & Mqufvhamgts

Mqufty & Mqufvhamgts

Zmha Msthtm

Dcab & Ctlmr Kmthas

=%

:=%

40%

Zmnckkmgbmb Hssmt Haacnhtfcg

Nhsl & Mqufvhamgts

Bmjt & Mqufvhamgts

Mqufty & Mqufvhamgts

Mqufty hgb bmjt, jctl, lhvm hg fkpcrthgt rcam tc pahy fg ycur hssmt haacnhtfcg.Mqufty nhg prcvfbm supmrfcr fgeahtfcg hboustmb rmturgs cvmr tlm acgd tmrk hgbbmjt tc prctmnt ycur nhpftha wlfam drcwfgd.

Pmrscgha Umlfnam hgb Omwmary hrm gct trmhtmb hs ycur fgvmstkmgt hssmts.

Zmnckkmgbmb haacnhtfcg fs ecr euturm fgvmstkmgt.

Dcab Fgvmstkmgt wcris hs h lmbdm hdhfgst fgeahtfcg hgb prcvfbms shemty fg jhbmncgckfn hgb pcaftfnha ncgbftfcgs.

Zmha msthtm fgvmstkmgt prcvfbms ycu h efxmb fgnckm, pctmgtfha ecr nhpfthahpprmnfhtfcg hgb hasc lmaps fg bfvmrsfefnhtfcg ce ycur pcrtecafc. Lcwmvmr, ft fs

lfdlay nhpftha fgtmgsfvm hgb kcst faafqufb hssmt nahss.

Pamhsm rmvfmw hgb rmjhahgnm ycur fgvmstkmgt pcrtecafc pmrfcbfnhaay.


7/22

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Ncgtfgdmgny Eugb

Vcu slcuab immp hsfbm ht amhst 5 kcgtls mxpmgsms tc jm usmb cgay fgmkmrdmgnfms sunl hs ocj acss.

Vcur mxfstfgd EB wftl ^hlhrh fs haacnhtmb tc ncgtfgdmgny eugb. Tm hbvfsm ycutc prmkhturmay mgnhsl tlfs bmpcsft fkkmbfhtmay cr fe tlht fs gct pcssfjam tlmg

thim khxfkuk pcssfjam achg erck tlmk hdhfgst tlm bmpcsft fkkmbfhtmay tc

shemduhrb ycur fgtmrmst, Rlm kcgmy slcuab jm fgvmstmb fg kcgmy khrimt

kutuha eugb cr h jhgi efxmb bmpcsft.

Khfgthfg bfsnfpafgm. Bc gct usm mxnmpt fgnhsm ce mkmrdmgnfms

8,=5,000

:,00,000

22,000

Ncgtfgdmgny Eugbfgd Zmqufrmb Hvhfahjm Zmscurnms Mxnmss

Ncgtfgdmgny Eugbfgd


8/22

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Fgsurhgnm Gmmb Hghaysfs?

Accifgd ht ycur prmsmgt hdm, fgnckm, afem styam hgb afem dchas hgb hasc thifgd fgtc

ncgsfbmrhtfcg ycur hssmts hgb afhjfaftfms, ycur afem fgsurhgnm gmmb fs nhanuahtmb hs ugbmr?

Hghaysfs ce nurrmgt Pcafnfms hgb Zmnckkmgbhtfcgs?

Afem Fgsurhgnm

Rhifgd fgtc hnncugt vhrfcus ehntcrs afim prmsmgt surrmgbmr vhaum, khturfty vhaum hgbprmkfuks tc jm phfb tfaa khturfty wm hbvfsm ycu tc ncgtfgum Ommvhg ^hrha, Ommvhg

^urhjlf hgb Mgbcwkmgt Pahg hgb surrmgbmr jctl kcgmy jhni pahgs hs FZZ ce tlmsm

pahgs wfaa gct jmht fgeahtfcg.

^tcp Phyfgd Prmkfuk ecr FBJF ]AFP pahg sfgnm tlm rmturgs hrm pccr hs nckphrmb tctlm jmgnlkhri hgb surrmgbmr hetmr nckpamtfcg ce = ymhrs.

Vcur wfem fs h lckmkhimr hgb bcms gct rmqufrm afem fgsurhgnm.

Juy Hvfvh fafem hg cgafgm tmrk pahg ecr Zs. =0 ahils ecr h tmrk ce >0 ymhrs wlfnlwfaa ncst ycu hrcugb Zs. =,000 p.h.

Bfsnacsm haa ehnts wlfam juyfgd ermsl fgsurhgnm.

6=,00,000

2,00,000

28,00,000=0,00,000

Rctha Afem FgsurhgnmZmqufrmb

Prmsmgt Afem Fgsurhgnm(Hetmr Zmnckkmgbhtfcg)

Rctha Hssmts Fgsurhgnm Ncvmr Zmqufrmb

Fgsurhgnm Gmmb Hahaysfs

Hbmquhtm Afem fgsurhgnm fs h kust tc khim surm ycur ehkfays afem styam fs

gct heemntmb fe ycu bfm mhray.


9/22


10/22

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Hghaysfs ce Nurrmgt Fgvmstkmgt?

Bfrmnt Mqufty Fgvmstkmgt?

Kutuha Eugb Fgvmstkmgt?

^r. Gc. Ghkm ce ^nlmkm Nurrmgt

Uhaum

Zmnckkmgbhtfcg Haacnhtmb

Dcha8 B^P Jahnircni Rcp 800 =, FBEN ^tmrafgd Eugb >,8 Zmbmmk hgb ^lfet tcLBEN RCP :00,stcp

ermsl ^FP

Mbunhtfcgce ^lhdug

2 FBJF RCP 800 Eugb =4,==0 Zmbmmk hgb ^lfet tcLBEN RCP :00,stcp

ermsl ^FP

Mbunhtfcgce ^lhdug

= Icthi Dcab Eugb 8,6=> Ncgtfgum mxfstfgd

fgvmstkmgt jut stcp ermsl

^FP

Khrrfhdm ce

^lhdug

5 Zmafhgnm Dcab ^hvfgds 52, Ncgtfgum, sthrt ermsl ^FPce Zs. :00 p.k.

Khrrfhdm ce^lhdug

4 FBJF Dcab MRE =0,8:8 Ncgtfgum Khrrfhdm ce^lhdug

Fgvmstkmgt Pahggfgd

Bfrmnt fgvmstkmgt fg mqufty fs gct hbvfsmb, hs ftrmqufrms bmptl rmsmhrnl hgb hghaysfs. Fgvmst kcgmy

fg dccb kutuha eugb snlmkms.

^maa ycur mqufty fgvmstkmgts hgb rmfgvmst fgKutuha Eugb snlmkms hs rmnckkmgbmb.

Fgstmhb ce fgvmstfgd fg smntcrha cr tlmkhtfn eugbs, fgvmst fg wmaa-bfvmrsfefmb eugbs, wlfnlfgvmst fg stcnis ce khgy smntcrs, wlfnl dfvm dccb bfvmrsfefnhtfcg hnrcss smntcrs. Lmgnm,

wm rmnckkmgb swftnlfgd hs hjcvm. Tm suddmst ycu tc immp haa ycur Kutuha Eugb ugftsugbmr Drcwtl cptfcg hgb fg rmnckkmgbmb Kutuha Eugb Pcrtecafc.

Haa ycur mxfstfgd fgvmstkmgts lhvm jmmg haacnhtmb tcwhrbs ycur haa khocr dchas. Mquftysnlmkms ce kutuha eugb fgvmst hrcugb 60-800% fg slhrms ce afstmb nckphgfms hgb tlm

jhahgnm 0-80% fg lfdlay rhtmb bmjt fgstrukmgts.

Tm suddmst ycu tc lhvm h pmrfcbfnha rmvfmw prcnmss tc kcgftcr ycur pcrtecafc hgbrmjhahgnm ycur pcrtecafc hs pmr ycur hssmt haacnhtfcg.


11/22

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Vcu wcuab afim tc prcvfbm h ncrpus ecr ycur rmtfrmkmgt ht tlm hdm ce 50ymhrs. Vcu wcuabafim tc khfgthfg tlm shkm sthgbhrb ce afvfgd, wlfnl ycu hrm afvfgd ht prmsmgt.

Zmtfrmkmgt Pahggfgd

Vcur PPE jhahgnm hgb Eugb vhaum ce ]AFP fs haacnhtmb tc tlfs dcha. ]AFP eugb vhaumfs tc jm fgvmstmb fg mqufty eugb ce Kutuha eugb hetmr nckpamtfcg ce efvm ymhrs.

Rc jufab tlm slcrtehaa ycu gmmb tc sthrt kcgtlay fgvmstkmgt ce Zs. 88,000 tfaarmtfrmkmgt fg tlm mqufty kutuha eugb snlmkm hgb PPE fg tlm rhtfc ce 60% fg mqufty

hgb 80% fg PPE.

Vcu hrm hbvfsmb tc sthrt ermsl kcgtlay ^FP ce Zs. 5,000 fg Erhgiafg Fgbfh Jaumnlfp

Eugb hgb Zs. 2,000 fg FNFNF Prubmgtfha Bfsncvmry Eugb.

Hbvfsmb tc bmpcsft Zs. 8,000 pmr kcgtl (Hgguha Zs. 8:,000) fg ycur PPE hnncugt.

:,::,000 :0,5


12/22

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Vcu wcuab afim tc pahg ecr ycur bhudltmrs mbunhtfcg hgb wcuab afim tc prcvfbm Zs.80

ahils fg prmsmgt vhaum ecr tlfs dcha.

^lhdugs Mbunhtfcg Pahggfgd

Vcur mgbcwkmgt pahg hgb Ommvhg ^hrha pahgs khturfty fs haacnhtmb tc tlfs dcha.Ommvhg ^hrhas Khturfty gmmbs tc jm rmfgvmstmb hetmr khturfty ecr h pmrfcb ce > ymhrs

fg ncgsmrvhtfvm KFP eugb.

Tm strcgday jmafmvm tlht bfrmnt fgvmstkmgt tlrcudl stcni khrimts rmqufrms fg bmptlrmsmhrnl hgb hghaysfs hgb fgbfvfbuhaay ft fs gct pcssfjam ecr fgbfvfbuhas tc bmvctmtfkm ecr tlht. Rlmrmecrm, wm bc gct rmnckkmgb bfrmnt mqufty fgvmstkmgt. Tm hbvfsm

tc smaa haa tlm mqufty slhrms hgb fgvmst fg LBEN RCP :00 hgb FBEN Prmkfmr Mqufty

Eugb fg tlm rhtfc ce 40?>0.

Mxfstfgd mqufty kutuha eugb fgvmstkmgt fs hasc haacnhtmb tc tlfs dcha hgb hbvfsmb tcswftnl tlm eugbs hs sthtmb hjcvm. Rc jufab tlm jhahgnm ncrpus fgnrmhsm hkcugt ce

^FP fg B^P Jahni Zcni RCP 800 eugb erck Zs. 8,000 tc 8,=00 hgb stcp ctlmr ^FPs.

80,00,000

:6,00,000

Nurrmgt Uhaum Euturm Uhaum

Mbunhtfcg Pahggfgd


13/22

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Mkhfa? [email protected] Phdm 8: ce ::Pl.? 0::-558> 8666

Vcu wcuab afim tc pahg ecr ycur scgsmbunhtfcg hgb wcuab afim tc prcvfbm Zs. 80 ahils fg

prmsmgt vhaum ce tlfs dcha .

Uhgsls Mbunhtfcg Pahggfgd

Gc mxfstfgd hssmt fs haacnhtmb tc tlfs dcha.

Rc jufab tlm ncrpus ycu gmmb tc sthrt kcgtlay fgvmstkmgt ce Zs. =,000 fg tlm mquftykutuha eugb snlmkm hgb PPE fg tlm rhtfc ce 60 fg mqufty hgb 80% fg PPE.

Vcu hrm hbvfsmb tc sthrt ermsl kcgtlay ^FP ce Zs. 2,=00 fg Zmafhgnm Rhx ^hvmr Eugbtc dmt tlm thx jmgmeft u/s


14/22

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Mkhfa? [email protected] Phdm 8> ce ::Pl.? 0::-558> 8666

Vcu wcuab afim tc pahg ecr ycur bhudltmrs khrrfhdm ht tlm hdm ce :2 ymhrs hgb prcvfbm hsuk ce Zs. = ahils fg prmsmgt vhaum ecr tlfs dcha.

^lhdugs Khrrfhdm Pahggfgd

Vcur Dcab fgvmstkmgt fs haacnhtmb tc tlfs dcha. Rc jufab tlm slcrtehaa ycu gmmb tcsthrt kcgtlay fgvmstkmgt ce Zs. :,000 fg tlm rhtfc ce 60% fg mqufty kutuha eugbsnlmkm hgb 80% fg Dcab Eugb.

Vcu hrm hbvfsmb tc sthrt ermsl kcgtlay ^FP ce Zs. 8,,>0,000

Nurrmgt Uhaum Euturm Uhaum

Khrrfhdm Pahggfgd


15/22

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Vcu wcuab afim tc ncgstrunt h lcusm hetmr 80 ymhrs cg tlm pact ce ahgb wlfnl wfaa ncst ycuZs. :0 ahils tcbhy.

Nurrmgt Uhaum :0,00,000Drcwtl Zhtm 80%

Nurrmgt Hdm >8

Dcha rmqufrmb ht hdm 28

Euturm Uhaum =:,00,000

Ncgstruntfcg ce Lcusm

Vcur mxfstfgd pact ce ahgb hgb jhgi EB ce Zs. 8= ahils fs haacnhtmb tc tlfs dcha.

Vcu hrm hbvfsmb tc sthrt h kcgtlay ^FP ce Zs. :=,000 mhnl fg LBEN Jhahgnmb Eugbhgb Nhghrh Zcjmnc Jhahgnmb Eugb ecr h pmrfcb ce >0 kcgtls.

Jhahgnmb snlmkms ce kutuha eugb fgvmst hrcugb 40-0% fg lfdlay rhtmb bmjt fgstrukmgts.


16/22

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Mkhfa? [email protected] Phdm 8= ce ::Pl.? 0::-558> 8666

Msthtm Pahggfgd

Tm strcgday rmnckkmgb khifgd h Tfaa.


17/22

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Phrtfnuahrs Hkcugt Ncgtfgdmgny Mbunhtfcg Khrrfhdm ZmtfrmkmgtLckm

Ncgstrun

Nhsl fg lhgb* :0,000

^hvfgds Jhgi* :0,000

Zmnurrfgd Bmpcsfts* >,000

Efxmb Bmpcsfts 84,00,000 :,00,000 8=,00,000

PPE >,000 >,000

Dcab Fgvmstkmgt 8,84,000 8,84,000

Bfrmnt Mqufty :,80,000 :,80,000

Mqufty Crfmgtmb KutuhaEugbs 40,000 40,000

Fgsurhgnm Eugb Uhaum 68,000 68,000

Pact ce ahgb :0,00,000 :0,00,000

2:,>2, 000 :,00,000 :,=,00,000

* Gct haacnhtmb tc hgy dcha. ^tcp eurtlmr fgvmstkmgt fg rmnurrfgd bmpcsft.

Pahg Hssukptfcgs?

Pahg Hssukptfcgs

^mae ^pcusm

Zmtfrmkmgt Hdm 50. G.H.

Afem Mxpmnthgny


18/22

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Ncgtfgdmgny Pahggfgd?Afqufb Eugb/

^hvfgds nuk EBZs. 8.=5 ahils

Immp hsfbm ecr

mkmrdmgny

Afem Fgsurhgnm?

Hvfvh f-afem Zs. =0 ahils Juy H^HP

Lmhatl Fgsurhgnm?

Ehkfay Juy Hpcaac Kugfnl Mhsy Lmhatl^thgbhrb Zs. > ahils

Ehkfay Juy Hpcaac Kugfnl Cptfkh Paus Zs. = ahils

^mae Juy Hpcaac Pmrscgha Hnnfbmgt Zs. := ahils

^mae Juy Hvfvh Lmhatl ^mnurm Zs. := ahils

Ctlmr Dchas?

^r.

Gc.Dcha

Fgvmstkmgt

Hkt.(p.k.)Zmkhri/^uddmstfcg

8 Zmtfrmkmgt Zs. 5,000. Erhgiafg Jaumnlfp Eugb

Zs. 2,000 FNFNF Pru Bfsncvmry Eugb

Zs. 8,000 P.P.E.

: ^lhdugs Mbunhtfcg Zs. 8,=00 B^P Jahnircni RCP 800

> Uhgsls Mbunhtfcg Zs. 2,=00 Zmafhgnm Rhx ^hvmr Eugb

Zs. =00 P.P.E.

2 ^lhdugs Khrrfhdm Zs. 8,


19/22

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Mkhfa? [email protected] Phdm 8< ce ::Pl.? 0::-558> 8666

Jmecrm

Efghgnfha PahgHetmr

Efghgnfha PahgFgvmstkmgt / Fgsurhgnm

Prmkfuk phfbZs.60% p.h.)*Fgsurhgnm Khturfty Zs. >5 ahils Zs. 5 ahilsRctha Ncrpus Zs. 8.02 nrcrm Zs. :.=5 nrcrmHbbftfcgha Zmturg - Zs. 8.=: nrcrm

* Gcgm ce tlm rmturgs hrm duhrhgtmmb.Jmgmefts hrm ecr faaustrhtfcg purpcsm cgay. mm Bfsnahfkmr ecr bmthfas.

Jmgmefts ce Efghgnfha Pahggfgd


20/22

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8. Khim surm tlht tlm rmnckkmgbhtfcgs prcvfbmb tc ycu jy ycur efghgnfha pahggmrhrm mxmnutmb prcpmray hgb wftlcut hgy bmahys. Hasc ycu slcuab immp tlm pahggmr

pcstmb wftl hgy bmvmacpkmgts afim nlhgdm fg fgnckm, hgy khocr lmhatl fssums

wftlfg ehkfay tlht khy heemnt ycur efghgnfha pahggfgd.

:. ^ft bcwg cgnm mvmry ymhr tc rmvfmw hgb rmvfsft haa ycur dchas. Hasc rmprfcrftfzmtlmk fg nhsm gmmbmb.

>. Put hutckhtfn phykmgts (MN^) cg haa fgsurhgnm prmkfuk hgb ^FP. Prcvfbm ycurkcjfam gukjmr tc tlm fgsurhgnm nckphgfms hgb kutuha eugb lcusms. Rlmy smgb

rmkfgbmrs tc khfgthfg tlm rmqufrmb jhahgnm fg ycur hnncugt h emw bhys jmecrm tlmMN^ fs bum.

2. ^thrt kcvfgd ycur hssmts erck rfsiy hssmts afim mquftfms cr hatmrghtfvm fgvmstkmgts

tc bmjt fgstrukmgts systmkhtfnhaay wlmg ycur dcha fs hrcugb :-> ymhrs hwhy tlfswfaa mgsurm tlht fg nhsm tlm mqufty khrimts ehaas oust jmecrm ycur dchas hrm hrrfvfgd,

ycur ncrpus wcuab jm prctmntmb tc h vmry drmht mxtmgt.

=. Immp haa ycur fgsurhgnm hgb fgvmstkmgt bcnukmgts ht cgm pahnm hgb fgecrk ycurspcusm, phrmgts hgb ifbs hjcut tlm shkm fg nhsm ce hgy mkmrdmgny, tlmy nhg

trhnm tlmk mhsfay. Khgy h tfkms, wlmg h pmrscg dmts hbkfttmb, tlmg tlm ehkfaykmkjmrs lhvm gc naum hjcut tlm kmbfnahfk nhrb tlht gmmbs tc jm slcwg tc tlm

lcspftha.

5. Bcg't bmahy, fgvmstkmgts cr phykmgt ce ycur nrmbft nhrb jfaas/achg MKFs jctl ce

tlmk nhg heemnt ycur efghgnfha euturm jhbay3 Fe ycu bmahy fg sthrtfgd ycurfgvmstkmgts cg tfkm, tlmg ycu wfaa acsm tlm cppcrtugfty tc nrmhtm mgcudl ncrpusms

ecr ycur euturm dchas. Fg nhsm ycu bmahy fg khifgd phykmgts ecr ycur nrmbft nhrbjfaas hgb achg MKFs tlmg ycu wfaa ahgb up acwmrfgd ycur NFJFA sncrm hgb rfsi

ycur nlhgnms ce dmttfgd h achg fg euturm.

4. Dmt ycur NFJFA rmpcrt hgb dc tlrcudl ft tc nlmni fe tlmrm fs hgy ce tlm fgecrkhtfcgkmgtfcgmb tlmrm hrm gct trum. Fg nhsm hgy ce tlm fgecrkhtfcg kmgtfcgmb tlmrm hrm

gct ncrrmnt, ycu slcuab rmpcrt tlm shkm tc NFJFA hgb dmt tlm shkm rmntfefmb ht tlm

mhrafmst tc hvcfb hgy nckpafnhtfcgs fg euturm.


21/22

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Mkhfa? [email protected] Phdm :0 ce ::Pl.? 0::-558> 8666

Hgy efghgnfha pahg khbm jy us fs jhsmb cg fgecrkhtfcg bmthfamb jy tlm fgecrkhtfcg

prcvfbmb jy tlm nafmgt fg tlm bhth dhtlmrfgd slmmt hgb tlm pmrscgha bfsnussfcgs wftl tlm

nafmgt. H ncpy ce tlm bhth dhtlmrfgd slmmt fs hvhfahjam cg rmqumst. Rlm fgecrkhtfcgncgthfgmb fg tlm efghgnfha pahg kust jm rmhb nhrmeuaay. Fg nhsm hgy rmamvhgt fgecrkhtfcg fscvmraccimb cr kfsfgtmrprmtmb, tlmg wm rmqumst tlm nafmgt tc ncgthnt us jmecrm prcnmmbfgd

wftl tlm fkpamkmgthtfcg ce tlm pahg. Rlm efghgnfha pahg fs nckpamtmay jhsmb cg tlm

fgecrkhtfcg suppafmb tc us jy tlm nafmgt, wlfnl wm hssukm tc jm ncrrmnt. Gc rmspcgsfjfaftynhg jm hnnmptmb fe tlm fgecrkhtfcg prcvfbmb tc us fs fgncrrmnt cr fghnnurhtm. Rlfs pahg fs

prmphrmb scamay ecr tlm usm ce tlm nafmgt tc wlck ft fs hbbrmssmb.

Rlfs efghgnfha pahg fs h ecrwhrb-accifgd bcnukmgt wlmrm wm lhvm hssukmb nmrthfgrmturg cg fgvmstkmgts cg vhrfcus fgvmstkmgt nahssms hgb fgeahtfcg. Rlmsm ecrwhrb-accifgd

sthtmkmgts fgvcavm, hgb hrm sujomnt tc igcwg hgb ugigcwg rfsis, ugnmrthfgtfms hgb ctlmr

ehntcrs, wlfnl ncuab nhusm hntuha rmsuats, pmrecrkhgnm cr hnlfmvmkmgts tc bfeemr erck tlmeuturm rmsuats, pmrecrkhgnm cr hnlfmvmkmgts mxprmssmb cr fkpafmb jy sunl ecrwhrb-

accifgd sthtmkmgts.

Haa tlmsm ecrwhrb-accifgd sthtmkmgts httrfjuthjam tc HpghPhfsh lmrmfg hrmmxprmssay quhafefmb fg tlmfr mgtfrmty jy tlm hjcvm-kmgtfcgmb nhutfcghry sthtmkmgt.

HpghPhfsh bcms gct hnnmpt hgy bfrmnt cr fgbfrmnt afhjfafty ecr hgy rmsuats, pmrecrkhgnm cr

hnlfmvmkmgts tlht bfeemr erck rmsuats, pmrecrkhgnm cr hnlfmvmkmgts fkpafmb jy sunlecrwhrb-accifgd sthtmkmgts.

Tm bc gct prckfsm tlht tlm fgvmstkmgts ycu khim jhsmb cg tlfs pahg wfaa jm

prcefthjam. Fgvmstkmgts hrm hawhys sujomnt tc vhrfcus khrimt, nurrmgny, hgb mncgckfn,pcaftfnha hgb jusfgmss rfsis. Tm wfaa gct jm afhjam ecr hgy acssms tlht khy jm nhusmb

bfrmntay cr fgbfrmntay jy sunl fgvmstkmgt bmnfsfcgs.

Rlfs efghgnfha pahg fs jhsmb cg tlm nurrmgt sftuhtfcg hgb dchas, wlfnl wfaa nlhgdm

wftl tlm phsshdm ce tfkm. Hgy khtmrfha nlhgdm fg tlm efghgnfha sftuhtfcg ce tlm nafmgt wfaa

gmnmsshrfay rmgbmr tlm ncgtmgts ce tlm pahg cut ce bhtm. Khtmrfha nlhgdms rmemr tc nlhgdm fgfgnckm/shahry amvmas, hssmts hnqufrmb, afhjfaftfms fgnurrmb, nlhgdm fg gukjmr ce

bmpmgbmgts, lmhatl ncgbftfcg, cr tlm phsshdm ce tfkm ce kcrm tlhg 8: kcgtls cr tlm meemnt

ce fgeahtfcg cr bmeahtfcg.

Tm strcgday rmnckkmgb tlhth) Vcu rmvfmw tlfs pahg pmrfcbfnhaay tc mgsurm tlht ycur pahgs hntuha pmrecrkhgnm fs

ncgsfstmgt fg kmmtfgd ycur dchas, hgb

j) Vcu upbhtm ycur pahg hgguhaay tc mgsurm tlht ycur pahg fs upbhtmb ecr ycur nlhgdfgdsftuhtfcg hgb dchas.

Bfsnahfkmr


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