mcJj, 30 c 2005
 
vJ=Ǯ J<CCl?

cCm pJj kcJl Dn lJj lu l箳 cUklyyl i vpv kju nJ. `Jdz vpv` n lk pvmcvb D<l DJMk yy yvu Dn. Sk DbopcC, SKo J vJ=Ǯ JU kcJl Dmuu GlhV箳 kcv 70 kwk GlhV lj h{u D<l cUJl jn} lj l vJ= pJv mK nF&}.
mKkj vJ= pJv箳 hUJ mn vc Dm -
1. uJkj MYjbY kj.
Fbpl Sk cnC Dn- An early bird catches more worms. l cLlL& n k, YJ<箳 v iblJCkm lcn uJkj MYjbY kjJ. n h{u GonjCJv hJv ol F&u. mcp, S DC y bv J箳 25 J J<a vkjm mJl ku. mcbpm mJYJ箳 yv J箳 25 J J<&hmv ojmu 50,000 hb iblJCk m ku. lj Su pJv hjhj Dvbo u Dmuv lv hnu h J<x Dhu mj GlhV cpcpl GOUv ku, hC J箳 31 J J<&hmv lvn J|<k 50,000 hb iblJCk m ku. oIn J箳 50 J J<a vJ= Pu. lcnu Jv Okwk ymu k, Su l箳 iblJCklv 24.75 uK hb, lj yu kJU h J<x DOhmv mJl kuv 39.5 uK hb uY cUu (onW yyll iblJCkJj mjmj D kwk Jpoj i=nl Ojum). mbkjC MǮ (Power of compounding) n hjCc Dn. pcU iblJCkJj cUuu Jp cuǮ ojcC hvilJCk nl jnl J JpJj Jp J{l pl.
2. pKc IC #cl :
yBklu Hkwm[ [h@P, MDm&, yB[dm, mv, Jc, c᮳Du Hb[, Duhyl, mLJj cuc Jij iblJCkǮ JiJiU h& `hjlJ pKcvmj` (jmk jv&) Dhuh{ GhuyO Dnl. lu Skl J Skh# DOk h&l iblJCk kjChJa iblJCkojv mJ&Lc l mJl: pKc hJC #cl kl, h&l hjlJ cUC箳 k}JOyyl Dbop DC l kuJOhl ll iblJCk m JC DhCm Mkw Dn k, yyl mh D[K ybOu hnpl. pj pKc DC hjlJ l lm L mbybO vm}, lj Glc hjlJ n c pKc mJkv cUJl l DM OjC yvu Dn. cnCp DM iblJCkl nCj l mbYJn c Dml. cnCv DM iblJCkl JM kjlv, iblJCkojv pKc cC, ljulJju c&o, GhuyO kj mJul DoR hC kju nJ. Jdz vpv箳 mJlǮ hhl iblJCkoju pKc Gul F&u, c$ pmpm l J vJ=k[ ku uil lm pKc mJkjC cC kc Jnu nJ.
3. iblJCk vcl J C# :
mbhǮ v|cl Sk j$l EkJ SkJU iblJCklv nl vml. lj iblJCk n Dhu Duh colǮ, cOc lm oI& colǮ Jdz G vƽl kv vcl,Dlbl Mmlyjl DC nMjv Jnu nJ. vpk kUl T Iluu K& l Jn, p, oioiv, Jnv Kjo JijWmjK cOc-colǮ K& l cukǮ c Ij, cub M#C J uiv K& mjK oIxM ijp Sko vƽl Pu k ci lb hl&lm Jdz vpv kjC Mkw nF&u. m iblJCk Mml DlJMk yy Dn. hhSHcOu iblJCk n kCln Jdz vpv DJYp Yi DmJ, kjC l iblJCk Sk lj vcl J oI& colǮ Dml DC l kj-mJuln ov kjl. Jlj hijojbv Dhhu Jdz Gbv mpM jJk jkwkc Jlvlv ojcn JiU k{v c᮳Du Hb[bv moj kuu `mmc@k FvJnmcW hu@v` (SmDh)cO iblJl F&u. lj mJbjpij kjCNbv pj lb Jlv n Dvcl Dmum, hhSHJlj, Jc J llmc Dv pv GhuyO Dnl. hjlJ JmlJ oj n (iblJCklv cUCN hjlJ oj- uvJ{Ǯ oj) vnc mkjlck Dmu, kUp iblJCkojbv IJ.
4. iblJCkl} JJOl :
Sk iblJCk h&l Puu knm vkmv Yv k{Cj omj h& GhuyO Dmu, Dm iblJCk JJO Dhuk[ DmJ. iblJCkoj pKc mJkjC J= kMn Dm, Jdz muuij lu iblJCk JJO muu oF&u. Dhu iblJCki jkc iblJCkoj J, pKc mJkjC #cl DC Jdz ijp Ovl Ilum JiJiU iblJCk h&l JYiC kjC JiJiU c@[um Jdz muuijbk[ GhuyO Dnl. MDm&cOu iblJCk pj pKcǮ Dmu lj oI& colǮ (10 J<x J DOk kuJOkjl) Jj kjl lv mJ& kj iblJCk h&bv hjlJyyl ci ku Dn. lcU `Lcy u`cC kCln iblJCk vpvl, MDm&cOu iblJCk n 100 Jp iblJCkoj J Flkw cCl DmJ. hjbl, MDj ypj %v Dmuu iblJCkojv L MDm&cO iblJCk kjJ. DvL, DM iblJCkyyl DlcJm vmuu iblJCkojbv c᮳Du Hb[箳 FkwJ pvbl iblJCkǮ ci& mJkjJ.
5. iblJCkJj kj[ vpj :
iblJCk pj oI& colǮ Dmu lj l mbYU Dlbl nMjv ku iu hnp. Jdz ypjh n ynDc Dn DC C# iblJCkoju ypj箳 youl kub Dbop ITv vC& Il u nJl. mbi vH kcJCm J, Sklv omN iblJCk h&l vOǮ mLublj J Dlj iblJCk Dm vC& JU JU ICm Jdz ypjhJj vcl u# nJ. JJO iblJCk h&l vlkuk vOǮ mLubljCcC lk Jil iblJCkl (pm MDm&cO Sk kbhvǮ mcYilv omN kbhvǮ mcYil) iblJuu vO n ijp h[um nuJl Du hnp. MJ, ijp h[um iblJCk JJv hm GhuyO kv oCj jK ljul klhl Dn, n iblJCkhJa Jj Jnu nJ.
6. oI& colǮ Jj kj :
pJn lc iblJCkǮ vC& oI& huu Jj kv ku iu Dn, lJU ypjhlu lpǮ ojM l pUuu DmC DJMk vml. lc箳 Jdz GbcO JUJU nl pCN youbv Ovl ITv lc箳 iblJCkl DJMk l you kj. DioǮ DCyCǮ mbi D{Ju lj vJ= pJvm JiU k{uu yl c[C Jj kjJ, DvL lu nl uJ v.
Jdz mJJuby yvC lc箳l nl Dn. Dl iblJCku ui DC vJ= pJv Dvbo yvJC jpci& Ku kj!