yOJj, 15 HyJj 2006

Jc mbj#Cm oKu kuu Dp祮 svv kv l Dp& mJkjJ J vkjJ n jJCj `FvMjvm Db[jjFm&`, lcC Jc ICN JM vi[l pKcb cC hnv lv YjJ箳 nhlb oj DC l箳 Jc Dp& mJkjn&l Dv cvob[ vƵl kjCN `D@kwDj` DM JM< h$lOjk JRm Jc #$l mJlb$ JJm ouv Ku Dn. `D@kwjDu mvm` n hoJ cUJCNbcO yjpijǮ cC Mv Dn. D@kwDj n mO pilu mJ&Ok Jlv J cnvlv cUJCj mJ Dmlvn Yjll l Sk ou&#l M#Ck h& jnu Dn.
SuDmǮ mJlu kwum L Clu 35-40 Jilu 10 kwk kc&Nbv (pJUhm 74,000) `kwuk&` kcmJh mj#l vkjǮ li kv l youl Jc Spb kcMvh JJm mJsv mJkju... n ov J<hJa m Puu ylc Jc Gilu Duk[ youb l ol. hjbl Jc Gil Spb/ D@[Jnpj DC Jc mJnxj ov cK DC mJ&l ul kcbJlj kjDj Dv Dvk mbO Dnl. Jc mbj#Cm oKu kuu Dp祮 svv kv l Dp& mJkjJ J vkjJ n jJCj `FvMjvm Db[jjFm&`, lcC Jc ICN JM vi[l pKcb cC hnv lv YjJ箳 nhlb oj DC l箳 Jc Dp& mJkjn&l Dv cvob[ vƽl kjCj `D@kwDj` DM JM< h$lOjk JRm Jc #$l mJlb$ JJm ouv Ku Dn.
lm hnl n JJm Sk inv Mm$ DC kun Dn. kJU Jc #$l vJn, lj hvMv, iblJCk DC Duk[ kuh JJmLhv, yBEki DC Dji vi Gibln D@kwDjǮ kMuu JM< ciC Dn. kuh J pv DjK[ D|Lk JJn&l DC pKc JJmLhv Dbiv JMu<C kjC D@kwDjǮ kMu Jj GuuKuu Gibm Kh Ghkjk jl. l#l GibcO Dp箳 I[u D@kwDjp n @[kw [PFv J FEmi, Jdz JJmLhv DC k@hxj hu@Evi kcm Jhjl ll.
Jc #$l lj Skboj JJmLhvl, lcC hvMv, @F& DC llmc kc&j kuC vO pvbcO lj D@kwDj n ho Kh DlJMk yvu Dn. mjkjv J|ll kuu Jc pvbcO D@kwDjRv JOvk DOv cUJv ou Dn.
D@kwDj n mO pilu mJ&Ok Jlv J cnvlv cUJCj mJ Dmlvn Yjll l Sk ou&#l M#Ck h& jnu Dn, Dm cnum JJi v. Dcjk ll `Ducv@k` c@iPvv `@h HFJn p@yp`cO l iu 15 J<x mllv vWo ku Dn. Dcjk/ yvcO vJv h$l cUJCN D@kwDjǮ Jlvn J|<k 70 npj [@uj Ijl pCj Dn, lj Yjll l 18 uK hb Ijl Dn. Flk k M#CLa cnCv oKu nCN JL&un Yjll ojcn 50 npj hbhmv JJlv m nl. cnCp D@kwDj n pilu mJ&Ok cni[ M#CLan Dn Dm cnCl F&u. DCK Sk JM< u#Cdz yy cnCp Yjll `D@kwjDu mvm` n hoJ cUJCNbcO yjpijǮ cC n Mv Dn, p Dv kCln JJmƳk J il DYmcbyyl Mkw Puu vn. MJ M#Cm Cj K&n Dv JJmƳk DYmcb luvl viC Dn. lj DYmc hC& kuvblj cUCN hoJu pil kn cvl cUl, n Dlj Ho!
Yjll `D@kwjDu mm D@H Fb[` mbmLk[v n DYmc uJu pl. Fvm D@H D@kwjpJlj Fvm D@H ub[v DC D@m^u mbmLbvn Yjll cvl cUu Dn. MJ cbyF& Jh, kuC Jh (hƽc ybiu) DC iJ Jhvn `D@kwjDu mvm` n hoJ DYmc ynu ku Dn.
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Jj GuuKuu kCln Gi #$l `D@kwDj` cnCv oKu nChJa J mJlb$hC n mJ ynu kjCj JJm m kjChJa l GcoJju `D@kwjDu mm D@H Fb[` `m[v cWyj` yvC chl ju. lm l GcoJjv Kuu vk<b hl&l kju nJ.
1) lv J 18 J<x hC& kuu DmJl.
2) lv Kuuhk kCln M#Ck h$l cUJuu DmJ.
D. 10 + 2 DYmc J llmc M#C iCl/ mbKk J<l 85 kwkwbnv DOk iC cUJv GC& kuu DmJ.
y. c@Lm/ m@dm/ Fk@v@c^kwm J<l hoJ J hoJj M#C.
k. Fbpvdzj/ mS/ mSm/ ScyS (Hvvm)/ ScmS.
[. k/ Sm/ D@m^u hk kCln mmǮ momlJ.
F&. Kuu JJmƳk cb[U hC& h$ momlJ- Fvm D@H &[& DkTbbdm D@H Fb[ (DmSD), Fvm D@H k@m DB[ Jkwm& DkTbdm D@H Fb[ (Dm[yuSD), Fvm D@H HvvMu Dvum D@H Fb[ (DSHSD), FvMjvm Fvm D@H Fb[ (III) (c@Lc@ku ymm D@H FvMjvm DC m@mkwm J<lv GC&l DJMk).
3) DmSD, Dm[yuSD EkJ Fvm D@H kbhv mj D@H Fb[ mbmLbk[v GcoJj箳 Dp& MHjm ku iuu DmJ.
hj# hl :
D@kwjDu mm D@H Fb[ DYmc j hhbl JYiCl Du Dn. l hh Dm- kDj kwvku- lk 100 iCb D DlJMk J<, kDj D@hukMv- 100 iCb ov hhj, mhMum kwvku- mnhk kCln ov hhj m[JC DJMk. mhMum D@hukMv- mnhk kCln Sk hhj GC& kjC DJMk.
mbhC& DYmc n Dk[c[Jj yluu Dmuv Fsk JLk[ iCl J mbKk J<lu JC DmC DJMk Dn.
vkjǮ mbO :
hnu hh hC& kuvblj GcoJju JJO Gi #$l Gc JJlvmn M#CLa cnCv oKu nl l. Yjll Jdz mJ #$ n Jiv Jmlju Dn, lcU `D@kwjDu ^vp` vkjǮ ouv Gjlj Jmljl Dn.
1. D|Jc J mJ&mOjC Jc #$lu mjkj J Kmi kbhv.
2. kvmEui D@kwDjp kbhv.
3. D@m uyu c@vpcW (SSuSc) kbhv.
4. pilk yBk, DMF& Jkm yBkmjK y[ Dbljj^dz yBk.
5. hvMv yBk DC Yjll uJkj m nT Iluu Kmi kc&j YJ< vJ&n vO J hvMv Hb[dm.
6. y[ Yb[Ju kuh nlUCN kbhv.
7. m@HwJDj kbhv.
8. D@kwjDu yhD kbhv.
9. J DC D@kwjDu mvm DYmc uJCN M#CmbmL.
10. hv|Jc kbhv.
DYmcM vi[l kn cnJ箳 mbmL J lb h :
D@kwjDu mvm (hoJ J hoJj DYmc) kuC Jh, hm- kuC, pun- vo, hƽc ybiu.- 741235.
y.S. Fv D@kwjDu mvm (hoJ DYmc), cbyF& Jh, Sc. p. j[, H&, cbyF&- 400032.
y.Smm. Fv D@kwjDu mvm (hoJ DYmc) iJ Jh, hm- mblP, luFiJ hu@, iJ- 403002.
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Fvm D@H D@kwDjp, ub[v : www.actuaries.org.uk
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mm D@H D@kwDjp, SmS : www.beanactuaries.org
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Dhu oMlu Jc #$ Dh yuJmLl Dn Dm cnCu nJ. l pmpm J=Eil nl pF&u lmlm Jc #$l `D@kwDjp` ciC DOk hC hjJ kc Dm Ʈ$ Sk oJM omu DC M#C J kjDj Ovc cnCv n #$ Dm ou&#l jnu, lj l oJm Hj ojn vn!
mƮv jnkj
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