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mckj, 15 mhbyj 2008

DhuJ[ G Ƶ#C n DOJOJ cni[ yvl uu Dn DC Yk<l pj lcծ huu mk&OJ hl hokj [iv mmpp yvkճծ Dmu lj Dlhmv lճj uiuu yj. cub Yklkծ ov vճpv DKlv u#l Ikճծ Jn cmo yy...
mbpճ mbi
Ijlu unvi yU n Dhu pkvծ nuJHuJ DC uIk Jhj Dml. hC mOծ Ƶ#Cծ KmiJjCծ il, n vjim yU Yk<lu Kh c DL&J Ʈbln JjC yvu Dn. Ƶ#C n DOJOJ cni[ nl uu Dmv, kյ<l: cu 15-16 k<եh# c Pu J lmbybOv K[y[v pi nTv kծj Jjճu pCN huJb Dpn ynmbK Dn. cnCvծ nC cCmv lkj k v hnl unvhChmvծ Dio cuծ pvchmvծ lծ Ƶ#Cm lpkp Jjճu nk. Dm Ju lj cuծ Yklkyyl hnuu mkhvbv cvpil DJj ol F&u.
lcծ u# jk!
cuծ Yklkyyll Ju pCN vճpvlu hnu DC cnkծ hճj cnCp- lcծ u# vO&jl Jj. vƵl u#lv vճpvu YJwJchC l. llv ci DkյJ l vճcl yծlu kk cUl DC lvmj m ci&cC nl jnl.
 


Yk<l lcծ cuծ G Ƶ#Cm DpծI[u lcn ojcn Jl yծl Jjճu nk, nn jkl ճu nk. cuծ Yklkk<ճ lծ pvcծ kU m G jkC lm Hjm JC vn. cnCp c Pukj cu DJ&Jwju pF&u J yPvm c@vpcb Jju Jbk Yk<l lkU GodYkCN JCl vk kkmƳJ DYmկcծ hճ& vk[u, n Dl jkl C Jwծ vn. hC mOծ DI[Ǯ hHvu Jm&mm Cj mOjC Kծ& lj lcnu pCv Il F&u. hokhk& Ƶ#C mcp pclc hC& Pu, hC hokj DC kkmƳJ DYmկcbm (l pj Kmi kvDvovl Ƶ#C mbmLbcOvծ ynlJ Jjk uilu!) Cj Kծ& Dk{k Dml. Ƶkճ Jcv ov hJj DYmկcbm hk hj#b lճjm JƮbi kijkj Cj Kծ&n cծ Dml. yy vճpv Jjlv u#l Iճu nkl.
Kծ& Dbop
omj c cnCp lcn vO&jl Juu u#vh DYmկc hC& JjCծ kճ pkj cu iu lkj lb Ƶ#CյuJkju Kծ&n k{uu Dmu. Yjllu uvk{Ǯ SlnmJ oj n ml JwJ Dn. khdz mljkju hLcJ hok DYmկc pm y.S., y. J@c. Jbk y.Smm. H n oI&coll uvk{Ǯ ojvh k{l pCj Dn. o#C ouumLl mJճuFv yPvm mJuծ hcK hkC hj b cl, `h{u hծ l 10 k<եl, kkmƳJ DYmկcbkju Kծ& n k<&J mjmj 10-15 JwJwbv k{Cj Dn. c$ Yk<l cnCp 10-15 k<եvblj Dmn I[u J, Ƶ#CkkmLl lb$%v DC ojmbjծ mOvb khj k{l pF&u. cnCp Dl SJ Ƶ#Jծ klv n pj ki&lu 60 kLե HcOv Yil Dmu. lj 15 k<եvblj nծ Ƶ#C h#hC lb$%vծ 10,000 kLեv SJծ kU ƵJk uiu, hjCc hl kL& Kծ&n vƵlծ Iu.' Dm Jn I[Cծ JkU Jwl Dn, hC lm I[uծ Dm mbil Cj vn. lcU Jwlkj kmbyv jn vJ. pj lj mN Jwl u#l Il, Jcv 10 JwJ k<&J ojv Ƶ#Ckju Kծ& k{l pF&u, Dm inl Oժv vճpv DK, Dm muu kdz vճpvJj kj mjomF& oll. lb cl, SJboj DL&kkmLl cniF& k{Ǯ p oj Dn lh# cnCp ml JwJwb Ku Ƶ#Ckju Kծ&lu k{Ǯ oj JCln mLll inl Ojl Cj vn.
mi iblkCJ
lcծ u# mO JjCJjl lcծJ[v vcJ JCl iblkCJ hճ&ծ khj Jjճu nk, nn hJwJ jkk uiu. mjomF& b cl, ``Dյ oI&colǮ yծlmboY&l mk&OJ GhճJwl cnCp Dm& DC hhSH Dm ov hճ& Dnl. JC Dm&cOu iblkCJ n c᮳Du Hb[ծ Fb[Jwm Hb[ pvbcH&l Ju pk, Dm mjomF& mkll. n iblkCJ mOjChC m@J yJjJ[v k D@vuFv Kjo Jjl Cpi SJwmbp [[ Hb[ (F&SH) DC Fb[Jwm Hb[ cO mcv kYil F&u. SlnmJo< Dm&cOu DC kյ<l: mvmJwm vO&jl JjCN DI[Ǯ Dm&cOu iblkCJkju hjlk n mjmj k<&J 17 JwJ jnu Dn. cnCp 1979 muhmv lcn ojcn L[ L[ iblkCJ Jjl Du Dmu lj lcnu lkj Dp cUuu hjlk ojv k{uu Dmu. h{ Khծ kpk Dbop pj hJ[u lj hճ&lv k<&J mjmj 15 JwJ hjlk lj inl Ojl F&u.
hC Dm&cOu iblkCJǮ SJ mcm Dյn Dn J, Duhcoll l koU mkժhծ kO-In oKkv oF&u DC pj lcnu Dj ypj cboǮ il&l Dmlv iblkuu hm J{v Iճծ Pum, Dh#l hjlk cUkl Cj vn. lcU hhSHmjK mj#l iblkCJ hճ&b khj n DCyChmbi GhճJwllm Jjl F&u. hmbi lcծ vJ[ JjCm Lv hm cUkl F&u. mjJj vճcvmj, lcnu oj[F& . 70,000 hճեl jJwJc hhSHcO iblkl l. cnCp lcn DC lcծ hlv pj Jckl Dmu lj ojmu SJ uK 40 npj hճ hճ&l iblkl lu. 15 k<& JukOm n jJwJc iblkl iul, lj lcn 21.22 uK hճb hbp GY Jju. cu ov k<& Dmlv pj Dյ lNnv yծlu mkl Jul, lj l cu J@upծ pճծ kճu hnhճեl hhSH Kl colhl&u hnu Dmu DC lcnu l Kllu mbhC& jJwJc J{ln F&u.
ojcn yծl Jl?
Dpծ JUl cnk hhl Puu Jm&mm (Ƶ#C uJ, mci, kmlin k Dv pcu Oժ) Cj Kծ& u#l I. Dp pj lcծb cu ov k<ե Dmu lj 15 k k<& l Jm&mu hk ICծ h$l ju. cnCp Gk&jl 13 k<եl ojmu 10 JwJ ojv Kծ&l nl pCj k{ Jl nn Ovl I. cnCp Dp pj Fbpvdzjbi/c[Ju hokm Cj SJboj Jcu Kծ& m[lv uK hճb Ijl Dmu lj 13 k<եvblj l m[yj uK hճbkj iuu Dmu. ծծ DL& Yk<lu l Kծ& hl&l JjCm lcnu Dphmv ojcn mjmj 2,600 hճb yծl Jjk uiu. lcn hhSH Klkj ojcn Jjl Dmuu iblkCJ n DCyChmbi khjl Cj Dmuv kju 2,600 hճb yծl n l kljJwl Dmu ծ JUp I. (SJwmukju hSc HbJwvmծ khj Jv n iCl JCun mnp Jjl F&u. Fbjvkj h{u http://www.ehow.com/ how_2095624_calculate-future-value-investment-excel.html ubJkj pTv hSc HbJwvծ khj Jjk n mmhhC mbilu iu Dn.) Dյծ Ol& iCl n Dv Jm&mm DC kiȳ JukOm lcnu lcծ Jjl CmjK Dn. cub Yklkk<ճJ Dv G pm uiv, mklb$ Ij kij yyll nǮ hl khժv (ojmu 10 JwJ ojv k{l pCj cniF& DC iblkCJkj cU JCN hjlkծ kj ouu inlJbkj DOjl) vƵl D[K ybOl lu.
Yklkծ mj#
ojcn yծlhbLkljJwl Jn DJmcJ pKcbhmv mj#lln huJbv JUp Ik uiu. pm Ijlu Jl& kJwlǮ DJu clmjK mbJ D{kum l mbybOv Gljkuu Dճk&c vƵbll hov Jjl. mboY&l kcծ mk&OJ JHճlյj hճ& cnCp c& pvb Kjo GhճJwl ju.
Dl lcծ kc h@umkju nc jJwJc (mc D@D[&) vcJ Jl Dmճu nk? mjomF& mbybOv mkll J, ``pj lcn JCl Jp& Iluu Dmu lj lcծJ[ Jp&u mckv ICj hjm Dճk&c Jkծ Dmճu nk. l kljJwl lcծ Jbyծ Dpծ pkvcvm CN Kծ& 70 JwJ nmm h@umv mckv Iճu nk. cnCp mcp Jbyծ Jl& clvblj h@umkj cUuu jJclv ojcn D JwJ ojv (pj lcծ hյl Jbyv n jJwJc vƵl hjlk oCN pvl iblku lj) cUCj hjlk n Jbyծ SJboj pkvcv Kծ& 70 JwJ Dmճu nk.''
JbyJ Kծ& 70 JwJ kc h@umv mbj#l J Ju pk, Dm hϵv mnpJ h{ l. ծ Gj olv mjomF& mbill, ``pkn Jbylu SKoh{ kJwl (Jl& kJwl) cl hkum SJboj JbyJ Kծ&n Il. lcU n 70 JwJwb cpch inl Oju iu Dn.''
JbyJ Kծ&kljJwl cubv mk&c Ƶ#C GhuyO knk m DOJ c jJc kc J Gljku pT vճ, Dm Jwlkon moj Ju pF&u. hC lm Jum pj c& Fvjvm Dmu lj lm Yjk uiCj kc nhln hϮb[ k{lu DC h@umǮ coll l Jl& kJwl nl jnum (n Jwlծ DOJ Dml) hk&vճpl D[Kbvmj pc nCj hbpn Dhj ju. yծlǮ ynlb nmm kc nhl YjCl iu DC DKj p Gm mbh vc&Cծ Om Ilu ln Dhj jnu, Dյ hյlhծ kU F&u, Dm mjomF& mbill. lcU vcJ k hjm kc ICծ ljlcn cnkծ Dn.
Fu[ hu@vm, vJ!
DO cub #CJ Yklkծ G iCm Fb[Jwm Hb[ DC c& Fvjvm b cʹC Dmuu hճ& mku iu Dn. hC mO cub Ƶ#Cծ ov DvJ kc pvb hճ& h{ Du Dmv l mk&c Dmuծ okn Ju pl Dn. hC pvb Dnj v pC Hճծ ju. `Fu[ hu@v' vkKu kJu pCN pv Kj lj Sb[kcb, cv y@J Jbk uh pvծ Dmll. pv hl#l lcծ cuծ Yklkծ ov hjhC& Ghճ Jl vnl. pvb mk&l c $ cnCp lj hj ukƮJl iblkCJojbv hhl nl vn. SJ kƵ< kճhճեl l vƵl hjlkծ nc ol Dmu lj lcn mkl iCl cb[v hnul lj hl#l lnv Gc hjlk lcnu cUkl F&u. cK cnCp 16 l 18 k<& oI& colm Dhu iblkCJǮ kkmLhv JkU SJ Hb[ c@vpj nl k lծ DJwJu-njkj mhkCFlJ omj c pKc vn.
DKj, Dio hjbYhmv vճpv DKC DC cub ijpbvh vcJw kU vճcl yծlu uiC n Dlk cnkծ Dn. JJhC iblkCJhbL Dvmjum ynlb cOcki& Jbybv lb SJul SJ yUծ mboj Yklkm hnuu mkhv vmboiO mJjl l. hC pj JCu ov k lv cu Dmlu, lj c$ Kծ& Dkծ mkk DC lcU yծln c jnu, n u#l Iճu nk. Ƶkճ vkochlծ Dpծ Kծ& Kh c Dmu lj Yklkm yծl cnCv JnǮ ƵuuJ jnCj vn. lcU Jbyծ DJj DOJ k{kl Dmlv, Kծ& DC Yklkm lpkp JjCծ hu Dio UJhC Ovl Ilu iu hnp.

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