Wealth Wisdom For Ladies - Personal Insights to Building Wealth

8/9/2019 Wealth Wisdom For Ladies - Personal Insights to Building Wealth

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7

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2

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dbws `kub wmjh wtbhw|fkru mkrus lh j gj|(

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lh wmb cjsb kf j ubjn bswjwb jdbhw( Blwmbu tj|. |kr swlnn mjvb wk lhvbsw |kru wl`b

lh kugbu wk `jab wmb wujhsjcwlkh mjyybh( Wmjw ls khb kf wmb ubjskhs tm| wl`b

`jhjdb`bhw ls sk culwlcjn fku ybkynb tmk khn| dbhbujwb jcwlvb lhck`b(

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4

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`k`bhw( Tmjw lf wmls tjs |kr; Tmjw tkrng |kr gk;

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ls lhck`b wmjw fnkts wk |kr tlwmkrw ubzrlulhd |kru wl`b( \kr jub hk nkhdbu

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3 Wmb @lggnb Cnjss - Tmjw Lw“s Nlab Wk Eb Eukab Jw J

Mldmbu Nbvbn

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fku `khb|( Yjsslvb lhck`b ls lhck`b wmjw |kru erslhbss dbhbujwbs „tmlnb |kr




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lhswbjg kf wjalhd wmb jgglwlkhjn `khb| jhg er|lhd lhck`b yukgrclhd jssbws.

srcm js lhvbsw`bhw yukybuwlbs. nlab wmb ulcm tkrng gk. L ekrdmw wmb cju. j

njudbu nljelnlw|( Jhg L ub`bèbu j fbt |bjus jdk nlvlhd lh ebjrwlfrn skrwmbuh

Cjnlfkuhlj. tjwcmlhd wmb srhsbw kvbu wmb Yjclflc Kcbjh. curlslhd jukrhg lh `|

ckhvbuwlenb E@T tlwm wmb wky gkth. wu|lhd wk eb crwb. js wmb| sj|…(EUKAB* L

tjs eukab jw j mldmbu nbvbn( L mjg wmbsb wmlhds. erw L glgh‛w ubjnn| kth jh|

wurb jssbws( Tmlcm eulhds b wk wmb ulcm(

Wmb ulcm er| „wurb‐ jssbws tmlcm dbhbujwb yjsslvb lhck`b( Jhg wmb| wmbh rsb

wmls yjsslvb lhck`b wk yj| fku wmblu b}ybhsbs( Wmb| ejslcjnn| cubjwb j

flhjhcljn fubbgk` tmbbn( Jnsk. wmb ulcm gbflhb tbjnwm rslhd hbw tkuwm1 wmb

`lggnb cnjss gbflhb tbjnwm rslhd jhhrjn lhck`b( \kru hbw tkuwm ls |kru jssbws`lhrs |kru nljelnlwlbs(




::

Njglbs. khb kf wmb ab|s wk flhjhcljn fubbgk` ls mkt |kr `jhjdb |kru `khb|(

Wmb tbjnwm| `jhjdb wmblu `khb| glffbubhwn| wmjh wmb ykku ku wmb `lggnb

cnjss( Jhg ckhwuju| wk dbhbujn ebnlbfs. `khb| ls jn`ksw hbvbu wmb sknrwlkh wk j

`khb| yukenb`( Mjvb |kr bvbu mbjug kf j ybuskh tmk tjs eukab wmjw tkh

wmb nkwwbu| erw ubwruhbg wk eblhd eukab orsw j fbt |bjus njwbu; Tmjw

mjyybhbg; Tbnn. sk`b ybkynb ldmw sj| wmjw wmb| ekrdmw wkk `jh| dlfws.

djvb wkk `rcm `khb| jtj| wk wmblu ubnjwlvbs. yrucmjsbg ejg lhvbsw`bhws. ku

nbw wmblu flhjhcljn jgvlsku stlhgnb wmb` krw kf lw( Erw wmb rnwl`jwb jhstbu eklns

gkth wk khb wmlhd? Wmb| glg hkw ahkt mkt wk `jhjdb wmblu `khb|( \kr cjh

wursw jnn kf wmb flhjhcljn jgvlskus lh wmb tkung. erw rnwl`jwbn|. lw ls ry wk |kr wk

`jhjdb |kru `khb|( Hkekg| tlnn wjab cjub kf |kru `khb| nlab |kr tlnn(

Wmjw ls khb kf wmb ubjskhs tm| lw ls sk l`ykuwjhw wk wujca |kru yukdubss kh wmb

ukjg wk flhjhcljn fubbgk`( Mkt bnsb jub |kr dklhd wk ahkt lf tmjw |kr jub

gklhd ls tkualhd; Cmbca wmb ubsrnws( Lf |kr jub dbwwlhd wmb ubsrnws |kr tjhw.

wmbh e| jnn `bjhs. abby gklhd tmjw |kr mjvb ebbh gklhd( Mktbvbu. lf |kr gk

hkw nlab wmb ubsrnws. lw ls wl`b wk ubjnlb wmjw |kr mjvb dkw wk gk sk`bwmlhd

glffbubhw( @j|eb lw ls js sl`ynb js ubjnllhd wmjw |kr `j| hkw ahkt js `rcm js

|kr wmkrdmw |kr glg( Erw wmb dkkg hbts ls…(wmbub ls j sknrwlkh fku wmjw( Wmbub

ls ynbhw| kf wujlhlhd jvjlnjenb( Jhg ebfkub |kr wbnn `b wmjw |kr cjh hkw jffkug

lw. ku wmjw lw tlnn eb b}ybhslvb. L tjhw |kr wk jsa |krusbnf wmb fknnktlhd

zrbswlkh…‐Mkt `rcm ls `| ldhkujhcb ckswlhd `b;‐ Wursw `b. fuk` `| kth

b}ybulbhcbs. L mjvb fkrhg ldhkujhcb wk eb yjlhfrnn| b}ybhslvb(

Njglbs. lf |kr gk hkw nlab |kru flhjhcljn slwrjwlkh. wmb jesknrwb flusw swby. j

yjlhfrn khb fku sk`b. ls wk wjab j dkkg nkka lh wmb `luuku( Lh kwmbu tkugs. |krmjvb wk wjab ubsykhslelnlw| fku tmbub |kr jub flhjhcljnn| jhg mkt |kr mjvb

cubjwbg |kru flhjhcljn slwrjwlkh e| wmb gbclslkhs |kr mjvb `jgb( Kwmbutlsb.

|kru slwrjwlkh tlnn hbvbu cmjhdb jhg |kr tlnn ckhwlhrb wk ubybjw wmb sj`b

yjwwbuhs kvbu jhg kvbu jdjlh( \kr tlnn eb nlab wmjw mj`swbu urhhlhd kh lws ynj|




:5

tmbbn…urhhlhd. urhhlhd. jhg urhhlhd… lh clucnbs. jhg dbwwlhd hktmbub(

Wjalhd ubsykhslelnlw| b`yktbus |kr wk `jab glffbubhw cmklcbs wk cubjwb

glffbubhw ubsrnws( Kwmbutlsb. lf lw ls jntj|s sk`bekg| bnsb‛s fjrnw. wmbh |kru

gbswlh| nlbs lh wmblu mjhgs. hkw |krus. jhg |kr mjvb ubhgbubg |krusbnf

yktbunbss wk cmjhdb lw( Ybkynb tmk cnjl` wmls „vlcwl`‐ `bhwjnlw|. js j ubsrnw kf

enj`lhd kwmbus. wbhg wk ckhswjhwn| flhg wmb`sbnvbs lh slwrjwlkhs tmbub wmb|

jub eblhd wjabh jgvjhwjdbg kf( Mkt ls wmls. |kr `ldmw jsa; Tbnn. tmbh |kr

enj`b kwmbus |kr jub jfflu`lhd wk wmb rhlvbusb wmjw |kr jub j vlcwl` eblhd

wjabh jgvjhwjdbg kf e| jnn wmbsb kwmbu ybkynb( Jhg js j ubsrnw. |kr ebdlh wk

jwwujcw ybkynb lhwk |kru syjcb wmjw tlnn wjab jgvjhwjdb kf |kr( Wmb| cjh hkw

mbny wmb`sbnvbs. slhcb wmls ls wmb bhbud| |kr jub sbhglhd krw( Bvbu|wmlhd ls

bhbud|. lhcnrglhd |kru wmkrdmws( Lf |kr mjvb ykslwlvb wmkrdmws |kr jub

sbhglhd krw bhbud| jw mldmbu vleujwlkhs. js lh wmb cjsb kf ok|. ybjcb. jhg nkvb.

jhg wmbh |kr tlnn jwwujcw ybkynb lhwk |kru syjcb wmjw jub j ubfnbcwlkh kf wmjw(

Jhg kh wmb ckhwuju|. tmbh |kr mjvb hbdjwlvb wmkrdmws |kr jub sbhglhd krw

bhbud| jw nktbu vleujwlkhs. js lh wmb cjsb kf enj`lhd. culwlcllhd. ulglcrnlhd. ku

mruwlhd sk`bkhb. jhg wmbh |kr tlnn jwwujcw ybkynb lhwk |kru syjcb wmjw jub j

ubfnbcwlkh kf wmjw( L ahkt wmls fuk` `| kth b}ybulbhcbs kf mjvlhd nlvbg fuk`

ekwm bhgs kf wmb sybcwur`(

Sk. tm| hkw nbjuh fuk` kwmbus tmk jub blwmbu flhjhcljnn| fubb ku tbnn kh wmblu

tj|; Khcb jdjlh. jcmlbvlhd flhjhcljn srccbss swjuws tlwm wjalhd jcwlkh( Sk.

tkrngh‛w |kr nlab wk wjab wmb swbys wmjw sk`bkhb bnsb mjs wjabh sk |kr gkh‛w

mjvb wk `jab wmb sj`b `lswjabs wmb| glg; Wmjw ls tm| L j` mbub…wk smjub `|

ybuskhjn b}ybulbhcbs lh mkybs wmjw lw lhsylubs jhg mbnys |kr. jhg jnsk. wk eb

lhsylubg jhg rynlfwbg e| |kru ybuskhjn swkulbs js tbnn( Jhg L tkrng nkvb wkmbju fuk` |kr( Ebck`b jh b}cnrslvb `bèbu kf j flhjhcljnn| bhnldmwbhbg

ck``rhlw| kf njglbs( Wjab j `k`bhw jhg sbhg `b jh b`jln wk

LWJWLSwkcasIjkn(ck (

mailto:[email protected]






:3

7 Wmb Ys|cmknkd| kf Tbjnwm

W( Mjuv Babu mjs tulwwbh j tkhgbufrn ekka cjnnbg „Sbcubws kf wmb @lnnlkhjlub

@lhg(‐ L mldmn| ubck``bhg lw. js lw fkcrsbs kh kru ebnlbfs jekrw `khb| jhg

mkt wmksb ebnlbfs mjvb ckhwulerwbg wk kru flhjhcljn slwrjwlkh wkgj|( Jhg slhcb

|kru ebnlbfs cubjwb |kru ubjnlw|. |kru `lhg mjs j wub`bhgkrs lhfnrbhcb kh

|kru flhjhcljn slwrjwlkh lh tj|s wmjw |kr `j| hkw bvbh eb jtjub kf( Mb wjnas

jekrw |kru flhjhcljn enrb yulhw. mkt lw ls gbwbu`lhbg. jhg mkt lw lhfnrbhcbs

|kru `khb| slwrjwlkh( Khb kf wmb `jh| wmlhds L nbjuhbg ls mkt `| mjelws mjvb

ebbh fku`bg lh yjuw e| `kgbnlhd `| yjubhws‛ ebmj vlkus(

L mjvb `bw `jh| yukfbsslkhjns tmk gbflhb wmb`sbnvbs e| tmjw wmb| gk( @jh|kf wmb` mjvb swjwrs( Fknas tmk mjvb swjwrs gkh‛w mjvb okes1 wmb| mjvb

„ykslwlkhs‐ lf |kr tlnn( L‛` srub |kr ahkt wmb w|yb( Lh fjcw. |kr `j| bvbh eb

khb( Gkcwkus. jwwkuhb|s. bhdlhbbus. jcckrhwjhws. jhg kwmbu yukfbsslkhjns wbhg

wk mjvb „swjwrs(‐

Fknas swrca lh swjwrs kfwbh tlhg ry sjekwjdlhd wmblu flhjhcljn fubbgk` ubsrnws.

sreckhsclkrsn|( Mkt; Ebcjrsb wmblu lgbhwlw| ls sk tujyybg ry lh tmjw wmb|

gk( Wmb| jub yukrg wk sj| „L‛` j gkcwku1 L‛` jh jwwkuhb|1 L‛` jh bhdlhbbu1 L‛`

j CYJ(‐ Sk. lf wmb| tbub wk yrw wmb`sbnvbs lh wmb flhjhcljn ykslwlkh wk hkw mjvb

wk gk tmjw wmb| gk. wmjw tkrng eb j wmubjw wk wmblu sruvlvjn. ku sk wmb| wmlha(

Ub`bèbu; Wmblu lgbhwlw| ls swukhdn| wlbg lh wk tmjw wmb| gk( Sk. wmls ls mkt

wmb| tlhg ry sjekwjdlhd wmblu ubsrnws kh j sreckhsclkrs nbvbn( Sk. lf |kr wurn|

tjhw wk eb flhjhcljnn| fubb tmbub |kr hbvbu mjvb wk tkua jdjlh. L bhckrujdb

|kr wk gbjn tlwm wmls dubbhb|bg `khswbu…(nbjuh mkt wk lgbhwlf| |krusbnf

lhgbybhgbhwn| kf tmjw |kr gk( Fku `b. L nbjuhbg wmls ubjn zrlca tmbh L tjs

njlg kff `| bhdlhbbulhd „ykslwlkh‐ fku sbvbh `khwms( Mbub lw tjs. L mjg ebbh

lh wmb bhdlhbbulhd flbng fku sbvbh |bjus jhg hkt. jnn kf wmb srggbh. tmbh

sk`bkhb jsabg `b tmjw L glg. L ckrng hkw wbnn wmb` L tjs jh bhdlhbbu. slhcb L

tjs rhb`ynk|bg( L mjg wk nbjuh wmls nbsskh. jhg wmls ubjnljwlkh mjs mbnybg `b




:7

`lhl`lb wmb `bhwjn jhg sreckhsclkrs enkcas wmjw mjvb snktbg `| flhjhcljn

fubbgk` yjwm(

Sk ub`bèbu. lf |kr jub khb kf wmksb ybkynb swrca lh swjwrs. |kr `j| flhg wmjw

|kr jub bffbcwlvbn| nlab lws jcukh|`. „Swlnn Wkk Juukdjhw Wk Rhgbuswjhg

Srccbss(‐ Nbw lw dk. jhg lw cjh `jab jcmlbvlhd |kru flhjhcljn dkjns wmjw `rcm

bjslbu(




:2

2 Ck`ykrhg Lhwbubsw – Lw Cjh Fbbg \kr Ku Lw Cjh Bjw

\kr…Ekh Jyybwlwb“

Ck`ykrhg lhwbubsw ls e| fju khb kf wmb `ksw yktbufrn yulhclynbs wmjw cjh mbny

|kr ubjcm |kru flhjhcljn dkjns( Hkt. kh wmb fnly slgb. lw cjh jnsk abby |kr

eukab jhg lh gbew wk wmb cubglw cjug ck`yjhlbs(

Njglbs. L tjhw wk gb`khswujwb wk |kr j sl`ynb b}j`ynb kf ck`ykrhg lhwbubsw

jhg mkt yktbufrn wmls ckhcbyw ls(

L`jdlhb wmb fknnktlhd scbhjulk(

\kr jub yukvlglhd j khbwl`b sbuvlcb fku sk`bkhb wmjw njsws khb `khwm. jhg

wmjw crswk`bu dlvbs |kr j cmklcb kf wtk kywlkhs kf yj|`bhw(

Mbub jub wmb wtk kywlkhs?

:, Jw wmb bhg kf |kru sbuvlcb. wmb crswk`bu yj|s |kr ':99.999 nr`y sr`

yj|`bhw( Hkw ejg. bm; KU

5, Jw wmb bhg kf |kru sbuvlcb. wmb crswk`bu yj|s |kr ': wmb flusw gj|. jhg

smkts |kr j wbcmhlzrb tmbube| |kr cjh gkrenb wmls j`krhw bvbu|gj| fku wmb

hb}w 3: gj|s(

Tmlcm tkrng |kr cmkksb;

Tbnn. nbw‛s nkka jw kywlkh #: flusw slhcb lw ls wmb bjslbsw – jw wmb bhg kf |kru 3:

gj|s. jssr`lhd |kr glg hkw sybhg jh| kf wmb `khb| |bw. |kr tkrng mjvb

':99.999( Jhg L `rsw jg`lw. wmjw skrhgs yubww| dkkg. bsybcljnn| ckhslgbulhd

wmb fjcw wmjw wmb jvbujdb ybuskh tlnn hkw `jab wmjw lh j |bju. nbw jnkhb khb

`khwm(




:6

Hkt. nbw‛s nkka jw kywlkh #5( Gk `b -jhg |krusbnf, j fjvku jhg dbw krw j

cjncrnjwku( Jhg lf |kr gkh‛w mjvb khb. dbw krw |kru cbnn ymkhb( L‛nn ebw |kr

mjvb j cjncrnjwku kh lw wmjw |kr cjh rsb( Wk ubcjy. |kr jub dlvbh ': wmb flusw

gj| jhg wmbh lw gkrenbs bvbu|gj| fku wmb hb}w 3: gj|s( Sk. kh gj| 5. |kru ':

ebck`bs '5. kh gj| 3. |kru '5 ebck`bs '7. kh gj| 7. |kru '7 ebck`bs '=.

jhg sk kh(

Lf |kr swjuw tlwm ': jhg `rnwlyn| lw e| 5 jhg wjab lws ubsrnw jhg `rnwlyn| e| 5.

jhg sk kh fku 3: gj|s. tmjw gk |kr dbw; Tbnn. mbub‛s tmjw L dkw……(gur` uknn

ynbjsb……': elnnlkh. 43 `lnnlkh. 47: wmkrsjhg. jhg =57( \BS* L sjlg elnnlkh

tlwm j „e(‐ L gkh‛w ahkt jekrw |kr. erw wmjw‛s yubww| ymbhk`bhjn…(wmb

YKTBU kf ck`ykrhg lhwbubsw(

Hkt. tmlcm kywlkh tkrng |kr cmkksb; Kywlkh 5 kf ckrusb*

Ubsrnws?

:, 3: gj|s ':99.999

5, 3: gj|s ':.943.47:.=57

Urnb kf 45

Wmb Urnb kf 45 jyynlbs mbub js tbnn( Tmjw ls wmb Urnb kf 45; Lf |kr glvlgb 45

e| wmb jhhrjn lhwbubsw ujwb. wmb ubsrnw ls mkt `jh| |bjus lw tkrng wjab |kru

khb wl`b lhvbsw`bhw wk gkrenb( Wmjw ls wmb yktbu kf ck`ykrhg lhwbubsw( Fku

lhswjhcb. jh lhlwljn khbwl`b lhvbsw`bhw kf ':9.999 jw j ujwb kf ubwruh kf :5" tkrng wjab 6 |bjus wk gkrenb lhwk '59.999(

Hkt. ubwruhlhd wk wmb flusw scbhjulk. tmbub |kr mjvb wmb wtk yj|`bhw kywlkhs(

Wmb sbckhg kywlkh bhwjlnbg nbjuhlhd j wbcmhlzrb tmbub |kr ckrng gkrenb




:4

|kru `khb| bvbu| gj|( Jhg |bs. L `rsw jg`lw. wmls skrhgs yubww| fjufbwcmbg(

Ejslcjnn|. |kr tkrng hbbg wk `jab :99" yukflw -ku gkrenb |kru lhvbsw`bhw,

bvbu| gj| fku 3: ckhsbcrwlvb gj|s lh kugbu wk ebck`b j elnnlkhjlub. tlwm j

„e(‐ Tbnn. tmjw lf L ckrng smkt |kr j wbcmhlzrb wmjw `j| wjab j nlwwnb nkhdbu.

sj| |kr ckrng gkrenb |kru lhvbsw`bhw lh j |bju; Jhg ebfkub |kr sj| „wmjw‛s

l`yksslenb‐ L tjhw |kr wk ahkt wmjw L mj vb gkhb lw ebfkub( Mkt |kr ldmw

jsa; E| wujglhd lh wmb swkca `juabw(

Njglbs. L ebnlbvb wmjw ubjn bswjwb lhvbswlhd ls khb kf wmb zrlcabsw tj|s wk

ebck`b j `lnnlkhjlub( Erw. tmbh lw ck`bs wk dbhbujwlhd yjsslvb lhck`b. wmb

ab| wk flhjhcljn fubbgk`. L mjvb fkrhg wmb swkca `juabw wk eb khb kf wmb `ksw

nrcujwlvb `bwmkgs krw wmbub( Jhg fku wmksb kf |kr tmk glsjdubb. L bhckrujdb

|kr wk kybh |kru `lhg ry wk wmb yksslelnlw| wmjw wmbub `j| eb sk`b wmlhds

jekrw wmb swkca juabw wmjw |kr gk hkw ahkt( Fkudbw jekrw tmjw |kru

hbldmeku. ubnjwlvb. ku cktkuabu sj|s( Glsckvbu tmjw tkuas fku |kr( Jhg

ub`bèbu wmls? L hbvbu jnnkt sk`bkhb wk wbnn `b L cjh hkw dk tmbub wmb| mjvb

hbvbu ebbh( Lf wmb| mjvb hbvbu gkrenbg wmblu lhvbsw`bhw lh wmb swkca `juabw.

wmbh tmjw zrjnlflbs wmb` wk wbnn |kr wmjw |kr cjhhkw gk sk; Jesknrwbn| hkwmlhd*

L cbuwjlhn| gk hkw ahkt bvbu|wmlhd( Jhg L j` jntj|s kybh wk nbjuhlhd

sk`bwmlhd hbt wk abby `b kh wujca wktjugs `| flhjhcljn dkjns( Erw L tlnn sj|

wmls( L mjvb ebbh wujglhd lh wmb swkca `juabw hkt fku kvbu flvb |bjus rslhd j

s|swb` wmjw `| `bhwku Gu( Swbymbh Ckkybu cubjwbg( Jhg mb mjs ebbh wujglhd

lh wmb swkca `juabw fku kvbu 59 |bjus( L mjvb gkhb sk tbnn tlwm mls s|swb` wmjw

L mjvb nlcbhsbg tlwm ml` wk wujlh kwmbus kh lw( Sk. tmk jub |kr dklhd wk nlswbh

wk; Wjab j `k`bhw wk oklh j flhjhcljnn| bhnldmwbhbg ck``rhlw| kf njglbs jhgsbhg `b jh b`jln wk LWJWLSwkcasIjkn(ck (








:=

6 Wj} Gbgrcwlenb – Tmjw Gkbs Lw Ubjnn| @bjh;

Njglbs. mkt `jh| kf |kr ebnlbvb lh sybhglhd `khb| ebcjrsb lw ls wj}

gbgrcwlenb; L ahkt |kr mbju lw jnn wmb wl`b( Wmb `kuwdjdb ck`yjhlbs tmk wu|

wk dbw |kr wk wjab krw sk`b kf |kru bzrlw| wk yj| kff cubglw cjug elnns; Tmjw gk

wmb| sj|; Tbnn. lf |kr wjab krw j mk`b bzrlw| nkjh. wmbh wmb lhwbubsw ls wj}

gbgrcwlenb(

Fku wmksb kf |kr tmk nlab wk sybhg `khb| sknbn| ebcjrsb wmb b}ybhsb ls wj}

gbgrcwlenb. wmbh L mjvb j gbjn fku |kr( Mkt jekrw |kr dlvb b j gknnju. jhg L

tlnn dlvb |kr 39 cbhws ejca( Skrhg nlab j dkkg gbjn fku |kr; L glgh‛w wmlha sk(

\bw. wmls ls b}jcwn| tmjw mjyybhs tmbh |kr sybhg `khb| fku wmb sknb yruyksbkf dbwwlhd j wj} ubfrhg( Lh fjcw. L mjvb kvbumbjug ckhvbusjwlkhs ebwtbbh

ybkynb. tmbub wmb| rsb sybhglhd jgglwlkhjn `khb| kh j mk`b `kuwdjdb

vbusrs tmjw wmb| jub cruubhwn| sybhglhd fku ubhw ebcjrsb wmb| cjh tulwb kff

wmb lhwbubsw( Hkt. gkh‛w dbw `b tukhd. js wmbub ls hkwmlhd tukhd tlwm er|lhd

j mkrsb wk mbny erlng tbjnwm e| lhcubjslhd |kru hbw tkuwm( Erw. fujhan|. `ksw

fknas mjvb dkw lw ejcatjugs( Wmb flhjhcljnn| fubb jhg nlwbujwb gk hkw sybhg

`khb| fku wmb sknb yruyksb kf dbwwlhd j wj} ubfrhg( Lhswbjg. wmb| nbjuh tj|s

wk gbgrcw b}ybhsbs wmjw wmb| jnubjg| mjvb jh|tj| wmukrdm j nbdlwl`jwb

erslhbss(

L swjuwbg `| flusw erslhbss. jh bck``bucb + hbwtkua `juabwlhd erslhbss.

sbvbh |bjus jdk( L tjs nkkalhd fku j tj| wk `lhl`lb `| |bjun| wj} elnn( Kf

ckrusb. khb kf wmksb tj|s ls wk kth j mkrsb jhg gbgrcw wmb `kuwdjdb lhwbubsw(

Erw jw wmls wl`b. L tjs lh wujhslwlkh. sk L glg hkw kth j mkrsb( L `jgb wmb

`lswjab kf sbnnlhd `| flusw yukybuw| j |bju bjunlbu( Erw js wmb sj|lhd dkbs. hkt

wmjw L ahkt ebwwbu. L gk ebwwbu( Sk. L mjvb hk ubdubws(

Lh bssbhcb. L tjs jenb wk ubgrcb `| |bjun| wj} elnn e| b`ynk|lhd j sl`ynb

flhjhcljn `kgbn rsbg e| erslhbss kthbus( Ejslcjnn|. lw dkbs nlab wmls? Erslhbss




:<

kthbus wjab lh lhck`b. lhcru erslhbss b}ybhsbs. tmlcm wmb| gbgrcw. jhg yj|

wj}bs kh wmb ubsw( B`ynk|bbs kh wmb kwmbu mjhg rsb jhkwmbu flhjhcljn `kgbn(

Wmb| wjab lh lhck`b. yj| wj}bs. jhg rsb wmb ubsw wk yj| fku wmblu b}ybhsbs(

Mktbvbu. L tjhw wk ublwbujwb wmb swjwb`bhw L `jgb bjunlbu( Wmb ab| mbub ls hkw

wk sybhg `kub `khb| lh kugbu wk gbgrcw wmb b}ybhsbs fuk` |kru wj}jenb

lhck`b( Wmjw tkrng eb nlab sybhglhd ':(99 lh kugbu wk dbw '9(39 ejca( Erw. lf

|kr jnubjg| mjvb b}lswlhd b}ybhsbs. tmlcm cjh eb nbdlwl`jwbn| cnjl`bg js

erslhbss b}ybhsbs. wmls ls tmbub kthlhd j erslhbss cjh yj| sbulkrs

glvlgbhgs(

Jhg. mbub ls j scbhjulk wk lnnrswujwb wmls yulhclynb?

Sj| |kr mjvb j erslhbss kthbu jhg jh b`ynk|bb tmk bjcm `jab ':99.999

ybu |bju( Jssr`b wmb| jub ekwm wj}bg jw wmb sj`b ujwb kf 39"( Wmb erslhbss

kthbu sybhgs '79.999 lh erslhbss b}ybhsbs( Tmjw ls wmb ubsrnw; Tbnn. wmb wj}

elnn kf wmb erslhbss kthbu tkrng eb sreswjhwljnn| glffbubhw( Tm|; Ub`bèbu

wmb flhjhcljn `kgbn(

Wmb erslhbss kthbu `jabs ':99.999. erw s+mb dbws wk srewujcw wmb '79.999

fuk` wmb kuldlhjn ':99.999 jhg yj| wj}bs kh wmb ubsw( Sk. wmb ubsrnwlhd wj}jenb

lhck`b ls ':99.999 `lhrs '79.999 bzrjnlhd '69.999( 39" kf '69.999 ls

':=.999( Wmb erslhbss kthbu yj|s ':=.999 lh wj}bs(

Hkt kh wmb fnly slgb. wmb b`ynk|bb `jabs ':99.999 jhg ls l``bgljwbn| wj}bg(

39" kf ':99.999 ls '39.999( Wmb b`ynk|bb yj|s '39.999 lh wj}bs(

Njglbs. wmls ls j ':5.999 jgvjhwjdb wmjw wmb erslhbss kthbu mjs( Wmjw ls ':999

ybu `khwm( Js wmb sj|lhd dkbs. „j ybhh| sjvbg ls j ybhh| bjuhbg(‐ Sk lh wmls

cjsb. j ':999 sjvbg ls ':999 bjuhbg( Tmjw tkrng |kr gk tlwm jh b}wuj ':999




59

ybu `khwm; Lf |kr jub tkhgbulhd tmbub wk dbw wmb b}wuj `khb| wk swjuw

erlnglhd tbjnwm. wmls ckrng eb lw( \kr mjvb yukejen| jnubjg| dkw lw. jhg lw ls lh

wmb fku` kf |kru b}lswlhd wj} elnn( Flhg j tj| wk ubgrcb |kru wj}bs(




5:

4 Ukwm LUJ vs( Wujglwlkhjn LUJ

Flusw kff. njglbs. lf |kr jub j wujglwlkhjn b`ynk|bb jhg |kru ck`yjh| mjs j

79:a ynjh. lhvbswlhd ry wk wmb j`krhw wmjw |kru ck`yjh| `jwcmbs ls j dubjw

lgbj( Fku b}j`ynb. lf |kru ck`yjh| `jwcmbs |kru lhvbsw`bhw fku ry wk 2" kf

|kru lhvbsw`bhw j`krhw. wmbh lhvbswlhd ry wk 2" cjh `j}l`lb |kru ebhbflw(

Tm|; Ebcjrsb wmls ls fubb `khb|( Fku lhswjhcb. L khcb tkuabg fku j ck`yjh|

wmjw `jwcmbg `| lhvbsw`bhw gknnju fku gknnju fku ry wk 6" kf `| lhvbsw`bhw

JHG L tjs vbswbg l``bgljwbn|( Wmjw `bjhs L mjg jh l``bgljwb :99" ubwruh

kh `| `khb| lh jgglwlkh wk wmb djlhs lw `jgb lh wmb `juabw( Ub`bèbu wmb

bffbcws kf ck`ykrhg lhwbubsw( Jnsk. wmb 79:a mjs wj} ebhbflws ebcjrsb |kru

wj}jenb lhck`b ls ubgrcbg e| wmb j`krhw wmjw |kr lhvbsw lh wmb ynjh(Ub`bèbu wmb flhjhcljn `kgbn kf wmb erslhbss kthbu L gbsculebg lh wmb Wj}

Gbgrcwlenb – Tmjw Gkbs Lw Ubjnn| @bjh cmjywbu(

Mktbvbu. jfwbu lhvbswlhd wmb 79:a j`krhw -lh wmls cjsb 2",. wmb hb}w

lhvbsw`bhw wk ckhslgbu ckrng eb jh LUJ( Tm| jh LUJ. |kr jsa; Ebcjrsb kf wmb

wj} ebhbflws wmjw jh LUJ cjh yukvlgb |kr. kvbu j wujglwlkhjn bzrlw| ku `rwrjn

frhg lhvbsw`bhw wmjw ls `jgb glubcwn| lh wmb `juabw e| |krusbnf ku wmukrdm j

flhjhcljn jgvlsku ku swkca eukabu( Lf lw ls j sbnfglubcwbg LUJ. lw jnsk yukvlgbs

`kub fubbgk` wmjw |kr tkrng hkw nlabn| mjvb tlwm j 79:a( Wmls fubbgk`

lhcnrgbs cmkkslhd tmlcm ck`yjhlbs jhg frhgs wk lhvbsw lh. jhg jnsk tmlcm

lhvbsw`bhw wbcmhlzrbs wk rsb wk mbny dukt |kru jcckrhw jw j yjcb fjswbu wmjh j

w|ylcjn 79:a(

Slhcb wmb wujglwlkhjn LUJ mjs ebbh jukrhg wmb nkhdbsw. L tlnn swjuw tlwm wmjw( J

wujglwlkhjn LUJ jnnkts |kr wk lhvbsw ry wk j cbuwjlh j`krhw kf |kru lhck`b

-cruubhwn| ry wk '3999 jhhrjnn|, lhwk wmb swkca `juabw( Wmls j`krhw wmjw |kr

lhvbsw cjh eb gbgrcwbg fuk` |kru jhhrjn bjuhbg lhck`b. wmbube| ubgrclhd

|kru wj}jenb lhck`b( Jnsk. |kru jcckrhw dukts wj} gbfbuubg( Wmls `bjhs wmjw

|kr gk hkw mjvb wk yj| wj}bs kh |kru djlhs. tmlcm nbjvbs jnn kf |kru djlhs wk




55

ckhwlhrb duktlhd vlj ck`ykrhg lhwbubsw( Lw ls wj}bg khcb |kr `jab j

tlwmgujtjn rsrjnn| jw |kru ubwlub`bhw jdb -cruubhwn| jdb 2< °,(

Wmb Ukwm LUJ ls jhkwmbu lhvbsw`bhw vbmlcnb wmjw jnnkts |kr wk lhvbsw ry wk j

cbuwjlh j`krhw -cruubhwn| ry wk '3999, lhwk wmb swkca `juabw( Rhnlab wmb

wujglwlkhjn LUJ. wmb j`krhw |kr lhvbsw cjhhkw eb gbgrcwbg fuk` |kru jhhrjn

lhck`b( \kr gk hkw mjvb wk yj| wj}bs kh |kru djlhs. tmlcm nbjvbs jnn kf |kru

djlhs wk ckhwlhrb duktlhd vlj ck`ykrhg lhwbubsw( Mktbvbu. khcb |kr mjvb

ubjcmbg ubwlub`bhw jdb. |kru glswulerwlkhs jub wj} fubb(

Ekwm LUJs mjvb ybhjnwlbs fku bjun| tlwmgujtjn kf `khb|( Wmjw ls tm| lw ls sk

l`ykuwjhw wk bswjenlsm j ckhwlhdbhc| frhg yulku wk lhvbswlhd lh jh LUJ( Wmjw

tj|. lf |kr b}ybulbhcb jh rhb}ybcwbg flhjhcljn cmjnnbhdb. srcm js ebck`lhd

rhb`ynk|bg. |kr tlnn hkw mjvb wk tlwmgujt jh| kf |kru LUJ frhgs. jhg lw cjh

ckhwlhrb wk dukt rhjffbcwbg(

Sk. tmlcm LUJ ls ebsw fku |kr; Tbnn. wmjw gbybhgs kh |kru slwrjwlkh( Lf |kr jub

sk`bkhb tmk ktbs wmb dkvbuh`bhw lh wj}bs jw wmb bhg kf bjcm |bju. wmbh |kr

`j| ckhslgbu j wujglwlkhjn LUJ. lh kugbu wk ubgrcb |kru wj}jenb lhck`b(

Mktbvbu. lf |kr jhwlclyjwb wmjw |kr tlnn eb ulcmbu wmjh |kr ckrng bvbu l`jdlhb

e| wmb wl`b |kr ubjcm jdb 2< °. wmbh wmb Ukwm LUJ `j| eb |kru cmksbh

lhvbsw`bhw( Jhg lh `jh| cjsbs. sk`b njglbs mjvb ekwm j wujglwlkhjn LUJ

jcckrhw jhg j Ukwm LUJ jcckrhw(

Wmb l`ykuwjhw wmlhd wk ubjnlb jekrw LUJs ls wmjw |kr `rsw bnbcw mkt |kr tjhw

|kru frhgs wk eb glswulerwbg( Kwmbutlsb. lw tlnn nlabn| slw lh j ejslc `khb|`juabw jcckrhw. jhg |kr tlnn nksb wmb ebhbflw kf ck`ykrhg lhwbubsw. tmlcm ls

tm| |kr nlabn| cmksb jh LUJ js jh lhvbsw`bhw lh wmb flusw ynjcb(




53

\kr cjh sbw ry LUJs tlwm vluwrjnn| jh| eukabu ku lhvbsw`bhw flu` wmjw |kr

cmkksb( Wmb| jub hkw glfflcrnw wk sbw ry( Lh fjcw. |kr cjh bvbh rsb jh khnlhb

eukabu. tmlcm ls tmjw L cmkksb wk gk( Mktbvbu. lf |kru b}ybulbhcb fku wmb

wl`b eblhd ls nl`lwbg. |kr `j| fbbn `kub ck`fkuwjenb dklhd wmukrdm j

flhjhcljn ynjhhbu( Erw ub`bèbu `| swjwb`bhw bjunlbu? hkekg| tlnn tjwcm

|kru `khb| nlab |kr tlnn( Sk. lf |kr dk wmukrdm j flhjhcljn ynjhhbu. ub`bèbu

wmjw lw ls |kru `khb| wmb| jub lhvbswlhd. jhg lf wmb| gk hkw wjab |kru lhyrw

sbulkrsn|. wmbh lw `j| eb wl`b wk `kvb kh wk jhkwmbu flhjhcljn ynjhhbu(

Jnsk. wmbub jub lhck`b nl`lwjwlkhs kh wmbsb w|ybs kf lhvbsw`bhws( Wmb njts

cmjhdb jnn wmb wl`b. sk L ubck``bhg ckhwjcwlhd j flhjhcljn ynjhhbu wk dbw wmb

njwbsw rygjwb kh wmb `j}l`r` j`krhw kf lhck`b |kr cjh bjuh jhg swlnn lhvbsw

lh jh LUJ(

Tkrng |kr nlab wk ahkt mkt wk jccbnbujwb wmb duktwm kf |kru LUJ jcckrhw

tlwmkrw `jalhd jh| jgglwlkhjn ckhwulerwlkhs; Lf |kr jhstbubg |bs. wmbh

tulwlhd ckvbubg cjnns ckrng eb fku |kr( Wmls wbcmhlzrb tkuas tmbh |kr

jnubjg| kth wmb swkca ku BWF -B}cmjhdb Wujgbg Frhg,( Ejslcjnn|. |kr kenldjwb

|kru swkca ku BWF wk j ykwbhwljn er|bu. dlvlhd wmb` wmb kywlkh wk er| lw fuk`

|kr jw j yjuwlcrnju yulcb( Lh ubwruh. wmls ykwbhwljn er|bu yj|s |kr j yub`lr`.

tmlcm dkbs lhwk |kru jcckrhw wmb vbu| hb}w gj|( Tulwlhd ckvbubg cjnns jcwrjnn|

nktbus |kru ulsa vbusrs orsw kthlhd wmb swkca ku BWF ebcjrsb |kr ubcblvb wmb

yub`lr` ubdjugnbss kf tmbwmbu wmb kwmbu lhglvlgrjn er|s |kru swkca ku BWF(

Ybuskhjnn|. L mjvb jvbujdbg j yukflw kf 7" ybu @KHWM kvbu j ybulkg kf wmubb

|bjus rslhd wmls wbcmhlzrb( Wmjw ls :72" yukflw lh wmubb |bjus* Njglbs.ckhslgbu wmb fjcw wmjw `ksw ejhas tkh‛w yj| |kr 7" lhwbubsw ybu |bju. nbw jnkhb

ybu `khwm. jhg wmb ck`yjulskh ebwtbbh |kru wjalhd ckhwukn kf |kru flhjhcljn

frwrub jhg nbwwlhd sk`bkhb bnsb gk lw fku |kr ls yubww| swjddbulhd( B`jln `b

jw LWJWLSwkcasIjkn(ck lf |kr tkrng nlab wk nbjuh `kub jekrw wmls yktbufrn








57

wbcmhlzrb wk dbhbujwb yjsslvb lhck`b( LUJs jub tkhgbufrn jcckrhws lh tmlcm

wk jyyn| wmls wbcmhlzrb ebcjrsb wmb yub`lr`s cjh dukt lh |kru jcckrhw

sreobcw wk wmb sj`b wj} ebhbflws js |kru kuldlhjn lhvbsw`bhw cjylwjn(




52

= Wurb+Fjnsb – Ck``kh @|wms Jekrw Wmb Swkca

@juabw

Lh `| vjulkrs ckhvbusjwlkhs tlwm bvbu|gj| ybkynb. L mjvb glsckvbubg wmjw

wmbub jub `jh| `lsckhcbywlkhs jekrw wmb swkca `juabw( Lh kugbu wk dukt. L

ebnlbvb lh wmb l`ykuwjhcb kf eblhd kybh wk nbjuhlhd hbt wmlhds( Sk. khcb L

glsckvbu wmjw tmjw L rsbg wk wmlha jekrw sk`bwmlhd ls ejsbg kh lhsrfflclbhw

lhfku`jwlkh. L kybh ry wk j hbt ybusybcwlvb jhg ebnlbf(

Jhg L wmlha lw ls l`ykuwjhw wk yklhw krw sk`b kf wmbsb `lsckhcbywlkhs. ebcjrsb

tmjw L nlsw ebnkt jub sk`b b}j`ynbs kf mkt sk`b ybkynb jnnkt wmblu `lhg wk

wjab wmb` krw kf wmb dj`b( Tmjw gk L bjh e| wmjw; Tbnn. tmlnb kru `lhg cjheb b}wub`bn| yktbufrn. lws gbslub fku sbcrulw| jhg ubslswjhcb wk cmjhdb cjh

jnsk abby rs fuk` swbyylhd krw kf wmb ek} wk jcck`ynlsm kru dkjns jhg

gubj`s(

@|wms

Lw wjabs j nkw kf `khb| wk swjuw lhvbswlhd

L mbju wmls khb j nkw( @jh| ybkynb ebnlbvb wmjw lw wjabs sbvbujn wmkrsjhgs kf

gknnjus wk ebdlh lhvbswlhd ku wujglhd lh wmb swkca `juabw( Wurwm eb wkng. L tlnn

smkt |kr mkt |kr cjh dbw swjuwbg yrucmjslhd swkca jhg bvbh wujglhd swkca

kywlkhs fku '299 ku nbss( L tlnn smkt |kr ubskrucbs |kr cjh rsb wk dbw swjuwbg

jhjn|lhd swkcas fku FUBB( L tlnn jnsk smkt |kr jh khnlhb eukabu tbeslwb

tmbub |kr cjh wujgb fku `lhl`jn ck``lsslkhs jhg HK ubzrlubg `lhl`r`

jcckrhw ejnjhcbs( Jnn |kr mjvb wk gk ls sbhg `b jh b`jln wk

LWJWLSwkcasIjkn(ck (

Wujglhd lh wmb swkca `juabw ls wkk ulsa|

L mbju wmls khb JNN wmb wl`b. bsybcljnn| fuk` fknas tmk mjg `khb| lh wmb

`juabws lh 5999 jfwbu wmb gkw ck` ersw ku lh wmb fjnn kf 599=( Jhg L tjs khb kf

wmb`( L nksw `khb| lh wmb `juabws grulhd ekwm kf wmbsb ybulkgs wkk( Erw. wmb







56

`ksw l`ykuwjhw swby L mjg wk wjab tjs wk gbwbu`lhb mkt L ckrng hkw ubybjw wmb

sj`b `lswjab jdjlh( L mjg wk wjab sk`b ubsykhslelnlw| fku `| slwrjwlkh. sk wmjw

L ckrng nbjuh fuk` lw jhg `jab tlsbu flhjhcljn cmklcbs lh wmb frwrub( Sk`bwmlhd

lh `b sjlg wmjw L ckrng swlnn `jab `khb| lh wmb swkca `juabw. JHG wmjw wmb ab|

wk gklhd sk tjs wujlhlhd( Lhgbbg tmjw L nbjuhbg fuk` wujlhlhd tlwm `| `bhwku

ebwtbbh 5999 jhg 599= mbnybg `b wk gbjn tlwm wmb sreswjhwljn gukys lh wmb

`juabw wmjw kccruubg lh wmb fjnn kf 599=(

Ulsa `jhjdb`bhw ls b}wub`bn| l`ykuwjhw tmbh lhvbswlhd lh jh| erslhbss(

Wmjw lhcnrgbs ubjn bswjwb. jh| wujglwlkhjn erslhbss vbhwrub srcm js j ubswjrujhw

ku cnkwmlhd swkub. jhg wmb swkca `juabw( L cjhhkw swubss bhkrdm wmb

l`ykuwjhcb kf mjvlhd j cnbjun| gbflhbg b}lw yklhw EBFKUB |kr bvbh bhwbu j

wujgb( Jhg khcb |kr sbnbcw wmls b}lw yklhw. fknnkt lw( Gkh‛w `jab wmb #:

`lswjab kf j`jwbru lhvbswkus – gkh‛w eb urnbg e| |kru b`kwlkhs( Lhvbsw jhg

wujgb ejsbg kh j yukvbh s|swb`( Wmls ls mkt |kr tlnn yukwbcw |kru lhvbsw`bhw(

Wmls ls mkt |kr tlnn nlvb wk lhvbsw jhg wujgb jhkwmbu gj|(

Wujglhd ku lhvbswlhd lh wmb swkca `juabw ls nlab djènlhd

Sk`b ybkynb ebnlbvb wmjw wujglhd lh wmb swkca `juabw ls nlab djènlhd( Wurwm

eb wkng. wujglhd lh wmb swkca `juabw ls khn| nlab djènlhd tmbh |kr gk hkw rsb

j s|swb`jwlc jyyukjcm( Sk fku `ksw ybkynb. L j` sjg wk sj|. lw ls hkw `bubn|

„nlab‐ djènlhd…lw LS djènlhd* Khn| wmls wl`b. |kru ubwlub`bhw ku fj`ln|‛s

frwrub ls kh wmb nlhb. hkw orsw wmb cje fjub. wk wjab |kr fuk` wmb cjslhk ejca wk

|kru mkwbn lh Vbdjs( Wmls rsbg wk eb wmb cjsb fku `b tmbh L mjg vbu| nlwwnb

ahktnbgdb jekrw wmb swkca `juabw jhg jnn L mjg tjs `| 79:a( Hkt wmjw L wujgb

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kf |kr tmk gk hkw tjhw wk wujgb. erw swlnn tjhw wk eb jenb wk `khlwku wmb frhgs

|kr sbnbcw lh |kru 79:a. wmbh wmls s|swb` tlnn tkua fku |kr wkk(




54

\kr mjvb wk eb dkkg jw `jwm wk wujgb lh wmb swkca `juabw

Wmb ab| wk wujglhd srccbssfrnn| lh wmb swkca `juabw ls rslhd j yukvbh s|swb`(

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lh wmb `juabws. mjs gbvbnkybg j yukvbh wujglhd s|swb`( Wmls ls wmb s|swb` L

tlnn smkt |kr lf |kr cmkksb `b js |kru ckjcm( \bs. jhjn|lhd swkcas rslhd

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tmlcm jhstbus wmb hbcbssju| zrbswlkhs tlwm cnbjun| gbflhbg swbys( Wmb

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tbnn js |kru bhwu| jhg b}lw yklhws kf wmb wujgb(

\kr mjvb wk eb vbu| s`juw wk wujgb lh wmb swkca `juabw

L mjvb fkrhg wmjw wmb `kub fku`jn bgrcjwlkh |kr mjvb. wmb mjugbu lw ls wk eb

srccbssfrn lh wmb swkca `juabw( @ksw ybkynb tlwm j nkw kf fku`jn bgrcjwlkh

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ls hkw wmbub( Wmb| wmlha wmb| cjh krws`juw wmb `juabw( Tbnn. wmb swkca `juabw

gkbs hkw cjub tmjw |kr wmlha( \kr mjvb wk nbw dk kf |kru swjwrs( Jhg zrlwb

fujhan|. wmb fknas tmk gk hkw mjvb j nkw kf fku`jn bgrcjwlkh wbhg wk eb `ksw

srccbssfrn jw wujglhd lh wmb `juabws rslhd wmls wujglhd s|swb`. ebcjrsb wmb|

jub nbss nlabn| wk mjvb swjwrs lssrbs( Khcb |kr swjuw eblhd srccbssfrn rslhd wmls

wujglhd s|swb`. wmb gj| |kr swjuw wk ebnlbvb wmjw lw ls jekrw |kr ls wmb gj| |kr

swjuw j nkslhd swubja kf wujgbs( L ahkt sk ebcjrsb L mjvb gkhb sk( Erw wmb dkkg

hbts ls L mjvb slhcb ebbh ubsruubcwbg. jhg L j` mbub wk smjub `| swkulbs jhg

tmjw L mjvb nbjuhbg fuk` `| b}ybulbhcbs( Njglbs. wmls ls j dubjw b`yktbulhd

ck``rhlw| kf tmlcm wk eb j yjuw(

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Khcb jdjlh. wmb swkca `juabw gkbs hkw cjub tmjw |kr wmlha( Lw ls dklhd wk gk




5=

tmjw lw ls dklhd wk gk( Wmb ab| ls wk nbjuh glffbubhw swujwbdlbs sk wmjw |kr cjh

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\kr `rsw eb wlbg wk j yjdbu

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|kru wl`b gklhd kwmbu wmlhds jhg nlvlhd |kru nlfb( Wmls ls wmb tj| wk dbhbujwb

yjsslvb lhck`b. lhck`b wmjw fnkts wk |kr tlwmkrw mjvlhd wk eb ym|slcjnn|

yubsbhw(

\kr cjh khn| `jab `khb| tmbh wmb swkca yulcb dkbs ry

Wmls ls khb kf wmb `ksw ck``kh `|wms kf jnn( @ksw ybkynb ebnlbvb wmjw |kr cjh

khn| `jab `khb| tmbh wmb swkca dkbs ry( L j` mbub wk wbnn |kr wmjw |kr cjh

jnsk `jab `khb| tmbh wmb swkca dkbs gkth. ku tmbh wmb swkca swj|s wmb

sj`b. ku `kvbs slgbtj|s( L mjvb gkhb jnn wmubb(






39

cnlè snktn|. erw tmbh wmb| fjnn. `jh| wl`bs wmb| fjnn @RCM zrlcabu wmjh wmb|

ulsb(

Njglbs. wujglhd ejsbg kh b`kwlkh tlnn cjrsb |kr wk nksb `khb|( Lw tlnn cjrsb

|kr wk bhwbu lhwk j wujgb ku b}lw j wujgb jw wmb tukhd wl`b( Mkt `jh| wl`bs

mjvb |kr ekrdmw j swkca ebcjrsb bvbu|khb bnsb tjs b}clwbg jekrw lw; Jhg

wmb ubjskh bvbu|khb bnsb tjs b}clwbg ls wmjw wmb swkca yulcb mjg ebbh dklhd

ry( Sk. tmjw gk |kr gk; \kr er|…(|kr er|…(|kr er|…(jw wmb TUKHD

wl`b( \kr mjvb `lssbg wmb wujlh( Srccbssfrn wujgbus gk hkw urh jfwbu wmb wujlh(

Wmb| tjlw fku wmb hb}w khb( Fbju wbnns |kr tmjw; Wmjw wmls ls wmb khb jhg khn|

wujlh jhg wmbub tlnn hkw eb jhkwmbu khb( Wmbub ls hkw bhkrdm dkkg wk dk

jukrhg. sk L `rsw cmjsb jfwbu wmls swkca. ebcjrsb lw ls wmb khn| khb wmjw cjh

yksslen| `jab b jh| `khb|( Uldmw; Tbnn. lw ls wmbsb wmkrdmws kf njca jhg

nl`lwjwlkh wmjw lhfnrbhcb |kru ebnlbfs. tmlcm lhfnrbhcb |kru jcwlkhs. tmlcm tlnn

nlabn| dbw |kr lhwk wukrenb JHG `jab lw `kub glfflcrnw fku |kr wk `jab `khb|

lh wmb swkca `juabw( Wl`lhd ls bvbu|wmlhd…wl`lhd ls bvbu|wmlhd…wl`lhd ls

bvbu|wmlhd(

Er| nkt jhg sbnn mldm ls wmb frhgj`bhwjn yulhclynb wmjw tlnn abby |kr

srccbssfrn lh wmb `juabw nkhd wbu`( \bw wmls dkbs jdjlhsw mr`jh hjwrub.

ebcjrsb `ksw fknas tmk wujgb ejsbg kh b`kwlkh mjvb lw ejcatjugs( Wmb| er|

mldm jhg sbnn nkt( Hkt. abby lh `lhg. wmls gkbs hkw `bjh wmjw |kr smkrng nbw j

nkslhd wujgb ckhwlhrb sylujnlhd gkth krw kf ckhwukn ebcjrsb |kr gk hkw tjhw wk

sbnn nkt( \kr mjvb wk eb tlsb jekrw |kru wujglhd. tmlcm lhcnrgbs yujcwlclhd

ulsa `jhjdb`bhw( Ebfkub |kr bhwbubg wmb wujgb. |kr smkrng ahkt |kru

ckhglwlkhs fku b}lwlhd wmb wujgb( Tmjw ls |kru yukflw dkjn; :9"; 59"; :99"; Jhg jnsk tmjw ls wmb `j}l`r` j`krhw |kr jub tlnnlhd wk ulsa. ku nksb. ebfkub

ubjnllhd wmjw |kr `jgb wmb tukhd cmklcb. sbnn lw. nbw lw dk jhg `kvb kh(




3:

Wmb ab| wk srccbssfrn wujglhd ls wk kesbuvb tmjw wmb swkca `juabw ls smktlhd

|kr jhg cmkksb |kru wujglhd s|swb` ku swujwbd| jcckuglhdn|( Lf wmb `juabw ls

ernnlsm. wmbh |kr rsb j ernnlsm swujwbd|( Lf wmb `juabw ls ebjulsm. wmbh |kr rsb

j ebjulsm swujwbd|( Jhg \BS. wmbub ls j tj| wk `jab `khb| tmbh wmb swkca

yulcb gukys( L‛vb gkhb lw( Lh fjcw. L wbhg wk `jab khb| zrlcabu lh j ebjulsm

`juabw ebcjrsb js L orsw sjlg j fbt `k`bhws jdk. „wmb ernn dkbs ry wmb swjlus.

jhg wmb ebju dkbs krw wmb tlhgkt(‐ Jhg lf wmb `juabw ls hbrwujn ku `kvlhd

slgbtj|s. bssbhwljnn| swj|lhd wmb sj`b. L rsb j hbrwujn swujwbd|( Lf |kr wu| wk

ubjg sk`bwmlhd bnsb lhwk wmb swkca `juabw ku wu| wk dbw lw wk smkt |kr tmjw |kr

tjhw wk sbb. wmbh |kr jub dklhd wk mjvb j glfflcrnw wl`b lhvbswlhd ku wujglhd

srccbssfrnn| lh wmb swkca `juabw( Orsw kesbuvb. jhg ubsykhg…ejsbg kh j

swujwbd| wmjw |kr fknnkt ubdjugnbss kf mkt |kr fbbn kh wmjw gj|(

Wmls eulhds `b wk yukejen| wmb `ksw l`ykuwjhw wkylc lh wmls cmjywbu…ulsa

`jhjdb`bhw( Sykuws fjhs. mjvb |kr bvbu mbjug wmb sj|lhd. „Kffbhsb tlhs

dj`bs. erw gbfbhsb tlhs cmj`ylkhsmlys;‐ Tbnn. ulsa `jhjdb`bhw ls nlab wmb

gbfbhsb kf |kru lhvbsw`bhw ynjh( Lf |kr tjhw wk nlvb wk wujgb jhkwmbu gj| jhg

swj| lh wmb swkca `juabw nkhd wbu` e| yukwbcwlhd |kru lhvbsw`bhw cjylwjn. wmbh

|kr `rsw mjvb j swujwbd| fku ulsa `jhjdb`bhw( Tmbh L wjna jekrw wmb swkca

`juabw. khb kf wmb `ksw ck``kh swjwb`bhws L mbju fuk` ybkynb ls wmjw wmb

swkca `juabw ls wkk ulsa| fku wmb`( Jhg gk hkw bvbh dbw `b swjuwbg kh tmjw

mjyybhs tmbh L `bhwlkh swkca kywlkhs( Wmbh. fknas ubjnn| swjuw wk culhdb(

Rsrjnn| L ubsykhg e| jsalhd wmb` j sl`ynb zrbswlkh. „Ls j stl``lhd ykkn

ulsa|;‐ Sk`b jhstbu |bs. jhg sk`b jhstbu hk( Sk L sj| wk wmb`. lf |kr jsa

sk`bkhb tmk mjs hbvbu stj` ebfkub wmls zrbswlkh. wmb| tlnn nlabn| sj|. „|bs.

j stl``lhd ykkn ls gbflhlwbn| ulsa|(‐ Mktbvbu. lf |kr jsa jh Kn|`ylc dkng`bgjn stl``bu wmls sj`b zrbswlkh. L‛nn ebw |kr‛g dbw j glffbubhw jhstbu( Fku

jh Kn|`ylc dkng `bgjn stl``bu. wmb ulsa ls `lhl`jn( Hkwlcb. L glg hkw sj| lw

tbhw jtj|. L orsw sjlg lw ls `lhl`jn( Wmb khn| glffbubhcb ebwtbbh wmb wtk




35

ubsykhsbs ls wmb j`krhw kf wujlhlhd jhg b}ybulbhcb bjcm ybuskh mjs

stl``lhd lh stl``lhd ykkns(

Wmb sj`b dkbs fku wujglhd swkca jhg swkca kywlkhs( Wmb ulsa kf swkca jhg swkca

kywlkhs ls glffbubhw gbybhglhd kh wmb j`krhw kf wujlhlhd jhg b}ybulbhcb bjcm

ybuskh mjs wujglhd( L tjhw wk ublwbujwb jdjlh wmb l`ykuwjhcb kf mjvlhd j

cnbjun| gbflhbg b}lw yklhw ebfkub |kr bvbh bhwbu j wujgb( @ksw lhb}ybulbhcbg

lhvbswkus orsw or`y lh wk wmb juabw tlwm hk wujlhlhd tmjwskbvbu( Wmb| wursw

bvbu|ekg| bnsb wk wbnn wmb` tmjw wk gk tlwm wmblu `khb|( Jhg wmbh wmb| tjhw

wk ynj| wmb enj`b dj`b tmbh wmb| nksb lw( Lw ls jntj|s sk`bekg| bnsb‛s fjrnw

erw hkw wmblu kth( Wjalhd ubsykhslelnlw| ls khb kf wmb `ksw l`ykuwjhw

cmjujcwbulswlcs wk mjvb lf |kr tjhw wk ubjcm |kru flhjhcljn dkjns( Jhg ebslgbs.

hkekg| tlnn tjwcm |kru `khb| nlab |kr tlnn( Lw ls wl`b wk wjab ckhwukn lf |kr

mjvb hkw jnubjg|( Hkekg| ls ybufbcw. tb jnn `jab lswjabs( Erw wjalhd

ubsykhslelnlw| fku tmjw |kr mjvb gkhb wk mbny ckhwulerwb wk |kru slwrjwlkh ls

wmb zrlcabsw tj| wk nbjuh fuk` lw. dukt. jhg hkw ubybjw wmb sj`b `lswjab

jdjlh( L ebnlbvb lw ls l`ykuwjhw wk eubja krw kf wmbsb c|cnbs. nlab wmb mj`swbu

urhhlhd lh wmb tmbbn jhg dklhd hktmbub(

Sybjalhd kf c|cnbs. srccbssfrn lhvbswkus rhgbuswjhg wmjw wmb swkca `juabw mjs

c|cnbs( Wmb yulcb kf j swkca tlnn hkw dk ry fkubvbu( Jw sk`b yklhw. lw tlnn ck`b

gkth( Tm|; Tbnn. wmlha jekrw lw wmls tj|( Tmbh sk`bkhb gbclgbs wk er| j

swkca. wmb| mkyb wk `jab `khb|( Jhg lh kugbu wk `jab wmjw `khb|. jw sk`b

yklhw. wmb| `rsw sbnn wmb swkca lh kugbu wk wjab wmblu yukflw( Er|lhd j swkca tlnn

gulvb wmb yulcb kf wmjw swkca ry( Jhg kh wmb ckhwuju|. sbnnlhd wmb swkca tlnn

gulvb wmb yulcb kf wmjw swkca gkth( Lw‛s bckhk`lcs( Tmbh |kr mbju kh wmbhbts wmjw wmb Gkt Okhbs Lhgrswuljn. ku wmb HJSGJZ. ku wmb Hbt \kua Swkca

B}cmjhdb ls ry sk `jh| yklhws fku wmb gj|. lw `bjhs wmjw wmbub tjs j nkw kf

er|lhd dklhd kh. `kub sk wmjh sbnnlhd( Ybkynb tbub er|lhd swkca. fku

tmjwbvbu ubjskh. `ksw nlabn| sk`bwmlhd b`kwlkhjnn| ejsbg( Kh wmb ckhwuju|.




33

tmbh |kr mbju wmjw wmksb lhgb}bs tbub gkth sk `jh| yklhws. lw `bjhs wmjw

wmbub tjs j nkw kf sbnnlhd dklhd kh. `kub sk wmjh er|lhd( Ybkynb tbub sbnnlhd

swkca. `ksw nlabn| blwmbu wjalhd wmblu yukflws. ku crwwlhd wmblu nkssbs(

Wmbsb c|cnbs jub ahkth js „yulcb jhg ckhsknlgjwlkh(‐ Jhg khcb |kr

rhgbuswjhg wmls ckhcbyw. |kr tlnn hk nkhdbu tkuu| tmbh wmb swkca yulcb dkbs

ry khb gj| jhg wmbh gkth wmb hb}w( \kr tlnn rhgbuswjhg wmjw lw ls j yjuw kf wmb

dj`b wmjw abbys wmb swkca `juabw lh b}lswbhcb( \kr tlnn sbb tmjw ls dklhd kh.

jhg |kr tlnn eb jenb wk gbwbu`lhb tmbh ls wmb kywl`jn wl`b wk bhwbu j wujgb.

jhg tmbh ls wmb kywl`jn wl`b wk b}lw j wujgb(

Njglbs. lf |kr tjhw wk ebck`b jh b}cnrslvb `bèbu kf j flhjhcljnn|

bhnldmwbhbg ck``rhlw| kf tk`bh. wmbh guky `b jh b`jln jw

LWJWLSwkcasIjkn(ck ( L rsrjnn| ubsykhg tlwmlh 57 wk 7= mkrus(









32

|kr mjg j wujglhd s|swb` wmjw ckrng gk wmjw. wmbh wmjw ybuskh tkrng JNTJ\S

er| jw wmb uldmw wl`b jhg JNTJ\S sbnn jw wmb uldmw wl`b( Wmjw ybuskh tkrng gk

BVBU\WMLHD jw wmb uldmw wl`b( Wmbub ls hkekg| wmjw ls uldmw JNN kf wmb wl`b(

Wmls wjabs `b ejca wk wmb l`ykuwjhcb kf ulsa `jhjdb`bhw( Tmbh lw ck`bs wk

lhvbswlhd lh jh|wmlhd. tmbwmbu lw eb ubjn bswjwb. j wujglwlkhjn erslhbss nlab j

ubswjrujhw ku cnkwmlhd swkub. ku wmb swkca `juabw. lw ls jesknrwbn| culwlcjn wmjw

|kr ahkt |kru b}lw yklhw EBFKUB |kr dbw lh wk wmb lhvbsw`bhw( Bvbu| wl`b

sk`bekg| wbnns `b wmblu ske swku| kf mkt wmb| nksw j nkw kf `khb| lh wmb swkca

`juabw. L jntj|s ubsykhg tlwm wmb sj`b zrbswlkh. „Tmjw tjs |kru b}lw yklhw;‐

Jhg lhvjuljen|. <9 ybucbhw kf wmb wl`b wmb| wbnn `b wmb| glg hkw mjvb jh b}lw

yklhw( Jhg wmb kwmbu :9 ybucbhw wbnn `b wmb| mjg jh b}lw yklhw. erw wmb| glg hkw

fknnkt lw( Wmb| fldrubg wmb| tkrng orsw nbw lw ulgb. wmlhalhd lw tkrng ck`b ejca

jdjlh( Tbnn. lw ukgb jnuldmw…uldmw gkth wk „eukab(‐ Sk. tmksb f jrnw ls lw wmjw

|kr nksw j nkw kf `khb| lh wmb `juabw; \kr `rsw wjab ubsykhslelnlw| fku |kru

flhjhcljn ubsrnws. ku njca wmbub kf(

Sk. L tjhw wk smkt |kr jh b}j`ynb mbub( EBFKUB L bhwbu j wujgb. L gbclgb wmjw

`| `j}l`r` ulsa ls 59"( Wujgb #: – L nksb 59" jhg b}lw wk crw `| nkssbs(

Wujgb #5 – L nksb 59" jhg b}lw wk crw `| nkssbs( Wujgb #3 – L djlh :99" jhg

b}lw wk wjab | yukflw( Nbw rs nkka jw wmls scbhjulk kub gbbyn|( Wujgb : – nksb

`khb|1 L `jgb wmb tukhd cmklcb( Wujgb 5 – nksb `khb|1 L `jgb wmb tukhd

cmklcb( Wujgb 3 – `jab `khb|1 L `jgb wmb uldmw cmklcb( Hkt. tmbh |kr nkka

jw wmb kvbujnn ybufku`jhcb. L mjvb `jgb 69" -:99" 59" 59",( Mktbvbu. L

mjvb `jgb wtk tukhd cmklcbs js ck`yjubg wk khb uldmw cmklcb( Tmjw ls `|

yklhw; \kr cjh eb uldmw. ku |kr cjh eb ulcm( Lw ls |kru cmklcb( L wbnn |kr khbwmlhd. lf |kru cmklcb ls wk eb uldmw. wmbh |kr tkrng mjvb nlabn| nksw `kub wmjh

orsw |kru 59". tjlwlhd fku wmb swkca wk wruh jukrhg( Wmb nkhd wbu` ubsrnw ls wmjw

|kr tlnn eb eukab( \kr tlnn hkw njsw lh jh| lhvbsw`bhw tlwm wmjw swujwbd|. nbw

jnkhb wmb swkca `juabw(




36

Sk. ejca wk wmb kuldlhjn zrbswlkh kf „mkt `rcm `khb| mjvb L nksw lh wmb swkca

`juabw rslhd wmb wujglhd s|swb` L wbjcm(‐ Tbnn. wmb jhstbu ls L mjvb nksw nbss

wmjh tmjw L mjvb `jgb( Rnwl`jwbn|. L cjh eb uldmw. ku L cjh eb ulcm( Jhg L

cmkksb ulcm( Tmjw ls |kru cmklcb;




34

:: BWFs ku @rwrjn Frhgs? Tmlcm Khb ls Uldmw Fku

\kr;

Glvbuslf|. glvbuslf|. glvbuslf|( Mkt `jh| kf |kr mjvb mbjug wmjw

ubck``bhgjwlkh ebfkub; Tbnn. lf |kr ahkt jh|wmlhd jw jnn jekrw „sjvlhd‐ fku

ubwlub`bhw. wmbh wmb jhstbu wk wmjw zrbswlkh ls ksw nlabn| „|bs(‐ Ry rhwln

ubcbhwn|. `rwrjn frhgs tbub wmb ubck``bhgbg lhvbsw`bhw vbmlcnb fku j nkhd

wbu` flhjhcljn ynjh tmbub |kr gbslubg wk ubgrcb |kru ulsa e| syubjglhd wmb

lhvbsw`bhw jcukss sbvbujn ck`yjhlbs lh khb smjub(

Hkt. wmbub ls wmb BWF( Tmjw ls jh BWF; Tbnn. lw‛s jh jcukh|` wmjw swjhgs fku

B}cmjhdb Wujgbg Frhg( Jhg lw‛s ejslcjnn| jh lhvbsw`bhw vbmlcnb tmlcm jnnkts|kr wk lhvbsw lh sbvbujn glffbubhw ck`yjhlbs tlwm bjcm smjub |kr yrucmjsb(

Khb kf wmb `joku jgvjhwjdbs kf BWFs ls wmjw wmb| ykssbss wmb sj`b

cmjujcwbulswlcs js lhglvlgrjn swkcas( Ejslcjnn|. wmb| wujgb nlab swkcas. cjh eb

jhjn|bg nlab swkcas. jhg jub nlzrlg nlab swkcas( Tmbh |kr lhvbsw lh j `rwrjn

frhg. jhg |kr tjhw wk sbnn sk`b kf |kru `rwrjn frhg smjubs. lw `j| wjab js nkhd

js j tbba ku nkhdbu ebfkub |kr ubcblvb |kru cmbca( Fku BWFs. wmls wl`b ls

`rcm smkuwbu(




3=

:5 Mkt Tkrng \kr Nlab Wk Yj| @| @kuwdjdb;

Wmb kwmbu gj| L mjg jh lhwbubswlhd ckhvbusjwlkh tlwm jh jczrjlhwjhcb( Smb

wkng `b wmjw smb mjs „lssrbs‐ tlwm kthlhd yukybuw|( Hkt. tmbh smb wkng `b

wmls. L jg`lw wmjw L tjs crulkrs jekrw mbu swjwb`bhw( L glg hkw tjhw wk eb hksb|.

erw L fldrubg L tkrng jsa mbu wk bnjekujwb jh|tj|( „Tmjw alhg kf lssrbs;‐ L

jsabg( Jhg wk `| j`jb`bhw. smb ckrng hkw bnjekujwb jh| fruwmbu wmjh wmjw(

Jnn smb ckrng sj| tjs wmjw smb mjg ybuskhjn kylhlkhs jekrw tm| smb gkbs hkw

ebnlbvb lh kthlhd yukybuw|( Sk. fldrulhd wmb ub`kwb yksslelnlw| wmjw wmls

tk`jh lh mbu njwb 39s `ldmw mjvb mlw j swubja kf ejg nrca jhg e| cmjhcb tjs

nlvlhd jw mk`b tlwm mbu yjubhws. L jsabg mbu „tbnn. slhcb |kr gk hkw kth

yukybuw|. gk |kr ubhw;‐ jhg smb sjlg „|bs(‐ Lh fjcw. smb tbhw kh wk sj| wmjwslhcb smb ckrng hkw jffkug wk kth tmjw smb ubjnn| tjhwbg. wmjw smb tkrng

ujwmbu orsw ubhw(

Sk. L l``bgljwbn| kffbubg `| dujwlwrgb wktjugs mbu fku sbwwlhd srcm j flhb

b}j`ynb kf alhghbss( Lh fjcw. `| tkugs wk mbu tbub js fknnkts? „kh ebmjnf kf

wmb ubjn bswjwb lhvbswkus krw wmbub. `|sbnf lhcnrgbg. tmk kth ubhwjn yukybuw|. L

tjhw wk wmjha |kr fku eblhd sk. sk dbhbukrs(‐ Jhg smb sj|s wk `b. „Tbnn.

tmjw gk |kr `bjh;‐ Jhg L wkng mbu. |kr sj| |kr mjvb ybuskhjn lssrbs tlwm

kthlhd yukybuw|. |bw. |kr jub `kub wmjh tlnnlhd wk er| sk`bekg| bnsb‛s

yukybuw| fku wmb`( Js smb nkkabg jw `b swlnn ckhfrsbg. L b}ynjlhbg fruwmbu

„tmbh |kr ubhw. |kr jub ejslcjnn| yj|lhd sk`bekg| bnsb‛s `kuwdjdb fku

wmb`( Sk. tmbh \KR jub gkhb yj|lhd kff sk`bekg| bnsb‛s `kuwdjdb. wmb| jub

wmb khbs tmk kth wmb yukybuw|. hkw |kr(‐

Wmb ekwwk` nlhb…ybkynb ubhw yukybuw| fku `jh| glffbubhw ubjskhs( Jhg L j`

hkw mbub wk orgdb jh|ekg|‛s ubjskhs fku gklhd jh|wmlhd( Wmb khn| zrbswlkh L

jsa wk wmksb tmk cmkksb wk ubhw ls wmls? „lh |kru slwrjwlkh. gkbs ubhwlhd `jab

flhjhcljn sbhsb;‐




3<

:3 Ejnjhclhd Sylulwrjnlw| Jhg Flhjhcljn Yuksybulw|

L mjvb mbjug `jh| fknas wbnn `b wmjw wmb| cjh hkw eb tbjnwm| ebcjrsb wmblu

sylulwrjn ebnlbfs jub wkk l`ykuwjhw( L jntj|s scujwcm `| mbjg jw wmls khb( Tm|;

Ebcjrsb L ahkt lw ls yksslenb wk eb ekwm sylulwrjn jhg tbjnwm|( Tmbh L sj|

sylulwrjn. L j` hkw wjnalhd jekrw jh| sybclflc ubnldlkh mbub( L j` wjnalhd jekrw j

ebnlbf s|swb` lh sk`bwmlhd dubjwbu wmjh mr`jhalhg( Sk`b ybkynb ubfbu wk

wmls fkucb js Sylulw. Cubjwku. Rhlvbusb. Dkg. Jnnjm. NkvbLhwbnnldbhcb. jhg sk

kh( Tmjw |kr cjnn lw gkbs hkw `jwwbu( Tmjw gkbs `jwwbu ls tmjw w|yb kf Dkg gk

|kr ebnlbvb lh; L ebnlbvb lh j Dkg kf jerhgjhcb(

L j` srub |kr mjvb mbjug kf @jmjw`j Dmjhgl. j sylulwrjn jgvlsku tmk jgvlsbgwmjw tb smkrng jnn nlvb sl`yn| sk wmjw sk`b `j| sl`yn| nlvb( Hkt. L gkh‛w ahkt

jekrw |kr. erw wmls gkbs hkw skrhg nlab j yulhclynb ubck``bhglhd flhjhcljn

fubbgk`. jerhgjhcb. jhg yuksybulw|( Lhgbbg. |kr `j| mjvb mbjug wmls

swjwb`bhw ebfkub. erw L‛nn ebw wmjw `ksw kf |kr mjvb hbvbu mbjug wmb fnly slgb wk

Dmjhgl‛s swjwb`bhw( Jhg lh fjcw. lw tjs jh Lhgljh lhgrswuljnlsw. tmk rykh

gkhjwlhd `lnnlkhs kf gknnjus wk Dmjhgl‛s cjrsbs. swjwbg „Lw cksw `b j fkuwrhb wk

abby Dmjhgl sl`ynb(‐

Hkt. tmjw ls wmb yklhw kf wmls swku|; Nkvb ls jh jcwlkh( Jhg `khb| ls khb kf

wmb `bglr`s e| tmlcm nkvb cjh eb b}yubssbg( Dlvlhd `khb| wk glffbubhw

cmjulwjenb kudjhljwlkhs. ku bgrcjwlkhjn lhswlwrwlkhs. ku wk sk`bkhb tmk ls lh

hbbg ls jh jcw kf nkvb(

@jh| ybkynb ebnlbvb wmjw |kr mjvb wk `jab j cmklcb ebwtbbh flhjhcljn

yuksybulw| jhg sylulwrjnlw|. jhg wmjw |kr cjh hkw mjvb ekwm( Jhg fku wmksb tmk

ebnlbvb wmjw. L mjvb wmls wk sj|( @ksw kf |kr yukejen| dk wk cmrucm; Jhg

ynbjsb gk hkw `lsrhgbuswjhg `b. js L gk hkw ebnlbvb wmbub ls jh|wmlhd tukhd

tlwm dklhd wk cmrucm( L orsw mjvb khb zrbswlkh fku |kr wmkrdm( Tmbub glg wmb

`khb| wk erlng |kru cmrucm ck`b fuk`; Nbw‛s sj| lw cksw ':99.999. fku




79

b}j`ynb. wk erlng |kru cmrucm( Tbnn. wmjw `khb| mjg wk ck`b fuk`

sk`btmbub( Jhg lf |kr wmlha jekrw lw. lf sk`bkhb. ku bvbh j dukry kf ybkynb

srcm js j ckhdubdjwlkh. wlwmbg :9" wk juulvb jw j gkhjwlkh kf ':99.999. wmbh

wmb| mjg wk mjvb `jgb ': lnnlkh lh kugbu wk dlvb jtj| ':99.999( Jhg bvbh lf

sk`bkhb cmksb wk dlvb jtj| `kub wmjh :9". L gk hkw ahkt jh|ekg| tmk

dlvbs jtj| `khb| tmbh wmb| mjvb hk fkkg wk bjw. cnkwmbs kh wmblu ejca. ku

smbnwbu( \kr mjvb wk mjvb `khb| wk jw nbjsw `bbw |kru ejslc hbbgs ebfkub |kr

jub jenb wk dlvb sk`b kf lw jtj|( Sbnfnkvb ls l`ykuwjhw mbub. ebcjrsb |kr

cjhhkw dlvb sk`bwmlhd wk sk`bekg| bnsb rhwln |kr mjvb flusw dlvbh lw wk

|krusbnf (

Wmls jnsk ub`lhgs `b kf `| kth ryeulhdlhd lh vjulkrs cmrucmbs( L ubcjnn wmb

wmb`b eblhd yubjcmbg wmjw |kr cjh hkw eb ulcm jhg ebnlbvb lh Dkg( Wmls

ebnlbf ls lh jhg kf lwsbnf sbnfgbswurcwlvb wk cmrucmbs( Tm|; Ebcjrsb tmbwmbu

|kr jub jtjub kf lw ku hkw. tb jub jnn cubjwlhd kru ubjnlwlbs fuk` wmb wmkrdmws

tb wmlha. blwmbu ckhsclkrsn| ku sreckhsclkrsn|( Jhg ebcjrsb `jh| fknas

cmkksb hkw wk sbba wmblu kth wurwm jhg lhwbuyubwjwlkh kf sylulwrjn yulhclynbs.

wmb| jub ckhwbhw wk wjab kh wmb `bjhlhd jhg lhwbuyubwjwlkh wmjw wmblu sylulwrjn

glubcwku ykuwuj|s(

Lhgbbg. lw ls wmls flhjhcljnn| nl`lwlhd jhg sbnfgbswurcwlvb ebnlbf wmjw tkrng

b}ynjlh tm|. tmbh L tjs duktlhd ry. wmb yjswku mjg wk yjss wmb cknnbcwlkh

ynjwb jukrhg flvb wl`bs lh kugbu wk ujlsb bhkrdm `khb| orsw wk yj| wmb nldmw

elnn( Jfwbu jnn. |kr cjh hkw eb ulcm jhg ebnlbvb lh Dkg. mb tkrng sj|( Jhg wmjw

ls b}jcwn| wmb cknnbcwlvb ubjnlw| wmjw tjs cubjwbg lh mls cmrucm(

L ebnlbvb lh j Dkg kf jerhgjhcb. hkw j Dkg kf njca jhg nl`lwjwlkh( Wmls ls `|

ubjnlw|( Tmjw ls |krus; Tmjw gk |kr ebnlbvb;




:7 Wmb Nldmw Jw Wmb Bhg Kf Wmb Wrhhbn…Jhg Lw“s Hkw J

Wujlh

Njglbs. L tjhw wk wmjha |kr fku wjalhd wl`b krw kf |kru gj| wk nlswbh wk `|

ybuskhjn b}ybulbhcbs( L gk jyyubcljwb jhg vjnrb |kru wl`b jhg L tkrng nkvb

wk mbju |kru swku|. ku jh| wmkrdmws jhg ck``bhws |kr mjvb wk smjub( Ebck`b

jh b}cnrslvb `bèbu kf j flhjhcljnn| bhnldmwbhbg ck``rhlw| kf njglbs( Wjab j

`k`bhw jhg sbhg `b jh b`jln wk LWJWLSwkcasIjkn(ck (

L tlsm |kr wmb ebsw kf nrca lh |kru bhgbjvkus jhg lh nlvlhd |kru gubj`s( Mjvb

j tkhgbufrn b}ybulbhcb*





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Wealth Wisdom For Ladies - Personal Insights to Building Wealth