Reṅgeć Hoṛ Cedaḱ Arhõ Ko Reṅgecoḱ Kana?
-Stephen Soren
Bangladisom ren Manotan Onoliạ Timon Hasdak aḱ ạḍi aema soros sereń menaḱa. Onako modre teheń ińaḱ olok reń tumạl hatao keda; “Pạtiạrge Lonbonić, Pạtiạrge: Sạrige, Lonbonić, Kạmire pạtiạr” Santali sereń puthi Seren#579. Sạrige teheń abo sanam santalko lonbonić re pạtiạr ar kạmire pạtiạr, menkhan cedaḱ santal jạtiạriko reṅgeć hoṛ cedaḱ arhõ ko reṅgecoḱ kana.
Brian Tracy doe hoyoḱkana Canadian-America ren udgạu emoḱić ar maraṅ onoliạ hõ kanae. Uni do irạl gel cetan puthi doe ol akada, ar onako puthi do aema pạrsite chapa sodor akana. Sanam puthiko khon soros puthi do hoyoḱ kana; What You’re Really Worth, Eat That Frog!, No Excuses!
Brian Tracy aḱ katha lekate,“amak ae umạ̃ṛ ḍher hoyoḱtama, gạkhuṛoḱ hoyoḱtama ar bud ạkil hameṭ hoyoḱtama.” Enḍekhan, onkoaḱ ae ḍherem menet́ khan, noa sạriaḱ lạgit́ am do thoṛa kạmihora do hatao hoyoḱtama. Amaḱ ae ḍher lạgit́ lagan (biniyog) ar gạkhuṛoḱ reaḱ bud ạkil lekate kạmi hora do hatao jạruṛ kana. Noa lạgit́ lekha, jhũki hatao ar ṭaka paesa reaḱ jạruṛ hoe daṛeaḱa, menkhan onako do bại bạite ḍher dinte purạu do bạṛti bhạlạianaḱ hoyoḱa. Amaḱ ae roṅ-beroṅ se rosanjon lekate benao rakaṕ são sãote, noa do amaḱ ae reaḱ onoṛ do sạrdi ar dhurpạure goṛo daṛeama.
Am do cet́ arhõ ṭaka paesa arjao ar amaḱ kạuḍiko lahanti lạgit́ soros utạr hor se upại em sendra kana? Arhõ bạṛti ae ar ae bạṛtiḱ lạgit́ cet́ lekate hameṭoḱa ona babotte nonḍe latarre thoṛa kạmi hora do ol caṛhaoena.
Pe lekate Ae hoe daṛeaḱa:
- Akṭiv kạmi
- Nisạm kạmi
- Pọrṭfolio reaḱ kạmi
1.Akṭiv kạmi; Akṭiv kạmi reaḱ manetet́ do kana nonkan ae oka do am khaṭaokate ar okto khemao kateć em arjaoet́ kan. Jemon, nukri, bạnij-bepar, se nonkanaḱ jãhãn kạmi, am tin ghạṛić okto khemao kateć em ae daṛeaḱ.
Nạmuna lekate, amaḱ mit́ṭen dokan menaḱa, ona dokanre tin ghạṛićem duṛuṕa in ghạṛićge amaḱ ae do; menkhan dokanre bam duṛuṕ len khan, amaḱ ae do baṅ hoyoḱtama. Nonkan ae do ḍher hoṛge alga ar usạrate ae lekako hudisa. Noa do joto hoṛ ṭhen oprom hora kana, ar ḍher hoṛge akṭiv kạmi sećko laha calaḱ kana. Nạmuna lekate, nukri ńam, candore niṭ akan kuṛại/beton ńam, se jãhãn onkan huḍiń macha bạnij-bepar. Menkhan nonkanaḱ ae do simạ bhitrire menaḱa, entet́ tinạḱem khaṭaoḱa, unạḱgem ae daṛeaḱa. Ar mit́ hoṛ din hiloḱ kom se kom 10-12 ghonṭae khaṭao daṛeaḱa, inạ khon bạṛti do baṅ.
Jãhãtin maraṅ Ḍaktar, Engineer se kạḱmiyićem hoyoḱ, akṭiv kạmi te tinạḱem ae daṛeaḱa? Noa reaḱ soṅkha do niṭ akan, ar mit́ okte ona simạrem jhạliḱa. Onate, akṭiv kạmi do ḍher din reaḱ dhon-dạulat benao rakaṕre baṅ ṭhika.
2.Nisạm kạmi; Nisạm kạmi do noako metaḱ kana, oka do begor kạmite hõ ṭaka paesam arjao daṛeaḱa. Jemon, amem jạpit́eda, se eṭaḱ jãhãnaḱem kạmi kana, enre hõ amaḱ ae do hoyoḱ kana. Okoe do Nisạm kạmi ko benaoet́ kan, onko do aema okte acel pacel ko kisạ̃ṛoḱ kana, cedaḱ je, nisạm kạmi reaḱ maraṅ subita do kana, noa do okte nạpitre ḍher idiḱa ar tis hõ baṅ thiroḱa.
Nạmuna lekate; am mit́ṭen oṛaḱ bhaṛa bạisạume, enḍekhan jao candore bhaṛam ńama, ar ona seć jãhãn bises dekbhal baṅ lagaoama. Inạ chaḍa hõ puthi oloḱ, You Tube channel calao, Website talate ae, Facebook page se instagram khonaḱ ae, YouTube sećte noako do nisạm kạmi reaḱ nạmuna kana.
Nisạm kạmi etohoṕ do baṅ algawa, entet́ noa lạgit́ pạhilte thoṛa okto emoḱ reaḱ jạruṛ menaḱa ar kạmi hoyoḱa. You Tube channel jhićem mone lekhan, pạhilte thoṛa cando bam ae daṛeaḱa, menkhan mit́ okte ńeloḱa je, tinre amaḱ video joto hoṛ ṭhen porcaroḱa arko kusiaḱa, unre amaḱ ae do ehoboḱa. Aema okte nonkanaḱ income ehob lạgit́ thoṛa ṭaka paesa hõ jạruṛoḱa. Ona karonaḱte ḍher hoṛge nisạm kạmi do bako kusiaḱa, ar onko do Akṭiv kạmi re lobdhao akanko tahẽn kana. Enrehõ okoeaḱ do nisạm kạmi tahẽn, onko do tis hõ ṭaka paesa reaḱ okulạnre bako paṛaoḱa, ente onkoaḱ ae do bond baṅ tahẽna. Onate, jion jingirem jitkạroḱ khan, Akṭiv kạmi khon thoṛa ṭaka paesa bańcao kate nisạm kạmi reaḱ onoṛ benao hoyoḱa.
3.Pọrṭfolio reaḱ kạmi; Pọrṭfolio reaḱ kạmi do kana oka ae lagan se (biniyog) lekate hijuḱa. Okoe aḱ do ṭaka paesa menaḱtako, onko do aema jaegakoreko ae daṛeaḱa. Nonkan ae re do jãhãn haron bạnuḱa.
Nạmuna: Share bajar re se mutual funds re lagan (biniyog) daṛeaḱa. Inạkate, jahae karbạriạ aḱ goṛo hatao me, menkhan ona karbar khon ae em ńama, onḍe tahẽn reaḱ jahan jạruṛ bạnuḱtama.
Kisạ̃ṛ hoṛ do nonkan investment se laganre ṭaka paesa ko dohoea. Entet́ bank re ṭaka paesa ko doho lekhan, asol ṭaka paesa reaḱ dam din dinte komoḱa. Okte calaḱ são sãote amaḱ ṭaka paesa hõ share bajar re, mutual fund re se jarkhar daṛeaḱa. Enḍekhan ona ṭaka paesa share bajar re, mutual fund re se mońj karbạriạ aḱ goṛote lagan ako, nonkate amaḱ ṭaka paesa hõ ḍheroḱa ar am hõm kisạ̃ṛoḱa.
20-80 system ar amaḱ tayom daram: nisạm kạmi se Pọrṭfolio reaḱ kạmi bam kusiaḱ khan, enḍekhan am hõ paseć ona 20-80 system regem aṭkao tahẽna. Noa system lekate, 20% hoṛko kisạ̃ṛoḱa, ar 80% hoṛko reṅgecoḱ kana. Dhạrtire joto khon dhon dạulat reaḱ maraṅ hạṭiń do 20% hoṛko ṭhenge tahẽna. Onate am oka kạmire menama, kurumuṭuime nisạm kạmi. Eken inạ Akṭiv kạmi re lagao akanem tahẽlen khan, enḍekhan amaḱ ae do mit́ okte simạre hijuḱa. Ar nisạm kạmi se Pọrṭfolio reaḱ kạmi baṅ tahẽlen khan, am hõ onko 80% hoṛko taberem paṛaoḱa, okoe do goṭa jion ṭaka paesa reaḱ obhab okulạn reko tahẽnkan. Onate, teheń khonge amaḱ income hõ ḍher reaḱ ganḍonoḱ hoyoḱa ar Akṭiv kạmi khon thoṛa ṭaka paesa bańcaokate nisạm kạmi se Pọrṭfolio reaḱ kạmi benao rakaṕme. Nonkate amaḱ tayom daram dinko mońjem khemaoa ar kisạ̃ṛ hoṛem hoe daṛeaḱa.
Arhõ thoṛa nạmuna:
-Puthi oloḱ: mit́ṭen puthim ol chapa sodor lekhan, onḍe khon thoṛam ae daṛeḱa, oka do calaḱtege tahẽna.
–Investment: Stock market, Real estate se Crypto market re lagan (biniyog) lekhan nonkate hõ nisạm kạmi tem arjao daṛeaḱa.
-Online course reaḱ bebostha: Onkan jãhãnaḱ babotre gạkhuṛoḱ me, enḍekhan Online course reaḱem bebostha daṛeaḱa, oka do hoṛko kirińa ar nonkate amaḱ ae hõ hoyoḱtama. Jionre jitkạr hoyoḱ ar kisạ̃ṛoḱ reaḱ sana menaḱtam khan, Akṭiv kạmi chaḍa hõ nisạm kạmi ar Pọrṭfolio reaḱ kạmi re mon gaḍaotam.
Mucạt́ re niạ oloḱ sećte sanam santalko udgạu et́ bon kana je, arhõ bạrti kạmi lagao abona, bud ạkil ḍahar jhić katet́ nawa hor oḍok lagao abona, jemon santalko babon reṅgejoḱ. Bickom bon kisạ̃ṛoḱ bud ạkilte ar ṭaka paesate. Onate cetanre ol akan bisoko arhõ bạrti bon ganḍonoḱ ma ar bon hudis te reṅgeć do baṅ bickom bon kisạ̃ṛoḱ.
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