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ImÀ {i²tbmsS sXcsªSp¡pI

Hcp ImÀ hm§pIsb¶pÅXv km[mcW¡msc kw_Ôn¨nSt¯mfw Gsd BËmZw \ÂIp¶XmWv. hml\w hm§Wsa¶v Xocpam\saSp¯p Ignªm ]ns¶ F{Xbpws]s«¶v kz´am¡pIsb¶XmWv FÃmhcpsSbpw e£yw. CXn\nSbn GXp I¼\nbpsS hml\w, tamUÂ, IfÀ F¶n§s\bpÅ sXcsªSp¸mWv Gsd am\knI _p²napt«dnb kwKXn. F¦nepw hne, hml\hmbv], CÔ\s¨ehv, C³jpd³kv, sabnâ\³kv XpS§nbhsbÃmw hfsc {i²tbmsS ]cntim[n¡Ww. A{i²ambn, bmsXmcp ]T\hpw\S¯msX hml\whm§nbm Nnet¸mÄ henb _m[yXbmbncn¡pw ]n¶nSpWvSmhpI. ]pXnb hml\ambmepw bqkvUv ImÀ hm§m\mbmepw {i²nt¡WvS Nne Imcy§fpWvSv.

_Päv Xocpam\n¡pI

`qcn`mKw km[mcW¡mcpw DbÀ¶ hcpam\¡mcpw ]pXnb hml\w hm§p¶Xv hmbv]bneqsSbmbncn¡pw. hml\hmbv]bmbmepw BZyKUphmbn ASbvt¡WvS Uu¬ t]bvsaâv XpI, IqSmsX amkwtXmdpw ASbvt¡WvS CFwsF F¶nh IrXyambn IW¡pIq«Ww. hcpam\¯n\\pkcn¨pÅ CFwsF Xs¶bmWv amkwtXmdpw IsWvSt¯WvSsX¶v Dd¸phcp¯Ww. CXn\nSbn sabnâ\³kv sNehv (bqkvUv ImÀ BsW¦n sabnâ\³kv sNehv IqSpX IsWvSt¯WvSnhcpw), C³jpd³kv {]oanbw, CÔ\s¨ehv F¶nhbv¡pÅ XpIIqSn IcpXnbncn¡Ww. C¯cw Imcy§Ä IW¡pIq«p¶Xn\v lm³UvkvHm¬_m¦nwKv (handsonbanking.org) t]mepÅ sh_vsskäpIÄ klmb¯ns\¯pw.

hnhn[ ImÀ tjmdqapIÄ kµÀin¡pI

X§fpsS hcpam\hpw sNehpsN¿m\pÅ XpIbpw Xn«s¸Sp¯nbXn\ptijw GXp_PänepÅ hml\w hm§Wsa¶v Xocpam\n¡p¶p. ]n¶oSv k¦Â]¯nepÅ hml\w kz´am¡m³ km[yamb tjmdqapIsfÃmw kµÀin¡pI. CâÀs\äv ]cntim[n¡pIbmWv BZyL«¯n sN¿mhp¶ Gähpw Ffp¸amb amÀKw. CâÀs\äv ]cntim[n¨v \nÀamXmhv, tamUÂ, hne, aäp D]t`màm¡fpsS dnhypIÄ, t^mt«mIÄ, hoUntbm XpS§n FÃm km[yXIfpw ]cntim[n¨Xn\ptijw GXphml\w, FhnsS\n¶p hm§Wsa¶v Xocpam\n¡pI. AXn\ptijw tjmdqapIÄ kµÀin¡p¶Xmbncn¡pw D¯aw.

s{IUnäv kvtImÀ ]cntim[n¡pI

ImÀ hm§m³ hmbv]bv¡mbn _m¦ns\ kao]n¡p¶Xn\p ap¼v X§fpsS s{IUnäv kvtImÀ ]cntim[n¡p¶Xv \ÃXmbncn¡pw. s{IUnäv kvtImÀ ]cntim[n¡m³ ssa^ntIm tUm«vtImw (www.myfico.co) , B\phÂs{IUnäv dnt]mÀ«v tUm«v tImw (annualcreditreport.com) XpS§nb sh_vsskäpIÄ klmb¯ns\¯pw. Cu 3 UnPnäv s{IUnäv kvtImÀ ]cnKWn¨mbncn¡pw FÃm hmbv]bpw A\phZn¡pI. hml\w hm§m³ ImÀ Uoesd kao]n¡p¶Xn\p ap¼pXs¶ s{IUnäv kvtImÀ Ìmäkv ]Tn¨ncn¡p¶Xv \ÃXmWv. s{IUnäv kvtImÀ IpdhmsW¦n AS¨pXoÀ¡m\pÅ _m¦v _m[yXIsfÃmw AS¨pXoÀ¯v kvtImÀ DbÀ¯nbXn\ptijw hmbv]bv¡v At]£n¡pI. C§s\ s{IUnäv kvtImÀ DbÀ¯nbm Gähpw A\ptbmPyamb ]eni\nc¡n Bhiyamb Imemh[n¡v hmbv] Xcs¸Sp¯m³ km[n¡pw.

C³jpd³kv {]oanbw

FÃmhÀjhpw ASbvt¡WvS _m[yXbmWv C³jpd³kv. hml\w kz´am¡p¶tXmsSm¸w A[nI_m[yXbmbn hcp¶ C³jpd³kns\¡pdn¨v tem¡Â C³jpd³kv GPâv, Hm¬sse³ s{]msshUÀ F¶nhcn \n¶v hnhc§Ä tiJcn¡mw. Ah\hsâ _PänsemXp§p¶ C³jpd³kv XpIbmtWmsb¶v hml\w hm§p¶Xn\pap¼v Dd¸phcp¯Ww. hnhn[ ImdpIÄ¡v hnhn[ \nc¡nepÅ C³jpd³kv {]oanbambncn¡pw ASbvt¡WvSXv. IqSmsX BZyambn hml\whm§p¶bmfmsW¦n {]oanbw Aev]w IqSpXembncn¡pw. C¯cw Imcy§Ä icnbmbn ]Tn¨m \ap¡v A\ptbmPyamb hml\w sXcsªSp¡m³ km[n¡pw.

þ]n.Un. _n\p



dn«bÀsaâv Ct¸mtg ¹m³ sN¿mw

_m¦pIÄ \ÂIp¶ ]eni\nc¡pIfn Gähpa[nIw Gä¡pd¨nepIÄ DWvSmbns¡mWvSncn¡p¶ kabamWnXv. dn«bÀsaâv Ime¯n\pthWvSn k¼mZy ]²Xn IÄ Bcw`n¡m³ CXnepw A\ptbmPyamb asämcp kabw Csà ¶p km¼¯nIhnZKv[À Htc kzc¯n ]dbp¶p.
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C\n _m¦n\p ]Icw samss_Â

kplr¯p¡sftbm _Ôp¡sftbm hnfn¡m\mbn samss_ t^mWpIÄ D]tbmKn¨ncp¶ Imew Ft¶ amdn¡gnªp. C¶nt¸mÄ kvamÀ«vt^mWpIfpsS ImeamWv. D]tbmKn¡p¶ hyànsb¡qSn kvamÀ«m¡n amäm³ Cu t^mWpIÄ¡v Ignbpsa¶XmWv ckIcw.
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F³BÀsF \nt£]w: ]pXpkm[yXIÄ

]pXnb Kh¬saâv A[nImc¯ntednbtXmsS Gähpw DjmdmbXv \nt£]taJebmbncp¶p. A\p`mh]qÀÆamb \b§Ä kÀ¡mcnsâ `mK¯p\n¶pWvSmIpsa¶ {]Xo£bmWv IqSpX \nt£]Isc Hmlcnhn]Wnbnte¡p ASp¸n¡p¶Xv.
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tXmÀ¯n\papWvSv ]dbm³ Hcp Hm¬sse³ hn¸\KmY

aebmfn Ipfn¨p tXmÀ¯m³ D]tbmKn¡p¶ \½psS kz´w tXmÀ¯papWvSv C¶v Atacn¡bnepw kz´amb hn]Wn Dd¸m¡n apt¶dpIbmWv. Hm¬sse³ hnÂ]\sb¶ ]pXp]p¯³ amÀ¡änMv ssienbneqsS. AXym[p\nI amÀ¡änMv coXn D]tbmKs¸Sp¯n hnZqc hn]Wnbntebv¡v IS¶pIbdpIbpw ....
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BZmbhpw \nIpXnbpw

BZmb\nIpXn dnt«¬ kaÀ ¸n¡m\pÅ Ahkm\ XobXn Cu amkw 31 BWv. Ahkm\ aWn¡qÀ hsc Im¯ncn¡msX Ct¸mtg AXn\pÅ X¿msdSp¸pIÄ \S¯m\pÅ \nÀtZiw BZmb\nIpXn hIp¸v FÃm \nIpXnZmbIÀ¡pw \ÂIp¶pWvSv.
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Cdm¡v, C´yþ C\n?

Cdm¡n \S¶psImWvSncn¡p¶ XpScm{IaW§Ä Cdm¡ns\bpw kndnbsbbpw am{Xaà temIs¯bmIam\w ]nSn¨pIpep¡p¶ cwK§Ä¡mWv Ignª Hcp amkt¯mfambn temIw km£yw hln¨Xv. Cdm¡n \SamSp¶ IepjnXmhØ \in¸n¨Xv A¶m«nse Bbnc¯ne[nIw Poht\msSm¸w....
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sNdpIbdn Ipcp§p¶hÀ

k©mcn ImgvNIÄ IWvSp \S¡pIbmWv. ]e Øe§Ä, P\]Z§Ä, BfpIÄ, arK§Ä, ]£nIÄ... bm{X¡nSbn AbmÄ B\Isf ]cnioen¸n¡p¶ Øes¯¯n. B\Isf¡WvSv \S¡m\mªt¸mÄ At±lw B ImgvNIWvSp.
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Ip«n¡fnbà apàymÀ

{]XnImc¯nsâ IY ]dbp¶ lnµn Nn{XamWv _mknKÀ. Nn{X¯n ]nXmhnsâ AImeacW¯n\p ImcW¡mcmbhÀs¡Xnsc {]XnImcw sN¿p¶ bphmhmbn jmcqJvJm\mWv thjan«Xv.k¼¶\mb _nkn\kpImc\mbncp¶p IYm\mbIsâ ]nXmhv.
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t_m_n sN½®qÀ: hnPb¯nsâ thdn«ssien

kzÀWhne ]¯phÀj¯n\Iw ]h\v Hcp e£amIpw! sR«m³ hcs«, Ahnizkn¡pIbpw thWvS. ]dbp¶Xp t_m_n sN½WqcmWv. tIcfw Gähpw IqSpX NÀ¨sN¿p¶ _nkn\kv {]apJcnsemcmfpw t_m_n sN½WqÀ CâÀ\mjW {Kq¸nsâ A[n]\pamb t_m_n sN½WqÀ.
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`h\hmbv] Xncn¨Shv t\«am¡m³

Ignª Iptd hÀj§fmbn luknMv temWpIfpsS ]eni Ip¯s\ DbcpIbmWv. Hmtcm XhW IqSpt¼mgpw hmbv]sbSp¯ \½psS s\©n shÅnSnbpWvSmIpw. tem¬ FSp¯p hoSp h¨p. ]t£, hÀjw Ignbpt´mdpw ]enibpw ]enibpsS ]enibpw tNÀ¶p....
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Sn.FsI. ]mc¼cy¯nsâ {]uUnbn \qdmw hÀj¯nte¡v

sIm¨nbnse sSIvssÌ hym]mccwK¯v ZimЧfpsS s]cpabmWv SnFsI i¦c\mcmbW A¿À {_tZgvkn\pÅXv. 1917 IfnemWv Xncps\Âthen PnÃbn \n¶pw Sn.F IrjvW¿cpsS aq¶p a¡fmb Sn.F.sI i¦c\mcmbW³, Sn.F.sI sh¦nSmNe A¿À.......
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Im¼kv kvs]j Häaqen tkm^väv shbÀ

"KXnIv' F¶ kwkvIrX]Z¯n\p "thKw' F¶mWÀ°w. Zot]jv ZnhmIcs\¶ bph tkm^vävshbÀ F©n\obÀ kz´amsbmcp kwcw`w XpS§nbt¸mÄ Xsâ Øm]\¯n\v "KXnIv sSIvt\mfPokv' F¶p t]cn«Xv shdpw bmZrÝnIambncp¶nÃ.
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Ip«nIÄ ]W¡mcmIs«

]¯p hbkn\p apIfnepÅhÀ¡v kz´ambn _m¦v A¡uWvSv Xpd¡msa¶pw ssIImcyw sN¿msa¶papÅ dnkÀhv _m¦v Adnbn¸p h¶Xv Ignª amkamWv. AXphsc amXm]nXm¡fpsStbm apXnÀ¶hcpsStbm a[yØXbn am{Xta A¡uWvSv Xpd¡m³ Ip«nIÄ¡v km[n¡pambncp¶pÅq.
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almhnPbw

C´ybn C¶nt¸mÄ Gähpw XmcaqeyapÅ ]Zw GsX¶p tNmZn¨m AXns\mcp ¢q Xcmtam F¶pt]mepw Bcpw tNmZnt¨¡nÃ. AYhm ¢q tNmZn¨m cWvSv A£cw am{XamWpÅsX¶p ]dbpt¼mÄ D¯cw sdUn. \tam.hµ\ kqNIambn \akvImc sa¶pw BZchnsâ kqNIambn \tam\asb¶pw ]dbp¶ \m«n .....
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dnb FtÌänse {]mtbmKnI ]mT§Ä

dnb FtÌäv ]et¸mgpw RmWnt·Â¡fnbmIp¶Xv _p²n]qÀÆw \nt£]n¡m¯Xn\memWv. `qanbntem hoSntem \nt£]n¡mw. ]t£, `mhnbn \jvSapWvSmInsö Ddt¸msS thWw sN¿m³. CXn\mbn \nch[n Imcy§Ä {i²nt¡WvSXmbpWvSv.
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kv{XoIsf CXnte....

s]mXpth kv{XoIÄ¡p k¼mZyioew IqSpXemsW¶mWp ]d¨nÂ. AXp kXyamWpXm\pw. hoSv ]Wnbp¶XpapX dn«bÀsaâv ¹m³hsc Imcy£aamb ]²XnbpWvSm¡m³ kv{XoIÄ ¡mhpw. kv{XoIÄ¡p klPamb k¼mZyioew sImWvSpXs¶ hnhn[ ]²XnIfn \nt£]n¡pIbpw sN¿p¶pWvSmIpw.
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bm{X¡msc Cuizc³ c£n¡s«...

C´ybn Gähpw sNethdnb s]mXpKXmKX kwhn[m\w \ne\n¡p¶ kwØm\sa¶ _lpaXn tIcfw kz´am¡nbncn¡p¶p. sXm«b kwØm\§sf¡mÄ Cc«nbne[nIw ]Ww sNehgn¨m am{XamWv tIcf¯n sNdptXm heptXm Bb GXp Zqc¯nepw k©cn¡m³ km[n¡pI.
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hkvXp BcpsS t]cnÂ?

CjvSs¸s«mcp hkvXp IWvSm ]ns¶ Imipw I¿nepsWvS¦n Bcpw cWvSmasXm¶p BtemNn¡mdnÃ. ]et¸mgpw hm§p¶Xv `mcybpsStbm a¡fpsStbm t]cnembncn¡pw. \nIpXn em`n¡m\mbncn¡pw Cu _p²n ImWn¡p¶Xv. ]t£, CXp an¡t¸mgpw IqSpX A_²¯nte F¯n¡q.
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sd¡dnMv \nt£]w Nn«sbm¯ k¼mZyw

sNdnb XpIIÄ tNÀ¯v henb \nt£]apWvSm¡p¶Xns\ ]än Nn´n¡p¶ptWvSm...? F¶mÂ, \n§Ä ¡nt¸mÄ XpS§mhp¶ Gähpw \sÃmcp \nt£]amWv sd¡dnMv. P\§Ä¡nSbn k¼mZyat\m`mhw hfÀ¯m³ klmbn¡p¶ hn[¯n ASp¯Ime¯v ....
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hnes¸« tcJIÄ \jvSs¸«mÂ

Ignªamkw tIm¬ {Kkv A²y£ tkmWnbm KmÔnbpsS SmIvkvþ{^o t_mWvSpIfpsS tcJIÄ \jvSs¸«Imcyw \mw ]{X¯n hmbn¨p. ]¯pe£w cq] aXn¸pÅ C´y³ sdbnÂth ^n\m³kv tImÀ¸tdjsâ tcJIfmWp \jvSambXv.
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F´n\pw GXn\pw sN¡v

]Ww ]äp¶Xn\pw sImSp¡p¶Xn\pw Gähpw kuIcy{]Zamb am[yaamWv sN¡v. hfsc sNdnb XpI apX henb XpIIÄ hsc sN¡p aptJ\ ssIImcyw sN¿mw. km[mcW ]WanS]mSpIfnse A]IS§Ä sN¡p apJm´ncw Hgnhm¡mw.
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aqe[\wþ]Whpw ]Zhpw

hmWnPy kw_Ôamb Imcy§fn hfsc hyXykvXamb AÀY§fn D]tbmKn¡ps¶mcp ]ZamWv Iym¸nä AYhm aqe[\w F¶Xv. ImÄ amÀIvknsâ hnJymXamb {KÙ¯nsâ NphSp]nSn¨v ]Ww F¶ AÀY¯n am{Xw C¶pw IW¡m¡p¶hcpWvSv.
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ISÂ IS¶ ]mf

XriqÀ PnÃbn atcm«n¨m Imc¸d¼n k¨n³ t__nsb ]cnNbs¸Smw. I¼yq«À kb³kn  _nsS¡v Ignªv XnI¨pw hyXykvXamb taJebnte¡mWv Cu bphmhv ImseSp¯p h¨Xv. D]tbmKiq\yamb ]mf¸m{X§fpsS \nÀamWhpw IbäpaXnbpw. C¶nXm Cu kwcw`Is\ tXSn HmÀUdpIÄ Iyq \n¡p¶p.
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hn]Wn adp\m«nÂ

F´n\pw GXn\pw hntZi¯v hn]WnbpWvSv. F¯n¨p sImSp¡m³ IgnbWsa¶p am{XtabpÅq. C´ybnsebpw F´n\[nIw tIcf¯nsebpw IbäpaXn k{¼Zmb¯n\p \qämWvSpIfpsS ]g¡apWvSv. A¶p XpWn¯c§fpw Np¡pw IpcpapfIpsams¡ Bbncp¶Xv C¶p ]g§fpw....
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adp\mS³ \n_Ô\IÄ

C´ybpsS {][m\ hym]mc ]¦mfnIfmWv bqtdm]y³ bqWnb\pw bpssWäUv tÌävkv Hm^v Atacn¡bpw. Cu cWvSp hym]mc iànIfpambn hÀj§fpsS hym]mc_ÔamWv C´y¡pÅXv. C´ybnÂ\n¶pw IbäpaXn sN¿s¸Sp¶ DÂ]¶§Ä¡v bqtdm]y³ bqWnb³ \ÂIp¶ Ìm³tUÀUpIsf ASp¯dnbmw.
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IbäpaXn F§s\?

hntZihn]Wnsb e£yam¡n IbäpaXn taJebnte¡p IS¡m³ B{Kln¡p¶ `qcn]£w hyhkmbnIfpsSbpw ap¶nse tNmZyamWv ""IbäpaXn F§s\ XpS§mw'' F¶pÅXv. Gsd {i²tbmSpw Hcp¡t¯mSpw am{Xw IbäpaXn _nkn\knte¡p IS¶m am{Xta hnPbn¡m³ km[n¡pIbpÅq.
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]m¸cm¡pw ÌmÀ

_mÀ tlm«epIfpsS {]iv \w Ct¸mÄ Npän¯ncnbp¶Xp SqÌmdnsâ ]n¶msebmWv. F´n\mWv tlm«epSaIÄ SqÌmdns\ C{Xt]Sn¡p¶Xv. \£{X ]ZhnbpsS {]tXyIXIfpw AXp t\SnsbSp¡p¶Xpambn _Ôs¸« Imcy§fpw NphsS ]dbp¶p.
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hnPbw ]mÀizhniIe\§fneqsS

hnPb¯nte¡v Ipdp¡phgnIfnÃ. F¶mÂ, At\Iw hyXykvXhgnIÄ hnPb¯nte¡p \bn¡p¶XmbpWvSv. im´ambn Nn´n¡pt¼mÄ ]cmPbw kp\nÝnXsa¶ptXm¶p¶ kmlNcy§fnÂt]mepw hnPb¯nte¡p sNs¶¯p¶ ]mXIÄ IsWvS¯m\mhpw.
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saUn¡Â tIs«gp¯v

Hgpt¡msS Cw¥ojv kw kmcn¡m\pw a\knem¡m\pw km[n¡ptam? saUn¡Â cwK¯v Fs´¦nepw ap³]cnNbaptWvSm? F¦n XoÀ¨bmbpw saUn¡Â {Sm³kv{In]vj\dpsS tPmen ]co£n¨pt\m¡mw. Hm¬sse \mbn [mcmfw sXmgnehkc§Ä Cu taJebn e`yamWv. ta ¸dª ...
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"C'§s\bpw kq¸ÀamÀ¡äv

t^kv_p¡nÂ\n¶p hyXykvXamWv sh_vsskäpIÄ hgnbpÅ I¨hSw. sh_vsskäv aptJ\ \S¯p¶ I¨hS¯n\v CþsImtagvkv F¶mWv ]dbp¶Xv. \nch[n DÂ]¶§Ä C§s\ Hcp ¢n¡n\¸pdw F¯n¡p¶ [mcmfw tjm¸nwKv sh_vsskäpIÄ C¶pWvSv. AXn\mÂXs¶....
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