New Pension Scheme

               Sorkar hnathawk ve lo te tan pawha Pension neih ve a tul zia HETAH hian ka ziak tawh a, engtin tin emaw NPS chungchang phuailuai takin ka rawn ziak ve leh e. A ziak tur niawm tak taka ka ngaih te'n an ziak tha duh mang si lova, a engmah lo ber hian ka'n ziak ve leh ngawt anih hi.              




          New Pension System (NPS) hi tunah chuan India ram chhunga sorkar hnathawk zawng zawngin Pension hmanrua atan an hmang chho ta a ni tih kan hre theuh awm e. A tir lamah chuan Sorkar hnathawk tan chauhva ruahman a ni a, 1^st January 2004 atang khan Central sorkar hnuaia hnalak thar ho chuan he NPS hi an hmang tan vek a ni; a that viau vang pawh a ni mahna, sorkar hnathawk kher lo pawhina pension an lo neih ve theih nan tiin 1^st May 2009 atang khan India mi tupawhin NPS a zawm ve phalsak a lo ni ta a ni. Hei mai bakah hian economically disadvantaged people tan bika siam NPS Lite pawh hman theihin duan chhuah a ni nghal bawk.

             National Pension System (NPS) is an initiative of Pension Fund Regulatory and Development Authority (PFRDA), the apex body established by Government of India to regulate and develop the pension sector in India. NPS has been extended to all citizens of India with effect from 1st May 2009. To extend the coverage of NPS to the weaker and economically disadvantaged sections of the society with their limited investment potential, PFRDA has launched NPS- Lite which specifically targets the marginal investors and promotes small savings during their productive life. It aims at building up a corpus sufficient enough to buy an annuity for their old age. (PFRDA)

NPS zawm ve tura mamawh hmasa:


         NPS hi kan zawm ve duh anih chuan heng documents - PAN Card leh KYC te hi kan neih a ngai. PAN Card chu neih a harsa lem lova, tin KYC pawh bank atangin neih mai theih a ni bawk. A bak chu address proof leh Identity proof document a ni tawh mai. Nationalised bank ah SB Account neih hmasak te pawh a ngai ang chu.

Sum peipunna him leh him lo thenkhatte

Bank lampang han sawi hian thenkhat chuan an mi melh dan leh an mi thlir dan an tidanglam fo thin. Hei vang hian hetiang lampang ziak ve hi a inthlahrunawm deuh hlek thin. Banking lampang hi hausak hluaina leh pawisa dah pun thur thurna lampang a ni lo tih hi hriat hmasak a tul hle a. Hah tak leh rim taka kan thawh chhuah sa, inren tak leh mahni in control tlat chunga tlem tlema kan lo inkhawl ve tang tangte hi tupawh mai hian a theihna kawng kawnga peipun kan duh ve theuh awm e.

           A peipunna tur kawng kan hre lova, pung hluai tura beiseina avangin mi tam takin harsa tak leh hah taka an thawh chhuahsa an luanral tir thin. Pawisa hi saiip bag-a dah tawp te, thingrem mawnga dah tawp te hian a pung thei reng reng lo va, pun a hnekin a bo thei a, a chhe thei a, a kangral thei bawk. Hmun him taka dahtha chung sia tlemte tea a lo pun ve hlek hlek theih chuan, chumiah chuan lungawi thei mai ila chuan a tha tur. Duhamna hian kan dai loh loh tur tur min daitir thin anih hi.

Himdam taka sum peipun theihna dan turah sorkar hian ruahmanna tha tak tak a siam thin a. Chung hmuna peipun chu a hlawk loh hle laiin a him em em thung. Mi tu tih hriat chian hleih loh, an rinawm leh rinawm loh pawh hriatchian ni miah si lo, engtin nge min peipun sak ang tih pawh hriat ni miah lote hnena kan thawh chhuah liau liau kan han dahkham ngam hi chu kan va lo huaisen tak em. Sum peipunna him leh leh him lote hi i han chhui chiang ang u hmiang.

Financial Planning

          Kei, economics leh business lama background chhete pawh neih aih lovina financial planning lam han ziak ve ngawt chu a zahthlakin mahni leh mahni a insit rum rum theih mai alawm le. Hetiang lampang thuziak tha tak tak dah khawm chhiar duh tan chuan Maawma leh  Lily_Parmawia  of mi(sual).com te site ah hian han lut teh u. Mizotawng ngeia ziak financial education lampang chhiar tur in hmu thei ang. An site ah hian lutin an thuziak te hi han chhiar ve teh u. Beginner tan chuan Lily_Parmawia thuziak ngat te phei hi chu chhiar a nuamin hriatthiam an awl khawp mai.

          Financial lamah hian plan mumal leh felfai tak neih hi a lo tul khawp mai  tih hi ka hmuchhuak ve tlai khawhnu anih hi. Kohhran pawh hi sum plan felfai leh awmze nei taka a kal loh chuan a buai nuai thei a. Chutiang bawkin chhungkua pawh hi financial planning mumal tak, felfai tak tello chuan a buai tlat thin. Mihausa leh sum lalut tam te, sumdawng hausa te leh sorkar hnthawk officer lian leh te deuh te erawh hi chu financial plan felfai lutuk nei lo pawhin nuamsa takin a awm theih thova, buaina an nei ngai lem lo.

           Keini ang kohhran hnuaia thawk, hlawh tlem bawk si tan chuan plan uluk taka neih hi a va lo tul tak em. Thawh chhuah a tlem si, midangte ang thovin mamawh a tam si. Thawh chhuah a tlem miau avangin mahni thawh chhuah chhun ang ang te hi uluk taka plan mumal tak nena hman anih loh chuan thla khat min daih zo thin lo. Thawk chhuak tlem tan hlei hlei hian financial planning hi a lo pawimawh anih hi maw. Pawisa neih tam hi hlimna a ni lova, pawisa neih tlem pawh hlimna a ni chuang hek lo. Kan sum lak luh mil zela kan khawsak thiam hian lungawina kan nei thei mai dawn a lo ni. 

           Financial plan mumal tak ka lo neih thin loh avangin vawi tam tak ka buai tawh thin a. Vawi khat thla hlawh lak har /tlai hlek thla apianga buaina ka tawk mai thin hi keima thiam loh a lo ni. Puk tur ka zawng a ka phi ruai thin te hi plan mumal ka neih that tawk loh vang lek a lo ni. Plan a fel thlap loh chuan mahni income aia tam hman chhuah tum a awm ta fo mai. Input aia output a tam miau chuan hmabak chu leiba nei tun chunga nun a ni tawh mai. Heng te avang hian thla hlawh lak har thla chuan puk tur ka dap ruai thin a, a chang leh ka hlawh lakna bank ah over draft (pay day loan) ka dil fo thin. Enga ti nge mi te hi an indaih bik a, an hlawh an kham bik a, puk tur an zawn ve ruai thin loh? Keimah ah hian dik lo a awm em ni? Financial planning lamah awareness ka lo neih that tawk loh vang a ni ber mai tih ka hre chhuak ta.

          Financial plan tha tak nei thei tur chuan a hnuai ami te hi ka zawm hram a ngai tlat mai le:


1.    Retirement plan:

           Nakinah kan la dam zel te a nih chuan hna thawh theih loh hun leh tar hun te kan nei theuh ang. Chumi hunah chuan engtin nge kan khawsak ve tak ang le? Hna thawk thei lova kan la awm hun atana zawi zawia sum kan lo khawl ve hlek hlek hi a tul hle a ni. Kan thihsan anih pawhin kan chhung te’n an lo hmang tangkai tho tho ang. Pension hi sorkar hnathawk tan chauh emaw kan ti thin hi a dik lo. Tu tan pawh pension hi neih ve theih reng a ni. Sorkar hnathawk ho hian an thawh chhung zawngin an hlawh atanga 10% emaw, a aia tam emaw an cut sak a, chumi tling khawm leh a pung nen, a tawpah chuan a lo tam ta em em thin. Sorkar hnathawk kher lo pawh hian pension tur kan contribute theih chuan pension kan nei ve thei dawn tihna a ni. Hetah hian a chhiar zawm theih e.


2.    Emergency fund:

           Mihring hun tawnah hian that lai hun chauh kan tawng lo va, chhiat tawh leh damloh nikhua pawh kan tawng fo thin. Heng hunah te hian engtin nge sum kan hman mai tur kan hmuh tak ang le? Hetiang ang huna hman mai tur kan neih theih nan Emergency fund account hran kan neih a tul niin mithiam te chuan an sawi a. Chu account ah chuan zawi zawiin sum kan vawm lut ang a, a tir lamah chuan a tlemin a beitham hle ang; mahse a lo rei tial tial ang a, nakinah chuan a lo tam ve tial tial ang a, mangan nikhua leh harsatna a lo thlen thutin pawisa hman mai tur kan nei thei ang.
            

3.    Life insurance:

            Chhungkaw chawmtu ni la, nangmah ah i chhungte, i nupui leh fanaute innghat ta tlat mai se, vanduaina i chungah a thleng palh ta se, i chhungte engtin nge an lo awm zel tak ang. I lo boral palh hlauh pawha i chhungte’n sum enge maw zat tal an lo lak ve theihna tura intiamkamna felfai tak company emaw Post office nen emaw a siam a nihin, chu chu Life insurance a ni. Life insurance hi sum dah khawlna a ni lo tih hi hriat reng tur a ni. Life insurance ina a tum ber chu zan khat mit-chhin tawh palh thut pawha sum tam tham tak, kan chhung te’n an lo dawn ve theihna tur atana ruahmanna a ni. Life insurance ah hian ULIP te, endowment te, whole life insurance te leh term insurance te a awm a. A theih hram chuan term insurance hi a tha ber. A duh tan hetah hian a chhiar zawm theih e.

4.    Investment:

           Investment hi zawi zawia sum khawl khawk bek bek leh kan sum khawl khawm sa te peipun dan a ni mai a. Private company thenkhat ah te, Financial institution hrang hrang ah te, mimal hnenah te, Real estate ah te, Bank ah te leh Post Office ah te investment a tih theih reng a ni. Investment kan tih dawn reng rengin kan pawisa dah te a him tawk a ni tih kan hriat chianna hmun ah chauh investment kan ti tur a ni a, mimal kutah phei chuan tih loh hram tur a ni. Tin, a punna (interest rate) sang lutuk ho hi A HIM LO tlang pui. A chhan chu, harsa taka kan thawh chhuah sa kan sum te kha engtin nge nasa takin an peipun tak ang?

          Bank leh Post Office ah te hian a him khawp mai. Tlem te tea bul tan duh tan chuan  Bank leh Post Office ah te hian recurring deposit hmangin bul tan mai tur a ni. Tin, mutual fund SIP hi a tha khawp bawkin ka hria. ULIP tak hi chu charge neuh neuh a tam avangin tha ka ti lem lo.


5.    Planning for childrens:

       a)    Children’s education:

          Naupang te an lo than len hian, an zirna atana insensona a sang tulh tulh a. Pawl 10 hnuai lam chu a man a tlawm pawh ti mah ila, mahni ina duh ang thala kan zirtir theih si loh chuan sum tam tak sengin hostel ah indah a tul leh thin. Kan fa te’n phai lamah zirna sang zawk zir dawn ta se, airna hmun tha ah chuan Entrance test an nei deuh zel a, chumi a tling thei tur chuan nasa taka an lo inpuahchah ve a tul a. Coaching hial an kal ve a tul thin. Doctor, engineer, MCA, MBA, etc zir tur chuan kum khatah sum nuai tel sen a lo tul thin. Hetih huna pawisa puk chawp lova kan awm theih nan, nakina kan fa te zirna tur pual liau liau vin sum kan lo dah khawl lawk a tul a ni.


       b)    Children’s marriage:

             Kan fa te an lo upat in, nupui/pasal nei rual lo ni ve ta se, chumi hunah chuan inneih sawngbawl nan sum tam tham tak mamawh a ni ngei dawn. Mizo inneihna hi chu hnamdang inneihna nena tehkhin chuan a hautak lo em mai, pawh kan ti maithei. Tulaiah mi kan inti changkang tawh a, khawpuia kan inneihna te hi a hautak em em tawh a ni tih hi hai rual a ni lo.  Sapho tihdan anga mitlemte tana inneihna buatsaih ngawt lah hi kan society in a la remti chiah lova, upa lam ngaihdan pawh a ni lo bur bawk. Tum mah la, a rem chuang lo. Inneihna hi khawtlang huap a ni a, a hautak chho zel dawn. Puk chawp bawkin em ni kan buaipui dawn le? Fapa tan nupui man, inneih thuamhnaw, an thian te thuamhnaw, lawi kawr, khum, inneih cake, thingpui, biakin cheina, zungbun, coat suit, mo hruaina motor, ruai buatsaihna tur sum thahnem tak nen. Insensona tur a sang hle ang. Puk chawp anih chuan a rulh leh lam a hautak tham ngawt dawn si a, chuvangin kan fate kan hmangaih takzet anih chuan an inneih ni a hman atan pawisa engemaw zat tal kan dahtha lawk tur a ni ang. Hmmmm.... huphurhawm thin mang e.


6.    Savings for buying house:

            Mahni chenna tur ngei in sak ve hi kan tih makmawh, kan kova tla a ni a. Kan sum lakluh mil tawk tal in kan sak ve theih a tul hle a ni. Ka sum lakluh a tam loh miau chuan in tha tak, mite sak ang sak ve chu ka beisei kher tur a ni lo. In chhete tal ka sa ve thei anih ngai chuan nu leh pa kan thih boral hnu ah pawh, fa te, baihvai leh mi ina awm kual mai mai lovin mahni inah eng tin tin emaw an lo khawsa ve naw naw thei dawn ani. Mahni puala in nei lo chuan a thawh chhuah atangin in luah man thlatin a pek a lo ngai reng tawh ang a. In luah man lah a kum telin a sang tual tual bawk si. Mi in luah chuan eng thil pawh inchhung khurah thawk se, a la chhuahsan leh tho tur in a ni miau va, duh ang taka cheibawl pawh a phurawm lohva, a chakawm hek lovang. Mahni in ngei luah erawh chuan eng thil tha pawh mahni inchhung ah thawk se, chung te chu amah leh a chhungkaw ta vek tur a ni. Thingtlangah chuan in sak mai a harsa lo, mahse khawpui ah zet zawng insak chu sawi loh, a sakna hmun tur ringawt pawh neih a harsa a nih hi.


7.    Savings for buying land:

            Leilung hi a hausa a, leilung hausakna hi hai chhuak thei tur chuan mahni in ram (huan) neih ngei tur a ni. Leilung hausakna han tih hian oil leh rangkachak khur lam kher a kawk lo. Mahni huan atangin buh leh bal, thlai, thei leh chawhmeh chi hrang hrang a thar chhuah teuh theih a. Sum lakluh nan hmang kher lo mah ila chhungkaw intodelhna atan a tangkai em em a ni. Thilman a sang tial tial a, ei leh in man a sang zel a, chawhmeh man phei chu a zuan hian a zuang kang awk awk thin. Mahni eitur thar chhuah ve theihna tur huan, zimte tal pawh nise, neih hram hram hi a lo tha dawn khawpin ka hria.


8.    Savings for buying property: 

           Inchhung khur mamawh chi hrang hrang te hi an man a to hlawmin a hranpaa sual chhuah ngai te an ni hlawm deuh zel a. Heng steel almirah, chair, table, bel bawm, TV set, DVD player, Tape deck, inverter, washing machine, micro-wave oven, etc. an man tam hlawm a, chhungkaw mamawh an ni ve bawk si, mahni hlawh atang ringawta lei tum chu a harsa hle. Computer, laptop, digital camera leh mobile phone handset te pawh hi mahni hlawh atanga han lei mai hi chu har tak a ni. Hetiang ang lei tur chuan mahni hlawh atanga tlem tlema lo inkhawl ve ker ker a ngai thin.

           Ka ziak thui hle mai. Mahni subject ni miah lo mahse, ka tana a tangkai dawn em avangin a pawimawh zual tlem azawng ka han hrut thuak thuak anih hi. Thawk chhuak tam apiangin an khawl tam ang a, a thawk chhuak tlem chuan an khawl tlem mai tur a ni. Thawh chhuah a tlem avang maia khawl tum miah loh hi nakin hun atan leh chhungkaw tan a tha miah lo ani tih hriat reng tur a ni. Kei ang income tlem lutuk leh a hun taka hlawh la lova awm thin ngat tan phei chuan financial planning hi a lo tul takzet a ni.

Lumettu hna hi

           Lubuk chhep chhup, khuih mam lem loh hi chu hmuh a hahthlak a, a balh hmel bik a, hrik pawh a tam hmel bik bawk. Lubuk hi thenkhatin pa an tih viau laiin, thenkhat chuan zaithiam leh guitar perh thiam entirna ah an ngai a, thenkhat tan erawh mit tikham a tling thin. Lubuk chher chhura awm hi a hrehawm a, sam hmawrin beng a hawlh tan dawn dek dek anih chuan lumettu kan pan ruai zel. Lumeh hna hi thiam thil a ni ve a, mi nazawng thiam ve loh a ni. Khawtlang tana mi tangkai tak, an tangkai zia kan hriat loh fo thin, mitin ina kan mamawh si chu lumet thiam te hi an ni awm e. Lumeh dawr ah han lut ila, meh tir tuma nghakin an lo thu leh thup thin. Lumettu te hi an hlu a, kan mamawh a, hla takah pawh awm se, kan pan nal nal fo thin. Hei hian lumettu pawimawh zia a tarlang mai awm e.  

Hna hniam a ni em?

            Lumeh hi hna hniam angah ngaih a ni fo thin a, mi tam takin hna hniam anga an ngaih anih laiin lumettu lumeh man thlakhata tling khawm hi a tam tham asin. Hnathawk tura chhuak, nalh veng vawnga inchei rem si lo a ni a, nilenga tawp taka inthuam chunga lu meh mawlh mawlh a ngai thin. Hei vang hian lumeh hi mi tam takin hna hniam ah an ngai thin. Mahse an pawisa lakluh hi a tam tham khawp mai. Nalh tak taka inchei a, nitin khawi lai office ah emawa a nghet lova thawh ai chuan a tha zawk daih a, a hlawk zawk daih a ni tih hria hi mitlemte an ni awm e.

            Lumettu hna hi hna hniam a lo ni reng reng hleinem le. A hmaah zah takin kan kun a, a ni'n a duh ang angin min kuai her a, a duhleh min kuai kun a, min kuai dak bawk a. A chet pawh kan che ngam reng reng lo. A hmaah chuan milim ang maiin che lo chang lovin kan thu thin anih hi.

Hna tha a ni em?

           Lumeh hna hi hna tha tak a ni vein ka hria. Lu pakhat meh manah Rs 30 a ni a. Zing karah lu 10 an met hman a, Rs 300 an hlawh thei der. Nilenga lu an meh hian lu 40 vel an met hman tlangpui thin. Ni khatah Rs 1200 an hlawh thei reng a lo ni. Sam tihdum (hair dye) hian an sum hrawm a na lehzual bawk. Nitin Rs 1000 chuang hawn thin pawh an awm. Nitin Rs 1000 lalut angah lo chhut ta ila, thla khatah (ni 26 chhung) chuan Rs 26,000 lai a la lut thei dawn a lo ni reng mai. Bakcheha cheh hian lumeh chhung a rei deuh va, current hmanga nawr anih chuan meh chhung a rei lo thin hle. Dawr luah man te, blade man te leh current hman al man te paih vek hnuah pawh cheng tam tak chu an la lalut dawn tho tho a ni. Thenkhat phei chuan dawr luah man an la inchawi tawm zui leh nghal.

A hautak em?

            Lumet tur hian pawisa capital a ngai tam lem lo khawp mai. Darthlalang lian, bakcheh, a ziahna leh blade, sam nawrna machine, powder, brush nem, puanchhia, etc. A man i han chhut dawn ang hmiang.

Darthlalang                     Rs 200
Bakcheh                         Rs 50
A ziahna hmanrua           Rs 100
Blade                             Rs 20
Powder                          Rs 50
 Dettol                            Rs 20
Brush nem                      Rs 35
Sam nawrna machine      Rs 400
Machine ha/samkhuih     Rs 150
Samkhuih sin                 Rs 30
Puan metre 1                 Rs 60
Secondhand towel          Rs 50
Kawr khaina                   Rs 30

TOTAL =                     Rs  1195

             Lumet tur hian pawisa tam tham neih a lo ngai reng reng hleinem maw le. Hemi bakah hian chair pakhat leh bench pakhat a ngai tel bawk ang. Hei hi chu bul tanna a ni bawk a, mahni in ami hman rih ni ta mai se. Rs 1200 i neih chuan lumeh business i tan thei reng tihna anih chu. Lumet thiam tan chuan mahni hrawk chawmna tur sum lakluh a huphurhawm loh. A bul tanna capital a tlem tehlul nen, chuta tanga income erawh a tam hle si.

Dawr luah man:

            Lumeh business tan dawn chuan dawr luah tur a ngai hmasa a. Dawr luah man hi a sang tawh a, tin dawr luah mai tur hmuh pawh a harsa tawh hle bawk. Dawr luah tur hmu lo tan pawh mamawh tlem azawng iptea ak maiin mi inah sam met duh tur zawn kual mai tur a ni. Hetianga vah kual hi a tir lamah chuan a ninawm deuh maitheia, hlawk pawh a hlawk vak lovang. A tira hlawk nghal hluai lo hi chu kan peih vak hlawm si lo.

Lumeh dawr leh thianghlimna

           Lumeh dawr hi thianghlim leh fai tak angin lang mahse, a thianghlim tak tak thei lo. Mi chi hrang hrang, invawng fai deuh leh tawp deuh te, luphut ngah deuh te nen lam an lut khawm a. Hmanraw pakhat erawh an intawm vek thin. Luphut hi a thlentu chu fungi chikhat dermatophytes an ni a. Inkaichhawn a awlsam hle. Kan hma lawkah luphut ngah tak, sam tih chet zawnga tla ur ur thei khan met ta se, chumi hnuah keinin met chhunzawm ve nghal mai ta ila, luphut kai ve theihna chance hi a sang em em a ni. Nghawnga ringworm inkai chhawn pawh hi awl tak a ni bawk.

           Lumeh zawh dawn hnaih lamah blade hmangin an ziat thin a. Hetah tak hian fimkhur a ngai hle mai. Blade an thlak thin hi a lawmaw. Blade hmanga ziah anih laia intih pem palh vang hian awlsam takin natna a inkai chhawn theih thin. Thisen chhuak awm miah lo leh pem awm miah lo pawh hian natna kai theihna chance a awm tho mai. Blade khan vun an ziat a, vun pawnlang an ziat pan a, a sen tan tan thin. Chutah tak chuan vuna khawsa thin vun natna hrikte tan luhna chance tha lutuk kan siam thin.

          Lumehna dawr hi mi chi hrang hrang fuan khawmna hmun a ni a, mi kan inang lova, taksa kan vawn thianghlim dan pawh a inang lo fo thin. Vawikhat pawh lumet dawr ah lumet turin ka thu a, ka hma ah hian vun natna neiin lu a mehtir a, a dawt chiaha met tur ka ni si a, a phurawm loh asin aw.....Hmanraw pakhat kan intawm vek a, puan pakhat kan insin tawm vek a, min khawiha min kuaiher nawk nawk tu kut pawh a inang vek thin bawk.Kan lumeh dawr te pawh hi tun aia tihchangtlun deuh nise, dawr lian leh zau tha hek hawk, thianghlim tak ni thei se, a duhawm khawp mai.

          Lumehna dawr hi mi zawng zawng inang khat veka kan lenna hmun a ni a. Mihausa te, mirethei te, pawh, lumettu hmaah chuan kan inang tlang vek. A khawpum huapa kan intluktlanna hmun pawimawh tak pakhat niin ka hria.

Naupang leh lumeh dawr

           Lumeh dawrah naupang te takte te, an lu mehtir tumin an nu leh pa te'n an nghahpui ka hmu fo thin. An hriselna tur ka ngaihtuahin kei chuan ka duh ve leh tlat pek lo. Bakcheh ka lei a, inah kan meh sak hmiah zel. Hmanni khan sam nawrna khawl ka lei a, ka nawr sak hmiah hmiah mai. Han tih ve rawih chuan rin aiin a lo harsa lem lo khawp mai. Dawra lumeh hun nghaka an thu ve reng tur te, mi hrang hrang nena an inchiahpiah tur te leh thlatina pawisa senral tur te nen lam kan save hmaks mai. Mahni inlum ah kan met hmiah hmiah a, a tih chi asin aw.

Lu met vrs Sam met

          Lumet tih tawngkam hi mi thenkhat chuan "Lumet tih tur a ni hleinem, sam met tih zawk tur alawm," an ti thin. Sam hi an met ngai lova, bakchehin an chep thin, a nawrna hmanruain an nawr a, chutihlaiin lu an met a, tin, lu an ziat kawlh thin bawk. Sam met tih loh tur a ni a, lu met tih zawk tur a ni.

Mamawh vrs It zawng

             Mihring kan nih chhung chuan mamawh kan nei a, thil it zawng tak kan nei fo bawk thin. Mamawh leh it zawng hi thliar thiam a har ka ti thin hle a. Ka awh zawng chu neih theih ngei tumin ka bei tang tang thin. Hei hi a ka tan a lo that loh zia ka hre chiang hle bawk. Mi te'n an neih avanga neih ve duh tlatna hian kan nun a khawih buai fo thin a. Chutih lain mamawh tam tak kan nei tho bawk si. Chenna tur in kan mamawh laiin car chhuak thar ber ber  te kan awt a, eitur tha kan mamawh laiin eitur tha leinan sum kan ui a, kan eitur tha leina ai aiin mobile phone memory card  te, pen drive te kan lei daih thin anih hi. Zirlai chuan a zirna atan sum tam tak a mamawh a, admission atan te, uniform atan te,  ziakloh bu te, textbook te leh notebook tam tak a mamawh bakah nitina chhuna riltam lova a awm theih nan eitur leina a mamawh bawk thin. A thiante chuan bike emaw scooty emaw an nei thei a, chuvang chuan a nu leh pa te hnenah a awh ve thu a sawi mai a.Tin, a thian te’n mobile phone an neih chuan a awt ve mai thin bawk. Bike leh mobile phone tel lovin lehkha a zir puitlin theih laiin, zirlaibu tello chuan a zir puitling thei hauh lo. Tunhmaa kan mamawh reng reng loh mobile phone te hi tunah chuan mamawh a ni ta, a tello chuan nun a hrehawm lek lek ta mai. Mobile handset hi kan mamawh a, mahse mobile handset manto uchuak tak erawh kan mamawh lem lova, mite leh thian te'n an neih vangin kan it ve mai a ni. Hei hi thudik awmsa a ni. Mahse thudik awmsa reng hi kan zawm ta thin lo va, chu chuan chhungkaw sum leh pai dinhmun a tibuai ta thin a lo ni.

            Thuamhnaw kan mamawh a, mahse manto uchuak tak tak te hi kan mamawh kher lo, kan it vang maia neih ve kan chak thin an ni. Mobile phone ka mamawh a, phone chhuak thar leh man to ber ber ka mamawh kher lo. Chuti chung chuan phone manto neih phak ve hram tumin ka intuak ngat ngat si thin. Mamawhna aiin itna hian min uai thlu hneh zawk a ni deuh ber mai. Computer ka mamawh a, mahse computer manto uchuak ka mamawh kher lo. Foreign a hnathawk kan thian te hi chuan an thla hlawh atanga tlem azawng sik chhuakin laptop te an lei mai a. Keini ve chuan thla tam tak kan inkhawl tang tang hnuah, kan thlakhat hlawh let 3 / let 4 zeta manto laptop te kan lei thin anih hi. Kan duhzawng leh itzawng ah chuan pawisa hi kan lo ui reng reng hleinem maw le. Mobile phone man intuakin thla tam tak kan inkhawl a, kan inkhawl chhungin thil tam takah kan inhrek a, chutah kan han nei ve ta cheng a, a man to zia kan hre zui tawh lova, tuak a harsat zia kan theihnghilh a, kan la dim lo zui em em bawk a. A hmingin hna ka han thawk ve dek dek a, a engamah hmain bike lei ve ka han tum nghal ngawt te kha a va lo atthlak thin ngai em.

Compare chhin ang:
Mamawh leh it zawng hrang hrang a awm thei ang a, chenna hmun a zirin a danglam thei a, kan duhzawng a inang lovin kan mamawh pawh a inang chiah lo thei tih hre tho mah ila tlem a zawng ka han thai lang ve hrim hrim teh ang.

Kan mamawh te:

1)    Chaw tha leh thianghlim
2)    Thuamhnaw
3)    Mutbu
4)    Chenna tur in
5)    Naupang lehkha zir san zelna tur sum
6)    Naupangte an lo than lena nupui/pasal an neih huna senso tur sum
7)    Nu leh pa kan lo thih thut pawha naupang an baihvai loh nan sum lo dah that sak
8)    Damloh nikhua atana hman tur sum
9)    Life insurance
10)   Health Insurance
11)   Retirement fund

Kan it zawng te:

1)    Bike
2)    Car
3)    Mobile phone changkang
4)    Computer chak tha tak
5)    Laptop
6)    Internet Broadband

             Kan it zawng tia ka list chhuah ah pawh khian mamawh chu a awm tho. Mail check nan te, information leh data collect nan te, news chhiar nan te internet kan mamawh a, mahse broadband manto erawh kan mamawh lem lo. Family chuan car mamawh a ni ve a, mahse car manto hi kan mamawh chuang miah lo. Chenna tur In kan mamawh laiin, veng hrang hranga in sak thluah erawh kan mamawh lem lo. Miin "a tha, ti ve rawh" an tih nazawng hi kan mamawh lem lova, mi thil tha neih ang apiang it ve a, neih ve tum thin hi thil thalo tak a ni bawk. Thian thenkhat te'n eizawn nan computer an mamawh ngawih ngawih laiin kei ve chuan games khelh nan computer ka lei a, ka mamawh miah lovah computer ka upgrade thin. Ka tan sum sen thlawnna mai mai a lo ni si thin.

             Mizo te hi bat huai tak kan ni a, mi thil leh pawisa bat mai mai kan ching. Ba neih aiin ba nei lova awm hi a thawven thlak zawk tih kan hre reng. Chuti chung chuan ba neih hi kan pawisa lo hle. Loan lak pawh hi kan huai khawp mai. Ba kan neih chuan kan batna te tan harsatna kan siamsak nasa thei hle ani tih hi hriat reng tur a ni. Zawi zawia pawisa khawl bek bek a, chu pawisa tling khawm atanga thil lei ai chuan pung tam tak neia loan laka rulh leh mai hi kan thlang zawk fo. Neih thuai thuai duhna hian leiba neiah min siam fo thin.

            Thawmhnaw tha, mawi leh smart tak tak ka mamawh laiin, ka mamawh loh zawk thil atan pawisa ka hmang hiau hiau thin hi ka sim a hun ta. Mahni mamawh pawh lei tha ngam lo khawpa mahni itzawng neih tum tlat thinna hi ka tan hmelma lian tak a lo ni.

Life insurance kuthnathawk tan a pawimawh

              Life insurance hi sorkar hnathawk leh sumdawng ho tan chauh emaw tia ngaihsak reng reng lo kan tam khawp chuan ka hria. Sorkar hnathawk chuan a life insure miah lovin thihna tawkin lo vanduai ta pawh nise, GPF, leave salary leh family pension a chhung te'n an la thei dawn thova. Sumdawng pawh a chhung te'n a sumdawnna an chhunzawm thei tho va. Kut hna thawka eizawng thin a boral erawh chuan a chhungte hnutchhiah tur a nei ve lo. Kan unaupa pawh mistiri thiam tak a ni a, a that vanglaia hna a thawh theih lai chuan sum pawh a la lut tam. A nupui leh a fa te'n rual an awt bik miah lo. Mahse a vanduai a, a boral ta hlauh mai. A  nupui leh  a fate pahnih la naupang tak tak te chu an khawngaihthlak khawp mai. A damloh laiin an sum neih ve chhun ang ang an hmanral vek tawh bakah mi pawisa an la ba nual leh nghal. Amah ber a boral a, sum engmah hnutchhiah tur a nei si lo, lusun mangan tawh mai bakah retheih chiah an hmabak ta. An khawngaihthlak kher mai. A fa te ka en a, ka rilru an ti na lutuk. Pa neilo chu an ni ta mai si a le. A that lai leh hna a thawh theih lai khan tlem tham deuh hlek pawhin life insurance te kha lo lei ve hram hram ta se chuan, sum tlemte tal  hnutchhiah tur a nei tur hi a nia aw.... Life insurance hi thingtlangpa tan te, nitin hnathawka eizawng tan te hian a lo pawimawh zia ka hrechhuak ta.

              Nitin ram chhuaka kut hnathawk thin te, mi hnuaia inhlawh thin te, labour te, te ho hian accident thut leh intihpalh ilo fahran tawrh theihna chance an nei sang bik hle a, chuvangin life insurance ah pawh accident claim hi ti tel thei se a tha khawp ang. Tunah hian Post Office ah Post Office Saving Bank account nei ho tan Rs 15 lek sengin kum khat chhung atan accident insurance a tih theih reng. A that ka ring tlat. Eng hnathawk pawh ni ila, kan hna a sang emaw a hniam emaw, life insurance hi chu kan mamawh vek a ni.

               Life insurance hi keimahni tan ani lo tih hriat a tha. Thihna kan lo tawh thut pawha kan hmangaih em em kan nupui-fanau te baihvai taka an awm loh na tura hma kan lak ve theihna awm chhun ani tih hi, keini ho hi chuan kan hre tlangin ka hria a; kan unaute, kut hnathawka eizawng thin te hian life insurance pawimawh zia hi hre mawlh rawh se. 

              Tunlaiah mi tam takin life insurance hi sum peipunna emaw an ti thin. Sum dah that emaw, tlem tlema dah khawl duh tan chuan saving bank leh recurring deposit hi a tha khawp a; sum peipung duh tan chuan mutual fund leh online trading te hi an tha. Life insurance erawh thil dang daih a ni a, ngaih pawlh chi pawh a ni chiah lo. Kum thum hnuah a letin a pung thei tih ang chi te phei hi chu e, life insurance nen a inper san lutuk; tlanchhiat san a him ber.

               Nitina kuthnathawka eizawng pakhat chuan a thenawmpa hnenah "Kum 60 ka tlin thlengin, thlatin bahlah miah lovin Rs 295 ka pe char char ang chia, tichuan kum 60 ka tlin veleh ka pek tawh zawng zawng che tling khawm bakah a pung nen min pe let leh vek la. Eng hunah pawh lo boral palh ta ang ila, ka chhungte hnenah Rs 100000 lo pe ang che," ti ta se. A thenawmpa chuan a duh ang em? Hei hi life insurance chu a ni.

                Chhungkaw chawmtu ber leh hnathawktu ber a lo boral hian, chhungte tan hmabak a thim hle a. Thlatina a sum lo lakluh thinte kha a tawp hmak tawh dawn si. In luah man, tui bill, electric bill, buhfai, chawhmeh, thuamhnaw, naupang sikul kalna atana mamawh chi hrang hrang pawh a pangai rengin a hautak reng dawn bawk si. Ei awngtu pa ber damlaia an mamawh ang awng zawng kha an la mamawh vek bawk si. Engtin nge a chhungte an lo awm tak ang le? Tu in nge chawm ta ang a, tu in nge chhungkua enkawl  zui ta ang? Midangin maw? Midangte chuan anmahni chhungkua, nupui, fanau te enkawl tur an nei dawn asin. Inunauna avanga chaw in chhum kep mai chu thil har a ni lo mai thei, sikul tha ber ber fate indah kep chu a harsa talh tawh ang. Sumdawnna lam han ti ve ngawt dawn se bul tanna tur sum a ngai tam si. Sumdawnna tenau tala bul tan ve theihna tur khawp insurance kan lo nei anih hlauh chuan kan nupui leh fa te tan a va hlu dawn tak em. Life insurance ah kan luman Rs 500,000 vel tal kan nei thei anih chuan, kan thihsan tak kan chhungte'n sumdawnna tur atan tal bul tanna an lo nei ve thei ang a, tichuan rethei berh lutuk leh kutdawha miina lut lawr mai mai lo tur leh, kan fate mi hmuhsit mai mai an lo chang mai tur lak atangin kan chhanhim thei dawn a lo ni.

              Tin, life insurance kan lei dawn anih rau rau chuan, agent te fak mawi satliah apiang kha lei loh tur. Lo thi boral palh ta ila, ka chhungte tan a eng hi nge hlawk ber ang tih hi ngaihtuah hmasak ber tur. Thih thut thla veng atan chuan term insurance a tha ber a, a hlawk ber a, a man a tlawm ber bawk; mahse kan dam anih chuan motor insurance ang deuhin pawisa hmuh let a awm ve lo. Insurance tih hma in accident benefit te, sum raider benefit te, waiver benefit te, permanent disability benefit te, uluk taka zir chian hmasak tur a ni. Insurance document uluk taka vawn fel thlap tur a ni a. Premium hi agent te kut ah pek loh tur. Mahni ngeiin office lama submit tluk a awm lo. Tunlaiah internet kan hmang lar zel tawh a, online hmanga premium pek a awlsam khawp mai. A tawp ber ah chuan dam hi a hlu ber a, hlawk tum ranin insurance tih loh tur; "ka lo boral thut palh takin...." tih rilru pu chungin life insurance nen inremsiamna sign chauh tur.

              Life insurance lam pang ziak ve tur hian financial planner ka ni lo va, life insurance agent ka ni bawk hek lo. Kan unaupa thihna hian thingtlangpa tan pawha life insurance lo pawimawhzia min hriat chian tir ta hle a; chu chuan hetiang thu hi ziak lo thei lovin min siam ta anih hi. Ka thuziak hi in hriat hnu vek a ni hlawm ang tih hre rengin inthlahrung tak chunga ka ziak a ni. Tunlaiah thingtlang kilkhawr tak atang pawhin gprs hmangin miin internet an lut zung zung thei tawh a, chuvangin thingtlang lam ami te pawhin engtik ni ah emaw chuan  an lo la chhiar ve mahna tiin ka han ziak ve mai a ni e.

Sorkar hna thawk ve lo tan Pension

            Nimin chu kan chhung lamhnai tak nu pakhat, kan inah chaw a rawn ei a, a riak nghal bawk a. Amah a upat tawh tehlul nen, fa te zara nuamsa taka awm der der thei tawh tur a ni na in, ram lam hna thawkin tuktin a la chhuah thin thu a sawi a. Chutiang bawkin a pasal pawh a ni ve tho va; tuktin hnathawkin an chhuak dun thin. Lo an nei a, hlo thlawh leh buhseng hnaa an neih mai bakah thing phurh leh chakkhai laa ram lama chhuah a ngai reng thin. Inhlawhna awm thei ang angah an inhlawh ve thin bawk. Kum 60 zeta upa an ni tawh na a, nitin hna thawk lovin an awm thei chuang lo. An thawh loh chuan an nghei a ni mai dawn si a.Kum kha leh chen rim taka hna an lo thawh tawhna ah khan pension a awm ve si lo. Pension hlawh la a, thlamuang taka awm der der tawh rual an ni asin maw le.

            Mi pakhat pawh sorkar hna a hmuh loh vangin private sikul ah a inhlawh thin a. A thatlai hun chhung zawngin zirtirtu hna a thawk a; a thla hlawh bakah home tution te pein sum a lalut ve nual thin. A lo upa ta a, a hna atangin a lo chawl ta a. Sorkara lama a thawhpui te'n GPF an chhuahpui teuh bakah thlatin pension hlawh an la neih zui laiin, ani erawh chu a "mai par thlawn" tawp mai ve thung. A va khawngaihthlak tehlul em. 

            Sorkar hnathawk ni ve lo tan hian pension awm ve thei miah lo tura kan ngai tlat thin hi a pawi a, he ngaihdan hi kan paihbo a hun takzet tawh a ni. Kum a lo upat hnua pension nei thei tur hian sorkar hna kan thawh kher a tul lo. Tunah chuan Insurance Company rintlak tak tak te kan ramah an lo lut ve thei ta a. Heng Insurance Company te hian Pension scheme tha tak an nei a. Heng scheme te hi zawm tum ve ta hram hram hlawm i la, tichuan sorkar hna thawk kher lo pawhin, kan duha kan tum anih phawt chuan pension tha tak kan nei ve thei dawn ani. 

           Sorkar hnuaia thawk te chu, sorkarin an thla hlawh atangin thlatin an cut sak a, chu chu EPF ah an chhung lut thin. Hei bakah hian D.A. thenkhat sorkarin a pek kim lohte an chhunglut bawk a, tin, arrear awm ang ang te pawh hetah hian an chhunglut vek thin. Hei vang hian an pension huna an lak pawh a tam em em thin.

           Insurance Company hnuaia pension plan kan zawm ve dawn anih chuan, sorkar hnathawk te ang bawkin thlatin pawisa kan chhun luh ve a ngai a. Hetianga thlatina pawisa dah zat zat thin hi mizopa peihna hian a tlin meuh thin lo. Thla khat chhunga income atang a 10% tal pension scheme ah hian chhun luh ni ta se. A aia tlem pawh a theih tho va, mahse a tam lam apiang a tha. He thlatina kan submit hi, zawi zawiin a lo inkhawlkhawm ang a, kan lo dah tam deuh anih pawhin, kan upat hnuah azavaia kan ta vek tho tur a ni. Vanduaithlak taka a hun hmaa kan lo boral palh anih chuan luman kan nei dawn a, kan pawisa lo dah tawh zawng zawng leh kan luman chu kan chhung te'n an la chhuak vek thei ang.Pathian zara kan damrei anih hlauh chuan sorkar hnathawk te'n GPF an lak chhuah thin ang kha kan la chhuak ve ang a, chumi hnuah thlatin pawisa kan la chhuak ve thei bawk ang. Tichuan, kan that lai chhung zawnga rim taka hna kan thawh te kha, kan lo tar ta a, hna kan thawh peih tawh loh hnuah pawh thlatin hlawh lak tur kan nei ve thei tawh dawn tihna a lo ni ang.

            Pension hi sorkar hnathawk tan chauh emaw kan ti thin hi a dik lo va. Kuthnathawka ei zawng thin pawhin, a tuma a duh anih phawt chuan Pension tha tak amah leh amah a insiam ve thei a. Sorkar office a MR a thawk te, private firm lama thawk te, sumdawnna lam khawih thin te zawng zawng pawhin Pension tha tak an lo nei ve thei tawh ang. Pension neih ve duh tan chuan heng insurance company SBI Life, LIC,  Birla Sun Life, ICICI Prudential, Bajaj Allianz, etc., ah te hian zawh fiah mai chi a ni ang. Heng Insurance Company te aia retirement scheme tha zawk EPF hi, mipui te tana phalraiin kan sorkar hian han tlangzarh thei se aw.