Punjabi
Punjabi Punjabi
Awmdn ivcoN Krcy ƒ Gtwau: kI hovygw jy quhwfy Krcy quhwfI Awmdn qoN v`D hox? koeI AnoKI g`lnhIN hY[ quhwfy kol iqMn ivklp hn: Krcy Gtwau, Awmdn vDwau jW dovy[Krcy Gtwau: KricAW ƒ Gtwaux dy keI qrIky hn ijvyN Awpxy kirAwny dy Krcy ƒ Gtwaux qoN lYky guxv`qw nwl smJOqw kIqy ibnHw G`t lwgq vwlI cIzW KrIdxw[ mhIny dy Asl Krc ƒ AwpxyduAwrw iqAwr kIqy bjt ivc drj KricAW nwl qulnw kro[Awmdn vDwau: Awpxy kMm ivc kuSlqw vDwau jW AijhI QW nOkrI kro jo izAwdw pYsw dy rhI hovyjW Awpxy SOk nwl krn vwly kMmW qoN pYsw bxwau[ bcq au~qy koeI ieko inXm lwgU krnw AOKw huMdwhY ikauNik ieh aumr Aqy Awmdn dy muqwbk bdldw hY[ 10% iek cMgI SurUAwq rhygI[ jy quhwƒieh bhuq izAwdw lgy qW prySwn hox dI loV nhIN hY, qusIN hr mhIny QoVI-QoVI rwSI AwpxIAwmdn ivcoN bcq kr ky SurU kr skdy ho ijs ƒ bwAd ivc vDw skdy ho[kwrjAwpxy leI mhIny dw iek bjt iqAwr kro ijs ivc iksy vI pRkwr dI Awmdn jo quhwƒ mhIny ivcho skdI hY ƒ joVo Aqy aus ivcoN hr mumikn Krcy ƒ jo quhwƒ lgdw hY ik ho skdw hY ƒ Gtw idau[ies kwrj ƒ mhINy dy SurU ivc krn zrUrI hY qW jo quhwƒ ieh AMdwzw ho skdy ik invyS leI quhwfykol ikMnHI rwSI bcygI[ inXm qW kihMdy hn ik quhwƒ AwpxI Awmdn dw 20% bcwauxw cwhIdw hY[ies kwrj ƒ pUrw kro Aqy dyKo ik kI qusIN ies siQqI ivc ho[a: Awmdnqn^whikrwieAwhr mhIny dw ivAwjpUMjI lwBvpwrhor sroqkul AwmdnA: KrcysPr Aqy XwqwXwqKwxw Aqy hor aupXogI vsqWikrwieAwPursq vwly smyN ivc KrcwbImy dI ikSqb`icAW dI pVHweICu`tIAWhor Krcykul Krcye: bcq = Awmdn – Krcyquhwfw mhIny dw bjtieh dyKx leI ik kI qusIN 20% bcq kr rhy jW nhIN, quhwƒ isrP AwpxI bcq ƒ 100 nwl guxwkr ky kul Awmdn qoN aus ƒ Bwg krnw hY[ jy nqIjw 20 qoN G`t hY, qW ies dw mqlb hY ik qusIN&zUl Krcw bhuq kr rhy ho qy quhwƒ bcq krnI SurU kr dyxI cwhIdI hY… kdy vI bhuqI dyr nhINhoeI huMdI[12
mhIny dw ivl`Kx bjtjnvrInW: ikRSnn, aumr: 59 swl, pySw: kMpnI pRbMDkAwmdn rwSI (rupey) Krcy rwSI (rupey)qn^wh 75,500 zrUrI (eI.AYm.AweI) 32,500invyS qoN Awmdn 6,000 rihx dw Krcw 28,700pYnSnhor Krcyhor sroq pI.AYP/AYl.AweI.sI 10,500Awmdn 81,500 Kul Krcw 71,7008. Asl injI kImq dw kYlkulytrquhwfI Asl kImq sOKy qrIky nwl pqw cl skdI hY, bs AwpxI dyxdwrIAW ƒ jo kuJ quhwfy kol hYaus dI kImq ivco Gtw idau qW quhwfI Asl kImq/mul pqw cl jweygI[ iv`q sMbMDI Xojnw bxwauxleI pihlw kMm ieh hY ik qusIN pihlW ieh jwxo ik AwriQk qOr ’qy A`j quhwfI siQqI kI hY, Bwv,Awpxw Asl mul jwxo[ quhwfw Asl mul, jo quhwfy kol hY Aqy jo qusIN dyxw hY, dw &rk hY:quhwfIsMp`qIquhwfIdyxdwrIAWquhwfwAsl mu`lSwml hY injI AiDkwrvwlIAW cIzW, g`fIAW,Gr, bcq, Kwqy Aqy bImwpwlsIAW dI nkd kImq[invyS dI kImq- iSAr,rIAl AYstyt, jmw kIqIrwSI, pI.AYP Kwqw[Gr leI ilqy irx dIbkwieAw rwSI, krYiftkwrf nwl sMbMiDq irx,kwr dw irx, injI irx,dyx vwlw Aweykr Aqy horbcy hoey ibl[Awpxw sl mul smyN-smyN aupr, ijvyN hr iqMn mhIny qy dyKdy rho Aqy aus ivc Aw rhy bdlwvW dwiDAwn rKo[ jy quhwfw Asl mul v`D irhw hY qW ies qoN Bwv hY ik qusIN AwriQk qOr ’qy cMgIsiQqI ivc Aw rhy hY[Asl mu`l dw ihswb krn vyly QlHy id`qIAW cIzW dw iDAwn rKo :1. bwzwr ivc cl rhI kImq/imlx vwlI kImq dw iesqmwl kro[2. jy iblkul shI nw kr pwau qW AMdwzw hI kr lau[3. QoVw purwqn pMQI rho[4. &zUl dy ibaury ivc nw pau[13
- Page 1 and 2: qqkrw1. jwx pCwx2. syvw-inivRqI dI
- Page 3 and 4: 1. ikMnI AwmdndI loV hY,inrDwirq kr
- Page 5 and 6: Awpxwiv`qI lyKwjoKwiek`Twkro[Awpxyl
- Page 7 and 8: B`ivK leI bxweI Xojnw ivc inrDwirq
- Page 9: qusIN invyS krdy ho qW qusIN jo^m l
- Page 13 and 14: Xwd rKo ik ieho ijhy mwfl iksy Kws
- Page 15 and 16: 11. mudrw siPRqI dw invyS qy pRBwvj
- Page 17 and 18: syvw inivRqI vyly Krcy ikauN G`t ho
- Page 19 and 20: 13. invyS iek pRkwr dw r`bI hukmhyT
- Page 21 and 22: ivc iek muSq (iek`Tw) Bugqwn kr skd
- Page 23 and 24: AYn.ey.vI. (a) iekweI (jykr qusIN s
- Page 25 and 26: invyS mOikAW dw qulnwqmk ivSlySxvwp
- Page 27 and 28: AiBAwssRI rwjyS iek in`jI kMpnI qoN
Awmdn ivcoN Krcy ƒ Gtwau: kI hovygw jy quhwfy Krcy quhwfI Awmdn qoN v`D hox? koeI AnoKI g`lnhIN hY[ quhwfy kol iqMn ivklp hn: Krcy Gtwau, Awmdn vDwau jW dovy[Krcy Gtwau: KricAW ƒ Gtwaux dy keI qrIky hn ijvyN Awpxy kirAwny dy Krcy ƒ Gtwaux qoN lYky guxv`qw nwl smJOqw kIqy ibnHw G`t lwgq vwlI cIzW KrIdxw[ mhIny dy Asl Krc ƒ AwpxyduAwrw iqAwr kIqy bjt ivc drj KricAW nwl qulnw kro[Awmdn vDwau: Awpxy kMm ivc kuSlqw vDwau jW AijhI QW nOkrI kro jo izAwdw pYsw dy rhI hovyjW Awpxy SOk nwl krn vwly kMmW qoN pYsw bxwau[ bcq au~qy koeI ieko inXm lwgU krnw AOKw huMdwhY ikauNik ieh aumr Aqy Awmdn dy muqwbk bdldw hY[ 10% iek cMgI SurUAwq rhygI[ jy quhwƒieh bhuq izAwdw lgy qW prySwn hox dI loV nhIN hY, qusIN hr mhIny QoVI-QoVI rwSI AwpxIAwmdn ivcoN bcq kr ky SurU kr skdy ho ijs ƒ bwAd ivc vDw skdy ho[kwrjAwpxy leI mhIny dw iek bjt iqAwr kro ijs ivc iksy vI pRkwr dI Awmdn jo quhwƒ mhIny ivcho skdI hY ƒ joVo Aqy aus ivcoN hr mumikn Krcy ƒ jo quhwƒ lgdw hY ik ho skdw hY ƒ Gtw idau[ies kwrj ƒ mhINy dy SurU ivc krn zrUrI hY qW jo quhwƒ ieh AMdwzw ho skdy ik invyS leI quhwfykol ikMnHI rwSI bcygI[ inXm qW kihMdy hn ik quhwƒ AwpxI Awmdn dw 20% bcwauxw cwhIdw hY[ies kwrj ƒ pUrw kro Aqy dyKo ik kI qusIN ies siQqI ivc ho[a: Awmdnqn^whikrwieAwhr mhIny dw ivAwjpUMjI lwBvpwrhor sroqkul AwmdnA: KrcysPr Aqy XwqwXwqKwxw Aqy hor aupXogI vsqWikrwieAwPursq vwly smyN ivc KrcwbImy dI ikSqb`icAW dI pVHweICu`tIAWhor Krcykul Krcye: bcq = Awmdn – Krcyquhwfw mhIny dw bjtieh dyKx leI ik kI qusIN 20% bcq kr rhy jW nhIN, quhwƒ isrP AwpxI bcq ƒ 100 nwl guxwkr ky kul Awmdn qoN aus ƒ Bwg krnw hY[ jy nqIjw 20 qoN G`t hY, qW ies dw mqlb hY ik qusIN&zUl Krcw bhuq kr rhy ho qy quhwƒ bcq krnI SurU kr dyxI cwhIdI hY… kdy vI bhuqI dyr nhINhoeI huMdI[12
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