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jha;tPL


• etk;gu;


cq;fs; fld; #oiyj; jtpUq;fs;


xUtu; fld; thq;fg; gy fhuzq;fs; ,Uf;fyhk;. fPo;fz;l fhuzq;fSf;fh ePq;fs; fld; thq;f Kw;glyhk;.


cq;fs; tPl;il GJg;gpf;fNth my;yJ cq;fs; tho;ehs; Mirahd xU gazj; ij Nkw;nfhs;sNth ePq;fs; tpUk;gyhk;.


xOf;Fs;s xU $iuia gOJ ghHj;J rhp nra;tJ Nghd;w mjpf nryit ,Oj;Jitf;Fk; rpy nghpa Ntiyfis nra;J Kbg;gjw;F cq;fSf;F gzk; Njitg;glyhk;.


ePq;fs; thq;Fk; ,e;j fldpy; xU Fwpg; gpl;l njhifia cq;fs; jdpg;gl;l tplaq;fSf;fhf ePq;fs; nrytpl cq;f Sf;F mDkjp cz;L. ePq;fs; ngw;w fld;fSf;F ePq;fs; tl;b nrYj;j Ntz;Lk;. Mdhy; ,e;j flid cq;fs; cgNahfj;jpw;F ePq;fs; gad;gLj;jhky; tq;fpapNyNa ,Ue;jhy; tl;b nrYj;j Ntz;bajpy;iy. ePq;fs; tpUk;gpagb cq;fs; fldpypUe;J vt;tsT gzj;ij Ak; ePq;fs; gad;gLj;jyhk;. cq;fSf;F fld; je;jtH tpjpj;Js;s epge;jidapd;


gb> khjhe;jpu jtizfis ePq;fs; xOq;fhf fl;btpl Ntz;Lk;. jtiz fs; vd;why; tl;bAk; kw;Wk; mry;


ifa jdpg;gl;l fld;fis mspf;fpd; wd. Online %yKk; ePq;fs; tpz;zg; gpf;fyhk;. ngUk;ghyhd tq;fpfsplkp-


fld; vDk; #oypy; rpf;fptplhjPHfs;.


cq;fs; nryT tUkhdj;jpw;Fl;gl;ljhf ,Uj;jy;Ntz;Lk;.


Fiwe;j tl;b cs;s fld;fshfj; Njhd;wpdhYk; mJ fld; vd;gij kwe;jplhjPu;fs;.


gzKk; NrHe;jpUf;fyhk; my;yJ tl;b kl;Lk; ,Uf;fyhk;.


tq;fpfs; kw;Wk; Credit Unionfs; ,j;j


Ue;J cq;fs; Chequing my;yJ Nrkpg;G fzf;Ffspd; Nghpy; ePq;fs; Over draft ngwyhk;. cq;fs; ,Ug;Gf; fzf;F g+[;aj;ij tplf; Fiwe;J tpl;lhy;> ePq;fs; nrYj;j Ntz;ba mry;> tl;b kw;Wk; gpwfl;lzq;fis tq;fp cq;f Sf;F mspf;fg;gl;l> Over draft ,y; ,Ue;J tuT itj;Jf; nfhs;Sk;.


,e;j jdpg;gl;l fld;fs; (PLCs) Unsecured my;yJ Secured vd ,uz;L tiffspy; fpilf;fpd;wd. Secured flid nghWj;j tiuapy;> mjd; ghJfhg;gpw;fhf GICs my;yJ cq;fs; tPl;bd; Nghhpy; cs;s equity ,Uf;Fk;. ,jw;F tl;b Fiwthf jhd; ,Uf;Fk;. NkYk; Fiwe;j njhif fspyhd jtizfspy; ePz;l fhyk; fl;lKbAk;.


5000 Kjy; 500>000 nlhyH tiu jdpg; gl;l fldhf ePq;fs; ngwKbAk;. ,J Secured tif fldh my;yJ mg;gb ,y;iyah vd;gJ> ePq;fs; ,g;NghJk; milf;f Ntz;ba gpwfld;fs;> mjhtJ cq;fs; thfdf; flDf;fhf ePq;fs; nrYj;j Ntz;ba jtizfs;> mlkh df; fld;fs; kw;Wk; Vida fld;fs; Mfpatw;iw nghWj;J mikAk;.


,e;j flid ePq;fs; Cheques vOjpNah> ATM y; ,Ue;Njh my;yJ cq;fs; kw;w ,Ug;Gf; fzf;Ffspy; ,Ue;Njh ePq;fs; ngwKbAk;. Mdhy; cq;fSf;F fpilf; Fk; ,e;j gzk; ntWk; fld; jhd;. Mifahy; ePq;fs; vt;tsT gzj;ij nrytopj;jhYk; mij jpUk;g milf;f Ntz;Lk; vd;gij kl;Lk; epidtpy; itAq;fs;.


ehY Ntiy ehafd;:


“Darlin! >twV¬Ô^ ÷_ÈV> ÷¶›]È T| ºkbÿ\ı|>Vº™ ÷∫Ô move √ıË™™V∫Ô^. Why r u getting mad now?”


“Hun! First c]È ÿ>ˆl≈ √MT‚ΩÈ ÷ÚÕm >tµ© √V‚| ºÔ‚|m” “No way darlin! ¿˙ ∞mD Ô™° ÔıΩÚ©¨˙”


“÷©√ ∂m¬z^·lÚÕm kÕm t·ÔVF›#^ xΩfi∑m, >ÚsBº·V ®ı| ºÔ¬˛™D. ÷ΩB©√xD ∂sfl∑¬ z|¬˛≈ÁkBVD.”


ftdf;Fiwthf thfdk; nrYj;JNthiuf; fz;fhzpf;f gphpj;jhdpahtpd; M27, M3 ngUe;njUf;fspy; 5 ehl;fshff; fhty;JiwapdH Nkw;nfhz;l Nrhjid eltbf;if nahd;wpd; NghJ rpy tpy;yq;fkhd rhujpfs; cyFf;F mwpKfg;gLj;jg;gl;Ls;sdH. thfdk; nrYj;jpf;nfhz;Nl gpaH]; gonkhd;iwf; fj;jpahy; ntl;br; rhg;gpl;ltH mg;gbahd nfl;bf;fhuHfSs; xUtH. ,d;ndhU #uhjp #ud; kbf;fzpdp gad;gLj;jpf;nfhz;L thndhypapy; Nfl;fg;gl;l Nfs;tpapd; tpilia xU Jz;Lj;jhspy; vOjpf;nfhz;L Nfhg;gpAk; Fbj;Jf;nfhz;L Nghjhnjd;W thfdKk; nrYj;jpf;nfhz;bUe;jhH. tPbNah gjpthfTk; ,tupd; nfl;bj;jdk; fhty;Jiwaplk; cz;lhk;.


ehY Ntiy ehafd;... kjpg;ghu; ahUkpy;iy.


Credit Card fSf;fhd tl;bia tpl jdpg;gl;l fld;fSf;fhd tl;b kpfTk; FiwTjhd;. tof;fkhf ,J tq;fpapd; tl;bia tpl 1 Kjy; 3 rjtPjk; mjpf khf ,Uf;Fk;. rpy department store Credit Cardfs; 28 rjtPjk; tiu tl;b tpjpj;- Js;sd. ePq;fs; mjpf gzk; ghf;fp itj;jpUe;jhy; tl;b tpfpjq;fspd; Vw;- wj;jpd; NghJ ePq;fs; mjpf njhifia fl;lNtz;bapUf;Fk;.


ePq;fs; thq;Fk; fld; ftHr;rpfukhd yhgj;ij jUk; rpwe;j KjyPl;by; itg; gplg;glNtz;Lk;. cq;fs; tpw;gid ngUfp ePq;fs; yhgk; rk;ghjpg;gJ tiu ePq;fs; Fiwe;j njhifia jtizfshf fl;bdhNy NghJk;. ePq;fs; %yjdkhf Nghl;l cq;fs; fld; njhiff;F> ePq;fs; tl;b nrYj;j Ntz;bajpy;iy. ePq;fs; xU nghpa RRSP gq;F thq;f fld; thq;FfpwPHfs; vd;why;> ePq;fs; mjpf msT thp tpyf;F ngwKbAk; vd;W rpy epjp MNyhrfHfs; ghpe;Jiu nra; fpwhHfs;.


ePq;fs; line of Credit Insurance IAk; thq;f KbAk;. cq;fSf;F fhak; Vw;glNth my;yJ kuzk; NehplNth nra;jhy;. ePq;fs; mjw;F Nky; jtizj; njhif fs; fl;lNtz;bajpy;iy. kPjKs;s gz Kk; cq;fs; fzf;fpy; tuT itf;fg; gLk;. ePq;fs; tpUg;gj; NjHT nra;Ak; ed;ikfis nghUj;J> Insurance thq;f khje;NjhWk; xU rpy nlhyHfs; ePq;fs; cq;fs; fld; jtizj; njhifAld; nrYj;jpdhNy NghJk; cq;fSf;F fld; jUgthplkpUe;Njh my;yJ NtW xU Insurance epWtdj;jplkpUe;Njh ePq;fs; Insurance thq;f KbAk;.


fld; vDk; #oypy; rpf;fptplhjPHfs; cq; fs; fz;zpy; gl;l xU gfl;lhd tPl;Lf;Ff; Njitahd jsghlk; thq;f cq;fSf;F Mirahf jhd; ,Uf;Fk; my;yJ ePq;fs; thq;Fk; fld; xU $Ljy; tUkhdk; Nghd;W cq;fSf;F Njhd;wj;jhd; nra;Ak;. Fiwe;j tl;b cs;s Credit Card fld;fis epiwa thq;fp xU fld; Roypy; ePq;fs; rpf;fp jtpg;gijj; jtpUq;fs;.


surendran.sornalingam@thaiveedu.com RNud; nrhu;zypq;fk;


2011


jha;tPl;bw;fhf fUj;Njhtpak; rpt.khKdp - 2011


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