Tamil Life Insurance Guide

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md;G tzf;fk;. MAs; fhg;gPl;Lj; Jiw gy;NtW fhyfl;lq;fspy; gy;NtW khWjy;fis re;jpj;J tUfpwJ. xt;nthUKiw murhq;f Mizak; (IRDA) newpKiwfis tFf;Fk; NghJk; thbf;ifahsu; eyidNa fUJfpwJ. ,jdhy; MAs; fhg;gPl;L tzpfk; NkYk; nghyptile;J rupahd tbtk; ngWfpwJ. ,e;j Neuj;jpy; ehk; xd;iw kdjpy; nfhs;sNtz;Lk;. vy;yhk; ed;ikf;Nf..! MAs; fhg;gPL vd;gJ xt;nthU kdpjDf;Fk; ,d;wpaikahj jpl;lk; MFk;. ePq;fs; ,e;j ,d;wpaikahj jpl;lj;jpid rpwg;ghf tbtikj;J cq;fsJ thbf;ifahsUf;F toq;Ftjd; %yk; fpilf;Fk; tUkhdj;ij ngWfpwPu;fs;. cq;fSld; gyu; MAs; fhg;gPl;L Kftu;fshf Nru;e;jhu;fs;. xUrpy khjq;fspy;> gyiu fhzKbtjp;y;iy. XupU tUlq;fspy; ngUk;ghyhNdhiu ,t;tzpfj;jpy; fhzKbtjpy;iy. Mdhy; xUrpyu; kl;LNk ePbj;J epiyf;fpwhu;fs;. ,J kpfTk; tUe;jj;jf;f xd;W my;yth? mjpfkhd fhg;gPl;L Kftu;fs; kw;Wk; tpw;gidahu;fs; ,Ue;jhy;jhd; ,e;jpahtpd; vjpu;fhyk; eykhf mikAky;yth? cq;fSf;F tpag;ghf Njhd;wyhk;. mjpf Kftu; kw;Wk; t p w ; gida hsu ; MAs ; f hg ; g P l ; L tz pfj ; j p y ; ,Ue ; j hy ; vg ;gb ,e ;j pahtpd ; vj pu ;fhyk ; tskhf ,Uf ;Fnkd ;W. ,J cz;ikjhd;. xu jdpkdpjdpd; nghUshjhu epiyg;ghL vd;gJ> mtu; ve ;jnthU epiyapYk; mtUf;Fk; mtiu rhu ;e ;jtUf;Fkhd NjitfSf;fhf gpwiuNah> muirNah rhuhky; ,Ug;gJ. mjhtJ> ekJ kw;Wk; ek;ik ek;gpAs;Nshu; md;whl tho;thjhuj;jpw;fhd mstpw ;fhtJ nghUshjhuj ;ij Nrkpj ;J itj;Jf ;nfhs;tJ. cjhuzj;jpw;F xUtUila FLk;gj;jpw;fhd khjhe;jpur; nryT &.10>000 MfpwJ vd;why;> me;j FLk;gj;jpd; rk;ghjpf;Fk; jiy-tUf;F vd;d MdhYk; ,e;j &.10>000 khjhkhjk; njhlu;e ;J fpilf;fNtz;Lk;. khjk; &.10>000 fpilf;f Ntz;Lnkd;why;> Fiwe;jJ 12 yl;rq;fis tq;fpapy; nlghrpl; Mf NghlNtz;Lk;. ,e;j njhi-fahd 12 yl;rq;fis Nru;f;f eLj;ju FLk;gq;fSf;F gy Mz;Lfs; MFk; my;yth? Mdhy; me;j jiytu; mj;jid Mz;Lfs; capUld; tho;thu; vd;gjw;F vd;d cj;jputhjk;? cldbahf 12 yl;rj;jpw;fhd xU nrhj;ij mtu; thq;fNtz;Lnkd;why; mjw;fhd xNu jPu;;T MAs; fhg;gPL kl;LNk. mtUila tUkhdj;jpy; Mz;Lf;F &.3500 g pu pkpak; nrYj;j pdhy; ,wg ;g pd ; NghJ 10 yl ;rKk; > t pgj ;j pdhy ; Vw ;gLk ; t pgj ;j pd ; NghJ 20 yl ; rKk ; mtuJ FLk;gj;jpw;F fpilf;Fk;. ,t;thW xt;nthUtUk; jd;idAk; jdJ FLk;gj;ijAk; Nrkpg;Gld; $ba MAs; fhg;gPl;L jpl;lj;jpd; %yk;; nghUshjhuj;jpy; jd;dpiwT mile;jhy;> ekJ ehl;bd; ,ytr kw;Wk; rYifj;

Mrpupau; $w;WMrpupau; $w;WMrpupau; $w;WMrpupau; $w;W


jpl;lq;fs; mbNahL epd;WNghFk;. ,t;thW rYif kw;Wk; ,ytr j pl ;lq ;fs ; e pd ;WNghdhy ; > mur pd ; fUT+yk ; e piwe ;J ehL ty;yurhFk; . ,d;W ek; ehL mjd; ngUk;gFjp tUkhdj;ij> cjtpj;jpl ;lq;fSf;Nf toq;fptpLtjhy; fl;likg;G trjpfs; > Nkk;ghl;Lj;jpl ;lq;fs; Mfpatw;wpw ;F ekJ ehL fld; thq;fp tUfpwJ. NkYk; ,tw;iw KOikahf nray;gLj;j Kbtjpy;iy. ,g;NghJ $Wq;fs;> mjpf MAs; fhg;gPl;L tpw;gidahsu;fs; kw;Wk; Kftu;fs; ,Ue;jhy;> ekJ ehl;bd; mNdfkhdtu;fSf;F MAs ; f hg ; g P l ; L j p l ; lq ; fis toq ; f p > mtiuAk ; > mtu ; FLk;gj;jpdiuAk; nghUshjhu jd;dpiwT epiyf;F Mshf;fp ehl;il tsg;gLj;jyhk; my;yth? ,e;j Gj;jfj;jpid ehd; 3 tUlq;fshf vdJ gzpfSf;F eLtpy; vOjpf;nfhz;bUf;fpNwd;. ,jw;fhd xNu fhuzk;> MAs; fhg;gPl;L tzpfj;jpy; mjPj ek;gpf;ifAld; NrUfpw midtUk; ntw;wpahsu;fshf njhluNtz;Lk; NkYk; ekJ jha;j;jpU ehl;il tskhdjhf khw;wpl ek;khy; ,ad;w ,j;njhopiy nrt;tNd nra;jpl Ntz;Lk; vd;gNj. ehd; vdJ 15 tUl tpw;gid kw;Wk; tzpf Nkyhz;ik mDgtj ; ijAk ; > vdJ 7 tUl MAs ; f hg ; g P l ; L tz p f mDgtj;ijAk; Mjhukhf itj;J ,e;j Gj;jfj;ij cq;fSf;F mw;gzpf;fpNwd;. ehk; ve;jxU njhopiy Jtq;Fk; NghJk;> mjpy; cs;s ntw;wpahsu;fspd; tof;fq;fisNa Kjypy; gpd;gw;w Ntz;Lk;. ey;y mDgtq ; fSf ; F g ; g p wF N tz ; L k hd hy ; e kJ n r h e ; j Nfhl;ghLfisAk; topKiwfisAk; tFj;Jf; nfhs;syhk;. ehk; ntw;wpngw Ntz;Lnkd;why; ntw;wpahsiu gpd;gw;wpdhy; kl;LNk NghJk;. ,JNt ntw;wpapd; jhuf ke;jpuk;. vdNt MAs; fhg ;g Pl ;L tzpfj; njhopiy VNjh xU thUkhdj ;j pw ;fhd Vw ;ghL vd;W kl ;Lk ; fUjhky ; > ehl ;bd ; vjpu;fhyj;ijNa khw;wpg;NghLk; tha;g;ghf fUjp KO <Lghl;Lld; nray;gl;lhy; ehKk; Kd;NdWtNjhL> ehl;ilAk; Kd;Ndw;wyhk;. ,e;j Gj;jfj;ij ehd; vOJtjw;F Kf;fpa fhuzk; cz;L. vy ; y ht p j jFj p fs ; ,Ue ; Jk ; > N g h j p a Mu ; tk ; kw ; Wk ; ciog;G ,Ue;Jk; gyu; ,e;j njhopypy; ntw;wpailahky; NghdJ kpf kdNtjid mspf;fpwJ.xt;nthU Kftupd; Njhy;tpapYk; tpw;gid Nkshyupd; mauhj ciog;G tPzbf;fg;gLfpwJ. MAs; fhg;gPl;Lj; njhopypy; tpLgLNthu; vz;zpf;if Fiwa Ntz;Lnkdpy; ,e;j njhopypd; jd;ikia czu;e;J nray;glNtz;Lk;. ,e;j E}ypy; cs;s fUj;Jfs; kw;Wk; Nfhl;ghLfs; vdJ rpwpa mwptpw;F vl;bait kl;LNk. ,tw;wpy; gpioNaDk; ,Ug;gpd; kd;dpj;jUs Ntz;Lk; vd Nfl;Lf;nfhs;fpNwd;. md;Gld;> th. gpurd;dh ntq;fNlrd;. ntu;bfy; g;uhf;u];.


1. ngUik nfhs;Nthk;.

2. MAs; fhg;gPl;L tzpfj;jpy; tUkhd tha;g;G.

3. Kf;fpa fhuzpfs;.

4. gapw;rp tFg;Gfspd; Kf;fpaj;Jtk;

5. jfty;fNs MAjk;

6. mbg;gilj; Njitfs;.

7. mZFjy; (Approaching)

8. jahuhjy; (Preparing)

9. cz;ik mwpjy; (Fact Finding)

10. tpsf;fpf; $wy; (Presentation)

11. kWg;Gfis ifahSjy; (Objection Handling)

12. njhlu;jy; (Followup)

13. tpw;gid KOikahf;fy; (Sales Completion) 14. tpw;gid Kbe;jgpd;..?


,e;j cyfpy; gytifahd njhopy;fs; ,Ug;gij ehk; ed;F mwpNthk;. nghJthf njhopy;fis 3tifahf g p u p f ; fy hk ; . 1 . ,aw ;if cw ; gj ; j p (t ptr hak ; > Ruq;fq;fspypUe;J cw;gj;jp> fhy;eil tsu;g;G Kjypad) 2.. nraw;if cw;gj;jp (fhfpjk; Kjy; fg;gy; tiu j a h u p j ; j y ; ) 3 . N rit ( x U e g u p d ; my ; yJ epWtdj;j pw ;f ;F Njitg ;gLk ; MNyhrid my;yJ cjtpfs; nra;jy;) ,e;j %d;W tifahd njhopy;fspy; KjyPL kpf FiwthfTk;> yhgk; mjpfkhfTk; cs;s njhopy; Nrit njhopyhFk; . mjpYk; ehk; Nju;T nra;Js;s MAs; fhg ;g Pl ;L Kftu ; njho py ; gz KjyPL ,y;yhky ; ek ;Kila jpwikiaAk ; el ;G tl ;lhuq ;fisAk ; > Neuj ;ijAk; kl;LNk KjyPl ;lhf nfhz;L nra;Ak; njhopyhFk;. Kftu; kl;Lkd;wp tpw;gidahsu;fshfTk;> tpw;gid NkyhyuhfTk; cs;stu;fSf;Fk; ,j;njhopy; r pwe ; j njho pyhf cs ;sJ . Ntz ;LksT gzk ; > kdjpUg;jp> mjPj kf;fs; njhlu;G Mfpa midj;Jk; fpilf;Fk; njhopyhf MAs;fhg;gPl;L njhopy; cs;sJ. cyfpy; gy rpwe;j khkdpju;fSk; fhg;g Pl;L Kftu;fshf xUfhyj;jpy; gzpnra;Js;shu;fs; vd;gJ Fwpg;gplNtz;ba xd;W. cjhuzkhf Njrj;jiytu;fs;> ngupa ebfu;fs;> rpwe;j murpay; ty;Ydu;fs; vd;W ePz;l gl;baNy jahu; nra;ayhk;. ,e;j njhopypd; rpwg;gk;rNk “midtUf;Fk; Nji-tahd xd;iw ehk; tpw;gNj” MFk;. gzf;fhuu; Kjy; $ypj;njhopyhsp tiu> gbj;jtu; Kjy; ghkuu; tiu> v t n u y ; y h k ; g z k ; r k ; g h j p f ; f p w h u ; f N s h mtu ;fSf;nfy;yhk; Njitg;gLk; xd;Wjhd; MAs; fhg;gPL. mJkl;Lkd;wp ,J xU Gdpjkhd njhopy;.


Vndd;why;> ehk; MAs; fhg;gPL tpw;gid nra;tjd; %yk; fhg;g PL nra;gtiur; rhu ;e ;J cs;NshUf;Fk; ed;ik nra;fpNwhk;. vg;gb vdpy; gzk; rk;ghjpf;Fk; egupd; tho;f;if ,oe;jhYk; tUkhdk; ,of;fhj tz;zk; ek;khy; mtiu rhu;e;jtUf;F nghUshjhu ghJfhg;ig Vw ;gLj ;j p ju ,aYk; . ,J kl ;Lkd;w p > mtUf;Nf tpgj;jpdhNyh my;yJ ngU tpahjpapdhNyh ghjpg;G Vw;gLk; NghJ me;j epfo;tpdhy; Vw;gLk; gz,og;ig XusT <Lfl;l KbAk;. MAs;fhg;gPL tpw;gjpy; cs;s xU jdpj;Jtk; vd ; dntd ; w hy ; > t p w ; Fk ; N g hJ ekf ; Fk ; ekJ thbf;ifahsUf;Fk ; cs;s cwT ehshf> ehshf ek;Kila Nritf;Nfw;g kpf kpf neUf;fkhfpwJ. Kjypy; xU njhy;iy jUgtuhf njd;gl;l gy MAs; fhg;gPl;L Kftu;fs; gpd;du; mtu;fSila Nritahy;> thbf;ifahsupd; FLk;g ez;guhd fijfs; Vuhsk;. ek;Kila njhopypd; rpwg;gk;rNk thbf;ifahsUf;Fk; ekf ; Fk ; ,Uf ; Fk ; nj hl u ; G k p f e Pz ; l f hyk ; ,Uf;ff;$baJ. ekJ thbf;ifahsu; Kjpu ;Tj;njhif ngWk; rkaj;jpy; ehk; vq;fpUe;jhYk; mtu; kdk; ek;ik xU fzk; tho;j;Jk;. mNj rkak;> ehk; ,wg;Gj;njhifia thbf;ifahsupd; thupRf;F fpilf;fr;nra;ifapy; mtu;jk; FLk;gj;jpy; ehk; epue;ju cWg;gpduhfpNwhk; NkYk; mtu ;fspd ; ed; kjpg ;igAk ; r pghu pRfisAk ; ehk ; Nfl;fhkNy ngWfpNwhk;. ,ij mDgtKs;s ve;j xU KftUk; epr;rak; MNkhjpg;ghu;. jQ;rhT+Uf;F mUfpy; cs;s ty;yk; vd;w Cupy; xU ,isQu; 2006 k; Mz;L tpgj;jpy; kuzk; va;jpdhu;. mtu; 2 yl;r Ugha;f;F MAs; fhg;gPL nra;jpUe;jhu;. mtu ; jQ ;ir j pUr ; r p rhiya py ; cs ;s xU n j h o p w ; r h i y a p y ; N k w ; g h u ; i t a h s u h f gzpahw;wpnfhz;bUe;jhu;. mtu; je;ijia ,oe;J jha;f;F xU kfdhf ,Ue;jtu;. me;j jha;f;F mtu; kiw it vjdhYk; <L nra;a ,ayhJ. Mdhy; mtUf;F me;j 2 y l ; r & g h a ; g z k ; e p r ; r a k ; x U C d ; W NfhshfthtJ ,Uf;Fk;.


,g;nghOJ rpe;jpj;J ghUq;fs; me;j ,isQUf;F fhg;gPL nra;j Kftu; me;j rKjhaj;jpy; vj;jifa kjpg;ig ngw;wpUg;ghu; vd;W. ,J Nghy; Mapuf;fzf;fhd cjhuzq;fs; cs;sd. Vd; ,ij Xu; Gdpjkhd njhopy; vd;W $wpNdd; vd;why;> 1. ehk; mtrpakhd xU jpl;lj;ijjhd; tpw;fpNwhk;. 2. fhg;gPL nra;gtu; thOk; rkaj;jpy; mtUf;F xU kd

epk;kjpia jUfpNwhk;. 3. fhg;gPL nra;jtu; ,wf;Fk; Ntiyapy; mtUila

tUkhdj;ij ek;gp ,Ue;j mtu; FLk;gj;jpdUf;F nghUshjhu epk;kjpia jUfpNwhk;.

4. mtUila ghyprp fhyk; KOtJk; mtUf;F Nrit nra;tJld; Kjpu;T my;yJ ,wg;G fhyq;fspYk; Nrit nra;fpNwhk;.

5. midj;jpw;Fk; Nkyhf xU FLk;gj;ij mrk;ghtpj Neuj;jpy; jhq;fpg;gpbf;Fk; fukhf nray;gLfpNwhk;.

xU ehl ;bd ; nghUshjhu e piyg ;ghL > me ;j ehl ;bYy;y jdpegupd ; nghUshjhu epiyg;ghl ;il nghUj;Nj mikAk; . Vndd;why; > nghUshjhuj;jpy; gpd;jq;fpa Fbkf;fs; me;j muirNa rhu;e;J thOk; epiy Vw;gLk; . xU ehl;by; mNdf egu;fs; murpd; cjtpia rhu;e;J ,Ue;jhy;> me;ehL tsu;r;rpg;ghijapy; gadpf;f ,ayhJ. ,j;jifa ,d;wpaikahj jdpegupd; nghUshjhu epiyg;ghl;il Vw;gLj;Jk; vspa> rpf;fdkhd top MAs; fhg;gPL kl;LNk. ve;j xU ehl;by; fhg;gPL mjpfk; tpw;gidahfpwNjh me;j ehL nghUshjhuj;jpy; tsu;e;Jnfhz;Nl nry;Yk;. vdNt ehk; jdpegUf;Fkd;wp ekJ Njrj;jpw;Nf Nrit nra;fpNwhk;. , g ; n g h O J $Wq ; fs ; ez ; g u ; f Ns . . ! e hk ; ,e ; j nj ho piy Nkw;nfhz;ljw;F ngUikaila Ntz;lhkh? MAs ;fhg ; g P L %yk ; gy tUlq ;fshf r py Kftu;fs; jq;fsJ thbf;ifahsUf;F Nrkpg;G kw;Wk; fhg ;g PL %yk; ed;iknra;J tUfpwhu ;fs; . mjdhy; mtUk; thbf;ifahsUila FLk;gj ;j py ; xUtuhf khwptpLthu; . xU ey;y MAs; fhg;gPl;L KftUila tho;tpy; vg;NghJk; re;Njh\Kk; nry;tKk; ,Uf;Fk;.


ek;Ks; rpyu; ,e;jj;njhopy; fbdkhf ,Ug;gjhf fUJfpwhu ;fs ; . ,j ;njho piy r pw pJfhyk ; nra ;J njhlu,ayhky; iftpl;Ltpl;l gy Kftu;fSk;> tpw;gid Nkshsu;fSk; kf;fspilNa ,e;j njhopiygw;wp jtwhf $wptUfpwhu;fs;. Mdhy; mJ Kw;wpYk; cz;ikf;Fg; Gwk;ghdJ. xUrpy jtwhd mDFKiwahy; mtu;fs; ,e;j njhopiytpl;Lr; nrd;wpUf;fyhk;. mjw;fhf re;ijapy; cyTk; jtwhd nra;jpfis ePq;fs; ek;g Ntz;lhk;. vdf;F njupe;jtiuapy;> MAs; fhg;gPl;L njhopy; xU cau;thd njhopy; . ehk; gpwUf;Fj; Njitahd mj;jpahtrpakhd xU jpl;lj;jpid rpghupR nra;tjd; %yk; kl;LNk gzk; rk;ghjpf;fpNwhk;. Mdhy; ehk; kw;wtu; ghuhl;Lk; msTf;F ,e;j njhopiy nra;aNtz;Lnkd;why; ek;kpilNa rpy xOf;f tpj pKiwfSk; > Nrit kdg ;ghd ;ikAk ; ,Ug ;gJ mtrpak;. cjhuzj;jpw;F ek;Kila gaidtpl ekJ thbf;ifahsupd; gaidNa Kjd;ikahf fUj Ntz;;Lk;. ekJ thbf;ifahsu; Nfl;Fk; ve;jxU jftiyAk; rup ahf nju ptpf ;f Ntz;Lk ; . ekJ thbf ;ifahsupd ; miog ;ig (njhiyNgr p ) Gwf ; fz pf ; ff ; $lhJ . thbf;ifahsu; kdk; tUj;jg;gLk;gbahf ve;j xU nraiyAk; nra;af;$lhJ. ,t;thnuy;yhk; ehk ; ,Ue;jhy; kl;LNk ekJ thbf;ifahsupd; ed;kjpg;igAk; rpghupirAk; ngw;W ehk; ,e;j njhopiy njhlu;e;J kfpo;r;rpAld; nra;a ,aYk;. thbf;ifahsu; cq;fis tpUk;g Ntz;Lnkd;why;> ePq;fs; cz;ikahfTk; nkd;ikahfTk; ,Uj;jy; Ntz;Lk;. ve ;jxU egUk; jd;Dila tUkhdk; > fld; > jtiz> FLk;gj;jpdu; gw;wpa midj;Jj; jfty;fs;> vj pu ;fhyj ; j pl ;lk ; Nghd ;w jfty ;fis g pwUf ;F njuptpf;fkhl;lhu;. Mdhy; mtUila MAs; fhg;gPl;L KftUf;F kl;LNk midj;Jk; njupe;jpUf;Fk;.


MAs;fhg;gPl;L tzpfk; nghUj;jtiuapy; ghyp]p ngWk; tha;g;G gw;wp rpy fzf;fPL cz;L. ehk; 5 egu;fsplk; Neupy; tpsf;fpf;$w mDkjp Nfl;lhy; Fiwe;jJ 1 egu; tha;g;gspg;ghu;. 5 egu ;fsplk ; Neu py ; tpsf ;f pf ; $w pdhy ; > 1 khjj;jpw;Fs; Fiwe;jJ 1 egu; ghyp]p vLg;ghu;. nghJthf xU ghyp]papd ; ruhru p g pu pk pak ; &15>000. ,g;NghJ fkp\d; njhif fl;Lg;gLj;jg;gl;L ruhrup fkp\d; 8 rjk;. (ePq;fs; A+ypg; ghyp]pAld; rpwe;j ghJfhg;Gkpf;f l;nub\dy; ghyp]pfisAk; tpw;fNtz;Lk;) mg ;gbahdhy ; ruhru pahf xU ghy p]pf ;F &1200 fpilf;Fk;. rupahd Kiwapy; fhg;gPL je;jhy; ruhrupahd 10 tUlq;fs; gpupkpak; fl;Lthu;fs;. nudpty; fkp\d; ruhrupahf tUlhtUlk; 2rjk;. ,e;j fzf;fPLfspd;gb cq;fs; tUkhdk; fPo;fz;lthW ,Uf;Fk;. ePq;fs; vy;yh tUlKk; jpdKk; 15 egu;fsplk; mDfp 3egu;fsplk; kl;Lk; Neupy; tpsf;fpf;$WfpwPu; vd;W itj;Jf;nfhs;Nthk;.

Kjyhz;L fkp\d;

nudpty; fkp\d;

f kp \ d;

tUlq;fs;

,uz;lhkhz;L 1k; tUl nudpty; fkp\d; kl;Lk;. 5k; Mz;L 1>2>3>4k; tUlq;fspd; nudpty; fkp\d;fs; fpilf;Fk; ,t;thW tUkhdk; ngUfpf;nfhz;Nl NghFk;. NkYk; rpwe;j Nrit nra;jhy; gupe;Jiuapdhy; mjpf ghyp]pfs; fbd ciog;gpy;yhkNyNa fpilf;Fk;

1 2 3 4 5 6 7 8 9 10 11 12


Kd ; G $w p aJ Ng hy j pdKk ; 3 eg u p lk ; tpsf;fpdhy; khjk; 15 ghyp]pfSk;> &18000 fkp\Dk;> gpwF tug;NghFk; nudpty; fkp\d; &40500. Nkw;fz;l glj;ij rw;W $u;e;J ftdpAq;fs;. 4 tUlq;fSf;Fg; gpwF cq;fSila md;wa ciog;gpd; tUkhdkhd 1k; tUl fkp\idtpl Vw;nfdNt ePq;fs; nra ;j ghyp]pf ;fhd nudpty ; fk p\d; mjpfkhf fpilf;Fk;. ,e;j #oy; ePq;fs; Kjyhk; Mz;L nra;j gpu pkpak; NghyNt midj;J tUlq;fSk; nra;jhy; kl;LNk. Mdhy; cz;ik rw;W tpj;jpahrkhdJ. ePq;fs; Neu;ikahf Nrit nra;jhy;> mz;L NjhWk; cq;fs; GJtzpf gpupkpak; gd;klq;F mjpfupf;fj;jhd; nra;Ak;. mjw;fhd fhuzq;fs;. • ngUk ;ghYk ; Kjy; ghyp]pa pd ; g pu pk pak ; ekJ

thbf;ifahsUila KO nghUshjhu jFjpf;Fk; kpf FiwthfNt f pilf ;Fk ; . e P q ; fs ; njhl u ; e ; J Neu;ikahf ,Ue;jhy; gpw;fhyq;fspy; mtu; cq;fs; mDkjpapd;wp Ntnwq;Fk; KjyPL nra;a khl;lhu;. NkYk; ePq ;fs; Nfl;Fk; Nghnjy;yhk; ,ad;why; jukWf;fkhl;lhu;.

• Kjy p y ; e P q ; f s ; f h g ; g P l ; L t p w ; g ida p y ; ty;Yduhfp ,Uf;f khl;Bu;fs;. rpy tpw;gidfSf;F gpwF tpw;gid KOikahf;fYf;F kpfFiwe;j NeuNk vLj;Jf;nfhs;tPu;fs;.

• Kjypy; ePq;fs; MAs; fhg;gPl;L tpw;gidahsu; kw;Wk; MNyhrfu; vd;gJ mNdfkhdtUf;F njupe;jpUf;fhJ. mjdhy; cq;fSf;F ed;F njupe;jtu; $l gpwuplk; ghyp]p vLg;ghu;fs;. ehshf ehshf ePq;fs; MAs; fhg;gPl;L tpw;gidahsuhf gpugykhdJk;> cq;fSf;F mjpf rpghupR fpilf;Fk;.

• cq;fsplk; ghyp]p vLj;J mjd; gyid Kjpu;tpd; NghNjh my;yJ ,wg;gpd; NghNjh thbf;ifahsu; kw ;Wk ; mtuJ FLk ;gj ;jhu ; mDgtpj ;j g pwF> cq;fsJ tpw;gid mtuplk; kpf kpf vspjhfptpLk;. ngUk;ghyhd thbf;ifahsu ;fs; Kjpu ;T gzk; fpilj;jJk; kPz;Lk; ghyp]p vLf;fpwhu;fs;. ePq;fs; re;NjfkpUe;jhy; %j;j Kftu;fis Nfl;Lg;ghUq;fs;. mt;thW tUk; mLj;j ghyp]papd; gpupkpak; epr;rak; Kjy; ghyp]piatpl mjpfkhfj;jhd; ,Uf;Fk;.


• njhlu;e;J fhg;gPl;L tpw;gidapy; ePq;fs; ,Ug;gjhy;>

cq;fSila epGzj;Jtk; tsu;e;J> ePq;fs; Kjd; Kiw re;jpg;gpNyNa rupahd Kbtpw;F te;JtpLtPu;fs;. vdNt thbf;ifahsiu vspjpy; Gu pe ;Jnfhz;L tpw;gidia tpiutpy; Kbg;gNjhL rupahd mstpy; gpupkpaKk; thq;fptpLtPu;.

• rpytUlq;fspy; ePq;fs; toq;Fk; Nrit JupkhFk;. Vndd;why ; ve ;nje ;j Nritf;F ahiu njhlu ;G nfhs;tJ? vt;tsT ehshFk;? vd;ndd;d rhd;Wfs; Njitg;gLk;? ,JNghd;w jfty;fs; Muk;gj;jpy; njspthfj; njupahJ. rpy khjq;fSf;Fg; gpwF ePq;fs; ,tw;iw KOikahf njupe;jpUg;gPu;fs;. M ifahy ; e Pq ;fs ; toq ;Fk ; Nrit Ju pjkhfTk ; J y ; y p a k h f T k ; , U f ; F k ; . , e ; j j d ; i k thbf;ifahsiu mjpfk; ftu;e;J mjpf rpghupRfs; ePq;fs; Nfl;fhkNyNa fpilf;Fk;.

vdNt ePq;fs; Kjyhk; Mz;L vt;tsT Neuk; ,e;j njhopYf;F nrytopj;jPu;fNsh mNj Neuj;jpy; gpd;du; gyklq;F rk;ghjpg;gPu;. cjhuzj;jpw ;F> jpU gpuG vd;w Kftu; > xU fpuhkj;jpy; kUe;Jf;fil elj;jptUfpwhu;. ,tu; MAs; fhg;gPl;Lj; njhopiy ngupa vjpu;ghu;g;G ,y;yhky;jhd; Jtq;fpdhu;. Mdhy; ,g;nghOJ mtUf;F 4 Mz;Lfs; mDgtk; cs;sJ. vj;jidNahKiw mtiu tpw;gid Nkshyuhf gjtpcau ;j ;j gu pe ;Jiu te ;Jk ; mtu ; Vw;ftpy;iy. Vndd;why;> mtUila thbf;ifahsu; vz;zpf;if ,g;nghOJ 200I jhz;btpl;lJ. ,d;Dk; xU tUlk; fopj;J tUlk; 40 ghyp]pfs; K j p u ; T jFj p ailA k ; . m g ; N g h n jy ; y h k ; 4 0 thbf;ifahsUf;F yhgj;Jld; $ba Kjpu;T nfhLj;J kPz;Lk; mjpf gpupkpak; thq;fyhk;. ,ijtpl jw;NghJ khjk; NjhWk; tUk; nudpty; fkp\d; kl;Lk; tpw;gid Nkshyu; rk;gsj;ijtpl mjpfk;. xU cz;ik epiy vd;dntd;why;> 5 tUlq;fis fle;j Kft u ; f s ; k h j tUk hdj ; i j g ; g w ; w p f tiyg ; gl;lNj ,y;iy. Vnddpy; rk;gsk; khjk; 1Kiw. fkp\d; khjk; 2Kiw fpilf;Fk;..!


nghUik

epjhdk;

Neu;ik

tplhKaw;rptplhKaw;rptplhKaw;rptplhKaw;rp

jpdKk; Ntiynra;jy;jpdKk; Ntiynra;jy;jpdKk; Ntiynra;jy;jpdKk; Ntiynra;jy;

gapw;rp ngWjy;gapw;rp ngWjy;gapw;rp ngWjy;gapw;rp ngWjy;


xU cz;ik fUj;J. cyf muq;fpy; fhg;g PL njhlu;ghd Muha;r;rp kw;Wk; gapw;r;rp gzpapy; rpwe;J tpsq ;Fk ; e pWtdkhd ypk ; u h (LIMRA ) elj ;j pa fUj;jha;tpy;> fhg;gPl;L Kftuhf ,ize;J ntw;wpngw Kbahky;Nghdtu; Vd; ntw;wpngwhky; tpyfpdhu;fs; vd;W Muha;e;jhu;fs;. mjpy;> mNdfkhf midtUk; njuptpj;j fUj;J my;yJ Muha;r ;r p KbT vd;dntd;why ;… “ mtu ;fs ; nra ;a Ntz ;ba j pdru p NtiyfSk ; > mtu ;fs ; nra ;a Ntz ;ba j pdru p NtiyfSk ; > mtu ;fs ; nra ;a Ntz ;ba j pdru p NtiyfSk ; > mtu ;fs ; nra ;a Ntz ;ba j pdru p NtiyfSk ; > mtu ; fSila gz pa pd ; jd ;ikAk ; nj u pa hjNj mtu ;fSila gz pa pd ; jd ;ikAk ; nj u pa hjNj mtu ;fSila gz pa pd ; jd ;ikAk ; nj u pa hjNj mtu ;fSila gz pa pd ; jd ;ikAk ; nj u pa hjNj mtu;fSila Njhy;tpf;F fhuzk;mtu;fSila Njhy;tpf;F fhuzk;mtu;fSila Njhy;tpf;F fhuzk;mtu;fSila Njhy;tpf;F fhuzk;” . ez;gu ;fNs. ! ,jpy pUe ;J cq ;fSf;F vd ;d njupfpwJ. ehk; midtUNk tho;tpy; tsuNtz;Lk; vd;w cau pa r p e ; ija py ; j hd ; ,j ; nj ho piy Nj u ; T nra ;Js;Nshk ; . Mdhy ; ek ;Kila flik kw ;Wk ; nghWg ;ig ehk ; Gu pe ;Jnfhs;shkYk; mij nray; gLj ;jhkYk ; > ehk ; rhu ; e ;Js ;s e pWtdj ;ijNah > kf ; fisNah > re ;ij e pytuj ;ijNah > kw ; w g p w Nghl;bahsiuNah Fiw$WtJ jtW. vz;zpj; Jdpf fUkk; Jdpe;jgpd; vz ;Ztk ; vd ; gJ ,Of ;F - vd ; w ts ;Stu pd ; thf;fpidg;Nghy> ehk; nra;aNtz;ba njhopiyAk; mjpy; ek;Kila gq;F kw;Wk; flikia czuhky; mj;njhopiy jpwk;gl nra;a ,ayhJ. NkYk; ek;Kila ntw;wp epue;jukhf ,Uf;fhJ.

ed;F njupe;jtuplk; Jtq;Fq;fs;:ed;F njupe;jtuplk; Jtq;Fq;fs;:ed;F njupe;jtuplk; Jtq;Fq;fs;:ed;F njupe;jtuplk; Jtq;Fq;fs;: ehk; ek;ik Rw;wpAs;s kf;fsplk; mtu;fSila Njit> mtu;fspd; md;wa nghUshjhu epiyia kw;Wk; mtu;fSila vjpu;fhy Njitfis fzpj;J fhg;gPl;L jpl;lq;fis mwpKfk; nra;Ak; Ntiyia nra;fpNwhk; vd;gJ midtUk;; mwpe;jNj. ehd; ,q;Nf ,ij Fwpg;gpl xU fhuzk; cs;sJ. Vnddpy; ehk; mwpKfk; ,y;yhj egu;fsplk; mDgtk; ,y;yhky; MAs;fhg;gPl;L tpw;gid nra;tJ fbdk;. Kjypy; njupe;j egu;fsplk; Jtq;fTk;.


,j;njhopiy ehk; rpwg;ghf nra;a ekf;F njupe;j kf;fs; Ntz ;Lk ; (Contac ts) . mtu ; fSld ; ekf ;F ey ;y njhlu;G ,Uf;f Ntz;Lk; . mtu;fSila eyidNa Kjw;fz; fUj;jpy; nfhs;s Ntz;Lk; . eakhf Ngr Ntz;Lk; . ek;ik ehk; tpiutpy; Kftuhf mwpKfk; nra;a Ntz;Lk;. Gd;dif> nghUik> mwpT> mZFKiw kw;Wk; fbd ciog;G Mfpa midj;Jk; xd;W Nru;e;J nra;Ak; xU njhopy;jhd; MAs; fhg;gPl;L Kftu; gzp.

mjpf kf;fspd; el;G mjpf yhgk;mjpf kf;fspd; el;G mjpf yhgk;mjpf kf;fspd; el;G mjpf yhgk;mjpf kf;fspd; el;G mjpf yhgk;;: (More Con-tacts More Benefits) jaT nra;J xU Ngdh kw;Wk; fhfpjk; vLj;Jf; nfhs ;Sq ;fs ; . g pd ; tUk ; Nfs ;t pfSf ;F t pil vOJq;fs;. 1. cq;fSf;F vj;jid egu;fs; njupAk;. 2. mjpy ; vj ;jid egu ; khjk ; 5000 &gha ;f ;F Nky ; rk;ghjpf;fpwhu;fs;. cq;fs; tpil 200 f;Fk; Nky; vd;why;> kpf rupahd njhopiy Nju;e;njLj;Js;sPu;fs;. 100f;F Nky; 200f;F FiwT vd;why;> ePq;fs; ntw;wpngw jpdKk; 3 Gjpa egUf;F mwpKfkhFq;fs;. 100f;Fk; fPo; vd;why;> jpdKk; 5 Gjpa egUf;F mwpKfkhFq;fs;. Vnddpy; e Pq ;fs ; Fiwe ;jJ 100 egu ;fsplk ; ghy p]p tpw ;f njhlu;gpy; (Follow up) ,Ue;jhy;jhd;> cq;fSf;F jilaw;w tUkhdk; fpilf;Fk;. ,d;wa ,ae;jpu tho;tpy; ek;kpy; gyu; gf;fj;J tPl;by; trpg;gtu; ahnud;Nw njupah ky; tho;e;J tUfpNwhk;. Kjypy; rpupf;fg;goFq;fs;. ek ; k py ; gyUila ntw ; w p vjdhy ; mikf pwJ. ? mtu;fSila el;G tl;lhuj;jpdhy; kl;LNk. ekf;F njupe;jegu;fs; mjpfk; ,y;iy vd;why; ,t;tzpfk; nra;tJ fbdNk. Mdhy; KbahjJ my;y. ez;gu;fis ngUf;FtJ fbdky;yNt. cq;fSf;F vg;gbg ;gl ;l ez;gu;fs; Ntz;LNkh mtu;fs; $Lk; ,lq;fspy; ePq;fSk; M[uhFq;fs;. NkYk; yad;];> Nuhl;lup> N[.rp.I. Nghd;w rq;fq;fspy; mq;fj;jpduhjYk; rpwe;j top. ,g;nghOJ ehd; xU MAs;fhg;gPl;L Kftiu> vdJ cjhuz Kftiu mwpKfk; nra;Jitf;fpNwd;. mtu; ngau; c\h. jkpofj;jpd; kpf Kf;fpa efupy; me;j kupahijf;Fwpa egu; trpf;fpwhu;. mtiu Kftuhf;fpa Kaw;rpAk;> mjpy; Vw;gl;l jaf;fk; kw;Wk; tpisitAk;


,e ;j E}y py ; gFj p gFj pahf fhzyhk ; . mtiu mtUila tsu;r;rp mjpfhup (Development Officer) Kftuhf;f Ntz;b mZfpdhu; . mtUila mwpKfk; me ;j tsu ;r p mjpfhu pf ;F ed;F mwpKfkhdtuhy; fpilj;jJ. me;j Kftu;> tsu;rp mjpfhupapd; Ngr;ir Nfl;L Kbj;J> gpwF jd; tpUg;gj ;ij nrhy;tjhf njuptpj;jhu;. ,t;thW mtu; nrhd;djd; fhuzk; vd;dntd;why;> mtUf;F ,j;njhopypy; ek;gpf;if Vw;gltpy;iy. Mdhy; mtUf;F gzk; Njitg;gl;lJ. mtuJ FLk;gk; xU rhjhuz epiyapy;jhd; mg;NghJ ,Ue;jJ. thlif tPL> ,U Foe;ijfs;> fztUf;F xU jdpahu; filapy; Ntiy. ,Jjhd; mtuJ md;wa epiy. kpfTk; ey;yKiwapy; tho;e;J te;jhu;. Mdhy; vjpu;fhy nryTfis rkhspf;f mjpfk; gzk; Njit vd;gij mwpe;J> gs;spf;Foe;ijfSf;F kw;Wk; tq;fp Kjypa mYtyu;fSf;F Njitahd igfs; (Leather/Rexene bags) thbf;ifahsu;fs; ,lj;jpw;Nf nrd;W tpw;Fk; njhopiy nra;J te;jhu;. ,tiu Kftuhf;Fk; Kaw;rpapy; me;j mjpfhup kpfTk; fbdg;gl Ntz;bapUe;jJ. nkhj;jk; 12 Kiw mtu; tPl;bw;F nrd;W mtuplKk;> mtuJ fztuplKk; fye;jhNyhrpj;jhu;. filrpapy; me;j mk;ikahu; Kftuhf xg;Gf;nfhz;lhu;. gapw;rp tFg;Gfs; njhlq;f rpy ehl;fs; cs;s epiyapy; ,tu; mjpfhupAld; fpis Nkshsuplk; Neu;Kf Nju;Tf;F nry;y Ntz;Lk; . Neu;Kf Nju;tpd; NghJ> Kftuhf tpUk;GNthu; mtUf;F njupe;j ghyp]p NghLk; jFjpAila 200 egu;fs; Ngiu Fwpg;gpl;l gbtj;jpy; vOjp > mtUila gNahNll ;lh kw ;Wk ; mtUila fy;tpr ;rhd;w pjo ; Mfpa midj;ijAk; vLj ;J tu Ntz;Lk;. ,it vy;yhk; me;j KftUf;F Kd;djhfNt njuptpf;fg;gl;lJ. Mdhy; Neu;fhzy; ehspd; NghJ> me;j Kftu; Neu;fhzYf;F tu ,ayhJ vd;W $wptpl;lhu;. ,jw;fhd fhuzk; njuptpf;fg;gltpy;iy. vt;tsNth ek;gpf;if nfhLj;Jk; me;j Kftu; kWj;Jtpl;lhu;.


me;j mjpfhup kpfTk; tUj;jkile;jhu; . me;j Kftuplk; gyKiw Nfl;lgpd; mtu; $wpa fhuzk; kpfTk; Mr;rupakhd jfty;. mJ vd;d njupAkh? me;j Kftu ; mtUila ghy ;fhuu ; > mtUila gf ;fj ;J t Pl ;Lf ;fhuu ; MfpNahu plk ; ,e ;j Kaw ;r pia gw ;w p $w pAs ;shu ; . mtu ; fSila gj py ; ek ; Kftu pd ; ek ; g pf ;ifia jfu ; j ;Js ;sJ. ,Jtiu ,e ;j xU rk;gtj;jpypUe;J ehk; njupe;J nfhs;s Ntz;bait vd;dntd;why;> 1. ekf;F xU njhopiyg;gw;wpa cw;rhfj;ij midtUk;

jukhl;lhu;fs;. 2. ehk; ,e;j njhopiy Jtq;Fk; Kd;du; ek;Kila

mjpfhu p ek ;k PJ itj;Js;s ek ;g pf ;if kw ;wtu ; fUj;ij tpl ek;gfukhdJ.

3. ek;Kila jaf;fNk ek;Kila jil. mjpf njhlu;G mjpf yhgk; vd;gjw;F Vw;g ,e;j Kftu; gpd;du; KftuhdJk; kpf fbdkhf cioj;J mjpf njhlu ;ig Vw;gLj;jpf ; nfhz;lhu ; . cwtpdu ; > thbf;ifahsu; > mz;ilmayhu; > fztupd; njhlu;G Mfpa midj;ijAk; Nrfupj;J gpd;du; ntw;wpahsuhdhu;.

jpde;NjhWk; Ntiy nra;aTk;:jpde;NjhWk; Ntiy nra;aTk;:jpde;NjhWk; Ntiy nra;aTk;:jpde;NjhWk; Ntiy nra;aTk;: ve;j xU NtiyAk; jpde;NjhWk; nra;tjhy; ekf;F mjpy; njspTk;> epGzj;JtKk; fpilf;Fk;. kw;w njho py ;fs ;Nghy ; my;yhJ MAs;fhg ;g Pl ;L Kftu ; njhopypy; jpdKk; Ntiy nra;tNj epue;ju ntw;wpf;F top. xU Kiw xU mjprapf;fj;jf;f ntw;wpfz;l xU Kftuplk; mtUila ntw;wpapd; ,ufrpaj;ij Ngl;bahf Nfl ; l h u ; fs ; . mjw ; F mtUila gj py ; k p fTk ; ghuhl ;lj ;jf ;fJ. “ ehd ; xt ;nthU ehSk ; fhiy Fiwe;jJ 5 re;jpg;GfSf;F mDkjp thq;fhky; vdJ fhiy czit ehd; cz;Ztjpy;iy” vd;W $wpdhu;. MAs;fhg;gPl;L Kftu; njhopYf;F “jpde;NjhWk;” vd;gJ ke;jpur;nrhy;. ehk; gFjp Neu njhopyhf ,ij nra;jhYk; jpdKk; Fiwe;jJ xU Gjpa eguplkhtJ ekJ jpl;lq;fis gw;wp vLj;Jf; $wNtz;Lk;. mt;thW nra;ahky; Nghdtu;fs; ,e;j njhopypy; Fwpg;gpLk;gbahf vijAk; rhjpj ;jjhf tuyhW ,y;iy. KjyPbd;w p tho;ehs; KOtJk; tUkhd <l;Lk; ,j;njhopy; mwpi-tAk;> NgRk; jpwidAk;> rkNahrpj Gj;jpiaAk; %ykhf


itj;J nra;Ak; njhopy;. vdNt jpdg;gapw;rp kpf kpf mtrpak;. jpde;NjhWk; Ntiy nra;tjhNyNa ekf;F rkNahrpj Gj;jp fpilf;Fk; . NkYk; ,J xU fiy Nghd;wJ. jpdKk; rhjfk; my;yJ gapw;rp ngwhj ve;j xU fiyQDk; n[hypj;jhf ,y;iy. j p d e ; N j h W k ; mj p f N e u k ; n ryto p f ; f Njit ,y;iy. Mdhy; Fiwe;jgl;r NeukhtJ ,e;j njhopYf;fhf jpde;NjhWk; nrytopf;f Ntz;Lk;.

nra;jtw;iw gjpT nra;jy;:nra;jtw;iw gjpT nra;jy;:nra;jtw;iw gjpT nra;jy;:nra;jtw;iw gjpT nra;jy;: jpde;NjhWk; Ntiy nra;aNtz;ba mtrpaj;ij ePq;fs; jw;NghJ czu;e;jpUg;gPu;fs;. Mdhy; jpde;NjhWk; ehk; nra;jtw;iw> vtiu ghu;j;Njhk;?;> mtUila gjpy; vd;d?> mtiu kPz;Lk; vg;nghOJ ghu;f;f Ntz;Lk;?> mtUila t pUg ; gj ; j p w ; F xj ; j j p l ; lk ; vd ;d ? Mf padtw ;iw ehk ; vOj pitj ; j hy ; j hd ; r u pa h epidTgLj;jp jtwpy;yhky; njhlu KbAk;. ,y;iyNay; ,ilNtis tiu xU glj;ijAk; gpd;du; mNj ehafd; ehafp ebj;j kw;Nwhu; glj;ijAk; ghu;j;jtu; epiyf;F MshNthk;. nra;jtw;iw gjpT nra;jiy ehk; midj;J ntw;wpngw;w KftuplKk; fhzyhk;. ehk; jpde;NjhWk; ghu ;f ;Fk; egu ;fs; tptuk; > njhlu ;Gnfhz;l tptuk; > nrYj;jpa ghyp]p mjd; jpl;lk;> gpupkpak;> jpl;l fhyk; Mfpa midj;J jfty;fisAk ; gjpT nra ;j ply ; mtrpak; . ek;Kila ciog;gpd; gaid ehk; KO ikahf mDgtpf ;f Ntz;Lkhdhy; > nra;j Ntiy vijAk; ehk; kwf;ff;$lhJ. vdNt jpdKk; ilup vOJq;fs;. me;j ilup cq;fsJ fhg;gPl;L njhopYf;fhf jdpahf xJf;fg;gl;ljhf ,Uf;fl;Lk;. NtWxU jukhd N e h l ; L g ; G j ; j f k ; t h q ; f p m j p y ; cq ; f sJ thbf;ifahsUila Nkw ;fz;l jfty;fis gjpT nra ;Aq ;fs ; . ehk ; ek ;ik ek ;g p gzk ; nrYj ;j pa thbf;ifahsUf;F rpwg;ghf Nrit nra;aNtz;Lk; vd epidj ;jhy ; ek ;k plk ; midj;J jfty;fSk; ja-huhf ,Uf;fNtz;Lk;. vg ;gb jfty;fis gjpT nra ;a tpUg ;gNkh mg;gbNa nra;Aq;fs;. NkYk; ,t;thW nra;tjpdhy; cq;fSf;F fpilf;Fk ; kw ;w rYiffSk; ru pahf te;Js;sjh vd;gij ePq;fNs fzf;fpl KbAk;.


jaf;fNk jil:jaf;fNk jil:jaf;fNk jil:jaf;fNk jil: ,e;j njhopypy; gy;NtW jaf;fk; ekf;F ngupa jilfshf cs;sJ. njhopypd; kPJ ek;gpf;if ,y;yhjhy; njhopiy njhlq;f jaf;fk;. ,e;jpahtpy; MAs; fhg;gPL re;ijapy; gzk; rk;ghjpf;f tha;g;G cs;sJ vd;gij gy njhopy; mj p g u ; fs ; mw p e ; J Nf h bfs py ; gzk ; Kjy P L nra;fpwhu;fs;. (gpu;yh> lhlh Nghd;w gy;NtW jdpahu; MAs; fhg ;g Pl ;L e pWtdq;fspd ; KjyPl ;lhsu ;fs ; ) vdNt ,j;njhopypy; ehk; jaf;fk; fhl;lyhkh? ek;kPJ ek;Kila mjpfhupf;F ,Uf;FksTf;F ek;gpf;if ekf;F ek;gpf;if ,y;iy. n g h J t h f MAs;fhg ;g Pl ;L tsu ;r p mjpfhu pfSf;F Kftu ;fs ; Njitjhd;. Mdhy; mtu;fs; midtiuANk Kftuhf;f Kidtjpy;iy. Fwpg;gpl;l msT jFjp cs;stu;fis kl;LNk mtu;fs; Kftuhf;f Kaw;rp nra;thu;fs;. mg;gb xUtu;jhd; ePq;fs;. ehk; ey;y> kpfTk; Njitahd jpl;lj;jpidj;jhd; tpw;fpNwhk; vd;gjpy; cWjpahf ,Ue;jhy; jaf;fk; tuhJ. mtutu; njhopypy; vt;tsT ngupa ty;Yduhf xUtu; ,Ue;jhYk;> Kiwahf ePq;fs; MAs; fhg;gPl;L gapw;rp ngw;wpUe;jhy;> cq;fSf;F tho;f;ifj; jpl;lkpLjiy gw;wp njupe;jpUg;gij tpl mtUf;F mjpfk; njupe;jpUf;f tha;g;G FiwNt vd;gij kwe;JtplhjPu;fs;. ehd; vdJ mDgtj;jpy; gy rhjidahsu;fis> kUj;Jtu;fis> nghwpapayhsu;fis> murhq;f mjpfhup Kjypatu;fis re;jpj;J vjpu;fhyj; jpl;lkpLjiyg;gw;wp tpsf;fpAs;Nsd;. mtu;fspy; ngUk;ghNyhNdhu; rpe;jpj;J Vw;Wf;nfhz;lNj epfo;e;jJ. vdNt> ePq;fs; cq;fs; kPJ ey;y ek;gpf;ifiaAk;> gapw;rp tFg;Gfs; %yk; mwp itAk;> njhlu;e;J thbf;ifahsuplk; tpsf;fpf;$wypd; %yk; mDgtj;ijAk; ngw;why; jaf;fk; cq;fsplkpUe;J tpyfptpLk;. ,tw;iw ngWtjw;F rpwpJ ehshfyhk;. mJtiu cq;fs; mjpfhupia Jizf;F $l;br ;nry;Yq;fs; . gyehs; tFg;giw fw;Wf;nfhLf;fhjij> Neu;fhZk; mDgtk; fw;Wf;nfhLf;Fk;.


MAs;fhg ; g PL midtUf ;Fk ; mtr pak ; vd;gij ehk; ek;Gtjpy;iy. mjdhy; ekf;F ed;F g u p r ; r ak ; Mdtu ; fs p lk ; $l e hk ; mij ek;gpf;ifAld; NgRtjpy;iy. ehd ; Kd ;dhy ; Fwpg;gpl;lJNghy> MAs; fhg;gPL midtUf;Fk; mtr pak ; . Mdhy ; mNdf kf ;fSf ;F mjd ; mtrpak; njuptjpy;iy. mij czu;j;JtNj ek; jiyaha flik. mjhtJ MAs; fhg;gPl;il ehk; ruptu vLj;J ciug;gjpy; jaf;fk; fhl;LfpNwhk;. 2004k; Mz;L gpg ;utup khjk; vd;Dila Kftu ; xUtu ; gUg ;G Miy itj;Js;s xU njhopy; mjpguplk; ghyp]pgw;wp Ngr mioj;J nrd;whu;. Rkhuhf xd;wiu kzpNeuk; mtUila N e u j ; j p w ; f h f mtUila mYtyfj ; j p y ; fhj;jpUe;Njhk;. mtu; mYty;fis Kbj;Jtpl;L ehq;fs; Ngr mDkjp mspj;jhu;. ehd; Kiwg;gb mtuplk; midj;J tptuq;fisAk; njuptpj;Njd;. midj ;ijAk ; mikj pahf Nfl ; Lf ; nfhz ;L mtUila cjtpahsiu mioj;J ,d;#ud;]; gjpit (File) vLj;JtUkhW $wpdhu;. gpd;du; me;j gjpit fhz;g pj ;jhu ; . mjd; tptug ;gb> mtu ; Vw ;fdNt 35 yl ;r &gha ;f ;F MAs; fhg ;g PL nra ;j pUe ;jhu ; . NkYk ; &1>75 > 000 tUlhe ;j p u gpupkpakhf nrYj;jp tUfpwhu;. md;W tUkhd tup tpyf ;F g p u pT 80C gb tpyf ;F njhifahd &1 > 0 0 > 0 0 0f ; Fk ; NkyhfNt mtu ; g p u p k pak ; nrYj;Jfpwhu;. me;j Mtzq;fis ghu;j;jgpd;du; mtu ; vq ;fsplk ; ,jw ;F Nky; MAs; fhg ;g PL nra;a ,ayhJ vd;W $wpdhu; . ,g;NghJ rw;W Nahrpj;Jg;ghUq;fs;. ,tuplk; ghyp]p vLf;f tha;g;G cs;sjh? gpwF vd;d ele;jJ vd;W ghUq;fs;… ehd; mtiu MNkhjpj;Jtpl;L gpd;. “ rhu;> MAs ; f h g ; g P L vd ; gJ tUk hdtu p t p yf ; F ngWtjw;fhf nra;tJ my;y. tUkhdtup tpyf;F vd ; gJ xU Cf ;fr ; rYifNa. e Pq ; fs ; ve ; j msTf;F fhg;gPL nra;a Ntz;Lnkd;why;> vj;jid ngupa Nrhjid te;jhYk;> (kiwKfkhf ,wg;ig


gw;wp $wp) ePq;fs; epWtpa ,e;j epWtdKk;> cq;fs; Copau;fSk; ve;jtpj ghjpg;Gf;Fk; Mshf $lhJ. NkYk; ePq;fs; rpy nkhj;j tpahghupfsplk; flDf;F ruf;F ngw;W> mij jahu; nra;J gy rpy;yiu tpahghupfsplk; flDf;F nfhLj;J tpahghuk; nra;gtu;. cjhuzkhf cq;fis Nghd;W cs;s xU tpah-ghup vjpu;ghuhjtpjkhf ,wf;f Neu;e;jhy;> mtUf;F fld; nfhLj;j rpy nkhj;j tpahghupfs; clNd gzj;ij Nfl;ghu;fs;. Mdhy; mNj Ntfj;jpy; me;j tpahghupaplk; fld; ngw;wtu ;fs; midtUk; jpUg;g p nrYj;JtJ fbdk; . NkYk; tq;fp njhopy ; fld; > thfd fld; toq;fpa midtUk; gzj;jpw ;fhf neUf;fb jUk; rkaj ;j py ; ; me ;j ,we ;j tpahghu pf ;F mLj ;jjhf mtUila nghUg;gpw;F tUgtu; kpFe;j neUf;fbf;Fk;> kdr; rpf;fy;fSf;Fk; Mshthu;fs;. e hd ; nr hy ;Yk ; fUj ;ij e P q ; fs ; Vw ; Wf ; nfhs;fpwPu;fsh?” vd;W Nfl;Nld;. mjw;F me;j njhopy; mjpgu; rupnad;whu;. gpd;du; kPz;Lk; mtuplk;> “rhu; ehd; cq;fsplk; ghyp]p thq;Ftijtpl cq;fSf;F rpy cz;ik epiyia $w tpUk;GfpNwd;. vdf;F ePq;fs; rpy jfty;fs; je;J cjt KbAkh?” vdf;Nfl;Nld;. mjw;F mtu; KO xj;Jiog;G je;jhu;. ,e;j ,lj;jpy; ePq;fs; ftdpf;f Ntz;ba xd;W> ehk; ek;Kila thbf;ifahsuplk; kpfTk; gzpTld; mtu ; ntWg ;gilahj tz;zk ; ,e ;j MNyhrid $wNtz;Lk; . me;j njhopyjpgu ; vdf;F Njitahd midj;J tpguq;fisAk; je;J cjtpdhu;. gpd ;du ; me;j tpguq ;fspd ; cjtpAld; ehd; mtUf;F 1NfhbNa 30 yl;r &gha;f;F fhg;gPL Njit vd ;W $w pNdd; . $w paNjhL kl ;Lkd ;w p > ,t ;thW nra;tjpdhy; mtUf;F vj;jifa kdepk;kjp fpilf;Fk; NkYk ; mtUila rhu ; e ;Js ; Nshu ; (kidtp > ,U Foe;ijfs;) vt;thW gadiltu; vd;Wk; $wpNdd;. mjw;Fg;gpd; Vwj;jho 2 khjq;fs; njhlu; Kaw;rpapdhy; xNu ghyp]papy; 1.25 Nfhb fhg;gPL nra;Njhk;. tUl gpupkpak; 1>00>000. ,g;NghJ $Wq;fs; ,e;j Gj;jfj;ij ePq;fs; gbf;f njhlq;fpaNghJ cq;fSf;F ,Ue;j kdepiy rw;W


njsptile;Js;sjh? ePq;fs; vt;thW ,g;gb MAs; fhg;gPL kjpg;g PL nra;aNtz;Lk; vd;gij gpd; tUk; jiyg;ghd tpsf;fpf;$wypy; $WfpNwd;. epr;rak; MAs; fhg;gPL midtUf;Fk; mtrpak;. ,ij jplkhf ek;Gq;fs;.

Neu;ikahf ,Uq;fs;:Neu;ikahf ,Uq;fs;:Neu;ikahf ,Uq;fs;:Neu;ikahf ,Uq;fs;: ,dpa csthf ,d;dhj $wy; fdpapUg ;g fha;ftu ;e ; jw ;W - vDk; Fwis ,e;j jiyg;gpw;F Vw;whw;Nghy; nghUs; khw;wk; nra;jhy;> thbf ;ifahsUf;F mjpf gyd; jUk; xU jpl ;lk ; ,Uf ;Fk ; NghJ mtUf ;F gyd; Fiwthf cs;s jpl;lj;ij Vd; gupe;Jiu nra;aNtz;Lk;? mjhtJ> ngUk;ghyhd jpl ;lq ;fspy ; Kftu ; fkp\d; mjpfkhf ,Ue;jhy; > thbf;ifahsu; gyd; F i w t h f , U f ; F k ; . v d N t e P q ; f s ; x U thbf;ifahsUf;F cq;fs; yhgj;ij Nehf;fp jpl;l gupe;Jiu nra;jhy;> cq;fSila njhopy; tsu tha;g;G FiwT. NkYk; jtwhd gyd;fisNah> mjpf gzk; fpilf;Fnkd;w jtwhd $w;iwNah cWjpaspg;gij jilnra ;Aq ; fs ; . ,e ; j njho py py ; e hk ; ngWk ; ew;ngau;jhd; ek;ik ePz;l fhyk; top elj;jpr;nry;Yk;. thbf;ifahsUf;F ,njy;yhk; njupath NghfpwJ? vd;W cq;fs; rf ez;gu ;fs; $l $wyhk; . Mdhy; cz;ik vd;whtJ xUehs ; mtUf;F nju patUk ; rkaj;jpy;> cq;fisg; gw;wp mtu; vd;d epidg;ghu; vd;W rw;W epidj;J ghUq;fs;. xU kUj;Jt epGzUf;F ehd; vdJ Kftu; %yk; xU fhg;gPl;L jpl;lj;ij nfhLj;jpUe;Njd;. gpwF ehd; gz p k h w ; w k h f p NtW xU Cu py ; gz p a h w ; w p f ; nfhz ;bUe ; Njd ; . ,uz ;L Mz;Lfs ; fo pj ;J 3k ; Mz;bw;fhd gpupkpak; nrYj;Jk; Neuk;. mg;nghOJ> mtuplk; mNj epWtdj;ij Nru;e;j xU Kftu; ghyp]p Ntz;b nrd;whu;. mtuplk; kUj;Jt epGzu; jhd; Vw;nfdNt ghyp]p vLj;Js;sij $wp cs;shu;. mjw;F me;j Kftu; mtUf;F Nghjpa msT fhg;gPL cs;sjh? vd;gij Muhahky;> ehd; toq;fpa


ghyp]pia gw ;w pa tpguq ;fis Nfl;L> ehd; me;j kUj;Jt epGziu Vkhw;wptpl;ljhfTk;> me;j Kftuplk; mijtpl rpwe;jNjhu; ghyp]p cs;sjhfTk; $wptpl;lhu;. mij Nfl;l kUj;Jt epGzu;> vd;kPJ kpFe;j Nfhgk; nfhz;L vd;Dila ifNgrpapy; (nry;Nghd;) mioj;J ele;jij $wpdhu; . Mdhy; ehd; xUNghJk; mt;thW nra;a tha;g;G ,y;iy. vdNt ehd; me;j kUj;Jt epGzuplk; ehd; toq;fpa jpl;lj;ijg; gw;wpAk; GJ Kftu; $wpa $w;wpd; cz;ik gw;wpAk;> mtu; $wpa jpl;lk; gw;wpAk;> ifNgrpapYk;> kpd;dQ;ry; topahfTk; tpsf;fpa g pd ;du ; mtu ; Nfhgg ; gl ; ljw ;F k pFe ;j tUj ;jk ; njuptpj;jhu;. ,e ;j e pfo ; r ; r pa pd ; tha pyhf cq ;fSf ;F vd ;d tpsq;fpaJ? 1. ehk ; Neu ;ikahf ,Ue ;jhy ; > vtUf;Fk ; gag ;gl

Ntz;bajpy;iy. 2. ,Nj Nghd;W ehk; nry;Yk; thbf;ifahsu; jd;dplk;

Vw ;nfdNt ghyp]p ,Uf ;f pwJ vd ;why ; > mtu ; itj;Js;s ghyp]pgw;wp Muhahky;> mtUf;F NkYk; Njit cs;sjh? vd;gJgw;wp MNyhrpj;jhy; NghJk;. Vndd;why; ePq;fs; kw;Nwhu; Kftiug;gw;wp jtwhf $Wk; Ntisapy ; thbf ;ifahsu ; cq;fisAk; re;Njfpf;f NeupLk;. ,Wjpapy; ehk; vjw;F nrd;NwhNkh mij tpLj;J Ntnwhd;iw nra;Jnfhz;bUg;Nghk;.

3. vg;nghOJ Ntz;LkhdhYk; cq;fs; thbf;ifahsu; cq;fis mioj ;J mtu ; vLj ;j jpl ;lk ; gw ;w p vt;tpjkhd NritiaAk;> jfty;fisAk; cq;fsplk; vjpu;ghu;f;fyhk;. me;j rkaj;jpy; ePq;fs; nghUg;Gld; nray;gl Ntz;Lk;.

4. thbf;ifahsu; ,JNghd;W jtwhf Gupe;Jnfhz;L Nfhgkhf Ngrpdhy;> ePq;fs; nghUikahf ,Uq;fs;. ahuhf ,Ue;jhYk;> Nfhgj;jpy; Ngrpajw;fhf tUj;jk; milaNtz;Lk;. thbf;ifahsUf;F njspthf;fpa gpd; cq;fs; kPJ ed;kjpg;Ng tUk;.

5. Mdhy; > e Pq ;fs; xU mjpUg;jp thbf;ifahsiu mile;jhYk; > mJ gyuplk ; cq;fSf;F nfl;l ngaiu cUthf;Fk;. nfl;lit kpf tpiuthf guTk; vd;gJ ePq;fs; mwpe;jNj.!


,e;j jiyg;g py ; ehk ; tpthjpj ;j nghUs;fs; gpd;tUkhW. 1. ,e;j njhopy; ekf;F mwpKfkhd egu;fsplk; vspjhf

nra;af;$baJ. 2. vdNt ehk; mjpf mstpy; kf;fSld; njhlu ;G

itj;jpUj;jy; mtrpak;. 3. j pdKk ; ,e ;j njho pYf ;fhf Neuk ; xJf ;Fjy;

mtrpak;. 4. jpdKk; ehk; nra;jtw;iw gjpT nra;a Ntz;Lk;. 5. njhlu;r;rpahd Kaw;rpNa ntw;wpf;F top. 6. ek ;Kila ,e ;j njho py py ; ek ;g pf ;if itf ;f

Ntz;Lk;. 7. ek;Kila mjpfhupfsplk; ek;gpf;if itf;f Ntz;Lk;. 8. MAs; fhg;g PL midtUf;Fk; mtrpak; vd;gij

czuNtz;Lk;. 9. Neu;ikahfTk;> nghWg;GlDk; gzpahw;w Ntz;Lk;.

gapw;rp:gapw;rp:gapw;rp:gapw;rp: 1. jplkhd ml;il Nghl;l ePs 1Fau; my;yJ 2 Fau;

Nehl;Lg;Gj;jfk; thq;Fq;fs;. 2. mjw ;F mbg ; gil Mjhugj pT Gj ;jfk ; vd ;W

ngaupLq;fs;. 3. mjpy; ePq;fs; ahuplnky;yhk; ghyp]p Nfl;fyhk; vd;W

vz ;Zf pw P u ; f Nsh mtu ; fs ; mj ;Jid Ngu pd ; tptuq;fis gpd; tUk; ml;ltizg;gb vOjTk;. me;j gjptpy; Fiwe;jJ 200 egu;fspd; tptuq;fs; Jtf;fj;jpy; ,Ug;gJ ey;yJ.

4. jpdKk; Fiwe;jJ 3 Gjpa egu;fspd; tpguq;fis mjpy; gjpT nra;a Ntz;Lk;.

5. gpd;tUk; ml;ltizia Nehl;by; tyJ ,lJ ,uz;L gf;fq;fis xU gf;fkhf fUjp vOJq;fs;.

6. thbf;ifahsu; gw;wpa ve;j jftyhf ,Ue;jhYk; mjpy; Fwpj;JitAq;fs;.

7. ghyp]p je ;j thbf ;ifahsupd ; ghyp]p > Njjp > gpupkpak;> ghyp]p fhyk;> Kjpu;T> fhg;gPL kw;Wk; ,ju rYiffs; gw;wpa jfty;fis NtnwhU jdp ilup my;yJ Nehl;by; gjpT nra;Aq;fs;.


,e;j ml;ltiz gjpg;gpw;fhf klf;fp nfhLf;fg;gl;L cs;sJ. ePq;fs; gjpNtl;by; vOJk; NghJ ,lk; ,Ue;J tykhf ,uz;L gf;fq;fspy; ml;ltiz ,Uf;FkhW Nghjpa ,ilntsp tpl;L vOj Ntz;Lk;.

tupir vz;.

thbf;ifahsu; ngau;. Kftup> njhiyNgrp vz;.

mtuJ njhopy;

mtiu vg;gb njupAk;

Kjy; re;jpg;G ehs;

S. No Prospect’s Name Address & tele-phone number

Segment or busi-ness type

How do you know him/her?

1st ap-pointment date

2k; re;jpg;G ehs;

3k; re;jpg;G ehs;. Nju;T nra;j jpl;lk;

gbtk; nrYj;jpa ehs;

gbt njhif

Plan se-lected

Proposal Date

Premium Amount

ghyp]p toq;fpa ehs;

gpwe;j ehl;fs;

Policy Date Birth Days


nrd;w jiyg;g py ; ehk ; $wpadtw;w py ; > ,e;j njhopiy nra;a ek;Kila njhopy;gw;wpa mwpT kpf Kf ;f pak ; vd ;W fz ;Nlhk ; . NkYk ; ,J nghUs ; tpw;gid ,y;iy. ,J jpl;lq;fis tpw;Fk; njhopy;. jpl;lj;ijAk;> mjd; NjitiaAk;> mjdhy; fpilf;Fk; gaidAk; rupahf tpsf;fNtz;Lk; . thbf;ifahsu; Nfl;Fk; Nfs;tpfSf;F rupahfTk; > cldbahfTk; gjpyspg;gjd; %ykhfNt ehk; thbf;ifahsupd; kdij ntd ;W mtUila ek ; g p f ;ifia ngw KbAk ; . epr;rakhf ,e;j njhopypd; ,ufrpak;> thbf;ifahsupd; kdjpy; xU jplkhd ek;gpf;ifia Vw;gLj;JtNj. kpfTk; ntw;wpfukhf njhlu;e;J ntw;wpngWk; %j;j Kftu;fsplk; Ngrpg;ghUq;fs;. mtu;fSf;F epr;rak; mjpf mstpy; njhopy;gw;wpa mwpT kw;Wk; jfty;fs; ,Uf;Fk;. NkYk; mtu ;fsplk ; gapw ;r p tFg;g pd ; mtrpaj ;ij Nfl;Lg;ghUq;fs;. midtUk; mtrpak; Njit vd;Wjhd; $Wthu;. ehd; KjypNyNa $wpaijg;Nghy MAs; fhg;gPL tpw;gid xU fiyNghy. ,e;j fiyia jpwk;gl nra;a> ePz;l gapw;rpAk;> mjpf mwpTk; Ntz;Lk;. ehk; rupahd jfty; mwptpd;wp gapw ;rpapy; ,wq;Fjy;> fbthsk; ,y;yhj Fjpiuapd; kPJ rthup nra;jtd; epiyf;F MshNthk;. Njitahd msT jfty;fis ehk; vt;tsT Neuk; xJf;fpahtJ fw;Wf;nfhs;s Ntz;Lk;. cq ;fs py ; r pyu ; “ ehd ; Gj ;jfj ;ij gbj ;J jfty;fis fw;Wf;nfhs;Ntd;” vd;W $wyhk;. Mdhy; ePq ;fs; Gj;jfk; kl;Lk ; gbj;J ePr ;ry; mbj;jegiu fz ; l Jz ; l h ? G j ; j f k ; g b j ; J g u j e h l ; b a k ; muq;Nfw;wpatiu fz;lJz;lh? ,tw;iw ve;j xU gapw ;rpahsUk; ,y;yhkNyNa fw;wtUz;L. Mdhy; mtw;iw gapw;rpnra;a mtu;fs; nrytopj;j Neuk; kpf mjpfkhf ,Uf;Fk;.


Kiwahd Mrhd; %yk; ve;jnthU tpj ;ijiaAk; t piwthfTk ; > g pio ,d ;w pAk ; fw ;fyhk ; . NkYk ; mtUila mDgtj;jpd; %yk; ehk; EZf;fq;fisAk; vspa KiwiaAk; fw;wyhk;. ehd; xUKiw vdJ fpisapy;> gapw;rp tFg;gpw;F Kiwahf te;j Kftu;fs; nray;ghl;il Muha;e;Njd;. xU cz;ik fz;Lgpbg ;G vd;d njupAkh? gapw ;r p tFg;gpw;F njhlu;r;rpahf te;jtu;fspy; 70 rjk; Kftu;fs; ntw;wpailfpwhu ;fs; . Mdhy; gapw ;rp tFg;GfSf;F njhlu ; e ;J tuhj Kftu ; fs py ; 7 0 rjk ; cldb Njhy;tpailfpwhu;fs; kPjk; 30 rjk; XupUtUlq;fspy; Njhy;tpailfpwhu;fs;. vdNt ePq;fs; ,e;j njhopypy; gy Mz;Lfs; rpwe;J tpsq;f Ntz;Lnkdpy;> xU gapw;rp tFg;igAk; jtwtplhjPu;fs;. ehd; fpis Nkshsuhf ,Ue;jNghJ trjpgilj;j> xU njhopy; mjpgiu Kftuhf vkJ tsu;r;rp Nkshyu; mwpKfk; nra;jhu;. me;j egu; jpl;lq;fs; kw;Wk; Vida gapw;rp tFg;GfSf;F tuNt ,y;iy. ehd; tpw;gid Nkshyiu ,Jgw ;w p Nfl ;lNghJ mtUf ;F mjpf Ntiyg;gS ,Ug;gjhfTk; jhd; rpwpJ rpwpjhf mtUf;F gapw ;r p tFg;G jfty;fis gapw ;r p mspg ;gjhfTk; cWjpaspj;jhu;. Mdhy;> ,e;j njhopiy nra;tjw;fhd vy;yh jFjpAk; ,Ue;Jk; mtu; mtuJ nrhe;j ghyp]p jtpu NtW ve;j ghyp]pAk; nra;atpy;iy. Vndd;why; ,j;njhopy; njhlu;ghd Nghjpa mwpT ,y;yhjNghJ ekf;F ek;gpf;if gpwf;fhJ. xU ehs; me;j Kftiu xU tpUe ;j py ; re ;j pf ;f Neu ;e ;jJ. ehd; mtuplk ; ,e;j njhopiy iftpl;l fhuzj;ij Nfl;Nld;. mjw;F mtu; mspj;j gjpy; kpFe;j Ntjid mspj;jJ. me;j gjpy; vd;dntd;why;> ,j;njhopypy; mtu; KOikahf mtuJ mjpfhupia rhu;e;jpUg;gjhfTk;> mtUf ; F N e uKk ; > t h a ; g ; G k ; f p i lf ; i fa p y ; nray;gl ,ayhikANk fhuzkhf $wpdhu;. NkYk; me;j mjpfhu p vy;yhtw ;iwAk; jhNd nra;tjhf cWjp mspj ;jhfTk; mtUila thf;if fhg ;ghw ;w mtu; Kaw;r;rpf;ftpy;iy vd;Wk; Fw;wk; rhl;bdhu;. nghJthf ek ;Kila Njhy ; t p f ; Fk ; jtWjYf ;Fk ; g p wiu gopRkj;Jgtu; Mq;fhq;Nf cz;L.


mNjrkaj;jpy;> ,e;j Kftu; Kiwahf gapw;rp tF g ; G fSf ; F t e ; j p U e ; j h y ; > ,d ; W cj h uz Kftuhf ,Ue;jpUg;ghu; vd;gjpy; Iakpy;iy. mNdfkhd gl ;lg ; gbg ; GfSf ;F mQ;ry ;to p fy;tp ,Uf;ifapy ; > tpQ;Qhdk; njhiynjhlu ;g py ; tpz;izKl;Lk ; tsu ;r ;r p mile ;Js;s epiyapy ; > kUj;Jtg;gbg;Gkl;Lk; Vd; mQ;ry;topapNyh> ky;b kPbah topapNyh ,y;iy? Vndd;why; kUj;Jtk; xU kdpjdpd; tho ;f ;if rk ; ge ;jg ; gl ; lJ . kUj ;Jtu ; md ;Ws ;s tpahj pf ;Fj ;jhd ; kUj ;Jtk ; nra ;f pwhu ; . Mdhy ; > MAs;fhg ;g Pl ;L KftNuh vj pu ;fhyj ;ij fzpj ;J> vjpu;fhyj;jpy; tuf;$ba NjitfSf;F Kd;$l;bNa fhg;gPL vDk; rpfpr;ir mspf;fpwhu;. vdNt MAs;fhg;gPl;L Kftu ;fSf ;F ga pw ; r p Kfhk ; kw ;Wk ; tFg ; Gfs ; ,d;wpaikahjjhf cs;sJ. gapw;rp tFg;Gfs; Kiwahf te;j xU Kftu; e hd ; Kd ; G $w p a j p Ukj p . c\h . mt u ; r p y ehl;fspNyNa> ngupa thbf;ifahsu;fSf;F kl;Lk; mjpfhupapd; cjtpia ehLthu; . eLj;ju kw;Wk; rpW thbf;ifahsuplk; jhdhfNt NgRk; jpwid tpiutpy; ngw;Wtpl;lhu;. ,jdhy;> gyKiw mjpfhupfs; khwpdhYk; mtuJ tUkhdk; Fiwatpy;iy. NkYk; fle;j ,uz;L t U l q ; f s h f m t u ; j h d h f N t m i d j ; J thbf;ifahsiuAk; re;jpj;J kpf rpwg; ;ghf gzpahw;wp tUfpwhu ; . mjw;F xNu fhuzk; > gapw ;r p tFg ;g py ; fw;Wf;nfhz;lij KOikahf nray;gLj;jpdhu;. (Kd;du; nrhd;d ml;ltiz $l) kw;WnkhU Kftu; jpU. fhu;j;jpf;. ,tu; 24 taNj Md ,isQu;. ,tu; nrd;idapy; Ntiy nra;Jte;jhu;. gapw;rp tFg;GfSf;fhf 15 ehl;fs; tpLg;G vLj;J gapw;rp ngw;whu;. gpd;du; ,j;njhopypYs;s tUkhd tha;g;ig mwpe;J> Ntiyia tpl;L KONeu Kftuhdhu;. ,tu; Jtq;fpa ehs; Kjy; jukhd Nehl;Lg;Gj;jfj;jpy; mofhf gytz;z vOj;Jf;fspy; jfty;fis gjpT nra;thu;. ehd ; mtUld; gzpGu pe ;j 3 tUlq ;fSNk mjpf vz;zpf;ifapy; ghyp]p Nru;j;J Kjy; 5 ,lq;fSf;Fs; tUthu ; . NkYk ; mtu ; njhlu ; e ;J kd ;w (f psg ; ) cWg;gpduhf jFjpngWthu;.


ehd ; fle ;j 7 tUlq ;fshf MAs;fhg ;g Pl ;L Jiwapy; ,Uf;fpNwd;. mbf;fb gapw;r;rp tFg;GfSf;Fk;> jpde;NjhWk; kpd;dQ;ry; top jfty;fisAk; fw;gJz;L. Mdhy; vdf;F jw;NghJ $l 25 rjk; jfty;fs; jhd; njupe;jpUf;f KbAk;. xUehs; xU Kftu; Nrkpg;gpd; mtrpaj;ij kpfTk; vspikahf $wpaJ vg;NghJk; vq;Fk; vdf;F fpilj;jpUf;fhj jftyhFk;. mtu; $wpa jfty;: flTs; Kl;ilf;Fs; ,Uf;Fk; gwitf; FQ;r pw ;F> Kl;ilf ;Fs; ,Uf ;Fk ; fhyk ; tiuapyhd czit Kl;ilf;Fs; itf;fpwhd;. mJ ntspNawpa cld;> ,iwia Njb miya itf;fpwhd;. ,iwtDf;F jdJ gilg;ghd me;j gwitf;FQ;rpw;F vd;d Njit vd;gij mwpe;J Kl;ilf;Fs; Njitahd Gujj;jij Nrkpg;ghf itj;Js;shd;. mJNghy ePq;fs; c q ; f s J n g w ; N w h U k ; > k i d t p k f ; f S k ; ghJfhg;ghf ,Uf;f Ntz;Lnkd;why;; mtu;fsJ tho;ehs; tiu thOk; mstpw;;f;F fhg;gPL nra;tJld; Nrkpg;gNj rpwe;j top. gapw ;r p tFg;Gfspy; kl;LNk ekJ njhopiy nrt;tNd nra;tjw;fhd midj;J cjtpj; jfty;fSk; gapw;r;rpAk; fpilf;Fk;. njho py py ; cr ;r e piyapy pUf ;Fk ; kUj ;Jt epGzu;fis ed;F ftdpAq;fs;> mtu;fs; tUlk; xU Kiw NaDk ; mt u ; f s ; n j h o p y ; r k ; g e ; j k h d fUj;juq;FfSf;F jq;fsJ nrhe;j nrytpy; nry;thu;fs;. mj;jifa fUj;juq;Ffs; ntspehl;by; ele;jhYk; $l nryitAk; fhyj;ijAk; ghuhky; rpuj ;ij vLj;J n r y ; t h u ; f s ; . V d ; n r y ; y N tz ; L k ; ? G j p j h f mwpKfkhfpAs;s njhopy; El;gq;fisAk;> fUtpfisAk;> rpfpr;irKiwiaAk; KiwNa njupe;J nfhz;L> gy;NtW epGzu;fSld; fye;jhb> mwpitg;ngUf;fp> njhopiy rpwg;ghfTk; jpwk;glTk; nra;a Ntz;Lk; vd;w xNu nfhs;ifjhd;. ekf;Fk; ekJ njhopiy rpwg;ghf nra;a mjpf mwpTk; jfty;fSk; Njitay;yth? fw;wJ ifkz; msT fy;yhjJ cyfsT vd;gij ePq ;fs; ed;F mwptPu;fs; my;yth?

mjpf gapw;rp mjpf ek;gpf;if..!mjpf gapw;rp mjpf ek;gpf;if..!mjpf gapw;rp mjpf ek;gpf;if..!mjpf gapw;rp mjpf ek;gpf;if..!


gapw;rp tFg;Gfspy; jtwhky; fye;Jnfhs;s rpy topfs;. 1. gapw;rp tFg;Gfs; Jtq;Fk; Njjp> vj;jid ehl;fs;

vd;w tpguq;fis rupahf Gupe;Jnfhs;sTk;. 2. gapw;rp tFg;Gfs; elf;Fk; rkak; vj;jid Kf;fpa

Ntiy ,Ue;jhYk ; mtw ;iw Kd;dNk Kbj ;J tpLq;fs;.

3. mt;thW Kbf;f ,aytpy ;iynadpy; jw;fhypf Vw;ghl;il nra;Aq;fs;.

4. mg ;gbAk ; Kbf ;f ,aytpy ;iynadpy ; gapw ; r p tFg;Gfs; Kbe;jgpd; fpilf;Fk; Xa;T Neuj;jpy; nra;Aq;fs;.

5. xt;nthU gapw;rp tFg;gpYk; ehk; rpwg;ghf nray;gl VjhtJ gaDs;s jfty; fpilf;Fk; vd jPu;khdkhf ek;Gq;fs;.

6. Neu Nkshz;ikia gad;gLj;jp> cq;fs; kw;w Nti-yfSf;F gapw;rpf;F gpwF NeukspAq;fs;.

7. cq;fsJ ,d;ikia rupnra;a> neUq;fpa cwtpdu; kw ;Wk ; ez ;gu ; fs pd ; cjtpia jw ;fhy pfkhf jaq;fhky; NfSq;fs;.

2004k; Mz;by; Kftu;fSf;F 18 ehs; gapw;rp Kfhk; njhlu;e;J elf;Fk;. 18 ehl;fs; njhlu;e;J fye;J nfhz;lhy;jhd; Kftu; iyrd;]; (cupkk;) thq;f vOJk; gupl;irf;fhd mDkjp toq;fg;gLk;. mg;NghJ jpUkjp. uk;ah vd;w Kftu; 18 ehl;fSk; fye;Jnfhz;L ey;y kjpg;ngz; thq;fp Njwpdhu; . ,jpy; vd;d rpwg;gk;rk; vd;why;> mg;NghJ mtUf;F 3khj Foe;ij ,Ue;jJ. mtu; jdJ ghl;bia Jizf;F $l;bte;J gapw ;rp tFg;ig njhlu;e;jhu;. gapw;rp Neuj;jpy; mtuJ ghl;b NtnwhU miwapy; Foe;ijia ghu;j;Jf; nfhz;bUg;ghu;. ,tu; 2 kzpf;F xUKiw Foe;ijf;F ghY}l;btpl;L ga p w ; r p ia nj h lUt h u ; . ,tUila e piya p y ; ngUk;ghyhNdhu; vd;d nra;thu;fs;? gapw;rpapy; fye;Jnfhs;s Mu;tKk;> cWjpAk; ,Ue;jhy; kl;Lk; NghJk;. top jhdhf fpilf;Fk;. ekJ tho;ehspy; Gjpjhf xd;iw fw;Wf;nfhs;s vt;tsT Neuk; xJf;FfpNwhk; vd;W rw;Nw vz;zpg;ghUq;fs;.


xU tpw ;gid Kaw;r p ntw;w paila gy;NtW fhuzpfs ; cz;L . mtw ;Ws ; Kf ;f pakhditfs ; t hbf ; ifa hs u pd ; md ; wa ng hUshj h u e piy > thbf;ifahsupd; md;wa Kf;fpa Njit> Rw;wp cs;Nshu; fUj;J kw;Wk; cq;fsJ jpUg;jpgLj;Jk; jpwik Mfpad. ,jpy; kw;w midj;Jk; cq;fs; ifapy; ,y;iy. Mdhy; thbf;ifahsiu jpUg;jp nra;Ak; jpwik KOf;f KOf;f cq;fs; ifapy;. xU thbf;ifahsu; e Pq ;fs; $Wk; jfty;fs; jd;ikiaAk; cz;ikiaAk; nghUj;Nj cq;fis mq;fPfupf;fpwhu;. ehk; tpw;Fk; nghUspid thbf;ifahsu; ghu;f;f KbahJ. mij njhl;L czu KbahJ NkYk; ek;Kila jpl;lj;jpd; gyid thbf;ifahsNuh> mtuJ thupRfNsh mDgtpf;f ePz;l fhykhFk;. vdNt ekJ tpw;Fk; jpwd; kpf kpf gl;iljPl;bajhf ,Uf;f Ntz;Lk;. ek; tpw;Fk; jpwd;> Fwpg;ghf ek;Kila njhopYf;F mtrpak ; . thbf ;ifahsu ; ekf ;F ed;F mwpKfk; Mfhjtuhf ,Ue;jhYk;> mtu; ek;Kila mwptpw ;F Kf;fpaj;Jtk; mspg;ghu;. ek;Kila njhopy; rhu;e;j mwpntd;gJ> ek;Kila epWtdj;ij gw;wpa rpwe;j jfty;fs;> ek;Kila njhopy; gw;wpa jfty;fs;> ek; jpl;lq;fs;gw;wpa jfty;fs;> Nghl;bahsupd; jpl;lq;fs; gw;wpa jfty;fs;> kw;w Nrkpg;G kw;Wk; KjyPl;L jpl;lq;fs; gw;wpa jfty;fs;> jw;Nghja re ;ij epytuk ; > vj pu ;fhyj ;j py ; xU kdpjd; Neu ; nfhs;Sk; nrytPdq;fs; gw ;w pa jfty;fs; > MAs; fhg ;g Pl ;L tzpfj;jpd ; ghJfhg;G mk;rq;fs; kw;Wk; ek;gfj;jd;ik NkYk; gy;NtW nghJ mwpT kw;Wk; ehl;L elg;Gfs; gw;wpa mwpT Mfpad KftUf;F Njitahd jfty;fshfpd;wd.


Mifahy;> ,j;jifa jfty;fis ehk; mwpe;jpUj;jYk;> mtw;iw kddk; nra;jpUj;jYk;> Njitahdtw;iw ru pa hd Neuj ; j py ; nju pt pj ; jYk ; ,j ; njho py py ; ,d;wpaikahjy; MfpwJ. rpy ,d;wpaikahj jfty;fs;:rpy ,d;wpaikahj jfty;fs;:rpy ,d;wpaikahj jfty;fs;:rpy ,d;wpaikahj jfty;fs;: 1. ek;Kila njhopypd; jd;ik gw;wpa jfty;fs;. 2. ehk; rhu;e;Js;s epWtdk; gw;wpa jfty;fs;. 3. ehk; tpw;f;Fk; jpl;lq;fs; gw;wpa jfty;fs;. 4. ek;Kila Nghl;bahsUila jpl;lq;fs;. 5. Vida gpw Nrkpg;G kw;Wk; KjyPl;Lj;jpl;lq;fs; gw;wpa

jfty;fs;. 6. nghUshjhu mbg;gil jfty;fs;. 7. fhg ;g Pl ;L epWtdq;fspd; ghJfhg;G gw;wpa rl;l

jpl;lq;fs; gw;wpa jfty;fs;. 8. md;whl epfo;Tfs; gw;wpa jfty;fs;. “ xU KftUila ntw ;w p mtuJ ciwahly py ; xU KftUila ntw ;w p mtuJ ciwahly py ; xU KftUila ntw ;w p mtuJ ciwahly py ; xU KftUila ntw ;w p mtuJ ciwahly py ; gu pkhwg ;gLk ; jfty ;fs pd ; Kf ;f paj ;Jtj ;ijAk ; > gu pkhwg ;gLk ; jfty ;fs pd ; Kf ;f paj ;Jtj ;ijAk ; > gu pkhwg ;gLk ; jfty ;fs pd ; Kf ;f paj ;Jtj ;ijAk ; > gu pkhwg ;gLk ; jfty ;fs pd ; Kf ;f paj ;Jtj ;ijAk ; > jdpj;jd;ikiaAk; nghUj;J NtWgLk;.jdpj;jd;ikiaAk; nghUj;J NtWgLk;.jdpj;jd;ikiaAk; nghUj;J NtWgLk;.jdpj;jd;ikiaAk; nghUj;J NtWgLk;.” 1. ek;Kila njhopypd; jd;ik gw;wpa jfty;fs;.1. ek;Kila njhopypd; jd;ik gw;wpa jfty;fs;.1. ek;Kila njhopypd; jd;ik gw;wpa jfty;fs;.1. ek;Kila njhopypd; jd;ik gw;wpa jfty;fs;. fhuzkpy;yhkYk;> ,yf;fpy;yhkYk; nra;Ak; ve;j nraYk; tPzhfj;jhd; NghFk;. NkYk;> ehk; nra;Ak; nraiyg;gw;wp njspthf njupahjNghJ ehk; mij KO <Lghl;NlhL nra;a ,ayhJ. KO <Lghlw;w ve;j xU nraYk; KOikahd gyid juhJ. ek ;Kila njhopypd; jd;ik gw;w pa jfty; vd;why;> ,j;njhopYf;F Njitahdit gw;wpa jfty;fs;> ek;Kila njhlu;Gfspd; cz;ik epiy> mtu;fspd; tpUg;gq;fs; kw;Wk; vjpu;ghu;g;G Mfpad MFk;. ehk; Kd;du; mwpe;jJ Nghy;> ek;Kila njhopypd; jd;ik Nrit nra;jy; MFk;. Nrit nra;jy; vd;gJ> thbf;ifahsupd; Njitfis G+u;j;jp nra;jy; MFk;. ,J nghUs; tpw;Fk; njhopypypUe;J Kw;wpYk; khWgl;lJ. ehk; thbf;fiahsUf;F jpl;lq;fisj;jhd; tpw;fpNwhk;. mtu; fhzKbahj> njhl;L czuKbahj> Gyd;fshy; mwpa


Kbahj nghUspid tpw;fpNwhk;. Mifahy;> jpl;lq;fis thu;j;ijfshy; kl;LNk jpwk;gl tpsf;Fk; jpwikia tsu;j;Jf;nfhs;s Ntz;Lk;. cjhuzkhf> ek; tho;tpy; ele;j epfo;Tfis gpwuplk; $Wk;NghJ> mtu; epfo;r;rp ele ; jij fw ; gid nra ;J Gu p e ;J nfhs ;SkhW tpsf;FfpNwhk ; my;yth? mNj Nghy jpl ;lq ;fis ek;Kila thbf;ifahsupd; kdf;fz;Kd; tUkhW tpsf;Fk; jpwik ek;kplk; tsu;j;Jf;nfhs;s Ntz;Lk;. njhopypd; jd;ikgw ;w pa Nghjpa jfty;fs; ek ;k plk ; ,Ue;jhy; ehk ; ftdKld; nray;glyhk; . cjhuzj;jpw;F> xU Kftu;> ,j;njhopypd; jd;ikgw;wp> mtu; njhlu;Gfspd; cz;ik epiygw;wp> me;j kf;fspd; tpUg;gq;fs;gw;wp njupahky; njhopiy Jtq;fpdhy;> vjpu;ghuhj vjpu;kiw tpisTfis re;jpf;f NeUky;yth? ,j ;jifa ek ; njhopy ; gw ;w pa jfty;fis ,j ;jifa ek ; njhopy ; gw ;w pa jfty;fis ,j ;jifa ek ; njhopy ; gw ;w pa jfty;fis ,j ;jifa ek ; njhopy ; gw ;w pa jfty;fis nju p e ;J nf hs ;Sk ; ngl ; lfk ; vq ;Fs ;sJ? ek ; nj u p e ;J nf hs ;Sk ; ngl ; lfk ; vq ;Fs ;sJ? ek ; nj u p e ;J nf hs ;Sk ; ngl ; lfk ; vq ;Fs ;sJ? ek ; nj u p e ;J nf hs ;Sk ; ngl ; lfk ; vq ;Fs ;sJ? ek ; gf;fj;jpNyNa..! Mk;! ek; epWtdj;jpy;> ek; Jiwapy; gf;fj;jpNyNa..! Mk;! ek; epWtdj;jpy;> ek; Jiwapy; gf;fj;jpNyNa..! Mk;! ek; epWtdj;jpy;> ek; Jiwapy; gf;fj;jpNyNa..! Mk;! ek; epWtdj;jpy;> ek; Jiwapy; rpwg;ghf nray;gLk; gpw Kftu;fsplk; cq;fs; el;ig rpwg;ghf nray;gLk; gpw Kftu;fsplk; cq;fs; el;ig rpwg;ghf nray;gLk; gpw Kftu;fsplk; cq;fs; el;ig rpwg;ghf nray;gLk; gpw Kftu;fsplk; cq;fs; el;ig tsu;j;Jf;nfhs;Sq;fs;! mtu;fsplk; xUthuj;jpy; xUkzp tsu;j;Jf;nfhs;Sq;fs;! mtu;fsplk; xUthuj;jpy; xUkzp tsu;j;Jf;nfhs;Sq;fs;! mtu;fsplk; xUthuj;jpy; xUkzp tsu;j;Jf;nfhs;Sq;fs;! mtu;fsplk; xUthuj;jpy; xUkzp NeukhtJ ciwahLq;fs;.NeukhtJ ciwahLq;fs;.NeukhtJ ciwahLq;fs;.NeukhtJ ciwahLq;fs;.

ehk; ,e;j njhopiy Jtq;Fk;NghJ> midtUk; ek ;ik Cf ;Ft pf ; fk hl ; l u ; fs ; . xUr pyu ; kl ; Lk ; ,iykiwfhahf ek ;Kila ,j ;njho piy ey ;y Nju;ntd;W $Wthu;fs;. Vida midtUNk vjpu; k iwahfNt $Wthu ; fs ; . ,tw ; w pw ; nfy ;yhk ; ehk ; Kf;fpaj;Jtk; nfhLj;jhy; > ,j;njhopypd; Vw ;wkpF tha ;g ;ig ,oe ;jtuhNthk ; . ,j ;njho py py ; ntw ;w p ngw;wtu;fs; midtUf;Fk; Jtf;ffhy vjpu;g;G epr;rak; ,Ue;jpUf;Fk;. ,j;njhopypd; kfj;Jtk; mwpe;jtu;fs; kl;LNk cq;fis Cf;Ftpg;ghu;fs;. mtu;fs; mNdfkhf Kd ;dNk ,j ; nj ho py py ; <Lgl ; bUg ; g h u ; fs ; . Nt iyaw;wtu;fspd; tPzhd nrhw;fshy; ePq;fs; kdk; js uhky; ,Uf;f Ntz;baJ kpf Kf;fpak;. ,j;njhopy; tw;whj [PtejpapypUe;F jz;zPu; vLg;gjw;F rkkhFk;. ehk; vt;tsT rk;ghjpf;f epidf;fpNwhNkh> mt;tsT rk;ghjpf;fyhk; . ekf;F Njit njspthf NgRk; jpw ikAk;> el;ig Nrfupf;Fk; jd;ikANk MFk;.


2. ehk; rhu;e;Js;s epWtdk; gw;wpa jfty;fs;:2. ehk; rhu;e;Js;s epWtdk; gw;wpa jfty;fs;:2. ehk; rhu;e;Js;s epWtdk; gw;wpa jfty;fs;:2. ehk; rhu;e;Js;s epWtdk; gw;wpa jfty;fs;: ehk; rhu ;e ;Js;s epWtdk; gw;wpa jfty;fs; > ek;Kila Nghl;bia rkhspf;fTk;> thbf;ifahsu; kdjpy; ed;ek;gpf;ifia cUthf;fTk; kpf mtrpak;. ePq;fs; kpfr;rpwe;j jpl;lj;ij gupe;Jiuj;jhYk;> ePq;fs; rhu;e;Js;s epWtdk; gw;wpa cq;fsJ mwpT cq;fs; tpw;gidapy; kpf Kf;fpa gq;Ftfpf;fpwJ! “ ePq;fs; vj;jifa jfty;fis njuptpj;jhYk; mij ePq;fs; vj;jifa jfty;fis njuptpj;jhYk; mij ePq;fs; vj;jifa jfty;fis njuptpj;jhYk; mij ePq;fs; vj;jifa jfty;fis njuptpj;jhYk; mij thu;j ;ijfspy; kl;Lk; tpsf;fhky;> mjw;fhd Mjhu thu;j ;ijfspy; kl;Lk; tpsf;fhky;> mjw;fhd Mjhu thu;j ;ijfspy; kl;Lk; tpsf;fhky;> mjw;fhd Mjhu thu;j ;ijfspy; kl;Lk; tpsf;fhky;> mjw;fhd Mjhu gpujpfis vg;NghJk; ifapy; itj;jpUq;fs;. Njitahd gpujpfis vg;NghJk; ifapy; itj;jpUq;fs;. Njitahd gpujpfis vg;NghJk; ifapy; itj;jpUq;fs;. Njitahd gpujpfis vg;NghJk; ifapy; itj;jpUq;fs;. Njitahd rkaj;jpy; mij thbf;ifahsuplk;; fhz;gpAq;fs;.rkaj;jpy; mij thbf;ifahsuplk;; fhz;gpAq;fs;.rkaj;jpy; mij thbf;ifahsuplk;; fhz;gpAq;fs;.rkaj;jpy; mij thbf;ifahsuplk;; fhz;gpAq;fs;.” ehk ; rhu ;e ;Js;s epWtdk; gw ;w pa jfty;fs; vd;gJ> ek ;Kila epWtdj;j pd ; ghuk ;gu pak ; > ek ; epWtdj;jpd; nray;ghL> gq;Fjhuu ; gw ;wpa tptuk; > ek;Kila epWtdj;jpd; rkPgfhy nray;ghL> fpisfspd; vz;zpf;if> ehk; jUk; Nrit kw;Wk; ek;epWtdj;jpy; thbf ;ifahsUf ;F f pilf ;Fk ; jdpj ;Jt ed ;ik Mfpatw;iw mjw;fhd Mjhu gpujpfSld; tpsf;f Ntz;Lk; . ,j;jifa jfty;fs; thbf;ifahsUf;F kpFe;j ek;gpf;ifia jUk;. MAs;fhg;gPL vd;gJ xNukhjpupahd jj;Jtj;jpd; mbg;gilapy; cUthf;fg;gl;l xNukhjpupahd (xU rpy khw ; wq ; fs ; ) jd ;ikAila j pl ; lq ; fNs! NkYk ; MAs;fhg;g Pl ;L tzpfj;jpy; <Lgl;bUf;Fk; midj;J epWtdq;fSk; rpwe;e ghuk;gupak; kw;Wk; nray; jpwd; nfhz;Ls;sd. vdNt ek;Kila epWtdj;jpd; gw;wpa jfty ; fs ; thbf ;ifahsiu > ekf ;F r hjfkhd KbntLf;f epu;ge;jpf;Fk;. ek ;Kila e pWtdk ; gw ; w pa jfty ; fSk ; tpsf;fq;fSk; ek;Kila fpisfspNyNa fpilf;Fk;. jaq;fhky; mtw;iw Nrfupj;J ehSf;F ehs; Vw;gLk; Kd;Ndw;wq;fis mwpe;jpLq;fs;. 1. epWtdk; Jtq;fp v j ; j i d Mz ; L f s ; M f p w J 2 . v j ; j i d thbf;ifahsu;fs;> 3. ruhrupahf vj;jid ehl;fspy; Kjpu;T kw;Wk; ,og;gPL jUfpNwhk;> 4. epWtd gq;Fjhupd; ghuk;gupak; > 5. epWtdk; ngw;Ws;s ew;rhd;wpjo;fs; Mfpad kpfTk; gaDs;s jfty;fs; MFk;.


3. ehk; tpw;Fk; jpl;lq;fs; gw;wpa jfty;fs;.3. ehk; tpw;Fk; jpl;lq;fs; gw;wpa jfty;fs;.3. ehk; tpw;Fk; jpl;lq;fs; gw;wpa jfty;fs;.3. ehk; tpw;Fk; jpl;lq;fs; gw;wpa jfty;fs;. ehk; Kd;djhfNt mwpe ;jJNghy; > ek;Kila tpw;gid fz;zhy; fhz,ayhj xd;iw tpw;gJ. ehk; tpw;gJ jpl;lk; kl;LNk! jpl;lj;jpd; (ghyp]p) Njit egUf;F egu; khWgLk;. jpl;lfhyk;> gpupkpak; njhif> gpupkpak; nrYj;Jk; fhyk;> Kjpu;T njhif kw;Wk; gy fhuzpfs; xt;nthU egUf;Fk; khWgLk; . ek;Kila tpw;gid ntw;wpfukhf KOikaila Ntz;Lnkdpy;> ehk ; thbf;ifahsiu KOikahf ftu Ntz;Lk ; . mt;thW ftuNtz;Lnkdpy;> ehk; rpghupR nra;Ak; jpl;lk; thbf ;ifahsu pd ; Njitia KOikahf G + u ;j ; j p nra;aNtz;Lk ; . ,t;thW jpl ;lq ;fis egUf;Nfw ;g toq;FtNj xU jdp fiy MFk;. xt;nthU fhg ;g Pl ;L e pWtdj;j pYk ; gy ;NtW jpl;lq;fs; (ghyp]pfs;) cz;L. midj;J jpl;lq;fSk; ntt;NtW rpwg;gpay;ig ngw;wpUf;Fk;. ehk; midj;J thbf;ifahsUf;Fk; xNu jpl;lj;ij toq;f ,ayhJ. mNjNghy;> gy;NtW jpl;lq;fis xNu thbf;ifahsuplk; tpw;fTk; KbahJ. vdNt ehk; Kjypy; thbf;ifahsupd; gyd;fis fUj;jpy; nfhz;L mtUf;Nfw;w rpwe;jNjhu; jpl;lj;ij toq;f Ntz;Lk;. ek;Kila thbf;ifahsu; ekJ jpl;lq;fis gw;wp KOJk; mwpahjtu;. mNjrkak; vjpu; fhyj;jpy; gpw Kftu;fs; %yk; ek;Kila gpw jpl;lq;fs; gw;wp mwpa Neuyhk;. Mifahy; ehk; toq;Fk; jpl;lk; thbf;ifahsupd; gyid fUj;jpy; nfhz;L toq;fg;gl;ljhf ,Uj;jNy kpf;f ed;W. ehk; rpwe;jijNa rpghupR nra;a Ntz;Lk; vd;why;> ekf;F midj;J jpl;lq;fisg;gw;wpa njspthd mwpT N tz ; L k ; . j p l ; l q ; f i s g ; g w ; w p A k ; > m j d ; rpwg;gk;rq;fisg;gw;wpAk; Mokhf mwpe;jpUe;jhy; ehk; jtW nra ;Ak ; tha ;g ; G k pf FiwT NkYk ; ekJ jd;dk;gpf;ifAk; ngUFk;. midj;J jpl;lq;fisg;gw;wpa mwpT> rpy jpl;lq;fis xUq;fpidj;J Nfhk;Ngh g;shd; vDk; $l;L jpl ;lj;ij ehNk tbtikf;fyhk; . ,J thbf;ifahsuplk; Mu;tj;ij mjpfupf;Fk;.


jpl;lq;fisg;gw;wp ehk; njspthf njupe;J nfhs;s Ntz;Lnkd;why;> ehk; Gj;jfq;fisNah> epWtd ntspaPL-fisNah gbg ; gjd ; %yk ; KOikahf nju p e ;J nfhs;s ,ayhJ. jpl;ltpsf;f rpwg;G tFg;GfSf;F jtwhky; nry;tjd; %yNk ehk; njspthd mwpitAk;> jpl;lq;fs; %yk; thbf;ifahsu; Njitia G+u ;j ;jp nra ;Ak ; t pjk ; mtUf ;F tpsf ;Fk ; KiwiaAk ; > re;Njfq;fis eptu;j;jp nra;Ak; gjpy;fisAk; mwpa KbAk;. ekJ epWtdj;j pd ; midj;Jjpl ;lq ;fisAk; njspthf njupe;Jnfhs;tjd; %yk;> ehk; tpw;gidia r p w g ; g h f n r a ; t N j h L > t p w ; g idf ; F g p w Fk ; mt;thbf;ifahsiu KO ek;gpf;ifNahL mZf ,aYk;. mg;gb my;yhJ> ehk; ek;Kila gyid Kd;epWj;jpNah> jtWjyhf thbf;ifahsupd; Njitia G+u;j;jp nra;ahj jpl;lj;ijNah tpw;wpUe;jhy; > ehk; thbf;ifahsupd; ek;gpf;ifiaAk;> mtiu rhu;e;jtu;fspd; ek;gpf;ifiaAk; KOikahf ,of;f NeupLk;. “ x U r p y K f t u ; f s ; m t u ; fSi la f k p \d ; x U r p y K f t u ; f s ; m t u ; fSi la f k p \d ; x U r p y K f t u ; f s ; m t u ; fSi la f k p \d ; x U r p y K f t u ; f s ; m t u ; fSi la f k p \d ; rjt Pjj ;j pw ;fhf r py Neuk ; jtwhd jpl ;lq ;fis rjt Pjj ;j pw ;fhf r py Neuk ; jtwhd jpl ;lq ;fis rjt Pjj ;j pw ;fhf r py Neuk ; jtwhd jpl ;lq ;fis rjt Pjj ;j pw ;fhf r py Neuk ; jtwhd jpl ;lq ;fis gu p e ;Jiuf ;f $Lk ; . mt ;thW nra ;ifa py ; ehk ; g u p e ;Jiuf ;f $Lk ; . mt ;thW nra ;ifa py ; ehk ; g u p e ;Jiuf ;f $Lk ; . mt ;thW nra ;ifa py ; ehk ; g u p e ;Jiuf ;f $Lk ; . mt ;thW nra ;ifa py ; ehk ; mJehs;tiu thbf;ifahsuplk; vLj;Jte;j ew;ngau; rPu-mJehs;tiu thbf;ifahsuplk; vLj;Jte;j ew;ngau; rPu-mJehs;tiu thbf;ifahsuplk; vLj;Jte;j ew;ngau; rPu-mJehs;tiu thbf;ifahsuplk; vLj;Jte;j ew;ngau; rPu-opa mjpf tha;g;Gs;sJ. ehk; ekJ thbf;ifahsupd; opa mjpf tha;g;Gs;sJ. ehk; ekJ thbf;ifahsupd; opa mjpf tha;g;Gs;sJ. ehk; ekJ thbf;ifahsupd; opa mjpf tha;g;Gs;sJ. ehk; ekJ thbf;ifahsupd; gyd;fis kl;Lk ; Kd;dpWj ;j p tpw ;ifapy ; ekf ;F gyd;fis kl;Lk ; Kd;dpWj ;j p tpw ;ifapy ; ekf ;F gyd;fis kl;Lk ; Kd;dpWj ;j p tpw ;ifapy ; ekf ;F gyd;fis kl;Lk ; Kd;dpWj ;j p tpw ;ifapy ; ekf ;F mtUila gupe;Jiu %yk; gy ehs; gyd; fpilf;Fk;.mtUila gupe;Jiu %yk; gy ehs; gyd; fpilf;Fk;.mtUila gupe;Jiu %yk; gy ehs; gyd; fpilf;Fk;.mtUila gupe;Jiu %yk; gy ehs; gyd; fpilf;Fk;.” jpl;lq;fis KOikahf njupe;jtupd; tpw;gid Ngr;rpy; ek;gpf;ifAk;> njspTk;> MSikAk; kpspUk;. mNjrkak; j pl ;lq ;fspd ; Kf;f pa mk;rq ;fisAk; > thbf ;ifahsUf ;F Njitahd kw ;Wk ; e p r ; rak ; $wNtz;ba jfty;fiskl;Lk; $wpdhy; NghJk;. mjpfk; nju p e ; j r pyu ; t pw ; gjw ;F gj pyhf ghlk ; vLf ;f Jtq;fptpLthu;fs;. ,JTk; ehk; jtpu;f;fNtz;ba kpf Kf ; f pak hd fh uz pa hFk ; . nju pt pf ; f Ntz ; ba jfty;fis kl;Lk; njuptpg;gNj Gj;jprhypj;jdk;. mNj rkak; $wNtz;ba jfty;fis kiwf;ff;$lhJ.


jpl;lq;fisg;gw;wpa njspthd mwpT gapYt-j h Y k ; > f y e ; j h N y h r p g ; g j h Y k ; > n j h l u ; e ; J thbf;ifahsuplk; NgRtjhYk;jhd; Vw;gLk; . mtu; Nfl;Fk; Nfs;tpfspypUe;Jjhd; ehk; Mokhf jpl;lq;fs; gw;wp rpe;jpj;J njsptila KbAk;. jpl;lq;fisg;gw;wpa njspthd mwpT mDgtk; %yNk KOikailfpwJ. cjhuzj;jpw;F> A+ypg; ghyp]pfs; gq;Fr;re;ijia rhu ;e ;jit. gq ;Fr ;re ;ijapd; Vw ;w ,wf ;fq ;fisg; nghUj;J Kjpu;T mikAk;. gq;Fr;re;ij ,wq;fpapUe;jhy; mg;NghJ KjyPL nra;gtUf;F re;ij VWk; NghJ mjpf yhgk; fpilf;Fk;. vdNt gq;Fr;re;ij gw;wpa mDgtk; cs;s thbf;ifahsu; re;ijVw;wepiyapy; KjyPL nra;a khl;lhu;fs;. ,Nj fhuzj;jpw;fhf xU thbf;ifahsu; 2006k; Mz;L KjyPL nra;a jf;f fhyk; tUk;NghJ KjyPL nra;tjhf $wpdhu; . me;j kWg;ig vt;thW rkhspg;gJ vd;gJ vdf;F mJtiu njupatpy;iy. me;j Neuj;jpy; vdf;F cldbahf xU Nahrid Njhd;wpaJ. mjd;gb md;Nw mg;ghyp]pia vLj;Njhk;. mJ vd;dntd;why;> ehk; ghyp]p Jtq;Fk; NghJ ghyp]p KOikaila 4 Kjy; 5 ehl;fs; tiu MFk;. re;ij Fiwe;j epiyapy; ghyp]p vLj;jhy; mJ KOika mile;J KjyPL re;ijapy; gq;FngWtjw;Fs; re;ij tsu tha;g;Gz;L. Mdhy;> Vw;w epiyapy; ghyp]p vLj;J ekJ KjyPl;il fld; gj;jpu gz;Lfspy; KjyPL nra;J itj;jpUe;jhy;> re;ij ,wq;Fk; NghJ clNd gq;F KjyPl;bw;F khw;wyhk;. ,t;thW khw;Wtjw;F 1ehs;jhd; MFk;. ,e;j cj;jpia ehd; $wpaJk; thbf;ifahsu; kWg;NgJk; njuptpf;ftpy;iy. ekJ %is gy fzpzpfistpl kpfTk; rf;jp tha;e;jJ. ehk; vt;tsT jfty;fis Vw;wpdhYk; mJ jd;Ds; itj;Jf;nfhs;Sk;. ehk; KO <Lghl;Lld; xU Ntiyia nra ;Ak ; NghJ> ekJ %is Ntfkhf n r ay ; g l ; L e k f ; F N tz ; b a cj ; j p f isAk ; jfty;fisAk; rupahd Neuj;jpy; toq;Fk;. ngd;rPid fz;Lgpbj;j tpQ;Qhdp> mjd; %yf;$W mikg;ig tiua ntFrpukg;gl ;L gpd;du ; mau;e ;J cwq;Fifapy;> fdtpy; te;j xU fhl;rpia ikakhf itj;Jj;jhd; %yf;$W mikg;ig tiue;jhu;.


4. ek;Kila Nghl;bahsUila jpl;lq;fs;:4. ek;Kila Nghl;bahsUila jpl;lq;fs;:4. ek;Kila Nghl;bahsUila jpl;lq;fs;:4. ek;Kila Nghl;bahsUila jpl;lq;fs;: ek;Kila Nghl;bahsUila jpl;lq;fs; gw;wp my;yJ re;ijapy; gpugykhd jpl;lq;fidg;gw;wpa mwpTk; kpf mtrpak;. Vnddpy;> ek;Kila thbf;ifahsu; vg;NghJk; ,Ug;gjpNyNa rpwe;jijj;jhd; tpUk;Gthu;. Nghl;bahsUila jpl;lq;fisg;gw;wpa mwpT ,Ug;gtu; Nghl;bahsu; mj;jpl;lq;fisg; gw;wp $Wk;nghONjh> xg;gpLk;nghONjh jk;ik rpwg;ghf ntspg;gLj;j KbAk;. Nghl;bahsupd; jpl;lq;fisg;gw;wp ehk; xUNghJk; x g ; g p l ; L Fiwt h f N g rf ; $ l hJ . Mdhy ; xU thbf;ifahsu; Nghl;bahsupd; xU jpl;lj;jpy; Vw;fdNt KjyPL nra;jpUf;Fk; gl;rj;jpy;> mjpy; ,y;yhj rY ifAs;s NtW jpl;lj;ij gupe;Jiu nra;tjd; %yKk;> Nghl;b Kftu;fSila Nghl;bia nty;yTk; ,it kpf cjtpahf mikAk;. Nghl;bahsUila midj;J jpl;lq;fisAk; ehk; mwpe ;j pUf ;fhtpl ;lhYk ; > Vw ;fdNt $w paJ Nghy r e ; ija py ; g p u gyk hd j p l ; l q ; fisAk ; > e kJ jpl;lq;fSf;F epfuhd Nghl;bahsUila jpl;lq;fisAk; ehk; mtrpak; mwpe;jpUf;f Ntz;Lk;. ,j;jfty;fs; ek;Kila cau; mjpfhupfs; kw;Wk; N g h l ; b e p W t d K f t u ; f s p l k ; N e u p i l a h f Nfl;Lg;ngwyhk;. Mdhy;> xUNghJk; Nghl;b jpl;lq;fis mtJ}uhf Ngrf ;$lhJ. mJNt ekJ tpw ;gidia nfLj;JtpLk;. Nghl;bahsu;fSila jpl;lq;fs; gw;wpa njspthd mwpT ,Ue ;jhy ; > ek ;Kila ek ;g pf ;if gyklq ;F mjpfkhFk;. Vnddpy;> ek;kplKs;s rpwe;j jpl;lj;ij ehk; rpghu pR nra;ifapy; > ehk ; rpwe;jijj;jhd; rpghupR nra;fpNwhk; vd;w vz;zk; ek;Kila Ngr;rpy; njupAk;. ehk; vij KOikahf ek;GfpNwhNkh> mij kl;LNk czu;TG+u;tkhf Ngr ,aYk;. my;yhJ> thbf;ifahsu; Nghl;bahsu; jpl;lj;jpy; mjpf gadpUg;gjhf $wpdhy; ehk; thailj;J ntspNawptpLNthk; my;yJ ehk; nfQ;r muk;gpj;JtpLNthk;. nfQ;Rtjd; %yk; ehk; gpupkpak; thq;Ftjw;F gjpy; ed;nfhiljhd; thq;fKbAk;. NkYk; mjw;fhd tha;g;Gk; kpff; FiwT.


nrd;idapy; xU thbf;ifahsuplk; ehq;fs; t psf ;f pf ; $Wifapy ; > mtu ; xU Nghl ;bahsu pd ; jpl;lj;ijf; $wp mjpy; 95rjk; Kjyhz;Lk; 2k; Mz;L Kjy; 100rjk; KjyPl;bw;F xJf;Ffpwhu; vd;Wk;> NkYk; 10 rjk; ngUkhdKs;s gupRg; nghUs;fs; jUthjhfTk; Kftu; $wpajhf $wpdhu;. vdf;F me;j jpl;lj;ijg;gw;wp KOikahf nju patpy ;iy. Mdhy; A+ypg ; ghyp]p fisg;gw;wp ed;F njupe ;jpUe;jjhy; > mg;gb ,Uf;f tha;g;gpy;iy vd;W $wpNdd;. Mdhy; > vdJ Kftu; me;j jpl ;lj ;ijg;gw ;wp Nfs;tpg;gl;L> rpy ehl;fSf;F Kd;> thbf;ifahsu; Nghy me;j epWtdj;jpd; NtnwhU Kftuplk; ghyp]p jpl;l tpsf;f gpujpia thq;fp gbj;Js;shu ; . ey;yNtis mtuplk; me;j gpujpAk; ,Ue;jJ. me;j ghyp]papd; fl;Lg;ghLfs; %yk;> tUlhtUlk; mjpf gzk; gpbf;fg; gLtijAk;> Kjpu;T Njjpf;F Kd; gzk; vLf;ifapy; mjpf ruz;lu; rhu;[; ,Ug;gijAk; tpsf;fp> vq;fsJ jpl;lj;jpYs;s gad;fisAk;> kiwKfkpd;ikiaAk; tpsf;fpNdhk;. xUtifapy; ehq;fs; nra;jJ jtWjhd; vd;whYk;> vq;fsJ Nehf;fk; thbf;ifahsu; Vkhw;wg;glf; $lhJ vd;gJk; > vq;fsJ jpl ;lq;fisg;gw ;wpAk; > epWtdk; gw;wpAk; ed;kjpg;ig Vw;gLj;j Ntz;Lk; vd;gjhYk;jhd; mt;thW nra;Njhk;. ehq;fs; njspthf $wpaij me;j thbf;ifahsu; Kftuplk ; njhiyNgrpapy ; Nfl;lhu ; . me;j Kftu; kOg;gyhf gjpy; nrhd;dJk;> vq;fSf;F xU Fiwe;j njhifiaNa je;jhu;. ,jdhy; ,UtUf;Fk; ,og;GjhNd? ,e;j cjhuzk; %yk;> xUKftu; vg;gb ,Uf;;f Ntz;Lk; kw;Wk; vg;gb ,Uf;ff; $lhJ vd;gJk; ekf;F njupfpwjy;yth? ehshf ehshf> xU Gjpa jpl;lj;ijg;gw;wp ehk; KOikahf njupe;Jnfhs;s rpy epkplq;fNs NghJk;. Nghl;bahsu; jpl;lq;fs; me;j epWtdq;fspd; tiyg; gf;fq;fspNyNa (ntg;irl;) vspjhf fpilf;Fk;.


5. Vida gpw Nrkpg;Gfs; gw;wpa mwpT:5. Vida gpw Nrkpg;Gfs; gw;wpa mwpT:5. Vida gpw Nrkpg;Gfs; gw;wpa mwpT:5. Vida gpw Nrkpg;Gfs; gw;wpa mwpT: ,d;W ,wg;G my;yJ mrk;ghtpj gyd;fis kl ;Lk ; jUk ; MAs;fhg ;g Pl ;L j pl ;lq ;fis tpw ;gJ mwpjhfptpl;lJ. Vndd;why;> Kjpu;tw;w jpl;lq;fs; kPJ kf;fSf;F <LghL ,Ug;gjpy;iy. rkPgfhykhf mjpf yhgKk;> fl;Lg;ghLfSkw;w A+ypg; vdg;gLk; gq;Fr;re;ij r h u ; e ; j g hy p] pfs ; g p u gykhtjw ;Fk ; kf ; fs pd ; vjpu;ghu;g;GfSf;F cjhuzkhf cs;sJ. vdNt> ehk; kw;wa Nrkpg;G> KjyPLfs; gw;wpa xg;g PLld; ghyp]p jpl;lq;fis tpsf;Fk; rkaj;jpy; kf ;fspd ; <LghL mjpfu pf ;f pwJ. Kjy PL my ;yJ Nrkpg;Gld; $ba ghyp]pfis tpw;ifapy;> ehk; tq;fp Nrk p g ; G kw ;Wk ; itg ; Gfs ; > jg hy ; Nrk p g ; Gfs ; > gq ;Fr ;re ;ij> gpw mirah nrhj ;J KjyPLfSld; xg;gpLk;NghJ thbf;ifahsu; Nghjpa njspT ngWfpwhu;. NkYk; ,f;fhyj;jpy; ekJ thbf;ifahsu;fs; Nghjpa jfty;fSld; ,Ug;gjhy;> ehKk; mtu;fis tplTk; rw;W $Ljy ; jfty ; ng w ; w p U e ; j hy ; j hd ; mtu p l k ; ed;kjpg;igAk;> ek;gpf;ifiaAk; ngw KbAk;. cjh uzj ; j p w ; F > tq ; f p fSila Nrk p g ; G > njhlu;itg;G> FWq;fhy kw;Wk; neLq;fhy itg;G> jghy; Jiwapd; Nrkpg;G gj;jpuq;fs;> kpA+r;Rty; gz;L> gq;F re;ij epytuk;> cq;fs; gFjpapy; FbapUg;G epyq;fs; kw;Wk; tPLfspd; kjpg ;G Mfpatw;wpd; yhg tpfpjk;> tupr;rYiffs;> tpw;W gzkhf;Ftjpy; cs;s KiwfSk; Rygj;jd;ikAk;> ghJfhg;G mk;rq;fs; kw;Wk; yhgj;jpy; cs;s cWjpj ;jd;ik Mfpatw;iw njupe ;Jitj;J nfhs;s Ntz;Lk;. midj;J KjyPL kw;Wk; Nrkpg;GNk VNjh xU tifapy; rpwe;jjhfj;jhd; ,Uf;Fk;. Mdhy;> tpahghu EZf ;fk ; vd ;gJ ehk ;Kila j pl ; lj ;j py ; cs ;s rpwg;gk;re;fis Nfhbl;L fhl;LtJ MFk;. mt;thW nra;a Ntz;Lnkdpy; ekf;F mtw;iw gw;wpa G+uz mwpT mtrpaky;yth? kw;w KjyPL kw;Wk; Nrkpg;Gj; jpl;lq;fs; gw;wpa Nghjpa mwpTld; ekJ MAs; fhg;gPl;L Nrkpg;G my;yJ KjyPL vt;tpjk; rpwe;jJ my;yJ kw;wtw;wpy; ,y;yhj


rYiffSk; rpwg;gk;rq;fSk; ek;Kila jpl;lj;jpy; vt;tpjk; cs;sJ vd;gJgw;wpAk; ekf;F njupe;jpUf;f Ntz;Lk;. xt;nthUtUk; xt;nthU Kiwia xg;gpLk;NghJ ifahs;thu ;fs; . vdf;Fj; njupe ;j rpy xg;g PLfis ghu;g;Nghk;. tq;fp kw;Wk; Ngh];lhgP]; Nrkpg;G kw;Wk; KjyPL:tq;fp kw;Wk; Ngh];lhgP]; Nrkpg;G kw;Wk; KjyPL:tq;fp kw;Wk; Ngh];lhgP]; Nrkpg;G kw;Wk; KjyPL:tq;fp kw;Wk; Ngh];lhgP]; Nrkpg;G kw;Wk; KjyPL: ,JNghd;w Nrkpg;G kw;Wk; KjyPL kpfTk; ghJfhg;ghdJ. ,tw;wpy; tUk; tl;b Kd;dNk cWjp mspf;fg;gLfpwJ. Mdhy; > ,tw;w pd ; tl;b tpf pjq ;fs; jw ;NghJ gz tPf;fj;ijf; fhl;bYk; Fiwthfj;jhd; cs;sJ. M ifahy; ,tw;wpy; Nrkpg ;gJ kiwKf e\;lj;ijNa cUthf;Fk;. ehk; gpd;tUk; gf;fq;fspy; gztPf;fjj;ij tpupthf fhzyhk;. tq;fpfspy; tl;btpfpjq;fs; khWgLk;. cjhuzj;jpw;F ehk; ,g;NghJ 8rjtPj tl;bapy; 5 Mz;L jpl;lj;jpy; KjyPL nra;fpNwhk; vd;why;> 5 tUlk; fopj;J NkYk; rpy tUlq;fs; ehk; itg;ig mNj tl;bapy; e P bf ; f ,ayhJ . 5 tUlk ; fo pj ;J tl ; bt pf pjk ; cau;e;J ,Ue;jhy;> mij Kbj;J mjpf tl;bf;F KjyPL nra;ayhk;. Mdhy;> ehl;bd; nghUshjhuk; tsu tsu> tq;fpfspd; tl;btpfpjKk; FiwAk;. cjhuzj;jpw;F tsu;e;j ehLfspd; tl;btpfpjj;ij ghUq;fs;. NkYk;> tq;fpapy; xUtu; khjk; 1000&gha; tPjk; 10 tUlk; Nrkpf;fyhk; vd;Wk; mjd; Kjpu;Tj;njhifia itj;J VNjhxU fhupaj;jpw;F jpl;lkpl;L ,Uf;fpwhu; vd;W itj;Jf;nfhs;Nthk;. vjpu;ghuhj tpjkhf mtu; 3k; tUlk; ,we;Jtpl;lhy;> tq;fpapy; mJtiu Nrkpj;j gzKk; mjd; tl;bAk; FLk;gj;jhUf;F fpilf;Fk;. Mdhy;> mNj gzj;ij MAs; fhg;gPl;by; KjyPL nra;jhy;> mtu; vd;d Nrk pf ;f Mirg ; gl ;l hNuh me ;j gzk ; ,g ; NghNj FLk;gj;jhUf;F fpilf;Fk; my;yth? ,e;j ,uz;L cjhuzq;fs; cq;fSf;F ek;gpf;if mspf;Fnkd;W epidf;fpNwd;. jq;fk;:jq;fk;:jq;fk;:jq;fk;: jq;fk; eifahf thq;fpdhy; vg;gb KjyPL MFk;? nra;$yp kw;Wk; Nrjhuk; thapyhf 15 rjk; Kjy; 20 rjk; tiu ehk; jq;fj;jpd; tpiyiatpl mjpfk;jNd nfhLf;fpNwhk;. KjyPlhf Ntz;Lnkd;why; ehk; jq;ff;


fl;bfshf kl;LNk thq;f Ntz;Lk;. NkYk; jq;ffl;b kw ;Wk; eiffis ehk ; ghJfhf ;f Ntz;Lky;yth? jpUlg;gLk; mghak; cs;sjy;yth? mjpf mstpy; jq;fk; itj;jpUg;gJ Mgj;jy;yth? tPl;Lkid kw;Wk; epyk;:tPl;Lkid kw;Wk; epyk;:tPl;Lkid kw;Wk; epyk;:tPl;Lkid kw;Wk; epyk;: tPl;Lkid kw;Wk; epyk; thq;Fjy; vg;NghJNk ekf;F tpUg;gkhd tp\ak;jhd; . ,J rKjhaj;jpy; mq;fPfhuKk; jUk; . ehk; tptrhak; nra;tnjd;why; tptrha epyj;ij thq;fyhk;. nrhe;j tPLfl;lTk; epyk; thq;fyhk;. ,J jtpu XupU ,lq;fs; thq;fyhk;. md;wp mjpf mstpy ; epyj ;j py ; KjyPLnra;tJ mijNa njhopyhfr; nra;gtUf;Fj;jhd; nghUe;Jk;. Vndd;why;> ehk; gy re;ju;gq;fspy; epyj;jpd; gj;jpu kjpg;igtpl m j p f g z k ; n f h L j ; J j h d ; e p y k ; t h q ; f Ntz;b ,Uf;fpwJ. ,t;thW nfhLf;Fk; gzj;jpw ;F fzf;Nfh> cj;jputhjNkh fpilahJ. vjpu;ghuhjtpjkhf murhq;fk; mjd; jpl;lj;jpw;fhf epyj;ij ifafg;gLj;Jk; gl;rj;jpy; md;wa murhq;f kjpg;g Pl;bw;Fjhd; gzk; jUthu;fs;. ,J ngUj;j e\;lj;ij cUthf;Fk;. NkYk;> cldbahf tpw;WKjyhf;FtJ epyj;ijg; nghUj;jtiu fbdk;. mijtpl xU mr;RWj;jy; epykjpg;ig ntFthf Fiwf;Fk; . cjhuzj;jpw ;F> gy,lq;fspy; ,Uf;Fk; tzpfj ;j pw ;Ffe ;j e pyq ;fspd ; kj pg ; G > mq ;F xU Nkk ; g hyk ; fl ; Ltjhy ; gz ; klq ;F Fiwe ; jij fz;bUg;gPu;fs;. gq;Fr;re;ij:gq;Fr;re;ij:gq;Fr;re;ij:gq;Fr;re;ij: gq;Fr;re;ijapy; Neubahf KjyPL nra;tjw;Fk; MAs; fhg;gPl;Lj; jpl;lq;fspd; %yk; KjyPL nra;tjw;Fk; epiwa tpj;jpahrq;fs; cz;L. gq;Fr;re;ij KjyPl;by; KO%r;rhf <Lgl ;bUg ;gtu ;fNs rkaj ;j py ; ngUk; gzj;ij ,oe;jpUf;fpwhu;fs;. vdNt Nghjpa mDgtk; ,y;yhky; mjpy; gzk; NghLtJ mjpf Mgj;jhdJ. ePz;lfhy KjyPlhf ey;y epWtdq;fspd; gq;Ffis thq;fyhk; . Mdhy; ekJ vy;yh gzj;ijAk; mq;F itg;gJ MfhJ. MAs; fhg;gPl;L epWtd epjp epu;thfpfs; gq;Fr;re;ijapy; mDgtkpf;ftu; NkYk; mtu;fs; mjpf Mgj;Js;s KjyPl;L jj;Jtq;fis Nkw;nfhs;s muR Mizak; ,uplh mDkjpg;gjpy;iy.


,g;gb epahakhd fhuzq;fis xg;gpl ekf;F Nghjpa jfty; mwpTk; mDgtKk; epr;rk; mtrpaky;yth? 6. nghUshjhu mbg;gil jfty;fs;:6. nghUshjhu mbg;gil jfty;fs;:6. nghUshjhu mbg;gil jfty;fs;:6. nghUshjhu mbg;gil jfty;fs;: gyNeuq ;fspy ; ehk ; ty ;Yeu ; vd;gij ekJ thbf;ifahsuplk; ep&gpf;f Ntz;bAs;sJ. kNdhjj;Jt tpjpg;gb ehk; kw;wtiu ftu Ntz;Lk; vd;why;> ehk; ekJ Jiwapy ; t pj ;jfu ;fshf tpsq ;f Ntz;Lk ; . e h k ; Kila t p a h g h u j ; j p d ; n g Uk ; g Fj p e h k ; thbf;ifahsiu ve;e msT ftu;e;jpUf;fpNwhk; vd;gij nghUj;J mikfpwJ. ehk; gy;Jiw tpj;jfu;fshf ,y;yhtpbYk;> ekJ Jiw r h u ; e ; j mw pit ts u ; j ; J f ; n f hs ;Sjy ; mtrpaky;yth? ek;Kila njhopy; rhu ;ghd rpy nghUshjhu mbg;gil jfty;fs;. 1.1.1.1. gztPf;fk;:gztPf;fk;:gztPf;fk;:gztPf;fk;: gztPf;fk; vd;gJ tpiythrp Vw;wj;jhy; FiwAk; gzj;jpd; kjpg;Ng MFk;. fle;j fhyq;fspy; ruhrupahf 7 rjj;jpw;Fk; Nkyhf ek; gzj;jpd; kjpg;G Mz;LNjhWk; Fiw e ; J n f hz ; N l tUf p w J . ,jd hy ; e kJ thbf;ifahsu; milAk; ghjpg;G vd;d? gztPf;fk; 7 rjnkd;why;> 7 rjk; tl;b jUk; xU jpl;lj;jpy; mtu; KjyPL nra;Ak; nghOJ mtUila gzj;jpd; kjpg;G mjpfupf;ftpy;iy vd;gJ cz;ik. cjhuzj;jpw;F> gztPf;fk; 7 rjk; vd;why;> ehk; ,d;W 100 &gha;f;F thq;Fk; nghUis mLj;j tUlk; 107 &gha; nfhLj;jhy; thq;fyhk; . mNj Neuj;jpy; 100 &ghia 7 rjk; tl;b jUk; KjyPl;by; itj;jhy; xU-tUlk; fopj;J mtUf;F 107 &gha;fs; fpilf;Fk; . Mdhy; > fle;j tUlk; mtu ; 100 &gha; nfhLj ;J thq;fpa mNj nghUis 107 &gha; nfhLj;J ,e;jtUlk; thq ;Fth u ; . vdNt mtUila gzk ; tsu hky ; mg ;gbNa ,Uf;f pwJ. ,g ;nghOJ rw ;W Nahr pj ;J ghUq;fs;. ,e;e KjyPL rupjhdh? yhgkhdjh? Mifahy ; gzt Pf ;fj ;ijt pl mj pf yhgk ; fpilj;jhy; kl;LNk gzj;jpd; kjpg;G caUk;. ,e;j jfty; ekf;F ,Ue;jhy; ek; Ngr;rpy; xU cz;ik>


njspT kw;Wk; ftu;r;rp ,Uf;Fky;yth? xUKiw ehd; xU ntspehl;by; Ntiy ghu;f;Fk; thbf;ifahsuplk; ,e;j jftiy gfpu;e;J nfhs;Sk; NghJ> mtu; kpf Mu;tkhf ftdpj;jhu;. gpd;du; ,jw;fhd fzf ; f P L k w ; W k ; Mj h u q ; fis g h u ; j ; j T ld ; > gztPf;fj;jpw;Fk; Fiwthd tl;b jUk; KjyPLfis fzf;fpl;lhu; . mtUf;Nf Mr;rupak;. mtu; 18 yl;rk; &gha;fis mj;jifa jpl;lj;jpy; itj;jpUe;jhu;. ,jd; tpisTfis fzf;fpl;l mtu; kWehNs midj;ijAk; jpUk;gg;ngw;W mjpf yhgk; jUk; ghJfhg;ghd KjyPl;by; KjyPL nra;jhu; . ,jpy; vq;fSf;F &gha; 5 yl;rk; gpu pkpak; fpilj;jJ. ,g;NghJ Gupfpwjh? xt;nthU jftYk; Kf;fpak; vd;W? 2. tuptpfpjKk; tupr;rYiffSk;:2. tuptpfpjKk; tupr;rYiffSk;:2. tuptpfpjKk; tupr;rYiffSk;:2. tuptpfpjKk; tupr;rYiffSk;: xUrpy KjyPLfSf;F kl;LNk tuptpyf;F cz;L. mtw;wpy; jw;NghJ MAs; fhg;gPl;L jpl;lq;fSf;F Sec 80C (subject to change) gpuptpd;gb nrYj;Jk; gpupkpaj;jpw;F tUkhd tup tpyf;F cz;L. Mdhy;> MAs;fhg;gPl;L jpl;lq;fspd; Kjpu;tpw;Fk; Sec 10(10D) gpuptpd;gb tuptpyf;F cz;L. ,J kpfTk; ftu;r;rpahd tpgukhFk;. MAs ; f h g ; g P L Kj p u ; T nj hif midj ;ijAk ; thbf;ifahsu; tuptpyf;Fld; ngwyhk; vd;why; ,j;jpl;lk; xU kpfTk; ftu;r;rpahd jpl;lky;yth? ,J NtW ve;e KjyPl;bw;Fk; fpilf;fhj rYif my;yth? ,ijtpl NtW rpwe;e tpw;gid Cf;fp vJ Ntz;Lk;? ,J jtpu> tUkhd tup jpl;lj;jpd; KO tpguk;> tuprYif jUk; gpupTfs;> KjyPl;L yhg tuptpfpjk; Mfpatw;iw mt;tg;NghJ njupe;J khw;wq;fisAk; ftdpj;Jte;jhy; ehk; rpwe;j fhg;gPL kw;Wk; nghUshjhu MNyhrfu ;fshf ek ;Kila thbf ;ifahsu ;fshy ; ghuhl;lg; ngWNthk; my;yth? MAs ; fhg ; g P l ; L t pw ; gida pd ; r P rd ; vd ;W nrhy;yg;gLk; khjk; brk;gu; Kjy; khu;r; tiu. mjhtJ rk;gsk; ngWNthu; brk;gupNyNa mtu;fsJ tUkhdtup jpl;lkpLjiy Kbj;JtpLthu;fs;. Ranjhopy; Gupgtu; kw;Wk; njhopyjpgu;fs; khu;r; tiu jpl;lkpLthu;fs;. ,jpy; ehk; mjpf mwpTilatuhf ,Ue;jhy; kpf;f ed;wy;yth?


3. ek; ehl;bd; nghUshjhu tsu;r;rp:3. ek; ehl;bd; nghUshjhu tsu;r;rp:3. ek; ehl;bd; nghUshjhu tsu;r;rp:3. ek; ehl;bd; nghUshjhu tsu;r;rp: ekJ KjyPl;L tsur;rp ekJehl;bd; tsu;r;rpia nghUj;Nj mikAk;. xU ehl;bd; nghUshjhu tsu;rp me;ehl;bd; xl;Lnkhj;j cw;gj;jpapd; tsu;rpia (Gross Domestic Product) nghUj;J mikAk;. xt;nthU Mz;Lk; ,e;j tsu;r;rp tpfpjk; mwptpf;fg;gLk;. ekJ ehl;bd; xl;Lnkhj;j cs;ehl;L cw;gj;jp rkPg fhykhf 8 rjk; tsu;e;J tUfpwJ. mg;gbnadpy; 9 tUlq;fspy; ekJ ehl ; bd ; nk hj ; j cw ; gj ; j p ,Uklq ; f hFk ; . ,J ekf;nfy;yhk; kpf ,dpg;ghd nra;jpjhNd? ekJ ehl;bd; nghUshjhu tsu;r;rp NkYk; rpy Mz;Lfs; ,Nj rjj;jpy; ePbf;f mjpf tha;g;G cs;sJ. Vnddpy;> cyf muq;fpy; mjpf tsu;r;rpf;F tha;g;Gs;s ehLfspd ; gl ;bay; ‘ g ; u pf ; ’ (BRIC) vDk; g pNur py ; > u\ ; a h > ,e ; j p a h kw ; Wk ; r P d h Mf pa e hLfs ; . vdNt ,e;jpag; gq;Ffspy; KjyPL nra;tJ mjpf yhgk; nfhLf;Fk;. ,j;jfty;fs; KjyPl;lhsu;fSf;F mjpf ek;gpf;if mspf;Fk;. ,JNghd;w jfty;fis ehk ; tzpf nra ;j p j hs ; fs pYk ; > tz p f k hj h e ; j p u > t h u > ,Uth u gj ;j pu pf ;iffspYk; Rygkhf ngwyhk ; . ,JNghd;w jfty;fis ehk; mt;tg;NghJ Nrfupj;J ekJ mwpTg; ngl;lfj;jpy; jahuhf itj;jpUf;f Ntz;Lk;. ek;ehl;bd; ,j;jifa jfty;fSld;. tsu;e ;j ehLfs; > tsUk ; g pw ehLfs; gw ;w pa jfty;fSk; ,Ue;jhy; rhyr;rpwe;jJ. ,e;j jiyg;gpy; nfhLf;fg;gl;lit midj;Jk; kpf Kf;fpakhd> mbj;jl;L kdpjidAk; ghjpf;ff;$ba jfty;fs;. ,Jjtpu ek;ehl;L jdpkdpj Mz;L tUkhdk;> jdpkdpj Nrkpg;G tpfpjk; kw;Wk; Nrkpg;G tsu;r;rp tpfpjk;> gq;F re;ijapd; ghJfhg;G mk;rq;fs;> kw;w gj;jpuq;fspd; vjpu ;fhy tl ;b tpf pjk ; > nghUshjhu rk ;ge ;jkhd rl;lkhWjy;fs; Mfpatw;iwAk; $u;e;J ftdpj;J jfty; Nrfupj;J mtw;wpd; ghjpg;ig ek;Kila jpl;lq;fSf;F xg;gpl;L ghu;f;f Ntz;Lk;. xUehl;bd; nghUshjhu tsu;r;rp xt ;nthU Fbkfdpd ; tsu ;r ; r p . ehL tsu ehKk ; ts u ; N t h k ; my ; y t h ? , j ; j f ty ; e k ; Ki la KjyPl;lhsUf;F kpFe;j ek;gpf;if jUk;;.


7. fhg;gPl;L epWtdq;fspd; ghJfhg;G gw;wpa rl;l 7. fhg;gPl;L epWtdq;fspd; ghJfhg;G gw;wpa rl;l 7. fhg;gPl;L epWtdq;fspd; ghJfhg;G gw;wpa rl;l 7. fhg;gPl;L epWtdq;fspd; ghJfhg;G gw;wpa rl;l jpl;lq;fs; gw;wpa jfty;fs;:jpl;lq;fs; gw;wpa jfty;fs;:jpl;lq;fs; gw;wpa jfty;fs;:jpl;lq;fs; gw;wpa jfty;fs;: ehk; ve;jnthU nghUshjhu jpl;lj;ij tpw;f Kad;whYk;> mjpYs;s ghJfhg;G mk;rq;fSf;F kf;fs; Kf;fpaj;Jtk; mspg;ghu;fs;. ekJ epWtdk; kf ;fshy; mwpag ;gl ;l epWtdkhf ,Ue;jhy ; > kf;fspd; ek;gpf;ifia vspjpy; ngwyhk;. Mdhy;> e k J e p W t d k ; G j p a m y ; y J G f o ; ngwhjjhf ,Ug;gpd;> ehk; ,j;jifa jfty;fs; %yk; thbf;ifahsupd; kjpg;ig vspjpy; ngwyhk;. fhg;gPl;L epWtdq;fis fl;Lg;gLj;Jk; rl;lq;fSk; mjd; cl;gpupTfSk;: MAs; fhg;gPl;L rl;lk; 1938> 1956 kw;Wk; I.Mu;.b.Na rl;lk; 1999 Mfpad rl;lq;fs; MAs; fhg ;g Pl ;L tzpfj;ijAk;> jpl;l KiwfisAk; > fk prd ; cr ; rtuk ; G > Kjy Pl ; L Kiw Mf pa midj;J nray;ghLfisAk; fl;Lg;gLj;Jfpd;wd. ,d;#ud;]; rl;lk; 27k; gpupT: MAs;fhg;gPl;L epWtdq;fs; mjd; Kjy; k w ; W k ; n r h j ; J f ; fis 6 5 r j k ; m u r h q ; f gj;jpuq;fspYk;> kPjk; 35 rjk; muR mDkjpj;j gj;jpuq;fspYk; KjyPL nra;a Ntz;Lk;. ,d;#ud;]; rl;lk; 27C gpupT: ,d;#ud;]; epWtdk; mjd; KjyPl;lhsu; gzj;ij NeubahfNth> kiwKfkhfNth ,e;jpah jtpu ntspehl;by; KjyPL nra;af;$lhJ. ,d;#ud;]; rl;lk; 29k; gpupT: ,d;#ud;]; epWtdk; ghyp]pjhuUf;F mtuJ ghyp]pf;fhd fld; jtpu NtW ahUf;Fk; ve;j t ifapYk; fld; nfhLf;ff;$lhJ. fk;ngdp epu;thfp> Nkyhsu; Kjypa vtUf;Fk; fld; juf;$lhJ.


,d;#ud;]; rl;lk; 31B gpupT: MAs;fhg;gPl;L rl;lj;jpy; Fwpg;gpl;ljw;F Nkyhf rk;gsNkh fkp\Ndh ve;jxU MAs;fhg;gPL e pWtdKk; mjd; Kftu ; my;yJ tpw ;gid- ahsUf;F juf;$lhJ. ,d;#ud;]; rl;lk; 34C gpupT: nghJkf ;fspd ; Ntz;LNfhSf;fhfNth> epWtdj;jpd; eyd;fUjpNah> ghyp]pjhuupd; eyd; fUjpNah> ,d;#ud;]; mj;jhupl;b> xU fhg;gPl;L e pWtdj ;j py ; $Ljy ; e pu ;thf pfis epakdk ; nra;ayhk;. xU fhg;gPl;L epWtdj;jpd; eltbf;if ru pa py ;yhj rkaj;j py ; muR Mizak; ,e ;j eltbf;ifia Nkw;nfhs;Sk;. ,d;#ud;]; rl;lk; 40B gpupT: ,e;jpahtpy; MAs;fhg;gPl;L njhopy; nra;Ak; ve;j xU epWtdKk;> murhy; mDkjpf;fg;gl;l epu ;thf nryTfSf;F Nkyhf ve;j Mz;bYk; nrytopf;f mDkjp fpilahJ. ,d;#ud;]; rl;lk; 52H gpupT: KjyPl;lhsu; kw;Wk; ghyp]pjhuupd; eyd; fUjp> rupahf epWtfpf;fg;glhj MAs;fhg;gPl;L epWtdj;ij> kj;jpa murhq;fNk Vw;W elj;j Ntz;Lk;. ,d;#ud;]; rl;lk; 54k; gpupT: ,e ;j pa fk ; ngd p rl ; lk ; 1 9 1 3y ; ve ; j $w;W ,Ue;jhYk;> xU MAs;fhg;gPl;L epWtdk; ve;j xU fhuzj;jpYk; fk;ngdpia %lf;$lhJ. ,e;j rl;lq;fnsy;yhk; ghyp]pjhuUf;F kpFe;j g hJfhg ; G ms pf ; f p wjy ;yth ? ,g ; gbg ; gl ; l jfty;fis ehk; $Wk;NghJ vtUk; ghJfhg;G fUjp epuhfupf;f ,ayhJ my;yth?


8. md;whl epfo;Tfs; gw;wpa jfty;fs;:8. md;whl epfo;Tfs; gw;wpa jfty;fs;:8. md;whl epfo;Tfs; gw;wpa jfty;fs;:8. md;whl epfo;Tfs; gw;wpa jfty;fs;: ehk; ekJ njhopy; rhu;e;j mwpit vg;NghJk; jah u h f T k ; > e p f O k ; k h w ; w q ; f i s m w p e ; J k ; itj;jpUf;fNtz;Lk;. md ;whlk ; Clfq ;fs pd ; tha pyhf e pfOk ; khw ; wq ;fis mw pe ;j pUf ;f Ntz;Lk ; . gzt Pf ;fk ; > gq;Fre;ij khw;wq;fs;> tq;fpfspd; tl;btpfpjq;fs;> Gjpa Nrkpg;Gj; jpl;lq;fs;> tupfspy; Vw;gLk; khw;wq;fs; Mfpa midj;ijANk ehk; md;wa Njjptiu mwpe;jpUf;f Ntz;Lk;. ,t;thW jfty; ngl;lfkhf ehk; jpfo;e;jhy;jhd;> ehk; kw;wtupypUe;J ek;ik NtWgLj;jpf;nfhs;s KbAk;. mt ;thW NtWgLjNy ekf ;F rhjfkhd #oiy cUt h f ; F k ; . ,d ; w a cyfk ; j fty ; G u l ; r p nra ;Jnfhz ; L ,Uf ; f p wJ . vdNt jfty ; fis Nrfupg;gjpYk;> mtw;iw md;whlk; mwptjpYk; jpdKk; Neuk ; nryto pf ;f Ntz;Lk ; . Fw pg ; g hf xt ;nthU MAs;fhg;gPL KftUk;> tpw;gidahsUk; ekJ njhopy; r h u ; e ; j e h NsLfs ; kw ; Wk ; gj ; j p u p f ; iffSf ;F re ;jhjhuu ; fshf ,Uf ;f Ntz;Lk ; . ehk ; njho py ; nra;fpNwhk;. ,jw;fhd KjyPLk; Mu;tKk; jpwikAk; ,y;yhky; ehk; rpwe;jtuhf KbahJ. ekJ njho py ; r h u ; e ; j mw pTld ; kw ; w g p w jfty;fSk; ekf;Fj; njupe;jpUf;f Ntz;Lk;. Fwpg;ghf ehl;L elg;Gfs; gw;wpa mwpT> ek;ikg;gw;wpa ey;y kjpg;ig thbf;ifahsuplk; cUthf;Fk;. ahnuhUtiu ehk; re;jpj;jhYk; ekf;F ez;guhfNth> ek;ikg;gw;wpa ey;y kjpg;GilatuhfNth Mf;Ftjw;F jfty; mwpT Kf;fpak;.

“ epPq;fs; toq;Fk; MNyhridfs; vg;NghJk; epPq;fs; toq;Fk; MNyhridfs; vg;NghJk; epPq;fs; toq;Fk; MNyhridfs; vg;NghJk; epPq;fs; toq;Fk; MNyhridfs; vg;NghJk; rpwe;jjhfTk;> jdpj;Jtk; tha;e;jjhfTk; rpwe;jjhfTk;> jdpj;Jtk; tha;e;jjhfTk; rpwe;jjhfTk;> jdpj;Jtk; tha;e;jjhfTk; rpwe;jjhfTk;> jdpj;Jtk; tha;e;jjhfTk;

,Uf;fNtz;Lk;.,Uf;fNtz;Lk;.,Uf;fNtz;Lk;.,Uf;fNtz;Lk;.”


ekJ njhopiy rpwg ;ghf nra;a mtrpakhd mbg;gil Njitfisg;gw ;wp ,g;gpu ptpy ; mwpNthk; . vj;jifa njhopyhf ,Ue;jhYk;> mjd; jd;ikf;F Vw;g rpy mbg;gil jFjpfs; Ntz;Lk; . mit ek;k plk; Kd;Ng ,Ue;jhy; ed;W. ,y;iynad;whYk; mtw;iw ehk; tsu;j;Jf;nfhs;syhk;. ehk; ,e;j mbg;gil Njitfspy; ftdk; nrYj;jtpy;iy vd;why;> ePz;l ehl;fs; ve;j njhopiyAk; nra;a KbahJ. MAs ;fhg ; g P L njho pYf ;F Njitahd mbg ; gil Njitfs;:

1. ekf;F njupe;j> ghyp]p ju jFjpahd egu;fspd;

vz;zpf;if.

2. ,j;njhopYf;nfd jpde;NjhWk; ehk; xJf;Fk; Neuk;.

3. thfdk; kw;Wk; ifNgrp (Cell Phone). 4. fw;Wf;nfhs;Sk; Mu;tk;.

5. gzk;> Gfo;> tsu;r;rp Mfpatw;wpd; kPJ mjpf ehl;lk;.

6. jPtpu jd;dk;gpf;if kw;Wk; tplhKaw;rp.

7. thbf;fifahsiu Nerpf;Fk; gz;G.

8. vg;nghOJk; Nritnra;a jahuhf ,Uj;jy;.

Nkw ;$wpatw;iw ehk ; tpu pthf fhz;Nghk ; . Mdhy; Nkw;$wpaitfs; rpy Kf;fpa mk;rq;fs; . ,tw;iw jtpuTk; gytiffspy; ehk; RaNkk;ghl;L topfis gpd;gw;WtJ rhyr;rpwe;jJ. 1. ekf;F njupe;j> ghyp]p ju jFjpahd egu;fspd; 1. ekf;F njupe;j> ghyp]p ju jFjpahd egu;fspd; 1. ekf;F njupe;j> ghyp]p ju jFjpahd egu;fspd; 1. ekf;F njupe;j> ghyp]p ju jFjpahd egu;fspd; vz;zpf;if:vz;zpf;if:vz;zpf;if:vz;zpf;if: ,ij Mq;fpyj;jpy; fhd;lhf;l; (Contact) vd;W


$Wthu;fs;. ,e;j njhopypy; ek;Kila gyNk ekf;F njupe;j egu;fspd; vz;zpf;if MFk;. mjpf egu;fis ekf ;F ed ;F nju pe ;j pUe ;jhy ; ehk ; k pFe ;j gyd; milNthk;. Kd;Ng ,ijg;gw;wp $wp ,Ue;jhYk;> ,q;Fk; Fwpg;gpLtJ Vndd;why;> ,Jjhd; ekJ %yjdk;. midtUf;FNk mjpf egu;fis njupAk;. Mdhy; ekJ njhopYf;F cfe;j egu;fis Nju;T nra;tJ vt;thW? ahnuy ;yhk ; ghy p] p ngw KbAk ; my ;yJ ju ,aYk ; ? ahn uy ; yhk ; rk ; g hj p f ; f p w h u ; f Nsh > mtu;fisy;yhk; ekJ tUq;fhy thbf;ifahsu; Mtu;. Mdhy; rk;ghjpf;Fk; midtUk; gpupkpak; fl;Lk; epiy a py ; ,Ug ; gh u ; fsh? MAs ;fhg ; g P L midtUf ;Fk ; mtrpak;jhd;. Mdhy; rpyuJ tUkhdk; mtuJ md;whl nrytpw;Nf fl;LgbahfhJ. mj;jifa egu;fsplk; ehk; ek;Kila Neuj;ij tPzbf;ff;$lhJ. rk;ghjpg;gjpf;Fk; gzj;jpw ;Fs; rpf ;fdkhf tho ;fpw egu ;fsplk ; ehk ; mZfyhk;. eLj;ju FLk;gq;fspypUe;J Nky; jl;L tiu ehk; midtiuAk; mZfyhk;. njupe;j egu;fis (fhd;lhf;Lfis) tupirg;gLj;Jk; njupe;j egu;fis (fhd;lhf;Lfis) tupirg;gLj;Jk; njupe;j egu;fis (fhd;lhf;Lfis) tupirg;gLj;Jk; njupe;j egu;fis (fhd;lhf;Lfis) tupirg;gLj;Jk; Kiw:Kiw:Kiw:Kiw: cq;fSf;F njupe;j> ghyp]p vLf;Fk; jFjpAila> egu;fis xt;nthd;whf vOj Jtq;Fq;fs;. mt;thW vOJk; nghOJ> f Po ;tUkhW tupirapy ; r pe ;j pj ;J NghJkhd Neuk; vLj;J vOJq;fs;. 1. neUq;fpa cwtpdu;. 2. J}uj;J cwtpdu;. 3. ez;gu;fs;. 4. cq;fs; njU> fpuhkk; my;yJ gFjpia Nru;e ;j cq;fSf;F njupe;j egu;fs;. 5. cq;fSld; gs;spapy; gapd;w ez;gu;fs; kw;Wk; Mrpupau;fs;. 6. cq;fSld; gzpahw;wpatu;fs;. 7. cq;fsJ thbf;ifahsu;fs;. 8. cq;fSf;F Nrit Gupgtu;fs;. kspif> ghy;> kpd;rhjdk;> tPl;Lr;rhkhd;fs;> fha;fwpfs;> Nf];> Nfgps; Mfpatw;iw tpw;gtu;. eiff;filfhuu;> Jzpf;filf;fhuu;> ijay;fhuu;> ehtpju;> kUj;Jtu;> cq;fs; FbapUg;G gFjpapd; jiytu; kw ;Wk ; rq ; f Kf ; f pa mq ; fj ; j pdu ; fs ; . e P q ; fs ; thbf;ifahf nry;Yk; ve;jnthU ,lj;jpYk;


ePq;fs; re;jpf;Fk; egu;fs; vd gyiuAk; ePq;fs; vO-jyhk;. ehk; vOjpa midtUila midj;J jfty;fSk; ek;kplk; vOJk; rkak; ,y;yhky; NghdhYk;> ehk; tpiu tpy; mtw;iw Nrfupf;fyhk;. ,t;thW vOjpitg;gjpy; ekf;F gy ed;ikfs; cz;L. ek;Kila epidtpy; midtuJ jfty;fisAk; itj;Jf;nfhs;s KbahJ. vOjpitg;gjhy;> vg;nghOJ Ntz;LNkh mg;nghONj ehk; mtw;iw fhzyhk;. NkYk; xt;nthU ehisAk; ehk; jpl;lkpl;L nray;gl ,e;j jfty; gjpT kpFe;j cjtp nra;Ak;. ekf;F kpff ;Fiwe;j egNu njupAk ; vd;why; vt;thW ,j;njhopiy nra;tJ? Vw ; nfdNt ehk ; $w pAs ;sgb rq ;fq ;fs py ; cWg ; g pd u hfyhk ; . mijj ; jt p u r py NtW to p -Kiwfis ,q;F fhz;Nghk;. Kjypy; ehk; ez;gu;fis Nru;f;Fk; fiyia gapy Ntz;Lk;. cldbahf cq;fs; CupYs;s ey;yNjhu; rq;fj;jpy; mq;fj;jpduhFq;fs;. vq;nfy;yhk; kf;fs; $Lfpwhu;fNsh mq;nfy;yhk; ePq;fs; ,Uq;fs;. (ey;y kf;fs; $Lk; ey;y ,lq;fspy; kl;Lk;) jpdKk; Fiwe;jJ 20 egu;fsplkhtJ mwpKfkhFq;fs;. cq;fsJ mYty; ml;ilia gupkhwp (Visiting Card) mtu ;fs pd ; ml ;ilia thq ;f p cq ;fs ; Nehl ;by ; jfty;fis cldbahf vOJq;fs;. fhiyapy;> kf;fs; clw;gapw ;rpf ;fhf elf;Fkplj;jpy; e Pq ;fSk; fye;J nfhs;Sq;fs;. cq;fs; CupYs;s gpugykhd Nahfh tFg;Gf;F ePq;fSk; nry;Yq;fs;. ,JNghd;w vj;jidNah topfspy; ePq;fs; cq;fsJ el;G tl;lj;ij ngUf;fyhk;. ePq;fs; ahiu ghu;j;jhYk;> mtuplk; ePq;fs; ghyp]p vLf;fNtz;Lk; my;yJ ghyp]p jUk; rpy egu;fspd; m w pKfk ; f p i lf ; f Ntz ; L k ; vd ; W j P u ; k hdk ; nra;Jnfhs;Sq;fs;. ,e;j gapw;rp fhd;lhf;l; ,y;yhj egu;fSf;F kl;Lkd;W. midtUf;Fk; ,J nghUe;Jk;.


2. ,e;j njhopYf;fhf ehk; xJf;Fk; Neuk;:2. ,e;j njhopYf;fhf ehk; xJf;Fk; Neuk;:2. ,e;j njhopYf;fhf ehk; xJf;Fk; Neuk;:2. ,e;j njhopYf;fhf ehk; xJf;Fk; Neuk;: ,e;j njhopYf;fhf ehk; jpde;NjhWk; vj;jid kz pfs ; xJf ;Ff p Nw hk ; vd ; gJ k pf Kf ; f pak ; . vy;yhj;jFjpfSk; kpFjpahf ngw;w gy Kftu;fs; Njhy;tpfis re;jpg;gjw;F ,JNt fhuzkhfpd;wJ. 2006k ; Mz;L > r pwg ; ghf ,U njho py ;fis elj;jptUk; xU egiu vdJ tpw;gid Nkshsu; mioj;J t e ; j h u ; . mtUf ; F mt uJ Cu p y ; k p f mj p f kj p g ; Gs ;sjhfTk ; > mtUf ;F KftuhFk ; Mty ; cs;sjhfTk; njuptpj;jhu;. ehd; me;j eguplk; KjypNyNa> xUehisf;F v t ; t s T N e u k ; , e ; j n j h o p Y f ; f h f n r y -to p f ; f ,aYnkd ; W Nfl ; N ld ; . mjw ; F me ; j egu;> ,jw;nfd jdp Neuk; Njitg;glhnjd;Wk;> mtuJ kw ; w mYty ; fSf ;F eLt p NyNa ,j ; nj ho piy nra;aKbAnkd;Wk; $wpdhu ; . mij ehd; vt;tsT kWj;Jk; mtu; Nfl;ftpy;iy. filrpapy; me;j egupd; kdJk; vdJ tpw;gid Nkshsupd; kdJk; tUe;jf;$lhJ vd;W mtiu Kftuhf mDkjpj;Njd;. mtu; gapw;rp tFg;GfSf;Fk; xOq;fhf tutpy;iy. gupl;irf;F $l mtiu tw;GWj;jp mioj;jhu; vdJ Nkshsu;. gpd;du; mtiu Ntiy nra;aitf;f vt;tsNth Kad;Wk ; ,aytpy ;iy. k pfTk ; Ntiyg ;gSTld; ,Ug;gtu;fshy; ,j;njhopiy rpwg;ghf nra;a KbahJ. ,jw;nfd jdpahf Neuk; xJf;FtNjhL> thbf;ifahsupd; miog;gpw;F Jupjkhf nray;gl Ntz;Lk;. vdNt ehk; vt;tsT gp]pahdtuhdhYk; ,j;njhopYf;F mjpf Neuk; xJf;f Ntz;Lk;. ,j;njhopypy; cq;fsJ Neuk; gzkhFk;. xUkzp Neuj;jpw;F ePq;fs; rk;ghjpf;Fk; gzk; ehshf ehshf gd;klq;F mjpfupf;Fk;.

“,q;F Neuk; gzkhFk;,q;F Neuk; gzkhFk;,q;F Neuk; gzkhFk;,q;F Neuk; gzkhFk;” ,q ;F ehd ; xU Kf ;f pa egiu e pidT$w Ntz;Lk;. jpU. fUg;gz;zd; vd;W xU MAs; fhg;gPl;L Kftu; ,Uf;fpwhu;. mtUld; goFk; tha;g;G fpilj;jJ. mtUld; fye;JiuahLk; NghJ kpf Mr;rupakhd jfty; fpilj;jJ. mtu; $wpa me;j tpahghu EZf;fj;ijg;


gad ; gLj ; j p j pU . kzptz ;zd ; vd ; w KftUk ; cr;rj;jpw;F nrd;whu;. ehd; Kd;Ng $wpaJ Nghy> ePq;fs; ntw;wpahsu; gl;baypy; ,lk;ngw Ntz;Lnkd;why; ntw;wpahsUld; ciuahLq;fs;. jpU. fUg;gz;zd; mtu;fSila jdpj ;Jtk; mjpfhiyapNyNa tpahghuj;ij Jtq;FtJjhd;. mtu; jpdKk; fhiy 5 kzpf;Nf vOe;J eilg;gapw;rp nra;tJ tof;fk;. mt;thW 1 kzpNeuk; tPl;bypUe;J jpdKk; xU jpirapy; elg;ghu;. gpwF 6 kzpahfptpLk;. mq;fpUe;J jpUk;g tUk; topapy; mtuJ ez;gu;> thbf;ifahsu; MfpNahiu mjpfhiyapNyNa tPl;by; re;jpj;J rpwpJ ciuahbtpl ;L fhg ;g P L gw ;w pAk ; Fw pg ; g pl ; Lt pl ;L te;JtpLthu;. gpwF re;jpj;j egu;fis gjpNtl;by; Fwpj;J tpl;L mtu;fspy; ghyp]p vLf;Fk; tha;g;Gs;stu;fis mtu;fSf;F rhjfkhd Neuj;jpy; njhlu;G nfhz;L ghyp]p vLg;ghu;. ,e;j jftiy ehd; vdJ Kf;fpa Kftu;fis xU $l;lj;jpw;F tutioj;J mtu; thahNyNa nrhy;y itj;Njd;. gyu; ,ij Nfl;lhu;fs;. Mdhy; mtu;fspy; jpU. kzptz;zd; vd;w Kftu; kl;Lk; mtu; $wpaij ek;gpdhu;. mLj;j ehNs fhiy 6 kzpf;F vdJ miyNgrp xypj;jJ. mjpy; jpU. kzptz;zd; mtu;fs; mioj;J jhd; jpU. fUg;gz;zd; mtu;fs; $wpa Kiwg;gb fhiy 5.30 kzpf;Nf thbf;ifahsu;fis re;jpj;J md;W fhiy &gha;.25000 gpupkpak; thq;fptpl;ljhf $wpdhu;. vdf ;F kfpo ;r ; r pAk ; Mde ;jKk ; e piwe ;jJ. Vndd;why; jpU. kzptz;zd; mtu;fSf;F ,e;j njhopy; GjpaJ. NkYk; mtu; Vw;nfdNt gugug;ghf ,Uf;Fk; njhopyjpgu ; . ,e;j epiyapYk; mtu; jhd; nra;tJ gpwUf;F ey;yJjhd; vd;W KOikahf ek;gp jPtpukhf n r ay ; g l Jtq ; f p d h u ; . g y ; N tW r h jidfs ; gilj;J ,d;Wk; Kjy; ju Kftu; gl;baypy; cs;shu;. 3. thfdk; kw;Wk; ifNgrp:3. thfdk; kw;Wk; ifNgrp:3. thfdk; kw;Wk; ifNgrp:3. thfdk; kw;Wk; ifNgrp: thbf;ifahsupd; $g;gpl ;l FuYf;F XNlhbr ; nrd;W Nrit nra ;jhy ;jhd; ehk ; Nghl ;bia k Pw p ntw;wpahsuhf KbAk;.


, j ; n j h o p y p y ; N g h l ; b m j p f k ; . Mi f a h y ; thbf ;ifahsUf ;F NjbtUk ; tha ;g ; Gfs ; kw ;Wk ; NritfSk; mjpfk;. thbf;ifahu; ek;kplk; vjpu;ghu;g;gJ mtUf;F Njitahd Neuj;jpy; Nrit nra;tijNa. ,ij ehk; mtUf;F mspf;f Ntz;Lnkd;why; ekf;F thfdKk; ifNgrpAk; kpf kpf mtrpak;. ehk; Kd;du; fz;lJ Nghy> ,j;njhopypy; Neuk; gzkhFk;. ekJ Neuk; gaDs;jhf nrytopaTk;> mjpf Ntiyfis Kbf;fTk; thfdk; mtrpak; . ehk; kpf tpiy kpFe;j fhu;fspy; nry;y Ntz;lhk;. Mdhy;> ekJ trjpf;Nfw;g xU ,Urf;fu thfdkhtJ (Bike) Ntz;Lk;. ,y ;iynad ;why ; ehk ; thfdk ; itj ;j pUg ; gtiu xg;gpLifapy; 5y; xU gq;F $l Ntiy nra;a KbahJ. ehk; tpUk;Gk; Neuj;jpy; thbf;ifahsu; jah uhf ,Uf;fkhl;lhu;. mtu; tpUk;Gk; Neuj;jpy;jhd; ehk; jahuhfNtz;Lk;. mt;thW mtu; tpUk;Gifapy; ehk; mtuJ ,lj ;ij k pf Fiwe ;j Neuj ;j py ; mila Ntz;Lnkdpy ; ek ;k plk ; nrhe ;j thfdk ; ,Ug ;gJ mtrpak;. mNjNghy; ek;kplk; ifNgrpAk; mtrpakhf ,Uf;f Ntz;Lk;. njhopy;El;gk; ekJ trjpf;F te;J mij midtUk; cgNahfpf;f Jtq;fptpl;lhy; ehKk; mij cgNahfpf;f epu ;ge;jpf;fg;gLNthk;. ifNgrp ek;kplk; ,Ug;gjhy; ek;ik ekJ thbf;ifahsUk;> ehk; ekJ thbf;ifahsiuAk; vspjpy; njhlu ;G nfhs;syhk; . ,jd;Kyk; ehk; vg;NghJk; midtuplKk; njhlu;gpy; ,Ug;Nghk;. ,d ; W Kft u ; fs ; n gUk ; g hYk ; ,tw ; i w itj;Js;shu;fs;. Mdhy; rpy tpw;gid Nkshyu;fNs thfdkpd;wp cs;sJ kpfTk; Ntjidf;FwpaJ.

“cq;fs; ifNgrpapd; vz;iz mbf;fb khw;whjPu;cq;fs; ifNgrpapd; vz;iz mbf;fb khw;whjPu;cq;fs; ifNgrpapd; vz;iz mbf;fb khw;whjPu;cq;fs; ifNgrpapd; vz;iz mbf;fb khw;whjPu;” 4. fw;Wf;nfhs;Sk; Mu;tk;: 4. fw;Wf;nfhs;Sk; Mu;tk;: 4. fw;Wf;nfhs;Sk; Mu;tk;: 4. fw;Wf;nfhs;Sk; Mu;tk;: (will to learn) ehk; Kd;djhfNt ghu;j;jJNghy;> ,e;j njhopYf;F gy;NtW jfty;fs; nju pe ;j pUg ;gJ mtrpak ; . ehk ; jfty;fis mwpaNtz;Lnkdpy; jpwe;j kdg;ghd;ik Ntz;;Lk;. vy;yhk; njupAk; vd epidg;gtu; rpy ehl;fspy; xd;Wk; njupahjtuhthu;.


fw ;Wf ;nfhs ;Sjy ; vd ;gJ tho ; ehspy ; jpdKk; elf;Fk; epfo;T vd;gij kwe;JtplhjPu;fs;. tpUg;gkpd;wp ehk; vj;jid Gj;jfk; gapd;whYk;> vj ;jid tFg ;Gfs; nrd;whYk ; vJTk ; ekJ kdjpy ; epw ;fhJ. mg;gbNa epd;whYk; ekf;F Njitg;gLk; Neuj;jpy; mJ ekJ epidtpw;F te;J cjthJ. , j ; n j h o p Y f ; F N j i ta h d t w ; i w fw;Wf;nfhs;shjtu;fs; tpl;by; G+r;rpfs; Nghd;W tpiutpNyNa jq;fs; njhopypd; Kbit jhq;fNs Njbf;nfhs;thu;fs;. jj ;JtNkij rhf ; uB]; jdJ tho ;tpd ; ,Wjpf;fl;lj;jpy;> mtiu fhtyu;fs; tp\kUe;j miof;Fk;NghJ> mtu; kw;Nwhu; ifjp thrpf;Fk; xU fpuhkpa ,iria urpj;jpUe;jhu; . mtuplk; rpiw mjpfhupfs; Neukhfptpl;lJ vd;wNghJ> rhf;uB];> “ehd; ,wg;gjw;F Kd; ,e;j Gjpa ,iria Nfl;L> urpj;Jtpl;L tUfpNwd;. ,e;j jUdj;jpYk; ehd; Gjpjhd xU tp\aj;ij mwpAk; ,e;j tha;ig vdf;F jhUq;fs;” vd;W $wpdhu;. fw;gJ vj;jid mtrpakhdJ! vj ;jid ngUik tha ;e ;jJ! vj;jid mupaJ! “fw;if ed;Nw! fw;if ed;Nw!! gpr;ir GfpDk; fw;if ed;Nw!!!. fw;gjpy; Mu;tk; Vw;gl Ntz;Lnkd;why; ehk; ,e;j njhopiy tpUk;g Ntz;Lk;. ek;Kila fpis-apy;> kz;lyj;jpy; Kjd;ik Kftuhf tuNtz;Lk; vd;w nfhs;if ,Uf;f Ntz;Lk; . ey;y mwpT cs;stu;fSf;Fj;jhd; ,e;j cyfk; rptg;Gf ; fk;gsk; tpupf ;Fk; vd;gij mbf;fb epidtpy; itj;Jf;nfhs;s Ntz;Lk;. jpde;NjhWk; ,uT gLf;iff;F nry;Yk; Kd; ,d;W ehk; vd;d Gjpjhf fw;Ws;Nshk; vd;gij rw;W vz;zpg;ghu;f;f Ntz;Lk;. ehk;kplk; thbf;ifahsu; xU re;Njfj;ij njspTgLj;JkhW Nfl;L mjw;F ehk; njupahky; tpopf;Fk; NghJ Vw;gLk; #oiy rw;Nw epidj;Jg; ghUq;fs;. fw;Fk; Mu;tk; jd;dhy; tUk;.


5. gzk;> Gfo;> tsu;r;rp Mfpatw;wpd; kPJ mjpf ehl;lk;.5. gzk;> Gfo;> tsu;r;rp Mfpatw;wpd; kPJ mjpf ehl;lk;.5. gzk;> Gfo;> tsu;r;rp Mfpatw;wpd; kPJ mjpf ehl;lk;.5. gzk;> Gfo;> tsu;r;rp Mfpatw;wpd; kPJ mjpf ehl;lk;. NghJnkd;w kdNk nghd;nra;Ak; kUe;J vd;gJ gonkhop. Mdhy; ,d;wa Nghl;bAk;> tpiyNaw;wKk;> mbg;gil Njitfspd; mjpfupg;Gk; ,e;e gonkhopia rw ;Wkhw ;w p “ Xa;ntLj;jJ NghJk; vd;W> tplhky; ciof ;Fk ; kdNk nghd ; nra ;Ak ; kUe ;J ” vd ;W Vw;Wf;nfhs;s itf;fpwJ. ehd; xd;Wk; ngupatu;fs; $w;Wf;F vjpu;thjk; nra;a tutpy;iy. Mdhy; xd;iw kl;Lk; epidtpy; itj;Jf; nfhs;Sq;fs;. ‘ e Pq ;fs ; vjhtJ xd;iw ,yf;fhf itj;J> mjid miltjw;F jPtu Kaw;rp vLf;fhjtiu ngupjhf tho;f;ifapy vijAk; rhjpj;jpUf;f KbahJ’ . mjdhy;jhd; gzk;> Gfo;> tsu;r;rp Mfpatw;wpd; k PJ mj pf ehl ;lk ; Ntz;Lnkd ;W $w pNdd ; . gy Kftu;fs; tUlhe;jpu ,yf;fhd 12 ghyp]p nra;jhNy NghJk; vd;wpUf;fpwhu;fs;. mtu;fshy; epWtdj;jpw;Nfh> fpisf;Nfh> Vd; mtu;fSf;Nfh VjhtJ gpuNah[dk; cz;lh? khngUk; rigapdpy; eP ele;jhy; cdf;F khiy fs; tpoNtz;Lk; vd;W Vd; ghbdhu;fs;. rhjpg;gtu;fs; mtu;fSf;F kl;Lk; ed;ik Nru;g;gjpy;iy. ehd; Kd;du; $wpaJ Nghy> jpU. fUg;gz;zd; mtu;fisAk;> jpU. kzptz;zd; mtu;fisAk; ghu;j;j gw;gy Kftu;fs; rhjpf;fpwhu;fs;. ek;Kila ,yf;F ngupajhfTk;> mjw;fhd ekJ ehl;lk; jPtpukhfTk; ,Ue;jhy; ehk; mjpf kf;fis njhlu;G nfhz;L mjpf ghyp]pfs; Nru;g;Nghk;. mjpf kf ;fSf ;F fhg ; g P Lld ; $ba Nrk pg ; G j pl ; lj ;ij toq;fpdhy; ehk; Kd;G ghu;j;jJ Nghy ,e;jpahtpd; nghUshjhuk; tYtilAk;. mjdhy; vspjpy; ty;yurhFk;. ngupa ,yf;F cs;stu;fshy; midtUf;Fk; Mde;jNk. ekf;F gzk; rk;ghjpf;Fk; Mir Ntz;Lk;. Mdhy; mjpf ehl;lk; Ntz;Lkh? epr;rak; Ntz;Lk;. mNj rkak;> ehk; KiwNflhfNth> ghyp]pjhuiu Vkhw;wpNah> mtuJ mwpahikia cgNahfpj;Njh gzk; Njlf;$lhJ. ,d;wa tho;tpy; trjpahf tho;gtiuNa rhjidahsuhfTk; cau;e;jtuhfTk; kf;fs; kjpf;fpwhu;fs;. NkYk;> gzk;>


Gfo ; > tsu ; r ; r p Mf patw ; w pd ; Nky ; ekf ;F j P uj Mir ,Ue;jhy;jhd; ek;khy; rpwg;ghf ciof;f KbAk;. ekf;F ,yf;nfhd;W ,y;iynadpy; ciog;gjpy; mu;j;jk; ,y;iy. ,yf;fpUe;jhy;jhNd jpl;lkpl KbAk;? jpl;lkpl;lhy;jhNd nray;gl KbAk;? nray;gl;lhy;jhNd rpfuk; njhlKbAk;? ehk; jPu ;khdpf;Fk; ,yf;F ngup ajhf ,Uj;jy; mtrpak;. “fhd Kanya;j mk;gpdpy; ahid gpioj;j NtNye;jy; ,dpJ” vd ts;StUk;> Ntl;ilf;F nry;Yifapy; Kay;fis Fwpitf;fhNj! gjpYf;F ahidia Fwpitj;J mJ jg;gpj;Jr;nrd;whYk; cdf;F mJ ngUikNa! vd;fpwhu;. vd ;Dila mDgtj ; j p y ; > gzk ; > G f o ; > tsu;r;rp ,tw;wpy; VNjDk; xd;wpy; gw;wpy;yhjtu; xUtu; $l ,j;njhopypy; vijAk; rhjpj;jjpy;iy. gj;NjhL gjpndhd;whf> Mz;Lf;F Fiwe;jgl;rk; nra;aNtz;ba ghyp]pfNshL mtu;fs; Kaw;r;rp Kbe;JtpLk; my;yJ Xu pUtUlq ;fspNyNa mtu ; ,e ;j njho py py pUe ;J ntspNawptpLthu;. ,g;gbg;gl;l Njhy;tpahsu;jhd;> MAs;fhg;gPl;L tpahghuk; kpf fbdk; vd;W gug;gptpLthu;fs; . ehd; Kd;Ng $wpaJ Nghy> ,j;njhopypd; kfj;Jtkwpe;jtu; ,ij mtJ}uhf NgRtijtpLj;J> KftuhfpapUg;ghu;. ,j;njhopiyg;gw;wp rupahf njupahjtu;> ,yf;F mw;wtu;> Ntiyaw;wtu;jhd; ,j;njhopiyg;gw;wp jtwhf $Wtu;. cz;ikapy; ,j;njhopy; xU Gdpjkhd njhopyhFk;. ,j ;njhopypy ;jhd ; k pfcd;djkhd nudpty; fkp\Dk; ghyp]pnaLj;j KftUf;Nf fpilf;fpwJ. mjpf gzk ; rk ; g h j p f ; f n g u p a g hy p] p fis vLf ; f Ntz;bajpy;iy. khwhf> mjpf mstpy; thbf;ifahsu; ,Uf;fNtz;Lk;. mjpf thbf;ifahsu;fNs ,j;njhopypy; cq ;fsJ e p ue ; j uj ; jd ;ikia cWj pg ; gLj ;Jtu ; . ,j;njhopypy; ,Ug;gJNghd;w tha;g ;G Ntnwq;fpYk; ,y;iy. rhjpf;Fk; gy Kftu;fs; tUlk; NjhWk; epWtdk; nrytopf;Fk; gy ntspehL Rw;Wg;gazk; nry;fpwhu;fs;.


6. jPtpu jd;dk;gpf;if kw;Wk; tplhKaw;rp:6. jPtpu jd;dk;gpf;if kw;Wk; tplhKaw;rp:6. jPtpu jd;dk;gpf;if kw;Wk; tplhKaw;rp:6. jPtpu jd;dk;gpf;if kw;Wk; tplhKaw;rp: ve;jxU nraiy nra;tjhdhYk;> jd;dk;gpf;if kw;Wk; tplh Kaw;rp Ntz;Lk;. Mdhy;> ,e;j njhopypy;> rw;W $Ljy; msT Ntz;Lk;. Vndd;why;> ehk; Kd;Ng $wpaJ Nghy> ehk; tpw;gJ jpl;lq;fis mJTk; gzk; t hq ; F k ; n j ho p y ; . e Pz ; l e h l ; fSf ; F g ; g p w N f thbf;ifahsu; ,jd; gyd;fis milthu;. vdNt ek ; k P Jk ; > ekJ j p l ; lq ; fs ; k PJk ; thbf;ifahsUf;F ek;gpf ;if Vw;gl;L> mtu; gzk; nrYj;j jahuhFk; tiuapy; nghUikAld; ,Uf;f Ntz ;Lk ; . NkYk ; > me ; j jah u hFk ; Ntisa py ; thbf;ifahsUf;F Vw;gLk; gy;NtW khw;wq;fisAk; r e ; N j f q ; f i s A k ; v j p u ; n f h s ; s N tz ; L k ; . ,tw ;iwnay ;y hk ; j hz ; b e hk ; g hy p] p vLf ; f Ntz ;Lnkd py ; ekf ;F mj Pj jd ;dk ; g p f ;ifAk ; > tplhKaw;rpAk; Ntz;Lky;yth? vdJ Kftu; xU thbf;ifahsuplk; vd;id mioj;Jr;nrd;whu; . ehd; nry;tjw;F Kd;dNk mtu; thbf;ifahsiu gyKiw nrd;W ghu;j;jpUe;jhu;. ghyp]p vLg;gjw;fhd #oy; ,Ue;Jk;> VNjNjh fhuzq;fSf;fhf fhyk; fle;Jnfhz;L ,Ue;jJ. ehDk; nrd;W mtiu re;jpj;J ciuahbNdd;. thbf;ifahsuplk; ngupaNjhu; jpl;lk; toq;Fkstpw;F jFjpAk;> rpwe;jNjhu; ghyp]p vLg;gjw;fhd Mu;tKk; ,Ue;jJ. Mdhy; mtu; fhyk; flj;jpf;nfhz;bUe;jhu;. tha;g;ig ghu;j;j gpd;du; ahUf;Fj;jhd; tpl kdk; tUk;? ehd; kpFe;j ek;gpf;ifNahL mtiu njhlu;e;Njd;. Mdhy; XupU njhlu;jYf;Fg;gpwF vdJ KftUf;F ek;gpf;if jsu;e;Jtpl;lJ. gpwF mtu; vd;Dld; ,e;j thbf;ifahsiu re;jpf;f tutpy;iy. MdhYk;> ehd; kdk; jsuhky; mtiu njhlu;e;J re;jpj;J te;Njd;. ehSf;F ehs; ehDk; thbf;ifahsUk; ez;gu;fshNdhk;. ,d;#ud;]; jtpu gpw tp\aq;fs; Ngrj;Jtq;fpNdhk;. mtUila mYtyUk; xU fhg ;g Pl ;L Kftu ; vdpDk; rupahf vdJ Kjy; re;jpg;gpypUe;J> 45 ehl;fspy; mtu; kpfg;ngupa ghyp]p xd;iw vLj;jhu;. mjd; fhg;gPl;L njhif vt;tsT njupAkh?


&gha; 1 NfhbNa 25 yl;rq ;fs; . ehd; ghyp]pia vLj ; jjd ; %yk ; t piykj p g ; g w ; w xUg h lj ; ij fw;Wf;nfhz;Nld;. mJ tplhKaw;rp kw;Wk; jd;dk;gpf;if. ,e;j cjhuzj;ij ehd; Kd;Ng $wpAs;Nsd;. rpy Neuq;fspy; 6 khjq;fs; fopj;J $l rpy thbf;ifahsuplk; rhjfkhd gjpy;fs; fpilj;jJz;L. ,t;thW fhyk; jho;j;jg;gl;lhy; cq;fSf;F rpwg;ghd xU gyd; fhj;jpUf;fpwJ vd;W fUj;jpy; nfhs;Sq;fs;. ehk; xt;nthU thbf;ifahsiu ngWk;NghJ> ePz;lehs; el;igAk;> gy Mz;Lfs; gad;gLk; rpwe;jNjhu; r p g h u p Rjh uiuAk ; ngWf p Nwhk ; vd ; gij kdj py ; itj;Jf;nfhs;Sq;fs;. ,jw;fhf ehk; nghWikahfj;jhd; ,Ue;jhfNtz;Lk;. 7. thbf;ifahsiu Nerpf;Fk; gz;G:7. thbf;ifahsiu Nerpf;Fk; gz;G:7. thbf;ifahsiu Nerpf;Fk; gz;G:7. thbf;ifahsiu Nerpf;Fk; gz;G: thbf;ifahsu; ekJ thu;j;ijfis ek;gp mtuJ FLk;gj;jpw;fhd nghUshjhu ghJfhg;igAk;> mtuJ vjpu;fhyj;jpd; NjitiaAk; ek;kplk; xg;gilf;fpwhu;. mg;gbg;gl;l xU ek;gpf;iff;F ehk; xUNghJk; NfL tpistpf;ff;$lhJ. xUthbf;ifahsupd; ed;kjpg;G xU ghyp]pAld; Kbe;JtplhJ. mtu; jpUg;jpaile;Jtpl;lhy;> mtuJ ftdj;jpy ; ahUUtu ; Nrkpg ;G kl;Lk; fhg ;g PL gw;w p NgrpdhNyh> jpl ;lkpUe ;jhNyh mtuhfNt Kd;te;J cq;fis rpghupR nra;thu;. ,ijtpl cq;fSf;F NtW vd;d gyd; Ntz;Lk;? xUtu; ,Utuhdhy;? mj;njhlu; gd;klq;fhf ngUFkd;Nwh? ekJ thbf;ifahsu; ek;kplk; vjpu;ghu;g;gJ vy;yhk; n ts p g ; g i la hd N g r ; R k w ; W k ; cz ;i ka hd NritNa! ,tw;iw toq;Ftjd; %yk; ehk; kpf vspjpy; Kjd;ik Kftuhf KbAk;. vdJ Kftu; xUtu; xU thbf;ifahsuplk; A+ypg; ghyp]papy; ngupa njhifia KjyPlhf ngw;wpUe;jhu;. 2008k; Mz;L gq;Fr;re;ij ntFthf Fiwe;Jtpl;lJ. mjpy ; mjpu ; r ;r paile ;j thbf ;ifahsu ; > Kftiu njhlu ;Gnfhz;L gz;L khw ;Wk ; MNyhrid Nfl;f Kad;whu;. me;j #oypypUe;J jg;gpg;gjw;fhf Kftu;


thbf;ifahsuplk;> jw;NghJ njhifia bgd;ru; gz;bw;F (fld; gj;jpuq;fs;) khw;w Ntz;lhnkd;Wk;> tpiutpy; re;ij Kd;NdWk; vd;W $wptpl;lhu;. rpy ehl;fs; fopj;Jk; re;ij Kd;Ndwhjjhy;> thbf;ifahsu; Kftiu njhlu;Gnfhs;s Kad;whu ; . KftNuh> mtuJ miog ;g pw ;F gjpyspf ;ftpy ;iy. k d N t j i d A l d ; t h b f ; i f a h s u ; v d ; i d njhlu;Gnfhz;lhu; . ehd;> gq;Fr;re;ij ty;Yeu;fis MNyhrpj;J> thbf;ifahsUf;F ek;gpf ;ifaspf;Fk; jfty;fis mspj;Njd;. thbf;ifahsu; Kftu; Kjypy; mspj;j MNyhridf;F tUe;jtpy;iy. Mdhy;> mtu; miog;ig vLf;fhjjw;F kpFe;j Ntjidaile;jhu;. ehk; vg;nghOjhtJ miog;ig vLf;fKbahj ep iya py ;,Ue ;j hnyho pa miog ; g p w ;F gj pys pf ; f Ntz;Lky;yth? mg;gbNa gjpyspf;fKbahj #oypy; ,Ue;jhYk; > jtwpa miog;Gfis jpUk;g miof;f Ntz;Lk;. e h k ; Ntz ; l h jt u ; fs ; k w ; W k ; nj hy ; iy jUgtu;fsJ miog;Gfis kl;Lk;jhd; vLf;f kWg;Nghk;. thbf;ifahsiu mt;thW fUjyhkh? mg;gbahdhy; ,J vt;tsT ngupa jtW? NkYk; ehk; xU njhopy;El;gj;ij jtwhf gad ; gLj ;JtJ me ; j fz ; Lg p bg ;igNa mtkjpg;gJ Mfhjh? ghyp]pf ;fhd Nritfs; jtpu Njitg ;gLk ; nghOJ NtW rpy cjtpfisAk; MNyhridfisAk; toq;Ftjd; %yk; ehk; thbf;ifahsiu ntFthf ftuyhk ; . Fiwe ;j yhgk ; > mjpf tpahghuk ; vd;w jj ; Jtk ; j h Nd gy t p a h g h u r f ; f u t u ; j p fis cWthf ; f p As ;sJ . vdNt > cq ; fs ; gyidt pl thbf ;ifahsu pd ; gyDf ;F mjpf Kf ;f paj ;Jtk ; nfhLq;fs; . thbf;ifahsu; xU jq;f Kl;ilapLk; thj;J.. epjhdkhfTk;> mf;fiuAlDk; ftdpj;J Nrit-nra;Aq;fs;. thbf ;ifahsu ; Nky ; ekf ;F Vd ; mt;tsT mf;fiw Ntz;Lk;? NkYk; gbAq;fs; GupAk;. xUehs; vdJ miyNgrpapy; njupahj vz;zpypUe;J miog;G. kWKidapy; xU ngz; kpfTk; gjl;lkhf Ngrpdhu;. rpy tpdhbfspy; mtu; vd;Dila thbf;;ifahsupd; kidtp


vd;W Gupe;jJ. mtiu epjhdpf;fr; nra;J gpd; vd;d cjtp Ntz;Lk; vd;W Nfl;Nld;. mtu; vd;id miof;Fk; NghJ ehd; jpUr;rpapy; ,Ue;Njd;. mtu; ngq;fS&tpy; ,Ue;jhu;. vdJ thbf;ifahsiu rpy r%f tpNuhjpfs; jtwhf vz;zp jhf;fpajy; mtu; capUf;F Mgj;jhd epiyapy; kUj;Jtkidapy; mDkjpf;fg;gl;L ,Ue;jhu;. mofhd FLk;gj;jiytUf;F ,g;gb xU epiy vd;gNj neQ;ir cUf;Fk ; jfty; . mtu ; 35 taJilatu ; mofhd ,uz;L Foe;ijfs; cz;L. , e ; j e p iya p y ; mt u ; N f h k h t p y p U e ; J jw;fhypfkhf tpLgl;l xU rpy tpdhbfspy;> mtUila kidtpf;F vd;id $g;gplr ;nrhy;yptpl ;L kWgbAk; kaq;fptpl;lhu;. kpfTk; Mgj;jhd epiyapy; mtu ; ,Ue;jhu ; . vdf;F vd;d nra;tnjd;Nw njupatpy;iy. clNd Gwg;gl ;Lr ; nry;yNtz;Lk; Nghy; ,Ue;jJ. Mdhy; Kf;fpa mYty; fhuzkhf efu Kbatpy;iy. ehd; mtUf;F nfhLj;jpUe;jJ Nrkpg;Gld; $ba MAs; fhg;gPL ghyp]p. mjpy; kUj;Jtf;fhg;gPL ,y;iy. vd;whYk; ehd; mtuJ kidtpaplk; tPl;bw;F nrd;W midj;J ghyp]pfisAk; vLj;J me;j ghyp]p vz;kw;Wk; vd;d epWtdk; vd;w tpguj;ij $WkhW $wpNdd;. mtUk; mt;thNu nra;jhu;. Mdhy; mjpy; xU ghyp]p $l kUj;Jtf;fhg;gPL ghyp]p ,y;iy. ehd; k pfTk ; Ntjidaile ;Njd; . vd ;whYk ; mtu ; r py ehl ;fspNyNa cly ; epiy Njwp vd;Dld; miy Ngrpapy; NgrpagpwFjhd; epk;kjpahNdd;. ,d;Wk; vdf;F kdciyr;ry; jPutpy;iy. md;W ehd; mtuplk; xU kUj;Jtf;fhg;gPL nra;Jnfhs;SkhW nrhy;ypapUe;jhy; kpfTk; cjtpahf ,Ue;jpUf;Fk; my ;yth? ,e ;j e pfo ;t py ; e Pq ; fs ; xd ;W Gu pe ;J nfhs;Sq;fs;. ePq;fs; cq;fsJ thbf;ifahsUf;F kpfTk; Kf;fpakhd egu;. mtu; cq;fis ek;gpj;jhd; cs;shu;. 8. vg;NghJk; Nritnra;a jahuhf ,Uq;fs;:8. vg;NghJk; Nritnra;a jahuhf ,Uq;fs;:8. vg;NghJk; Nritnra;a jahuhf ,Uq;fs;:8. vg;NghJk; Nritnra;a jahuhf ,Uq;fs;: ekJ njhopYf;nfd jdp Neuk; ,Uf;fpwjh? ehk; NtWrpy njhopiyg;Nghy ekf;nfd xU Neuj;ij xJf;fp Ntiynra;a ,aYkh?


ehk; xU mYtyfj;ij jpwe;J mjpy; midj;J trjpfisAk; nra;J fhj ;j pUe ;jhy ; > ,j;njhopiy rpwg;ghf nra;a ,aYkh? ve;j Neuk; ek;njhopYf;F cfe;j Neuk;? fhiyah? kjpakh? khiyah? Ntiy ehl;fsh? tpLKiw ehl;fsh? gjpy; $w KbAkh? ekJ jpl;lq;fSk;> ghyp]pfSk; midtUf;Fk; ,d;wpaikahjJjhd;. Mdhy;> vj;jid egUf;F ,e;j cz;ik nju pAk ; ? xU egu ; KftiuNah fhg ;g PL mYtyfj;ijNah Njbr;nrd;W ghyp]p vLj;j cjhuzk; kpf kpf mupJ. mt;thNu vLj;jpUe;jhYk;> mJ fhg;gPL jtpu NtW xU fhuzkhf ,Uf;Fk;. cjhuzj;jpw ;F ehd; xUKiw MAs;fhg;g Pl ;L fofj;jpy; vdJ ez;gu; xUtuplk; Ngrpf;nfhz;bUe;Njd;. mg;nghOJ xU egu ; mtuplk; mZfp> jdf;F xU ghyp]p mtrukhf Ntz;Lk ; vd;W Nfl;lhu ; . ehd; xUepkplk; ciwe;Jtpl;Nld;. MAs; fhg;gPl;bd; mtrpak; ,g ;nghOJ kf;fSf;F Gu pe ;Jtpl ;lJ> ,dpnayhk ; fhg;gPl;L njhopYf;F tre;jfhyNk vd epidj;Njd;. M u ; t k p F j p a h y ; > m e ; j e g u p l k ; > v e ; j fhuzj;jpw;fhf ePq;fs; ghyp]p vLf;f tpUk;GfpwPu;fs; vd Nfl;Nld;. mjw;F mtu; mspj;j gjpy; vdJ xU epkpl Mde;jj;jpw;F tpLg;G kzp mbj;jJ. mtu; $wpa fhuzk; vd;dntdpy;> mtUf;F Xl;Ldu; cupkk; kw;Wk; thfd gjpTnra;a Kftup rhd;W ,y;iy vd;Wk;> mjw;fhf Fiwe;e gpupkpaj;jpy; xU ghyp]p vLf;f tpUk;GtjhfTk; $wpdhu;. ,J ele;jJ 2006k; Mz;L khu;r; khjk;. md;Nw ehd ; Gu p e ;Jnfhz ; Nld ; > me ;j ghy p] p e pr ; rak ; fl;ltpLgl;l ghyp]pahFk; vd;W. ,t;thW vg;NghNjh ep-fOk; mjpra epfo;Tfis vjpu;ghu;j;J ehk; njhopy; nra;a KbahJ. vdNt> ehk ; thbf ;ifahsUf ;F trj pahd Neuj;jpy; > mtu; tpUk;Gk; ,lj;jpy;jhd; NritNah> j pl ;ltpsf ;fNkh nfhLf ;f ,aYk; . mt ;thnwdpy ; ekf;nfd Neuk; vd;W jdpahf cs;sjh? kpfg;ngupa rhjid kdpju;fis ftdpj;Jg;ghUq;fs;. mtu;fsJ c lY k ; c s ; s K k ; v g ; N g h J k ; ci o j ; J f ; nfhz;Nl ,Uf;Fk;.


xUrpy thbf;ifahsiu xUrpy Neuq ;fspy ; ghu ;f ;fNtz;Lk ; . mNj rkak ; xUrpy Neuq ;fspy ; ghu;g;gij jtpu;f;f Ntz;Lk;. cjhuzkhf> mYtyfq;fs; nry;gtiu> Ntiy ehl;fspy; fhiy 7.30 kzpf;F Kd;djhfNth> khiy 7 kzpf;F gpwNfh> tpLKiw ehl;fspy; fhiy 9 kzpf;F gpwF> kjpa czT Neuj;jpw ;F Kd;dKk; khiy 6 kzpf;F gpwFk; ghu;g;gJ rupahd Neuk;. kUj;Jtiu fz;bg;ghf mtuJ ghu;itNeuq;fspy; ghu;f;ff;$lhJ. ,uT mtuJ Ntiyfis Kbj;jgpwFk;> fhiyapy; mtuJ Ntiyfis Jtq;Ftjw;F Kd;dUk; re;jpf;fyhk;. tpahghupfisAk;> njhopyjpgu;fisAk; fhiy 9kzpf;Fg;gpwF kjpak; 2 kzpf;F Kd;ghf Ntiy ehl;fspy; re;jpg;gij fl;lhak; jtpu;f;fTk;. Vnddpy;> me;j rkaq;fspy; mYty; kw;Wk; tq;fp Ntiyfs; mjpfkhf ,Uf;Fk; . ,r;rkak; ePq ;fs; mtu;fSf;F xU ,ilA+uhfj ;jhd ; ,Ug ;g P u ;fs; . NkYk ; e Pq ;fs; $Wtij mtu;fshy; ftdpf;fTk; KbahJ. ngUk ;ghYk ; ntw ;w pahd fhg ;g Pl ;L tpahghu re;jpg;Gfs; thbf;ifahsupd; tPl;bYk; mtuJ Xa;T Neuq;fspYk;jhd; epfOk;. mjpfhiy 7 kzpKjy; 8.30 kzptiu ehq;fs; tPl;by; re;jpj;j egu;fspy; 3y; xUtu; xUkhjj ;j pw ;Fs ; vq ;fSf;F thbf ;ifahsuhtij mwpe;Njhk;. ,t;thwhf> gyNtWgl;l thbf;ifahsu;fis mtutu; tpUk;Gk; my;yJ mtutUf;F rhjfkhf mik Ak; Neuq;fspy; re;jpf;f Ntz;b,Ug;gjhy;> ehk; fhiy 6 kzp Kjy; ,uT 12 kzptiu vg;NghJk; Ntiynra;a jahuhf ,Uf;fNtz;Lk;. ekf;nfd;W jdpNeunky;yhk; fpilahJ. jpUr;rpapy; xU thbf;ifahsiu re;jpf;f mDkjp ngw;w pUe;Njhk; . mtu; ,uT 10.30 kzpf;F tUkhW nrhd;dhu ; . ,uT 10.30 kzpf;F mtuJ ,y;yj;jpy ; ehq;fs; ,Ue;Njhk; . ehq;fs; mtiu re;jpj ;J Ngr Jtq;Fk; nghOJ> ,uT 11.30. vq;fSf;Fs; ciuahly; t pUk ; gj ;jf ;f tifapy ; e pfo ; e ; jJ. mtu ; Nfl ;l Nfs;tpfSf;Fk;> vOg;gpa re;Njfq;fSf;Fk; ehq;fs; gjpyspj;Jf; nfhz;bUe;Njhk;.


mtu; jpUg;jp mile;J vq;fSf;F 25>000 Ugha; fhNrhiy gpupkpakhf toq;fpdhu;. mtuplk; ehq;fs; fhNrhiy thq;Fk; nghOJ kzp ,uT 12.00 . ,jpy ; ehq ;fs; Mde;jkile;j tprak; vd;dntd;why; > ehd; jpUr;rpapy ; xU jdpahu ; fhg;gPl;L epWtdj;jpd; Gjpa fpisia Jtq;Fk; ng hUg ; G ld ; Ntiyg h u ; j ; j ng hOJ me ; j epWtdj;jpd; jpUr;rp fpisapd; Kjy; gpupkpak; mJjhd;. gzpGupAk; xt;nthU mYtyUf;Fk; Ntiy Neuk; fhiy 9 kzpapypUe;J khiy 6 kzptiu kl;LNk! Mdhy; tpw;gidapy; ,Ug;gtu;fSf;F tha;g;G vg;NghJ tUfpwNjh! mg;Nghnjy;yhk; mtu; jahuhf ,Uf;f Ntz;Lk; . mjpu ;\;lk ; vd;gJ re;ju;gKk; tpopg;Gzu;r;rpAk; re;jpf;Fk; ,lkd;wp Ntnwhd;Wk; ,y;iy!! ehk; Nkw;fz;l midj;J gz;GfSk; ,e;j njhopiy rpwg;ghf nra;a ,d;wpaikahjJ MFk;. ,jpy ; VjhtJ xd;W Fiwe;jhYk; mJ ekJ ntw;wpia ntFthf ghjpf;Fk;. ehk; xU tp\aj;ij ed;F fUj;jpy; nfhs;s ntz;Lk;. “Small things make Perfection.. But Perfec-tion is not a small thing”. “rpwe;jJ vd;gJ> rpwpa rpwpa nghUl;fs; kw;Wk; nray;fspd; Nru;f;ifNa! Mdhy; rpwe;jJ vd;gJ rpwpa tp\aky;y” . ,e;j njhopYf;F ,j;jid tp\aq;fs; mbg;gilj;Njit vd;why;> ,J kpfTk; fbdkhd njhopyhf ,Uf;FNkh? vd;W gag;glNtz;lhk;. rpd;d tp\aq;fspYk; ehk; ftdkhf ,Ue; ;jhy;> ekJ njhopy; xU nghd;nfhopf;Fk; njhopyhFk;. ,aw ;iff ; F vg ; N g hJNk j hkj p g ; gJ g pbf ;fhJ. ehk ; midtUf ;Fk ; tha ;g ; Gfis mt;tg ;NghJ ,aw;if toq;f pf ; nfhz;Ljhd; ,Uf;Fk;. ehk; me;j rkaj;;jpy; cldbahf nray; gl ;lhy ;jhd ; ekf ;F fpilf ;Fk ; . ,y;iyNay; gpwUf;F nrd;WtpLk;.


Mq ; f p yj ; j p y ; ,ij A p p r o a c h i n g vd ; W $Wthu;fs;. ,J Kjw;fl;l tpahghu nray;. ,jw;F Kd;du; ehk; fz;l nray;Kiwfs; vy;yhk; tpahghuk; Jtq;Ftjw;F Kd;du; ehk; Nkw;nfhs;s Ntz;ba Maj;j gzpfs;. ,g;nghOJ ehk; tpahghuk; nra;Ak; nraYf;Fs; mjhtJ fsj ;j py ; ,Uf ;f p Nwhk ; . ,d pNky ; ehk ; ghu;f;fg;NghFk; xt;nthU fUj;Jf;fSk; jtWNeuhky; nra;aNtz;ba tpw;gid Kiwfs;. gy;NtW re;ju;gq;fspy; ,Ue;J fw;Wf;nfhz;l ghlq;fs;. ,tw;wpd; Njit kw;Wk; tpisTfs; egiug;nghUj;J khWgLk ; . cjhuzj ;j pw ;F ehk ; ekJ neUq ;f pa ez ; g u p l N k h my ; yJ cwt p d u p l N k h k p F e ; j ftdj;JlDk;> tpahghu cf;jpAlDk;> %d;whk; eguplk; ele ;Jnfhs ;Sk ; KiwAlDk ; mZfNtz ; baJ mtr pak py ;iy . r py Neuq ;fs py ; ekf ;F k pfTk ; gupr;rakhdtu;fsplk; ehk; ,ay;Gf;F khwp nray;gLtJ vjpu;kiw tpisTfis$l Vw;gLj;Jk;. vdNt> ,lk;> nghUs; ghu;j;J ,dpNky; $wg;gLk; cf;jpfis ifahSq;fs;. MdhYk; ,jpy; $wg;gl;Ls;s Kiwfs; kpfTk; ntw;wpfukhd Kiwfs; . ,tw;iw gpd;gw;Wtjd; %yk; ehk; Njhy;tpfisAk;> vjpu;kiw tpisTfisAk; jtpu;f;fyhk;. mZFjy; vd;gJ thbf;ifahsuplk; ehk; Kjypy; njhlu;Gnfhs;Sk; gFjp. ,jpy; ehk; nra;Ak; rpwpa gpioAk; tpw;gidf;fhd njhlu;ig nfLj;JtpLk; my;yJ Jz ; b j ; J t p L k ; . e h k ; mZF k ; r k a j ; j p y ; thbf;ifahsUf;F ek;k PJ ed;kjpg ;ig Vw;gLj;Jk; t p j k h f ,Uf ; f Ntz ; Lk ; . Kjy py ; e h k ; Vd ; mZfNtz;Lk;? mZFjypd; Fwpf;Nfhs; vd;d vd;gij mwpe;J gpd; mZFjiy ghu;g;Nghk;.


mZFjy; vd;gJ tpw ;gidapd; Kjw;fl;lk ; . ek;ikg;gw;wp thbf;ifahsuplk; mwpKfk; nra;J> my;yJ ek;ikg;gw;wp thbf;ifahsplk; epidT$u;e;J> mtiu re ;j pj ;J NgRtjw ;F mDkjpAk ; NeuKk ; ngWtJ mZFjy; MFk;. mZFjy ; %yk ; e h k ; t h bf ; ifa hs u pd ; mDkjpAld;> mtu; tpUk;Gk; ,lj;jpy;> tpUk;Gk; Neuj;jpy; re;jpf;f tha;g;G fpilf;Fk;. mt;thW mDkjpapd;wp nry ;Yk;NghJ> thbf ;ifahsupd ; kdepiy kw ;Wk ; Ntiyg;gSgw;wp njupahky; ehk; Ngr Jtq;FNthk; . mg ;gb NgRk ;NghJ> thbf ;ifahsu ; KOkdJld; > KOftdj;Jld; ciuahlypy; gq;Fngw tha;g;G kpf FiwT. NkYk; ekJ Neuk;> thbf;ifahsupd; Neuk; tPzbf;fg;gLk;. ,jdhy; ek;ikg;gw;wpa ey;y mgpg;gpuhak; thbf;ifahsUf;F Vw;glhJ. mZFjypd; %yk; ehk; Neuj;ij kpr;rg;gLj;j KbAk;. vt;thnwd;why; > ehk; ekf;F njupe;j egiu mZfp> mDkjpngw;wgpd; re;jpf;f nry;Yk;NghJ mtu; ekf;fhf xJf;fpaNeuj ;j py ; ek ;k plk ; ciuahLtJ cWjpnra;ag;gLfpwJ. mt;thW Fwpg;gpl;l Neuj;jpy; ekJ thbf;ifahsu; Xa;thf ,y;yhky>; re;jpg;G jtpu;f;fg;gLk; rkaj;jpy; ek;kPJ thbf;ifasUf;F xU nky;ypa el;G my;yJ md;G (Soft Corner) Vw;gLk;. ,JTk; ekf;F rhjfkhd epfo;Nt! mdhy; mDkjpapd;w p ehk ; thbf;ifahsiu re ;j pf ;f nrd;W mtu; ek;ik re;j pf ;Fk; epiyapy; ,y;yhj rkak;> ehk; mq;F nry;y vLj;Jf;nfhs;Sk Ne uk ; k w ; Wk ; N g hf ; Ft uj ; J nryT Mf pait tPzhFky;yth? mZFjypd; %yk; mDkjpngwhky; ,j;njhopiy Jtq;fpa gyu; XupUehl;fs; miye;J ntWj;J njhopiytpl;Nl nrd;wpUf;fpd;wdu;. ,jw;F fhuzk;> njhopypd; fLikay;y. ehk; nray;gLk; K iwapd; jtNw MFk;. NkYk; ehk; xUtupd; mDkjpapd;wp njhe;juTnra;ifapy; ntWg;igj;jhd; rk;ghjpg;Nghk;. mZFjy; vd;gJ Kjy; epfo;T. Kjypy; ePq;fs; cq;fisg;gw;wp thbf;ifahsuplk; Vw;gLj;Jk; gjpg;G kpfTk; rupahf ,Uf;f Ntz;Lky;yth? First Impression should always be the Best Impression.


ehk; Nghd; nra;J fhg;gPl;bw;fhf tUfpNwd; vd;W $w p d h Ny n eUq ; f p a ez ; g u ; $ l mDkj p j u kWf;fpwhu;fs;. vdNt mtu;fis ghu;f;f Ntz;Lnkd;why;> Neubahf nrd;W fhj;jpUe;jhtJ ghu;j;Jtpl;L tUtJjhd; xNutop vd;W xUrpyu; $Wtu;. xUtopapy; mtu;fs; $Wtjpy; mDgtg;G+u;tkhd epahak ; cs;sJjhd ; . vd;whYk ; tpiymjpfkhd gupl;irahfj;jhd; mDkjpaw;w re;jpg;G epfOk;. ehk; mZFtjpd; Fwpf;Nfhis njupe;Jnfhz;L> mZFk; Kiwia gpd;gw;wpdhy;> epr;rak; ntw;wptUk;.

“ ehk; mZFk; midtUNk ekf;F mDkjpaspj;J ehk; mZFk; midtUNk ekf;F mDkjpaspj;J ehk; mZFk; midtUNk ekf;F mDkjpaspj;J ehk; mZFk; midtUNk ekf;F mDkjpaspj;J md;Nw re;jpf;f tha;g;G jUthu;fs; vd;W ek;ghjPu;md;Nw re;jpf;f tha;g;G jUthu;fs; vd;W ek;ghjPu;md;Nw re;jpf;f tha;g;G jUthu;fs; vd;W ek;ghjPu;md;Nw re;jpf;f tha;g;G jUthu;fs; vd;W ek;ghjPu;”

mZFtJ vd;gJ njhiyNgrp my;yJ ifNgrp thapyhf> thbf;ifahsiu njhlu;G nfhz;L> mtuplk; re;jpg;gpw;fhd mDkjpAk;> NeuKk;> re;jpf;Fk; ,lj;ijAk; ngw;Wf;nfhs;jy;. Vd; ehk; njhiyNgrp my;yJ ifNgrp %yk; n j h l u ; G n f hs ; s Ntz ; L k ; ? N e u ba h f n rd ; W mDkj pngwf ;$lhjh ? Neubahf nry ;tnjd py ; > Ngha;tUtjpy; Neuk; nrythFk;. Neubahf nry;Yk; NghJ> thbf;ifahsu; mq;F ,y;iynadpy; > ekJ Kaw;rp tPzhFk;. tpistpy;> ekf;F tpuf;jpjhd; kpQ;Rk;. vdNt ,j;njhopiy rpwg;ghf nra;aNtz;Lk; v d ; w h y ; > mZFj y ; % y k ; mDk j p n g w ; W thbf;ifahsiu re;jpAq;fs;. mt;thW mDkjpAld; ehk; nry;Yifapy; ,U Kf;fpa rhjfkhd fhuzpfs; Vw;gLk;. x d ; W > t h b f ; i f a h s u ; e k J t U i f a h y ; njhe;juTnra;ag;glkhl;lhu;. ,uz;lhtJ> ek;Kld; ciuahLk; kdepiyia thbf;ifahsUf;F ehk; Vw;gLj;jptpl;L nry;tjhy;> ekJ ciuahly ; ca p N u h l ; lk hf > t hbf ;ifahsu pd ; gq;FngWjYld; epfOk;. ,JNt tpw;gidapd; rhjfkhd njhlf;fk; MFk;. mZFjypd;NghJ> ehk; kpfTk; fdpTlDk;> kupah ijAlDk; NgrNtz;Lk; . ngUk;ghYk; njhiyNgrp my;yJ miyNgrpapypUe;J njhlu;G nfhs;tjhy; ekJ Fuy; njspthfTk; Vw;wj;jho;TfSlDk; ,Uf;f Ntz;Lk;.


mZFk;NghJ ehk; cWjpnra;a Ntz;bait:mZFk;NghJ ehk; cWjpnra;a Ntz;bait:mZFk;NghJ ehk; cWjpnra;a Ntz;bait:mZFk;NghJ ehk; cWjpnra;a Ntz;bait: 1. e Pq ;fs ; njhiyNgrpapy pUe ;J thbf ;ifahsiu

mioj;jhy;> ePq;fs; ,Uf;Fkplj;jpy; rg;jk; kw;Wk; xyp khrpy;yhj ,lkhf ,Uf;fNtz;Lk;. Vnddpy; ePq;fs; mikjpahd ,lj;jpypUe;J NgRk; NghJjhd; ciuahly; njspthfTk;> njhe;juT ,y;yhkYk; ,Uf;Fk; . mg;NghJjhd; cq;fsJ Fwpf ;NfhSk; ,ila+upd;wp epiwNtWk;.

2. ePq ;fs; cq;fsJ ifNgrpapypUe;J mioj;jhy; > rpf;dy; njspthf cs;s ,lj;jpypUe;J miof;fTk;. ve ;jxU fhuzj;j pw ;fhfTk ; cq;fsJ miog ;G njhe;jutpy;yhky; ,Uf;fTk;.

3. e Pq ;fs ; miof ;Fk ; Neuj ;j py ; > vj p u ;Kida py ; thbf;ifahsu; NtiyahfNth> NgRk; kdepiyapy; ,y;yhkNyh ,Ue;jhy;> nkd;ikahf gpwF NgRtjhf $wptplTk;. me;jNeuj;jpy; vijAk; tpsf;f Ntz;lhk;.

4. ru pahd re ;ju ;gk ; ,Uf ;Fk ; gl ;rj ;j py ; > e Pq ;fs ; Ngrj ;Jtq ;Fk ;NghNj Fwpg ; g pl ;l egu plk ; jhd; N g Rf p w P u ; fs ; vd ; gij cWj p g ; g L j ; j p t p l ; L Ngrj;Jtq;Fq;fs; . thbf;ifahsuplk; cq;fis mwpKfk; nra;Jnfhs;Sq;fs;. eyk; tprhup Aq;fs;. gpd;du; mtuplk; Neupy; re;jpj;J ciuahl mDkjp NfSq;fs;. mDkjp Nfl;Fk; Neuk;> ePq;fs; RUf;fkhf> vijg;gw;wp NgrNtz;Lk; vd;gijAk; $WtJ eyk;. cjhuzj;j pw ;F . “tzf;fk ; rhu ; ! ehd ; KUfd; NgRfpNwd;! Fkhu; rhu; ,Uf;fhuh?.. (kWKidapy; F k h u ; , U e ; j h y ; > e h d ; j h d ; N g R f p N w d ; v d ; W k ; > , y ; i y n a d ; w h y ; v g ; n g h O J njhlu ; Gnfhs ;syhnkd;w jftYk; cq;fSf;F fpilf;Fk;) (Fkhu; ,Ue;jhy;…) rhu; ehd; xU rpwe;j Nrkpg;G kw;Wk; KjyPL gw;wp cq;fis Neupy; re;jpj;J; N g r Ntz ; Lk ; . e hd ; ,d ;W f hiy cq ; fis re;jpf;fyhkh? (rup vd;why;> ve;j ,lk; ve;j Neuk; vd;gij cWjpnra;aTk;)


(fhiy KbahJ vd;why; khiy vd;Wk;> ,d;W KbahJ vd;why;> ehis vd;W cq;fsJ re;jpg;gpd; Neuk; kpf mUfpy ; ,Uf ;FkhW e Pq ;fNs NfSq;fs ; . e Pq ;fs ; ng hJthf re ; j p f ; Fk ; vj p u ; kiw gj py ; vd ; d ? “vdf;F ,tw;wpy; Mu;tkpy;iy” my;yJ “Vw;nfdNt epiwa nra;jhfptpl;lJ” my;yJ “rhup nuz;L khrk; fopr;R NgRq;f” . kPz;Lk; xd;iw epidtpy; itj;Jf; nfhs;Sq;fs;. ePq ;fs; miof;Fk; midtUk; cq;fSf;F re;jpf;f mDkjp nfhLj;J> ePq;fs; re;jpf;Fk; midtUk; ghyp]p vLj;jhy;> Kftu; midtUNk NfhB];tuu;fshf ngUk; trjpgilj;jtu;fshf ,Ug;ghu;fs;. ,t;thW vjpu;kiw gjpy; tUk; rkak; ePq;fs; k pfTk ; jd ;dk ; g pf ;ifNahL mNj rkak ; mtiu njhe;juTnra;ahkYk; Ngr Ntz;Lk;. ePq;fs; “rhu;> ehd; cq;fsplk; ghyp]p Nfl;L njhe;juT nra;a khl;Nld;. vq;fsplk; cs;s jpl;lq;fisAk; mjdhy; cq;fSf;F fpilf;Fk; gyd;fisAk; gw;wp tptupf;fpNwd;. cq;fSf;F tpUg ;gkpUe ;jhy; e Pq ;fs; KjyPL nra ;ayhk ; . my;yJ vg ;nghOJ tpUk ;Gfpw P u ;fNsh mg;NghJ ePq;fs; miof;Fk; rkak; ehd; cq;fSf;F Nrit nra;a fhj;j pUf;fpNwd;” vd;gJ Nghy Ngr Ntz;Lk ; . ehd ; NkNy nfhLj ;Js;s thf ;f paj ;ij kdg;ghlk; nra;J xg;gpf;f Ntz;lhk;. Vw;nfdNt $wpaJ Nghy> cq;fspd; ,ay;G khwhky; Ngr ;Rk ; ,Uf;f Ntz;Lk;. Fwpg;ghf cq;fsJ Ngr;rpy; nraw;ifj; jdk; ,Uf;ff;$lhJ mDkjpNfl;L tw;GWj;j Ntz;lhk;. nj hiyNgr pa py ; NgRtJ xU jd pf ; fiy . Vndd;why;> Ngrpf;nfhs;Sk; ,UtUk; xUtiu xUtu; ghu;f;f KbahJ. vdNt cq;fsJ Ngr;rpy; cq;fsJ czu;r;rpfis njuptpf;fNtz;Lk;. njhiyNgrp Ngr;rpy; cq;fs; czu;r;rpfis nfhz;L nry;Yk; fUtp cq;fs; FuYk; mjpy; cs;s Vw;wj ;jho ;Tk; jhd; . “ vdf;F jz;zPu; Ntz;Lk;” vd;gij vj;jid tpjkhf $wyhk;!? Ngr;rpy; jpwDilatu;fs;jhd; nray;jpwd; kpFe;j egu ; fistpl mj pf cauk ; nrd ;w pUf ;f pw h u ; fs ; . c j h uz j ; j p w ; F g y j i y t u ; f s ; m t u ; f s ; Ngr;Rj;jpwdpdhy;jhd; kf;fis ftu;e;J ,Oj;jhu;fs;.


kpf Kf;fpakhf ePq;fs; mZFk; rkaj;jpy; cq;fsJ ePq;fs; mZFk; rkaj;jpy; cq;fsJ ePq;fs; mZFk; rkaj;jpy; cq;fsJ ePq;fs; mZFk; rkaj;jpy; cq;fsJ jpl;lq;fisg;gw;wp tpsf;fhjPu;fs;. cq;fs; miog;gpd; jpl;lq;fisg;gw;wp tpsf;fhjPu;fs;. cq;fs; miog;gpd; jpl;lq;fisg;gw;wp tpsf;fhjPu;fs;. cq;fs; miog;gpd; jpl;lq;fisg;gw;wp tpsf;fhjPu;fs;. cq;fs; miog;gpd; Nehf;fk; re;jpf;f mDkjp thq;FtNj! tpw;gJ my;y!Nehf;fk; re;jpf;f mDkjp thq;FtNj! tpw;gJ my;y!Nehf;fk; re;jpf;f mDkjp thq;FtNj! tpw;gJ my;y!Nehf;fk; re;jpf;f mDkjp thq;FtNj! tpw;gJ my;y! mZFk; rkak; > ePq ;fs; trjpahf Xuplj;jpy; mku;e;J cq;fsJ ilupia jpwe;J itj;J> Ngdh Kjyp adtw;iw jahuhf itj;jgpd; miof;fTk;. mioj;jgpd; jfty;fis vOj NgdhitNah> ilupiaNah NjlhjPu;fs; mJ kWKidahsiu ntWg;gila nra;Ak;. mDkjp ngWk;NghJ> re;jpf;Fk; Njjp> Neuk;> ,lk; Mfpatw;iw Fwpj;Jf;nfhs;sTk;. rkaj;jpy; thbf;ifahsu;> xUthuk; fopj;J re;jpf;f $wpdhy;> xUehs; Kd;G re;jpf;Fk; Neuk; kw;Wk; ,lj;ij kPz;Lk; cWjpg;gLj;jpf;nfhs;Sq;fs;. ftdpf;f:ftdpf;f:ftdpf;f:ftdpf;f: ekf;F tho;f;ifapd; Kf;fpa vjpup ek;Kila jaf;fk;jhd;. cq;fSf;F njupe;j kw;Wk; cq;fSf;F njupe;jtupd; %yk; njupag;Nghfpw vtiuAk; mZfhky; tplhjPu;fs;. fhg;gPL xUtUf;F nfhLg;gjhy;> mtUf;Fk; mtUila FLk ;gj ;j pdUf ;Fk ; e Pq ;fs ; ed ;ikNa nra;fpwPu;fs; vd;gij xUNghJk; kwthjPu;. jaf;fNk ekJ kpfg ;ngupa gytPdk; . e Pq ;fs; Nfl;ftpy ;iynadpy ; ,e;j cyfj;jpy ; NtWahNuh mtuplk; Nfl;fg;Nghfpwhu;fs;. cq;fs; Kd;dhy; njupAk; ve;j xU tha;g;igAk; eOttpl;L tUe;jhjPu;. vd; cwtpdu; xUtUf;F ey;y Ntiy fpilj;jJ. mtu; vd;idtpl ,isatu;> ey;y ez;gu;. mtuplk; ehd; fhg ;g Pl ;L jpl ;lk ; gw ;w p Ngrtpy ;iy. VNdh vdf;F Njhd;wtpy;iy. rpykhjq;fs; fopj;Jjhd; ehd; fhg;gPl;L epWtdj;jpy; Ntiynra;tNj mtUf;F njupate;jJ. md;W ehd; mtu; tPl;bypUe;Njd;. mg;NghJ mtu; ehd; Ntiyghu;f;Fk; epWtdj;jpNy kw;nwhU Kftu; %yk; xU fzprkhd gpupkpaj;jpy; ghyp]p vLj;jpUe;jij fz;L jtiw czu;e;Njd;. mZFjypy; ty;Yduhf ePq;fs; jpde;NjhWk; 15 egu ;fsplkhtJ NgrNtz;Lk ; . mg ;NghJ mDgtk; n r hy ; y p f ; n f hLg ; gJ ,q ; F g h u ; j ; jijt p l gy klq;F ,Uf;Fk;.


ehk ; ,g ;nghOJ ru pahf mZfp > re ;j pj ;J NgRtjw;F mDkjp thq;fptpl;Nlhk;. Neubahf nrd;W ehk; re;jpg;Nghkh? ePq;fs; xU Kf;fpakhd Nju;Tf;F nry;fpw Pu ;fs; . Neubahf nrd;WtpLtPu ;fsh? my;yJ Nju;Tf;F jahuhfpagpd; nry;tPu;fsh? Mk;! thbf;ifahsiu re;jpg;gJk; xU gupl;ir khjpupjhd;. ,Jehs;tiu ePq;fs; gbj;jij> mwpe;jij ntspg;gLj;jp kjpg;ngz; thq;Fk; Kf;fpa fl;lk;jhd; re;jpg;G. mjw;F cq;fis jahu;nra;a Ntz;lhkh? vg ; gb xU mWitr pf pr ;ir e p Gzu ; > jdJ mWitrpfpr;iria Jtq;FKd; vy;yh tp\aq;fisAk; jahu;nra;J nfhs;fpwhu;? vg;gb xU tpkhdk; gwf;f Maj;jkhFk ; nghOJ tpkhdpAk ; > tpkhd epiya mjpfhupfSk; jahu ; nra;J nfhs;fpwhu ;fs;? vg;gb xU ,dlu;tpA+Tf;F Kd; xUegu; jahuhfpwhu;? mg;gbNa ekf;Fk; xt;nthU re;j pg ;g pd; Kd;dUk; jahuhjy; mtrpak;. jahuhjy py ; gy gbfs ; cs;sd. mtw ;iw xt;nthd;whf ehk; ghu;g;Nghk;. 1. jfty; Nrfupg;G:1. jfty; Nrfupg;G:1. jfty; Nrfupg;G:1. jfty; Nrfupg;G: thbf;ifahsuhfg;NghFk; egupd; midj;J Njitahd jfty;fisAk; Kd;djhfNt mwpe;jpUj;jy; mtrpak;. ek;khy; ve;j mstpw;F jfty; Nrfu pf ;f ,aYNkh mt;tsT jftiy Nrfu pf ;f Ntz;Lk;. mg;gb Nrfupj;jhy;> mtuplk; vd;d NgrNtzLk; vd;gij ePq;fs; Nfhu;itahf jahupj;J xU kdXl;l xj;jpif$l ghu;j;Jf;nfhs;syhk;. xj;jpif vd;gJ kpf mw;Gjkhd jd;dk;gpf;if jUk; gapw;rp. mtuJ taJ> FLk ;g mq ;fj ;j pdu ; t ptuk ; > njho py ; > tUkhdk ; > gpbj;jitfs;> gpbf;fhjitfs; ,JNghy; vJthdhYk; cgNahfkhd jfty;fNs. ePq;fs; Nrfupf;Fk; jfty; jtW Vw;glhky; ,Uf;fTk; cjTk;. ve;j xU jftYk; cq;fSf;F kpfTk; cjtpahf ,Uf;Fk;.


2 . r u p a hd j p l ; l q ; fisAk ; mjw ; f h d Mj h u 2 . r u p a hd j p l ; l q ; fisAk ; mjw ; f h d Mj h u 2 . r u p a hd j p l ; l q ; fisAk ; mjw ; f h d Mj h u 2 . r u p a hd j p l ; l q ; fisAk ; mjw ; f h d Mj h u gbtq;fisAk; vLj;Jf;nfhs;Sjy;: gbtq;fisAk; vLj;Jf;nfhs;Sjy;: gbtq;fisAk; vLj;Jf;nfhs;Sjy;: gbtq;fisAk; vLj;Jf;nfhs;Sjy;: re;jpg;gpw;F Kd; ekf;F mtiug;gw;wpa jfty;fs; fpilj;jpUg;gjhy; mtUf;Nfw;w jpl;lq;fis Nju;e;njLj;J mtw;iw kPz;Lk; xUKiw gbf ;fyhk ; . g pd ;du ; e Pq ;fs ; $wg ;NghFk; jftYf;fhd kw;Wk; jpl;lq;fSf;fhd Mjhuq;fisAk; vLj;J cq;fs; igapy; jahuhf itj;Jf;nfhs;syhk;. ,t;thW nra;tjhy;; fpilf;fg;NghFk; Neuj;ij ePq;fs; rupahf gad;gLj;j KbAk;. ekf;F fpilg;gNjh Fiwe;j N e uk ; j hd ; . mjw ; Fs ; e hk ; vt ; tsT r p w g ; g h f nray ;gLf pNwhk ; vd ;gij itj ;Jjhd ; r pwg ; ghd KbTfis vjpu;ghu;f;f KbAk;. cq;fSf;F rupahd jpl;lq;fis Nju;T nra;tjpy; Fog;gkpUe;jhy; Nkyjpfhup-fis Nfl;L njupe;Jnfhs;syhk;. mt;thW jpl;lq;fis jahupf;Fk; nghOJ thbf;ifahsiu jpUg;jpg;gLj;Jk; tpjkhd jpl ;lj ;ij tbtikAq ;fs ; . gy rhjid Kftu;fs; Nfhk;Ngh vdg;gLk; rpy jpl;lq;fis itj;J c Ut h f ; f p a $ l ; L j ; j p l ; l q ; f i s r p w g ; g h f thbf ; ifahsUf ; nfd ; N w cUthf ; f paJ Ng hy ; tbtikg;ghu;fs;. cjhuzj;jpw;F> xU FLk;gj;jpw;F A+ypg; my;yJ ghuk;gupa ghyp]p %yk; Nrkpg ;Gld; $ba fhg;gPl;Lj;jpl;lKk;> nkbf;isk; vDk; kUj;Jtf; fhg;gPL ghyp]pAk; Nru;e;J nfhLf;fyhk;. 3 . Ms ;ghj p Milghj p :3 . Ms ;ghj p Milghj p :3 . Ms ;ghj p Milghj p :3 . Ms ;ghj p Milghj p : e Pq ;fs ; thbf ;ifahsiu re ;j pf ;Fk ; Kjy; tpdhb> ey ;y kjpg ;ig ngWtJ Kf;fpaky;yth? cq;fSf;F vt;tsT jpwik> mDgtk; ,Ue;jhYk;> cq;fSila Njhw;wk; tpw;gidapy; Kjy; 10 kjpg;ngz;fis ngw;Wj; jUk;. ePq;fs; mzpAk; cil cq;fSf;Nfw;wjhfTk;> ghu;g;gtiu cWj;jhjjhfTk; ,Uj;jy; mtrpak;. Miliag;NghyNt ePq;fs; ifapy; itj;jpUf;Fk; nghUs;fSk; cq;fis gpujpgypf;Fk;. ifapy; ey;y juk; tha;e;j tpw;gidf;Fwpa igia itj;jpUq;fs;. jukhd Ngdh> jukhd vOJk; Nehl;L> fiyahj jiyKb Mf pad mtr pak ; . NkYk ; ve ;jtifapy ; vy ;yhk ; e Pq ;fs ; ed ;kj pg ;ig ngw epidf;fpw P u ;fNsh> mtw;iwnay;yhk; ftdpAq;fs; . Fwpg;ghf thbf;ifahsiu ntWg;gilar;nra;Ak; ve;jxU nghUisAk; nfhz;Lnry;yhjPu;fs;.


4. xj;j cjhuzq;fis epidT $Wq;fs;:4. xj;j cjhuzq;fis epidT $Wq;fs;:4. xj;j cjhuzq;fis epidT $Wq;fs;:4. xj;j cjhuzq;fis epidT $Wq;fs;: rupahd cjhuzq;fs; vg;nghOJk; tpw;gidf;F cjtpahf ,Uf;Fk;. Mdhy;> ehk; $Wk; cjhuzq;fspy; cz;ik ,Ug;gJ mtrpak; . ehk ; re;j pf ;fg ;NghFk; egiug;NghyNt NtNwNjDk; thbf;ifahsu; ekf;F cs;shuh?> mtUila gFjpapy; > cwtpdupy; > mNj njho py ; nra ;gtu ; ,g ;gb cq ;fs plk ; Vw ;nfdNt t h b f ; i f a h s u h f ( j p U g ; j p a h d ) e g u ; f i s cjhuzkhfNth> Nkw;NfhshfNth fhl;LtJ mtuplk; ek;gpf ;ifia Vw;gLj;Jk; . rpy Neuq;fspy; jtwhd cjhuzq;fshy; tpw;gid jilgl;lJk; cs;sd. vdNt rupahd cjhuzq;fis epidtpy; itj;J Njitg;gLk; NghJ mtw;iw cgNahfpf ;fyhk ; . cjhuzj;j pw ;F Vw;nfdNt ghyp]p je;J jw;NghJ ey;y yhgepiyapy; ,Uf;Fk; xU ghyp]papd; jw;Nghja epjpepiy gpujpia fhz;gpg;gJ tpw;gidf;F cjtpnra;Aky;yth? rupahd cjhuzq;fis Nju;e;njLf;Fk; fiyia ekJ mDgtk;jhd; fw;Wf;nfhLf;Fk;. 5. re;jpg;gpw;F rpy nehbfSf;F Kd;: re;jpg;gpw;F rpy nehbfSf;F Kd;: re;jpg;gpw;F rpy nehbfSf;F Kd;: re;jpg;gpw;F rpy nehbfSf;F Kd;: thbf;;ifahsu; Fw p g ; g p l ; l ,lj ; j pw ;F 10 e pk p lk ; Kd ;djhfNt nrd;WtplNtz;Lk;. mJ cq;fs; filrpepkpl gjw;wj;ij mfw;Wk;. gjw;wk; ekJ tpw;gid ciuahlypd; jpwid ntFthf Fiwj;JtpLk;. ,g;NghJ ePq;fs; thbf;ifahsu; ,lj;jpw;F te;Jtpl;Bu;fs;. ePq;fs; nra;aNtz;bad: mtUf;F fhz;gpf;fNtz;ba nghUs;fis xOq;FgLj;jp ifapy; my;yJ igapy; vspjhf vLf;FkhW mtUila mYtyfk; my;yJ tPl ;bw ;F Eiotjw;F Kd;dNu ifapy; vLj;J itj;Jf;nfhs;Sq;fs;. ,J mtu;Kd; ePq;fs; xU nehb$l tPzhf;fhky; ciuahliy Jtq;f cjTk ; . cq ; fsJ t p r p b q ; f h u ; i l ifa p y ; itj;Jf;nfhs;Sq;fs;. mtUf;F Kd;dhy; gu;rpypUe;Njh> igapypUe;Njh vLg;gijtpl ifapy; itj;jpUg;gNj rpwe;jJ. cq;fsJ ifNgrpia midj;jpLq;fs;. “ ePq;fs; ePq;fs; ePq;fs; ePq;fs; ,Ug ;gJ mtUila ,lk ; . e Pq ;fs ; nryto pg ; gJ ,Ug ;gJ mtUila ,lk ; . e Pq ;fs ; nryto pg ; gJ ,Ug ;gJ mtUila ,lk ; . e Pq ;fs ; nryto pg ; gJ ,Ug ;gJ mtUila ,lk ; . e Pq ;fs ; nryto pg ; gJ mtUila Neuk;. mjdhy; mtUf;F njhe;juT nra;Ak; mtUila Neuk;. mjdhy; mtUf;F njhe;juT nra;Ak; mtUila Neuk;. mjdhy; mtUf;F njhe;juT nra;Ak; mtUila Neuk;. mjdhy; mtUf;F njhe;juT nra;Ak; ve;j xU nraiyAk; nra;aNtz;lhk;ve;j xU nraiyAk; nra;aNtz;lhk;ve;j xU nraiyAk; nra;aNtz;lhk;ve;j xU nraiyAk; nra;aNtz;lhk;” ....


Mq;fpyj;jpy; ,jw;F Fact Finding vd;W $Wthu;fs;. cz;ikawpjy; vd;gJ> thbf;ifahsu; gw;wp ekf;F Njitahd jfty;fis Nrfupg;gJ MFk;. ekf;F Njitahd jfty;fs; vd;gJ ek;Kila tpahghuj;jpw;F cjTk ; my ; yJ g hj p f ; Fk ; jfty ; fs ; MFk ; . cjhuzj;jpw;F> thbf;ifahsupd; jw;Nghija nghUsh-jhu epiy> cly; MNuhf;fpak;> taJ> mtuJ tho;f;ifj; Jizapd; taJ> Foe;ijfs; taJ> khj tUkhdk;> fhg;gPL kw;Wk; Nrkpg;Gfs; Mfpad MFk;. ,j ; j fty ; fs ; e kf ; F > t h bf ; ifa hsi u mZFtjw;F Kd;du; njupe;jpUe;jhy; ey;yJ. mt;thW njupahjNghJ> ehk; Neu;fhZk; re;jpg;gpd; NghJ Nfl;L njupe;Jnfhs;syhk;. ,j;jifa jfty;fs; %yk; ekf;F t hbf ; ifa hs u pd ; jd ; ik > jw ; N g h ja Njit > vjpu;fhyj;Njit kw;Wk; mtupd; jFjp Mfpad Gyg;gLk;. ,e;j jfty;fs; ek;kplk; ,Ue;jhy;jhd;> ehk; mtUf;F trj pahd> mtUf ;F Njitahd kw ;Wk ; mtuhy ; kdKte;J Vw;Wf;nfhs;sf;$ba jpl;lq;fisAk; ghyp]p iaAk; gupe;Jiuf;f KbAk;. ,e;j cz;ikawpjy;> ehk; NgRk; rkaj;jpy; $l epfOk; . mjhtJ ehk ; thbf;ifahsiug ;gw ;w p xU epiyg;ghLld; Ngrj;Jtq;Fk; NghJ> mtiug;gw;wp ehk; e pidj ;jJ jtwhf ,Uf ;fyhk ; . ,r ; rkak ; > ehk ; Ngrpf;nfhz;Nl ftdpj;jhy; cz;ik epytuk; mwpayhk;. cz;ikaw pjYf ;F ftdKk ; > Fw p g ; gw pe ;J njupe;Jnfhs;SjYk; mtrpak;. mjhtJ thbf;ifahsu; Fwpg ;g pLk ; jfty;fs; mbg ;gilapYk; > mq;F ehk ; ftd p g ; g ij itj ; Jk ; mw p e ; J n f hs ; sy h k ; . cjhuzj ;j pw ;F xU thbf ;ifahsu ; ghu ; g ; gjw ;F trjpahdtuhf njup ayhk;. Mdhy;> mtu; fld; Rikap-Ny h my ; yJ tUk hdk ; jilg ; g l ; l e p iya p -Nyh ,Uf;fyhk;.


,e;j cz;ik epytuk; njupahky; ehk; NgRk; NghJ> ekJ Ngr ;R thbf ;ifahsiu ntWg;gila nra;ayhk; my;yJ ek;Kila Ngr;R tPzhfyhk;. ,jid jtpu;f;f ehk; cz;ikawpe;J NgrNtz;Lk;. rpy Neuk; ehk; cz;ikawpahky; NgRk; rkak;> ekf;F jFjpf;F Fiwthd gpupkpak; fpilf;fTk; tha;g;Gz;L. cz;ikawpjypy; ,Utif cz;L. 1. gpwu; %yk; cz;ikawpjy;. 2. Neu;fhzy; rkak; cz;ikawpjy;. gpwu;%yk; cz;ikawpjypy;> thbf;ifahsupd; trjp> FLk;g mq;fj;jpdu;> Nrkpg;G kw;Wk; fhg;gPl;L jpl;lq;fspd; kPJ mtuJ tpUg;G ntWg;G> jw;Nghja nghUshjhu epiy> mtuJ cly; eyk; kw;Wk; mtuJ KbntLf;Fk; rkak; mtu; fye;jhNyhrpf;Fk; egu; Mfpadtw;iw njupe;J nfhs;syhk;. ,j;jid jfty;fSk; midj;J thbf;ifahsUf;Fk; Kf;fpaky;y. Mdhy; njupe;jhy; ehk; kpf njspthf nray;glyhk;. Neu;fhzy; rkak; mtUf;F tpUg;gkhdit> mtupd; kdepiy kw;Wk; mtUila vjpu ;ghu ;g ;G Mfpatw ;iw mwpayhk ; . Neu ;fhzypy ; mtUld; ciuahLk; NghJ ehk; rpy cz;ikfis fz;lwpayhk;. cjhuzj;jpw;F thbf;ifahsu; tq;fp> jghy; KjyPl ;L jpl ;lq ;fspy; mjpf msT KjyPL nra;jpUf;fpwhu; vd;why;> mtu; ghJfhg;G mk;rk; gw;wp mjpf <LghL cilatuhf ,Uf;fpwhu; vd;W A+fpf;fyhk;. cz;ikawpjypy ; ehk ; ,Jtiu ghu ;j ;jit vy;yhk; ehk; ve;j jpl;lj;ij vt;thW gupe;Jiuf;f Ntz;Lk; vd;gij jPu ;khdpf ;fj ;jhd; . Mdhy; NtW rpytw;iwAk; ehk ; mwpaNtz;Lk ; . cjhuzj;jpw ;F thbf;ifahsu ; VjhtJ vjpu ;g ;G my;yJ re;Njfk ; njuptpj;jhy;> ehk; mJ cz;ikahd re;Njfkh? my;yJ ek ;ik tpyf ;Ftjw ;fhf mtu ; me ;j re ; Njfj ;ij vOg;Gfpwhuh? vd;gijAk; ehk; Gupe;J nfhs;sNtz;Lk;. ,t;thW cz;ikawpjy; %yk; ehk; rupahd Nfhzj;jpy; mZfTk;> ekJ Neuk; tPzhfhky; jtpu;f;fTk; ,aYk;. $u;e;J ftdpAq;fs;:$u;e;J ftdpAq;fs;:$u;e;J ftdpAq;fs;:$u;e;J ftdpAq;fs;: ey ; y t p w ; g i d t p s f ; f k ; v d ; g J e P q ; fSk ; t h bf ; ifa hsUk ; N g r ; r p y ; gq ; N fw ; gJ MFk ; . ,t ;thW ,UtUk ; Ngr pdhy ;jhd ; kiwe ;j pUf ;Fk ; tp\aq;fs; ntsptUk;. mg;NghJjhd; ePq;fs; cz;ikia


mwpa KbAk;. ehk; Muk;gpj;J rpy khjq;fs; fopj;J mjpfkhd re;jpg;Gfs; njupahj egu;fsplk; njupe;jtu; r pghu pR %yNk epfOk ; . mg ;NghJ> ehk ; mwpKfk; nra;Jitj;j egu; $wpa jfty;fis kl;LNk KO ikahf ek;gp tpsf;FNthk;. Mdhy; cz;ikepiy NtWkhjpupahf ,Ue;jhy;> ehk ; thbf;ifahsu; tpUg;gj;jpw ;F Vw;w jpl;lj;ij gupe;Jiu nra;a ,ayhJ. cjhuzj;jpw;F> nrd;idapy; xU jdpahu; epWtdj;jpy; Ntiy nra;Ak; eguplk; vdJ KftUld; nrd;wpUe;Njd;. vdJ Kftu; mspj;j jftypd;gb mtu; khjk; &30000 rk;ghjpf;fyhk; vd;Wk;> mtu; tPl;L flDf;F khjk; re;jh nrYj;Jtjhy; jw;NghJ mjpf gpupkpaj;jpw;F cld;gl khl;lhu ; vd;Wk; njupe ;jJ. thbf;ifahsiu Neupy; ghu;j;jNghJk; mt;thNw Njhd;wpaJ. mtuplk; rpy kiwKf cz;ikfhZk; Nfs;tpfis Nfl;lNghJ Mr;rupakhf ,Ue;jJ. mtUila Mz;L tUkhdk; Rkhu; 10 yl;rq;fs; tiu. NkYk; mtu; tPl;Lf; fld; re;jhitj;jtpu NtNwJk; flNdh> khjhe;jpu Nrkpg ;Ngh ,y;iy. mtu ; tpiutpy; tPl ;Lf; flid Kbj;Jtpl;L NtnwhU tPL fl;Lk; vz;zj;jpy; ,Ue;jhu;. ,J njupe;jJk; ehd; tUlk; &2 yl;rk; gpupkpak; 10 tUlq ;fSf ;F fl ;b > 10 tUlq ;fSf ;F g pwF Kjpu;itAk;> ,ilg;gl;l fhyj;jpy; mtUf;F fpilf;Fk; ghJfhg;ig gw;wpAk; tpsf;fpNdd;. NkYk; mtuJ tPl;Lf; flid rupfl;Lk; xU ghyp]piaAk; gupe;Jiu nra;Njd;. ,e;j 10 tUl Kbtpy; tUk; gzk;> mtuJ kfspd; fy;tpf;F cjTk; vd;Wk; $wpNdd;. mtu ; clNd kWg ; NgJk ; ,d ;w p fhNrhiy toq;fpdhu;. Mdhy; ekJ Kftu; ,e;j cz;ik epytuk; njupahky; fle;j xUkhjkhf njhiyNgrpapy; tUlk; &15000 gpupkpak; fl;Lk; ghyp]piag; gw;wpAk; mjd; gad;fs; gw;wpAk; $wpte;Js;shu;. me;j tUkhd epiy a py pUg ; gtUf ;F ,e ;j r pw pa j pl ; lk ; Mu ;tj ;ij cz;lhf;ftpy;iy. vdNtjhd; Neu;fhziy js;spg;Nghl;L te ; Js ; s h u ; . e hd ; mZFjy py ; $w p aJ Ng hy Neu;fhzYf;FKd; jpl;lj;ij tpsf;FtJ jtWjhNd?


1. Nkw;fz;l epfo;tpd; %yk; ekf;F njuptJ vd;d?

thbf;ifahsUf;F jpl;lj;ij gupe;Jiu nra;tjw;F Kd; mtuplk; Njitahd tpguq;fis Neub kw;Wk; kiwKf Nfs ; t p fs ; %yk ; N f l ; L mw p e ; J nfhs;Sq;fs;.

2. $batiu thbf;ifahsiu ciuahlypy; gq;Fngwr; nra;Aq;fs; . mtu; ciuahlypy; xj;Jiog;gij itj;Nj tpUg;gj;ij njupe;J nfhs;syhk;.

Nfs;tp Nfl;Fk; xOf;fKiw:Nfs;tp Nfl;Fk; xOf;fKiw:Nfs;tp Nfl;Fk; xOf;fKiw:Nfs;tp Nfl;Fk; xOf;fKiw: Nfs;tpfs; Nfl;gjpy; vd;d xOf;fKiw vd;W e P q ; fs ; e pidf ; fyhk ; . ng hJthf gyu ; Nfs ;t p Nfl;fg;gLtij tpUk;g khl;lhu;fs;. vdNt> Nfs;tpfis kpfTk; eh#f;fhf Nfl;f Ntz;Lk;. ,jdhy;jhd; Neub Nfs;tp kw;Wk; kiwKf Nfs;tpfs; vd;Nwd;. thbf;ifahsuplk; Nfs;tpfs; Nfl;Fk; Kd;du; vjw;fhf ,e;j jfty;fis Nrfupf;fpwPu;fs;? kw;Wk; ,jd; %yk; vt;thW thbf;ifahsu;fSf;F cjtg;NghfpwPu;fs; vd;gij Nfs;tp Nfl;Fk; Kd;dNu $wp mDkjp thq;fp gpd;du; Nfs;tp Nfl;gJ ey;yJ. cjhuzj;jpw;F xU thbf;fifahsupk;> ‘rhu;> ehd; cq;fSf;nfd;Nw tbtikj;jJ Nghy; xU jpl;lj;jpid tbtikf;fyhk;. ePq;fs; rpy jfty;fs; je;J cjtpdhy;> ehd; kpfTk; nghUj;jkhd> cq;fSf;F vspjhd jpl;lk; xd;iw tbtikf;f KbAk;. vdNt ePq;fs; vdf;F rpy jty ; fs ; je ;J cjt Kbakh r h u ; ? ’ vd ; gij cq;fSf;F Vw;wkhjpup khw;wp Nfl;L gpd;du; Nfs;tp Nfl;fyhk;. Nfs;tpfis Nfl;Fk; NghJ> njspthf Nfl;fTk;. xt;nthU Nfs;tpf;fhd gjpiy thbf;ifshau; $Wk; NghJk; ed;wp njuptpj;Jtpl;L mij cq;fsJ gjpT my;yJ Nehl;by; Fwpj;JtpLq;fs;. mg;NghJjhd; ePq;fs; VNjhnra;ag;NghfpwPu;fs; vd;gJ thbf;ifahsUf;F GupAk;. mtUk; ciuahlypy; gq;FngWthu;. thbf;ifahsUf;F tpUg;gk; ,Uf;fpwJ vd;gJ mtu; gjpypYk;> Kfj;jpYk; ed;F njupAk;. mg;gb xj;Jiog;G ,Ug;gpd; mLj;jLj;j Nfs;tpfis nkd;ikahf NfSq;fs;. xj;Jiog;G ,y;iy vd;why;> jtpu;j;JtpLq;fs;. tw;GWj;jhjPu;fs;.


Neub Nfs;tpfs; kw;Wk; Nfl;Fk; Kiw:Neub Nfs;tpfs; kw;Wk; Nfl;Fk; Kiw:Neub Nfs;tpfs; kw;Wk; Nfl;Fk; Kiw:Neub Nfs;tpfs; kw;Wk; Nfl;Fk; Kiw: rpy nghJthd tp\aq;fis Neubahf Nfl;fyhk;. cjhuzj;jpw;F taJ> gpwe;j Njjp> ngw;Nwhu; taJ> kidtp kw;Wk; Foe;ijfspd; taJ Mfpatw;iw Neub Nfs;tpfshf Nfl;fyhk;. Mdhy; tupirahf Nfs;tpfis mLf;fpf; nfhz;Nl Nghfhky; xUrpy gjpYf;Fg; gpd; rpwpa ghuhl;Lf;fis $wp gpd; Nfl;gJ thbf;ifahsiu kpfTk; Mde;jg;gLj;Jk;. cjhuzj;jpw;F> ehd; xUKiw xU ngupa njhopy; mj p g u p lk ; vdJ Kftu ; kw ; Wk ; mj p f h u p Ald ; nrd;wpUe;Njd;. mg;NghJ> mtuplk; Nkw;$wpa jfty;fis ehNd Nrfupj;Njd;. mtUila xNu kfspd; ngaiu Nfl;fjw ;F mtu ; “ u pjk ; =“ vd;whu ; . ehd; clNd mtuplk;> rhu; ,e;j ngaupy; xU Mr;rupak; ,Uf;fpwJ vd;Nwd;. mtUk; MtNyhL vd;dntd;W tpdtpdhu; . mjw;F ehd; “upjk;” vd;w Mq;fpy thu;j;ijapy; Mq;fpy ca p n u O j ; J f ; f s ; v J T k ; , y ; i y v d ; W k ; > Mq ; f pyj ; j p NyNa ca pn uOj ;J ,y ;yhj ng u pa thu ;j ;ij ,Jjhd; vd;Wk ; $wpNdd; . g pwF me;j Neu;fhzy; vg;gb Kbe;jpUf;Fk; vd;W ePq;fNs $Wq;fs;. ,J ,aw;ifahf epfo Ntz;Lk;. nraw;if njupa njupa thbf;ifahsu; tpyfj;jhd; epidg;ghu;. Nfs;tpfis Nfl;Fk; NghJ vOjpf;nfhz;Nl mtu; Kfj;ijg; ghu;j;J NfSq;fs;. Neub Nfs;tpfs; %yk; cq;fSf;F njupa Ntz;bad> gpwe;j Njjp> FLk;gj;jpdu; jfty;fs;> Nrkpg;G gw;wpa tptuq;fs; MfpaitahFk;. kiwKf Nfs;tp kw;Wk; Nfl;Fk; Kiw:kiwKf Nfs;tp kw;Wk; Nfl;Fk; Kiw:kiwKf Nfs;tp kw;Wk; Nfl;Fk; Kiw:kiwKf Nfs;tp kw;Wk; Nfl;Fk; Kiw: thbf;ifahsiu njhe;juT nra;Ak; my;yJ ntWg;gilar; nra;Ak; ve;jxU Nfs;tpfisAk; ehk; kiwKfkhfj;jhd; Nfl;f Ntz;Lk;. cjhuzj;jpw;F fld; gw ;w pa tpguq;fis kpfTk; jho ;e ;j Fuypy ; Nfl;f Ntz;Lk;. cly; epiy gw;wpa Nfs;tpfis> nrhe;j tPlh thlif tPlh Nghd;w Nfs;tpfis kiwKfkhfj;jhd; Nfl;f Ntz;Lk;. cjhuzj;jpw;F> mtuJ ngw;Nwhu; capUld; ,Uf;fpwhuh vd ; gij mg ; gbNa ‘ capUld ; ,Uf ;f pw h u ; fsh? ’ Nfl;ff;$lhJ. khwhf> ‘cq;fs; je;ijf;F ,g;NghJ


v t ; t s T t a j h f p w J v d ; W k ; > $ l N t eykhf ,Ug;ghnud;W epidf;fpNwd; vd;W kiwKfkhf Nfl;lhy;> ,we;Jtpl;lhy; ,we;Jtpl;lhu; vd;W $Wthu; ; mg;gb ,y;yhky; Neupilahf> ‘cq;fs; mg;gh capUld; ,Uf;fpwhuh?’ vd;nwy;yhk; Nfl;LtplhjPu;. t h b f ; i f a h s u p l k ; m t U f ; F v d ; d tpahjp ,Uf;fpwJ vd;W Nfl;fhky;> “ePq;fs; ,g;NghJ vjw ; f hfthtJ kUj ;Jtiu njhlu ; e ;J g h u ; j ; J tUfpwPu;fsh?’ vd;W Nfl;fyhNk! ,e;j Nfs;tp ePq;fs; tpz;zg;gj ;ij g+u ;j ;jp nra;ifapy; Nfl;fNtz;ba Nfs;tp. NkYk;> mUfpy; thbf;ifahsupd; ez;gu;fNsh> cwtpdu;fNsh my;yJ Ntw;Wkdpju;fNsh ,Ue;jhy;> cq;fsJ Nfs;tpfs; eh#f;fhfNt ,Uf;fl;Lk;.

Nfs;tpfs; rhJu;akhf Nfl;fg;glNtz;Lk;.Nfs;tpfs; rhJu;akhf Nfl;fg;glNtz;Lk;.Nfs;tpfs; rhJu;akhf Nfl;fg;glNtz;Lk;.Nfs;tpfs; rhJu;akhf Nfl;fg;glNtz;Lk;.

cz;ikawpjYf;fhd jfty;fis re;jpg;gpw;F Kd;dNu vt;tsT njupe;J nfhs;sNtz;LNkh mt;tsT njupe;Jnfhs;Sq;fs;. Neu;fz;L tpsf;fy; vd;gJ kpf mupjhd Neuk ; . mg ;nghOJ Neuj ;ij kpfr ;ru pahf cgNahfpf;f Ntz;Lk;. ehk; ngUk;ghYk; njupe;jtiuNah my;yJ mtUf;Fj; njupe;jtupd; rpghupRlNdh kl;LNk mZFNthk;. vdNt> $Lkhdtiu jfty;fis Kd;dNu Nrfu pj ;J nry ;tJ ed ;W . NkYk; > mtiug ;gw ;w pa jfty ;fs ; cq ;fSf ;F Kd;dNk nju pe ; j pUg ; gJ thbf ;ifahsu plk ; NgRtj py ; cq ;fSf ;F cs;s <Lghl;il fhl;Lk;. ,JTk; cq;fSf;F rhjfkhf mik Ak;. ,t;thW Ntz;ba jfty;fs; cq;fSf;F Kd;dNu njupe;jpUe;jhy;> ePq;fs; vd;d Ngrg;NghfpwPu;fs; vd;gJk; Kd;du; njupe;jpUf;Fk;. ,jdhy; tpsf;fpf; $wy; kpfTk; rpwg;ghf mikAk;. ,d;wa Nghl;bepiwe;j cyfpy;> Gj;jprhypfSf;F kl;LNk ghuhl;L fpilf;Fk;. Gj;jprhypfs; vg;NghJk; jq;fis jahu; epiyapy; itj;Jf;nfhz;Ljhd; ve;j nraiyAk; njhlq;Fthu;fs;.


Mq;fpyj;jpy; ,ij Presention vd;W $Wthu;fs;. ,g;nghOJ ePq;fs; thbf;ifahsu; Kd;dhy; ,Uf;fpwPu;fs;. mjhtJ gupl;ir miwapy; cq;fs; Kd; tpdhj;jhSk; tpilj;jhSk; cs;sJ. cq;fsJ Neuk; Jtq;fptpl;lJ… ePq;fs; vd;d nra;aNtz;Lk;? xt;nthU epkplj;ijAk; gaDs;sjhf khw;wNtz;Lky;yth? Jtf;fk;:Jtf;fk;:Jtf;fk;:Jtf;fk;: e Pq ;fs ; Vw ;nfdNt mDkjp ngw ;w pUg ;gjhy ; cq;fisg;NghyNt thbf;ifahsUk; jahuhf cs;shu; vd;W epidf;f Ntz;lhk;. kPz;Lk; cq;fis mwpKfk; n r a ; J n f h s ; S q ; f s ; . c q ; f s J t p r p b q ; f h u ; i l ,Ui ffs hYk ; t o q ; F q ; f s ; . e d ; F njupe;jtnud;why; rpy kzpj;Jspfs; eyk; tprhup Aq;fs; cldbahf tpsf;f Jtq;f Ntz;lhk; . epjhdkhf> jw ;NghJ Ngryhkh? vd;W k Pz;Lk ; mDkjpngw ;W Jtq;Fq;fs;. ,ij tpLj;J cs;Ns nrd;wJk; cq;fs; ciuahliy Jtq;FtJ ey;yjy;y. ePq;fs; re;jpf;Fk; egu; NtnwhUtu; %yk; mwpKfkhdtuhdhy;> cq;fSf;F mwpKfk ; nra ;Jitj;jtiug ;gw ;w pAk ; > mtUf;Fk ; cq;fSf;Fk ; cs;s el;ig my;yJ njhlu ;igAk; $Wq;fs; . ,J ey;y #oiy cUthf;Fk ; . gpd ;du ; cq;fsJ ,e;j re;jpg;gpw;fhd fhuzj;ij RUf;fkhf $Wq;fs;. “ehk; ,g;nghOJ vq;fs; epWtdj;jpYs;s rpwe;j MAs;fhg;gPl;L jpl;lq;fisg;gw;wp rpy epkplq;fs; ciuahlg;NghfpNwhk;” vd;gij cq;fs; ghzpapy; $Wq;fs;. ,J mtUila kdij NkYk; jahuhf;Fk; KiwahFk;. cjhuzj;jpw;F> ‘ rhu; ehk ,g;Ngh cq;fSf;F cjtpnra;Ak; ghyp]pgw;wp Ngryhkh?’ vd;W Nfl;Ltpl;L mtu; mDkjp mspj;jgpd; Ngrj;Jtq;fyhNk?. rpy Neuk; thbf;ifahsu; cq;fis Ngrr; nrhy;yptpl;L Ntnwq;Nfh ftdpf;fyhk;. me;j Neuk; Ngr;ir epWj;jptpl;L mtuJ ftdk; tUk; tiu fhj;jpUf;fTk;.


rpy thbf;ifahsu; ‘guthy;y rhu; ePq;fghl;Lf;f nrhy;Yq;f’ vd;W $wyhk;. mg;NghJ gzpthf> ‘rhu;> ePq;f ,g;g gp]pah ,Uf;fPq;fd;D epidf;fpNwd;. ehd; nfhQ;r Neuk; Ntdh ntapl; gd;Nwd;’ vd;W $wyhk;. tpsf;fp$wy;:tpsf;fp$wy;:tpsf;fp$wy;:tpsf;fp$wy;: ,g;NghJjhd; ehk; Kf;fpa fl;lj;jpy; ,Uf;fpNwhk;. ek;Kila tpsf;Fk; jpwk; ,g;nghOJ ntspg;gLk;. Kjypy; cq;fs; epWtdk;gw;wp mwpKfk; R U f ; f k h f n f h L q ; f s ; . g p d ; d u ; cldba h f jpl;lj;ijg;gw;wp $WtJ xU top. Mdhy; ,q;F ehd; gupe ;Jiuf ;Fk ; Kiw rw ;W tpj ;j pahrkhdJ. ,ij ifahs> gapw;rpAk; topfhl;LjYk; Ntz;Lk;. vg;nghOJk; ek;Kila Ngr;rpy; capu; ,Uf;f Ntz;Lk;. Nfl;gtu; xUtu ; > NgRgtu ; kw ; nwhUtu ; vd ;w pUe ;j hy ; mJ nrhw;nghopT MFk;. ,UtUk; Ngrpf;nfhz;lhy; mJ ciuahly; MFk;. vdNt xg;Gtpg;gij jtpu;f;fTk;. ek;Kila Nehf;fk; ek;kplkpUf;Fk; jpl;lq;fspy; xd;iw thbf ;ifahsu ; jiyapy ; fl ;LtJ my;y. thbf; ;ifahsUila jw;Nghija trjpf;Fk;> vjpu;fhy nghUshjhu Njitf;Fk;> mtUila FLk;gj;jpdUila nghUshjhu ghJfhg ;g pw ;Fk ; Vw ;w xU jpl ;lj ;ij cUthf;FtNj MFk; . mjhtJ xU ghyp]p vd;gJ gy;NtW trjpfSila xU %yg;nghUs;. mij ehk; ekf;F Njitahd tbtj;jpy; cUthf;fpf;nfhs;syhk; vd;gij kwe;JtplhjPu;fs;. cjhuzj;jpw;F xUtUf;F jpUkzkhfp xU ngz;Foe;ij ,Ue;jhy; > mtUf;F vjpu;fhyj;jpy; gzk; Njitg;gLtJ %d;W flikf;fhf. xd;W mtuJ kfspd; Nkw;gbg;gpw;F. ,uz;lhtJ kfspd; jpUkzj;jpw;F. %d;whtJ mtuJ Xa;Tfhyj;jpw;F. ,e;j %d;W NjitfSf;Fk; Kjpu;T fpilf;FkhWk;> mtUf;F vjpu;ghuhj kuzk; epfo;ifapy;> mtuJ kidtp kw;Wk; kfspd; md;whl nrytpw;Fk;> kfspd; fy;tp jpUkzk; kw;Wk; kidtpapd; Xa;Tfhyj;jpw ;fhd gzj;Njit Mfpatw;iwAk; G+u ;j;jp nra;Ak; xU jpl;lj;ij ehk; gu p e ;Jiug ; gNj ekJ flik. mij t pLj ;J ek ; epWtdj;jpYs;s xU ghyp]papd; ngaiu nrhy;yp mij ngw Njitahd taJtuk;G> gpupkpa tuk;G> Mfpait Kf;fpaky;y. ePq ;fs; jpl;lj;ijg;gw;wp ghlk; elj;j nry;ytpy;iy.


Kd;dhy; nrhd;dJNghy;> thbf;ifahsu; ftdpf;f tpy;iynad;why;> ePq;fs; vd;d nrhd;dhYk; tPzhfj;jhd; NghFk;. vdNt> ePq;fs; thbf;ifahsiu ciuahlypy; gq;Fngwr;nra;Aq;fs;. mjhtJ ePq;fs; gupe;Jiuf;ifapy;> xt;nthU gbapYk; mtupd; xg;Gjiyg;ngw;W mLj;j gbf;F nry;Yq;fs;. NkYk; mtuplk; fUj;ij NfSq;fs;. ,e ;j ,uz;L KiwfspYk ; mtiu ciuahly py ; gq;Fngwr;nra;ayhk;. cq;fSf;F Ntz;ba jfty;fis mtuplk; NfSq;fs;. cjhuzj;jpw;F “cq;fs; gpwe;j Njjp vd;d rhu;?” “cq;fsJ kfspd; gpwe;e Njjp vd;d rhu ; ? ” “ cq;fs ; kidtpa pd ; g pwe ;j Njj p vd ;d rhu;?” (Nfs;tpfis mLf;fpf;nfhz;Nl nry;yhjPu;fs;. xt;nthUNfs;tpAk; gzpTld; mNjrkak; tprhupg;gJ Nghy ,y;yhkYk; ,Uf;f Ntz;Lk;) ,q;F ehd; taij Nfl;fhky; gpwe;j Njjpia Nfl;gjpy; xU mu;j ;jk; cs;sJ. mtu; $Wk; xt;nthU jftYk; cq;fSf;F cjTk;. x U K i w e h d ; v d J K f t U l d ; x U njhopyjpgiu re;jpf;f nrd;wpUe;Njd;. ,t;thW mtuJ FLk;g egu ;fspd; gpwe;j Njjpia Nfl;Fk;nghOJ> ehq;fs; re;jpj; ;j kWehs; mtuJ kfdpd; gpwe;jehs;. ehq;fs; ciuahliy Kbj;J kWthuk; re;j pf ;Fk; xg;Gjypy; Gwg;gl;Nlhk;. Mdhy; kWehs; ehDk;> KftUk; fhiy 7 kzpf;F xU ey;y gupRld; mtuJ tPl;bw;F n r d ; w p U e ; N j h k ; . midtU k ; m g ; N g h J j h d ; vOe;jpUe;jhu;fs;. me;j Neuj;jpy; ehq;fs; gpwe;jehs; gupRld; tPl;Ls; nrd;wJk; me;j egUf;F Mr;rupak;. vg;gb vq;fSf;F njupAk; vd;whu;. ehq;fs; cz;ikia $wp mtu; kfDf;F guprspj;Njhk;. mJjhd; mtDf;F md;wa Kjy; gupR. thbf;ifahsUk; mtuJ kidtpAk; vq;fis ed;F cgrupj;jhu;fs;. mg;NghNj ehd; mtuplk;> mtuJ kfdpd ; cau ;fy ;t pf ;fhd xU j pl ; lj ;ij g p w e ; j e h s ; g u p r h f t o q ; F k h W n k J t h f Nfl;Lf;nfhz;Nld;. clNd mtu; rk;kjpj;J fhNrhiyia kfpo;Tld; je;jhu;.

rpW JUk;Gk; gy;Fj;j cjTk;.rpW JUk;Gk; gy;Fj;j cjTk;.rpW JUk;Gk; gy;Fj;j cjTk;.rpW JUk;Gk; gy;Fj;j cjTk;.


thbf;ifahsupd; tUkhdk;> FLk;gj;jpdu; taJ> jw;NghJ mtupd; nkhj;j fld; kjpg;G kw;Wk; nrhj;J kjpg;G Mfpadtw;iw mtiu njhe;juT nra;ahkYk;> ntWg;gilar;nra;ahkYk; nkd;ikahd Nfs;tpfshy; NrfupAq;fs;. ,g;NghJ cq;fsplk;> jpl;lq;fs; cs;sd. mtupd; j f t i y f ; n f h z ; L N j i t i a e P q ; f s ; fzf;fpl;lhy;> ,g;nghOJ rupahd jpl;lj;ij ePq;fs; jahupf;fyhk;. Vd; ehk ; ek ;k plk pUf ;Fk ; VjhtJ xU jpl;lj;ij tpsf;fhky;> jpl;lj;ij jahupf;f Ntz;Lk;? fhg;g Pl ;L jpl;lq;fs; ehk; Kd;$wpaijg;Nghy mtuJ Njitfis G+u;j;jpnra;tdthf ,Uf;f Ntz;Lk;. ek;Kila jpl;lj;jpy; VNjDk; xd;Nwh my;yJ XupU g hy p] p fs pd ; fyitNa h mtu pd ; Njitfis G+u;j;jpnra;ayhk;. cjhuzj;jpw;F> MAs;fhg;gPL vd;gJ> nrhe;jkhf xU tPLfl;LtJ Nghy MFk;. 1000 rJu mb epyj ;j py ; fl;lg ;gLk; tPL> trjpf ;Fk; > FLk;gj ;j py ; cs;stu;fspd; vz;zpf;iff;Fk; vw;wthW gykhjpup fl ; lyhk ; . Mdhy ; trj pa hdtu pd ; t P L eLj ; j u FLk;gj;jpw;F fl;Lg;gbahfhJ. eLj;ju FLk;gj;jpdu; fl;ba tPL trjpahdtUf;F gpbf;fhJ. ,JNghy; jpl;lk; thbf;ifahsiu ftu Ntz;Lnkdpy;> mJ mtUf;Nf tbtikj;jJ Nghy ,Uf;fNtz;Lk;. jfty ;fisf ;nfhz;L vt ;thW jpl ;lq ;fis jahupf ;fyhk; ? rpy cjhuzq;fisAk; mtUf;fhd jpl;lq;fisAk; ghu;f;fyhk;.

thbf;ifahsu;thbf;ifahsu;thbf;ifahsu;thbf;ifahsu; NjitNjitNjitNjit jpl;lk;jpl;lk;jpl;lk;jpl;lk;

rkPgj;jpy; Ntiyf;F Nru;e;j ,isQu;

ePz;lehs; Nrkpg;G kw;Wk; fhg;gPL

Fiwe;j gpupkpaKs;s ePz;l jpl;lk;

rkPgj;jpy; jpUkzkhdtu;

fhg;gPL> Nrkpg;G Nlu;k; ghyp]p> A+ypg;> kzpNgf;> 15 tUlKjpu;T


thbf;ifahsu;thbf;ifahsu;thbf;ifahsu;thbf;ifahsu; NjitNjitNjitNjit jpl;lk;jpl;lk;jpl;lk;jpl;lk;

jpUkzkhfp Foe;ij ngw;wtu;

fhg;gPL> Nrkpg;G> cau;fy;tp

cjtpj;jpl;lk;

Nlu;k; ghyp]p> vd;Nlhnkd;l; A+ypg;> iry;L

gpshd;.

35—45 taJ rk;gsf;fhuu;

fhg;gPL> Nrkpg;G> KjyPL> ngd;rd; fy;tpj;jpl;lk;.

Nkw;$wpa ghyp]p Ald; ngd;rd;

ghyp]p

njhopyjpgu; fhg;gPL> KjyPL. A+ypg;> Nlu;k;> ngd;rd;.

FWfpafhy rk;ghj;jpaf;fhuu; (ebfu;> fhz;l;uhf;lu;)

Fiwe;j tUl gpupkpak; nrYj;Jk;

ghyp]p

A+ypg;> ypkpll; gpupkpak; nfhz;l

jpl;lq;fs;.

45-60 taJ cs;stu;

KjyPLld; fhg;gPL> ngd;rd;

Fiwe;jfhy gpupkpak; nfhz;l

jpl;lq;fs;.

60 taJf;F Nky; ,Ug;gtu; kw;Wk; Xa;Tngw;wtu;

FWfpafhy KjyPL> ngd;rd;.

xUKiw gpupkpak; fl;Lk; jpl;lq;fs;> cldb ngd;rd;

jpl;lq;fs;.

tPl;Lf;fld; ngw;wtu;

flDf;F rkkhd Fiwe;Jnfhz;Nl tUk; fhg;gPL

Nlu;k; gpshd;> Nyhd; Gnuhnlf;lu;

gpshd;.

jk;gjpfs; ,UtUk; Ntiyf;F nry;gtu; rkgq;fpy; tPl;Lf;fld; ngw;wpUe;jhy;.

,UtUf;Fk; rkkhd fhg;gPL

[ha;d;l; iyg; jpl;lq;fs; (xUtu; ,we;jhYk; nkhj;j fld; js;Sgb)

N k w ; fz ; li t xU cj h uzk ; j h d ; . kpfr;ru pahd jpl ;lk ; vd;gJ thbf;ifahsupd; tpUg;gj;ijg; nghUj;jJ. Nkw;fz;lJ Nghy; ePq;fNs mDgtrhypfsplk; Nfl;L ngupa ml;ltizia


jahupf;fyhk;. xU cjhuzk ; vLj ;J ehk ; xU j pl ; lj ;ij jahupg;Nghkh? thbf;ifahsu; jfty;: taJ : 37> jpUkzkhfp ,U Foe;ijfs; cz;L. kidtp t Pl ;by ; ,Ug ;gtu ; . Kjy; Foe ;ij Mz; taJ 6. ,uz;lhk; Foe;ij ngz; taJ 4. khj tUkhdk; &gha; 30>000. tPl;Lf;fld; ghf;fp 7 yl;rk; . Nrkpg ;G &gha; 1>25>000. tPl;L jw;Nghja kjpg;G &gha; 10 yl;rk;. tPl;L khj nryT Ugha; 12000. fy;tpr;nryT &gha; 3000. kUj;Jtk; > ntspA+u ; nry;Yk; nryT &gha; 3000. ngw;NwhUf;F &gha; 4000. ,Uf;Fk; MAs;fhg;gPL &gha; 2yl;rk;. ,g;NghJ ,tUf;fhd jpl;lj;ij jahupg;Nghk; . Kjypy; tho;ifia tptupf;Fk; tiuglj;ij tiua Ntz;Lk;. mJ fPo;fhZk;gb ,Uf;fTk;. 37 49 51 57 60 Jtf;f kfd;gb kfs; jpUk Xa;T taJ g;G gbg;G zk; vjpu;fhyj;jpy; tuf;$ba ngupa nryTfs;:vjpu;fhyj;jpy; tuf;$ba ngupa nryTfs;:vjpu;fhyj;jpy; tuf;$ba ngupa nryTfs;:vjpu;fhyj;jpy; tuf;$ba ngupa nryTfs;: Kjy; Foe;ij Nkw;gbg;G 18-6 ,d;Dk; 12 tUlk;. mLj;jFoe;if Nkw;gbg;G 18-4 ,;d;Dk; 14 tUlk;. kfspd; jpUkzk; 24-4 ,d;Dk; 20 tUlk;. Xa;TngWtJ 60-37 ,d;Dk; 23 tUlk;. xU Foe;ijapd; Nkw;gbg;gpw ;F &5 yl;rk; . kfspd; jpUkzj;jpw;F &10 yl;rk;. Xa;TngWifapy; ifapUg;G &25 yl;rk;. Mf 12k; tUlk; 5yl;rk;> 14 k; tUlk; 5yl;rk;>20 tUlk; 10 yl;rk;> 23k; tUlk; 25 yl;rk; ,Ue;jhy; ,tu; kpf re;Njhrkhf> thoyhk;. ,jw;fhd j pl ;lk ; vg ; gb ,Uf ;f Ntz;Lk ; . ehk ; NtW ve ;j fhuzpfis ftdpf;f ntz;Lk; vd;gijAk; ghu;g;Nghk;.


,e ;j egu pd ; nghUshjhuj ; Njitfis ehk ; gl ; bay p l ; N l hk ; . Kjy py ; ,tUf ; f Njitahd tUlq ; fs py Njitahd Kj p u ; T f pilf ; Fk hW jpl;lq;fis tFf;fNtz;Lk;. mjhtJ 12k; tUlk; 5 yl;rk;> 14k; tUlk; 5 yl;rk; 20k; tUlk; 10 yl;rk; kw;Wk; 23k; tUlk; 25 yl;rk; Kjpu;T fpilf;fNtz;Lk;. 4 NtWghyp]pfis (,U fy;tp cjtp ghyp]pfs;> ,U vd;Nlhnkd;l; ghyp]pfs;) Nru;j;J Nfhk;Ngh gpshdhf juyhk; . mjDld; ekJ Ntiy Kbatpy;iy. ,e;j egUf;F VjhtJ mrk;ghtpjk; epfo;e;jhy; FLk;gj;jpdu; tho gzk; Njitay;yth? ,g;NghJ mtuJ fhg;gPL Njitia ghu;g;Nghk;. vjpu;fhyj;jpy; Njitg;gLk; gzj;jpd; jw;Nghja kjpg;ig fzf;fpl Ntz;Lk;. mjhtJ> ,d;W vt;tsT gzk; ,Ue;jhy; mtuJ kidtp tq;fpapy; itj;jhYk; gpw;fhyj;jpy; Njitg;gLk; gzk; fpilf;Fk; vd;w fzf;F. tq;fptl;b 8rjk; vd itj;Jf;nfhs;Nthk;. $l;Ltl;b fzf;fpy; 72 vd;w vz;%yk; vj;jid tUlj;jpy; KjyPL ,ul;bg;ghFk; vd;gij fzf;fplyhk;. mjw;fhd top 72I $l;L tl;bahy; tFf;f Ntz;Lk;. $ l ; L t l ; b 8 r j k ; v d ; w h y ; > 9 tU l j ; j p y ; KjyPL ,Uklq;fhFk;. 12k; tUlj;jpy; 5 yl;rk; Njitnadpy; ,d;W 2>14>000 Ntz;Lk; NkYk; FLk;gk; elj;j khjr;nryTf;F & 10>000 Ntz;Lnkdpy; ,d;W 15 yl;rk ; tq;fpapy; nrYj;j

Ntz;Lk;. Mf nkhj;jk; Fiwe;jJ mtUf;F 25 yl;r &gha;f;F fhg;gPL ntz;Lk;.

Njit vj;jid tUlj;jy; ,d;wa kjpg;G

500000 12 214000

500000 14 184000

1000000 20 232000

2500000 23 460000


kw ; n w hd ; W > mt u ; mt uJ t P l ; i l g hJf h f ; f Ntz;Lnkdpy; $Ljyhf 7 yl;rk; (tPl;Lf;fld; ghf;fp) Nru;j;J 32 yl;rj;jpw;F fhg;gPL Ntz;Lk;. nghJthd md;lu;iul;bq; tpjpg;gb xUtUila Mz;L tUkhdj;jpy; 15 klq;Ftiu fhg;gPL toq;fyhk;. mjhtJ ,e;j egupd; Mz;L tUkhdk; 3>60>000. vdNt ,tUf;F 40 yl;r &gha; tiu fhg ; PL toq;Ftjpy; rpf ;fy; ,Uf;fhJ. ,t;thW fzf;fpLk; Kiwf;F kdpj capupd; kjpg;G (Human Life Value) vd;W ngau;. ehk; ,j;jid fzf;fPLfs; nra;J Njitg;gLk; fhg;gPL kw;Wk; vjpu;fhyr;nryTfis fz;Lgpbj;jhy;> gpwF ghypfis Nfhu;g;gjpNyh gupe;Jiug;gjpNyh xU mu;j;jk; ,Uf;Fky;yth? Foe;ijfspd; fy;tp cWjp jpl;lq;fspy; ,g;NghJ gpupkpak; js;SgbAila (gpupkpak; fl;Lgtu; ,we;jhy;) jpl;lq;fSk; kpfg;gpugyk;. ,e;j midj;J NjitfisAk; G+u;j;jp nra;a xNu ghyp]pahYk; KbAk;. ,g;NghJs;s A+ypg; ghyp]pfspy; Ntz;Lk ; Neuj ;j py ; gzk; ngWk; trjp (ghu ;r pay; tpj;l;uhty;) cs;sJ. ,e;j rYif nfhz;L Njitg;gLk; tUlj;jpy; gzk; ngw;Wf;nfhs;SkhWk; gupe;Jiuf;fyhNk. ,e ;j fzf ;f P Lfs ; midj ;ijANk xUr py kzpj;Jspfspy; thbf;ifahsupd; Kd;dhy; nra;a Ntz;Lk;. mt;thW nra;ifapy; mtu; ftdk; <u;f;fg;gLk;> NkYk; ePq;fs; $Wtjd; mu;j;jk; Gyg;gLk;. ,g;NghJ jpl;lk; jahu;. ,ij ePq;fs; mtu; Kd; fzf;fpl;lhYk;> kPz;Lk; xUKiw jpl;lj;jpd; Nehf;fk; kw;Wk; nray;gLk; tpjk;> gpupkpaj;njhif> fl;lNtz;ba tUlq;fs; Mfpatw;iw tupirg;gb $Wq;fs;. 1. fhg;gPL &32 yl;rj;jpw;F ,d;WKjy;. 2. Kjpu ;T 12> 14> 20> 23k ; tUlq;fspy; Nkw;$wpa

njhiff;F tuNtz;Lk;. 3. FLk;g kUj;Jt ghJfhg;gpw;F xU kUj;Jtf; fhg;gPL. 4. ,it midj ;ijAk ; ngWtjw ;fhd ,yFthd

gpupkpak;. (jpl;l fhyk; ePbf;f gpupkpak; FiwANk!) ,g ; Ng hJ mtUf ;F mj pf re ; Njfq ; fNsh > vjpu;g;GfNsh tUk;. mij ifahs;tjpy;jhd; cq;fs; Kaw;rp epiwTngWk;. thbf;ifahsupd; Nfs;tpfs; kw;Wk; re;Njfq;fs; kpfTk; ftdKld; ifahsg;gl Ntz;Lk;.


mtuJ Nfs;tpfSf;F gjpy; njspthfj; njupe;jhy; kl;Lk; $Wq;fs;. njupahj rkaj;jpy; mtuplk; mDkjp thq;fptpl;L cq;fs; cau; mjpfhupfis ifNgrpahy; njhlu;G nfhz;L gjpy; mwpe;J $Wq;fs;. Vndd;why; mg ;NghNj nra;tJ kpf ;f ed;W. re ;Njfky;yhky; thbf;ifahsu; vjhtJ jfty;fs;> rhd;wpjo;fs; kw;Wk; fzf;fPLfs; Nfl;lhy;> cq;fsplk; ,y;yhj rkak; ePq;fs; mYtyfk; nrd;Wjhd; vLj;J tu Ntz;Lk;. jaq;fhky; jfty;fis fhz;gpf;fr; rk;kjpAq;fs;. ePq;fs; mtiu KOikahf jpUg;jpgLj;jhky; ghyp]p vLf;f KbahJ. mg;gbNa vLj;jhYk; > mJ kjpg ;G Fiwe ; j g hy p] pa hfj ; j hd ; ,Uf ;Fk ; . k Pz ; Lk ; re;jpf;fNtz;ba R+oy;jhd; ngUk;ghYk; Vw;gLk;. Kjy; re;jpg;gpNyNa ghyp]p nfhLg;gJ kpfTk; mupJ. mt;thW kPz;Lk; re;jpf;f Ntz;bapUg;gpd; mLj;j re;jpg;gpw;fhd Neuj;ij mtUld; KbT nra;Aq;fs; . $Lkhdtiu mLj ; jre ; j p g ; G t piut py ; mikAkhW gh u ; j ;Jf ; nfhs;Sq;fs;. Vnddpy; ciuahly; kwe;J njhlu;G tpl;Ltplf;$lhJ. k Pz ; Lk ; k Pz ; Lk ; vj ; jid Kiw re ; j pf ; f Ntz;LNkh mj;jid KiwAk; re;jpAq;fs;. Mdhy;> thbf ;ifahsu ; xt ; nthUKiwAk ; mLj ; jKiw ghu;f;fyhk; vd;W $Wk;NghJ> cz;ikahd fhuzk; VjhtJ cs;sjh? vd;gij cWjpnra;aTk;. Vnddpy; xUrpyu; cz;ikaw;w fhuzq;fis nrhy;yp cq;fs; Neuj;ij tPzhf;fyhk;. mtu; $Wk; fhuzq;fspy; cs;s cz;ikia ePq;fshfNt czuyhk;. t p sf ; f p $ wy p d ; N g hJk ; > mjw ; F g ; g p w Fk ; t hbf ; ifahsu pd ; $w ; w p y p Ue ; Jk ; > mtuJ Kf ghtq ; fs py pUe ;Jk ; mtu ; $w pa jfty ; kw ;Wk ; fUj;Jf;fspd; cz;ikia mwpayhk;. Vw;nfdNt $wpa cz;ikawpjy; jahuhFjy; njhlu;GilaJ ,J. mjhtJ re;jpg;gjw;F Kd; my;yJ jpl;l tpsf;fj;jpw;F Kd; n ra ; a Ntz ; ba n ray ; . Md hy ; > , g ; N g hJk ; cz;ikawpa Ntz;Lk;. cz;ikawpjy; ,uz;Ltiffspy; elf;fNtz;Lk; Xd;W thbf;ifahsUila $w;W. kw;wJ ehk; ftdpg;gJ. ehk; Nfl;Fk; Nfs;tpfs; midj;jpw;Fk; cz;ikahd gjpy; fpilf;fhky; Nghfyhk;.


vdNt $w;iw xUGwKk; ehk; ftdpj;J mwpe;jij kw;nwhUGwKk; itj;J cz;ikawpa Ntz;Lk;. ,t;thW cz;ikawpjypdhy; ehk; jtwhd jpirapy; nry;tJ jtpu;f;fg;gLk;. tpsf;fpf; $wypd;NghJ ftdpf;f Ntz;bait:tpsf;fpf; $wypd;NghJ ftdpf;f Ntz;bait:tpsf;fpf; $wypd;NghJ ftdpf;f Ntz;bait:tpsf;fpf; $wypd;NghJ ftdpf;f Ntz;bait: 1. thbf;ifahsu; ftdk; ek;iktpl;L mfyhj tz;zk;

tpsf;f Ntz;Lk;.

2. xt;nthU tpsf;fj;jpd; NghJk; ehk; thbf;ifahsupd; Kfghtq;fis ftdpf;f Ntz;Lk;.

3. ngUk;ghYk; ehk ; thbf;ifahsupd; fz;fisg; ghu;j;Jjhd; NgrNtz;Lk;.

4. xt;nthU jftypd; KbtpYk; thbf;ifahsuplk; xg;Gjy; thq;fp mLj;j jftYf;F nry;yNtz;Lk;. cjhuzj;jpw ;f ;F> mtuplk; Foe;ijfspd; cau; gbg;g pw ;f ;F 20 yl;rk ; Ntz;Lk; vd;W $Wtij mtuplk;> “rhu; vjpu; fhyj;jpy; cq;fs; Foe;ijfspd; Nkw;gbg;gpw;f;F &20 yl;rk; Njitg;gLk; my;yth?” vd;W Nfl;L gpd;du; mtuJ xg;GjYf;F gpwFjhd; ehk; mLj;j jftiy njuptpf;f Ntz;Lk;.

5. Njitahd Neuj;jpy; Njitahd rhd;Wfs; kw;Wk; gpujpfis fhz;gpf;fTk;. ,tw;iw tpsf;Fjypd; NghJ cq;fs; ifapNyNa itj;J tpsf;fTk; . khwhf mtuJ ifapy; nfhLj;J tpl;lhy; mtu; ftdk; mj py ; gj pe ;J cq ;fsJ mLj ;j njhlu ; jiy jhkjg;gLj;Jk;. Mdhy;> mtu; tpUk;gpdhy; epr;rak; mtuplk; rhd;Wfis nfhLf;fNtz;Lk;.

6. cq;fsJ fhfpjq;fisAk; > gpujpfisAk; > kw;w nghUs;fisAk; tpsf;Fjypd;NghJ kpfTk; ftdkhf ifahsTk ; . ve ;j fhuzj;jhYk ; ,e ;j jUzk; ,ilA+wpd;wp ghu;j;Jf;nfhs;sTk;.

7. xt;nthU fl;lj;jpYk; mJtiu $wpatw;iw xUKiw RUf;fpf;$wTk; (Summary).


RUf;fpf; $Wjy; vd;gJ> cq;fsJ Ngr;rpy; cs;s njhlu;r;rpia cWjpnra;Ak;. cjhuzj;jpw;f;F> Nrkpg;Gk; f h g ; g P L k ; ; m t r p a k ; v d ; g i j A k ; > v j p u ; f h y Njitg;ghLfisAk; mjd; nghUshjhu kjpg;igAk;> m j w ; f ; f hz j p l ; l k p L jiy $w p As ; s P u ; > v d itj;Jf;nfhs;Nthk;. ,g;nghOJ mtuplk;> “rhu;> ehk; ,Jtiu Nrkpg;G kw ;Wk ; fhg ;g Pl ;bd ; mtrpaj ;ij ghu ;j ; Njhk ; . g pd ; vjpu;fhyj;jpy; cq;fsJ Foe;ijfspd; Nkw;gbg;G ve;j tUlk; tUk; vd;gijAk;> mjw;f;F vt;tsT gzk; mg;NghJ Njit vd;gijAk;> cq;fsJ Xa;T fhyKk; mg;NghJ Njitg;gLk; njhifiaAk; njupe;Jnfhz;Nlhk;. nkhj;jkhf ,it midj;jpw;f;Fk; Njitg;gLk; fhg;gPL kw;Wk; jpl;lj;jpidAk; ehk; ghu;j;Njhk;” vd;W RUf;fkhf $wNtz;Lk;. ,t;thW nra;tjhy;> ehk; ciwahlypd; njhlu ;r ;r p tpl ;Lg ;Nghfhky; nra;fpNwhk ; . ,J kpf Kf;fpakhd nray; MFk;. ,g;nghOJ ehk; fhg;gPL> gpupkpak; kw;Wk; rpy tif jpl;lq;fis jhahupf;Fk; Kiwia ghu;g;Nghk;. thbf ;ifahsUf;F MAs; fhg ;g PL vjw ;fhf Ntz;Lk;? mtu; vjpu;ghuhjtpjkhf ,wf;f Neupl;lhy;> mtiur;rhu;e;jtu;fs; nghUshjhu neUf;fbia re;jpf;f $lhJ vd;gNj Kf;fpa Fwpf;Nfhs; my;yth? mg;gbnadpy;> mjpfkhd Nrkpg;G kw;Wk; nrhj;J itj;jpUg;gtUf;F MAs; fhg;gPL Njitapy;iyah? vd;w re;Njfk; cq;fSf;F tuyhk;. thbf;ifahsu; ,wf;Fk; gl;rj;jpy;> mtUila nrhj;Jf;fs; flidtpl mjpfkhf cs;sgl;rj;jpy;> mtUf;F MAs;fhg;gPL mtrpakpy;iy. Mdhy;> ek; ehl;by; vj;jidNgu; mj;jifa trjpAld; ,Uf;fpwhu;fs;? ePq;fs; re;jpf;Fk; egupy; 100y; XupUtUf;F kl;LNk mbg;gilj; Njitf;Fk; mjpfkhd nrhj;Jf;fs; ,Uf;Fk;. vg;gb ehk; MAs; fhg;gPl;Lj; njhifia fzf;fPL nra;tJ? gpd; tUk; jfty;fs; %yk; ehk; fhg;gPl;Lj; Njitia fzf;fplyhk;. 1. thbf;ifahsUila FLk;gj;jpd; khjhe;jpu nryT.

(FLk;gk; elj;j mj;jpahtrpar; nryTfs;.)


,e;j njhifia 120My; ngUf;fpf; nfhs;Sq;fs;. cjhuzk; khjhe;jpu FLk;gr; nryT &15000 vdpy; 15000

x 120 = 18>00>000. 18>00>000. 18>00>000. 18>00>000. mjhtJ 18yl;rj;jpd; 8 rjtl;b &

12000. (khjhe;jpu nryTf;fhd njhif) 2. md;wa jpdk; fld;fSila kjpg;G. cjhuzj;jpw;F thbf;ifahsUf;F & 15 yl;rj;jpw;F tPl;Lf;fld;> 2 yl;rk; fhu; Nyhd;> 1 yl;rk; gu;rdy; Nyhd;> fpnubl; fhu;L fld; &35000 vdpy;> nkhj;j fld;fspd; kjpg;G &. &. &. &. 18 >35 >000 .18 >35 >000 .18 >35 >000 .18 >35 >000 . ,e ;j njhifia fzf;f pLtjhy ; > ehk ; thbf;ifahsUila flDf;fhd khjhe;jpu re;jhit Nru;f;f Ntz;lhk;. 3. vjpu ;fhyj; Njitfspd; kjpg ;G. cjhuzj;jpw ;F thbf;ifahsUf;F 5 tajpy; xU kfDk;> 2 tajpy; xU k fSk ; ,Ue ; j h y ; > mt u ; fSila Nk w ; g b g ; G mtu;fSila 18k; tajpy; Jtq;Fk; . KiwNa 13k; tUlk; kw;Wk; 16k; tUlk;. Nkw;gbg;G Jtf;fj;jpw;F vt;tsT gzk; Njitg;gLk; vd;gij Njhuhakhf ruhrup gztPf;fj;ij itj;J fzf;fplyhk;. ,d;W xU nghupap ay; fy;Y}upapy; gapy Njitahd njhif &5 yl;rk;. vdpy;> 13 Mz;Lfs; fopj;J vt;tsT Njitg;gLk;? gztPf;fk; ruhrup 8 rjk;. mjhtJ> 9 tUlq;fspy; ,ul ;bg ;ghFk; . 9 tUlk; fopj ;J 10 yl;rKk; > 13k ; tUlj;jpy; 13>60>000k; Njitg;gLk;. ,uz;lhk; Foe;ijf;F 16k; tUlj;jpy; &. 18 yl;rKk; Njitg;gLk;. Mdhy; ,it Kjpu;thfj;jhd; tuNtz;Lk;. jw;Nghija ,U Nkw;gbg;gpd; kjpg;G &10 yl;rk; kl;LNk.&10 yl;rk; kl;LNk.&10 yl;rk; kl;LNk.&10 yl;rk; kl;LNk. ,JNghyNt Foe ;ijapd ; j pUkzr ; nryT. cjhuzj;jpw;F ngz;Foe;ijapd; jpUkzk; 24k; tajpy; elf;Fk; vd;W epidj;jhy;> ,d;Dk; 22 tUlj;jpy; gzk; Njit. md;wa kjpg;gpy; & 20 yl;rKk;> ,d;wa kjpg;gpy; & 4 yl ;rKk ;& 4 yl ;rKk ;& 4 yl ;rKk ;& 4 yl ;rKk ; Njit vd;W itj;Jf ;nfhs ;Nthk ; . ,g;NghJ vjpu;fhyj;Njitf;fhd jw;Nghja njhif &. 10 yl;rKk; 4 yl;rKk;. mjhtJ 14 yl;rk;. 4. Xa;T+jpaj;jpw;fhd njhif. cjhuzj;jpw;F thbf;ifahsUf;F 35 taJ vd;W


itj;Jf;nfhs;Nthk;> mtUila 5 taJ kfd;> ,d;Dk; 1 7 tUlq ; fs p y ; fy ; Y } u p Kbj ; J Ntiyf ; F nrd;WtpLthd;. 22 tUlq;fspy; kfSf;Fk; jpUkzk; MfpapUf;Fk;. mjhtJ thbf;ifahsu;> jdJ 57k; ta-j py ; kfspd ; j pUkzj;ij elj ;j pa pUg ;ghu ; . mjd; g p wF ,Uf ;Fk ; xUr py t p\aq ; fis mLj ; j 3 tUlq ; fs py ; nra ; j hYk ; > mtu ; 6 0 k ; taj py ; Xa;ntLf;fyhk;. mjhtJ ,d;wpypUe;J 25 tUlk; fopj;J Xa;ntLf;fyhk;. ,d;W tajhd jk;gjpfSf;F ruhrup khjr;nryT (nrhe;j tPlhf ,Ue;jhy;) & 7000. vdpy; tUlk; 84000. ,ju nryTfis Nru;j;jhy; ,d;wa Njit tUlk; & 1 yl;rk; . ,d;Dk; 25 tUlq;fspy; ,jd; kjpg;G & 4 yl;rkhf ,Uf;Fk;. ,e;j tUlk; 4 yl;rk; ruhrup 8 rjtPjj;jpy; fpilf;f Ntz;Lk; vd;why;> 50 yl;rk; gzk; Njit. ,e;j 50 yl;rk; Kjpu ;thf 25 Mz;LfSf;Fg;gpd; fpilf;f Ntz;Lk;. Mdhy; ,d;wa kjpg;G & 6.25 yl;rq;fNs.& 6.25 yl;rq;fNs.& 6.25 yl;rq;fNs.& 6.25 yl;rq;fNs. ,ij ehk; Vd; fzf;fpy; vLf;f Ntz;Lk; vd;why;> thbf;ifahsu; ,we;jhYk; mtuJ kidtpf;F Xa;T+jpak; Njitg;gLk; my;yth? ,g;NghJ Nkw;$wpaitfspd; jw;Nghja kjpg;ig $l;Lq;fs;. khjhe;jpu nryTf;fhd njhif & 18>00>000 fld;fspd; nkhj;j njhif & 18>35>000 fy;tp kw;Wk; jpUkzj;jpw;fhd njhif & 14>00>000 Xa;T+jpaj;jpw;fhd njhif & 6>25>000 nkhj;jk;nkhj;jk;nkhj;jk;nkhj;jk; & & & & 56>60>000 56>60>000 56>60>000 56>60>000 Mdhy;> thbf;ifahsUf;F & 5 yl;rk; kjpg;Gs;s xU ,lKk;> tq;fp> gpuhtpld; gz;L> gpw KjyPL Mfpad kjpg;G & 8 yl;rk; vd;why;> epfu fhg;gPl;Lj; njhif &

56>60>000-13>00>000 = 43>60>000. thbf;ifahsUf;F & 43 yl;rq;fSf;F MAs; fhg;g PL Njit. NkYk; ehk; NkNy ghu;j ;jJ Nghy;> Fwpg;gpl;;l fhyj;jpy; Fwpg;gpl;l msT Kjpu;Tk; Njit. mjw;Nfw;wthW ehk; jdpj;jdp jpl;lq;fisNah my;yJ xUrpy jpl;lq;fs; %yNkh jpl;lkplyhk;. ,g;NghJ ehd; xU cjhuzj;jpw;fhf jpl;l tbtikg;G nra;fpNwd;.


fld; kw;Wk; khjhe;jpur; nryTf;fhd fhg;gPl;Lj; njhif & 36>35>000. ,J kpf mj;jpahtrpakhdJ. ve;j #oypYk; ,jd; fhg;gPl;L gpupkpak; jilglf; $lhJ. vdNt ehd; 40 yl;rj;jpw;fhd Nlu;k; ghyp]p vLf;f gupe;Jiug;Ngd;. 40 yl;rj;jpw;F Nlu;k; ghyp]p gpupkpak; Njhuhakhf &.12>000 ,Uf;Fk;. mLj;jjhf xU A+ypg; jpl;lj;jpy;> fy;tp kw;Wk; jpUkzj;jpw;F Kjpu;T fpilf;FkhWk;> mjw;fhd kjpg;ig fhg;gPl;L njhifahfTk; vLf;fr;nra;Ntd;. ghyp]p fhyk; 22 tUlq;fs;. Njitf;Nfw;g gzk; vLf;Fk; trjp A+ypg; ghyp]papy; cz;L. fhg;g Pl ;L njhif & 15 yl;rk; . gpupkpak; & 60>000 (tUlk;). mLj;jjhf xU Xa;T+jpaj;jpl;lk;. fhg;gPl;L njhif & 6.25 yl;rk;. gpupkpak; tUlk; & 28000. ghyp]p fhyk; 25 tUlq;fs;. nkhj;jk; 3 jpl;lq;fs;> gpupkpak; tUlk; & 1 yl;rk;. mjhtJ khjk; &8>330 kl;LNk. ,t;thW jpl;lkpLjypd; %yk;> thbf;ifahsUila midj;J NjitfisAk; XusT jPu;f;fyhk;. NkYk; A+ypg; r h u ; e ; j j p l ; lq ; fs py ; Nky ; Kjy P L (l hg ; mg ; ) trjp ,Ug;gjhy; > tUkhdk; cau cau Nrkpg ;ig cau;j;jyhk;. ve ;j xU tpw ;gidANk thbf;ifahsUila Njitia G+u;j;jp nra;aNt. vdNt ePq;fs; cq;fsJ thbf;ifahsuplk; cs;s Njitia fz;LgpbAq;fs; my;yJ Njitia cUthf;Fq;fs;. mt;thW my;yhky;> vj ;jidKiw e Pq ;fs ; Kad;whYk ; > ru pahdnjhU tpw;gid KOikahf;fiy ePq;fs; mila KbahJ. ,t;thW ePz;lehs; jpl;lq;fis toq;Ftjhy;> cq;fSf;F mjpf ehs; nudpty; fkp\d; fpilf;Fk;. Mdhy; ePz;lehs; jpl;lq;fSf;F thbf;ifahsu; xg;Gjy; mspg;gjpy;iy. mij rkhspf;f xU top> mtUila tUkhdk; fle;j 10 tUlq;fspy; vt;tsT cau;e;Js;sJ vd;W fzf;fplr; nrhy;Yq;fs;. Fiwe;jJ 4 klq;fhf MfpapUf;Fk;. vdNt jw;NghJ Rikahf njupAk; ,e;j gpu pkpak; vjpu ; fhyj;jpy; kpf vspjhd njhifahf khwyhk; vd;gij njspTgLj;jp> cq;fsJ jpl;lj;jpy; VNjDk; tisTj;jd;ik ,Ug;gpd; mijAk; $wpdhy;> ePz;;lfhyj;jpl;lq;fis thq;f thbf;ifahsu; rk;kjpg;ghu;.


jpl;lq;fis tiue;J tpsf;fpf; $Wk; Kiw: ePq;fs; jpl;lq;fis tpsf;Fk; NghJ fPo;fz;l Kiwapy; tiue;J tpsf;fpdhy; thbf;ifahsUf;F vspj py ; Gu pAk ; . r py cjhuzq;fisAk ; mtw ;iw t psf ; Fk ; glj ; j pidAk ; f hzyhk ; . Nkw ; $w pa thbf;ifahsUf;F> fy;tp kw;Wk; jpUkzj; Njitia tpsf;f>

,d;W 13 15 22

tUlq;fs;...

kfdpd; Nkw;gbg;G Kjpu;T 13 yl;rk;

kfspd; Nkw;gbg;G Kjpu;T 18 yl;rk;

kfspd; jpUkzk; 20 yl;rk;

,d;WKjy; fhg;gPL 15 yl;rk;.

gpupkpak; tUlk; & 60>000 kw;Wk; Nky; KjyPl;L trjp.

Xa;T+jpaj;ij tpsf;f: fPo;fz;l glj;ij tiue;J Xa;T+jpaj;jpl;lj;ij tpsf;fyhk;.

Fund

35 taJ 60 taJ

gpupkpak; nrYj;Jk; fhyk; ngd;rd; ngWk; fhyk;. fhg;gPl;L njhif 6.25 yl;rq;fs;. ,wf;Fk; jUthapy; fhg;gPl;Lj;njhif Fiwe;jgl;r ,og;gPlhf jug;gLk;.


thbf;ifahsupd; fzf;Fj; njhif (gz;L Nty;A+) $Ltij fPo;fz;lthW tpsf;fyhk; . cjhuzj;jpw;F Nkw;$wpa fy;tp kw;Wk; jpUkzj;jpw;fhd fhg;gPL kw;Wk; Nrkpg;Gj; jpl;lj;ij vLj;Jf;nfhs;Nthk;.

,d;W 13 15 22

tUlq;fs;...

kfdpd; Nkw;gbg;G Kjpu;T 13 yl;rk;

kfspd; Nkw;gbg;G Kjpu;T 18 yl;rk;

kfspd; jpUkzk; 20 yl;rk;

fzf;fpYs;s Kjpu;T kw;Wk; gFjp vLg;gjw;fhd njhif

,t;thW tiuglq;fs; %yk; tpsf;Ftjhy;> ,uz;L ed;ikfs; cs;sd. 1. thbf;ifahsu; vspjpy; Gupe;J nfhs;thu;. 2. tiuglk; %yk; tpsf;Fk; NghJ ehKk; Kiwahf xd;wd; gpd; xd;whf tpsf;f KbAk;. ,J Nghd;W ePq;fNs rkPgj;jpy; re;jpj;j egu;fspd; Njitf;Nfw;g jpl;lq;fis tbtikj;J tiuglk; %yk; tpsf;fp gapw;r;rp vLj;Jf; nfhs;Sq;fs;. ePq;fs; 15 egu ;fSf;F ,t;thW tiuglk; %yk; tpsf;Ftjhf gapw;r;rp vLf;f Ntz;Lk;. K j p u ; T j ; n j h i f , q ; F N j h u h a k h f $wg;gl;Ls;sJ. ePq;fs; Kjpu;Tj; njhiff;Nfw;w gpupkpak; my;yJ gpupkpaj;jpw;Nfw;w Kjpu;Tj;njhifia murhq;fk; Fwpg;gpl;Ls;s tuk;ghd 6 Kjy; 10 rjtPjj;jpw; Fs;shf Fwpg;gpLq;fs;. NkNy $wpa cjhuzq;fs; xU Nkw;NfhSf;fhfNt nfhLf;fg;gl;Ls;sd. ,tw;iw cjhuzkhf vLj;J ePq;fs; jpl;lkpl Ntz;Lk;.


,t ; t hW t psf ; f p f ; $Wk ; Ng hJ Vw ; gLk ; re;Njfq;fs; kw;Wk; njspTiufis $batiu clNd jPu;j;JitAq;fs;. cq;fSf;F ed;F njupe;jdtw;wpw;F gj py ; $Wq ; fs ; . nju pa hjtw ; w pw ;F mq ; f pUe ; Nj thbf;ifahsu; mDkjpAld; cau; mjpfhupfis njhlu;G nfhz;L tpilfhZq;fs;. thbf;ifahsu; ,g;NghJ 3 tpjkhd kdepiyapy; ,Uf;fyhk; . 1. mtUf;F VNjNjh fhuzq;fSf;fhf ghyp]p vLf;Fk; kdepiyapy; ,y;yhky; ,Uf;fyhk;. 2. NkYk; Nahrpj;J my;yJ MNyhrpj;J gpd;du; ghyp]p vLf;f epidf;fyhk;. 3. ey;y jpl;lkhf fUjp mg;NghNj ghyp]p vLf;fyhk;. filrp ,uz;L KbTfSk; ekf;F rhjfkhdNj. Kjyhk ; KbT vd;whYk; njhlu ;g py ; ,Ug;gJ ey;yJ. vd;whtJ ekf;F rhjfkhf mikAk;. jpl;lk; vLj;jiy Kd;nkhopjy;:jpl;lk; vLj;jiy Kd;nkhopjy;:jpl;lk; vLj;jiy Kd;nkhopjy;:jpl;lk; vLj;jiy Kd;nkhopjy;: ekJ thbf;ifahsu; jpl;lj;jpid tpUk;Gjy; nju pe ; j hy ; > cldbahd> nkJthf j pl ; lj ; j pid cWjpnra;Ak; eltbf;ifia nra;aTk;. Kjypy; gpupkpa njhifia fzf;fpl;L mtuplk; $wp> ve;j Kiwapy; nrYj;j tpUk;Gfpwhu ; vd;W Nfl;fTk; . (gzkhfth> fhNrhiyah) ,J kpf Kf;fpa jUzk;. jtW VJk; Vw;glf;$lhJ. mtu; mtfhrk; Ntz;Lk; vd;W $wpdhy;> nkd;ikahf vjw;fhf mtfhrk; Ntz;Lk; vd;gij mwpaTk;. NtnwhU cj;jp> tpz;zg;g gbtj;ij vLj;J G+u;j;jp nra;a cjTkhW Nfl;fTk;. ,t;tpU Kaw;rpANk jpl;lk; (ghyp]p) vLf;FkhW Nfl;Fk; Kaw;r;rpfNs! clNd mtu; mtfhrk; Nfl;fyhk;. mtu;Nfl;Fk; mtfhrk; KbntLf;fNth> gzk; jahu ; nra;aNth> gpwuplk; MNyhrpf;fNth kw;Wk; vjw;fhf Ntz;LkhdhYk; ,Uf;fyhk;. fhuzk; cq;fSf;F njupe;jhy;jhd; mLj;j efu;T vd;d vd;gijAk; ePq;fs; KbntLf;f KbAk;. my;yJ mtu; gzk; vd;Nwh> fhNrhiy vd;Nwh $wpdhy;> ehk; Kd;G $wpaJ Nghy; mLj;J tpz;zg;g gbtj;ij vLj;J mtuplk;> “rhu;> ehk; ,e;j jpl;lj;jpid vLf;f> Kjypy; ,e;j gbtj;ij G+u;j;jp nra;a Ntz;Lk; vd;W $wp tpz;zg;gk; G+u;j;jp nra;a


Njitahd jfty ;fis Nrfu pAq ;fs ; . mt ;thW tpz;zg;gj;ij G+u;j;jpnra;a xj;Jioj;jhy; tpw;g;gid 90 rjk; KOikaile;jjhFk;. my;yJ NtW fhuzq;fs; my;yJ mtUf;F ,Uf;Fk; re;Njfq;fs; my;yJ kWg;ig (objection) fhz;gpj; ;jhy;> me;j kWg;G vd;d vd;gij gzpTlDk; ftzKlDk; NfSq;fs;. ehk; kpf vspjhf kWg;ig ifahsyhk ; . kWg ;ig ifahSjy; gw ;w p gpd;tUk; gf;fq;fspy; fhzyhk;. jpl;lk; vLj;jiy Kd;nkhopjy; vd;gJ tpw;gid KOikahf ;Fk ; Kaw ;r ;r p vd;whYk ; > ,e ;j nray; thbf;ifahsupd; kdepiyia mwpaNt ngUk;ghYk; cjTfpwJ. ehk; tpsf;fpf; $Wk; NghJ rup rup vd;W $Wk; gyu; tpz;zg;gg; gbtj;ij vLj;j clNdNa jw;fhg;G epiyf;F Ngha;tpLthu;fs;. ehk ; j pl ; lk ; vLj ;jiy Kd;nkho ptJ k pf Kf;fpakhd mLj;jfl;lj;ijAk;> ehk; mLj;J vd;d nra;a Ntz;Lk; vd;gijAk; njspTgLj;Jk; . vdNt ePq;fs; khWgl;l gjpy; fpilj;jhYk; re;Njh\g;gLq;fs;. Vndd;why; tpw;gid KOikailtJ jilg;gltpy;iy> rw;W js;spg; NghAs;sJ. thbf;ifahsu; ghyp]p vLg;gij jil nra;a gy;NtW fhuzpfs; cs;sd vd;gij ed;whf Gupe;J nfhs;Sq;fs;. mit vJthf ,Ue;jhYk; mtw;wpd; mtrpak; thbf;ifahsUf;F kl;LNk njupAk;. ,e;j ep iyapy; ePq;fs; tpw;gidf;fhf VNjDk; tw;GWj;jy; nra;jhy;> thbf;ifahsu; ntWg;gilthu;. rpy Neuq;fspy; t pw ; gidf ;f hf ehk ; nra ;Ak ; tw ; GWj ;jy ; ekJ njhlu;igNa Jz;bf;FksT Ngha;tpLk;. ehk ; Kd ; G fz;lJNghy ; > ,e ;j e piya py ; mNdfkhd thbf;ifahsu;> kWg;igj;jhd; njuptpg;ghu;fs;. kWg;ghdJ jw;NghJ ghyp]pia thq;Ftjh? gpwF g h u ; f ; f y h k h ? vd ; N w h > g hy p] p Na Ntz ; l h k ; vd;Nwh ,Uf;fyhk;. ,ij xU rpyu; jhd; ntspg;gilahf $Wthu;fs;. mNdfk;Ngu; NtWrpy fhuzq;fisj;jhd; $Wthu ;fs; . mt;thW $Wk; fhuzq;fs; kWg;Gfs; vdg;gLk;. ,it thbf;ifahsupd; vz;zntspg;ghL vdNt ehk; ek;gpf;ifAld; kWg;ig ifahs Ntz;Lk;.


tpsf;fpf;$wypd; gbepiyfs;:tpsf;fpf;$wypd; gbepiyfs;:tpsf;fpf;$wypd; gbepiyfs;:tpsf;fpf;$wypd; gbepiyfs;:

mwpKfk;> Jtf;fk;

FWtpsf;fk;(Kd;Diw)

mwpjy;

tpsf;fpf;$wy;

jpl;lk; tpUk;gg;gLjiy cWjpnra;jy;

tp U k; g tp y; iy

tpUg;gk;

tpw;gid KOik ahf;Fjy;.

tpw;gidf;Fg;gpwF Nrit


kWg;Gfis ifahSjy; kWg;Gfis ifahSjy; kWg;Gfis ifahSjy; kWg;Gfis ifahSjy; (objection handling) kWg;Gfspd;wp MAs;fhg;gPl;L tzpfk; epfo;tJ Mapuj;jpy; xUKiwjhd;. vdNt

vg;NghJk; kWg;Gfis vjpu;ghUq;fs;.vg;NghJk; kWg;Gfis vjpu;ghUq;fs;.vg;NghJk; kWg;Gfis vjpu;ghUq;fs;.vg;NghJk; kWg;Gfis vjpu;ghUq;fs;. kWg;Gfs; ,Utifg;gLk;. 1. cz;ikahd kWg;G 2. cz;ikaw;w kWg;G. 1. cz;ikahd kWg;G:cz;ikahd kWg;G:cz;ikahd kWg;G:cz;ikahd kWg;G: ,it ngUk;ghYk; jpl;lj;ij

my;yJ epWtdj;ijg ;gw ;w pa re ;NjfNkh> gzk; ,d;ikNah> gpwuplk; MNyhridngWtNjh ,Uf;fyhk;. ,tw;iw ehk; Neu;ikahf mZFtjd; %yKk;> ekJ cau ; mj pfhu pfs pd ; cjtpAlDk ; rkhs pj ;J tpw;gidia KOikailar; nra;ayhk;. ngUk;ghYk; kWg ; Gfs ; ek ; j p l ; lj ; j py ; mtu ; vj p u ; g h u ; j ; j xd;W ,y;yhjjhNyh my;yJ ek;jpl;lj;jpy; ,Uf;Fk; xd;W Fiwghlhf fUJtjhNyh tUk;. ,tw;iw ehk; g p w e piwfis J }f ; f p e p Wj ; Jtjd ; %yk ; rkhspf ;fyhk ; . my;yJ mtuJ jtwhf Gu pe ;J nfhs;SjyhYk; kWg;G tuyhk;. vdNt cz;ikahd kWg;Gfs; rkhspf;f vspjhditNa. ekf;F nghU ikAk; jpwikAk; kl;Lk; kpf mtrpak;.

2. cz;ikaw ;w kWg ;G: cz;ikaw ;w kWg ;G: cz;ikaw ;w kWg ;G: cz;ikaw ;w kWg ;G: thbf;ifahsu ; VNjh xU fhuzk ; nrhy ;y p ek ;ik tpyf ;f e pidg ; gij cz;ikaw;w kWg;G vd;W $wyhk;. ,ij ntd;W tzpfj ;ij KOikahf ;f ehk ; ed ;kj pg ; NghL njhlu;e;J mtiu re;jpg;gNj xNu top. ngUk;ghYk; cz;ikaw;w kWg;Gfs; cq;fsplk; cz;ikia $w tpUk;ghjjhy; epfo;fpd;wd. ,J rpy rkak; cq;fis tUj ;jg ;glhky; nra ;aTk; elf ;Fk ; . Mifahy; thbf;ifahsu; vOg;Gk; vj;jifa kWg;gpw;Fk; cupa kjpg ; gspj ;J nray;gLq ;fs ; . cq;fsJ ,yf;F tpw;gidia kOikahf;Ftjpy;jhd; ,Uf;f Ntz;Lk;.


kWg ; Gfis ifahStjw ; F e piwa to p -KiwfSk; > nghJthd kWg ;GfSf ;F gj py ;fSk; cs;sd. Mdhy; ehk; ,tw;iw kddk; nra;J $Wtjhy; gadpy;iy. vdNt> kWg;Gfspd; jd;ikiag; nghUj;J mtw;iw fPo;fz;lthW tifg;gLj;jp Fwpg;gpl;Ls;s Kiw ia ifahz;L ntw;wpngwyhk; . Mdhy; ehk; Kd;G $wpaJ Nghy thbf ;ifahsupd ; ntspr ;nrhy ;yhj kWg ; Gfis ekJ mDgtj ;j pd ; %yNk vs pj py ; mwpayhk;. 1. jtwhf Gupe;Jnfhs;jy;:jtwhf Gupe;Jnfhs;jy;:jtwhf Gupe;Jnfhs;jy;:jtwhf Gupe;Jnfhs;jy;: ehk; $wpajpy; VjhtJ xU

fUj;ijNah> jpl;lj;jpy; cs;s tpjpKiwfisNah thbf ;ifahsu ; jtwhf Gu pe ;Jnfhs ;tJ ,e ;j tifg;gLk;. ,ij ifahs> ehk; Nghjpa Mjhuq;fis f hz ; g p j ; J t p s f ; f p d h Ny t h b f ; i fa hs u ; xg;Gf ;nfhs;thu ; . ,j;jifa kWg;G ngUk;ghYk; cz;ikahd kWg;ghfj;jhd; ,Uf;Fk;. vdNt ,ij ifahs;tJ Rygk; . Mdhy;> thbf;ifahsu; rpy rkak; ,ij ntspapy; $whkNyNa ,Uf;fyhk; . mtuJ kWg;ig ntspf;nfhz;Ltu ciuahlYk;> ed;F ftdpj;jYk; mtrpak;.

2. ek;gpf;ifapd;ik:ek;gpf;ifapd;ik:ek;gpf;ifapd;ik:ek;gpf;ifapd;ik: ehk; $wpa fUj;ijNah> jpl;lj;jpy; cs;s gad;fisNah> epWtdj;ijg ; gw ;w pNah> ghJfhg ;G mk ;rq ;fs ; gw ;w pNah thbf ;ifahsu ; r e ; Njf g ; g Ljy ; . ,e ; j kWg ; ig e hk ; cu p a Mtzq;fis fhz;gpg ;gjd; %yk; ifahsyhk; . ngUk;ghYk; ,j;jifa kWg;Gfis nty;y rw;W mjpfkhf ciof;f Ntz;bapUf;Fk;. MdhYk; cupa jfty ;fs ; fhz;g pf ;fg ; gl ;lhy ; > t pw ; gid KO ikailAk;. 2004k; tUlk; xU kj;jpa muR nghwpap ay; mjpfhup mtUila re;Njfq;fis kiwKfkhf xj;jpg;NghLtjd; %yk; ntspg;gLj;jpdhu;. ehd; mtuJ xj;jpg;NghLjypd; fhuzk; ek;gpf;ifapd;ikjhd; vd;W Gu pe ;J nfhz;Nld ; . g pd ;du ; mtu plk ; vq ;fsJ epWtdj;jpd; ,izajs KftupAk; jfty; mwpAk; ,izg ; GfisAk ; t psf ; f p Ndd ; . mij mtu ; tpUk;gpdhu ; . Mdhy; mtu; rpy ehl;fs; vLj;Jf; nfhz;lhu;. xUthuk; fopj;J mtiu ehd;


njhlu;G nfhz;lNghJ ,d;Dk; ghu;f;ftpy;iy vd;whu;. ehd; mtupd; mDkjp ngw;W mtu; tPl;bw; ;f ;F nrd;W mtuJ fzpzpapy; midj;J Mtzq;fisAk; fhz;gpj;Njd;. md;Nw mtu; FLk;gj;jpdu; midtUf;Fk; 4 ghyp]pfis vLj;jhu;. ,e;j epfo;r;rpapd; %yk; vdf;F Gyg;gl;lJ vd;dntd;why;> thbf;ifahsUf;F Nghjpa mtfhrk; nfhLj;jhy; KO gad; fpilf;Fk;. NkYk; mtuJ kdk ; j p Ug ; j p ailahky ; t p w ; gidf ; F rk;kjpf;fkhl;lhu;. thbf;ifahsu; mtuJ Njitf;F mtu;f;F rpuk-kpy;yhj Neuj;jpy; kl;LNk tpw;gidia mDkjpg;ghu;. 3. FiwghL:FiwghL:FiwghL:FiwghL: ,e;jtif kWg;G> ekJ jpl;lj;jpy; cs;s xU rYifia my;yJ gaid Fiwghlhf epidg;gJ. cjh uzj ;j p w ; f ; F MAs ; f hg ; g P l ; L j pl ; lq ; fs py ; fhg;gPL ,Uf;Fk;. mjdhy; fhg;gPl;bw;fhd fl;lzq;fs; (mortality charges) t#ypf;fg;gLk;. ,ij thbf;ifahsu; xU Fiwghlhf fUjyhk ; . Vndd;why; > fhg ;g Pl ;Lf; fl;lzq;fs; Kjpu;itf; Fiwf;Fk;. ,e;j kWg;ig ehk; ,Utopfspy; ifahsyhk;. fhg;gPL ,y;yhj NtWxU jpl;lj;ij gupe;Jiug;gJ my ;yJ fhg ; g P l ; bdhy ; tUk ; gyd ;fis gykhd Nkw ;Nfhs; fhl ;b Vw ;Wf ;nfhs;sitg ;gJ. mjhtJ Fiwghil njuptpj;jJk;> ngUk;ghYk; kw;w rYiffis r P u ; J}f ;f p fhz ;g pj ;jNy r pwe ;j to p . mg ; gbAk ; rk;kjpf;fhj rkaj;jpy;jhd; NtWjpl;lj;ij gupe;Jiuf;f Ntz ;Lk ; . e P q ; fs ; cldbahf NtW j pl ; lj ;ij gupe;Jiuj;jhy;> cq;fs; Nky; ek;gpf;if Vw;glhJ. vdNt ehd; Kd;G $wpaJNghy;> thbf;ifahsUf;F ve;j jpl;lk; Vw;wJ vd;W Kd;$l;bNa Nahrpj;J rpwe;j jpl;lj;jpid g u p e ; Ji u g ; g J ed ; W . Kjy p y ; e k f ; F , e ; j jpwik ,y;iy vd;why;> ekJ Nkyjpfhupapd; cjtpia ehLtJ ghJfhg;ghdJ. tpw;gid KOikahf;fy; ekJ Fw pf ; Nf hshf ,Ue ; j hYk ; mij new pjtwhky ; nra;tJjhd; ey;yJ. Mdhy; rpy thbf;ifahsu;fs; Ntz;Lnkd;Nw FiwghL $Wtjd; %yk; tpw;gidapypUe;J jg;gpf;fyhk; vd;W epidf;fyhk;. nghUikfhj;J njhlu;jNy top.


4. Njitapy;iy vd epidg;gJ:Njitapy;iy vd epidg;gJ:Njitapy;iy vd epidg;gJ:Njitapy;iy vd epidg;gJ: nghJthf MAs; fhg;gPl;Lj; jpl;lq;fis Njitapy;yhj xd;whfj;jhd; gyUk; Jtf;fj;jpy; epidg;ghu;fs;. mjhtJ kuzk; vy;NyhUf;Fk; tUk; vd;gJ njupe;jhYk; ekf;Fk; tuyhk; vd;gij czu;e;jtu; FiwNt. ekJ jpl;lj;ijNah> mjpYy;y rpy gad;fisNah Njitaw;wJ vd thbf;ifahsu; epidg;gJ. Nkw;fz;l Fiwghl;bw;Fk; Njitapy;iy vd;gjw;Fk; tpj;jpahrk; cs;sJ. mjhtJ FiwghL vd;gJ mJ ,Ug;gjhy; vj p u ; g h u ; f ; fFk ; gad ; FiwAk ; vd e pidg ; gJ . Njit ,y;iy vd;gJ mij kOikahf kWg;gJ. ,e;j kWj;jiy ehk; ifahs> kw;w rYiffs; gpbj;Js;sjh vd;gij xg;Gjy; thq;f Ntz;Lk;. mt;thW vj;jid gpw rYiffs; gpbj;Js;sJ vd;W xg;Gjy; thq;FfpNwhNkh> mijg;nghUj;J ehk; thbf;ifahsiu ,e;j Njit apy;iy vd epidf;Fk; gFjpia nghUj;Jf; nfhs;s Nfhupf;if tpLf;fyhk;. cjhuzj;jpw;f;F> thbf;ifahsu; A+ypg; ghyp]pfspd; cj;jputhjk; ,d;ikia Ntz;lhj (Njitaw ;w) xd;whf fUjpdhy ; > fle ;jfhy yhg tpfpjq;fis fhz;gpj;J> vjpu;fhy tsu;r;rp tha;g;ig Nkw;Nfhs; fhz;gpj;J> kw;wgpw rYiffshd kiwKfkw;w jd;ik ( t ransparency) > tisTj;jd;ik ( f lex ib i l i t y) Mfpatw;wpd; gad;fisf; $wp tpw;gidia KOik ahf;fyhk;. Nkw;$wpathW gytopKiwfs; ,Ue;jhYk;> ,lk;> nghUs; fUj p nray ;gl Ntz;Lk ; . r py Neuq ;fspy ; ,e ;j El;gq;fs; ngha;f;fyhk;. Mdhy;> cq;fsplk; cz;ikAk; tplhKaw;rpAk; ,Ue;jhy;> tpw;gid epr;rak; KOik ahFk;. nghJthf tpw;gid Kbj;jy; (sales closing) vd;Wjhd; $Wthu;fs;. Mdhy; ehd; gy ,lq;fspy; tpw;gid KO-ikahf;Fjy; (Sales completion) vd;W Fwpg;gpl;Ls;Nsd;. Vndd;why;> MAs; fhg;gPl;ilg; nghUj;jtiuapy; ghyp]p vLj;jgpd;du;jhd; thbf;ifahsUf;F ekJ Nrit mjpfk; Njitg;gLk;. ,J xU ePz;l cwtpd; njhlf;fNk.


ehk; rw;WKd; ghu;j;jtiuapy;> ghyp]p toq;f> thbf;ifahsu; Nghjpa mtfhrk; vLj;Jf;nfhs;thu;. ,J m t U i l a K O c u p i k . e h k ; n g h U ikahf ,Ue;jhy;jhd; ekf;F rhjfkhd Kbit mtu; vLf;f ,aYk;. ehk; Kjypy; Neupy; fz;L tpsf;fpf; $wpagpd;Gk;> mtUila kWj;jiy ifahz;l gpd;Gk; $l gw;gy fhuzq;fSf;fhf tpw;gid KOikahf;fy; js;spg;Nghfyhk; . Mdhy; ehk; epjhdkhfTk;> nghU ikahfTk ; mtiuj ; nj hl u Ntz ; Lk ; . nj hl u Ntz;Lnkd;why; mtu; gpd;dhNyNa nry;tJ my;y. mtu; ekJ njhlu;gpNyNa ,Uf;f Ntz;Lk;. xt;nthU tpsf;fpf;$wYf;Fg; gpd;> ehk; tpw;gid KOikahf;f Ntz;Lk; my;yJ mLj;j re;jpg;gpw;fhd xg ;Gjy; thq ;fNtz;Lk ; . mLj ;j re ;j pg ;g pd ; NghJ thbf;ifahsUf;F njspthf;f Ntz;bad my;yJ mtUf;f fhz;gpf;f Ntz;bad my;yJ Ngr Ntz;bad Mfpatw;iw jPu;khdpj;j gpd;dNu Neupy; tpsf;fpf; $Wk; nraiy epiwT nra;aNtz;Lk;. ,t ;thW nra ;tjhy ; kl ;LNk ehk ; vLf ;Fk ; Kaw;rpf;F cupa gyd; fpilf;Fk;. gy re ; j u ; gq ; fs py ; thbf ;ifahsu ; g p wF ghu;f;fyhk; vd;Wjhd; $Wthu;. Mdhy; ehk; vd;W> vq;F> ve;jtpj NkYk; tpguq;fSld; re;jpf;f Ntz;Lk; vd;gij cWjpg;gLj;jpa gpd;dNu Neupy; tpsf;Fjiy epiwTnra;a Ntz;Lk;. ,t;thW nra;tjhy; kl;LNk ehk; mu;j;jKs;s njhlu;jiy nra;a KbAk;. njhlu ; jy ; vd ; gJ cq ;fsJ ng hUikia Nrhjpf;Fk; xU epfo;thFk;. MAs; fhg;gPl;L Kftu;fSf;F nghUik Kf;fpa MAjk; my;yth? Neu;fhzy; tiu vspjhf ,Ue;j tpw;gid gbepiy ,g;NghJ


cq;fSf;F khWgl;l kdepiyia Vw;gLj;Jk; . rpy thbf ;ifahsu ; r u pa hf xj ;Jiog ; g h u ; . mLj ; j Neu;fhzYf;fhd xg;GjYk; rupahf mspg;ghu;. Mdhy; ngUk;ghYk;> thbf;ifahsu;fs; fhyk; flj;JtJ Nghyj; Njhd;Wk;. cz;ikapy; mtuJ vz;zk; cq;fis miy atpLtJ my;y. mtu ; ,d;Dk; kdjstpy ; jahuh ftpy;iy my;yJ ekJ jpl;lk; mtiu ftutpy;iy vd;gJjhd; ngUk;ghYk; cz;ik. Mifahy; njhlu;jy; vd;gJ tpw;gid nray;Kiwapy; kpf Kf;fpa gbahFk;. njhlu;jypd; El;gq;fs;: 1. njhiyNgrpapy; njhlu;jy;:1. njhiyNgrpapy; njhlu;jy;:1. njhiyNgrpapy; njhlu;jy;:1. njhiyNgrpapy; njhlu;jy;: njhiyNgrp ciuahly; vd;gJ xU fiy. ekJ thbf;ifahsu; ,g;nghOJ ek;ikg; gw;wpAk;> ekJ Nehf;fk; gw;wpAk; mwpe;jpUg;ghu;. vdNt njhlu;jypd; NghJ ePq;fs; ,U tp\aq;fis epidtpy; itj;jpUq;fs;. 1. cq;fis mtu; kwf;fhjthW njhlu;gpy; ,Uf;f Ntz;Lk;. 2. rupahd #oy; vg;NghJ fpilj;jhYk; mij gad;gLj;j Ntz;Lk;. vdNt njhiyNgr pa py ; njhlu ; G nfhz ;L epidTg;gLj;jTk; tpw;gid KOikahf;fYf;F mDkjp Nfl;fTk; jaq;f Ntz;lhk;. Mdhy; ehk; Kd;G $wpaJ Nghy ahu; ahiu ve;j Neuq;fspy; njhe;juT nra;af; $lhJ vd;gij njupe;J> cq;fsJ miog;G njhe;juthf mikahky; ghu;j;Jf;nfhs;sTk;. ,ilg;gl;l fhyj;jpy; VNjDk; gz;bif te;jhy; njhiyNgrpapy tho;j;Jq;fs;. xt;nthUKiw njhlu;G nfhs;Sk; NghJk;> cq;fis epidTg; gLj;Jq;fs;. ,t;thW nra;tjpdhy; mtu; fhg;gPL nra;Ak; epiyf;F tUk; rkak; cq;fis kwf;fkhl;lhu;. ehd; Kd;G $wpaJ Nghy ; > Neu py ; t psf ;f pf ; $Wk ; NghJ midj ;J jfty;fisAk; NrfupAq;fs;. mtu ; FLk;gj ;j py ; ahUf;NfDk; gpwe ;j ehs; mUfpy; tuyhk; my;yJ VjhtJ gz;bif tuyhk; . ,ijtpl mu pa re ; ju ; gk ; f pilf ;fhJ. xt ;nthU ciuahly; kw;Wk; re ;j pg ;g pd; NghJk; e Pq ;fs; xU gbNaDk; mtUf;F neUf;fkhf Kaw;rp nra;Aq;fs;. ePq;fs; cq;fis tpw;fhky; fhg;gPil tpw;f KbahJ.


2. Neupy; re;jpj;jy; %yk; njhlu;jy;: 2. Neupy; re;jpj;jy; %yk; njhlu;jy;: 2. Neupy; re;jpj;jy; %yk; njhlu;jy;: 2. Neupy; re;jpj;jy; %yk; njhlu;jy;: ,e;j njhlu;jy; Kiwia ehk; kpfTk; rhJu;akhf ifahs Ntz;Lk;. xj;Jiof;Fk; thbf;ifahsuplk; mDkjp ngw;Nw Neupy; nry;yhk;. mt u ; v j ; jid Kiw t u r ; n r h d ; d hYk ; nry ;Yq ;fs ; . Vndd ;why ; xt ; nthU j pUg ; j pahd thbf;ifahsUf;F gpd; gy thbf;ifahsu; mtu; %yk; fpilg;gJ cWjp. thbf;ifahsuhf tpUg;gkpy;yhky; cs;s egu;fsplKk; ehk; njhlu;gpy; ,Uf;f Ntz;Lk;. Vndd;why; jpwikahd tpw ;gidahsu ; jdJ ve;j Kaw;rpiaAk; tPzhf;f khl;lhu;. mDkjpapd;wp mtiu Neupy; re;jpg;gJ vjpu;kiwahf KbAk;. mJTk; mtuJ t P l ; b w ; F mD k j p a p d ; w p n r y ; t J > m t i u ntWg;gilar;nra;Ak;. Mdhy; r py re ;ju ; gq ;fis e Pq ;fs ; vspj py ; gad;gLj;jpf; nfhs;syhk;. cjhuzj;jpw;F gz;bif> gpwe;jehs; Mfpatw;wp ;w;F VjhtJ cq;fshy; ,ad;w (thbf;ifahsu; tpUg;gk; njupe;jpUe;jhy; kpf ed;W) gupRld; Neupy; nry;yyhk;. ,t;thnwy;yhk; ehk; Vd; nra;a Ntz;Lk;? ehd; kPz;Lk; nrhy;fpNwd;> ePq;fs; cq ;fis t pw ;fhky ; ghy p] pia tpw ; f KbahJ. Vndd;why;> jpl;lq;fistpl tpw;gidahsu; Kfkjpg;G tpw;gid KOikahf;fypy; ngUk; gq;F tfpf;fpwJ. 3. gpw Clfq;fs; %yk; njhlu;jy;:3. gpw Clfq;fs; %yk; njhlu;jy;:3. gpw Clfq;fs; %yk; njhlu;jy;:3. gpw Clfq;fs; %yk; njhlu;jy;: ,e;j Kiwia ehk; midj;J thbf;ifahsUf;Fk; nra;ayhk;. Fwpg;ghf Ntz;lhnkd;W tpyf;fpa thbf;ifahsiu njhlu;gpy; itf;fTk;> mtuplk; ed;kjpg ;ig ngwTk; ,e;j top cjtpnra ;f pwJ. g pw Clfq ;fs ; vd ;gJ fbjk ; > kpd;dQ;ry;> FWe;jfty; (SMS) mDg;Gjy; kw;Wk; gpw MFk;. ,t;topapy; ehk; vjpu;ghuhj gyd; fpilf;Fk;. ehk; re ; j pf ;ifa py ; mtu pd ; ed ;kj pg ;ig ngwt py ;iy vd;whYk; > ,k;Kiwapy ; ngw KbAk; . ,t;topapy; g y d ; f s ; c l d b a h f f p i l f ; f h J . e h k ; njhlu ;r ;r pahf ,k;Kiwia nra;tjhy ;jhd ; gyd; fpilf;Fk; . rpy Kiw njhlu;e ;J tpl;L gpd; Neupy; re;jpj;jhy; ey;y gyd; fpilf;Fk;.


mZFjy ; > Neu ; f hzy ; kw ;Wk ; njhl u ; jy ; Mfpatw;wpd; NghJ ehk; nghJthf rpy xOf;f tpjpfis filgpbf;f Ntz;Lk;. thbf;ifahsu; vd;W te;Jtpl;lhy; ahuhf ,Ue;jhYk; mtu; kpfTk; kupahijf;F cupatu;. Ngr ;rpy ; nraypy; ehk ; fz;zpaj;ijiaAk; kupah ijiaAk; filgpbf;f Ntz;Lk;. ,e;j rkaj;jpy; kpfTk; nghUe;Jk; xU epfo;T. 2003k; Mz;L vdJ KftUk; ehDk; ntspehl;bypUe;J te;Js;s mtuJ ez;gupd; kfdplk; ghyp]pgw;wp tpsf;f mtuJ tPl;bw;F nrd;wpUe;Njhk;. vdJ Kftu; gioa epidtpy; kpfTk; mjpfhuj;NjhL thbf;ifahsuplk; ele;J nfhz;lhu;. thbf;ifahsUk; kupahij epkpj;jkhf mikjpahf ele;Jnfhz;lhu;. Mdhy; filrptiu ghyp]p vLf;f Kbatpy;iy. thbf;ifahsu; vdJ Kftuplk; mofhf fhuzq;fis nrhy;ypte;jhu;. Mdhy; xUthuk; fopj;J NtWxU KftUf;F mtu; 2yl;rk; gpu pkpak; n rY j ; j p a J n j u p a t e ; j J . e h d ; K ft u p l k ; nrhy;ytpy;iy. vq;fSf;F gpupkpak; fpilf;ftpy;iy Mdhy; vdf;F ey;y ghlk; fpilj;jJ. mZFjypy; ehd; $wpatw;iw xt;nthUKiwAk; gad;gLj;Jq;fs; . ,g;gb nra;tjd; %yk; > Kjypy; ntWj;j gy thbf;ifahsu; gpd;du; FLk;g ez;guhd fijfs; Vuhsk;. njhlu ;jiy xU thbf ;ifahd Ntiyahf nra;Aq;fs;. ,jdhy; cq;fSf;F ,og;NgJk; ,y;iy. ehd; 6 tUlq;fs; fopj;J xU thbf;ifahsuplk; ghyp]p thq;fpapUf;fpNwd;. jpUr;rpapy; 2004k; tUlk; jpU. KfkJ E}u;jPd; vd;gtiu mZfp tpsf;fp tpw;gid KOik milahky ; ,Ue ;jJ . gy re ;ju ; gq ; fs py ; mtu ; xg ;Gf ;nfhs ;stpy ;iy. Mdhy; mtUldhd el ;ig ts u ; j ; J nj h l u ; e ; J n f hz ; N l ,Ue ; N jd ; . gy tUlq;fSf;Fg; gpwF2010k; Mz;L Vg;uy; khjk; mtu; mtUf;Fk ; mtuJ kidtpf ;Fk ; ghyp]p vLj ;jhu ; . fpl;lj;jl;l 6 Mz;Lfs; njhlu;gpy; ,Ue;jjhy;jhd; mtu; vdf ;F thbf ;ifahsuhf Mdhu ; . mw ; w Fsj ;J mUe P u ; g ; gwit Nghy ehk ; jhTtjhy ; ek ;Kila ciog;Gjhd; tPzhFk;. njhlu;jypd; Kf;fpaj;Jtk; ,g;nghOJ Gupfpwjh?


t p w ; gid KOikailjy ; vd ; gJ xU Kf;fpakhd epfo;T. mjid ghjpf;Fk; fhuzpfs; Vuhsk;. cjhuzj;jpw;F> epjp epiyik> rkPgj;jpy; tu ,Uf;Fk; nryT> me;j ,lj;jpy; ,Uf;Fk; kw;w egu;fs;> md;wa ehs;> cly; epiy ,g;gb vJthfTk; ,Uf;fyhk;. ehk; kdk; jsuhky; mLj;j gf;fj;jpy; cs;s nray; tbtikg;gpd; gb njhlu;e;J nray; glNtz;Lk;. Kjy; MAs;fhg;gPl;L tpw;gid vg;NghJk; mjpf Neuk; vLj;Jf;nfhs;Sk;. Mdhy;> kWtpw;gid kpf vspjhf mikAk; . mJTk; ehk ; vt;thW Nrit nra;fpNwhk; vd;gijg;nghUj;J mikAk;. , e ; j x U e p f o ; T f ; f h f j ; j d ; e h k ; fhj ;J ,Ue ; Njhk ; . ekJ gy ; NtW efu ;TfSk ; mZFKiwAk; ,ij Nehf;fpj;jhd; ,Ue;jJ. tpw;gid KOikahf;fy; thbf;ifahsu; ekJ jpl;lj;jpid thq;f KbTnra;jgpd; epfOk;. ,e;j rkaj;jpy; ehk; nghUg;Gld; nray;gl Ntz;Lk;. rpW Njitaw;w Ngr;R $l tpw;gidia Kwpabf;fNth> js;spg;NghlNth my;yJ gpupkpaj;ij Fiwf;fNth nra;Ak;. rpy Neuq;fspy; ek;khy; ,e;j khw;wj;jpw;fhd fhuzj;ij czu KbahJ. Vd ; e hd ; ,g ; g b $Wf p N wd ; vd ; w hy ; > t h b f ; i f a hs u ; t p w ; g i d KOika h f ; f y ; e p fo ; t pd ; N g hJ ftdKld ; ,Ug ; g h u ; . e hKk ; mt;thNw ,Uf;f Ntz;Lk;. gzf;fhu thbf;ifahsu; jkJ jFjpf;F Fiwthd gpupkpak; nrYj;Jifapy; kpfTk; rhjhuzkhf ,Ug;ghu;. ,t;thW tUk; gpupkpak; ngUk;ghYk; tpw;gidahsu; Kfkjpg;gpw;fhf tUtNjh my;yJ ek;ik jpUg;jpg ; gLj;jNthjhd; jUthu; . M d h y ; n g U k ; g h y h d r k a q ; f s p y ; e h k ; thbf;ifahsiu jpUg;jpg; gLj;jp gy re;Njfq;fis jPu;j;Jjhd; ghyp]p vLf;fpNwhk;. gzk; mjpfKs;s


thbf;ifahsuhf ,Ue;jhYk; gzj;ij Njitapd;wp KjyPL nra;a khl;lhu;fs;. vdNt> tpw;gid KOik ahf;fk; rkak;> thbf;ifahsu; kdepiy vg;NghJk; ,Ug;gijtpl rw;W khWgl;L ,Uf;Fk;. ,e;j rkaj;jpy; xU r pW Ntz;lhj e pfo ;T$l ekJ tpw ;gidia ghjpf;Fk;. 2004k ; Mz;L xU ngupa tpahghupaplk; ehd; nrd;wpUe;Njd;. gyKiw Neupy; tpsf;fpf;$wYf;F gpwF xUehs ; mtu p lk ; t p w ; gid KOikahf ; fYf ;F nrd;wpUe;Njd;. mg;NghJ vd;Dld; $lte;jpUe;j egu; mtUf;F Vw;nfdNt njupe;jtu;. thbf;ifahsu; cjtpahsiu mioj;jhu;. (nrf; Gj ;jfj ;ij vLj ;Jtur ; nrhy ;yNt mioj ;jhu ; ) . me ;j ,ilg ;gl ;l Neuj ;j py ; cld; te ;j pUe ;jtu ; > t h b f ; i f a h s U f ; F r k P g j ; j p y ; tz p f j ; j p y ; thbf;ifahsUf;F ele;j tUe;jj;jf;f epfo;it epidT $u;e ;jhu ; . xU mf;fiuapy; mt;thW nra;Jtpl;lhu ; . ,jdhy;> thbf;ifahsu; me;j epfo;itg;gw;wp NfhgKld; Ngrj ; Jtq ;f pt pl ; lhu ; . filr pa py ; cs ;Ns te ;j cjtpahsuplk; nrf;Gj;jfj;jpw;F gjpyhf 3NgUf;Fk; B thq;fptur; nrhy;yptpl;lhu;. ,jdhy;jhd; tpw;gid KOikahf;fypd; NghJ Njitaw;w NtiyfisAk; Ngr;Rf;fisAk; jtpu;f;f Ntz;Lk;. tpw;gid KOikahf;fypd; NghJ nra;a Ntz;bad:tpw;gid KOikahf;fypd; NghJ nra;a Ntz;bad:tpw;gid KOikahf;fypd; NghJ nra;a Ntz;bad:tpw;gid KOikahf;fypd; NghJ nra;a Ntz;bad: 1. e P q ; fs ; G + u ; j ; j p n ra ; Ak ; t pz ;zg ; g gbtk ;

Gjpjhf ,Uf;f Ntz;Lk;. 2. cq;fsplk; Njitahd nghUl;fs; ,Uf;f Ntz;Lk;.

Ngdh 2> ngd;rpy;> gir> ];Nlg;su;> vOjhj Ngg;gu; Mfpad. thbf;ifahsuplk; ve;j nghUisAk; ,uty; thq;fhjPu;fs;. ,J rpyiu ntWg;gilar; nra;Ak;.

3. Njitahd jfty; kw;Wk; Mtzq;fis mg;NghNj thq;f pf ; nfhs;Sq;fs; . jhkjpj ;jhy ; > tpw ;gid Kwpaf;$l tha;g;Gz;L.

4. n[uhf;]; Nghd;w cjtpfs; Njitg;gl;lhy; ePq;fNs nrd;W vLj;JthUq;fs ; . ,y;iyNay; > mg ;Gwk ; jUtjhf $wptpLthu; . gpd; mtu; kdk; khwf;$l tha;g;G cz;L.


5 . ve ;jxU t p\aj ;ijAk ; mg ; Gwk ; vd ;W t pl ;L tplhjPu;fs;. 6. $Lkhdtiu mjpfk; NgrhjPu;fs;. 7. gpupkpaj;ij $l;lNtz;b thbf;ifahsiu mjpfkhf mOj;jhjPu;fs;. ,jdhy; cs;sJk; Ngha;tpLk;. 8. vy;yh NtiyfSk; Kbe;jgpd; > vg ;nghOJ urPJ jUtPu ; > vg ;NghJ ghyp]p gj ;j puk ; tUk; > kUj;Jt gu pNrhjid ,Uf;Fkh vd;w tptuq ;fis ru pahf njuptpAq;fs;. nrhd;dij fhg;ghw;Wq;fs;. 9. Kiwg;gb Mtzq;fis mYtyfj;jpy; nrYj;jp tpiu tpy; mtUf;F ghyp]p gj;jpuk; fpilf;fr; nra;Aq;fs;. 10. ghyp]p gj;jpuk; te;jTld;> thbf;ifahsuplk; ePq;fs; nrhd;d rYiffs; gj;jpuj;jpy; gjpthfp ,Ug;gij fhl ;Lq;fs; . NkYk; xUKiw ghyp]p jpl ;lj ;j pid tpsf;Fq;fs;. ,g;gb nra;tJ cq;fs; kPJ ed;kjpg;ig Vw ;gLj ;Jk ; . mjdhy ; cq;fSf;F r pghu pR clNd fpilf;Fk; . rpghu pR vd;gJ thbf;ifahsu ; mtuJ ez;gu;fis ghyp]p vLg;gjw;fhf cq;fSf;F mwpKfk; nra;Jitg;gJ. 11. ghyp]p gj;jpuj;ij tpsf;fpagpd; jhuhskhf rpghupR NfSq;fs;. ,g;gbr;nra;tjpdhy; kl;LNk ePq;fs; mwpahj e g u ; fisAk ; mila KbAk ; . ,Jti u $w p a midj;ijAk; ePq;fs; nra;jhy; ePq;fs; Nfl;l clNdNa rpghu pR f pilf ;Fk ; . ehd ; ,ij mDgtg ;G + u ;tkhf czu;e;jpUf;fpNwd;. 2004k; Mz;L xU ntspehl;by; Ntiynra;gtiu ghyp]p vLg;gjw;fhf> vdJ KftUld; re;jpj;Njd;. gyKiw re;jpg ;gpw;F gpwF &5000 gpupkpak; je;jhu; . Mdhy; mtUf;F ehq;fs; mspj;j Nritia ghu;j;J tpUk;gp 8 khjq;fSf;Fs;shfNt mtUk; rpghupR %yKk; &gha; 8 yl;rq;fs; gpupkpakhf fpilf;f cjtpdhu; . rpghupR thq;FtJ ,e;j njhopypd; Rthrk; Nghd;wJ.


ngUk;ghyhdtu;fs;> tpw ;gidf;Fg; gpd; vd;d nra;a Ntz;b ,Uf;fpwJ? vd;Wjhd; epidf;fpwhu;fs;. ,J nghUs; tpw;giday;y> uapy;Nt epiyaj;jpy; czT tpw ; gtDf ;F Ntz ;Lkhdhy ; t pw ; gidf ;Fg ; g pd ; thbf;ifahsUld; ve;j njhlu;Gk; ,y;yhky; ,Uf;fyhk;. Mdhy;> ekJ tzpfj;jpy; ehd; Kd;G $wpaJ Nghy> tpw;gid KOikahf;fy; xU ePz;l fhy cwtpw;fhd Jtf;fk;. tpw;gidahsupd; Kd;khjpupAk;> cyf rhjid tpw;gidahsUkhd jpU. fpuhu;ljpU. fpuhu;ljpU. fpuhu;ljpU. fpuhu;l; vd;gtu; jdJ ntw;wpapd; ,ufrpaj;ij ,t;thW $Wfpwhu;. “vd;idg; nghUj;jtiu ehd; vg ;NghJk; xU thbf;ifahsiu xd;W vd;W epidg;gj py ;iy. cyfpy ; xt;nthUtUf;Fk ; ed;F mwpKfkhd 250 egu;fs; njupe;jpUf;Fk;. ehd; xUtiu mjPj jpUg;jp gLj;Jjyhy; > vdf;F mtUila 250 njupe ;j egu ;fisAk; thbf;ifahsuhf;Fk; tha;g ;G fpilf;fpwJ” . vd;idg; nghUj;jtiu jpU. fpuhu ;l ; $wpaJ Kw;wpYk; cz;ik. tpw;gidf;F gpwF ePq;fs; cq;fsJ midj;J thbf;ifahsUlDk; njhlu;gpy; ,Uq;fs;. cq;fshy; ,ad;w gpw cjtpfis nra;Aq;fs;. ez;guhFq;fs;. tpw;gidf;Fg; gpd; nra;af;$lhjit: 1. cq;fs; njhiyNgrp my;yJ miyNgrp vz;iz

mbf;fb khw;whjPu;fs;. ,J cq;fs; njhlu;gpy; ,Ue;j gyiu cq;fistpl;L tpyf;fpr; nrd;WtpLk;. mg;gb vz;iz khw;wpdhYk;> cldbahf thbf;ifahsUf;F njuptpAq;fs; . ,jdhy; ed;kjpg ;G cz;lhtNjhL njhlu;Gfs; tpl;Lg;NghfhJ.


2 . thbf ;ifahsUila miog ;ig ve ;j fhuzk ; nfhz;Lk; jtpu;f;fhjPu;fs;. miog;ig vLf;Fk; #oypy; ,y;iynad;why; kPz;Lk; mtiu mioAq;fs;.

3. cq;fSila miyNgrpia mbf ;fb midj;J itf;fhjPu;.

4 . thbf ;ifahsu ; Neu py ; re ;j pf ;f t pUk ; g pdhy ; > tpw;gidf;F Kd;gpUe;j mNj Mu;tj;Jld; nray;gLq;fs;.

5. thbf;ifahsUf;F jpl;lg; gydpy; VNjDk; gpur;rid vd;why; Xb xspahjPu ; . ePq;fs; xspe;jhy; gpur;rid gd;klq;fhFk; NkYk; ePq;fs; ed;kjpg;ig kPz;Lk; mil a Nt Kba hJ . k h w h f vijAk ; N e u ; i kAld ; vj p u ; n f hs ;Sq ; fs ; . t h bf ; ifa hs u ; cq ; fis Vw;Wf;nfhs;Sthu;.

6. tpw;gidf;F Kd;gpUe;j mNj gzpT> nghUg;G kw;Wk; Ntfj;Jld; thbf;ifahsiu mZFq;fs;. Vndd;why;> tpw;gidf;Fg; gpd; thbf;ifahsu; cq;fis kl;LNk ek;gpAs;shu;. cq;fsJ eltbf;ifapy; Vw;gLk; khw;wk; mtiu NfhgkilaNth> fyf;fkilaNth my;yJ ntWg;gilaNth nra;Ak; . ePq;fs; tpw;gidf;F Kd; ebf;ftpy;iy vd;why; ,e;j gpur;rid ,Uf;fhJ.

mAs;fhg;gPl;Lj; njhopypd; gyNk ePz;lehs; tUkhdk; MFk;. ePq ;fs; nra;Ak; ey;y nray;fs; kw;wtuplk; nkJthfj;jhd; guTk;. Mdhy;> rpW jtW $l kpf tpiu thf guTk;. kdjstpy; ehk; njspthfTk;> kdrhl;rpf;F gag;gLgtuhfTk; ,Ug;gJ> ePz;lehs; ,e;j njhopiy nra;a kpf mtrpak;. mg;gb ,y;yhjtu;fs; tpiutpy; ,e;j tzpfj;ijtpl;L tpyFthu;fs;.

,e ;j E}ypy ; $wg ;gl ;l midj;Jk ; vd; xUtdpd; mDgtNkh fUj ; Njh my ;y . gy E}W egu ;fis ftzpj;Jk;> fye;jhNyhrpj;Jk; ngw;w fUj;Jfs;. ,it e pr ; rak ; cq ;fSf ;F cjtpahf ,Uf ;Fk ; vd ;W ek;GfpNwd;.


tpw;gidf;Fg; gpd; nra;Ak; Nritia vj;jidNah Mapuf ;fzf;fhd Kftu ;fs; ntFrpwg ;ghf nra;J tUf pwhu ; fs ; . mtu ;fs pd ; tUkhdk ; vd ;nwd ;Wk ; jilapd;wp ngUfpf; nfhz;Nl tUfpwJ. vd;whYk; vdf;F ed;F njupe ;j xU rhjid Kftupd; eilKiwia cjhuzkhf $WfpNwd;. mtu; ngau; jpUkjp. ckhNjtp RFkhu;. jpU.RFkhu; mtuJ fztu;. jpUkjp. ckhNjtp mtu;fs; xU jdpahu; MAs; fhg;gPl;L epWtdj;jpy; Kftuhf fle;j 2005k; Mz;L Kjy; cs;shu;. ,tu;fs; ,UtUk; ,ize;J> KO <Lghl;Lld; ,e ; j njho piy xU g p uj hd njho pyhf nra ;J tUfpwhu;fs;. ,e;j njhopYf;F Kd;dNk rpy njhopypy; gq;FjhuuhfTk;> NtWxU njhopiy nra;Jk; tUfpwhu;fs;. ,e;j jk;gjpaUf;F jpUr;rpapy; ey;y el;G tl;lhuk; cs;sJ. jpUkjp. ckhNjtpaplk; ehd; Neupy; ciuahLk; rkak; mtu; vg;NghJk; ngupa ,yf;FlNdNa NgRthu;. mtu;fs; Kjyhk; Mz;L jq;fs; el;G tl;lhuj;jpNyNa MDRT vDk; cyf MAs; fhg ;g Pl ;L KftUf;fhd rq;fj;jpy; ngUikkpF cWg;gpdu; Mdhu;fs;. NkYk; me;j gFjpapd; rpwe;j Kftuhftk; Mdhu;fs;. ,uz;lhk; tUlKk;; ,e;j rhjidia epfo;j;jpdhu;fs;. rpwpa gpupkpa tpj;jpahrj;jpy; 3k; tUl MDRT jFj pia eOt t pl ; l h u ; fs ; . Mdhy ; 4k ; tUlk ; kpfr;rpwg;ghf jpl;lkpl;L kPz;Lk; rhjpj;jhu;fs;. ,e;j jFjpf;F nuFyu; gpupkpakhf 30yl;rq;fs; xt;nthU Mz;Lk; Nru;f;f Ntz;Lk;. mtu;fspd; ,e;j rhjid jtpu gw;gy rhjid-fisAk; me;j epWtdj;Js; nra;Js;shu;fs;. njhlu;e;J 4 Mz;Lfs; vg;gb ,t;tsT mjpf tzpfk; mtu;fshy; nra;a KbfpwJ? mjw;fhd tpil kpfr; rhjhuzkhdJ. 1. mtu;fs; jpde;NjhWk; ,e;j njhopYf;fhf Nghjpa Neuj;ij nrytpLfpwhu;fs;.


2. re;jpf;Fk; midj;J egu;fsplKk; jhd; MAs; fhg;gPl;L Kftuhf ,Ug;gijAk;> mjpy; rhjpj;Js;sJ gw;wpAk; njuptpf;fpwhu;fs;. 3. mtu;fsJ thbf;ifahsu;fSila midj;J ghyp]p rk;ge;jg;gl;l jfty;fSk; jahuhf itj;jpUf;fpwhu;fs;. 4. ghyp]pgw;wp Ngr tpLgl;l egu;fspd; gl;baYk; jah uhf ,Uf;Fk;. 5. thbf;ifahsUld; vg;NghJk; eyk; tprhu pf ;Fk; nghUl;L njhlu;gpy; ,Uf;fpwhu;fs;. 6. thbf;ifahsUf;F ghyp]p gj;jpuk; nrd;w cld; jukhd Nfhg;G (file) xd;Wld; nrd;W mjpy; gj;jpukhf itj;Jtpl;L gpd;du; tpsf;Ffpwhu;fs;. 7 . thbf ;ifahsu pd ; ve ;j xU tpNr\q ;fSf ;Fk ; kwf;fhky; Neupy; nrd;W gq;Fnfhs;fpwhu;fs;. 8 . thbf ;ifahsUf;F NtW ve ;j cjtpahdhYk ; ,ad;wtiu nra;fpwhu;fs;. 9. efupd; Kf;fpa rq;fq;fspy; jq;fis ,izj;J mtw;wpd; nray;ghLfspy; gq;FngWfpwhu;fs;. 10. el;G tl;lq;fis ehSf;F ehs; ngUf;fpf; nfhz;Nl nry;fpwhu;fs;. 11. thbf;ifahsupd ; KjyPl ;L epiyia mbf;fb Fwpj;Jf;nfhz;L> mtu;fs; Nfl;Fk; rkak; cldbahf njuptpf;fpwhu;fs;. 12 . Kj pu ;T fhyk ; neUq ;Fifapy ; Kd ;djhfNt thbf;ifahsuplk; njuptpj;J mtUf;F jFe;j MNyh rid toq;Ffpwhu;fs;. 13. fpisapy; elf;Fk; ve;jxU gapw;rpiaAk; jtu tpLtjpy;iy. 14. mbf;fb fpis mYtyfj;jpw;F nrd;W elg;Gfis njupe;J nfhs;fpwhu;fs;. 1 5 . jq ; fSila tUkhdj ;ij Kd ;d pWj ; j hky ; thbf;ifahsupd; gaidNa Kd;dpWj;jp tpw;fpwhu;fs;. Nkw;$wpa 15 jfty;fisAk; kPz;Lk; gbAq;fs;. ePq;fSk; ,tw;iw nra;jhy; ve;j ,yf;Fk; vspNj.


Mrpupaiug;gw;;wp:Mrpupaiug;gw;;wp:Mrpupaiug;gw;;wp:Mrpupaiug;gw;;wp: ,e;j E}ypd; Mrpupau; jpU. gpurd;dh ntq;fNlrd; fle;j 7 tUlq;fshf MAs; fhg ;g Pl ;Lj ; Jiwapy; tzpf Nkshsuhf gzpahw ;w patu; . rpwe;j K f t u ; f i s A k ; > t p w ; g i d N k s h s u ; f i s A k ; > f p i s Nkshsu ;fisAk ; cUthf ;f patu ; . NkYk; NtW Jiwfspy; rpy gd;dhl;L epWtdq;fspYk; gzp Gupe;Js;shu; . jw;NghJ ntl;bfy; g;uhf;u]; vDk; RaKd;Ndw ;w gapw ;r p e pWtdj;ij Jtq;fpAs;shu;.

MAs; fhg;gPl;L Kftu;fSf;Fk;> tpw;gid Nkshyu;-fSf;Fk; cjtpGupAk; ,e;j E}iy fle;j 3 tUlq;fshf Kad;W vOjpAs;shu;. ,e;j E}ypy; cs;s tpw;gid kw;Wk; tzpf EZf;fq;fs; ngUk;ghYk; mDgtq;fspy; ,Ue ;J ngwg ; gl ; litNa . vdNt ,e ; j E }y py ; $wg ;gl ;Ls ;s gapw ;r pfs ; ehk ; md;whlk ; gzpapy ; gad;gLj;jf;$ba vspikahd gapw;rpfNs. epr;rak; ,e;j E}y ; Gj pjhf Jtq ;Fk ; Kftu ; kw ;Wk ; t pw ; gid Nkshyu;fSf;Fk;> MAs; fhg;gPl;L tpw;gid njhopypy; rhjpf;fj; Jbf;Fk; mDgtKs;s KftUf;Fk; kpf;f gaDs;sjhf ,Uf;Fk;. cq;fsJ fUj;Jf;fis

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Tamil Life Insurance Guide

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