- 58 - jha;tPL • khu;r; 2008 tPl;bd; nryitf; ftdpg;gJ vg;gb? tPl;L chpikahsuhf ,Ug;gJ vd;gJ xU nryT mjpfhpj;j nghpa nghWg;gh Fk;. Mdhy;> rhpahd jpl;lk; ,Ue;jhy; ,J xU nghpa nghWg;ghf mikahJ. Kf;fpakhd nghWg;G vd;gJ rhpahd BudgetIg; NghLtjhFk;. mjhtJ cq;f sJ Spending plan rhpahf mikjy; Ntz;Lk;. $LjyhdtHfs; jkJ tPl;Lr; nryitf; fl;Lg;gLj;j KbahJ f\;lg; gLtJ mtHfs; jq;fsJ nryitf; fl;Lg;gLj;j KbahJ ,Ug;gjhyhFk;. Kjypy; cq;fsJ jw;Nghija khjhe;j> tUlhe;j nryTfisf; fzf;fpy; nfhz;L mj;Jld; tug;NghFk; Gjpa nryTfisAk; Nru;j;Jf; nfhs;sy; Ntz;Lk;. jw;Nghija nryTfSf;F> cjhuzkhf> Car nryTfs;> Credit card nryTfs;> Basic expenses (czT> cil> kUe;Jfs;) vd;gdtw;iwr; nrhy;yyhk;. tPl;L Insurance, Property tax, Mortgage payments vd;gd Gjpa nryTfspy; mlq;Fk;. khjhe;jr; nrythf> cq;fsJ %d;W khjr; nrytpd; ruhrupia vLj;Jf; nfhs;Sq;fs;. mj;Jld; mtrukhfr; nry;Yk; Super market nryT> Car repairs, Holidays> gpwe;jehs; Giflt nryTfs;> Coffee, Newspaper> kjpa czTr; nryT vd;gdtw;iwAk; fUj;jpy; nfhs;s Ntz;Lk;. mj;Jld; Foe;ijg; guhkupg;gpw;fhf Baby sitter w;Ff; nfhLf; Fk; khjhe;jf; fl;lzj;ijAk; Nru;j;Jf; nfhs;Sq;fs;. mj;Jld; cq;fsJ Credit card ,dJ epiyikiaAk; mwpe;J nfhs; tJ ey;yJ. mg;gbahf Credit Card mjpf fld; ,Ue;jhy; mij NtW VjhtJ topahf fl;b Kbg;gJ ey;yJ. rpy Credit Card Company fs; cq;fsJ Credit Card fld;fis xU Cardy; NghL tjhy;> Fiwe;j tl;btPjj;jhy; xd;W NrHg;gjw;F mDkjpaspg;ghHfs;. mt; topahy; cq;fsJ Credit Card flid xU khjhe;jf; fl;lzkhff; fl;b Kbg; gjw;F cjtpahf ,Uf;Fk;. ,y;yhtpby; cq;fsJ tPl;by; ,Ue;J flid vLg; gjhy; (mjhtJ Home equity loan) Fiwe;j tl;bAld; Credit Card If; fl;b Kbf;f KbAk;. MfNt ,e;j Budget MdJ cq;fsJ tUkhdj;jpw;F Vw;wthW cq;fsJ nryTfis mikg;gjw;F cjtpahf ,Uf;Fk;. Vd; vg;NghJ tPl;il tpw;f Ntz;Lk; rhjhuzkhf ehd;F Kf;fpakhd fhuzj;jpw;fhf tPl;L chpikahsHfis tPl;il tpw;ghHfs;. 1. Financial and Market epiyikfs; 2. Ntiyfspy; khw;wk; 3. tPl;Lg; gpur;rpidfs; 4. tho;f;if Kiwapy; khw;wk; mNjNeuj;jpy jw;NghJ Gjpa fhuzk; xd;Wk; NrHf;fg;gl;Ls;sJ. mjhtJ Fiwe;j tl;b tPjk;. $Ljyhf Financial and Market Conditions fSf;fhf tPl;L chpikahsHfs; tPl;il tpw;gJ tof;fk;. mtHfs; jq;fsJ tho;f;if apy; f\;lg;gl;L cioj;j gzk;> Neuk; vd;gtw;iw ,e;j tPl;by; nrytopj;J ,Ug;ghHfs;. MfNt mijr; rhpahf tpw;gjw;F jFjpahd xU Real Estate agentI mZFtJ mtrpak;. ehq;fs; $Ljyhff; Buyer’s and seller’s Market vd;gijf; Nfl;gJ tof;fk;. mjhtJ $Ljyhd tPLfs; Markety; tpw;gjw;F ,Ue;jhy; mJ Buyer’s Market. mNj Neuj;jpy; mjpfkhd tPLfs; thq;FgtHfSf;F Markety; tPL ,y;yhtpl;lhy; mJ Seller’s Market MfNt ePq;fs; gzj;ijf; $lg; ngw tpUk;gpdhy; Seller’s Markety; tpw;gjhy; $Ljyhd gzj;ij cq;fs; tPl;by; ,Ue;J vLj; cyfj; jkpou; r%f E}yfk; cq;fis miof;fpwJ! Gyk;ngau; ehLfspNyNa kpfg; ngupa E}yfk;! 15>000f;Fk; Nkw;gl;l jkpo; E}y;fs;! rpWtu; Kjy; ngupNahu;tiu gad;ngwf;;$ba E}y;fs;! tUlnkhd;wpw;F 200f;Fk; Nkw;gl;l Gj;jfq;fis thrpf;ff;$ba mjpu;];lk;! ,izaj;jsk; www.tamillibrary.ca Ig; ghu;itapLq;fs;. ,d;Nw mq;fj;jtuhfpg; gad; ngWq;fs;. njhlu;GfSf;F: 39, Cosentino Dr. Scarborough, ON M1P 3A3 Midland & Progress Tel: (416) 335 0622 Jf; nfhs;syhk;. mNj Neuj;jpy; ePq;fs; tPl;il tpw;Wg; gpd;G thq;Ftjhf ,Ue; jhy; cq;fs; Financey; vJtpj khw;w Kk; tukhl;lhJ. Seller’s Markety; cq;f sJ tPl;il tpiuthff; $Ljyhd tpiyf;Fk; tpw;ff;$bajhf ,Uf;Fk;. Employment Changes: cq;fs; Ntiyapy; khw;wk; tUk;NghJ mjhtJ NtW NtiyNah my;yJ gjtp caHNth tUk;NghJ tPl;il tpw;W Gjpa ,lj;jpw;Fg; Nghfj; Njit Vw;gLk;. mj;Jld; Family issues xU fhzk; MfTk; ,Uf;Fk;. mjhtJ> tPl;by; xU Foe;ij gpwg;gjhNyh gps;isfs; tsH tjhy; $ba ,lk; Njitg;glyhk;. MfNt ,e;j Neuj;jpy; tPl;il tpw;gJ xU mj;jpaha Njitahf khWfpd;wJ. mj;Jld; Life Style Changes mjhtJ ePq;fs; Xa;T vLf;Fk; fhyk; neUq;F tjhf ,Ue;jhy; ePq;fs; rhpahd Neuj;jpy; tPl;il tpw;Wtpl;Lg; Gjpa ,lj;jpw; Fg; Nghtjw;F cjtpahf ,Uf;Fk;. vd;d fhuzkhf ,Ue;jhYk; jw; Nghija epiyapy; tPl;il tpw;gjhy; tPl;L chpikahsHfSf;F el;lk; tU tjw;F tha;g;G ,y;iy. jw;Nghija fhyfl;lj;jpy; tl;btPjk; Fiwthf ,Ug; gJ xU Kf;fpa fhuzkhf ,Uf;fpd; wJ. MfNt ehd; KjyhtJ fl;Liu apy; $wpaJ Nghy cq;fs; nryTfs; cq;fsJ tUkhdj;jpw;F Nkyhf tUk; NghJ cq;fsJ fld; $bf;nfhz;Nl Ngha;f;nfhz;L ,Uf;Fk;. mg;gbahd epiyapy; $l ePq;fs; cq;fsJ tPl;il tpw;W tpl;Lf; Fiwe;j tpiyapy; tPL xd;iw thq;Ftjhy; cq;fsJ flidf; fl;b Kbg;gNjhL cq;fsJ tUkhdj; jpw;F Vw;w nrytpy; tPl;ilAk; thq;fpf; nfhs;syhk;. T| kV∫Ô suÔ Alen Sivasambu Sales Representative Please Call Alen : 905-822-5000 Fax: 905-822-5617 alen@sutton.com myd; rptrk;G - tPL tpw;gidg; gpujpepjp -
jha;tPL • khu;r; 2008 - 59 -