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Srgvnto & Fmbaglobtgne

Sorsmbne Agbnbfgne Senb

Sropnrol amr8

Nbge Snblgt

Sropnrol dy8

@nrs` TmmbitnGbvostjobt Nlvgsor

8/13/2019 Anil's Financial Planning by Apnapaisa

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Ojnge8 apCnpbnpngsn.fmj Snio > ma 44S`.8 344-11>6 >777

>3t`

Lofojdor 43>6Lonr Jr. Nbge,

Yo wmuel egko tm t`nbk ymu amr f`mmsgbi mur agbnbfgne penbbgbi sorvgfos.

\`o obfemsol penb amrjnegzos mur rofobt lgsfussgmbs mb t`o gbvostjobt ma ymur nvngendeo

fnpgtne, neemfntgmb ma surpeus fns` aemws nbl roneemfntgmb ma smjo ma ymur oxgstgbipmrtamegm.

Mur mdhoftgvo gs tm nffurntoey nssoss ymur agbnbfgne bools nbl tm prmvglo qunegtyrofmjjoblntgmbs nbl mbimgbi sorvgfos gb nffmrlnbfo wgt` t`mso bools.

\`o penb gs dnsol mb t`o gbamrjntgmb prmvglol dy ymu mb ymur furrobt fgrfujstnbfos nbl

mdhoftgvos. Seonso ronl t`o penb fnroaueey tm f`ofk amr nffurnfy ma t`o gbamrjntgmbprmvglol.

\`gs penb gs nb gjpmrtnbt lmfujobt, gb nffmrlnbfo wgt` t`o dost stnblnrls ma t`oprmaossgmb. @mwovor, gt bools tm do roiuenrey rovgowol nbl uplntol gb rospmbso tm

f`nbios gb ymur mwb fgrfujstnbfos nbl mt`or anftmrs, suf` ns pobsgmb roiuentgmb, tnxntgmb

nbl jnrkot jmvojobts.

Wmu `nvo igvob oxpegfgt fmbsobt tm us tm s`nro ymur agbnbfgne penb propnrol dy us tm nby

jolgn (Gbfeulgbi dut bmt egjgtol tm) Mbegbo, Oeoftrmbgf nbl Srgbt amr t`o doboagt ma

wglor nulgobfo. \`o penb gs propnrol amr aroo ma fmst nbl t`us lmos bmt fmjo ublor VODGGbvostjobt Nlvgsmr Toiuentgmb43>6.

Seonso aooe aroo tm fmbtnft us ga ymu `nvo nby quorgos.

Yo emmk amrwnrl tm rovgowgbi nbl gjpeojobtgbi t`oso rofmjjoblntgmbs wgt` ymu.

Wmurs sgbforoey,

@nrs` Tmmbitn, FASFJ

Gbvostjobt Nlvgsor

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www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio 4 ma 44S`.8 344-11>6 >777

\`o jngb dmly ma t`gs ropmrt `ns ymur porsmbne lotnges nbl ymur egao mdhoftgvos nblstrntoigos tm joot ymur mdhoftgvos.

Bnjo Toentgmbs`gp Nio @onet`Vtntus

Jr. Nbge Voea 6? @onet`y

Jrs. Voojn Vpmuso 60 @onet` gssuos(NOL)

Jst. Oknbs` Vmb ? @onet`y

Jr. Snblgt Ant`or 10 @onet`y

Js. Snblgt Jmt`or 16 Lgndotgf

Tosglobtgne Vtntus8 Wmu nbl ymur anjgey jojdors nroTosglobt Gblgnb

Tgsk Srmageo8Wmur rgsk prmageo gs fenssgagol ns Qory Niirossgvons por t`oquostgmbbngro nbsworol dy ymu.

Imnes nbl Mdhoftgvos8

Oxofutgvo Vujjnry

Totgrojobt Senbbgbi8 Wmu wmuel egko tm prmvglo n fmrpus amr ymurrotgrojobt nt t`o nio ma 13 yonrs. Wmu wmuel egko tm jngbtngb t`o snjo

stnblnrl ma egvgbi, w`gf` ymu nro egvgbi nt prosobt.

Oknbs`'s Olufntgmb Senbbgbi8Wmu wmuel egko tm prmvglo amr t`o

`gi`or olufntgmb oxpobsos amr ymur smb w`ob `o ronf`os t`o nio ma >0

yonrs.

Oknbs`'s Jnrrgnio Senbbgbi8 Wmu wmuel egko tm prmvglo amr jnrrgnio

ma ymur smb w`ob `o ronf`os t`o nio ma 4? yonrs.

Fnr Surf`nso8 Wmu wmuel egko tm duy n fnr nator 4 yonrs, w`gf` wgee

fmst ymu Ts.9 enk`s tmlny.

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www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio 6 ma 44S`.8 344-11>6 >777

Imml Jmvos;

Imml Vnvgbis Tntgm.

Duygbi mbegbo torj

Vookgbi Srmaossgmbne `oep.

Dnl Mbos8

Gibmrgbi Snrobts nbl

Ygaos `onet`gbsurnbfo.

Bm lgsndgegtygbsurnbfo.

Bmt gbvostgbinvngendeo surpeus amr

auturo imnes.

Srgjnry Tofmjjoblntgmbs8

Duy nllgtgmbne mbegbo torj penb.

Duy `onet` gbsurnbfo penb amr ymur pnrobts nbl wgao.

Vtnrt jmbt`ey gbvostjobt ns onrey ns pmssgdeo.

Srgjnry Mdsorvntgmbs

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8/13/2019 Anil's Financial Planning by Apnapaisa

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www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio ? ma 44S`.8 344-11>6 >777

Nssots

Egndgegtgos

Bot Ymrt` Vtntojobt

8/13/2019 Anil's Financial Planning by Apnapaisa

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www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio 1 ma 44S`.8 344-11>6 >777

Nssot Neemfntgmb

Oqugty nbl lodt, dmt`, `nvo nb gjpmrtnbt rmeo tm peny gb ymur nssot neemfntgmb.Oqugty fnb prmvglo suporgmr gbaentgmb nlhustol roturbs mvor t`o embi torj nbl

lodt tm prmtoft ymur fnpgtne w`geo irmwgbi.

Voea-mffupgol rosglobtgne prmporty, vo`gfeo nbl Sorsmbne Howoery nro bmt trontolns ymur gbvostjobt nssots.

Tofmjjoblol nssot neemfntgmb gs amr auturo gbvostjobt.

Imel Gbvostjobt wmrks ns n `olio ningbst gbaentgmb nbl prmvglos snaoty gb dnlofmbmjgf nbl pmegtgfne fmblgtgmbs.

Tone ostnto gbvostjobt prmvglos ymu n agxol gbfmjo, pmtobtgne amr fnpgtnenpprofgntgmb nbl nesm `oeps gb lgvorsgagfntgmb ma ymur pmrtamegm. @mwovor, gt gs

`gi`ey fnpgtne gbtobsgvo nbl jmst geegqugl nssot fenss.

Seonso rovgow nbl rodnenbfo ymur gbvostjobt pmrtamegm porgmlgfneey.

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www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio 9 ma 44S`.8 344-11>6 >777

Tofmjjoblol Gbvostjobt Tgsk Srmageo8 \`gs gs n Emw Tgsk Gbvostjobt

Fmbtgbiobfy Aubl

Wmu s`muel koop nsglo nt eonst 6 jmbt`s oxpobsos tm do usol mbey gbojoriobfgos suf` ns hmd emss mr lgsndgegty.

Wmu nesm bool tm jngbtngb n jolgfne fmbtgbiobfy ma Ts.4.?3 Enk`s ns ymurpnrobts nbl spmuso nro bmt fmvorol ublor `onet` gbsurnbfo.

Gbvost gb egqugl t`gs jmboy gb GFGFG Sru Jmboy Jnrkot Toiuenr.

Jngbtngb lgsfgpegbo. Lm bmt uso oxfopt gbfnso ma ojoriobfgos

?,36,3?? ?,64,333

40,7

8/13/2019 Anil's Financial Planning by Apnapaisa

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www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio 0 ma 44S`.8 344-11>6 >777

Gbsurnbfo Bool Nbneysgs8

Emmkgbi nt ymur prosobt nio, gbfmjo, egao styeo nbl egao imnes nbl nesm tnkgbi gbtm

fmbsglorntgmb ymur nssots nbl egndgegtgos, ymur egao gbsurnbfo bool gs fnefuentol ns ublor8

Nbneysgs ma furrobt Smegfgos nbl Tofmjjoblntgmbs8

Egao Gbsurnbfo

\nkgbi gbtm nffmubt vnrgmus anftmrs egko prosobt surroblor vneuo, jnturgty vneuo nblprojgujs tm do pngl tgee jnturgty wo nlvgso ymu tm surroblor EGF Hoovnb Nbnbl

(Voojn Lovg) pmegfy ns GTT ma t`oso penbs wgee bmt dont gbaentgmb. Wmu fnb fmbtgbuo

EGF Hoovnb Nbnbl, Hoovnb Vurnd`g nbl Hoovnb Nst`n, ns t`o GTT gs egkoey tm dont

gbaentgmb.

Wmu s`muel fmbtgbuo wgt` Noimb Toeginro G-\orj Senb.

Wmu s`muel surroblor @LAF Egao nbl GFGFG Sru Egao _EGS pmegfos sgbfo t`o roturbsnro pmmr ns fmjpnrol tm t`o dobf`jnrk nbl mbimgbi f`nrios wgee aurt`or rolufo

ymur roturb.

Wmur wgao gs n `mjojnkor nbl lmos bmt roqugro egao gbsurnbfo.

Nllgtgmbneey duy Nvgvn g-Egao nb mbegbo torj penb amr Ts.?3 Enk`s amr n torj ma 4?

yonrs w`gf` wgee fmst ymu nrmubl Ts.?,,11,67,333

>,31,?3,333

>6,10,333,333

\mtne Egao GbsurnbfoToqugrol

Srosobt Egao Gbsurnbfo(Nator Tofmjjoblntgmb)

\mtne Nssots Gbsurnbfo Fmvor Toqugrol

Gbsurnbfo Bool Neneysgs

Nloqunto Egao gbsurnbfo gs n just tm jnko suro ymur anjgeys egao styeo gs

bmt naaoftol ga ymu lgo onrey.

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Ojnge8 apCnpbnpngsn.fmj Snio 7 ma 44S`.8 344-11>6 >777

\`gs softgmb fmvors nbneysgs ma ymur furrobt Ioborne Gbsurnbfo pmegfgos, Bool Nbneysgs mat`o Fegobt nbl mur rofmjjoblntgmbs.

@onet` Gbsurnbfo (Jolgfengj)8

N sorgmus geeboss fmuel do fntnstrmp`gf tm ymur agbnbfgne woee dogbi t`oroamro,

gt gs gjporntgvo ymu `nvo nloqunto jolgfne gbsurnbfo fmvornio.

Furrobt Tofmjjoblol

Npmeem Onsy @onet`

VtnblnrlNpmeem Mptgjn Seus

Dnbk Ma Dnrmln

@onet` Gbsurnbfo

Vuj Nssurol Ts.? Enk`sTs.? Enk`s (loluftgdeo

ma Ts.6 enk`s)Ts.? Enk`s

Srojguj Ts.9333/- Ts.4,633/- Ts.9,>33/-

\ypo Anjgey Aemntor Gblgvglune GblgvgluneJojdors Voea + Vmb Voea + Vmb Vpmuso

Tofmjjoblntgmb Fmbtgbuo Duy Duy

@onet` Gbsurnbfo

Duy E&\ Jolgsuro Fenssgf Senb ma Ts.6 Enk`s onf` amr ymur ant`or nbl jmt`or. \`gs wgeefmst ymu nrmubl Ts.61,433 p.n.

Lgsndgegty Gbsurnbfo pnys n eujp suj gb t`o ovobt ma suaaorgbi armj n lodgegtntgbi lgsonsosuf` ns fnbfor, strmko, mrinb angeuro mr lgsndgegty nrgsgbi armj nb nffglobt.

Wmu s`muel tnko nb nffglobt gbsurnbfo pmegfy fmvorgbi lgsndgegty (Dnhnh Neegnbz SrojgujSorsmbne Iunrl) amr Ts.4? enk`s nbl n frgtgfne geeboss pmegfy (Nvgvn @onet` Vofuro) amr

Ts.?3 enk`s amr ymursoea. Dmt` t`oso pmegfgos put tmiot`or wgee fmst ymu nrmubl Ts.>0,>33por yonr.

Gt wgee do lgaagfuet amr ymur jmt`or nbl spmuso tm iot `onet` gbsurnbfo sgbfo t`oy `nvo`onet` gssuos dut ymu s`muel sorgmusey try amr t`gs.

Lgsfemso nee anfts w`geo duygbi gbsurnbfo.

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www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio >3 ma 44S`.8 344-11>6 >777

Nbneysgs ma Furrobt Gbvostjobt8

Lgroft Oqugty Gbvostjobt8

Jutune Aubl Gbvostjobt8

Vr.

Bm.Bnjo ma Vf`ojo

Furrobt

QneuoTofmjjoblntgmb

Neemfnto

l Imne

> @LAF Gblox Aubl - Vobsox Senb Ts.4>,30?4 ma 44S`.8 344-11>6 >777

Wmu wmuel egko tm penb amr ymur smbs olufntgmb nbl wmuel egko tm prmvglo Ts.>? Enk`s

gb prosobt vneuo ma t`gs imne.

SSA Gbvostjobt Tgsk Srmageo8 \`gs gs n Emw Tgsk Gbvostjobt

Tofmjjoblol Gbvostjobt Tgsk Srmageo8 \`gs gs n @gi` Tgsk Gbvostjobt

Oknbs`s Olufntgmb Senbbgbi

Vtnrt aros` jmbt`ey gbvostjobt ma Ts.>6,?33 gb rntgm 73% gb Oqugty nbl >3% gb SSA.

Vtnrt aros` jmbt`ey VGS ma Ts.>4,333 gb _\G Mppmrtubgtgos Aubl nbl lopmsgtTs.>,?33 por jmbt` gb SSA.

Wmu nro nlvgsol tm s`gat ymur oqugty gbvostjobt systojntgfneey tm lodt ndmut 6>jmbt`s doamro olufntgmb imne. Aros` gbvostjobt lurgbi t`gs porgml s`muel nesm do gb

lmbo gb lodt.

>?,33,333

?>,90,333

Furrobt Qneuo Auturo Qneuo

Olufntgmb Senbbgbi

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www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio >6 ma 44S`.8 344-11>6 >777

Wmu wmuel egko tm penb amr ymur smb's jnrrgnio nt t`o nio ma 4? yonrs nbl prmvglo n sujma Ts.? enk`s gb prosobt vneuo amr t`gs imne.

Imel Gbvostjobt Tgsk Srmageo8 \`gs gs n Jmlornto Tgsk Gbvostjobt

Tofmjjoblol Gbvostjobt Tgsk Srmageo8 \`gs gs n @gi` Tgsk Gbvostjobt

Oknbs`s Jnrrgnio Senbbgbi

Wmur oxgstgbi Imel O\A gbvostjobt `ns doob neemfntol tmwnrls t`gs imne.

Nllgtgmbneey stnrt aros` jmbt`ey gbvostjobt ma Ts.6,333 gb rntgm 0?% gb Oqugty JAnbl >?% gb Imel.

Vtnrt aros` jmbt`ey VGS ma Ts.4,?33 gb Arnbkegb Gblgn DeuoF`gp Aubl nbl Ts.?33 gbVDG Imel Aubl.

Wmu nro nlvgsol tm s`gat ymur oqugty gbvostjobt systojntgfneey tm lodt ndmut

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www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio >< ma 44S`.8 344-11>6 >777

Tofmjjoblol Gbvostjobt Tgsk Srmageo8 \`gs gs n @gi` Tgsk Gbvostjobt

Fnr Surf`nso

Wmu wmuel egko tm duy n fnr nator 4 yonrs, w`gf` wgee fmst ymu Ts.9 enk`s tmlny.

Wmu nro nlvgsol tm pmstpmbo ymur fnr purf`nso tm ? yonrs ns t`oro gs bm surpeusnvngendeo.

Vtnrt aros` jmbt`ey gbvostjobt ma Ts.>6,133 gb Fmbsorvntgvo JGS Aubl ma JutuneAubl tm nffujuento t`o losgrol fmrpus.

Vtnrt aros` jmbt`ey VGS ma Ts.>6,133 gb Toegnbfo JGS Aubl.

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www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio >? ma 44S`.8 344-11>6 >777

Ostnto Senbbgbi

Yo strmbiey rofmjjobl jnkgbi n Ygee.

8/13/2019 Anil's Financial Planning by Apnapaisa

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www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio >1 ma 44S`.8 344-11>6 >777

Gbvostjobt Nssots Njmubt TotgrojobtOknbs`'sJnrrgnio

Fmbtgbiobfy

Vnvgbis Dnbk ,03,333

SMJGV* >?,333

Dmbls* 13,333

Imel O\A ??,333

Oqugty/Dnenbfol Jutune Aubls 4,76,333 4,76,333

Gbsurnbfo - Aubl Qneuo 6,37,333 6,37,333

\mtne Nssots >9,?0,0?3 >3,79,333 ?4.13%

Smrtamegm Toturbs Dnenbfol Aubls >>.13%

Smrtamegm Toturbs - Imel & Howoery 30.33%

Nee gbvostjobts rofmjjoblol s`muel do s`gatol tm lodt systojntgfneey ns igvob gbrospoftgvo imne softgmb, nbl t`o aros` gbvostjobts s`muel nesm do gbvostol systojntgfneey

tm lodt lurgbi t`gs porgml. \`gs `ns doob tnkob gbtm nffmubt gb t`o oxpoftol rnto ma roturb

mb gbvostjobt.

Nee roturbs nro nssujol ns bot ma Gblgnb Gbfmjo tnx.

Bmbo ma t`o roturbs nro iunrnbtool.

Nssot To-neemfntgmb

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www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio >9 ma 44S`.8 344-11>6 >777

Fmbtgbiobfy Senbbgbi8GFGFG Sru Jmboy

Jnrkot Toiuenr AublTs.?.64 Enk`s Vtnrt NVNS

Egao Gbsurnbfo8Nvgvn g-Egao Senb Ts.?3 Enk`s Duy NVNS

EGF Hoovnb Nbnbl (Voojn) VurroblorGbvost gb GFGFG Sru Jmboy

Jnrkot Toiuenr Aubl

@LAF Egao _EGS* Vurroblor Gbvost gb GLAF SrojgorOqugty AublGFGFG Sru Egao _EGS* Vurroblor

* Vurroblor nator duygbi nllgtgmbne torj penb.

@onet` nbl Lgsndgegty Gbsurnbfo8

Voea + Vmb Npmeem Mptgjn Seus Ts.? Enk`s(loluftgdeo ma Ts.6 Enk`s)

Vpmuso Dnbk Ma Dnrmln @onet` Gbsurnbfo Ts.? Enk`s

Ant`or + Jmt`or E&\ Jolgsuro Fenssgf SenbTs.6 Enk`s

(onf`)

Voea Duy Dnhnh Neegnbz Srojguj Sorsmbne Iunrl Ts.4? Enk`s

Voea Duy Nvgvn @onet` Vofuro Senb Ts.?3 Enk`s

Mt`or Imnes8Vr.

Bm.Imne

Gbvostjobt

Njt.Tojnrk/Vuiiostgmb

>. Totgrojobt VGS Ts.>?,333/- GFGFG Sru Amfusol DeuoF`gp Aubl

VGS Ts.9,?33/- GLAF Srojgor Oqugty Aubl

Ts.4,?33/- p.j. SSA

4. Oknbs`s Olufntgmb VGS Ts.>4,333/- _\G Mppmrtubgtgos Aubl

Ts.>,?33/- p.j. SSA

6. Oknbs`s Jnrrgnio VGS Ts.4,?33/- Arnbkegb Gblgn DeuoF`gp Aubl

VGS Ts.?33/- VDG Imel Aubl6,133/- Toegnbfo JGS Aubl

Voee ymur Lgroft Oqugty gbvostjobt nbl gbvost gb GFGFG Sru Amfusol DeuoF`gpAubl.

Gbvost _EGS surroblor vneuo prmfools gb GLAF Srojgor Oqugty Aubl. Wmu oxgstgbi JA gbvostjobt `ns nesm doob neemfntol tmwnrls t`gs imne, jnko

f`nbios ns rofmjjoblol ndmvo.

Vujjnry ma Tofmjjoblntgmbs

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www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio >0 ma 44S`.8 344-11>6 >777

>. Agrst npprmvo t`gs agbnbfgne penb t`nt `ns doob hmgbtey lovoempol gb fmbsuetntgmbwgt` ymu. \`ob jnko suro ymu oxofuto nee t`o rofmjjoblntgmbs ns qugfkey ns

pmssgdeo.

4. Y`ob duygbi t`o rofmjjoblol gbsurnbfo prmlufts gt gs newnys nlvgsndeo tm duyt`oj mbegbo. \nko t`o tgjo mut tm agee gb t`o prmpmsne amrj aueey nbl lgsfemso

ovoryt`gbi aueey nbl fmjpeotoey. Tojojdor gt gs dottor tm iot nb Gbsurnbfo pmegfywgt` `gi`or projguj mr ovob bmt tm iot mbo t`nb tm iot n pmegfy t`nt `ns doob

mdtngbol dy mjgttgbi roeovnbt lotnges mr jgsstntojobts.

6. Yo wgee rovgow t`gs penb wgt` ymu nt eonst mbfo ovory qunrtor. Tovgows fnb do gbporsmb gb mur maagfo, mb Vkypo mr mb p`mbo. Jnko suro t`nt ymu igvo tgjo amr t`gs

rovgow.

3.Gjpmrtnbt bujdors suf` ns t`o fengjs lopnrtjobt ma t`o jolgfne gbsurnbfofmjpnby mr fnr gbsurnbfo fmjpnby s`muel do stmrol gb ymur jmdgeo p`mbo nembi

wgt` t`o roaorobfo bujdors amr onsy nffoss.

Vmjo imml prnftgfos ma agbnbfgne penbbgbi

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Ojnge8 apCnpbnpngsn.fmj Snio >7 ma 44S`.8 344-11>6 >777

>>.Lmb't loeny gbvostjobts mr pnyjobt ma ymur frolgt fnrl dgees/emnb OJGs dmt` mat`oj fnb naaoft ymur agbnbfgne auturo dnley= Ga ymu loeny gb stnrtgbi ymurgbvostjobts mb tgjo, t`ob ymu wgee emso t`o mppmrtubgty tm fronto obmui` fmrpusos

amr ymur auturo imnes. Gb fnso ymu loeny gb jnkgbi pnyjobts amr ymur frolgt fnrl

dgees nbl emnb OJGs t`ob ymu wgee enbl up emworgbi ymur FGDGE sfmro nbl rgskymur f`nbfos ma iottgbi n emnb gb auturo.

>4.Iot ymur FGDGE ropmrt mbfo n yonr (gt fmsts Ts.>?6.Srmvglo ymur jmdgeo bujdor tm nee t`o dnbk nffmubts nbl frolgt fnrls nbytrnbsnftgmbs t`nt gs lmbo mb ymur lodgt fnrl mr ymur frolgt fnrl gs ropmrtol tm ymur

jmdgeo bujdor.

>

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www.npbnpngsn.fmj

Ojnge8 apCnpbnpngsn.fmj Snio 43 ma 44S`.8 344-11>6 >777

\`o eoine lgsfengjor ameemws nt t`o obl ma t`gs pnio. Dut tm jnko gt jmro

ublorstnblndeo `oro gs n igst ma w`nt gt jonbs. Maa fmurso peonso ronl t`o lotngeol

lgsfengjor ns woee sgbfo t`nt gs w`nt wgee nppey gb t`o ubegkoey ovobt ma lgsputo8

>) \`o agbnbfgne penbs nro jnlo dnsol mb gbamrjntgmb prmvglol dy ymu. Ga t`ogbamrjntgmb gs bmt fmrroft mr t`o obtgro gbamrjntgmb `ns bmt doob prmvglol t`o penb

wgee do gbnloqunto mr lmwbrgi`t wrmbi.

4) Nee t`o gbvostjobts rofmjjoblol nssujo n fortngb roturb. Gt gs bmt pmssgdeo

amr us tm iunrnbtoo nby suf` roturbs. Gb anft gb t`o jmro rgsky nssot fenssos

t`oro gs nesm n f`nbfo t`nt gbstonl ma iottgbi n roturb ymu wgee nftuneey jnko n

emss. Yo `nvo gblgfntol t`o rgsk prmageo nppegfndeo tm jmst ma t`o

rofmjjoblol gbvostjobts. Seonso aooe aroo tm nsk us nby quostgmbs mb lmudts

t`nt ymu jgi`t `nvo.

6) N fmjpnby gb w`gf` wo `nvo sgibgagfnbt gbtorost rubs n feutf` ma pmpuenrwodsgtos gbfeulgbi www.npbnpngsn.fmj nbl smjo mr nee ma t`o rofmjjoblol

agbnbfgne sorvgfos prmvglors jny `nvo nlvortgsor, spmbsmr mr mt`or rovobuoonrbgbi roentgmbs`gps wgt` t`oj. Ga t`gs jnkos ymu ubfmjamrtndeo ndmut mur

rofmjjoblntgmbs peonso eot us kbmw. Yo wmuel do `nppy tm prmvglo

rofmjjoblntgmbs losfrgdgbi t`o bnturo ma prmluft t`nt ymu s`muel uso rnt`or t`nbt`o spofgagf prmluft. \`gs wgee obndeo ymu tm gblopoblobtey f`mmso t`o prmlufts mb

ymur mwb.

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\`gs agbnbfgne penb gs n amrwnrl-emmkgbi lmfujobt w`oro wo `nvo nssujol fortngb

roturb mb gbvostjobts mb vnrgmus gbvostjobt fenssos nbl gbaentgmb. \`oso amrwnrl-

emmkgbi stntojobts gbvmevo, nbl nro sudhoft tm kbmwb nbl ubkbmwb rgsks,ubfortngbtgos nbl mt`or anftmrs, w`gf` fmuel fnuso nftune rosuets, poramrjnbfo mr

nf`govojobts tm lgaaor armj t`o auturo rosuets, poramrjnbfo mr nf`govojobts

oxprossol mr gjpegol dy suf` amrwnrl-emmkgbi stntojobts.

Nee t`oso amrwnrl-emmkgbi stntojobts nttrgdutndeo tm us `orogb nro oxprossey

qunegagol gb t`ogr obtgroty dy t`o ndmvo-jobtgmbol fnutgmbnry stntojobt. Yo lm

bmt nffopt nby lgroft mr gblgroft egndgegty amr nby rosuets, poramrjnbfo mrnf`govojobts t`nt lgaaor armj rosuets, poramrjnbfo mr nf`govojobts gjpegol dy

suf` amrwnrl-emmkgbi stntojobts.

Yo lm bmt prmjgso t`nt t`o gbvostjobts ymu jnko dnsol mb t`gs penb wgee doprmagtndeo. Gbvostjobts nro newnys sudhoft tm vnrgmus jnrkot, furrobfy, nbl

ofmbmjgf, pmegtgfne nbl dusgboss rgsks. Yo wgee bmt do egndeo amr nby emssos t`nt

jny do fnusol lgroftey mr gblgroftey dy suf` gbvostjobt lofgsgmbs.

\`gs agbnbfgne penb gs dnsol mb t`o furrobt sgtuntgmb nbl imnes, w`gf` wgee f`nbio

wgt` t`o pnssnio ma tgjo. Nby jntorgne f`nbio gb t`o agbnbfgne sgtuntgmb ma t`o

fegobt wgee bofossnrgey roblor t`o fmbtobts ma t`o penb mut ma lnto. Jntorgne f`nbiosroaor tm f`nbio gb gbfmjo/snenry eovoes, nssots nfqugrol, egndgegtgos gbfurrol,

f`nbio gb bujdor ma lopoblobts, `onet` fmblgtgmb, mr t`o pnssnio ma tgjo ma jmro

t`nb >4 jmbt`s mr t`o oaaoft ma gbaentgmb mr loaentgmb.

Yo strmbiey rofmjjobl t`nt8

n) Wmu rovgow t`gs penb porgmlgfneey tm obsuro t`nt ymur penbs nftune poramrjnbfogs fmbsgstobt gb jootgbi ymur imnes, nbl

d) Wmu uplnto ymur penb nbbuneey tm obsuro t`nt ymur penb gs uplntol amr ymurf`nbigbi sgtuntgmb nbl imnes.

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\`nbk Wmu