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tps2gc
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Posted on 09-11-20 5:12
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हिजो मेरी भ्याकुरीले $१३०० मोबिल किनी, samsung को ultra note २० कि के येस्तै, मन चस्सका खायो । नखावोस नि किन, वर्ष दिन नि भाको छैन पुरानो Samsung किनेकी , तेस्को स्क्रीन edge हल्का चर्केछ नत्र मोबिल ठिक ठाक छ । मेरो हिसाब चै त्यो १३०० मा अर्को १५०० थपेको भए ललितपुर को लेले तिर १ रोपनी पाखो औथियो, कालान्तरमा २५०० लगानी १ करोड पुग्थियो । उसलाई यो कुरा को कुनै मतलब छैन, म भन्दा हुने खाने कि छोरि सानोमा अभाब देखिन । अभाब नदेखेसी मान्छे परिपक्का र मितब्ययी हुन्न भन्ने मेरो बिस्लेसन ।
मेरा बाऊले पैसाको बेबस्थापन गर्न नसक्दा म कुल्ली भए, मेरो जिन्दगि ३० वर्ष ब्याक भयो । बाऊ ५० वर्ष पहिले मुग्लान गका, उबेला बाऊले ५००० हजार हति पैसा कमाका रैछन । बुडालाई त्यो पैसाले के गर्ने थाहा भएनछ , १ वर्ष येताकै सन्दुकमा राखेछ्न, पैसा बढेनछ । त्यो बेला share stock किन्ने चलन थिएन , अनि पैसा ब्याजमा लगाउन थालेछन । ५००० भनेको त्यो बेलाको ठुलो पैसा , काठमाडौँको डल्लु तिर रोपनी को ७०० चलि राको थियो रे । त्यो सर्पो आउने झाडीमा के पैसा फ्याल्नु भनेर ब्याज खान थालेछन । ब्याज त केहि महिना खाए तेस्पछि कोहि पैसा नतिर्ने, कोहि टाट पल्टिने कोहि भाग्न थालेछन ।
२ ३ वर्ष पछि ५००० को जम्मा ३५० बाकी भएछ, त्यो ३५० को संखुवासभामा धान फाल्ने बगर को खेत किन्नु भएछ । २ ४ वर्ष मज्जाले धान नि खानु भएछ तर अचानक एक वर्ष खोलाले त्यो खेत बगर मा परिणत गरेछ । अनि फेरी दुखका दिन सुरु भए , बाबु दमका रोगि फेरी मुग्लान जान सकेनन अनि मुग्लान जाने पालो मेरो । पढाई छोडेर घरको दुख ले ४ ५ वर्ष खाडी तिर अनि अहिले अमेरिकामा कुल्ली ।
बाबुले पुरा गर्न नसकेका सबै सपना पुरा त गरे तर त्यो अन्तरालमा मेरो जवानी खाडी र अम्रिकामा कुली बनेर बित्यो । हिजो hamrobazar मा डल्लु को जग्गाको भाउ हेरे एक ठाउँमा आना को ९५ लाख रे । hypothetical calculation गरे बाऊ ले त्यो पैसा त्यहाँ फ़ालेको भए आज डल्लु मा ७ रोपनी १ आना जग्गा हुने थियो जसको ऐले बजार मुल्य मात्र कम्तिमा ९२ करोड हुने थियो ।
यो एउटा कल्पना मात्र हो, मैले नि त्यो जग्गा पहिले नै बेच्न सक्थे पढाई खर्च को लागि वा अन्य कहिँ को लागि। तर जे गरे नि मेरो जिन्दाजी येसोरी सड्ने थिएन । मेरी भ्याकुरी एस्तो थाग्ने कुरा सुन्दिन आजकल, तेस्लाई भन्नु बेकार हो तेसैले यहाँ आएर भनेको । छोरो लाई चै सम्झाउने गरेको छु, अभाब के हो र स्रोत र साधनको कसोरी समुचित सधुपयोग गर्ने भन्ने सिकाको छु र उसले नि सिकी राको छ । येस्मै खुसि लाग्छ आम र मामली तिर गको छैन पढाई नि आबल छ ।
आफ्ना सन्तान लाई अभाब संग अब्येस्ता गरायो भने उनीहरु आसल र जवाफदेही नागरिक बन्छन भन्ने मेरो बिस्लेसन । अनि आइमाई र कुकुर को पुच्छर चै उस्तै हुन् भन्ने नि मेरो बिस्लेसन छ, जति वर्ष ढुङ्ग्रोमा राखे नि बाङ्गै ।
मैले एक वर्ष मेरो व्यापार र सम्पति मेरो श्रीमतीको हातमा सुम्पेर नेपाल गएर बसे भने, फर्किदा खेरि जोगी हुने पूर्ण बिस्वस्त छु । उनि संग बिताएका १६ वर्ष को अनुभवले मलाई येही भन्छ । हुनत तपाई हरु सबै म भन्दा जान्ने सुन्ने हुनुहुन्छ तेही नि फेरी भन्न मन लाग्यो बचत होइन लगानी गरौ, थोरै छ भने थोरै गरौ, कालान्तरमा त्यो बढ्छ, सन्दुकमा राखेको पैसा बर्दैन । थोपा थोपा मिलेर समुन्द्र हुने हो । अनावास्येक खर्च रोकौ , आफ्ना बाल बच्चालाई यो कुरा सिकाउ ।
Last edited: 11-Sep-20 05:14 PM
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Rawbee_
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Posted on 09-12-20 9:59
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Very well said tps2gc bro. I can totally relate to your story. I have seen bachat story in my family generations back which contributed to major financial setback regardless of higher potential. The funny thing is your attitude and behavior towards your wife and kid resemble my own. I always wonder if that’s the case of most of middle class family. I was lucky enough to land good job since I started my career and always lived without any financial stress, but differences in terms of understanding the basics and common sense creates situations time to time. It’s funny you wrote such an important lesson of life in such a simple and humor way.
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Rawbee_
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Posted on 09-12-20 10:03
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By the way those pictures and unnecessary comments totally destroyed the essence of the story.
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tps2gc
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Posted on 09-12-20 11:29
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ज्ञानी छ हाम्रो नासे भाई अझै प्रगति हुदै जावोस, एउटा झुत्रिनी खोजेर एसको लगन कस्दीन पाए एसको बोकापन अलि काम हुने थियो कि, rawee भाई को कुरा एकदम घत लाग्यो, खुसि लाग्यो तपाइको जिन्दगि चै मेरो जस्तो सढेनछ । अरु middle क्लास परिवारमा तपाई हामी जस्तो हुन्न हो भाई, बरु ठ्याक्क उल्टो हुन्छ , केटा मान्छे बढी फुल्मास गर्छन, दारु पानि खान्चन , आइमाईहरु बढी मितब्ययी हुन्छन । तपाई र मेरो मा चै उल्टो भएछ । मेरी भ्याकुरीको हाकमा चै तेस्ले सानोमा मेरो जस्तो अभाब नदेखेर होला , जता नि पैसा खर्च गर्छे । आफु ले जिन्दगि भर first hand गाडी कहिले चरिन, सधै used गाडी चढे , जाठी चै lexus R X चद्छे हो त्यो नि २०२० मोडेल । फेरी गाडी चढेर ठुलै काम गर्ने भए नि ठिकै हो भनौ , भ्याकुरी तेही मेरो gas स्टेशन, तरकारी बजार , अनि साथी भाई , तेती हो । म ८ वर्ष पुरानो F 150 ट्रक चलौचु , येसो देख्ने ले त मलाई तेस्को नोकर पो होकी जस्तो गर्छन होला जस्तो सोज्छु होउ । एसको चुरी फुरी देखेर त म संग धेरै पैसा छ भनेर कुन दिन डाका लाग्ला जस्तो भइ सक्यो । उमेर ढल्के पछि त अलि दिमाग आउनु पर्ने हो खै यो जुनीमा यसै होला जस्तो छ । जे सुकै होस् परिवार खुसि छ, भ्याकुरीले दुख को समय मा कहिले demand गरिन, मेरो हर सुख दुख मा साथ दिई रही, ऐले सुखका दिन छन्, जति उत्पात मचौनु छ मचावस, ८ १० वर्ष त होला तेस्पची त बुढ्यौली लागि हाल्छ । छोरो त्यो जस्तो खर्चालु हुन्छ कि भन्ने चिन्ता लागि रा थियो, धन्न म तिर गइ राखेको छ ऐले सम्म तेसै मै सन्तोष छ भाई , बाकि सब कुरा त लकिरक़ा फकिर जस्तै हुन् ।
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logan
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Posted on 09-12-20 11:30
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Many of us are not a student of Economics and in theory if 1 dollar bill passes through 10 people in a single day that will be multiplied by 10 which is the value added by dollar bill is 10 or equal to one circulation of 10 dollar bill. And the Americans are living proof of Chadakya nit i"RiNam kritwaa ghritam piwet ..." and the thread creator is just opposite of it and acting and thinking like great grand parents. Our ancestor saved their money for us and did not enjoy it. Now he is walking through wearing the same pair of shoes his ancestors wore and exactly preaching same philosophy. Common man, your wife want to enjoy a brand new mobile phone , let it be and you can afford it. Let me co-relate your past thread here: Bhai timro shirmati sangai sutchhin tar timro linga uthdaian, you are too much of running after saving. She may have been excited that day and you may have chance to have erected dick but you were consumed by the new mobile phone and you needed Viagra which you do not want to spend a penny on it. This is sarcasm, do not take is personal. You can not enjoy mean your spouse should join with you is not appreciable thing. Agreed with R, if added pictures are irrelevant then even good comments you have made will go down.
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tps2gc
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Posted on 09-12-20 11:37
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लोगन भाई को कुरा theory म ठिकै हो, तेस्को जिन्दगिको भोगाई र मेरो भोगाइ फरक छ , अन्तत: जिन्दगि जसोरी भए पनि खुसि नै भएर जीवुने हो, तेइ भएर तेस्लाई करकर गर्न छोडेको ५ ७ बर्सै भयो , तै पनि जति आफुलाई सम्झाउदा नि अलि अलि मन चस्स हुन्छ । तेस्लाई भनेर काम छैन तेइ भएर यता आएर गनगन गरेको । जे सुकै होस्, छोरा छोरि लाई चै नैतिक , ब्यबहारिक , सिछ्या दिनै पर्छ । अभाब के हो र त्यो संग कसोरी सामना गर्ने त्यो पनि सिकाउने पर्ने मेरो बिल्सेसन, किताबी ज्ञान को addition मा।
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deepocean
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Posted on 09-12-20 11:40
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tps bro Dallu ani ringroard cheu chau Ma 35-40 lakh aana Ma aunu parne ho jagga. Ktm ko dherai purano basinda. Dallu Ma syal karauthyo. Mero hajurbau le uh bela thamel Nira ko 2-3 ropani jagga tetikai chodera, Dallu-swoyambhu cheu chau tira ayera baseka re buda. Mero bau le hajurbau ko Euta jagga bechera arko jagga ma uh bela ghar banayeka. Ma Ahile ni tehi ghar Ma bau aama sanga baschu mero chora ra budi sanga. Mero soja bau Ahile ni thorai bhaye ni paisaBank Ma paisa rakhi byaj hisab garchan. Tetro jagga thiyo, paisa thiyo. Jagga bechdai khane, Investment nagarera paisa sidaune. Bau le galti gare Ma tehi bau ko chora bhayera jhan 0 saving aja samma. Maiya ra mobile Ma paisa udaiyena Daru ra churot Ma khanna. Mero sabai paisa 5/6 crore juwa Ma udeko ho. Kaile casino, kahile stock, Kaile travel. TPS bro ko kura sarai ramro lagyo. Nabhayeni Ava sab paisa 💵 Investment Ma.
welcome back Nas bro
Last edited: 12-Sep-20 11:45 AM
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frustu
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Posted on 09-12-20 4:45
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Lagani pani ramro thau ma garnu parcha Bhai.. Property in Nepal have skyrocketed in the last decade. If you bought a house in USA a decade ago, you're likely just Break Even ! so that's a huge difference. Invest wisely. Real Estate in US is not that attractive from what i've seen. If you buy during the crash then you'll likely profit some but otherwise break even.
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sidaNepali
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Posted on 09-12-20 4:53
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Save nai nagaree k lagane garnay ni? Pahila ta saving hunu paryo ni ali ali.
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tps2gc
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Posted on 09-13-20 10:48
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सबै का कुरा सहि हुन तर बचत भए पछि लगानी गर्छु भन्ने सोचका साथ अगाडी बढियो भने लगानीयोग्य बचत ७ जुनी सम्म हुन्न, यो आफ्नै भोगाई
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chicagoan
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Posted on 09-13-20 12:47
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Tps2gc dherai durdarshi bekti ho. Uhanle dherai agadi tesla ma 238 ota stock kinnu bhayo. Ahile tyo split pachhi stock 238*5 = 1190 bhaisakyo. Prati stock 373.75 ko hisable 373.75*1190 = 444,762.50 huna aaunchha. Tehi durdarshi sochle uhan yahan samma aaipugnu bhayeko ho. Uhanko rin kebal 70,000 thiyo, ahile tyo pani ghatera 50,000 ma aaisakyo bhanne padeko chhu taipani tyo rin le uhanko raat ko nindra lai asar gareko chha. Aba uhan nepal tira jagga ma lagani garne soch rakhdai hunuhunchha. Dherai Nepali bhanda ramro sthitima bhayepani uhanlai kina shanti chhaina maile bujheko chhaina. Kunai din uhanlai shanti milos ra rin ko pir bhanda tyo bhanda kayaun guna dherai sampati ko soch aawos ra nindra ramro paros bhanne mero subhakamana chha.
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logan
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Posted on 09-13-20 2:58
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TP bhaai, gharama bisesh gari srimati sang kuraakaani namilekaa kuraa saajhaamaa bakhan gari baschhau tyo swasthakar hoiina hai | jwaai tapaaiko ani usle lagaaeko topi chai mero ukhaan timi sang pani milchha, dabaaer raakhu satta gharmaa srimati sang kuraa gari saltaau ra chitta bujhaau. Timile supress gari baseka chhau ani kunai din padkelaa.
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Rawbee_
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Posted on 09-14-20 10:59
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Logan bro, I liked most of your analogy but on this one I didn’t get any impression that he is suppressing his wife. But in fact he is treating her the best with his fortune. Something I took in positive note and do it myself. I don’t see any relevance on digging down on his past comments or his investments.
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logan
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Posted on 09-14-20 11:31
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R ब्रो: मैले भन्न खोजेको कुरालाई गलत तरिकाले हेर्नु भयो | त्यो " ज्वाँई तपाईंको अनी उन्ले लगाएको तोपी चै मेरो" कही कतै यो कथा सुन्नु भएको छ , छ् भने अबस्य बुझ्नु हुन्थ्यो यो नेपाली कथा हो भने राजनिसले पनि आफ्नो पुस्तकमा यो कुरा ब्यक्त गरेका छन| एक वकिल आफ्नो गाउ बाट आएको साथीलाई उस्का साथी समुहमा परिचय गराउदा " ए मेरा लगौटी दोस्त है, कल ही आया है और ईसने लगाइ हुई कुर्ता मेरा है" भएको के थियो भने गाउबाट आएको साथीलाई उस्को कुर्ता सुरुवाल लगाए पछी गाउले गठिलो सरिरमा अतिनै ह्यान्डसम देखिए पछी उस्मा इर्स्या बढन थालयो र त्यो शब्द निस्किएको हो | अनी गाउले साथीलाई सम्झाउछ तेरो कुर्ता लगाएको कुरा भन्नु जरुरी छ् र ? अनी अर्को सँग परिचय गराउदा " मेरा लगौटी मित्र ............यिन्के पहनी हुई कुर्ता किस्का है मुझे मालुम नही" | फेरी गाउले मित्रले सम्झाउछ किन कुर्ताको कुरा गर्छस आजको पार्टिमा मेरै सम्झिन त | एस् चोटि अर्को सँग परिचय गराउदा अन्त्यमा जोड्यो " यिने पहने हुए कुर्ता यिन्हिकी है " यो कथाको सारम्स दिमागमा उब्जिएका ज्वारभाटा लाई सही ठाउमा express गर नत्र बिस्फोटन भएर निस्कान्छ | यि भाईका कुरा पनि तेस्तै हुन जस्तो लाग्यो | घरमा श्रीमती सँगका कुरा सेटायरको रुपमा होईन यिन्का मन मस्तिस्क भित्र उकुस मुकुस भएर ब्यक्त गरिएका अभिब्यक्ती हुन, श्रीमतीलाई "पयो मुखम " ठीक ठाक देखाउछ अनी साझा आएर बखान्छन | यिन्की स्थिती तेही वकिल को झै देखिन्छ, यिन्ले नयाँ मोबाइल किनेको कुरामा सतप्रतिसत सहमत् थिएनन र न भुतो न भबिस्यो सहमत् हुने छाट् देखाएका छन ! नत्र साझामा श्रीमतीका कुरा लिएर फुल पारी बस्ने नै थिएनन | पुराना कुरा पनि यिन्का साइकोलोगी सँग सम्बन्धित भएको कारण जोडन उचित हुने देखेर मात्रै हो नत्र अरु भातमारा झै जही तही हिलो छेप्दै हिडने मेरो स्टाईल होईन, सम्झाउनु भएको मा धन्यवाद अनी यि कुरालाई मध्य नजर राखेको हुँ र राख्दै जानेछु|
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sexy in haku patasi
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Posted on 09-14-20 1:51
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यो भात्या लोगने न अरुको कुरा बुज्छ न आफ्नो कुरा बुझाउन सक्छ , आग्लो माग्यो भने गाग्रो लेर आउछ । संधर्ब ज्याउलखेलको छ एसले लगनखेलको कुरो गरि राख्य छ । एस्लाई ५ रुपयाको अकल किनेर दिनु पर्ने भाको छ ।
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Rawbee_
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Posted on 09-14-20 2:57
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Logan bro, I got your point. Thanks for the story and your elaboration. People read and understand comments on their own perspective and use their own judgment based on their mindset.
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logan
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Posted on 09-14-20 3:38
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Thank you R. Bro understanding my point. I do remember one of my friend's story which may be relevant. He never bought a head of cauliflower more than 99 cents for last 3-4 years one day it was $1.99 which was 101.00% higher. Look at the math, he saw it 101 % higher than usual shopping and did not buy it. His wife did not knew how much he was paying in past and even she did it's just a fucking $1.99 dollar. YES, people see things on their own perspective. Look at ( Haku Patasi ) this pin-worm keep getting into my anal. Tomorrow morning while using toilet I will stay with my cell phone reading news not wiping out as done. You will enjoy it with extra snacks.
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sexy in haku patasi
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Posted on 09-14-20 4:56
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लोगने त पर्वते भत्ता खाएर धेरै उफ्र्न्छस ? कुरा बुज्नु न सुज्नु खोकना तिर कुद्नु, मखला ?
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wegalzrock
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Posted on 09-14-20 9:56
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@Nas bro you seriously never fail to amuse me. But why do you always post pictures of girls. It's kinda weird and definitely irrelevant. But hey i am happy to hear that you've saved a lot of money. Bhai tika is coming soon. Malai k kinidine? 😆😆😆 @tps2gc bro I agree that paying $1500+ (including taxes) for a phone is a bit too much. But if that makes your wife happy, isn't it worth it? I have had a very blessed childhood. I never had to worry about anything. I was fortunate enough to get good education and had all my needs and wants met. I wasn't and am not a big saver either. But ever since i read the book "Everyday Millionaires" by Chris Hogan, i have stopped spending my money on unnecessary things. That book is very good and inspires the readers to be mindful of what they spend their money on. So if you can convince her to read it, she might start spending less. Also you might want to read "Smart money, smart kids". It's a very good book written by a father and a daughter. Also bro sometimes buy something nice for your wife even if it hurts your pocket. That might make her feel good and you might get some kisses from her lol. I personally wouldn't marry a Miser. While it's important to save and invest, it's equally important to enjoy your wealth. Or else, it won't motivate you to save more if you cannot enjoy it at all.💰💰
Last edited: 14-Sep-20 10:08 PM
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wegalzrock
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Posted on 09-15-20 12:58
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Nas bro gift ko lagi matra haina k. Gift ko lagi haina. Ani estari junk dherai nakhanu. Tapailai kei bhayo bhane maile kaslai bhai tika lagaidine. But bro seriously jpt keti haru ko pictures post Nagarnu na. Baru bhagwan ko pictures post garnu.😆😆
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thankeshwor
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Posted on 09-15-20 1:53
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भाबिजी नमस्ते, तपाइलाई बडिया बडिया घर काठमाडौँमे चाहिएमा मेरो लालजी लै सम्पर्क गर्नु, java proxy ( female ) चाहिएमा मेरो बुडी लाई सम्पर्क गर्नु
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