DAM CHHUNG SUM DEHCHHUAH CHANVE KHAWHRALNATE

By: Pu Lallianthara, Canada
Tunlai sumdawnna tlakchhiat lai hian inrenchemdan tur thurawn chi hrang hrang hmuh tur a awm nual mai a. Mi tam takin zawhna an neih ve erawh chu “Khawi atangin nge kan tan ang?” tih hi a ni. Mi tam zawk tan chuan kan sum hmanna hlawm lian 5 hian kan dam chhunga kan sum lakluh chanve (50%) a tiral thei a, chuvangin heng sum hmanna chi 5 te hi inrenchem bul tanna’na tha ber turte chu a ni.

Chungte chu: In, motor, naupang (fate), zirna (education) leh hna thawh theih tawh loh (retirement) hnua khawsakna tur te an ni a. A mal te tein han sawichiang dawn ila.

I tlin bak aia man to In lei suh:
Engzat man nge kan tlin tawk (khawsak tiharsa lo tur tawk) chu ni ang? He zawhna hi mi tam zawkin kan chhanna tur nia lang chu: “kan chhungkaw kum khat sum dehchhuah belhkhawm, a let thuma pun nen inhu tawk tur in (3 x annual household income)” tih hi a ni awm e. Entirnna’n, chhungkaw khat kum khat sum dehchhuah chu $80,000 lo ni ta se, in $240,000 man lei an tlin tihna a ni. A chhan chu In man tihah hian thlatin mortgage bakah senso tur tam tak – property tax, insurance, thuam thatna leh thil dang tam tak – a la tel vang a ni. Atlangpui thuin kum khata senso neuh heuh belhkhawm hi in man 2% – 3% a tling thei a ni.

Tichuan, in In man 20% down payment pe turah ngaiin, kum 30 chhung fixed rate mortgage leh a pung 5%-6% pe turin han chhut chhin ila, a chunga kan tarlan tak dan (Saptawnga rule of thumb an tih hi dan ka ti zel mai a) hi i zawm a nih chuan in In atana thla khata in senso tur chu in chhungkaw thla khat sum dehchhuah (gross income) 30% hu ang vel a ni thei dawn tihna a ni.

I motor-in tipachhia che suh se:
Hei pawh hi In lei ang deuh tho a ni. Mi tam zawk chuan an khawsak tiharsa lo takin “an kum khat sum dehchhuah hmun thuma thena hmun khat (1/3rd of annual income) nen inhu tawk motor neih an tlin” tih a ni. Tehkhinna’n, mi pakhatin kum khatah $60,000 a dehchhuah chuan motor $20,000 man lei chu a tlin tawk a ni, tih a ni. Hei hi tlem lutuk emaw tlawm lutuka I ngai a nih chuan engvanga Amreican mipui tam zawk sum leh pai thua harsatna tawk thin nge an nih, tih I hrethiam mai ang. An sum an khalh ral thin vang a ni. Motor hian thlatin peksum (monthly payment) bakah senso tur dang – insurance, gas, parking leh maintenance man neuh neuh – a chhawm tel ve duah a ni.

He dan hi I zawm a nih chuan vahvelna’na I sum hman chu I thlakhat sum dehchhuah 10% emaw a aia tlem deuh zawkah a kiam thla thei dawn a ni.

I faten pachhiatna khurah um lut che suh se:
Hei hi chu western miho ngaihdan a ni a, keini nunphung nen chuan a inhmu chiah lo mai thei. Fa neih hi a hautak hle a ni, tih a ni. Dept. of Agriculture chuan 2008 kuma piang naupang pakhat, diaper a hak tan ni atanga kum 18 a tlin thleng chawmna’n $220, 000 sen a ngai niin an chhut a. Hetah hian college kalna tur senso belh a la ni lo nghe nghe a. (Western miho khawsakdan nen inmila chhut a ni tih hre bawk ila.)

Fa neih hi sum leh pai lama mawhphurhna lian tak insiamna a nih avangin hmangaihna khura pawngpaw chen vak loh a tha e, an ti.

Zirna man todan chhut chiang ang che:
Mortgage leh zirna leiba hi leiba tha (good debt), a dang zawng chu leiba tha lo (bad debt)-a ngaih a ni thin a. Mahse chutiang chu a ni ta lo. Tunah chuan thil tha pawh a hluar lutuk chuan thil tha lovah a chang thei tih kan hre ta. Dan bumro tak lo awm ta chu: “college emaw kutthemthiam zirna school atanga I zir chhuah kum atanga a hnu kum 10 thleng, kum khata I hlawh chhuah tur zat aia tam zirna leiba insiam suh” tih a ni. Tehkhinna’n, I zir zawh kum atanga a hnu kum 10 thleng, kum khatah $50,000 lalut thei tura I inngaih chuan I zirna atan $50,000 aia tam loan la suh, tihna a ni.

He ngaihdan phena thil inphum chu hei hi a ni:
I student loan chu thlatin I hlawh atanga 10% pe tur ni ta la, i pek hun chhung hi kum 10 aia tam a rei dawna I kum khat dehchhuah aia tam loan I lo lak bawk chuan thil danga I mamawh phuhhruk nan sum leh paiah harsatna I tawk thei, tihna a ni.

Upat hun (retire hun)-a I khawsakna tur ngaihthah suh ang che:
Hei pawh hi western miho kalphung a ni a, keini pemthar te te leh fate’n min chawm beisei tan chuan hriatthiam a la har ang reng a. Upa hna thawk thei tawh lo I nih huna I khawsakna’n sum engzatnge I mamawh ang? Dan tluangtlam tak awm chu: “tuna I sum dehchhuah zat kha hmun 25-in pumtir la, chu chu I mamawhzat tur chu a ni,” tih a ni. Tehkhinna’n, kum khatah $50,000 i lakluha, tuna I khawsak anga khawsak zawm zel I duh chuan a ni lo berah $1,250,000 I mamawh dawn tihna a ni.

Hna thawk thei kan nih laia nakin hnu thil tur ruahman lawk thiam a tulzia sawilannaah ngai ila. Kan tarlan khi chu Western miho kalphung a ni kan tih tawh kha.

(Hei hi Forbes.com, August 2, 2010 ni ami Manisha Thakor-i article lehlin leh tlem belh a ni e- Lallianthara)
“He thuziak hi North America mipui dinhmun mila ziak a ni e”