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bdkbZµ9% LFkk;h vk; vkSj thou pozQ ifjdYiuk
de gksrh gS tcfd vfèkd vk; okys ifjokjksa dh cpr mudh vk; dh lkis{krk esa vfèkd gksrh gSA leku LFkk;h uksV
vk; Lrj okys yksxksa rd esa Hkh cpr dk Lrj fHkUu gksrk gS] vkSj miHkksx dk HkhA
3- vk; vkSj miHkksx ls lacafèkr vusd 'kCnksa dk iz;ksx Hkzedkjh (Use of Various Terms for Income
and Consumption Confusing)µÚhMeSu us vius fl¼kar esa tks ^LFkk;h*] ^vLFkk;h* rFkk ^ekfir* 'kCnksa dk
iz;ksx fd;k gS] mlus fl¼kar dks my>k fn;k gSA ekfir vk; dh èkkj.kk ,d vksj rks vuqfpr <ax ls LFkk;h rFkk
vLFkk;h vk; ls vkSj nwljh vksj] LFkk;h rFkk vLFkk;h miHkksx ls vuqfpr <ax ls fey tkrh gSA
4- ekuo vkSj xSj&ekuo èku esa Hksn ugha (No Distinction between Human and Non-human
Wealth)µLFkk;h vk; fl¼kar dh ,d vkSj deh ;g gS fd ÚhMeSu ekuo rFkk xSj&ekuo èku esa dksbZ Hksn ugha
djrk vkSj vius fl¼kar osQ vkuqHkfod fo'ys"k.k esa] nksuksa ls izkIr vk; dks ,d gh 'kCnkoyh esa lfEefyr dj
ysrk gSA bu dfe;ksa osQ ckotwn] ekbdy bZosU”k osQ 'kCnksa esa ¶leqfpr :i ls dgk tk ldrk gS fd izek.kksa ls
bl fl¼kar dk leFkZu gksrk gS fd ÚhMeSu dh izLFkkiuk ls miHkksx iQyu ls lacafèkr vuqlaèkku dks u;k :i
vkSj ubZ fn'kk feyh gSA¸
Lo&ewY;kadu (Self Assessment)
cgqfodYih; iz'u (Multiple Choice Questions) :
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3- ;fn ykHk osQ dkj.k vLFkk;h vk; èkukRed gksxh] rks ekfir vk; vk; ls c<+ tk,xhA
(v) LFkk;h (c) vLFkk;h
(l) ykxr (n) buesa ls dksbZ ughaA
4- vLFkk;h vk; gks ldrh gSµ
(v) vfèkd Hkh (c) 'kwU; Hkh
(l) de Hkh (n) buesa ls dksbZ ughaA
5- izQhMeSu osQ vuqlkj] LFkk;h vk; vkSj miHkksx esa lacaèk gksrk gSµ
(v) vkuqikfrd (c) ?kfu"B
(l) LFkk;h (n) vLFkk;hA
6- izQhMeSu osQ vuqlkj] k vkSj Kaa ,d nwljs ls gksrs gSaµ
(v) leku (c) fHkUu
(l) egÙoiw.kZ (n) buesa ls dksbZ ughaA
9-2 thou pØ ifjdYiuk (Life Cycle Hypothesis)
,.Mks vkSj eksfnXY;kuh us miHkksx dh thou pØ midYiuk dk fuekZ.k fd;kA blosQ vuqlkj] miHkksx fdlh
miHkksDrk osQ thoudky dh izR;kf'kr vk; ij fuHkZj djrk gSA ,d O;fDrxr miHkksDrk dk miHkksx bl ckr ij
fuHkZj djrk gS fd mlosQ miyCèk lalkèku (resources) D;k gSa] iw¡th ij izfriQy dh nj D;k gS] mldh O;;
djus dh ;kstuk D;k gS] vkSj og ;kstuk fdl mez esa cukbZ xbZ gSA mldh vk; (vFkok@lalkèkuksa) osQ orZeku
ewY; esa ifjlaifÙk;ksa vFkok èku ls izkIr vk; rFkk pkyw (current) ,oa izR;kf'kr (expected) Je&vk; ls izkIr
vk; lfEefyr jgrh gSA
bldh ekU;rk,¡ (Its Assumptions)µthou pØ fl¼kar fuEu ekU;rkvksa ij vkèkkfjr gSµ
(1) miHkksDrk osQ thoudky eas dher Lrj eas dksbZ ifjorZu ugha gksrkA
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