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iekweI–9: sQweI Awmdn Aqy jIvn c`kr pirklpnw
È؇
‡≈√’ jIvn c`kr pirklpnw qy Awpxy ivcwr pyS kro[
iehdI AwlocnwvW (Its Criticisms) – jIvn c`kr isDWq dI kuJ sImwvW vI hY -
1. jIvnkwl apBog dI Xojnw Avwsqyivk (Plan for Lifetime Consumption Unrealistic) – eynfo Aqy
moidglXwnI dw ieh kQn hY ik apBogqw Awpxy jIvn Br dy apBog dI Xojnw bxwdw hY, Avwsqivk hY
ikauik apBogqw BwvI apBog dI AwpySw, jyVI ik AinSicq hY, vrqmwn apBog qy v`D iDAwn iddW hY[
2. apBog pirsMpiqAw dy nwl pRqXSqor nwl sMbD nhI (Consumption not Directly Related to
Assets) – jIvn c`kr isDWq pihlW qo ieh mMn ildW hY ik apBog ivAkqI dI pirsMpiqAw nwl
pRqXS qor qy sMbD rhdw hY[ ijvy-ijvy pirsMpiqAw v`DdI hY, auvyN-auvyN ausdw apBog v`Ddw hY Aqy
pirsMpiqAw dy G`tx nwl apBog G`tdw hY[ iehdI vI lox nhI hY ikauik ho skdw hY ik ivAkqI AwpxI
pirsMpiqAw v`Dx dy leI apBog G`t dyvy[
3. apBog jIvn dy njirAw qy inrBr (Consumption Dependent on Attitude towards Life) –
ivAkqI dy jIvn qy pRqI v`l apBog qy inrBr krdw hY[ ieko ijhI Awmdn Aqy pirsMpiqAw dy idqy
hoey hox nwl, iek ivAkqI dujy dI bjwey v`D apBog kr skdw hY[ [
4. apBog ivvykI Aqy srbigAwqw nhI (Consumer not Rational and Knowledgeable) – ieh
apklpnw ieh mwnqw qy AwDwirq hY ik apBogqw purx ivvykI hY Aqy auhƒ Biv`K iv`c AwpxI Aw-
mdn Aqy jIvn kwl dw purw igAwn hY[ iksy vI apBogqw dw ieho ijhw ivvyk Aqy srvigAwqw hoxw
Avwsqivk hY[
5. hor cr (Many Variables) – ieh isDWq bhuq crW ijvy cwlU Awmdn, BwvI pRqXwiSq Srm Awmdn,
pirsMpiqAw dw mul, jIvnkwl AwdI qy inrBr krdw hY ijnWdw TIk Anumwx lgwxw bjuq muSkwl hY[
iesleI ieh Avwsqivk hY[
ien swirAw g`lW dy bwvjud, jIvn-c`kr isDWq aun swirAW isDWqW qo sryST hY, ijnW dI crcw auqy kIqI
jw cukI hY, ikauik iehdy iv`c apBog Pln dy AMqgrq cr dy rup iv`c kyvl pirsMpiqAw ƒ hI Swml nhIN
kIqw igAw hY, mgr ieh ies g`l ƒ vI spSt krdw hY ik kI QoVy smy iv`c MPC < APC hodI hY Aqy lMmy
smy iv`c APC siQr rhdI hY[
√ÚÀ ÓπÒª’‰ (Self Assessment)
hyT id`qy gey kQ`nW iv`c shI Aqy glq dI pihcwn kro
(State whether the following statements are True or False):
7. PRIfmYn dI ieh mwnqW Avwsqivk hY ik apBog Aqy Awmdn dy AsQweI ihisAw iv`c koeI shsMbD
nhI hY[
8. PRIfmYn dw isDWq kwihdw hY ik swry pirvwrW dI APC, cwhy auh grIb hox jW DMnI, lMmy smy iv`c
ieko ijhI nhI huMdI hY[
9. PRIfmYn dw sQweI Awmdn isDWq iqrXk Cyd bjt AWkfo dy Anurup hY[
10. eynfo Aqy moidglXwnI ny apBog dI jIvn c`kr apklpnw dw inrmwx kIqw[
9.3 √≈≈ßÙ (Summary)
PRIfmYn dw sQweI Awmdn isDWq iqrXk Cyd bjt AWkfo dy Anurup hY[ lMmy smy dy Awmfy, Awmdn
Aqy apBog dy iv`c smwnupwqI sMbD ƒ dsdy hn[ pr lMmy smy dy sMquln mwrg dy igrd Awmdn dy QoVy
smy dy auqwr-cfwv nwl sMbDq AiDAnw qo pqw cldw hY ik mwipq Awmdn Aqy mwipq apBog iv`c
gYr-Awnupwiqk sMbD hY[
LOVELY PROFESSIONAL UNIVERSITY 83