<h2 class="sub-title">ਪà©à¨°à¨µà¨¾à¨¸à© à¨à¨¾à¨°à¨¤à©à¨à¨ ਨà©à©° à¨à¨²à¨à¨¾ ਸà¨à¨¿à¨à¨à¨¾à¨° ਦ੠à¨à¨à¨à©, ਮਾਰà¨à©à¨ ਮਿਸਾਮਠਠਤ੠ਰਿਸ਼ਤà©à¨¦à¨¾à¨°à© ਵਾਲ੠à¨à©à¨®à¨¿à¨à¨¾à¨µà¨¾à¨ à¨à¨¾à¨°à¨¨ à¨à¨¾à¨°à¨¤à© ਠੱਯà©à¨¬ ਬਾà¨à¨¼à¨¾à¨° ਵਿਠà¨à©à¨£à©à¨¤à©à¨à¨ ਦਾ ਸਾਹਮਣਾ à¨à¨°à¨¨à¨¾ à¨à©à¨£à©à¨¤à©à¨à¨ ਦਾ ਸਾਹਮਣਾ à¨à¨°à¨¦à¨¾ ਹà©.</h2>
<p></p>
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<p>ਵਿਦà©à¨¸à¨¼à¨¾à¨ ਵਿਠà¨à©à¨°à©à¨ ਰ ਬਣਾà¨à¨£ ਦ੠à¨à¨ ਸਾਲਾਠਤà©à¨ ਬਾਠਦ, ਬਹà©à¨¤ ਸਾਰ੠ਪà©à¨¸à¨¼à©à¨µà¨° à¨à¨¾à¨°à¨¤ ਪਰਤਣ ਦਾ ਸà©à¨ªà¨¨à¨¾ &#8211; à¨à©à¨¤à¨° ਲਠਪਰਿਵਾਰ, ਸà¨à¨¿à¨à¨à¨¾à¨° ਠਤ੠à¨à¨¾à¨£-ਪà¨à¨¾à¨£à© ਠਧਾਰ. ਪਰ ਹà¨à¨¼à¨¾à¨°à¨¾à¨ ਰਿà¨à¨°à¨¨à¨¿à©°à¨ ਪà©à¨°à¨µà¨¾à¨¸à© à¨à¨¾à¨°à¨¤à©à¨à¨ ਲà¨, à¨à¨°-ਵਾਪਸ੠ਠà¨à¨¾à¨¨à¨ ਵਾਰ੠ਨਾਲ à¨à¨à¨à¨¦à© ਹà©: à¨à¨¸ ਨ੠à¨à¨²à¨ªà¨¨à¨¾ à¨à©à¨¤à© ਸà©.</p>
<p>ਤà©à¨¹à¨¾à¨¡à¨¾ ਲਿੰà¨à¨¡à¨à¨¨ ਪà©à¨°à©à¨«à¨¾à¨à¨² ਪà©à¨°à¨à¨¾à¨µà¨¸à¨¼à¨¾à¨²à© ਹà©. ਤà©à¨¹à¨¾à¨¡à¨¾ ਰà©à¨à¨¼à¨¿ .ਮ੠à¨à¨²à©à¨¬à¨² à¨à¨à¨¸à¨ªà©à¨à¨°, à¨à¨°à¨¾à¨¸-ਸà¨à¨¿à¨à¨à¨¾à¨°à¨ ਲà©à¨¡à¨°à¨¸à¨¼à¨¿à¨ª ਠਤ੠à¨à©±à¨-ਮà©à©±à¨² ਦ੠ਪà©à¨°à©à¨à©à¨à¨ ਨà©à©° ਦਰਸਾà¨à¨à¨¦à¨¾ ਹà©. ਪਰ à¨à¨¦à©à¨ ਤà©à¨¸à©à¨ à¨à©±à¨¥à© ਲਾà¨à© à¨à¨°à¨¦à© ਹà©, ਤਾਠਤà©à¨¸à©à¨ à¨à©à©±à¨ª, à¨à¨¿à¨à¨ à¨à¨¾à¨ ਨਿਮਰ ਠਸਵà©à¨à¨¾à¨° ਨਾਲ ਮਿਲਦ੠ਹà©. </p>
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<h4 class="sub_head">ਠਦਿੱਠà¨à©°à¨§</h4>
<p>ਬਹà©à¨¤ ਸਾਰ੠ਵਾਪਸ à¨à¨à¨£ ਵਾਲ੠ਪà©à¨¸à¨¼à©à¨µà¨°à¨¾à¨ ਦਾ ਤà¨à¨°à¨¬à¨¾ à¨à© ਹ੠<b>à¨à¨²à¨à¨¾ ਸà¨à¨¿à¨à¨à¨¾à¨° ਦਾ à¨à¨à¨à¨¾</b> ਠਤ੠<b>ਮਾਰà¨à©à¨ ਮà©à¨² à¨à¨¾à¨à¨¦à¨¾ ਹà©</b>à¨à¨¹ ਸਿਰਫ à¨à©à¨µà¨¨à¨¸à¨¼à©à¨²à© ਬਾਰ੠ਹ੠ਨਹà©à¨ &#8211; à¨à¨¹ à¨à¨¸ ਬਾਰ੠ਹ੠à¨à¨¿ ਨà©à¨à¨°à© à¨à¨¿à¨µà©à¨ à¨à©°à¨® à¨à¨°à¨¦à© ਹà©.</p>
<p>à¨à¨°à¨¤à© à¨à¨°à¨¨ ਵਾਲ੠ਠਤ੠à¨à©°à¨ªà¨¨à©à¨à¨ ਠà¨à¨¸à¨° ਹà©à¨°à¨¾à¨¨: &#8220;à¨à© à¨à¨¹ à¨à©±à¨¥à© ਲੰਬ੠ਸਮà©à¨ ਤà©à¨ ਨਿਪà¨à¨£à¨à©à¨à¨?&#8221; &#8220;à¨à© à¨à¨¹ à¨à¨¾à¨°à¨¤à© à¨à©°à¨® ਦ੠ਸà¨à¨¿à¨à¨à¨¾à¨° ਨਾਲ ਠਨà©à¨à©à¨² ਹà©à¨£à¨à©?&#8221; &#8220;à¨à© à¨à¨¨à©à¨¹à¨¾à¨ ਨà©à©° à¨à¨®à©à¨¦ ਹ੠à¨à¨¿ à¨à¨¹ à¨à¨¾à¨à¨¬à¨² ਪੱਧਰ ਦ੠ਮà©à¨à¨µà¨à¨¼à© ਠਤ੠ਲਾà¨à¨¾à¨ ਦ੠à¨à¨®à©à¨¦ à¨à¨°à¨¦à© ਹਨ?&#8221;</p>
<p>ਨਤà©à¨à¨¾? Staller ਪਰà©à¨«à¨¾à¨à¨² ਠà¨à¨¸à¨° ਧਿà¨à¨¨ ਨਾਲ ਵਿà¨à¨¾à¨°à¨¨ ਤà©à¨ ਪਹਿਲਾਠਫਿਲà¨à¨° à¨à©à¨¤à© à¨à¨¾à¨à¨¦à© ਹਨ.</p>
<p>ਠਤ੠ਫਿਰ à¨à¨¾à¨°à¨¤à© ਨà©à¨à¨°à© ਬਾà¨à¨¼à¨¾à¨° ਦ੠ਬਣਤਰ ਹà©. <b>ਸà©à¨¨à©à¨ ਰ à¨à©à¨®à¨¿à¨à¨¾à¨µà¨¾à¨ à¨à©±à¨, à¨à¨¼à©à¨°à¨¦à¨¾à¨° ਮà©à¨à¨¾à¨¬à¨²à© ਵਾਲà©à¨à¨ ਠਤ੠ਡà©à©°à¨à¨¾à¨.</b> à¨à¨¹ ਹà©à¨£ ਸà©à¨µà© ਬਾਰ੠ਨਹà©à¨ ਹà©. ਤà©à¨¹à¨¾à¨¨à©à©° à¨à©à¨£ à¨à¨¾à¨£à¨¦à¨¾ ਹà©; à¨à© ਤà©à¨¹à¨¾à¨¡à© ਤ੠à¨à¨°à©à¨¸à¨¾ à¨à¨°à¨¦à¨¾ ਹà©; ਠਤ੠ਤà©à¨¸à©à¨ à¨à©±à¨¥à© à¨à¨¿à¨°à¨¾à¨ &#8216;ਤ੠ਲà©à¨£ ਦ੠ਠà¨à¨¾à¨¨à¨ ਨਿਯਮਾਠਨà©à©° à¨à©°à¨à© ਤਰà©à¨¹à¨¾à¨ ਸਮà¨à¨¦à© ਹà©.</p>
<h4 class="sub_head">ਠਸਲ à¨à¨¹à¨¾à¨£à©à¨à¨, ਠਸਲ ਸੰà¨à¨°à¨¸à¨¼</h4>
<p>à¨à¨¹ ਸਿਰਫ ਠਲੱà¨-ਥਲੱਠਨਹà©à¨ ਹਨ. à¨à©±à¨¥à© ਮà©à¨ ਪਹਿਲ੠ਵਾਰ à¨à©à¨à¨¿à©°à¨ à¨à¨°à¨¦à© ਸਮà©à¨ à¨à¨¨à¨à¨°à¨à¨ ਰਿà¨à¨°à¨¨ ਨà©à©° ਵà©à¨à¨¿à¨ ਹà©:</p>
<p>à¨à©±à¨ ਤà¨à¨¨à©à¨à© ਪà©à¨¸à¨¼à©à¨µà¨° ਨ੠ਸਿੰà¨à¨¾à¨ªà©à¨° ਵਿੱਠ15 ਸਾਲਾ ਤà¨à¨¼à©à¨°à¨¬à© ਵਾਲ੠à¨à¨¾à¨°à¨¤ ਵਿੱਠ100 ਤà©à¨ ਵੱਧ ਨà©à¨à¨°à©à¨à¨ ਲਠਠਰà¨à¨¼à© ਦਿੱਤà©. ਠੱਠਮਹà©à¨¨à¨¿à¨à¨ ਬਾਠਦ, à¨à¨¹ à¨à¨à¨°à¨à¨¾à¨° ਸ਼à©à¨°à© ਵਿੱਠਸ਼ਾਮਲ ਹ੠à¨à¨¿à¨ &#8211; à¨à©±à¨ ਨਾਲ <b>40% ਤਨà¨à¨¾à¨¹ à¨à¨à©à¨¤à©</b>,</p>
<p>ਯà©à¨à©-ਠਧਾਰਤ ਮਾਰà¨à©à¨à¨¿à©°à¨ ਦ੠ਸਿਰ ਨà©à©° ਬਾਰ ਬਾਰ ਦੱਸਿਠà¨à¨¿à¨ à¨à¨¿ à¨à¨¹ ਸ੠<b>&#8220;à¨à¨µà¨°à¨²à¨¿à¨«à¨¾à¨à¨¡.&#8221;</b> à¨à¨¿à¨¸à© ਨ੠à¨à¨¸à¨¨à©à©° à¨à©à¨®à¨¿à¨à¨¾ ਨਹà©à¨ ਦਿੱਤà©, à¨à¨¸ ਲਠà¨à¨¸à¨¨à© ਸਲਾਹ-ਮਸ਼ਵਰ੠ਲਠà¨à©à©±à¨à¨¿à¨. ਠੱà¨, à¨à¨¹ ਸਫਲ ਠà¨à¨¿à¨à¨¸ à¨à¨²à¨¾à¨à¨à¨¦à© ਹà©, ਪਰ ਲਾਠਮà©à¨¸à¨¼à¨à¨² ਸà©.</p>
<p>ਵਿੱਤ ਦ੠ਨà©à¨¤à¨¾ à¨à¨®à¨° ਦ੠ਮਾਪਿà¨à¨ ਦ੠ਸੰà¨à¨¾à¨² à¨à¨°à¨¨ ਲਠਵਾਪਸ à¨à¨. à¨à¨¨à¨¾à¨® ਦ੠ਦਹਾà¨à¨¿à¨à¨ ਦ੠ਬਾਵà¨à©à¨¦, à¨à¨¸à¨¨à©à©° ਦੱਸਿਠà¨à¨¿à¨ à¨à¨¿ à¨à¨¹ ਸਮਠਨਹà©à¨ ਸà¨à© <b>&#8220;à¨à¨¾à¨°à¨¤à© ਬਾà¨à¨¼à¨¾à¨° ਦà©à¨à¨ ਸੱà¨à¨¾à¨à¨à¨.&#8221;</b></p>
<h4 class="sub_head">à¨à¨¹ à¨à¨¿à¨à¨ ਹà©à©°à¨¦à¨¾ ਹà©</h4>
<p>à¨à© à¨à©°à¨® ਨਹà©à¨ à¨à¨°à¨¦à¨¾: <b>ਸਥਾਨਠਸਨਮਾਨ ਦ੠à¨à¨°à©°à¨à© ਲਠà¨à¨¾à¨à¨¬à¨ ਤà¨à¨¼à¨°à¨¬à© ਦ੠à¨à¨®à©à¨¦.</b></p>
<p>ਸਿਰਲà©à¨ ਠਨà©à¨µà¨¾à¨¦ ਨਹà©à¨ à¨à¨°à¨¦à¨¾. à¨à¨¾à¨°à¨¤à© à¨à©°à¨ªà¨¨à©à¨à¨ ਸਿਰਫ à¨à¨ à¨à¨²à©à¨¬à¨² ਰਣਨà©à¨¤à© ਨਹà©à¨ à¨à¨¾à¨¹à©à©°à¨¦à©à¨à¨, ਬਲà¨à¨¿ relevant à©à¨à¨µà©à¨ ਪà©à¨°à¨¸à©°à¨ ਵà©.</p>
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<p><b>ਸਹ੠ਫਿੱਠਦ੠à¨à¨¡à©à¨: </b>à¨à©°à¨¤à¨à¨¼à¨¾à¨° à¨à¨¿à©°à¨¨à¨¾ à¨à¨¼à¨¿à¨à¨¦à¨¾ ਮà©à¨¸à¨¼à¨à¨² à¨à¨¹ ਮà©à¨¸à¨¼à¨à¨² ਹ੠à¨à¨¾à¨à¨¦à¨¾ ਹà©. ਬਹà©à¨¤ ਲੰਮ੠ਸਮà©à¨ ਲਠਫà©à¨¿à¨ à¨à¨¾ ਰਿਹਾ ਸਮà©à¨ ਠਤ੠ਮਾਨਸਿà¨à¨¤à¨¾ ਵਿੱਠਵਿਸ਼ਾਲ ਪਾà©à¨¾ ਬਣਾà¨à¨à¨¦à¨¾ ਹà©.</p>
<h4 class="sub_head">ਠਸਲ ਵਿੱਠà¨à© à¨à©°à¨® à¨à¨°à¨¦à¨¾ ਹà©</h4>
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<p>à¨à¨²à© ਸà¨à©à¨°à¨¿à¨ªà¨ ਨà©à©° ਫਲਿਪ à¨à¨°à©à¨. à¨à© ਤà©à¨¸à©à¨ ਵਾਪਸ à¨à¨à¨£ ਤà©à¨ à¨à©°à¨à©à¨° ਹà©, <b>ਰਣਨà©à¨¤à© ਦ੠ਮਾਮਲ੠ਵੰਸ਼ਾਵਲ੠ਨਾਲà©à¨ ਵਧà©à¨°à©</b>,</p>
<p>à¨à¨ªà¨£à© à¨à¨¾à¨² ਨà©à©° ਤਿà¨à¨° à¨à¨°à¨¨à¨¾ ਸ਼à©à¨°à© à¨à¨°à©. à¨à¨¾à¨²à¨à¨¾à¨ ਵਿਠਸਹਿਯà©à¨à©, ਮਾਸà¨à¨°à¨¾à¨ ਠਤ੠ਸਾਬà¨à¨¾ ਸਾਥ੠ਸਹਿਯà©à¨à© ਨਾਲ ਦà©à¨¬à¨¾à¨°à¨¾ à¨à¨¨à©à¨à¨ à¨à¨°à©. à¨à¨ªà¨£à© ਨà©à¨à¨µà¨°à¨ ਨà©à©° ਦੱਸ੠à¨à¨¿ ਤà©à¨¸à©à¨ ਵਾਪਸ ਠਰਹ੠ਹà©. à¨à¨°à¨® à¨à©°à¨à©à¨°à© à¨à©±à¨ ਲੰਮਾ ਰਸਤਾ ਹà©.</p>
<p>ਸ਼à©à¨°à© ਵਿੱਠਲà¨à¨à¨¦à¨¾à¨° ਬਣà©. ਹਾà¨, ਤà©à¨¸à©à¨ à¨à¨²à©à¨¬à¨² à¨à©à¨®à¨¾à¨ ਦ੠ਠà¨à¨µà¨¾à¨ à¨à©à¨¤à© ਹà©. ਪਰ à¨à¨¾à¨°à¨¤à© ਮਾਰà¨à©à¨ ਨà©à©° ਤà©à¨¹à¨¾à¨¨à©à©° ਠਨà©à¨à©à¨² ਵà©à¨à¨£ ਦ੠à¨à¨¼à¨°à©à¨°à¨¤ ਹà©. à¨à©±à¨¥à©à¨ ਤਠà¨à¨¿ ਸਿਰਲà©à¨ à¨à¨¾à¨ ਤਨà¨à¨¾à¨¹ ਵਿਠà¨à¨ ਠਸਥਾਠਥੱਲ੠ਡੱਬ੠à¨à©à©±à¨²à©à¨¹ ਸà¨à¨¦à© ਹਨ à¨à© ਲੰਬ੠ਸਮà©à¨ ਤà©à¨ ਸਫਲਤਾ ਦਾ à¨à¨¾à¨°à¨¨ ਬਣ ਸà¨à¨¦à© ਹਨ.</p>
<p>à¨à¨²à©à¨¬à¨² ਸਮਰੱਥਾ à¨à©à¨à¨¦à¨°à¨¾à¨ ਨà©à©° ਵà©à¨à©. à¨à©à¨¸à©à¨¸à© à¨à¨²à©à¨¬à¨² ਤà¨à¨°à¨¬à© ਦ੠à¨à©à¨®à¨¤ à¨à¨¾à¨°à¨¤ ਵਿੱਠ<b>ਠਤà©</b> ਤਬਦà©à¨²à© ਦà©à¨à¨ à¨à©à¨£à©à¨¤à©à¨à¨ ਨà©à©° ਸਮà¨à©. à¨à¨¹ ਬਦਲ੠ਲਠਠà¨à¨¸à¨° ਨਿਰਵਿà¨à¨¨ ਲà©à¨à¨¡à¨¿à©°à¨ ਪà©à¨¡ ਹà©à©°à¨¦à© ਹਨ.</p>
<p>ਸਲਾਹ-ਮਸ਼ਵਰਾ à¨à¨°à¨¨à¨¾, ਪਿੱà¨à¨¾ ਨਾ à¨à¨°à©. ਪà©à¨°à©à¨à©à¨à¨-ਠਧਾਰਤ ਸਲਾਹ-ਮਸ਼ਵਰ੠à¨à¨¾à¨ ਠੰਤਰਿਮ à¨à©à¨®à¨¿à¨à¨¾à¨µà¨¾à¨ &#8216;ਤ੠à¨à©à¨° à¨à¨°à©. à¨à¨¹ ਤà©à¨¹à¨¾à¨¨à©à©° ਲà©à¨à¨¡à¨¸à¨à©à¨ª ਨà©à©° ਸਮà¨à¨£ ਲਠਸਮਾਠਦ੠à¨à© ਤà©à¨¹à¨¾à¨¡à© ਸਥਾਨਠà¨à¨°à©à¨¸à©à¨¯à©à¨à¨¤à¨¾ ਬਣਾà¨à¨£ ਵਿੱਠਸਹਾà¨à¨¤à¨¾ à¨à¨°à¨¦à¨¾ ਹà©.</p>
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<h4 class="sub_head">ਠੱà¨à©</h4>
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