Time To Launch Now

 What is the primary goal of personal finance? What are the 4 pillars of wealth? ### **The Primary Goal of Personal Finance** The primary goal of personal finance is **achieving financial security and freedom**. This includes effectively managing money to meet current needs, prepare for future goals, and safeguard against financial risks. It ensures a balance between saving, spending, investing, and protecting resources. Key objectives within this overarching goal include:   1. **Building Wealth**: Accumulating financial assets for long-term goals such as retirement, homeownership, or education.   2. **Managing Risks**: Using tools like insurance and emergency funds to mitigate financial uncertainties.   3. **Achieving Financial Freedom**: Having sufficient resources to make life decisions without being constrained by financial limitations.   4. **Reducing Stress**: Establishing a clear plan to handle debts, expenses, and savings minimizes fi...

 What are the 5 C's of personal finance? What are the 4 pillars of personal finance? ### **The 5 C’s of Personal Finance** The **5 C’s of personal finance** provide a framework to assess financial health and decision-making. These principles are often used by lenders to evaluate borrowers, but they can also guide individuals in managing their personal finances. Here’s what they entail: --- #### **1. Character** - Refers to your financial responsibility, creditworthiness, and reliability. - Lenders assess this through your credit history and payment habits. - For personal finance, it’s about maintaining good financial discipline, such as paying bills on time and avoiding unnecessary debt. --- #### **2. Capacity** - Represents your ability to repay debts or meet financial obligations. - Measured by your income, expenses, and debt-to-income (DTI) ratio. - In personal finance, it involves ensuring your expenses are well within your earnings and having a solid plan to manage loans. --- ...

 What are 7 steps in personal finance? What is the primary focus of personal finance? ### **The 7 Steps in Personal Finance: Building Your Financial Roadmap** Personal finance is about managing your money effectively to meet your financial goals and achieve stability and security. By breaking it into manageable steps, you can take control of your financial future. Below are the **7 essential steps in personal finance**, followed by a look at its primary focus. --- #### **1. Set Clear Financial Goals** Begin by identifying your short-term, medium-term, and long-term financial goals.   - **Short-term goals**: Saving for a vacation or emergency fund.   - **Medium-term goals**: Buying a car or paying off student loans.   - **Long-term goals**: Retirement or funding your child’s education.   Define these goals using the SMART criteria: Specific, Measurable, Achievable, Relevant, and Time-bound. --- #### **2. Create a Budget** A budget is the backb...

 What is the meaning of personal finance? What are the 5 points of personal finance? ### What is the Meaning of Personal Finance?  Personal finance refers to the process of managing your money to achieve financial stability and long-term goals. It encompasses budgeting, saving, investing, and planning for expenses like education, retirement, or emergencies. Personal finance isn't just about numbers; it's about making informed decisions that align with your financial priorities and lifestyle. By understanding personal finance, you gain control over your income, expenses, and investments, empowering you to avoid debt traps, build wealth, and secure your future. ### The Five Core Points of Personal Finance  Mastering personal finance revolves around five key components. Here's a breakdown: #### 1. **Income Management**   Income is the foundation of personal finance. It includes earnings from wages, investments, and side hustles. Proper income management ensures tha...

 Morning walk and heart in winter To walk or not to walk in the morning this winter? Don't tell me.' A friend of the health media got a call. "Why?" I asked naturally. "Let's write something about what to do in the cold for those who have or may have heart disease." Oh what a great idea. We were mostly discussing other causes of heart disease. This particular winter month is important for more information. What a good thing you said. In winter, too much cold affects the heart. It is better to give information about this,' I said. Dr. Rajendra Koju "That's why I asked, how many people may be suffering without knowing about it," came the frank words of a journalist friend. As soon as he hung up the phone, something from 17 years ago came to his mind. One cold winter afternoon, I was looking after the patient in the outdoor department after midterm. Around 4 o'clock when it was almost over, a couple of familiar professors came to me. ...

 What precautions should be taken when going for a morning walk in winter? Exercise or morning walk is very beneficial for health. But it is said that it is harmful to go out for a morning walk in Kathmandu in winter. In winter, colds are common in the morning. The harmful particles in the air are fine carbon monoxide, carbon dioxide, sulfur dioxide and nitrogen oxide and ozone, which make the air harmful or polluted. In winter, the wind is less. Due to which the pollution accumulates in one place. In a city like Kathmandu, the cold-hot air column acts as a blanket during the winter season and keeps pollution at bay. That is why the environment is more polluted in winter. Since Kathmandu is shaped like a bowl and the air pollution is high, the air in the morning is also contaminated. In such a situation, doctors say that there will be serious problems in the heart and lungs when going on a morning visit. With the onset of winter, the air flow decreases and cold-warm air forms a lay...

 "Due to pollution, children in countries like Nepal are born with two years less life expectancy" The picture of the lungs placed at the gate of the Ministry of Health and Population shows how much air pollution affects the human body. In March last year, the color of the artificial lungs placed in the ministry was removed after 15 days when the lungs turned black. With the increase in air pollution in Kathmandu Valley, experts urge children, senior citizens and patients not to leave their homes at the same time. Air pollution is a health hazard. In other words, air pollution is directly affecting people's health. There is no part of the human body that is not affected by it. Air pollution is a silent killer. It is not visible. But its impact is very high. It affects every part of our body", chest specialist Dr. Raju Pangeni says. About the effects of pollution on health and preventive measures, chest disease and intensive care specialist Dr. Edited excerpt of onlin...

 What is the risk of diabetes in children? The problem of diabetes in children is increasing, there are various reasons for this. To solve this problem, it is very important to understand its cause. Mainly, there are two types of diabetes, type-1 and type-2 diabetes. Both these types of diabetes occur in children for various reasons. genetic cause If the child has a family history of diabetes, the child is more likely to develop diabetes. Type-1 diabetes is often caused by genetic factors, which include the destruction of the insulin-producing cells in the pancreas. If any member of the family has type-1 diabetes, the child is more likely to develop this disease. Unhealthy lifestyle Today's children consume more junk food and sugary foods. These substances increase the level of sugar in the body, which hinders the action of insulin. Lack of physical activity and staying indoors also increases the risk of diabetes. obesity Obesity is the leading cause of diabetes in children. When a...

 How to pay attention to the child's diet in winter? In winter, the body needs more energy than in other seasons. Therefore, special care should be taken in food. At this time, if the child is not taken care of, there is a risk of suffering from various problems. Therefore, the same kind of food and care is necessary to make the child blend with the external environment. At this time, you should not only wear warm clothes, but also give nutritious and hot food. Parents should pay special attention to the child's diet to keep the child healthy and refreshed in winter. Baby food in winter In winter, children should be given plenty of seasonal fruits to increase their immunity. Fruits like orange, kiwi, amla found in winter are rich in vitamin C, which helps in increasing the immunity of the child. Vitamin C not only protects against cold, but also helps to keep the skin healthy and improve blood circulation. Pomegranate, apple can also be given. Pomegranate increases the level of...

 Acupuncture Medicine: 12 Questions and Answers Acupuncture medical treatment started three thousand years ago. Acupuncture, which has a history longer than modern medicine, was virtually unknown a few decades ago. But the experts studied and researched this treatment thoroughly and discovered its usefulness. Not only did they find out, but they tried every possible way to find out how to use it. As a result, this method is in discussion again. But still people are curious about this method. A few questions related to this Is acupuncture science proven? Yes, acupuncture is a traditional Chinese medicine system. But its effectiveness has been proven by modern research. Various studies have shown that acupuncture can help with pain management, stress and other health problems. Does acupuncture hurt? no Most people feel only mild pain or a touch of the needle during acupuncture. The needles are very thin, so that the pain caused by the injection is minimal. A properly trained physicia...

 Depression and suicidality in cancer survivors According to a 2014 study by the World Health Organization in Nepal, 14,300 people die every year due to cancer. According to another report two years later, 30,000 cancer patients are added every year. Officials of concerned agencies say that the number of people who commit suicide due to psychological problems is also high. General Secretary of Cancer Care Society Dr. Sarita Ghimire says that there is no systematic study on the mental condition of cancer patients and their suicide rate in Nepal. However, looking at this situation, his number is alarming. Many people analyze people with cancer from a one-sided angle. However, they did not discuss about their mental condition. Various studies have shown that there is such a problem all over the world. The studies done about their mental problems have shown its terrible condition. According to the data of the World Health Organization, more than 9 million people died from cancer in 201...

 How does stress turn into depression? It is natural to worry about something. But worrying can be harmful. Stress or worry day and night can lead to depression. And, if the depression is not recognized in time and the support and support of the family is not provided, the situation may become more serious. Nowadays, many people from young age to old age who suffer from depression are seen in the mental illness department of the hospital. In fact, when the brain does not get complete rest, then a kind of stress builds up in it. As a result, stress gradually turns into depression. How does stress turn into depression? Stress is a disturbance in the homeostasis of the body. Homeostasis is a condition that disrupts the physical, mental and psychological functioning of a person. Due to stress, the level of certain hormones in the body increases above average, among which adrenaline and cortisol are the main ones. If the level of these hormones increases continuously, stress turns into ...