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 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 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...

 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...

 What are the risks of traveling while pregnant? Why is pregnancy travel risky? Many people may have this question. It does not mean that you should not travel during pregnancy. If the short distance is good, careful travel may not make a difference. However, if the pregnancy is near the first trimester and the last trimester, if the destination is far away, not only the baby but also the mother's health may be at risk. So, before traveling by air or by bus, you must think once. What happens when traveling in the first trimester? Morning sickness is at its peak due to hormonal changes. In which problems such as vomiting, headache and fatigue are seen daily. Vomiting can be more than average while traveling. which relaxes the body. On top of that, the child should not have taken a good place. In this case, there is a high possibility of miscarriage while traveling long distances. However, there is not much risk if you drive slowly in places where there are no potholes for a short di...

 Dashain food: What should diabetic patients pay attention to? Dashain's tasty food makes Dashain fun, but if you don't pay attention to food, chronic patients may have more problems during the festival. The problem of diabetes is more related to diet. Therefore, people with diabetes should pay a lot of attention to their diet. However, people with diabetes need to eat regularly, not only during Dashain. Even if you take medicine for the problem of diabetes, if you do not pay attention to the diet, the medicine will not work. Taking medication but not eating will increase the sugar label. Therefore, both food and medicine should be taken together. During Dashain, there is more work at home than usual, so it is not possible to eat on time. Breakfast can be eaten at once only in the afternoon. In this case, there is a lot of hunger and a large amount of food is eaten at one time. Which can reduce the sugar label. Therefore, due to the problem of diabetes during Dashain, one shoul...

 Tetanus vaccine should be given to the child under what circumstances? Tetanus is a serious and deadly disease. whose vaccination is considered mandatory for the safety of children. This disease is usually transmitted by tetanus bacteria found in soil, dust or dirty objects, which enter the body through injuries. Tetanus bacteria can survive in the body for years. The titanospasmin produced by it seems to have a bad effect on our nervous system, brain and muscles. Boiling these germs in water for 20 minutes does not kill them. Germs become active after entering the body through a wound. Symptoms of tetanus Symptoms of tetanus appear after a week or two after the tetanus bacteria enter the body. There is fever, diarrhea, headache. Problems such as jaw muscle stiffness and difficulty in opening and closing the mouth, difficulty in eating and drinking, stomach ache, muscle contraction in the back of the body are seen. Symptoms of tetanus include increased pain in the muscles, rapid b...

 What to do immediately after burning with hot oil? Burning is an unexpected event. This kind of accident can happen especially while working at home. However, it is better to take necessary precautions before the accident than to treat it after the accident. But while cooking in the kitchen, sometimes hot oil splashes and falls on the body, causing irritation and blisters. This type of burn causes irritation and is also very painful. In addition, there are scars on the burned or burned parts. How much has been burned by fire or hot water? How is it burnt? How complex or simple is it? According to this, the treatment may be different. If the situation is not too complicated, some first aid can be done at home. What to do with hot oil? - If the skin on the burnt area is red, if the blisters are not raised, cold water should be applied to the burnt area immediately. It should be made into a stream, especially from a stream or pot, and applied to the burnt area. It should be applied u...

 What causes kidney cancer? The kidneys filter out harmful substances and chemicals from the body. Harmful substances reach the urinary bladder through urine. And finally it comes out of the urethra. In this way, the kidney cleans the blood of our body. In addition, it also performs important functions such as keeping the blood pressure balanced, potassium, sugar, urea, creatinine and other trace elements, vitamins, and salts in the body. What is the condition of the kidneys? Every person has two kidneys. which are located in the back of the abdomen to the right and left of the spine. The kidney is 10 to 13 cm in length and 3 to 5 cm in width, which looks like a bean in shape. Each kidney averages 150 to 250 grams. Blood flows from the heart to both the kidneys through a large artery. After the blood is cleaned in the kidneys, it returns to other parts of the body. Therefore, if you have kidney disease, life becomes difficult. Life is not possible without kidneys. Kidney cancer Kid...

 What kind of person is at risk of bone cancer? Sarcoma is a cancer caused by uncontrolled cell growth in muscles and bones. This cancer can occur in soft muscles, bones, fat, tissues, blood vessels, nerves and joints. This cancer cell develops rapidly in the soft cells that are mostly found in the bones. Initially, this cancer develops in 'connective tissue' (tissue connecting two organs). Then gradually other areas start spreading. This cancer then spreads to the lungs. This cancer is considered rare but very deadly. Because there are more than 70 types of this cancer. Out of which, two main types are soft tissue sarcoma and bone sarcoma. Sarcoma accounts for one percent of cancer in adult patients and 15 percent in children. There are different types of sarcoma including osteo sarcoma, angio sarcoma, chondro sarcoma, chondroma, fibro sarcoma, Ewing sarcoma, leiomyo sarcoma, lipo sarcoma, malignant, peripheral nerve. Of which osteosarcoma is the most common. How is sarcoma ca...

 What is the treatment for knee pain? The knee joint is one of the largest and most complex joints in the human body. It plays a key role in activities such as supporting body weight, daily walking, running and jumping. But with age, due to wrong exercise methods, injuries or diseases, knee pain has become a problem for many people. Arthritis of the knee joint is a type of inflammatory disease in the joints and surrounding tissues of the human body, the disease process of which progresses slowly and usually appears after middle age. Its clinical symptoms include joint redness, swelling, warmth, pain, impaired mobility, and joint deformity. At the beginning of the disease, the problem appears in the cartilage of the joint and then it spreads to the bone below the cartilage, the nerve membrane and other tissues around the joint. The main feature is the erosion of the cartilage on the surface and edges of the joint and the formation of new bone. The origin process of this disease is c...

 What happens if you leave carbohydrate foods completely? Most people believe that carbohydrates cause weight gain. That's why they cut carbohydrate foods from their diet. Is this really true? Some people are saying, "After giving up carbohydrate-rich foods, high blood pressure and chronic diseases such as diabetes can be cured." Are carbohydrates really not necessary for the body? Does consuming carbohydrates lead to weight gain or does it have any negative health effects? Reducing the amount of carbohydrates is not harmful to health. But it is not advisable to give up carbohydrates completely. Carbohydrate is one of the three macronutrients. Apart from fats and proteins, the body also needs carbohydrates for daily functions. In this case, stopping its intake completely can increase the problem. Lack of energy Carbohydrates are the body's most important source of energy. If not enough carbohydrates are consumed, it often leads to feeling tired, weak and lethargic. La...

 What kind of disease is polio, why should you get vaccinated? A modified form of polio virus was found when a sample of sewage collected near the Tukucha-Bagamati confluence of Kathmandu was tested. After the detection of polio bacteria, a special vaccination campaign against polio is being conducted in Kathmandu, Lalitpur and Bhaktapur. A modified form of polio, type '3' bacteria has been found. Child Health and Immunization Division Head under the Family Welfare Division should be given mandatory polio vaccination for children under five years of age. Abhiyaan Gautam explains. Why is polio vaccination important? How effective is the vaccine against polio? Dr. etc. Edited part of online journalist Sumitra Luitel's conversation with Gautam: What disease is polio? Polio is a disease caused by the virus. It spreads mainly through person-to-person contact. It is spread by consuming food or drinks containing feces and urine of an infected person. Polio mainly affects children ...