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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...

 "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 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...

 Why are the bones of Nepalis becoming weak?  Today's generation is very raw. Even if it falls from a small place, it will break. Hands and feet are even weaker. There are several examples of broken legs from the heels that are returned while going down the stairs. Neither fast food, nor agricultural work, nor physical exercise. How can the bones be strong?" You can hear the same from the ancients. They compare the diet, lifestyle, occupation, occupation and habits of the past and present. In their experience, the physical fitness of the current generation is not what it used to be. There is a lot of 'table work' but little physical exercise. They don't even stop walking, they ride a car even for one kilometer. Therefore, the health of this generation is not strong. They narrate the experience of not breaking their limbs even when they fight with a heavy load of grass or fall from a tree to the ground. There will be a lot of grass, firewood and weeds and the walkin...

 Why is vitamin B necessary, which foods are found? Like other nutrients, vitamin B also plays an important role in keeping the body healthy. Vitamin B helps the cells of the body work. With the help of this, food changes into energy and new blood cells are formed. Vitamin B is the element that balances skin cells, brain cells and other body tissues. Although vitamin B is one, there are many types in it. Each one has a separate job. Its type, function and source Vitamin B1 (Thiamine) Vitamin B1 is responsible for converting glucose from the food we eat into energy. It also helps in the functioning of nerves and hormones. The brain, kidneys and liver need high amounts of vitamin B. Deficiency symptoms Deficiency of vitamin B1 causes digestive problems, diarrhea, nervous problems, vomiting, blurred vision, fatigue, and tingling in limbs. source Vitamin B can be obtained from foods such as whole grains, dried fruits, beans, pasta, rice, trout fish, soybeans. Vitamin B2 (riboflavin) Th...

 These 7 signs are seen when hormones are imbalanced in women, know about them Hormones Imbalance In Women: When hormones are imbalanced in women, the effect is seen in the whole body. Know what symptoms are seen in women in such a situation. How To Fix Hormone Imbalances: To stay healthy and fit, it is also important to have balanced hormones. If your hormones are not balanced, then you will start falling prey to diseases. In such a situation, there can be a difference in your weight. Along with this, problems like fatigue and weakness can also occur throughout the day. What can be the reasons for hormones being unbalanced. Taking too much stress is considered to be the main reason for this. At the same time, poor eating habits and lifestyle can also cause this. Cases of hormonal imbalance are more common in women. In such a situation, many symptoms are seen in the body of women. It is very important to pay attention to them from the beginning. These signs are often related to the...

 These 5 food items are more dangerous than alcohol, can cause great damage to the liver We have all heard that alcohol consumption is very dangerous for our liver. It can damage the liver. If alcohol consumption is not stopped in time, it can also affect many other parts of the body. But, do you know that there are many such food items, which can be more harmful for the liver than alcohol. Not only this, if you do not limit their consumption, then you can also have many other serious health problems. In this article, we are telling you whether eating and drinking can damage the liver. Can eating and drinking damage the liver Sugar You should not consume sugar for the health of the liver. Although it is dangerous for diabetes patients. At the same time, if someone consumes too much of sugar-based food items, then it can cause fat accumulation in the liver. This can cause fatty liver problems. Saturated Fat Saturated fat is also very bad for the health of the liver. The question is ...

 What changes are seen in the body when falling in love with someone?  Love is that exciting feeling that can make today dearer than yesterday. After drowning in love feelings, the way of thinking, the way of experiencing, the likes and dislikes of oneself and one's ideology melts towards the lover or the girlfriend who makes the place of love. It is not limited to emotional experience. When the arrow of love strikes, a remarkable series of physical reactions begins within our bodies. Brain, chemistry and hormones They bring about changes in everything from powerful neurochemical flows to heart rate and breathing rhythms. This means that when in love, complex interactions between biological processes begin. Psychologist Gurleen Barua says, 'When the feeling of love is attached to a person, it is actually the brain that brings about most of the changes. But we think it is the work of the heart. "Our brains release a cocktail of chemicals, including dopamine and oxytocin, wh...