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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 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...

 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...

 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 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...

 6 mistakes that can weaken the mind The brain is the center that controls the body and mind. The brain plays a role in the functioning of the body and emotions. What do we think, what do we feel, how much do we remember the daily passing of time? How to walk and talk? All these are controlled in the mind. In order for the mind to work well, its health should also be taken care of. An injury to the brain does not make him unwell. Sometimes unconsciously, one's own small behavior and habits are directly and indirectly harming the mind. Some habits that damage the brain Insomnia Lack of sleep can be harmful to the brain. When we do not get enough sleep on a daily basis, our brain cannot function properly. As a result, there may be a decrease in intellectual ability to focus on something, to remember. Long-term lack of sleep can lead to depression, anxiety and other mental problems. Unhealthy diet A healthy balanced diet helps the brain to think better, concentrate, be alert and feel ...

 While the forensic department is looking for the body of the deceased... How are the dead bodies identified in the plane crash? Forensic Department of Terti Teaching Hospital in Maharajganj. On other days, the students studying in medical education were going back and forth. The atmosphere here was different on Wednesday. The bodies of the 18 deceased who died in the Sourya Airlines plane crash were taken to the forensic department of the hospital for post-mortem. Relatives gathered outside in the courtyard, all of them full of tears. Some are lying on the ground. Some are moaning and beating their chests. Relatives were trying to support each other. He was interested to see if there would be any information. The police micked from inside, only two relatives of the deceased should come inside. Relatives gathered outside hurriedly tried to get inside. The police guarding the gate asked only the relatives of the deceased to go inside as there was a large crowd inside. Relatives expr...

 In which case is the use of diapers harmful to the child? Now diapers are less for the baby and more for the parents. Because after wearing a diaper, the child gets rid of the hassle of making stools and urine. However, the use of diapers is correct to a certain extent, but its excessive use can be harmful. There is a fear of infection especially with the use of diapers. Therefore, the child should be taught to urinate separately and not in diapers. When there is stool-urine, the child indicates something. By understanding that signal, the child should be made to pass stool and urine separately. 1. The child should get used to sitting on a folding seat. However, it is difficult to get used to it. However, if you continue this practice for a few days, it will not be difficult. 2. The child signals before urinating. You have to understand that signal. Small children cannot hold their stools and they can pass them anywhere. However, they should be brought to the toilet as soon as the...

 What happens to the body when there is a lack of vitamin E? Vitamin E strengthens muscles and thins blood. It also works as an antioxidant. It also plays an important role in strengthening the immune system and protecting the body from various allergies. It also helps to control good cholesterol without increasing bad cholesterol in the blood. Therefore, this vitamin is very necessary for the human body. There are two types of vitamins - water soluble and fat soluble. Water-soluble vitamins include vitamin B1, vitamin B complex and vitamin C. But vitamin E is a fat-soluble vitamin. It should be included in regular daily diet. How much does the body need? According to people, its needs are different. Its requirement depends on the age. Infants to adolescents require 4 milligrams to 11 milligrams daily, while adults require 10 to 15 milligrams of the vitamin daily. Similarly, pregnant women need 5-6 milligrams more than normal people daily. An average of 20 to 30 milligrams is requi...

 What do vitamins do in the body? Vitamins are one of the 6 types of elements needed to keep the body healthy. Carbohydrates, proteins, fats, water and minerals needed by the body are also vitamins. Vitamins play a role in keeping the body healthy, increasing immunity and activating the brain to increase positive thinking and ability. There are two types of vitamins, fat soluble and water soluble. Fat-soluble vitamins are A, D, E and K, while water-soluble vitamins are C and B complex. Vitamin types and foods Vitamin A softens the skin. It helps to keep eye power normal, to grow bones and teeth. It also works to give fertility and immunity and prevent vision problems. There are two types of vitamin A, 'active vitamin A' and 'beta carotene'. Active vitamin A is also known as retinal. Liver, chicken and beef, milk, eggs are its main sources. Beta carotene vitamin is found in fruits and vegetables, which is called carotenoid. This vitamin is found in abundance in dark yell...