(middle income trap) Mihing khat ih hih nak leh sumneih ding ki ut thei mahmah hi. Sum khol ding leh a khol dan ding a ngaihsun lo tata in sum nei nuam mahmah sawnsawn hihang, tua pen mihing ngeina hi. Hih ih thulu tawh kizui in “alaihawl sumlut nei khat banghang sum neihbeh thei lo hiam?” cih kammal (4) tawh kikum ni.
1) Sumlut (Income) – nasep, sumbawlna, leh a koikoi pan aa ih ipsung ong lut sum pen sumlut hi pah hi.
2) Sumzat (Expense) – Nisim aa ih kisapna mun peuh-ah ihzat sum khempeuh sumzat hi pah hi.
3) Sumbung (Asset) – Hih sumbung pen sum ong ngah sak thei ih neihsa lamsa van-le-na leh pilna siamna khat pepeuh hi pah hi.
4) Sumbungtawheng (Liability) – Sumbeina ding vive a piangsak neihsa lamsa van-le-na khempeuh Sumbungtawheng hi pah hi.
Mi pawlkhat sum nei dekdek leh kilawm na pi’n, sum a neihbeh theih nai loh deuhna teng anuai-ah ahang gentehna tawh kikum suk ni.
Mikhat in khuapi aa om company khatah kha sum kawlgam sumin TENG 15 (gross income) tawh nasep kipan ci ni. A khasum pen hi ci et pak leng alaihawl khasum hi. A khasum a tam tawh kizui-in kumpi lam pan siah 20% piak kul-in (TENG 3), biakna lam tawh kisai 1/10 ong khia-in (TENG 1.5) a innsaap man TENG 2 a piak khit teh adang zatna a kihel nai lo a sumcian pen TENG 8.5 hi. Iphone, IPad, leh Macbook te abatin ong lei-in nik leh puansilh brand vive silh-in, ansai mithangte ah anlim tuilim viik-in, a lawmte tawh gualnop khualzinna khawng ong nei zelzel-in; a kisam lua lo van pawlkhat ong lei beh ding; kipawlna tuamtuam pan zong khasum tampi ngah aih teh siah piak dan ahih sam loh hang sum a na don zezeuh khit teh Kha 1 in manman TENG 5-7 bang ong bei beh leh; Kha 1 a sumcian (net income) pen TENg 1.5-3.5 khawng bek ong hi ding hi.
Ahang pen Sumbungtawheng tamnei lua cihna hi. Iphone-le-Macbookte pen android leh windows-te bang lo-in application neuno naleng lei tangtang kul hi. Company in ong zatsak hi lo-in tua tawh sum ih zon theih kei leh sumbungtawheng hi pah hi. Branded nik le puante zong sumbung lian sa’ng tawheng nam hi zaw hi. Khuapi ah ansai minthangte’ brand pen kisam lo pi-in sum piapia aihteh hizong tawheng nam mah hi. Sum ong ngahsak lo van khat pepeuh ih leinak leh tuate sumbungtawheng hi pahpah hi.
Eimi gamdang tung pawlkhat zong tu-a danin sum azang ki om kawmkawm hi. Model sang mawtaw hoih, inngol saap, innsung ah set van a tamluat leh sumbungtawheng vive hi aa khasim sumzat tam mahmah ding cihna hi pah hi. Credit card ih lim zat mahmah beh lai leh bel innkuan sum neih kibehlap nading sa’ng, kiam lam leh sumbat lam ki manawh zaw ding cihna hi.
Aleh lam pan gen kik leng, nik le puan a kilawm ciang silhin; cidam na ding a hoih bek ciang ansai ah an ne; a kisam lo pi van lei kei-in, tax aniam deuh aa piak kisiam mawtaw zangin, ih kisap cia lian innsaap, credit a kisap na mun bek-ah zangin, instalment aa a piak sum teng tawh atung aa ih gen Mipa in a pilna behlap to-in, aihkeh tanu tapa a neih leh tuate nasep (general work) semsak pah lo-in tansang sin to sak; nisim kivaak nading siamna tuamtuam sinsak leh tua-te sang ong man teh nasep ong kipan ding aa sumbung vive hi pah hi. Adang-ah a zat theih kei leh zong ameetpai Ban (bank) ah koih beek leh ama aading Sumbung hi pah hi.
Ih gennop bulpi pen “alaihawl sumlut nei khat banghang sum neihbeh thei lo hiam?” ih cih teh, a diakdiak pen Sumbungtawheng tamnei lua cihna hi.
#Asang sumlut nei khin te’n Sumbung lei beh in, alaihawl sumlut nei te’n Sumbungtawheng leibeh ding geelgeel lai uh hi.
Sumbung tampi lei kipan ni! Source: Bones Rodriguez/ Tedim Post
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