Nepal Post

गोरखा । नेपालमा यस्तो पनि गाउँ छ । जहाँ युवतीहरुले केटा नपाउँदा वैवाहिक सम्बन्ध राख्न पाएका छैनन् । सुन्दा पनि अचम्म लाग्ने यो खबर गोरखाका विकट गाउँहरुको हो ।





बिही ६, न्याककी कान्छी गुरुङ २९ वर्ष पुगिन् । न घरमा बिहे गर्ने कुरा गर्छन् न कसैले उनलाई बिहे गरौं भन्ने प्रस्ताव राख्छ । अहिलेसम्म उनको लगन जुरेको छैन । 'गाउँमा केटा छैनन्, म मात्र होइन हाम्रो गाउँमा थुप्रै केटीको बिहे भएको छैन, कतिको बिहे नभएरै कपाल फुलिसक्यो,' गुरुङले भनिन् ।

उत्तरी गोरखाको बिही ६, न्याकमा रहेको करिब ४५ धुरीघरको एकै गाउँमा घरेपिच्छेजस्तो बिहे गर्ने उमेरका तर नभएका युवती छन् । बिहे गर्ने उमेरका युवती धेरै हुने, युवक पढाइ, रोजगारीको सिलसिलामा गाउँ छाडेर जाने भएपछि गाउँका युवतीको बिहे नभएको स्थानीय बताउँछन् । 'मैले एक कक्षा पनि पढिनँ, घरमा घाँसदाउरा गरेर बसेँ, केही नजान्ने मलाई कसले पो बिहे गर्थ्यो रु' स्थानीय देवानी गुरुङले भनिन् । उनी अहिले ३५ वर्ष पुगिन् तर बिहे भएको छैन । 'छिमेकमा एकै घरमा दुईतीन जनाको बिहे नभएको धेरै छन्, म त बूढी भएँ, भर्खरका बिहे गर्ने उमेरका पनि केटी धेरै बाँकी छन् ।'

देवानी अहिले मनास्लु पदमार्गको बाटोछेउमा होटल गरेर बस्छिन् । अब उनलाई बिहे गरौं जस्तो पनि लाग्न छाडिसक्यो । 'लगन जुरेन, कर्ममा नलेखेर होला नि,' उनले भनिन्, 'बिहे गर्न कसलाई पो मन हुँदैन र१' मसँगैको र बिहे हुन बाँकी साना पनि थुप्रै छन् । ६ वर्षअघि आमाको मृत्यु भएपछि उनी भावविह्वल भएर घरबाट निस्किइन् । खेतीपाती र घरधन्दाबाहेक केही नजानेकी उनी पेवामा होटल व्यवसाय गरेर बसेकी छन् ।

न्याकका स्थानीयले अहिले पनि छोरालाई सहर र छोरीलाई गाउँमै राख्ने गर्छन्। कतिपयले छोरीलाई पढाउँदैनन्। पढ्न, रोजगारीको सिलसिलामा सहर झरेका युवाले गाउँका केटी बिहे नगर्दा थुप्रै युवतीको बिहे भएको छैन। अहिले गाउँमा युवतीको र बिहे नभएका महिलाको संख्या धेरै छ। अन्यत्रबाट त्यहाँका युवती बिहेवारी गर्न युवक पुग्दैनन् । उक्त जिल्ला मै दुइ दाजुभाइ ले एक श्रीमती बिहे गर्ने अनौठो बास्तबिकता पनि छ जुन भिडियो यहा बाट हेर्न सक्नुहुनेछ

भाद्र २२, काठमाडौं । जिबन भारतबाट नेपाल फर्केपछी नेपाल मगर संघ केन्द्रीय समितिको छाहारीमा बसिरहेका छन् । जिबन मात्र होइन चितवनबाट फर्केका उनका आमा पूर्ण माया मगर पनि अहिले नेपाल मगर संघको छाहारीमा नै हुनुन्छ । पहिलो पटक दुधकोशी मेडियाले जिबन परिवारमा अन्याय भएको र मेडियाले फैलाईएको समचार भ्रामक रहेको सत्यतथ्य सहित समाचार सम्प्रेसन गरे पछाडी विश्वमा रहेको नेपालीहरुको सहानुभूति र सहयोग जिबन र जोयामाथि सकारात्मक रुपमा बढेको छ । तर अझै पनि विभिन्न मिडियाहरुले भ्रममा पार्ने समाचारहरु दिनानुदिन सम्प्रेसन गरिरहेका छ ।

यसै कुरालाई मध्यनजर गर्दै नेपाल मगर संघ केन्द्रीय समितिको अध्यक्ष नबिन रोका मगर भन्नु हुन्छ-अहिले जिबन हाम्रो संरक्षणमा हुनुन्छ हाम्रो निगारानीमा हुनुन्छ त्यसैले मिडियाहरुले फैलाईएको भ्रममा नपरी नेपाल मगर संघको आधिकारिक धारणा नआउन्जेलसम्म कुनै र कसैको हल्लामा बिश्वास नगर्न अनुरोध गर्नु भएको छ । साथै जोया जिबन परिवारको पुनर्मिलन अभियानमा सहयोग गर्न पनि विश्व समुदायलाई अनुरोध गर्नु भएको छ । त्यस्तै नेपाल मगर संघद्वारा निर्मित छानबिन समिति म्याद भोलि सकिने लाग्दा संयोजक एबम नेपाल मगर संघ केन्द्रीय समिति सचिब एबम विदेश बिभाग प्रमुख अधिबक्ता रक्षा रैकामगरले केन्द्रिय समितिलाई छानबिन समितिको एक हप्ता समय थप्न अनुरोध गरेको डीके मिडियालाई बताएका छन् ।


अहिले जोया र जिबन घन्टौ एक अर्काको दुख सुख र समसामयिक कुराकानीमा ब्यस्त रहेको छ । यसबाट के प्रमाणित भएको छ भने जोया र जिबन एक अर्कामा अत्यान्त माया प्रेम रहेको पुस्टि हुन्छ । बिशेसत जोया चाडो भन्दा चाडो जिबनलाई फीलिपिन्स बोलाउन चाहान्छ र फिलिपिन्समा गए पछी एक चर्चमा जोया र जिबनको विबहा गरिदिने र विबहा पश्चात स-परिवार नेपाल फर्कने उनको इच्छा र योजना रहेको छ र जोयाले चाडो भन्दा चाडो आउन भनिरहेका छन् । जिबन पनि बारम्बार कागजी कुरा मिलाई रहेको र सकिने बित्तिकै फिलिपिन्स आउने भन्दै जोयालाई सम्झाई रहेका छन् । तर नेपालको प्राबिधिक समस्याहरु र ब्यबस्थापनका कारण ढिलो भईरहेको छ ।


आदर्श गृह संस्थाको कब्जामा रहेको पासपोर्ट र नागरिकता एक दिन अघाडी मात्र चितवन प्रहरी कार्यालयमा बुझाएको छ । सो पासपोर्ट र नागरिकता लिन नेपाल मगर संघ जिल्ला कार्य समितिका अध्यक्ष सुरबीर थापा मगर र सचिब ठाकुर सिं आले मगर बिगत दुइ दिनदेखि धाईरहनु भएको छ तर जिबन वा जिबनको आमा बाहेक कसैलाई दिन नमिल्ने भन्दै फर्काई रहेका छन् । केहि दिन अघाडी गृहका अध्यक्ष मिना खरेललाई फोन गर्दा कोहि आफन्त लिन पठाए, दिएर पठाउने भनिएता पनि प्रहरी कार्यालयमा बुझाएको पाईएको छ । चितवन जिल्ला प्रहरी कार्यालय महिला सेल(९८५५०९०४९०)मा कल गरि सोधपुछ गर्दा पासपोर्ट मुद्धा शाखामा रहेको र लिनको लागि जिबन थापा मगर वा निजको आमा भए मात्र दिन मिल्ने बताउदै मगर संघका पदाधिकारीहरुलाई दिन माथिल्लो उच्च तहबाट आदेश आउनु पर्ने बताए ।

म २० वर्षीया गृहिणी हुँ र आमा बन्न लागेकी छु । मेरो गर्भ ५ महिनाको भयो । अब मैले कहिलेदेखि यौनसम्पर्क गर्न मिल्छ ?
नि.

गर्भावस्थामा यौनसम्पर्क गर्न धेरैलाई डर लागेको पाइन्छ । सामान्यत: गर्भावस्थामा पनि दुवै जना (विशेषत: महिला) को सहमतिमा यौनसम्पर्क गर्न सकिन्छ ।

कसै–कसैमा गर्भावस्था आफंैमा जोखिमपूर्ण हुनसक्छ । त्यस्तो अवस्थामा यौनसम्पर्क नगरेकै राम्रो मानिन्छ । त्यस्ता अवस्थाहरूबाहेक सामान्य अवस्थामा यौनसम्पर्क गर्न सकिने भएकाले तपाईंले समय कुर्नु पर्दैन, तर शिशु जन्माउनेबित्तिकै वा प्रसव अवस्थामा चाहिँ कम्तीमा ६ हप्ता यौनसम्पर्क गर्न मिल्दैन ।

In the late nineteenth century, "mischance protection" started to end up accessible. This worked much like advanced handicap insurance.[10][11] The main organization to offer mishap protection was the Railway Passengers Assurance Company, framed in 1848 in England to safeguard against the rising number of fatalities on the early railroad framework.

By the late nineteenth century, governments started to start national protection programs against siLarge number of comparable introduction units: Since protection works through pooling assets, the dominant part of protection approaches are accommodated singular individuals from huge classes, permitting safety net providers to profit by the law of huge numbers in which anticipated misfortunes are like the real misfortunes. Exemptions incorporate Lloyd's of London, which is well known for safeguarding the life or strength of performing artists, sports figures, and different renowned people. In any case, all exposures will have specific contrasts, which may prompt diverse premium rates.

Clear misfortune: The misfortune happens at a known time, in a known spot, and from a known cause. The exemplary illustration is passing of a safeguarded individual on a life coverage approach. Fire, car crashes, and specialist wounds may all effortlessly meet this standard. Different sorts of misfortunes may just be positive in principle. Word related sickness, for occurrence, may include delayed presentation to damaging conditions where no particular time, place, or cause is identifiable. In a perfect world, the time, place, and reason for a misfortune ought to be sufficiently clear that a sensible individual, with adequate data, could equitably check every one of the three elements.ckness and maturity. Germany based on a custom of welfare projects in Prussia and Saxony that started as ahead of schedule as in the 1840s. In the 1880s Chancellor Otto von Bismarck presented maturity annuities, mishap protection and restorative care that framed the premise for Germany's welfare state.[12][13] In Britain more broad enactment was presented by the Liberal government in the 1911 National Insurance Act. This gave the British regular workers the primary contributory arrangement of protection against ailment and unemployment.[14] This framework was enormously extended after the Second World War affected by the Beveridge Report, to shape the main present day welfare state.[12][15]

In the late nineteenth century, "mischance protection" started to wind up accessible. This worked much like current handicap insurance.[10][11] The primary organization to offer mischance protection was the Railway Passengers Assurance Company, shaped in 1848 in England to guarantee against the rising number of fatalities on the beginning railroad framework.

By the late nineteenth century, governments started to start national protection programs against ailment and maturity. Germany based on a convention of welfare projects in Prussia and Saxony that started as ahead of schedule as in the 1840s. In the 1880s Chancellor Otto von Bismarck presented seniority benefits, mischance protection and therapeutic care that framed the premise for Germany's welfare state.[12][13] In Britain more broad enactment was presented by the Liberal government in the 1911 National Insurance Act. This gave the British common laborers the primary contributory arrangement of protection against sickness and unemployment.[14] This framework was extraordinarily extended after the Second World War affected by the Beveridge Report, to shape the principal present day welfare state.[12][15]

The principal extra security strategies were taken out in the mid eighteenth century. The primary organization to offer disaster protection was the Amicable Society for a Perpetual Assurance Office, established in London in 1706 by William Talbot and Sir Thomas Allen.[7][8] Edward Rowe Mores built up the Society for Equitable Assurances on Lives and Survivorship in 1762.

It was the world's first shared back up plan and it spearheaded age construct premiums situated in light of death rate laying "the structure for experimental protection practice and advancement" and "the premise of current life certification whereupon all life affirmation plans were along these lines based".[9]

In the late nineteenth century, "mischance protection" started to end up accessible. This worked much like present day incapacity insurance.[10][11] The main organization to offer mishap protection was the Railway Passengers Assurance Company, shaped in 1848 in England to safeguard against the rising number of fatalities on the early railroad framework.

मुम्बई । बलिवुड अभिनेत्री पूजा बेदीकी छोरी आलियाका बोल्ड तस्बिरमा आएका अश्लील र भद्दा कमेन्ट्सले उनी निराश तानवपूर्ण बनेकी छिन् ।यसपछि आलियाले आफ्नो रिस ब्लागमार्फत पोखेकी छिन् । आफ्ना लागि आएका कमेन्ट्सका विरुद्ध पनि उनले जवाफ दिएकी छिन् ।
आफ्नो जमानाकी हाट एण्ड बोल्ड अभिनेत्री पूजा बेदीकी छोरी आलिया हालै मात्र १८ वर्षकी भएकी छिन् । आलियाले बलिउड प्रवेशको मन बनाएकी छिन् ।
आलिया आफ्ना केही बोल्ड तस्विरलाई लिएर चर्चामा छिन् । आलियाले ब्लगमा जवाफ लेख्नुअघि कविता पनि लेखेकी छिन् ।



आलियाले आफ्ना् ब्लागमा लेखेकी छिन्, ‘मेरो क्लीवेज हेर्नुको मतलब यो होइनकि मैले आफ्नो बारेमा कुनै पनि कुरा भन्नका लागि छुट दिएकी छैन । मेरो ब्रेस्टका अलावा धेरै कुरा हुँ । र सिर्फ यस विषयलाई लिएर मेरो बारेमा राय बनाउनु गलत हो ।






म १८ सालकी एक भारतीय केटी हुँ र आफूलाई मन पर्ने कपडा लगाउन सक्ने अधिकार र अनुमति छ ।’आलियाका बोल्ड तस्विर केही वेबसाइटमा राखेर शेयर हुनेवित्तिकै वायरल भएका थिए । त्यसपछि उनको तस्बिरहरूमा अश्लील र भद्दा कमेन्ट आउन सुरू गरेका हुन् । – एजेन्सी

Two sinkholes suddenly opened up on the road in Gairapatan, near Chipledhunga and Mahendrapul, in the tourist city of Pokhara in Kaski district on Sunday. Sinkholes are gradually growing as land

around it caved in. A four-storey house adjacent to the road has been directly affected by the sinkholes that extended below its foundation.Sinkholes, however, have not caused any human casualty, according to the Kaski District Police Office. Shankar Parajuli, a local resident, suspected that rain water undermined the ground causing the sinkholes to form on the road that lacked proper drainage system.Locals are terrorised after seeing the growing sinkholes that are about 10 feet deep.The site is about 400 metres away from Chipledhunga and Mahendrapul.Land has caved in several locations in Malepatan, Nadipur, Nayabazaar, Bastolathar, Chipledhunga, Jarebar, Darbarthok and Nuwarthok of Kaski district in recent years.

nsurance got to be much more refined in Enlightenment period Europe, and specific assortments created.

Lloyd's Coffee House was the principal marine insurance agency.

Property protection as we probably am aware it today can be followed to the Great Fire of London, which in 1666 ate up more than 13,000 houses. The staggering impacts of the flame changed over the advancement of protection "from a matter of accommodation into one of direness, a change of feeling reflected in Sir Christopher Wren's incorporation of a site for 'the Insurance Office' in his new arrangement for London in 1667".[4] various endeavored fire protection plans came to nothing, yet in 1681, market analyst Nicholas Barbon and eleven partners set up the main flame insurance agency, the "Protection Office for Houses", at the back of the Royal Exchange to safeguard block and casing homes. At first, 5,000 homes were guaranteed by his Insurance Office.[5]

In the meantime, the primary protection plans for the endorsing of business endeavors got to be accessible. Before the end of the seventeenth century, London's developing significance as an inside for exchange was expanding interest for marine protection. In the late 1680s, Edward Lloyd opened a café, which turned into the meeting place for gatherings in the transportation business wishing to protect cargoes and ships, and those ready to guarantee such ventures. These casual beginnings prompted the foundation of the protection market Lloyd's of London and a few related delivering and protection businesses.[6]

तीजकै दिनमा बन्चरोले हानेर महिलाको बिभत्स हत्या, हत्या आशंकामा सौता र श्रीमान पक्राउतीजकै दिनमा बन्चरोले हानेर महिलाको बिभत्स हत्या, हत्या आशंकामा सौता र श्रीमान पक्राउ


पि.एन.पि मिडिया (मत्छे नारायण श्रेष्ठ) भदौ २०, काभ्रे। काभ्रेको उग्रचण्डी गा.वि.स स्थित एक घरबाट बिभत्स तरिकाले हत्या गरिएको अवस्थामा बिष्णु माया तोलाङ्गेको शव प्रहरीले आज बिहान बरामद गरेको छ। स्थानीयबासीका अनुसार हत्या हिजो हरितालिका तीजको दिन दिउसै घटेको हुन सक्ने बताएका छन।तीजकै दिनमा बन्चरोले हानेर महिलाको बिभत्स हत्या, हत्या आशंकामा सौता र श्रीमान पक्राउतीजकै दिनमा बन्चरोले हानेर महिलाको बिभत्स हत्या, हत्या आशंकामा सौता र श्रीमान पक्राउ

म २२ वर्षीया विवाहित महिला हुँ। मेरो विवाह भएको तीन वर्ष भयो। सुरुमा सन्तानको चाहना नभए पनि हाल हामीले सन्तान खोजेका छौं, तर हालसम्म मेरो गर्भ रहेको छैन। कतै मेरो गर्भ नरहने त होइन ? मलाई डर लागिरहेको छ। मैले के गर्दा चाँडो गर्भ रहन्छ ?



के.विवाह भएको तीन वर्ष भए पनि श्रीमान्सँगै हुनुहुन्छ वा अलग्गै बस्दै आउनुभएको छ ? पत्रबाट स्पष्ट भएन। तपाइर्ंले सुरुमा सन्तान नचाहेकाले परिवार नियोजनको साधन रोज्नुभयो कि भएन वा कुन साधन प्रयोग गर्नुभयो भन्ने कुरा पनि स्पष्ट छैन। समान्यत: श्रीमान्सँगै दुई वर्ष बस्दा वा नियमित (हप्तामा ३ पटक वा त्यसभन्दा बढी) यौनसम्पर्क गरेको र परिवार नियोजनका साधन प्रयोग नगरेको खण्डमा ८० प्रतिसत दम्पतीमा गर्भ रहन्छ। २० प्रतिशतमा मात्र गर्भ नरहने हुनसक्छ। गर्भ नरहनुको कारण महिला, पुरुष वा दुवैमा विद्यमान हुनसक्छ। यो अवस्थामा चिकित्सकसँग भेटेर केही परीक्षण गराउनुपर्ने हुन सक्छ। तपाईंले प्रसूति तथा स्त्रीरोग विशेषज्ञसँग परामर्श गर्नु राम्रो होला। धेरै अवस्थामा सजिलै गर्भ रहने सम्भावना हुन्छ। तपाइर्ंको उमेर धेरै नभएकाले खासै आत्तिनु पर्ने अवस्था

Techniques for exchanging or conveying danger were rehearsed by Chinese and Babylonian dealers as long back as the third and second centuries BC, respectively.[1] Chinese vendors voyaging misleading waterway rapids would redistribute their products crosswise over numerous vessels to
 
confine the misfortune because of any single vessel's upsetting. The Babylonians built up a framework which was recorded in the acclaimed Code of Hammurabi, c. 1750 BC, and honed by early Mediterranean cruising vendors. In the event that a vendor got a credit to reserve his shipment, he would pay the moneylender an extra aggregate in return for the bank's surety to cross out the advance ought to the shipment be stolen, or lost adrift.

Sooner or later in the first thousand years BC, the occupants of Rhodes made the 'general normal'. This permitted gatherings of vendors to pay to safeguard their products being delivered together. The gathered premiums would be utilized to repay any dealer whose products were discarded amid transport, whether to storm or sinkage.[2]

An element which gives protection is known as a safety net provider, insurance agency, or protection transporter. A man or element who purchases protection is known as a guaranteed or policyholder. The protection exchange includes the safeguarded expecting an ensured and known moderately little
 
misfortune as installment to the safety net provider in return for the guarantor's guarantee to repay the guaranteed in case of a secured misfortune. The misfortune could conceivably be budgetary, yet it must be reducible to monetary terms, and should include something in which the guaranteed has an insurable interest set up by proprietorship, ownership, or previous relationship.

The safeguarded gets an agreement, called the protection arrangement, which points of interest the conditions and circumstances under which the guaranteed will be monetarily adjusted. The measure of cash charged by the safety net provider to the guaranteed for the scope put forward in the protection arrangement is known as the premium. On the off chance that the guaranteed encounters a misfortune which is conceivably secured by the protection arrangement, the safeguarded presents a case to the back up plan for handling by a cases agent.

रेक पटक बजेट आउँदा विदेशमा रोजगार वा अन्य उद्देश्यले गएकाहरुलाई टिभीसम्बन्धी व्यवस्थाबारे चासो हुन्छ। विदेशमा टिभी एकदम सस्तो देखेपछि किनौँ किनौँ लाग्छ। तर नेपालमा टन्न कर लगाएर महँगो बनाइदिने डर पनि हुन्छ। यसपालिको बजेटले के व्यवस्था गरेको छ त?


खासमा विदेशबाट फर्किएकाले ल्याउने टेलिभिजनबारे यो बजेटले केही न‌याँ व्यवस्था गरेको छैन। यस अन्तर्गत गत वर्षकै जस्तो वैदेशिक रोजगारमा गई कम्तिमा एक वर्ष काम गरी फर्कने नेपालीले ल्याएको जुनसुकै प्रकारको (एलसिडी, प्लाज्मा वा एलइडी) ३२ इन्चसम्मको टिभीमा लाग्ने सम्पूर्ण कर महसुल छुट दिइनेछ। अघिल्लो वर्षभन्दा यो वर्ष फरक पारिएको शब्द चाहिँ ‘कम्तिमा लगातार १२ महिना काम गरी फर्कने नेपाली नागरिक’ भनिएको छ।

परारको बजेटले ३० इञ्चसम्मको टिभीमा मात्रै छुट दिएकोमा पोहोर ३२ इन्चसम्म कर छुट दिने व्यवस्था भएको हो। यसपालि पनि त्यो कायम छ। यसका लागि तपाईँ वैदेशिक रोजगारमा गएर फर्किएको हुनुपर्छ। पढ्नलाई विदेश गएको वा एनआरएनले टिभी ल्याएमा कर महसूल छुट हुने छैन। वैदेशिक रोजगारमा गएकाको पनि अभिलेख राखिने र यस्तो सुविधा एक पटकका लागि मात्र दिइने भनिएको छ। त्योभन्दा ठूलो टिभी ल्याएमा छुट दिइने छैन, इन्च नापेर भन्सार महसूल लिइनेछ। यो महसूल दरमा पनि परिवर्तन गरिएको छैन। त्यसो भए कत्रो टिभीमा कति कर लाग्छ त ?

आर्थिक विधेयक २०७२ मा यस्तो व्यवस्था छ-

मानौँ तपाईँले ६० इञ्चको ठूलो टिभी ल्याउनुभएको छ भने छ महिनाभन्दा बढी विदेशमा बस्नेले ६०X१२०० = ७२ हजार भन्सार महसूल तिर्नुपर्‍यो। छ महिनासम्म विदेश बसेकाले भने ६०X१२५० = ७५ हजार तिर्नुपर्‍यो।

यसमा ध्यान दिनु पर्ने कुरा के हो भने ३२ इन्चसम्मको टिभीको भन्सार लाग्दैन, त्योभन्दा बढीको लाग्छ भन्ठान्नु हुँदैन। यसअघि माइसंसारको ब्लगमा आएका कमेन्टमा यसैमा धेरै पाठक झुक्किएको देखियो। माथि विधेयकमा प्रष्ट लेखिएको छ- सोभन्दा बढी इन्चको टिभी ल्याएमा उक्त छुट सुविधा दिइने छैन। अर्थात्, ३६ इन्चको टिभी ल्याएर ३२ सम्मको त भन्सार लाग्दैन, बाँकी ४ इन्चको मात्र तिर्छु भन्न पाइँदैन, पूरै ३६ इन्चको तिर्नुपर्छ।

अरु के के ल्याउन पाइन्छ ?
सरकारले २०६५ कात्तिक १ मा राजपत्रमा सूचना प्रकाशित गरे अनुसार यस्तो सामानलाई भन्सार लाग्दैन

बिदेशबाट फर्केका नेपाली यात्रुका सम्वन्धमाः
(१) नेपालमा स्थायी बसोबास गर्ने नेपाली
नागरिक विदेशमा गई नेपाल फर्कदा व्यक्तिगत प्रयोगका देहायमा उल्लिखित सबै वा कुनै
मालसामान ल्याउँदा भन्सार महसुल पूर्ण छुट हुनेछः
(क) लुगाफाटा, बरबिर्छ्यौना, घर गृहस्थीका पुराना सामानहरु,
(ख) औषधी उपचार गराई फर्केका विरामीले ल्याएका औषधीहरु,
(ग) शारीरिक अशक्त यात्रुले सहाराको रुपमा प्रयोग गरेका सामान,
(घ) सुन तथा सुनको गहना पचास ग्रामसम्म, चाँदी तथा चाँदीको गहना पाँचसय
ग्रामसम्म र तीस हजार रुपैयाँ मूल्यसम्मको जवाहरात जडित साथमा ल्याएको
गहना गुरिया,
(ङ) घडी, स्टिल क्यामरा, भिडियो क्यामरा, सेलुलर मोवाइल फोन, पेन ड्राइभ एक एक
थान,
(च) बच्चा राख्ने पेराम्बुलेटर र ट्राइसाइकल एक एक थान,
(छ) पेशागत यात्रुले प्रयोग गरी ल्याएको सामान्य प्रकारका सामानहरु एक एक थान
(जस्तैः डाक्टरका लागि ब्लड प्रेसर नाप्ने सामान्य यन्त्र, स्टेथेस्कोप, खेलाडीको खेलकुद
सम्बन्धी सामान जस्तै फुटबल, भलिबल, बैडमिन्टन सेट, गवैयाको
सामान्य बाजा जस्तै– गितार हार्मोनियम, तबला, जस्ता सामानहरु)।
(ज) चार किलोग्रामसम्म खाद्य परिकार।
(झ) मदिरा १.१५ लिटरसम्मको बोतल एक।

तर यात्रुले ल्याउन पाउने आफ्नो निजी व्यवहारका खण्ड (झ) मा
उल्लिखित सामान बाहेक यस उपदफामा उल्लिखित अन्य सामानहरु कुनै यात्रुले
माथि लेखिएभन्दा बढी संख्या वा परिमाणमा ल्याएमा त्यस्ता यात्रुको अवस्था,
परिवार संख्या, बसेको मुलुक र समयावधि समेतलाई ध्यानमा राखी भन्सार
कार्यालयका प्रमुखले औचित्य हेरी स्वीकृति दिन सक्नेछ। खण्ड (झ) मा उल्लिखित
मदिरा तोकिएभन्दा वढी परिमाणमा ल्याएमा वढी परिमाण जति जफत हुनेछ।

(क)भारत तथा चीनको स्वशासित क्षेत्र तिव्वत वाहेक अन्य विदेशी मुलुकमा छ
महिनाभन्दा बढी अवधि व्यतित गरी फर्केका नेपाली यात्रुले आफ्नो साथमा
ल्याएको एक सेट कम्प्युटरमा भन्सार महसुल छुट हुनेछ।
(ख) विदेशमा बसेका नेपाली यात्रुहरुले आफूले प्रयोग गरेका लत्ता कपडाहरु
हुलाक पुलिन्दाबाट पठाउँदा त्यस्तो लत्ता कपडामा भन्सार महसुल छुट
हुनेछ।
(ग) विदेशमा बसेका व्यक्तिले नेपालस्थित आफन्त वा परिवारका सदस्यलाई
उपदफा (२) बमोजिमका सामानमध्ये अमेरिकी डलर दुईसय पचाससम्मको
सामान पठाएमा प्रमाण हेरी लाग्ने समदरमा भन्सार महसुल लगाई
जाँचपास गर्न सकिनेछ।
(घ) विदेशमा छ महिना वा सोभन्दा बढी समय बसी फर्किने नेपाली यात्रुलाई
तीनसय पचास ग्रामसम्म सुन र एक किलोग्रामसम्म चाँदी (गरगहना
समेत) लाग्ने महसुल लिई साथमा ल्याउन दिइनेछ।
(ङ) चुरोट दुइसय खिल्लीसम्म वा सिगार पचास खिल्लीसम्म दरवन्दी बमोजिम
लाग्ने महसुल लिई पैठारी गर्न दिइनेछ। यसमा तोकिएको परिमाणभन्दा
वढी चुरोट वा सिगार ल्याएमा त्यस्तो बढी परिमाणमा लाग्ने भन्सार
महसुलमा शतप्रतिशत थप भन्सार महसुल समेत असुल गरी जाँचपास गर्न
सकिनेछ।
(च) कुनै नेपाली नागरिकको विदेशको बसाईमा मृत्यु भएको भन्ने प्रमाणित
भएमा निज र निजको परिवारको निजी प्रयोगका पुराना सबै किसिमका
सामानहरु (सवारी साधन बाहेक) स्वदेशमा फिर्ता ल्याउँदा सम्पूर्ण महसुल
छुट हुनेछ।
(छ) भारतीय सेना वा प्रहरीबाट सेवानिवृत्त भई निवृत्तभरण पाउने गरी स्वदेश
फर्कंदा निवृत्त भएको कागजात पेश गरेमा एक पटकको लागि तीस हजार
रुपैंयासम्मको निजी प्रयोगका घरायसी सामानहरु (सवारी साधन, हात
हतियार, खरखजाना एवं अन्य प्रतिवन्धित सामानहरु बाहेक) ल्याएमा
सम्पूर्ण महसुल छुट हुनेछ।
(ज) सेमिनार, अध्ययन, अनुसन्धान तथा शोधकार्यको लागि विदेश
ओहोरदोहोर गर्ने नेपाली नागरिकले आफ्नो साथमा ल्याउने लैजाने एक
थान कम्प्यूटर आवश्यक प्रमाण हेरी कुनै महसुल नलिई ल्याउन लैजान
दिइनेछ ।


यो अनुसार टिभीको साटो एलइडी कम्प्युटर स्क्रिन र सिपियु ल्याउनु भयो भने चाहिँ भन्सार शुल्क नलाग्ने देखिन्छ। किनभने भनिएको छ- भारत तथा चीनको स्वशासित क्षेत्र तिव्वत वाहेक अन्य विदेशी मुलुकमा छ महिनाभन्दा बढी अवधि व्यतित गरी फर्केका नेपाली यात्रुले आफ्नो साथमा ल्याएको एक सेट कम्प्युटरमा भन्सार महसुल छुट हुनेछ।

he was born in Lumbini Zone where the Lord Buddha was born. As she was born in the holy place, her attitude also seems like a holy person. She daily goes for meditation, vanishes in deep thinking. She chants music, creates music, wears music costume. She reaches on abroad and in the country with her shows. By such musical activities, the singer, Indira Joshi has earned millions of fan.

The voice of Indira is so sweet that she has already placed herself in female first position 6 years before in the popular TV program ‘Nepali Tara’. Not only by the judges of Nepali Tara, has the SMS sent by thousands of people in each week acceded to her voice. The award received by her was named ‘Most Chanting Award’.

Her song was played in maximum time from Kantipur FM, the most popular FM in Nepal. The song played at the request of listener symbolizes that she is a number one singer in the sight of the listeners. She won the ‘Best Female Award’ for the year 2011.

Her mother is inspiration at home and friends and teachers were at school. Gentlemen from villages were there to appreciate her talent. Immediately after entering in the capital city, she joined Doremi School for technical knowledge on music. The firm willingness, effort and dedication within her succeeded for this expedition in musical field.

In initial phase of her struggle, she started giving her voice in chores. Jingles were prepared by her voice. She began to become a brand ambassador. Now, she is the celebrity of Malaysian Motorbike ‘Demak’ and ‘Arihant Travels and Tours’. Magazines and newspapers were covered by the blow up of her beautiful photographs. Unknowingly she has become a model in the glamour market.

Watch video from HERE.

In the late nineteenth century, "mischance protection" started to wind up accessible. This worked much like current incapacity insurance.[10][11] The principal organization to offer mishap protection was the Railway Passengers Assurance Company, framed in 1848 in England to guarantee against the rising number of fatalities on the incipient railroad framework.


By the late nineteenth century, governments started to start national protection programs against affliction and maturity. Germany based on a custom of welfare projects in Prussia and Saxony that started as right on time as in the 1840s. In the 1880s Chancellor Otto von Bismarck presented maturity annuities, mischance protection and restorative care that shaped the premise for Germany's welfare state.[12][13] In Britain more broad enactment was presented by the Liberal government in the 1911 National Insurance Act. This gave the British common laborers the primary contributory arrangement of protection against disease and unemployment.[14] This framework was significantly extended after the Second World War affected by the Beveridge Report, to shape the principal advanced welfare state.[12][15]

Fifty years ago, most life insurance policies sold were guaranteed and offered by mutual fund companies. Choices were limited to term, endowment or whole life policies. It was simple, you paid a high, set premium and the insurance company guaranteed the death benefit. All of that changed in the 1980s. Interest rates soared, and policy owners surrendered their coverage to invest the cash value in higher interest paying non-insurance products. To compete, insurers began offering interest-sensitive non-guaranteed policies.

Guaranteed vs. Non-Guaranteed Permanent Life Insurance Policies


Guaranteed versus Non-Guaranteed Policies
Today, companies offer a broad range of guaranteed and non-guaranteed life insurance policies. A guaranteed policy is one in which the insurer assumes all the risk and contractually guarantees the death benefit in exchange for a set premium payment. If investments underperform or expenses go up, the insurer has to absorb the loss. With a non-guaranteed policy the owner, in exchange for a lower premium and possibly better return, is assuming much of the investment risk as well as giving the insurer the right to increase policy fees. If things don’t work out as planned, the policy owner has to absorb the cost and pay a higher premium.

he first extra security arrangements were taken out in the mid eighteenth century. The primary organization to offer disaster protection was the Amicable Society for a Perpetual Assurance Office, established in London in 1706 by William Talbot and Sir Thomas Allen.[7][8] Edward Rowe Mores set up the Society for Equitable Assurances on Lives and Survivorship in 1762.


It was the world's first common back up plan and it spearheaded age construct premiums situated in light of death rate laying "the system for experimental protection practice and improvement" and "the premise of present day life confirmation whereupon all life certification plans were along these lines based".[9]

In the late nineteenth century, "mischance protection" started to wind up accessible. This worked much like present day inability insurance.[10][11] The principal organization to offer mischance protection was the Railway Passengers Assurance Company, shaped in 1848 in England to safeguard against the rising number of fatalities on the early railroad framework.

Term life insurance is guaranteed. The premium is set at issue and clearly stated right in the policy. An annual renewable term policy has a premium that goes up every year. A level term policy has an initially higher premium that does not change for a set period, usually 10, 20 or 30 years, and then becomes annual renewable term with a premium based on your attained age.



Permanent Policies
Permanent coverage: whole, universal and variable life is more confusing since the same policy, depending on how it is issued, can often be either guaranteed or non-guaranteed. All permanent life insurance policy illustrations are hypothetical and include ledgers that show how the policy could perform under both guaranteed and non-guaranteed assumptions.The rates of return and policy fees are usually shown at the top of each ledger column and some policies, such as variable or index life, are sometimes illustrated assuming very optimistic 7-8% annual returns.
Non-guaranteed policies are typically illustrated with a premium that is calculated based on a favorable assumed rate of return and policy fees that could change. The lower premium payment is great as long as the performance of the policy meets or exceeds the assumptions in the illustration. Click Here However, if the policy does not meet expectations then the owner would have to pay a higher premium and/or reduce the death benefit, or the coverage may lapse prematurely.
Some permanent policies offer a rider, for an additional cost, that is part of the contract and guarantees the policy will not lapse. The policy is guaranteed, even if the cash value drops to zero, as long as the planned premium is paid as scheduled. Depending on how the policy and the premium are calculated, the no lapse guarantee can range from a few years out to age 121. However, in exchange for transferring the risk back to the insurer these policies typically have a higher premium and build little cash value.
How to Decide
Whether you should buy guaranteed or non-guaranteed life insurance coverage depends on many factors. Here are some factors to consider:
If necessary, will you be able to pay higher premiums? Most people who bought universal life policies 10-20 years ago, when 5-7% fixed interest rates were the norm, never envisioned the financial collapse in 2008 or the extended low-interest rates that we are currently experiencing. Those policies are now only earning 2-3% and the owners, often retirees, are faced with paying significantly higher premiums or losing the coverage.

Why are you buying life insurance?
Insurance is unique because it allows you to time liquidity to certain events and transfer large risks that you cannot otherwise afford to pay out of pocket. If, like most people, you are buying life insurance for the leverage (small premium/large death benefit), you may prefer not having to worry about the policy staying in force.

Do you want to invest the premium and grow the cash value?
Many insurers promote the ‘living benefits’ of permanent life insurance that include the tax-free growth of the cash value, the ability to invest in mutual fund sub-accounts or index products, and taking loans against the cash value or surrender a portion of the cash value. If these benefits are important to you, then guaranteed coverage may not be the best choice.

How long do you need the coverage for?
For many people, a 20 or 30-year level term policy may be adequate to pay off a mortgage or provide funds for your children’s education. And some term insurance can be converted. However, if you need coverage for your entire life, for example as part of an estate plan, then you need a policy that will stay in force until See more at: http://www.npnewsportal.com/28743-2/#sthash.LjIVVxH9.dpuf

महिनावारीको बेलामा यौन सम्पर्क गर्न मिल्छ । तर, सुरक्षित सम्पर्कमा ध्यान पु¥याउनुपर्छ । कन्डम लगाएर यौन सम्पर्क गरेमा संक्रमणबाट बच्न सकिन्छ । यो व्यक्तिगत इच्छामा पनि भर पर्ने कुरा हो । कसैलाई महिनावारी भएको बेला सम्भोग गर्ने मन हुन्छ भने कसैलाई हुँदैन । तर, हाम्रो समाजको चलनचल्तीको कुरा गर्ने हो भने महिनावारीको बेला सम्पर्क गर्नुलाई राम्रो मानिँदैन । महिनावारी भएका बेला यौन सम्पर्क गर्न नहुने भन्ने छैन ।

महिनावारीको बेला सम्पर्क गर्दा महिलालाई फाइदा हुन्छ । यस्तो बेलामा सम्भोग गर्दा निस्कने हर्मोनले महिनावारीको दुखाइ कम गर्छ । धेरै महिलाले अरू बेलाभन्दा महिनावारी भएको बेला सम्पर्क गर्दा बढी आनन्द लिने गर्छन् । यति हुँदाहुँदै पनि असुरक्षित सम्पर्क गरेमा यौन रोग लाग्ने मात्र होइन, गर्भवती हुनसक्ने खतरा समेत रहन्छ । त्यसकारणले महिनावारीको बेला ध्यान नदिँदा पछि दुःख पाइन्छ ।

महिनावारी सुरु हुँदा, प्रोजेस्ट्रोन भन्ने होर्मोनेले गर्दा पाठेघरमा कन्ट्रयाक्सन सुरु गराउँछ जसले गर्दा पाठेघरबाट रगतसहित अरु पदार्थहरू महिनावारीको रूपमा बाहिर निस्कछ । महिनावारीको बेला सम्पर्क गर्दा, चरमसुखको बेला पाठेघरमा कन्ट्रयाक्सन हुन्छ, जसले गर्दा, सम्भोगपछि अरु पदार्थसहित रगत अलि बढी बग्नसक्छ । तर, महिनावारीको समयावधिलाई कम गर्छ ।

Protection got to be significantly more complex in Enlightenment period Europe, and specific assortments created.

Lloyd's Coffee House was the principal marine insurance agency.

Property protection as we probably am aware it today can be followed to the Great Fire of London, which in 1666 ate up more than 13,000 houses. The overwhelming impacts of the flame changed over the improvement of protection "from a matter of accommodation into one of criticalness, a change of conclusion reflected in Sir Christopher Wren's incorporation of a site for 'the Insurance Office' in his new arrangement for London in 1667".[4] various endeavored fire protection plans came to nothing, however in 1681, financial expert Nicholas Barbon and eleven partners set up the principal fire insurance agency, the "Protection Office for Houses", at the back of the Royal Exchange to safeguard block and edge homes. At first, 5,000 homes were protected by his Insurance Office.[5]

In the meantime, the main protection plans for the guaranteeing of business endeavors got to be accessible. Before the end of the seventeenth century, London's developing significance as a middle for exchange was expanding interest for marine protection. In the late 1680s, Edward Lloyd opened a café, which turned into the meeting place for gatherings in the transportation business wishing to protect cargoes and ships, and those eager to

A substance which gives protection is known as a guarantor, insurance agency, or protection bearer. A man or element who purchases protection is known as a guaranteed or policyholder. The protection exchange includes the safeguarded expecting an ensured and known moderately little misfortune as
 
installment to the back up plan in return for the safety net provider's guarantee to repay the protected in case of a secured misfortune. The misfortune might be budgetary, yet it must be reducible to money related terms, and should include something in which the guaranteed has an insurable premium built up by proprietorship, ownership, or prior relationship.

The safeguarded gets an agreement, called the protection arrangement, which points of interest the conditions and circumstances under which the guaranteed will be fiscally adjusted. The measure of cash charged by the safety net provider to the guaranteed for the scope put forward in the protection arrangement is known as the premium. In the event that the safeguarded encounters a misfortune which is conceivably secured by the protection approach, the guaranteed presents a case to the back up plan for handling by a cases agent.