आउ बस

आउ बस , यो मन तिम्रै घर भयो अब 
पिपल तिमी, यो मन तिम्रै बर भयो अब   
                       
 कति कुरुनु ,कुर्दा कुर्दा थाकिसके म त
तिम्रो नामको पछि मेरै थर भयो अब ।।       
 
प्रकृतिको उपहार, रैछ जिन्दगानी           
नारी तिमी, यो ज्यान तिम्रै नर भयो अब ।। 

आउ बस , यो मन तिम्रै घर भयो अब 
पिपल तिमी, यो मन तिम्रै बर भयो अब 
😊😊💕💕🌹🌹

           

यो अँध्यारो अब म सहन्न

दुख कसैलाई दिन चाहन्न, हासाे कसैकाे लिन चाहन्न,।
उज्यालाे माग्दैछ जिन्दगि, यो अँध्यारो अब म सहन्न ।।

घाम नै रहेन भने जुन एक्लै कहाँ चम्किन्छ र ?
तिमी बिना यहाँ मेरो अस्तित्व रहन्न ।।

तिमी आयौ , अनि थाहै नदिई फर्किगयौ अरे
तेसैले त आजकाल यहाँ , सितल पवन बहन्न ।।

दुख कसैलाई दिन चाहन्न, हासाे कसैकाे लिन चाहन्न,।
उज्यालाे माग्दैछ जिन्दगि, यो अँध्यारो अब म सहन्न ।।

बाउको मुख हेर्ने दिन मा एक्लाे म

बाउ खोजे बाउ पाइन मैले
नाम त पाय ,नाम पछाडि थर पाइन मैले ।
अनुमान त लगाय बाउको अनुहार आफैलाई हेरेर,
कति पो मिल्यो केही भर पाइन मैले ।।

आज फेरि तिम्रो यादले  यसरी भक्कनिय म
यस्तो लाग्यो ,कि अब मुटुबाट बन्द भयो रक्त सन्चार ।
कोसिस गरिरहे सास फेर्ने, छट्पटियको छातिले नै
तर अक्सिजन दिने वर पाइन मैले ।।

त्यो पात्रोमा रातो अछेरले किन लेख्नुपर्थ्यो
चुपचाप हेरन आफ्नो बाबाको मुखलाइ ।
तिम्रो यहि एक दीनको विशेष मुख हेराइले यस्तो लाग्छ
हतियार त पाय ,तर तेस्मा धार पाइन मैले ।।

बाउ खोजे बाउ पाइन मैले
नाम त पाय ,नाम पछाडि थर पाइन मैले ।
अनुमान त लगाय बाउको अनुहार आफैलाई हेरेर,
कति पो मिल्यो केही भर पाइन मैले ।।

खै के पो

केही कुरा सोध्न खोज्छु, तिम्रो सामु मन नै जल्छ
मेरै हौ तिमी , यो मनले भन्छ , तिम्रै हु म, तिम्रो मनले भन्छ ???

कति रातहरु कटे तिमी बिनै,अझ कति कटाउनुछ  पर्खाईमा
बचाउछु कुमारत्व यो मन्ले भन्छ, बचाउछु कुमारित्व,तिम्रो मन्ले भन्छ ???

को हौ ?

अरु भन्दा भिन्न देखे

त्यसैले त मनले चाह्यो ।

तिम्रो छहारिमा बस्दा

उमङ्गको बहार छायो ।।

को हौ तिमि मेरो भनि

आफै भित्र प्रस्न गर्दा ।

मुटुको एक टुक्रा

हौनि भन्ने आभास आयो ।।

याद तिम्रो....

आज फेरि धेरै दिन,पछि तिम्रो याद आयो

निदाउनलाई कोल्टे फेरे, झनै तिम्रो याद आयो ।।

कर्कालाको पातमाथी टिलपिल टिलपिल अडिएको

पानी जब बग्न थाल्यो, अनि तिम्रो याद आयो ।।

दिनभरको चर्को घामले रापिएका बादलहरु

साँझपख रुन थाले, अनि तिम्रो याद आयो ।।

बसेको छु तिमिलाई पर्खि, अझै केहि आस बाँकि छ

यादै यादले आँसु झर्यो, झनै तिम्रो याद आयो ।।

आज फेरि धेरै दिन,पछि तिम्रो याद आयो

निदाउनलाई कोल्टे फेरे, झनै तिम्रो याद आयो ।।

Note: Image is ,for attraction only (Image source: Wikipedia)

मनका रहर

तिम्रा हातका औला समाई मायाका बात गर्न मन छ ।

चाहनाका रङ्गहरुले तिम्रो सिउदो भर्न मन छ ।।

गुलाब जस्ता तिम्रा ओठका रहरहरु पुरा गर्दै ।

जिन्दगिका खोलाहरु तिमि सङ्गै तर्न मन छ ।।

बादल सरि फैलिएका तिम्रो केसमा हराउदै ।

कोमल तिम्रा छातिभरि मेरो नाम कोर्न मन छ ।।

रोकिएका छन पाईलाहरु तिम्रै पर्खाईमा बसि ।

मयूर जस्ता तिम्रो चालमा सङ्गै पाईला सार्न मन छ ।।

तिम्रा हातका औला समाई मायाका बात गर्न मन छ ।

चाहनाका रङ्गहरुले तिम्रो सिउदो भर्न मन छ ।।

Nominal Interest Rate & Effective Interest Rate

 Nominal Interest Rate & Effective Interest Rate

Nominal interest: The nominal interest rate is periodic interest rate times the number of periods per year. For example, a nominal annual interest rate of 12% based on monthly compounding means 1% interest rate per month.

If a financial institution uses a unit of time other than a year. A month or quarter (eg: when calculating interest payments), the institution usually quotes the interest rate on annual basis. Commonly this rate is stated as r% compounded M – ly

Where, r = nominal interest rate per year

         M = compounding frequency or number of interest periods per year         

         r/M = interest rate per compounding period

Effective interest: The actual rate of interest earned during one year is known effective rate and it is also expressed on the annual basis unless specifically stated otherwise; Effective interest rate is represented by 'i'

                                   Then i = (1+r/m)^m – 1

Where, m = compounding period per year

An interest rate takes two forms: nominal interest rate and effective interest rate. The nominal interest rate does not take into account the compounding period. The effective interest rate does take the compounding period into account and thus is a more accurate measure of interest charges. A statement that the "interest rate is 10%" means that interest is 10% per year, compounded annually. In this case, the nominal annual interest rate is 10%, and the effective annual interest rate is also 10%. However, if compounding is more frequent than once per year, then the effective interest rate will be greater than 10%. The more often compounding occurs, the higher the effective interest rate.

All of the formulas used in making time value calculations are based on effective interest rates. Therefore, whenever the interest rate that is provided is a nominal rate, it is necessary to convert it to an effective interest rate. As shown below, an effective interest rate, i, can be calculated for any time period longer than the compounding period.

The most common way that nominal interest rates are stated is in the form 'x% per year compounded y' where x = interest rate and y = compounding period. An example is 18% per year compounded monthly. When interest rates are stated this way, the simplest effective rate to get is the one over the compounding period because all that is required is a simple division. For example, from the interest rate of 18% per year compounded monthly, a monthly interest rate of 1.5% is obtained (i.e., 18% per year/12 compounding periods per year) and this is an effective rate because it is the rate per compounding period. To get an effective rate for any period longer than the compounding period use the effective interest rate formula.

                                             i = (1+r/m)^m – 1

The types of calculations used to obtain effective interest rates are summarized in Table below

Table:  Summary of Calculations Involved in Finding Effective Rates
Interest Statement	To Find i for Compounding Period	To Find i for any Period Longer than Compounding Period
i = 1% per month	i is already expressed over compounding period	Use effective interest rate equation
i = 12% per year compounded quarterly	Divide 12% by 4	Use effective interestrate equation
i = nominal 16% per year compounded semiannually	Divide 16% by 2	Use effective interest rate equation
i = effective 14% per year compounded monthly	Use effective interest rate equation and solve for r/m	For effective i values other than yearly, solve for r in effective interest rate equation and then proceed