दिगंबरा दिगंबरा श्रीपाद वल्लभ दिगंबरा अनुसुया अत्री lyrics

 गुरु ब्रह्मा गुरु विष्णु गुरु देवो महेश्वरः

गुरु साक्षात परब्रह्म तस्मै श्री गुरवे नमः

अनुसया अत्री सुकुमारा । दत्त दयाघन दयावरा ॥

पद्म कमंडलू गधा धारा । त्रिशूल हे शोभे करा ॥

षढवीत आयुढ परी करा । पूर्णानंदा अवतारा ॥

सुभस्मा रुद्राक्षा भरणा । भव भय दु:ख निवारणा ॥

काश्यायांबर वसन धारा । श्री मेघ श्याम सुंदरा ॥

अवधूता हे गिरीवारा । ओझे तेजो द्वीतीधारा ॥

षडभूज मूर्ती वीरा जीता । विश्वरूप हे विश्वंभरा ॥

भक्त प्रिय वज्रपंजरा । दिनांचा उद्धार करा ॥

दत्तात्रया अवतारा । श्रीपाद नरसिंहवरा ॥

नित्य निरंजन ओमकारा । कलयुगी ऐशी आकारा ॥

जन्म घेशी तु पिठापुरा । सचित धन तु शुभम करा ॥

शाश्वत पावन तपोवरा । शब्द दाविसी ओमकारा ॥

कृष्ण संगमी दरूवरा । नित्य वसे औदुंबरा ॥

विप्ररूप वेराग्य वरा । प्रियजन हे परमेश्वरा ॥

हे मुनिजन मानसचंद्रा । तु गुरु धैर्य समुद्रा

जगधीशा जगत उद्धारा । उद्धरी मज गुरुवरा ॥

करुणानिधी करुणाकारा । निर्गुण हे निर्विकारा ॥

गुरुराया कल्याण करा । निजा नंदी द्रुड करा ॥

चिन्मय चीतघन चीतंबरा । अंतर योगी अगोचरा ॥

ब्रम्हा विष्णू महेश्वरा । स्वामी समर्था कृपा करा ॥

दिगंबरा दिगंबरा श्रीपाद वल्लभ दिगंबरा

श्रेणीगुरुदेव भजन

covid times

So, Covid has taken meaning a lot of things out of your world. I am reading news that China wanted to get weaponize Covid virus.

It must be superior intelligence of China to think of recognising a virus which could let them the victory of third world war. The war which was fought but never declared to be a war would have no issues or remaining problems from China's point of view. What it means is, China has started this war without even firing a bullet, at the first instance eclipse like sum of the battle started which started China has won it.

Some of the people that I have influenced of knew or think that we are in state of third world war. My alliteration didn't saw it. my grandparents saw the second World war. What means if we be the 3rd generation who would be seeing a third world war then there is every possibility that India will  win it. 

The only problem that I see is India is not prepared for a third world war. Our next 5 yeara will dictate how and whether we are any good of the western philosophy or think tank.

And standard we are in a good situation from our political point of view, however winning a war required social economical and other circumstances as well. To put that in perspective America never had the waltz soil that's where they got benefits. This industries produced weapon of mass destruction while the other countries where under influence of the world war. 

About 70% of the Indian population is of youth, important to xhannelize  this population to be useful in making India one of the greatest Nations ever lived.

Life and Money

VG Siddhartha: Money lessons in death and life : MoneyControl !!

The death of VG Siddhartha, the founder of India's largest coffee chain, Café Coffee Day (CCD), is most unfortunate. While there are debates on the business, tax and personal reasons behind his death, there are many lessons and action-points from the tragic story for investors. Managing debt, keeping personal and business finances separate, curbing reckless spending, keeping family members in the know and taking sufficient insurance are critical factors for the self-employed, business persons and in general for indebted people. Taking major loans from friends and family members is also best avoided.

The coffee king raised too much debt, especially in the last few years. CCD's debt started mounting and, by 2018, it stood at about Rs 3,300 crore. But the more disturbing aspect is that Siddhartha reportedly had huge personal debt of about Rs 1,000 crore.

Such cases of liabilities being passed on to the spouse and children are not all too uncommon. But, are legal heirs liable to pay for deceased person's debt? This aspect is explained later in this article.

Take stock of outstanding debt

Make a list of all your loans and the amounts that need to be repaid, as well as total assets available singly or jointly with your spouse or other family members.

Says Vishal Dhawan, certified financial planner, and founder Plan Ahead Wealth Advisors, “A family should adopt a process of maintaining a record of investments and total outstanding debts. Also, your spouse should be aware of the complete financial picture. It's much easier to figure out the details when they are needed in such unfortunate situations.”

The assets would possibly need to be liquidated in order to repay the outstanding debt. If the loan was taken jointly, the onus to repay would automatically lie with the co-borrower. Even if the co-borrower is not the family member, the bank recovers the outstanding loan from the person.

What if there is no co-borrower? Financial advisor Nitin Bhatia makes an important point: “In the absence of a co-borrower, the bank approaches legal heirs to settle the outstanding loan. In case the loan is not settled by legal heirs, then the banks may take physical possession of the assets such as house, car and auction the same to recover their outstanding debt.”

In short, the person may pass way, but loans taken will need to be repaid.

Separate family affairs from those of the business

Most self-employed people don't separate personal and business liabilities. An EMI on loans for business is paid from one's savings account. Also, they do not track business and household expenses every month. Tarun Birani, founder and CEO of TBNG Capital Advisors says, “Make it a point to segregate your personal and business expenses. Also, start withdrawing salary from your business income and treat it like any other business expense every month. Your lifestyle and other monthly expenses should be limited to this income you get home every month.” Such a practice will help you stay organised with your financials and you will stay safe from a debt trap.

Avoid debt to buy depreciating assets

All products that you buy with loans that depreciate over time are considered bad loans. You will never recover the sum plus interest paid on them; for example, shopping for clothes, mobiles, and consumer electronics via a consumer durable loan or buying a car on car loan. Sukanya Kumar, Founder & Director of home loan advisory firm, RetailLending.com says, “The moment you walk out of the shop, it depreciates by 30-50 per cent at least. It becomes a 'second-hand' item.”

A loan which enhances the worth of the purchased product over time and gives returns over the period, absorbing the interest cost attached to it can be considered a good loan. Kumar says, “A home purchased on loan appreciates in price in the long term, if bought wisely after thorough research in a good location and will succeed in recovering the interest cost too.” The added advantage of taking a home loan is also the tax benefit under a couple of sections from in the income tax act.

Make sure your debt is in control and your total loan EMI does not exceed 35-40 per cent of your monthly income.

Understand how major liabilities are repaid

Home loans

As mentioned earlier, in case a home loan were taken singly and the person dies, the bank will auction the property and the proceeds will go towards repayment of the outstanding amount. In the case of joint loans taken with a spouse or a family member, this liability of repaying the home loan falls on the surviving spouse or the family member as per the loan agreement.

There is this advice from Sukanya: “If you are unable to repay the outstanding home loan, consult the lenders. They may agree to change the loan terms and increase the loan tenure, reduce monthly installments or give you a holiday from EMIs for three to six months to take control of your finances. You can then begin the repayment.”

Unsecured loans

Personal loans and credit card debt are unsecured loans. Banks have a right to claim all outstanding amounts from legal heirs of the deceased in such cases. You may have to approach banks and settle these outstanding dues immediately. In unsecured loans, the dues may increase with accumulated interest, which is much higher compared to what is paid on secured debt. Mrin Agarwal, financial educator and founder of Finsafe India explains the way forward, “The banks can file a civil suit against the heirs for the recovery of their funds. In such cases, the heirs may consult an advocate to safeguard their interests.” If no mutual settlement is reached with the bank, the legal procedures may turn in favor of the bank, with the legal heir having to settle the outstanding debt.

Business loans

In case of the death of a person who owns a business that is a sole proprietorship, that is a single owner, the banks still auction assets to recover their dues. Arvind Rao, a Mumbai-based financial advisor and founder of Arvind Rao and Associates says, “When the sole proprietor dies, the business operations are terminated and outstanding debt is first cleared by selling off business assets and then from personal assets as required.”

If the business runs as a partnership firm or as a private company, the bank agreement will have other partners or directors of the company signings it as co-borrowers. So, in case of the sudden demise of a person who has taken loans for the business and the company or partnership firm is unable to repay the outstanding debt, the other partners or directors will have to pay the dues. The full liability is transferred to them.

Entrepreneurship is filled with risks. The entrepreneur must develop an ability to segregate his personal and business lives. Caution has to be exercised while borrowing for business purposes, so that the family doesn't have to suffer in case of a sudden demise.

Prepare a will and update it regularly

Financial advisors recommend having a will prepared while taking a loan. It serves two purposes, says Dhawan.

It lists out all the assets that a person has. In case of his demise, the family knows what assets he owned, so that if they need to repay any pending loans by liquidating any assets, they would now know which assets to liquidate and where those assets are kept.

Secondly, the person can also put down a guidance in his will as to what assets should be liquidated to repay loans, if any, in case the person dies. "In many Indian families, the male member of the house manages the finances. Often, when he passes away, the spouse and the rest of the family are clueless as to what to do of the finances. On top of it, if they inherit a loan, it could get tricky. A will helps in such matters", says Dhawan.

It is important to mention in the will as to who would settle the liabilities after the borrower's death.

Take a term plan policy to cover all loans

Often, individuals ignore the term life insurance cover for loans. Kumar says, “They consider it as an additional expense and prefer taking risks by ignoring this life insurance cover. There can be instances wherein borrowers don't plan for repayment of loans and in case of a sudden demise, the liability falls on the legal heir.”

Often, many of us think that an insurance cover bought long ago would be enough to repay the debts in case we pass on. However, in reality, the older insurance covers would be just about enough to cover the loss of breadwinner's income, and not any debt undertaken by him in his lifetime, that would now need to be paid.

Bhatia advices, “You should always keep your insurance needs separate from the cover required to hedge debts and loans.” For instance, if you already have a life insurance cover of Rs 2 crore considering family goals and have availed a home loan of Rs 1 crore recently, you should buy a separate life cover of Rs 1 crore to hedge the home loan risk.

Keep your spouse in the know about finances

Often, one family member looks after money matters and plans for goals. The spouse and children are unaware of the investments and liabilities on the family. There are instances wherein family members are not aware about bank account details and investments after the demise of the person who looked after the money matters.

Agarwal says, “Keep your spouse in the loop on assets and liabilities of the family. You should inform her about new loans taken, outstanding loans, because, in future she may have to manage in case of untimely demise.”

It should not be limited to knowing your assets and liabilities. You should also share passwords to access investments and net banking for all accounts. Dhawan says, “In case of sudden demise, your spouse needs to be aware of all the passwords. Also, ensure that they are secure. Often, it happens that the spouse may keep the same password for all sites it creates a security threat in the future.”

On brink of Extinction

ET - 2Aug2019

Religion is set to become extinct
in nine countries, as there's a
steady statistical rise in those
claiming no religious affiliation
A research team took census
data stretching back as far as a
century from countries such as
Australia, Canada, the Czech
Republic, Finland, Ireland, the
Netherlands, New Zealand and
Switzerland. In many modern
secular democracies, people are
identifying themselves as non
affiliated with religion.
In the Netherlands, the numb
er was 40%, and the highest was
in the Czech Republic, at 60%
In all the countries, indications
were that religion was headed
toward extinction. The findings
were reported at the American
Physical Society meeting in
Dallas, US.
Czech novelist Milan Kundera
predicted back in 1959 that "peo
ple will first do away with the
sectarian affiliations of their
respective religions and slowly
with the whole concept of religion
on altogether". For thousands
of years, religion has remained
in the universal consciousness
so entrenched that its eliminati
on appears extremely difficult
In India's last census, 2.7% peo
ple didn't mention they belong-
ed to which faith
"Mankind cannot yet imagine
a world without god. But it can
realise the futility of all faiths
sooner or later,"stated Carl Sag.
an. The way we're witnessing
bloodshed all over the world in
the name of religion, it seems
mankind's level of tolerance
has come to a pass. Rather than
bind people together, religion
has caused rifts and wedges. It
has claimed more lives than all
the catastrophes and disasters
ut together.

Army or publicity house

Army asavi rakshana Sathi. Tixhya image Sathi nahi

Love:

When we start liking someone and it later developes to a love bond, we take care of other person and expect him/her to be in best condition. We make sure that we help and take extra efforts to ensure confert to the person.

I believe that only when we were truly in love, we take care of Oswald as well so that our love enjoys or company the most and we have each other's company  for longer duration in best possible way

Demonituzatiob

Meanwhile, PM Modi demonetized 500 and 1000 notes and hell broke upon a lot of people.
Common man standing in long lines to get cash in hand as the cashless is still a bit much to demand.
Rich is on verge of losing nothing if the money is in non cash firm.
Those who have stack of these notes are worst affected as there is no way other than to get it to bank to make it usable again. There are ways actually that normal people would think of. Only those who are foolish enough would be worst affected.

Money has become suddenly a commodity than a medium to buy. People are spending less an accumulating more or of fear that even this would vanish.

Transactions such as property and gold are going down. For years there have been people (haves) who purchased these out of their sheer cash strength. Have-nots never complained neither has any interest than to make 2 ends meet. These parking places now will become difficult to liquidate.

Share market reacted negatively to this and still is recovering. But 2017 looks positive as banks have lot of cash, mutual funds have lot of investment coming as the bank fixed rates decrease.

Lot to analyse and sustain!!!