Friday, February 27, 2015

dedicated to daughters

~~~~
..बेटियाँ.. 
..पीहर आती है..
..अपनी जड़ों को सींचने के लिए..
..तलाशने आती हैं भाई की खुशियाँ..
..वे ढूँढने आती हैं अपना सलोना बचपन..
..वे रखने आतीं हैं..
..आँगन में स्नेह का दीपक..
..बेटियाँ कुछ लेने नहीं आती हैं पीहर..
~~~
..बेटियाँ..
..ताबीज बांधने आती हैं दरवाजे पर..
..कि नज़र से बचा रहे घर..
..वे नहाने आती हैं ममता की निर्झरनी में..
..देने आती हैं अपने भीतर से थोड़ा-थोड़ा सबको..
..बेटियाँ कुछ लेने नहीं आती हैं पीहर..
~~~
..बेटियाँ..
..जब भी लौटती हैं ससुराल..
..बहुत सारा वहीं छोड़ जाती हैं..
..तैरती रह जाती हैं..
..घर भर की नम आँखों में..
..उनकी प्यारी मुस्कान..
..जब भी आती हैं वे, लुटाने ही आती हैं अपना वैभव..
..बेटियाँ कुछ लेने नहीं आती हैं पीहर..
Dear Papa....

"बेटी" बनकर आई हु माँ-बाप के जीवन में,
बसेरा होगा कल मेरा किसी और के आँगन में,
क्यों ये रीत "रब" ने बनाई होगी,
"कहते" है आज नहीं तो कल तू "पराई" होगी,
"देके" जनम "पाल-पोसकर" b
जिसने हमें बड़ा किया,
और "वक़्त" आया तो उन्ही हाथो ने हमें "विदा" किया,
"टूट" के बिखर जाती हे हमारी "ज़िन्दगी " वही,
पर फिर भी उस "बंधन" में प्यार मिले "ज़रूरी" तो नहीं,
क्यों "रिश्ता" हमारा इतना "अजीब" होता है,
क्या बस यही "बेटियो" का "नसीब" होता हे??

"Papa" Says"...
**************
बहुत "चंचल" बहुत
"खुशनुमा " सी होती है "बेटिया".
"नाज़ुक" सा "दिल" रखती है "मासूम" सी होती है "बेटिया".
"बात" बात पर रोती है
"नादान" सी होती है "बेटिया".
"रेहमत" से "भरपूर"
"खुदा" की "Nemat" है "बेटिया".
"घर" महक उठता है
जब "मुस्कराती" हैं "बेटिया".
"अजीब" सी "तकलीफ" होती है\
जब "दूसरे" घर जाती है "बेटियां".
"घर" लगता है सूना सूना "कितना" रुला के "जाती" है "बेटियां"
"ख़ुशी" की "झलक"
"बाबुल" की "लाड़ली" होती है "बेटियां"
ये "हम" नहीं "कहते"
यह तो "रब " कहता है. . क़े जब मैं बहुत खुश होता हु तो "जनम" लेती है
"प्यारी सी बेटियां"

Wednesday, February 18, 2015

Ganesh ji aarati - Shendur laal chaadaayo

शेंदुर  लाल  चढायो  अच्छा  गजमुख  को
दोंदिल  लाल  बिराजे  सुत  गौरीहर  को
हाथ  लिए  गुण लड्डू  साई सुरवर को
महिमा  कहे  न  जाए  लागत  हूँ  पद  को 
जय देव जय देव


जय देव जय देव
जय  जय जी गणराज विद्यासुखदाता
धन्य तुम्हारोदर्शन मेरा मन रमता
जय देव जय देव
जय देव जय देव



भावभगत से कोई शरणागत आवे
सम्पति संतति सबही भरपूर पावे
ऐसे तुम महाराज मुझको अति भावे
गोसावीनंदन निशिदिन गुण गावे
जय देव जय देव

जय देव जय देव
जय  जय जी गणराज विद्यासुखदाता
धन्य तुम्हारोदर्शन मेरा मन रमता
जय देव जय देव
जय देव जय देव

घालिन लोताङ्गन  वंदिन चरण डोळ्यांनी पाहीं रूप तुझे ।
प्रेम आलिङ्गिन आनंदन पूजिन भावें ओवाळीं म्हाने नमा  । ।

त्वमेव  माता पिता त्वमेव बन्धुश्च सखा त्वमेव ।
त्वमेव विद्या  द्रविणं त्वमेव, त्वमेव सर्वं मम देव देव । ।


काएं वाच मनसेंद्रियैर्वा बुद्ध्यात्मना वा प्रकृतिस्वभावा ।
करोमि यद्यत् सकलं पारसमई नारायणायेति समर्पयामि । ।

अच्युतम केशवं रामनारायणं कृष्ण दामोदरं वासुदेवं हरि  ।
श्रीधरम माधवं गोपिकावल्लभं जानकीनायकं रामधरान्द्रम भजे  । ।

हरे राम हरे राम, राम राम हरे हरे 
हरे कृष्ण हरे कृष्ण, कृष्ण कृष्ण  हरे हरे  । 

हरे राम हरे राम, राम राम हरे हरे 
हरे कृष्ण हरे कृष्ण, कृष्ण कृष्ण  हरे हरे  ।

हरे राम हरे राम, राम राम हरे हरे 
हरे कृष्ण हरे कृष्ण, कृष्ण कृष्ण  हरे हरे  । 

Rudhraashtak - Namamee shameeshan Nirvan roopam

Rudrashtak

Namaameeshameeshaan nirvana roopam, vibhum vyaapakam brahma veda swaroopam

Sunday, March 16, 2014

shuklaam vardhanam vishnu


I had to prepare my son for his shloka competition, but it was so hard to find it..
Finally, I managed to find the right sanskrit lyrics, hopefully, they are correct.

शुक्लां वर्धनम् विष्णुं  शशिवर्णं चतुर्भुजं ।
प्रसन्नवदनम् ध्यायेत् सर्वविघ्नोपशान्तये ॥ 
in roman,

Shuklaam Vardhanam Vishnum Shashivarnam chaturbhujam
prasannavadanam dhyaayet sarvavighnopashaantaye

Hope it helps

Wednesday, February 5, 2014

National Pension System (NPS) - India

The National Pension System (NPS) in India has been pushed for some time now. Government has been trying to increase the scope of the scheme, and hardly been successful at that.

One of the primary reasons has been the low cost structure for the Pension fund managers. While a regular mutual fund charges around 1.5% for the fund management effort, NPS fund managers were charging somewhere between 0.0009% to 0.25%.  At such low costs, it would have made little sense for anybody to be in business.

However, some of the fund managers persisted and are in relatively better standing today.  Some of them who did not continue (e.g. IDFC) continue to observe from a distance.

Over the last few years, returns from the NPS fund managers have been surpassing the general market returns, mostly in all categories.

Also, recently, govt regulations allowed hiking the fund management charges to 0.25%  in addition to allowing partial withdrawals from the NPS corpus.  Both of these measures have flamed the interest in NPS.  By and large, people are now taking notice of the possibility of considering NPS as a possible investment vehicle. 

Slowly, but surely, many private sector companies are also adopting the NPS route for their employees.  Beyond the long term investment option, NPS offers an instant benefit in terms of tax benefit above and beyond 80C.  10% of your Basic Salary + DA is the cap for Tax benefit under NPS. 

Therefore effectively, who falls in the 30% tax bracket, stands to shave of a substantial amount from his taxable income.  Furthermore, the returns on this additional investment are not as measly as the EPF (approx 8-9%), but much more controlled (you can chose ur fund options) and market linked.

All these measures are slowly resurrecting NPS as a possible investment vehicle.

Sunday, April 22, 2012

Life is once.. just this once...

Watching a movie and then reminiscing my own life's memories made me realize this.. rather abruptly... that, whatever is going to be, is going to be in this single life only.. there is not going to be another chance to fix situations.. relations.. or anything else...

If you have not had something in life, there is not going to be another chance to get it.. something like  second attempt at childhood/growing up... its probably better to get over it and move on in life. Or if possible, do something about it.

Saturday, April 14, 2012

Infrastructure in US

I was in US (west coast) for a few weeks.

During the stay there, I realized that the state of infrastructure in US is really not that great.  Especially the picture that is presented to the outside world, thats really skewed.

I'll just take one example. The railway network.  Try to position yourself in Los Angeles, and strip yourself of a car.  Now imagine your transportation options... its hard to find any, or if any, horribly skewed against effeciency.  This is just because of the lack of a decent railway network.

I didnt have a car there, and therefore was in the exact same situation.  I tried to visit a friend in San Francisco, and there was not a decent option that I could use.  The only option was to drive (which I couldnt since I didnt have a car), or fly, which is relatively costly. 

The point is, if you dont have a car in California region, its really impossible to imagine transportation.  When I asked this question to some colleagues there, and the response was even harder to understand than the transport situation.

I got to know that, the car companies had bought out the railway networks (which were private companies) and shut them down so that the car businesses can thrive.  As a result, slowly, the railway network died down, and all the "infrastructure" development happened for the benefit of the car users.  which I'll admit, its a great job done. Absolutely fantastic roads, other services etc.

Now compare this with a typical locality in Europe.  You'd find excellent roads, as well as train network. You can pick any country, and they have an average plus road as well as railway network.  That tells me that by having both of the transportation models, citizens gain and less fuel and money is spent.


I wonder, whether the US govt doesnt know this (hard to imagine), and if it does know about it, why doesnt it do anything to fix the situation ?