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

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

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.

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.

Very intersting on Sardars...

कुछ दोस्त मिलकर डेल्ही घूमने
का प्रोग्राम बनाते है और रेलवे
स्टेशन से बहार निकलकर एक
टेक्सी किराए पर लेते है , उस
टेक्सी का ड्राइवर
बुढ्ढा सरदार था,

यात्रा के दौरान
बच्चो को मस्ती सुजती है और
सब दोस्त मिलकर
बारी बारी सरदार पर बने
जोक्स को एकदुसरे को सुनाते है

उनका मकसद उस ड्राइवर
को चिढाना था . लेकिन
वो बुढ्ढा सरदार
चिढाना तो दूर पर उनके साथ
हर जोक पर हस रहा था ,

सब साईट सीन को देख बच्चे वापस
रेलवे स्टेशन आ जाते है ...और तय
किया किराया उस सरदार
को चुकाते है , सरदार
भी वो पैसे ले लेता है , पर हर
बच्चे को अपनी और से एक एक
रूपया हाथ में देता है

एक लड़का बोलता है
"पाजी हम सुबह से आपकी कोम
पर जोक मार रहे है , आप
गुस्स्सा तो दूर पर हर जोक में
हमारे साथ हस रहे थे , और जब ये
यात्रा पूरी हो गई आप हर लडके
को प्यार से एक-एक रूपया दे रहे
है , ऐसा क्यों ? "

सरदार बोला " बच्चो आप
अभी जवान
हो आपका नया खून है आप
मस्ती नहीं करोगे तो कौन
करेगा ? लेकिन मेने आपको एक-
एक रूपया इस लिए दिया के जब
वापस आप अपने अपने शहर जाओगे
तो ये रूपया आप उस सरदार
को दे देना जो रास्ते में भीख
मांग रहा हो , इस बात
को दो साल हो गए है और
जितने लडके डेल्ही घूमने गए थे सब
के पास वो एक रुपये
का सिक्का आज भी जेब में
पड़ा है ...उन्हें कोई सरदार भीख
मांगता नहीं दिखा


" MORAL: The secret
behind their universal
success is their willingness
to do any job with utmost
dedication and pride.

A Sardar will drive a truck or
set up a roadside garage or a
dhaba, run a fruit juice stall,
take up small time
carpentry.. but he will never
beg on the streets

Because Sikhs contribute:

* 33% of total income tax

* 67% of total charities

* 45% of Indian Army

* 59,000++ Gurudwaras
serve LANGAR to
5,900,000+ people
everyday &


All this when THEY make
only 1.4% of the total
INDIAN POPULATION.

Press like if you agree to this
Post..\♥/

Something is not right...

Its been a while since I wrote here, and today seems to be a good reason...

In today's Sunday Times of India, there are at least 2-3 articles that made me thought, "its not fair".

Comment on Sonu's exit by fellow strikers at Manesar Maruti Plant
After Sonu Gujjar's exit from the company, there are people in worker's saying that he did not know anything of labour laws, he just chose some populist issues and rode the wave.  My question to those workers is, "where was your feeling about Sonu's lack of knowledge when you were supporting his strike for umpteen days.  Now that he's not there, you are quick to come out and talk against it"

Notwithstanding his sudden disappearance, combined with reports about he and some other leaders receiving huge sums of monies for exit from Maruti, the intention should not be doubted.

Low wages in Gujrat in addition to low strikes rates
An article talks about why industries have been successful in setting up shot in Gujrat compared to other states, example in case being the Tata Nano plant.  The article further provides some statistics about how labour in Gujrat is paid less compared to rest of the country and some other states competing for such industrial units.

There is another factor, the state govt has setup a law/amendment to central law, that allows businesses to hire/fire workers rather easily.

My point then is, is it worthwhile for Gujrat govt to push for relatively higher wages for the labour when it can provide the business entities an assurance for a relatively calmer working environment, less losses, and therefore more productivity.  But I doubt if something in that direction is being thought about by the state government.


The new media council and Justice Katju's remarks
The media today is rather more powerful and is troubling govt by uncovering rather large list of scams and corruption instances.  In such a situation why is it that govt is trying to put a restrictive institution on the media freedom, rather than looking inside and figuring out as to why is it that there is so much muck to be found out and thrown all over the place ?

The idea that the media should be controlled by a panel consisting of govt representatives among others is highly prohibitive to the freedom of press that is given as a right in the constitution...