Thursday 9 april 2009 4 09 /04 /Apr /2009 12:52

Now a days there are number of cards issued to customers to facilitate banking activities. These cards are in plastic and usually about 8.5 cm by 5.5 cm in size. The name of the holder and the number of the card will be embossed on it. It also has an expiry date.
 
Charge Card

In these types of cards transactions are accumulated over a period of time (generally a month) and then the total will be debited to the account. The card- holder will be given 25 to 50 days to pay. These are called charge cards as the transactions are accumulated and not debited to the account immediately. The amount on a charge card is payable in full and no credit is given to the customer. These cards are also called T & E cards.

E.g.: American Express and Diners Cards

 

Credit Card


Credit cards are similar to charge cards; at the end of a month particulars of all amounts purchased are sent to the card- holder who is required to pay a minimum amount (if he does not wish to pay the entire amount). He will be then given credit for the balance not paid and charged interest on the balance (it varies between 2 – 3% per month).
 MasterCard and Visa is the major credit card and most banks offer either MasterCard or Visa coupled cards. This is for acceptability at vendor establishments.

 

Debit Card

 

 

Smart Card

 

A smart card is similar to any other credit card. It however has an integrated circuit (IC) chip installed in it. The chip encloses memory, may contain a processor and communicates through contacts on the surface of the card. As these are difficult to copy there is a move to change credit cards and other cards into smart cards.

Electronic Purse

An electronic purse is a kind of smart card that has transferred into it an amount of money. Every time a transaction is entered into, the purse is depleted by the money taken out. Once empty it can be electronically replenished.


Debit cards are dissimilar to charge and credit cards because the holder receives no credit. As soon as a transaction is undertaken, the customer’s account will be debited with the amount of the purchase. If the customer does not have sufficient balance the transaction will be rejected. These are issued by banks and are coupled to the account of the holder. The important features of Debit Cards are that individuals cannot buy more than they have funds for. Debit cards are like to ATM cards and have a unique number. Bank customers can use this to withdraw money from ATMs by punching in their personal identification number or they may pay for goods and services. When paying for goods/ services the vendor swipes the card through a point of sale terminal. The customer’s account will be checked and if there is adequate balance, the account will be debited and the vendors account will be credited. The great benefit is that the customer will not create huge outstanding by using these.  
By Gurudatt - Posted in: Finance
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Thursday 9 april 2009 4 09 /04 /Apr /2009 11:31

1.  Buy insurance for risk cover

The purpose of an insurance policy is to protect the family members of a person from any financial complexities in case of his/her premature death. Such unfortunate eventuality to a breadwinner in the family can put the other family members in serious financial problems. Insurance seeks to offer financial help in such times.  

This, therefore, must be the main objective for buying an insurance policy. Any other benefit such as tax advantage etc. must be of secondary consideration.

2.  Do not consider insurance as an investment option


The primary aim of the insurance policy is to provide a risk cover. Therefore a part of the premium paid is first appropriated towards this purpose. The balance amount is invested in financial instruments, which are generally very safe ones. Also, the commissions and charges are substantially higher than other investment options.

Consequently the returns from an insurance policy are nothing much to talk about therefore it cannot be considered as a feasible investment option in comparison with other competing financial products.

 

3.  Preferably buy only a term policy

Term policies are pure insurance products with no investment option. They are the cheapest and the simplest among the available plans. But cheapest does not mean they are inferior to other costlier
insurance policies. As far as the basic purpose of risk cover is concerned, there is no difference. And usually for most of us this term policy must be more than sufficient.

 

In such policies the premium paid is foregone at the expiry of the policy and one does not get anything if one survives the policy term. This fact that one does not get anything back is possibly the most important psychological factor for the low popularity of a term policy.

4.  Do not prefer savings-linked insurance policies

In contrast to the term policies,
savings-linked insurance policies are such as money-back, endowment and whole-life provide the risk cover and also give back some returns to the insured at the end of the policy term, in case nothing happens to him/her in the interim. The premiums of such policies are much higher than the term policies. This assurance of getting some returns at the end of the policy term is why most people choose for such savings-linked policies in comparison with term policies.

They however fail to understand the fact that a part of the premium is anyway earmarked to provide for risk cover. Then a part of the premium goes towards paying commissions, administrative and other charges. And it is only the balance amount, which gets invested to provide some returns to the insured at the end of the day. These returns are normally very low as the investment is made in risk-free low-return options.

 

Therefore, a person may be wealthier if he were to buy the cheaper term policy and invest the balance amount, which would have otherwise gone towards high premiums of saving-linked policies, like MFs. In this way he would be risk-covered and also generate higher returns.

5.  Remembernot to be carried away by persuasive agents and publicity.

From their business viewpoint the insurance companies and the agents may be keener to sell saving-linked policies in comparison with the term policies, as the premiums and commissions are much higher. And hence the advertisements and promotions may speak more about such policies. Therefore, it is for the insured to keep his interests & needs in mind and not be carried away by influential agents and publicity.

6.  Buy ULIP only if your horizon is long term.

Unit Linked Insurance Policies (ULIPs) offer an alternative to traditional policies where the returns will be market-linked. Further, one can also choose one’s own investment objective amongst equity, debt and balanced funds.

 

However, the charges in the first years are quite high. Thus the actual benefit of ULIP starts accruing only if one has a long-term investment horizon. The minimum lock-in period of 3-5 years may look attractive, but is too short a period to fully reimburse for the high charges in the first 2-3 years. ULIP can prove to be a good investment option (together with insurance) if one keeps paying premium for at least for 10 years.

7.  Not insure yourself if you are a lone bird.

Insurance is for the benefit of the dependents. Thus, if you are single with no one being financially dependent on you, it is not necessary for you to buy an insurance policy.

 

8.  Do not insure if you are wealthy.

If you are a person of plentiful means, you have lots of wealth – properties, bank balances, investments, etc. in your absence; this may be more than enough for your family and dependents to continue living comfortably. A few lakhs of rupees from an insurance company may not make any material difference to their future financial security.

9.  Do not insure the child


Any unfortunate eventuality involving a child is no doubt emotionally very shocking. But it usually does not hurt the family financially. Whereas, insurance cover is for justifying the financial difficulty, that may arise with the death of the insured. Therefore, taking a policy for a child is meaningless. It is a needless expense.

 

 

10. Read the fine print carefully
 
As they say ‘the devil is in the details’. Therefore, understand the characteristics of the policy, the charges etc., before you buy an insurance policy. Further, most insurance companies offer a 15-day look-in period after you have taken the policy. Go through the terms and conditions in the policy very carefully. And if you feel that it does not meet your necessity, you can cancel the policy. You may have to pay some administrative charges, but this would be much better than investing on to a bad policy for years to come.

Insurance is a long-term contract generally spanning over decades. Also, these contracts have very little flexibility. A wrong insurance product can financially injure for a very long time, unlike many other financial products. Therefore, one should be extra careful and cautious when deciding on how much to insure, how long to insure, which policy to buy, etc.

 

By Gurudatt - Posted in: Finance
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Wednesday 1 april 2009 3 01 /04 /Apr /2009 08:13

Today, all of a sudden, I felt to write about my father… I don’t know, why it came to my mind today...
 
First of all let me introduce myself, I – P Gurudatt, “P” stands for my father’s name “Jois Parameswara Shastry”. Now I am going to write on him...
 
 
I can narrate him in a line as “A simple hard working, down to earth, god fearing, orthodox, shy principled person, with lot of common sense, wisdom and intellectual properties.”

 

 Let me recall my past, way back 1980 onwards…. Because, then onwards only, I can able recall bits & pieces….about my life and my father.
 
At 1980 my age was around 8 years... at that time my family was consisting of 6 members, my grand mother (basically, she was my aunt (My father’s elder sister), but we are all calling her as “Ajji” (grand mother)), father, mother, sister, brother and myself, apart from us my aunt (my mother’s cousin) is studying in our house only
 
We were in Chitradurga. My father was a wireless inspector. (In olden days radio set holders need to have the licenses, wireless inspector’s job is to visit their premises to check the licenses, renewals, initiates the prosecution against pirates etc.,)  He used roam around all over chitradurga on his Hero bicycle and daily he was used cover more than 6-7 kms.  If, I think about that, I really feel very sorry about him. But at that time owning a bi-cycle is also a prestige issue.
 
When I was young, I was very naughty and I was having the experimenting habit of the things in the name of repair. Every day I was experimenting on his bicycle like fitting, loosing the bolts, nuts, oiling the chain, bearing, wheel etc., putting the color paper on spokes, tying the balloons, holding the think paper in between the spokes etc etc.,  Most of the times, I used spoil things. I used experiment not only on the bicycle but also on radio, pen, stove what ever the things that shows some interests to me. Most of the time I was getting the shouting from my mother not from my father!!! Always he was telling to me that, “Oh..! Spoiled, don’t do next time”  in a sad mood but, I used ignore that…… But now, I can understand…. Why he used tell in sad mood.. as his salary was only Rs.800 /- and he has lead 6 member family…!!!!!
 
I started learning bicycle at my 9 year with the help one of the senior friend. At that time, when ever I used see bicycle, I was taking for a round without any notice. At that, I was riding the bicycle in a scissors style.
 
Later, he got the transfer to Harihar about 120 Kms away from Chitradurga towards Hubli, as a Head postmaster. At that, I was just finished my 6th standard and supposed to enter my 7th class. My family moved to Harihar except my Ajji.., as she is become a guardian to our house at Chitradurga.
 
There, office was provided the quarters.  It was big house having about 5 rooms with a big balcony, above my father’s office.. It was a  good house for us to play.!!!!!!. We (I and my younger brother) used to play cricket, foot ball, volley ball, carom etc.
 
My father used advise us to not to play cricket in house, as we were spoiled all window gasses, mirrors etc.,  We never honored his words but  used tell yes yes..to him…  may be it was our childishness.
 
 In this way in Harihar, I have completed my SSLC (10th std) and my brother was completed his 6th std,.  In this context my father was transferred back to Chitradurga as Head post master. May be after 2 year of working as a head master, he got the retirement.  At that time, I was completed my 12 class and have started thinking to go my higher studies like, degree or any other technical courses.
 

I told to my dad that, I will join some technical course, rather than studying Bsc.. Even my father also thought it will be correct. Later I have joined diploma – Automobile, after failed to getting through in NTTF.MICO, GTTC courses.
 
At that time I got a new sports model cycle. I was enjoying repairing it daily, same old habit.!!!!!!

Daily,  I used tight some thing or loose, re-adjust one or other things, some time up to midnight. But my father never scolded me for these matters. I really feel strange now.
 
After his retirement, he decided to work some where, so that, he can cater his family needs, as his pension was not at all sufficient to cater total family needs. He was struggling to feed his family in his 57 years after is retirement also.
 
Appa got a job in one of the known school in Chitradura. He was looking after entire accounts. He was not having cycle at that time... He used to go by walk for his office. It was almost 2.5 Kms from home... He used walk almost 5-7 kms everyday…If think now about those situations, I really feel very sorry about him...
 
But.., never he has told no to me and my brother to spend money for our studies and for our tuitions etc.., even now I am remembering that, I use steal money from father’s pocket for my passions. Yes I was there in growing age and seeing the outside passionate world.  I used coming across all rich family friends…to cater my passion and my desire, I was stealing the money from my dad’s pocket… I never realized that money how much value for him. !!!!!!!!
 
In the mean time I last my loving Ajji because of sever heart attack…  she is taken her last breath in front of me… I was latterly shocked and trying to recover from shock…!!! I never anticipated that I will have another bigger shock…!!!!!???
 
When I was there in my 3rd year…, one day, my father got the fever, so my mother took him to the very well known hospital of Chitradurga, admitted him. They have started diagnosing him about his illness, but they haven’t succeeded. Within 3-4 days slowly he went to koma.  Later he was moved to Davanagere about 80 Kms from Chitraduraga to big hospital.
 
BUT…there also…doctors were struggled to diagnosed him… within 2 days early..4’o clock  my father took his last breath… I was the person who was evidenced his last breath……!!!!!! 
 
Really.. it was a hell.. I am become main member of my family.. I have to convince my mother and I have to take further steps also…
 
On that early morning… at 4’o clock.. doctors  were confirmed that he is no more… and have to do take out him (he is become body now) from hospital within 6 or else duty doctor come, he will start diagnosing and postpartum  ect.,  I ran outside of hospital telling my mother not to worry !!! really  at that time only your duty comes in to place not sentiments …!!!!!!!! Some how I got a taxi to take his body to Chitradura….
 
I wanted stop this article in this point only… because, if I write further it will become my stories, not my father’s !!!
 
 If  I recall some highlights his life means……..

Yes he spent total his life for his family. He has not at all enjoyed, even his retirement life. He was struggling… struggling… entire life he was struggling… for his family..  He never shown his disappointment because of his status… he also keep his smiley face and was ready help others, who were in needy.. That was his greatness..
 
Now I am really feel very proud about my father…. He has not made any property for us, he has not kept any bank balance for us.... but.. he has given us a good rich conduct, he taught us a good SAMSKARA, good thoughts, good education.

I am saying now my father Mr. Jois Parameswara Shastry is great.. Jaya ho..!!!!!! Mr. Shastry Jaya Ho….!!!!

By Gurudatt - Posted in: Personal
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Tuesday 31 march 2009 2 31 /03 /Mar /2009 15:49





भूर्भुव: स्व: तत्सवितुर्वरेण्यं ।
भर्गो देवस्य धीमहि, धीयो यो न: प्रचोदयात् ।।
 

A basic translation can be given as...


Oh God, the Protector, the basis of all life, Who is self-existent, Who is free from all pains and Whose contact frees the soul from all troubles, Who pervades the Universe and sustains all, the Creator and Energizer of the whole Universe, the Giver of happiness, Who is worthy of acceptance, the most excellent, Who is Pure and the Purifier of all, let us embrace that very God, so that He may direct our mental faculties in the right direction.


The Four Parts of the Gayatri Mantra

Aum Bhur Bhuvah Swah (

भूर्भुव: स्व:)

 

1. AUM (), the Supreme name of God.


BHUR BHUVAH SWAH. These three words collectively are known as the "Mahavyahriti". They express the nature of God, and demonstrate his inherent qualities.

 

2. BHUR (भूर्)

Firstly, the word Bhur implies existence. God is self-existent and independent of all. He is eternal and unchanging. Without beginning and without end, God exists as a continuous, permanent, constant entity. Secondly, the word Bhur can also mean the Earth, on which we are born and sustained. God is the provider of all, and it is through His divine will that we our blessed with all that we require to maintain us through our lives. Finally, Bhur signifies Prana, or life (literally, breath). God is That which gives life to all. Whilst He is independent of all, all are dependent on Him. It is God who has given us life, God who maintains us throughout our lives, and God alone who has the ability to take away our life, when He so chooses. The only permanent entity, all others are subject to His own will

 

3. BHUVAH (भुव:)

Bhuvah describes the absolute Consciousness of God. God is self-Conscious as well as being Conscious of all else, and thus is able to control and govern the Universe. Also, the word Bhuvah relates to God's relationship with the celestial world. It denotes God's greatness - greater than the sky and space, He is boundless and unlimited. Finally, Bhuvah is also indicative of God's role as the remover of all pain and sufferings (Apaana). We see pain and sorrow all around us. However, through supplication to God, we can be freed from that pain and hardship. God Himself is devoid of any pain. Though He is Conscious of all, and is thus aware of pain, it does not affect Him. It is our own ignorance that makes us susceptible to the effects of Maya, or illusion, which causes us to feel pain. Through true devotion to God, we can be freed from the clutches of Maya, and thus be rid of pain and sorrow.

 

4. SWAH (स्व:)

Swah indicates the all-pervading nature of God. He is omnipresent and pervades the entire multi-formed Universe. Without Form Himself, He is able to manifest Himself through the medium of the physical world, and is thus present in each and every physical entity. In this way, God is able to interact with the Universe created by Him, and thus sustain and control it, ensuring its smooth and proper running and function.

Also, Swah symbolizes God's bliss. All but God experience pain, suffering and sorrow. Devoid of all such things, God alone is able to experience supreme bliss. Happiness as experienced by humans is temporary, a transient state of mental satisfaction, which soon dissolves back into the mire of worldly troubles. Perfect, and without any form of deficiency, God alone experiences true bliss, permanent and unaffected by worldly pains and woes. One who realizes God is able to join in this bliss, and thus God is able to impart true happiness to those who establish oneness with that Supreme Divinity.

The Mahavyahriti can be summed up by comparison to the word AUM itself, and through this comparison to the tripartite structure, can be compared to the essential nature of God, which differentiates Him from the other two entities recognized in that structure (namely, matter and soul), in the same way as the comparison between the three parts of the word Satchidananda, another name also used to describe God...

BHUR Prana Earth Sat Existence

BHUVAH Apana Sky Chit Consciousness

SWAH Vyana Heaven Ananda Bliss

 

TAT SAVITUR VARENYAM (

तत्सवितुर्वरेण्यं)

 

5. TAT (तत् s.1)

Literally, this word means "that", being used in Sanskrit to denote the third person. It is also mentioned in the Bhagavad Gita by Sri Krishna Himself, where He implies the selfless nature of the word. Being used in the third person, the word has implicit in it an idea of selflessness. Sri Krishna uses it to imply the selfless nature of charity (charity, or a gift, being used as an analogy for worship, in the form of action, implying that action should be preformed without regard to its fruits, but simply out of devotion and sense of duty, or Dharma). Tat then is used here in the Gayatri Mantra to indicate that the worshipper is referring to [that] God, and that the praise being offered to God in the prayer is purely directed towards Him, without thought of gaining any personal benefit from that praise.

 

6. SA-VI-TUR (सवितुर् s.2-4)

Savita, from which Savitur is derived, is another name of God, this being the reason that the Gayatri Mantra is often known as the Savitri Mantra. The implication of Savita is of God's status as the fountain, the source of all things. It is through His Divine Grace that the Universe exists, and so this word sums up the Mahavyahriti, by describing God's ability to create the Universe and sustain it, as well as, at the right time, bring about its dissolution.

Savita is also indicative of God's gift to mankind. Humans also have, in limited amount, the power, or shakti, of Savita. This shakti acts as an impetus in humans, and brings about the requirement for them to do something. They cannot sit idle, and are constantly searching for something to do. This is what is commonly known as the "creative urge". It is through this shakti that mankind has created art, and it is through this shakti also that scientific advances are made. The gift of Savita also gives creatures the ability of procreation. Hence, Savita can be thought of as meaning Father (or Mother) also.

Finally, it is the power of Savita that enables mankind to distinguish right from wrong, and vice from virtue. Through this ability, we are able to in some part direct our own selves, and thus, Savita imparts to us a certain self-guiding ability. Thus, by using this word in the mantra, we demonstrate that we are making efforts ourselves also, since God will not help us unless we are willing to help ourselves.

 

7. VA-RE-NY-AM (वरेण्यं s.5-8)

Varenyam signifies our acceptance of God, and can be translated as meaning "Who is worthy". Ever ready to obtain all the material riches of the world, more often than not, they are a disappointment once they have been achieved. God however is the one who, once realized and achieved, has the ability to truly satisfy. We therefore accept Him as the Highest reality, and it is to Him that we dedicate our efforts.

Varenyam can also be interpreted as signifying one who is eligible. We have chosen Him to be our Leader and our Guide. We place our all into His hands, and accept Him regardless of anything else. We place no conditions on this acceptance, as it is all out of sheer devotion.

BHARGO DEVASYA DHIMAHI (

भर्गो देवस्य धीमहि)

This triplet is a further description of the attributes and qualities of God - His functional and instrumental qualities, rather than intrinsic qualities - and through those qualities, His relationship to us.

 

8. BHAR-GO (भर्गो s.1,2)

Bhargo is taken to signify the Glorious Light that is God's love and power. It indicates His complete purity - being absolutely pure Himself, God also has the ability to purify those that come into contact with Him. Thus, Bhargo is indicative of God's power to purify, and to destroy all sins and afflictions. In the same way as a metal ore placed into a fire will yield the pure metal, by merging with God, by realizing His Divine Form and establishing unity and oneness with Him, we can cleanse ourselves and be made pure by His Grace.

Though the soul, being itself Divine in nature, possesses that Light, it lacks luster, having been made impure by the sins and vices, which are a result of the darkness of Maya. By removing the veil of Maya, and cleansing our soul, God can enable the soul to realize its true, Divine self, and thus purify it.

 

9. DE-VAS-YA (देवस्य s.3-5)

The word Deva, from which this word is derived, has been translated by different people in many different ways. It is generally thought of as meaning simply "God". However, its meaning is more complex than that.

Deva, which forms the root of the words "Devata" and "Devi", means "quality" or "attribute", and can be thought of as another word for "Guna". Thus, the various forms of God are given this name, as each of those forms is related to a specific quality and function (for example, Brahma has the quality of Creation, Kamadeva has the quality of love, etc.). Also, Deva is thus used to describe anyone who is considered to possess a special quality.

Since Deva is symbolic of the individual qualities of God, the word demonstrates the inherent oneness of those different Forms, and thus the use of this word can be taken as describing the fundamental unity of God. Thus we see that here, we reaffirm that central belief in the Hindu Dharma that "Ekam sat viprah bahudah vadanti" (Truth, or God, is one, but wise men call Him/It by different names).

Thus, Deva is indicative of the various multifaceted entity that is the absolute Personality of God. It describes in one word all the functions, roles and different attributes of God, and symbolizes therefore his absolutely essential nature - without God, nothing can exist.

 

10. DHI-MA-HI (धीमहि s.6-8)

Meaning to meditate and focus our mind on God. Meditation on God implies that we remove all other thoughts from our mind, since thoughts of the world render our mind impure, and thus we are unable to conceptualize the absolute purity of God. We must be able to concentrate, and direct our mental energies towards the task in hand - which is communion with God.

DHIYO YO NAH PRACHODAYAT (

धीयो यो : प्रचोदयात्)

Prayer is carried out for four main reasons:

to praise and glorify God;

to thank God;

to ask forgiveness from God;

or to make a request from God.

Having carried out the other three parts (praise of His greatness, thanks for His generosity in Creation and maintaining us through our lives, and forgiveness by demonstrating our awareness of our own impurity, which we have realized is present and must be cleansed through contact with God), this part is now our request from God. Since our soul is the Light of Life within us, and that acts on our body via the medium of the brain, we ask God to make this contact pure and righteous. The soul is of course inherently pure, being itself Divine in nature. The body is under the complete control of the mind. The link is the mind, which is affected not only by the soul, but also the outside world. We ask in these four words that God help us to improve our intellect, and guide it towards what is right.

 

11. DHI-YO (धीयो s.1,2)

Sanskrit for "intellect", this is the essence of this part of the Gayatri Mantra. Having firmly set God in our hearts, we now must try to emphasize His presence and influence on our mind and intellect.

Material prosperity holds no true meaning for the person who is truly devoted to God. Pain and suffering are of no consequence to him as, touched by God, he is imbued with God's own Divine Bliss, and all worldly sorrows pale to nothingness in comparison. However, still the individual must live in the world. Thus, it is important that the person's intellect remains focussed on serving God, and that it is able, through the medium of the body, to serve God to the best of its ability.

Physical objects can be obtained very easily, if one is intelligent enough to know how to go about it. Intellect however cannot be obtained, but must be there from the very first. It is by use of this intellect, in fact, that one is able to cultivate all other qualities (building of wealth, "success" in life (in material terms), physical fitness, etc.) Thus, intellect is the key to all else in life, and as such, it is the most important possession. We ask God in the Gayatri Mantra to gift us with the highest intellect, and to help us by showing us the way to use that intellect.

 

12. YO (यो s.3)

Meaning "Who" or "That", Yo signifies yet again that it is not to anyone else that we direct these prayers, but to God alone. Only God is worthy of the highest adoration, only God is perfect and free from all defects. It is That God to Whom we offer these prayers.

 

13. NAH (: s.4)

Nah means "Ours", and signifies the selflessness of the request we make of God in this part of the Gayatri Mantra. We offer this prayer, and make the request of God, not simply for ourselves, but for the whole of humanity. We seek the uplift of the whole of society. Hindu philosophy has since the beginning recognized the concept of "Vasudhaiva Kutumbakam" - "The whole world is one big family". Thus, we pray not only for ourselves, but for each and every member of that great family, that we may all benefit from the greatness and generosity of the All-loving God.

 

14. PRA-CHO-DA-YAT (प्रचोदयात् s.5-8)

Prachodayat, the final word of the Gayatri Mantra, rounds off the whole mantra, and completes the request we make of God in this final part. This word is a request from God, in which we ask Him for Guidance, and Inspiration. We ask that, by showing us His Divine and Glorious Light (cf. BHARGO), He remove the darkness of Maya from our paths, that we are able to see the way, and in this manner, we ask Him to direct our energies in the right way, guiding us through the chaos of this world, to find sanctuary in the tranquility and peace of God Himself, the root of all Happiness, and the source of true Bliss

By Gurudatt - Posted in: Devotional
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Saturday 28 march 2009 6 28 /03 /Mar /2009 09:58



Ram’s mom comes to visit her son for dinner.....who lives with a girl roommate Sunita. During the course of the meal, his mother couldn't help but notice how pretty Ram's roommate was. She had long been suspicious of a relationship between the two, and this had only made her more curious.
Over the course of the evening, while watching the two interact, she started to wonder if there was more between Ram and his roommate than met the eye.


Reading his mom's thoughts, Ram volunteered, "I know what you must be thinking, but I assure you, Sunita and I are just roommates." About a week later, Sunita came! to Ram saying, "Ever since your mother came to dinner, I've been unable to find the silver plate. You don't suppose she took it, do you?" Ram said,"Well, I doubt it, but I'll email her, just to be sure."

So he sat down and wrote:

Dear Mother,

I'm not saying that you 'did' take the silver plate from my house, I'm not saying that you 'did not' take the silver plate... But the fact remains that it has been missing ever since you were here for
dinner.

Love, Ram

Several days later, Ram received an email from his Mother which read

Dear Son,

I'm not saying that you 'do' sleep with Sunita, and I'm not saying that you 'do not' sleep with Sunita. But the fact remains that if she was sleeping in her OWN bed, she would have found the silver plate by now under the pillow...


Love,

Mom.

Lesson of the story is..... 

Don't Lie to Your Mother...... ....

By Gurudatt - Posted in: Time pass
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  • I am a common man with little IQ with lot of Enthusiasm and having a hungry to learn... What ever it comes to my mind… I thought to scribble the same.. That’s why this blog account is opened…… you are reading the same.. Don't curse me.. pl

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