Timeless Financial Principles

If you wish to reach the highest, begin at the lowest.

Aspects of financial planning

Timeless Financial Principles.

1.       Don't work for money. Focus on making money work for you.

2.     Never say 'I can't afford it, instead say 'how can I afford it?'

3.     Never buy things on credit. If you can't pay cash for it then you can't afford it.

4.     Focus on investing rather than saving.

5.     Pay yourself first, 10% of everything you earn is yours to keep.

6.     Know the difference between good and bad debt. Good debt puts money in your pocket, bad debt takes money out of your pocket.

7.     An asset puts money in your pocket. A liability takes money out of your pocket. Spend your money buying assets.

8.     Turn your working/active income into passive income. Passive income is income that is generated from assets you own.

9.     Focus on improving your financial literacy. 9 times out of 10 financial literacy is self-taught. It is not taught in school.

10.  Always keep an emergency fund, this should be at least 5% of your income.

When you do these things, you'll have more than enough to buy all the thing so you want.

Various investment types in India

In India, I can think of below options: -

1.      EPF (Employee Provident Fund)

2.    PPF (Public Provident Fund)

3.    Post Office Saving Schemes

4.    Fixed Deposits

5.    Recurring Deposits

6.    ELSS (Equity Linked Saving Schemes)

7.   Share Markets

8. Mutual Funds

9.  Commodities Exchanges

10.RGESS (for individuals with income up to 10Lakhs only)

11.   ULIP's

12. LIC Policies

13. National Pension Scheme (NPS)

14. Gold ETF's

15. Silver ETF’s

16. Physical Gold/Silver

17. Real Estate

18.Kisan Vikas Patra (KVP)

19. Bonds/Debenture

20.Derivatives (Futures/Options)

21. Currency Markets

22. Last but not the least invest in yourself, i.e., keep reading, keep asking, keep questioning, keep learning and keep growing :-)

Educate yourself, handle basics first

Before making your first investment in stocks, take the time to learn the basics about the stock market and the individual securities composing the market. There is an old adage: It is not a stock market, but a market of stocks. Your focus will be upon individual securities which you are investing in and the relationship with the broader economy and the factors that drive your stock. Some important areas which you should be familiar with before entering the market are:

# Understanding financial metrics and definitions such as PE, EPS, ROE, Market Cap and so on

# Popular Methods of Stock Selection and Timing, such as fundamental and technical analyses

# Trading basics, rules, compliances and terminology as market order types including market orders, limit order, stop market orders, stop limit orders, trailing stop loss orders, and other types commonly used by investors, margin money required if you want to trade in F&O.

# Gain some understanding about the market and its relationship with the economy such as market relationship with inflation, GDP, fiscal deficit, crude prices, rupees values against dollar. People lose money in the markets because they simple jump to the market without understanding the economic and investment market cycles.

POWERFUL HAND MUDRAS FOR MIGRAINE

SUNDAY

29 May 2022

Powerful Hand Mudras for Migraine

Yoga mudras are understood as a healing modality. Mudra’s function as a unifying force to bring together and balance the body through the hands. According to Ayurveda, diseases are caused due to an imbalance in the body, which in turn is caused by lack or excess of any of the five elements.

Our fingers have the characteristics of these elements, and each of these five elements serves a specific and important function within the body. The fingers are essentially electrical circuits. The use of mudras adjusts the flow of energy – affecting the balance of air, fire, water, earth, ether – and facilitate healing. The point is that you’re most probably already familiar with the power, energy, and vibrancy that the hands behold. A Mudra brings the deity and devotee together.

How to Prepare for Yoga Mudra Practice?

The most well-known mudras are simple to do and are those performed while meditating in lotus position or seated in a straight-backed chair.  Start each Mudra session by "washing" your hands (rub your hands against each other about 10 times, Energize the Fingers by shaking the fingers and then hold hands before your Navel Chakra) this will help energy to flow in your hands.

Hand Mudra to Relief from Headache and Migraine

Migraine headache is more common in people with thyroid disease, insulin resistance, obesity, and high blood pressure. Headache is always piercing hurting which gives us feeling of unhappiness. The headache could be the reflection of something wrong with the psychological, emotional, or physical aspects of the body. The pain tends to spoil our day or mood, not allowing us to feel fresh or be productive.

Mudras have been a prominent tool in tackling day to day health problems, including headaches. It empowers us with dynamic powers to nourishes the subtle aspect of our bodies.

Mahashirsha Mudra -” Gesture of the Great Head"

How to do the Mahashirsha Mudra for Headaches

1.   Place your ring finger into the fold of the thumb.

2.   Touch the tips of your thumb, index and middle finger.

3.   Keep the pinkie finger straight.

4.   Do this with both hands.

5.   Hold it as long as necessary.

Benefits of the Mahasirs Mudra

·         Relieves tension

·         Balances energy

·         Eliminates mucus congestion in the frontal sinuses

·         Quiets the senses and calms the emotions

This mudra is particularly good for sinus headaches.  It is also calming, centering and clears your head bringing clarity.

Kalesvara Mudra

Kalesvara Mudra is a hand gesture used to calm the mind and take control over thoughts and emotions. This mudra is dedicated to Kalesvara, otherwise known as the Lord of Time. Kalesvara Mudra therefore guides us to contemplate time, death and our behaviors in life, helping us to overcome unwanted traits by shifting the focus from monkey mind to self-observation.

How to do the Kalesvara Mudra

Kalesvara Mudra can be practiced in any seated meditation posture, using the following steps:

1. Bring the tips of the middle fingers together

2. Bring the first and middle joint of the index finger together

3. Bring the thumbs together, creating a heart shape

4. Gently curl the remaining fingers in, and connect the thumbs to the sternum

5. Draw the elbows out to the side

Benefits Of Kalesvara Mudra:

1.   Kalesvara mudra cools down the mind. Because of this mudra cool the flood of opinion.

2.   This Mudra calms down nervous feelings.

3.   As we turn out to be calmer, the longer will be the time periods stuck between the thoughts. As an effect of that we turn into clearer plus we create new remarks about ourselves. We can seek plus find solution to our problems moreover consequently of these, you will observe an unexpected amend in your life. You will see plus experience superior in your relationship, your health, at workplace etc.

4.   Kalesvara mudra pose is moreover best to assist modify character trait, ever since this assist to keep the mind and opinion in control.

5.   This mudra moreover enhances memory as well as concentration. The soother your mind turns into, the improved you are able to think.

Lifestyle Tips

Have apples! A ripe apple, after removing the upper rind and the inner hard portion should be taken with a little salt every morning on an empty stomach in such cases. This should be continued for about a week.

Drink plenty of water and increase intake of magnesium.

Meditation is recommended to reduce stress.

Sound sleep of 7-8 hours to regulate sleeping pattern.

A hot foot-bath for about twenty minutes will often relieve a severe head-ache. An ice-cold cloth to the head will also bring relief and make the hot foot-bath even more effective.

With these all-rounded tips, reduce the frequency and intensity of your migraine or headache in the most simple and natural way. Let us prevent pain and dizziness from getting to you any longer!

We must continually work on altering our character traits. No one is ideal in the world.  However, we can forever work out for them.

Shri vaidyanathaya Ashtakam

FRIDAY

27 May 2022

Shri vaidyanathaya Ashtakam: The Divine HYMN

The unification of body, mind, and soul is the eventual stage of the well-being of an individual. Whatever the body goes through, it clearly impacts the mind and the soul.

The Vaidyanathan Ashtakam is framed in a simple way explaining divine qualities and God’s affection towards the needy.

Sri Vaidyanathan Ashtakam is a beautiful Hymn Composed by Sri Adi Shankara devoted to Lord Shiva, who is known as Vaidyanathan. Lord Shiva is considered as the king among physicians (Lord Vaidyanathan) and many people pray to him for curing serious illness/disease when they or their family members are affected by it. Devotees who are desirous of getting cured of diseases should recite Shri Vaidyanathan Ashtakam thrice a day. 

श्रीवैद्यनाथाष्टकम्

Shri vaidyanathaya Ashtakam

श्रीराम सौमित्रि जटायुवॆद- षडाननादित्य कुजार्चिताय ।
श्री नीलकण्ठाय दयामयाय श्री वैद्यनाथाय नमः शिवाय ॥ १ ॥

Sree Rama soumithri Jatayu Veda,
Shadanadithya kujarchithya,
Sree neelakanthaya dayamayaya,
Sree vaidyanathaya Namah Shivaya.

I salute that God Shiva, who is the king among physicians, who is worshipped by Rama and Lakshmana, who is worshipped by Jatayu, who is worshipped by the Vedas, who is worshipped by Lord Subrahmanyam, who is worshipped by the Sun God, who is worshipped by the Mars God, who is having a blue neck, and who is the personification of mercy.

गंगाप्रवाहॆन्दु-जटाधराय त्रिलॊचनाय स्मरकालहन्त्रॆ ।
समस्त दॆवैरपि पूजिताय श्री वैद्यनाथाय नमः शिवाय ॥ २ ॥

Ganga pravahendu jata dharaya,
Trilochanaya smarakala hantre,
Samastah devairapi poojitaya,
Sree vaidyanathaya Namah Shivaya.

I salute that God Shiva, who is the king among physicians, who wears the flow of Ganges and the moon on his head, who has three eyes, who had killed the God of love and death,
And who is worshipped by all devas.

भक्तप्रियाय त्रिपुरान्तकाय पिनाकिनॆ दुष्टहराय नित्यम् ।
प्रत्यक्षलीलाय मनुष्यलॊकॆ श्री वैद्यनाथाय नमः शिवाय ॥ ३ ॥

Bhakta priyay, tripurantakaya,
Pinakine dushta haray nityam,
Prathyaksheelaya manushya loke,
Sree vaidyanathaya Namah Shivaya.

I salute that God Shiva, who is the king among physicians, who is the lover of his devotees, who has destroyed the three cities, who holds the bow called Pinaki, who destroys bad people daily, and who plays in the world of humans.

प्रभूतवातादि समस्त रॊग- प्रणाशकर्त्रॆ मुनिवन्दिताय ।
प्रभाकरॆन्द्वग्निविलॊचनाय श्री वैद्यनाथाय नमः शिवाय ॥ ४ ॥

Prabhutha vatadi Samastah roga,
Pranasha kartre Muṇi vandititaya,
Prabhakarendra vagni vilochanaya,
Sri vaidyanathaya Namah Shivaya.

I salute that God Shiva, who is the king among physicians, who cures all great diseases like rheumatism and arthritis, who is saluted by great sages, and to whom, the Sun god, Moon and God of fire are eyes.

वाक्श्रॊत्रनॆत्राङ्घ्रिविहीनजन्तॊः वाक्श्रॊत्रनॆत्राङ्घ्रिमुखप्रदाय ।
कुष्ठादिसर्वॊन्नतरॊगहन्त्रॆ श्री वैद्यनाथाय नमः शिवाय ॥ ५ ॥

Vakashronetranghrivihin Janto,
Vakashronetranghrimukha pradaya,
Kushthadi sarvonnahant roga hantre,
Sri Vaidyanathaya Namah Shivaya.

I salute that God Shiva, who is the king among physicians, who blesses those beings who have lost their speech, hearing, sight and ability to walk, with these abilities and who provides cure for devastating diseases like leprosy.

वॆदान्तवॆद्याय जगन्मयाय यॊगीश्वरध्यॆयपदांबुजाय ।
त्रिमूर्तिरूपाय सहस्रनाम्नॆ श्री वैद्यनाथाय नमः शिवाय ॥ ६ ॥

Vedanta vedyay jagan mayaya,
Yogishwara dhyeya Padambujaya,
Trimurty roopay sahastranamne,
Sri vaidyanathaya Namah Shivaya.

I salute that God Shiva, who is the king among physicians, who can be known through Vedanta, who is spread throughout the universe, who has a lotus foot that is meditated upon by great sages, who is of the form of the holy trinity and who has thousand names.

स्वतीर्थ मृत् भस्मभृदंगभाजां पिशाचदुःखार्तिभयापहाय ।
आत्म स्वरूपाय शरीरभाजां श्री वैद्यनाथाय नमः शिवाय ॥ ७ ॥

Swateertha mrat bhasm bradang bhajam,
Pishach dukhaarti bhayapahaya,
Athma Swaroopaya shareer bhajam,
Sri Vaidyanathaya Namah Shivaya.

I salute that God Shiva, who is the king among physicians, who removes all sufferings Caused by bad spirits, sorrows and fears by dip in his holy tank, by the holy ash in the temple, and by the mud below the Neem tree of the temple, and who is the personification of soul, Occupying human body.

श्री नीलकण्ठाय वृषध्वजाय स्रग्गन्धभस्माद्यपिशॊभिताय ।
सुपुत्र दारादि सुभाग्यदाय श्री वैद्यनाथाय नमः शिवाय ॥ ८ ॥

Sree neelakanthaya vrishabadwajaya,
Sragganda basmadyapi shobitaya,
Suputra daraadi subhagyadaya,
Sri vaidyanathaya Namah Shivaya.

I salute that God Shiva, who is the king among physicians, who has a blue neck, who has the bull on his flag, who shines by flowers, sacred ash and sandal, who grants good children and good wife and who blesses us with all good luck.

वालाम्बिकेश वैद्येश भवरोगहरेति च।
जपेन्नामत्रयं नित्यं महारोगनिवारणम्॥९॥

Balambikesh vaidyesh bhavroga hareti cha,
Japen namantrayam nityam maha roga nivaranam.

Those who recite this prayer thrice a day with devotion and pray the Lord vaidyanathaya, who is with his consort Balambika, and who removes the fear of birth and death would get cured of all great diseases.

|| इति श्री वैद्यनाथाष्टकम् ||

Iti Shri Vaidyanathan Ashtakam

Thus completes Shri Vaidyanathan Ashtakam.

 “मननात् त्रायते इति मन्त्र: “.

#राम नाम ही क्यों ?

SUNDAY

23 May 2022

राम नाम महिमा।।

राम नाम ही क्यों ?

जब सेतु तैयार हो रहा था तो प्रभु राम ने सोचा की में भी एक पत्थर तेरा कर देखता हूँ . जैसे ही उन्होंने पत्थर को पानी में छोड़ा वो पत्थर डूब गया. प्रभु बहुत परेशान हुए . हनुमान जी ये सब देख रहे थे उन्होंने प्रभु की परेशानी को समझा और कहा की प्रभु परेशान ना होइए . सीधी सी बात है की भवसागर तो वोही पार कर सकता है जिसे आपका साथ मिले, जब आपने ही साथ छोड़ दिया तो वो तो डूबेगा ही . ये थी राम जी और राम नाम की महत्ता।।

वाल्मीकि ने सौ करोड़ श्लोकों की रामायण बनाई , तो सौ करोड़ श्लोकों की रामायण को भगवान शंकर के आगे रख दिया जो सदैव राम नाम जपते रहते हैं . उन्होनें उसका उपदेश पार्वती को दिया . शंकर ने रामायण के तीन विभाग कर त्रिलोक में बाँट दिया . तीन लोकों को तैंतीस - तैंतीस करोड़ दिए तो एक करोड़ बच गया . उसके भी तीन टुकड़े किए तो एक लाख बच गया उसके भी तीन टुकड़े किये तो एक हज़ार बच और उस एक हज़ार के भी तीन भाग किये तो सौ बच गया . उसके भी तीन भाग किए एक श्लोक बच गया . इस प्रकार एक करोड़ श्लोकों वाली रामायण के तीन भाग करते करते एक अनुष्टुप श्लोक बचा रह गया . एक अनुष्टुप छंद के श्लोक में बत्तीस अक्षर होते हैं उसमें दस - दस करके तीनों को दे दिए तो अंत में दो ही अक्षर बचे भगवान् शंकर ने यह दो अक्षर रा और म आपने पास रख लिए . राम अक्षर में ही पूरी रामायण है , पूरा शास्त्र है .

श्रीराम नाम वंदन एवं राम नाम महिमा

१ यह तारक मंत्र हैं।
२ यह सहज, सरल है।
३ यह स्वयं सिद्ध मंत्र हैं।
४ इस को किसी भी गुरु से लेना अनिवार्य नहीं है।
५ इस को आधा अधुरा उल्टा सीधा कैसे भी जप लो।
६ इस मंत्र का लेखक जापक, अहं रहित अवस्था को उपलब्ध हो जाता हैं।
७ बिन प्रयास सागर तरहीं। भव पार होने के लिये और कोई प्रयास नहीं करना होता हैं।
८ राम' इस नाम मंत्र को जप कर जान लेने वाला स्वयं ही राम हो जाता हैं।
९ इस नाम के लिखने मात्र से जड पत्थर तैर गये तो चेतन जीवों का तिरजाना तो और भी सहज हैं।
१०- भगवान शिव भी जब किसी को मुक्त करते हैं,तो उनको भी राम नाम का ही उपदेश करना पड़ता हैं।
११- यह मात्र नाम ही नहीं हैं, बल्कि यह महा वाक्य भी हैं,और महामंत्र भी।
१२- जगत में किये गये किसी भी कठोरतर अपराध का प्रायश्चित शंकर शतनाम से होजाता हैं, शंकर के प्रति किये गये अपराध का प्रायश्चित रामनामाकंन से होजाता हैं। परन्तु रामनाम के प्रति किये गये हल्के से अपराध का ,कोई भी प्रायश्चित हो सकता होगा तो मात्र रामनामाकंन से ही संभव हैं। अंकित रामनाम की प्रदक्षिणा से संभव हैं,
और कोई भी उपाय,साधन,या अनुष्ठान जासु हैं। उदाहरण, पापों के प्रायश्चित हेतु, उपदेश दिया
।।जपहु जाय संकर सत नामा।।
शंकर जी को उपदेश दिया कि, जो आपकी शरण आजाये ,उसे ,राम, नाम का उपदेश करो, और जिसे आप राम नाम का उपदेश करोगे , वो भव तरेगा ही।

रामेति नाम यच्छोत्रे विश्रम्भादागतं यदि। करोति पापसंदाहं तूलं बहिकणो यथा।।

अर्थात् जिसके कानों में राम यह नाम अकस्मात् भी पड जाता है, उसके पापों को वह वैसे ही जला देता है, जैसे अग्नि को चिंगारी रूई को। पद्मपुराण में यह भी लिखा है

• अगर स्वास्थ्य से जुड़ी समस्या है तो रोज सुबह-शाम 'राम' नाम का 108 बार जप करने से आराम होता है.

• विवाह संबंधी समस्याएं दूर करने के लिए 'रमापति' शब्द का जप किया जाता है.

• नौकरी या रोजगार संबंधी समस्याएं दूर करने के लिए 'अवधेश' शब्द का जप किया जाता है.

• संतान प्राप्ति या संतान की उन्नति के लिए 'कौशलनंदन' शब्द का जप और भगवान श्रीराम के बाल रूप का ध्यान किया जाता है.

• शिक्षा संबंधी समस्याओं या शिक्षा में सफलता के लिए 'रघुनाथ' शब्द का जप किया जाता है. 

• कहते हैं कि अगर छोटे-छोटे बच्चे जो बोलना भी नहीं जानते, उनके सामने रोजाना 'रघुनाथ' शब्द का जप किया जाए, तो उन बच्चों की याददाश्त तेज होती है और वे बुद्धिमान बनते हैं.

अब जरा सोचिए कि जिनके नाम की ही इतनी महिमा है, उनकी महिमा तो कितनी होगी. इसीलिए तो बड़े-बड़े तपस्वी, महायोगी, ऋषि-मुनि आदि सभी श्रीराम जी के नाम का जप करते रहते हैं. कई अनुभवी लोगों का ये कहना है कि अगर आपके मन में श्रीराम जी सदा निवास करते हैं, आप कोई भी कार्य करने से पहले श्रीराम जी का ही ध्यान करते हैं, तो श्रीराम जी हर संकट में आपके साथ बने रहते हैं, साथ ही किसी न किसी रूप में आकर आपको एक बार दर्शन जरूर देते हैं. “न जाने कौन से गुण पर दयानिधि रीझ जाते हैं

राम नाम मंत्र बहुत छोटा है  लेकिन इसमें छिपी हुई शक्ति बहुत बड़ी है बस जिसे हमें पहचानने की ज़रूरत है। 

इन मंत्र का नियमित रूप से जाप करने से हम अचानक आने वाली दुख और परेशानियों से बच सकते हैं। बस जरूरत है इसे विशवास के साथ करने की।