Tuesday, August 28, 2012

Let it reach the 110 Crores Indians and the remaining if any. Kindly, share this valuable information wherever possible.


 
 Please don't delete this without forwarding.
Let it reach the 110 Crores Indians and the remaining if any. Kindly, share this valuable information wherever possible.


1. If you see children Begging anywhere in INDIA , please contact: 
"RED SOCIETY" at             9940217816      . They will help the children for their studies. 


2. 
Where you can search for any BLOOD GROUP, you will get thousand's of donor address.www.friendstosupport. org

3. 
Engineering Students can register inwww.campuscouncil. com to attend Off Campus for 40 Companies. 

4. 
Free Education and Free hostel for Handicapped/Physically Challenged children. 
Contact:-             09842062501       &0989406 7506.


5. 
If anyone met with fire accident or people born with problems in their ear, nose and mouth can get free PLASTIC SURGERY done by Kodaikanal PASAM Hospital .Everything is free. Contact : 045420-240668,245732 
"Helping Hands are Better than Praying Lips" 


6. 
If you find any important documents like Driving license, Ration card, Passport, Bank Pass Book, etc., missed by someone, simply put them into any near by Post Boxes. They will automatically reach the owner and Fine will be collected from them. 

7. By the next 10 months, our earth will become 4 degrees hotter than what it is now. Our Himalayan glaciers are melting at rapid rate. So let all of us lend our hands to fight GLOBAL WARMING.
-Plant more Trees. 
-Don't waste Water & Electricity. 
-Don't use or burn Plastics 


8. It costs 38 Trillion dollars to create OXYGEN for 6 months for all Human beings on earth. 
"TREES DO IT FOR FREE" 
"Respect them and Save them"
 

9. Special phone number for Eye bank and Eye donation:            04428281919       and 0 4428271616(Sankara Nethralaya Eye Bank). For More information about how to donate eyes plz visit these sites.
http://ruraleye.org/ 

10. Heart Surgery free of cost for children (0-10 yr) Sri Valli Baba Institute Banglore. 
      Contact :             09916737471       

11. 
Medicine for Blood Cancer!!!! 
'Imitinef Mercilet' is a medicine which cures blood cancer. It is available free of cost at "Adyar Cancer Institute in Chennai". Create Awareness. It might help someone.
Cancer Institute in Adyar, Chennai
Category: Cancer 
Address: 
East Canal Bank Road , Gandhi Nagar 
Adyar 
Chennai -600020 
Landmark: Near Michael School 
Phone:             044-24910754       044- 24910754 ,             044-24911526       044- 24911526 ,            044-22350241       044- 22350241 


12. 
Please CHECK WASTAGE OF FOOD 
If you have a function/party at your home in India and food gets wasted, don't hesitate to call 1098 (only in India ) - Its not a Joke, This is the number of Child helpline.
They will come and collect the food. Please circulate this message which can help feed many children.
AND LETS TRY TO HELP INDIA BE A BETTER PLACE TO LIVE IN 
Please Save Our Mother Nature for
"OUR FUTURE GENERATIONS" 


Please don't delete this without forwarding.
Let it reach the 110 Crores Indians and the remaining if any.





Attached Image
__._,_.__


.

__,_._,___


Wednesday, August 15, 2012

TWELVE JYOTIRLINGAS OF LORD SHIVA.



 
TWELVE JYOTIRLINGAS OF  LORD SHIVA
[1] Saurashtre Somanatham cha
[2] Sri Saile Mallikarjuna
[3] Ujjanyinyam Mahakalam
[4] Omkare Malamleshwara
[5] Paralyam Vaidyanatham cha
[6] Dakinyam Bhimashankara
[7] Sethu bande Ramesham
[8] Nagesham Darukavane
[9] Varanasyam cha Vishweshwam
[10] Tryambakam Gautameetate
[11] Himalaye to Kedaram
[12] Grishnesam cha Shivalaya
Etani Jyotirlingani Sanyam Pratah Pathe Nara
Sapta Janma Krutam Papam Smarena Vinashyati
This is the famous sloka given in the Shiva Purana describing the 12 jyotirlingas of Shiva.
In Hinduism, the Absolute is known as the Brahman and is formless and without attributes. But the human being has form and attributes so we need some form of the Absolute on which we can concentrate. The lingam which is a rounded, upright stone is used as a symbol of Shiva. Worship of the lingam is one of the most important aspects of the worship of Shiva. The word "lingam" actually means a sign or characteristic. So the Shiva lingam is a sign of Shiva and helps us to remember him in his formless aspect. The Shiva lingam is also considered to be the divine phallus, containing within it the seed of the universe. From it all life is created. Together with the yoni or seat on which it rests and which corresponds to the female vulva, the yoni-lingam represents the union of man and woman, Shiva and Shakti, the cosmic Spirit in union with the cosmic Prakriti, which brings everything into existence.
There are thousands of lingams all over India but some of them have a special importance. The most important of these are called jyotirlingas and they are twelve in number. As given in the sloka, their names are Somnatha, Mallikarjuna, Mahakala, Omkara, Kedara, Bhimshankara. Vishvanatha, Tryambaka, Vaidynatha, Nagesha, Rameswara and Ghushnesha. Most of these are supposed to be self formed or sprouted out of their own will. A few have been installed by human hands. Every Shiva worshipper dreams of doing a pilgrimage to all these twelve jyotirlingas at least once in his lifetime.
We will now take a tour of all of them in turn.
 
[1]  Somnatha Temple  [Saurashtre Somanatham cha]
Somnatha is the name of Shiva in the town of the same name situated in Prabhas Patan in Saurashtra in the state if Gujarat in India. Prabhas Patan is the place where the Yadava clan fought amongst themselves and came to an end as per Lord Krishna's wish.
Somnatha is connected with the story of Daksha's curse to Chandra or Soma who is the moon god in Hindu mythology. Daksha was one of the patriarchs and Soma was his son-in-law. However Daksha took a dislike of Soma and cursed him that he would wane away to nothing. Soma appealed to Lord Shiva to save him from this curse. Somnatha is the place where Soma prayed to Shiva. Shiva decreed that he would not wane away to nothing but would have only fourteen days of waning after which he would start waxing for the rest of the month.
[2] Mallikarjuna   [Sri Saile Mallikarjuna]
Mallikarjuna is the name of Shiva in the town of Sri Sailam near the town of Kurnool in the state of Andhra Pradesh in South India. The temple is rich in carvings and architectural wealth. Adi Shankara is supposed to have composed his great poem called "Shivananda Lahari" at this temple. The legend concerning this temple is connected with Karthikeya, the son of Shiva. He had left Kailasa and gone to stay on a hill in south India. Parvati was bereft at the departure of her son and begged Shiva to take her there. Kartikeya refused to let them live on his own hill so Shiva and Parvati took up their residence on the hill at Sri Saila from which spot they could pay periodic visits to their beloved son. An interesting thing here is the sound of buzzing which seems to come from within the granite wall at the back of the temple. Bees are supposed to have made their home here but they have never harmed any of the devotees.
[3]  Mahakala [Ujjanyinyam Mahakalam]
Mahakaleshwar is situated in Madhya Pradesh in the ancient and historic town of Ujjain or Avanti. It is situated on the river Kshipra which is one of the four places in which the Kumbha Mela takes place. It is mentioned in the Bhagavad Purana as being the place where the famous rishi called Sandeepany had his gurukulam or institute of learning where all the princes of the land went for their education. In fact Lord Krishna and his brother Balarama also did their course of studies in this institution. The temple here is situated beside the cremation grounds and it is said that the ashes of this cremation ground is taken for puja in the temple. Shiva is the Lord of destruction and ashes from the burning ghat signify the ephemeral quality of life.
The legend goes that four Brahmin brother were great devotees of Lord Shiva and used to worship him daily at that spot. However a demon wanted to put an end to their worship and went to kill them. The brothers were confident that their Lord would protect them and continued their worship undaunted. Suddenly the lingam burst open with a tremendous sound and Shiva leapt out brandishing the weapons of destruction. His form was that of Mahakala or the great destroyer in the form of Time. The demon was burnt to ashes. The brothers begged Shiva to stay there forever and so he did.
[4] OMKARSHWARA [Omkare Malamleshwara]
Omkareshwara is situated on an island in the middle of the river Narmada in Madhya Pradesh. The Shiva is here is also known as Mamaleshwara. Once the celestial sage Narada had gone on a visit to the mountain known as Vindhya. The sage knew that the mountain was puffed up with pride so in his usual bantering fashion he told Vindhya that the mountain Sumeru was superior to it. Vindhya decided to become the equal of Sumeru and started doing tapasya to Lord Shiva. When Shiva revealed himself, Vindhya begged him to remain there all the time so that it would be the equal of Sumeru. Omkaresha is the place where Vindhya did tapasya.
[5] VAIDYANATHA [Paralyam Vaidyanatham cha]
The temple of Vaidyanatha is situated in the state of Bihar in the town of Deogarh. Ravana, the demon king of Lanka, was a great devotee of Shiva. He practiced intense tapasya in the Himalayas, but still Shiva failed to appear, So he made a fire and decided to sacrifice all his ten heads. He started throwing them one by one into the fire. After the ninth, Shiva appeared and asked him what he wanted. Ravana prayed for superhuman strength and the restoration of his nine heads. Only Shiva could grant such a boon for he was Vaidyanatha, the Lord of all physicians. Shiva also gave him a wonderful jyotirlinga and told him to take it straight to his capital city of Lanka. He warned him never to put it down. Ravana started back carrying the radiant lingam. The gods feared that if he took it to Lanka, he would indeed become invincible so they sent Ganesha to thwart him. Ganesha took the form of a young brahmachari and appeared before Ravana just as he felt a terrible urge to answer the call of nature. Ravana was forced to give the lingam to the boy who had so providentially appeared before him and warned him never to keep it down. Hardly had Ravana gone than Ganesha put the lingam down. When Ravana returned he found no trace of the boy and try as he would he was unable to budge the lingam which had become rooted to the spot! This is the lingam which is known as Vaidyanatha.
[6] BHIMSHANKAR TEMPLE [Dakinyam Bhimashankara]
Bhimshankara is situated in the Sahyadri hills of Maharashtra. The easiest way to go there is via Pune. This is the spot where Shiva is said to have destroyed the three demons known as Tripurasuras. The legend connected with this place has to do with one of the brothers of the demon known as Kumbhakarna who was a brother of Ravana, the demon king oof Lanka. His son was called Bhima. When he heard of the death of his father at the hands of Rama, he swore vengeance on all the devotees of Vishnu (Rama was an incarnation of Vishnu). His first target was the king called Kamarupa whom he captured and threw into a dungeon along with his wife. The couple started earnest prayers to Shiva to save them. When he heard this, Bhima rushed to the dungeon with upraised sword to kill him. At that moment Shiva split open the lingam and jumped out of it and killed the demon. The couple begged him to remain there and hence the lingam here is known as Bhimshankara.
[7]  Ramanatha Swamy Temple Rameshwaram [Sethu bande Ramesham]
The huge temple of Rameshwaram is situated on the island called Rameshwaran in the state of Tamilnadu. This spot is the closest bit of land in India to the island of Sri Lanka. Ravana, the demon king of Lanka had abducted Sita, the wife of Rama, king of Ayodhya and taken her to his island fortress. Rama came to rescue her but before he could cross the straits which separated the mainland from the island of Lanka, he made a lingam of Shiva and prayed to him to help him rescue his wife. Shiva appeared and blessed him with all success. Rama requested Shiva to stay in that spot forever. This is the lingam called Ramalingeswara and it is one of the most famous places of worship in India.
[8]  Nagesha Linga [Nagesham Darukavane]
The tenth jyotirlinga is known as Nagesha and is situated near the pilgrim city of Dwaraka in Gujarat. There was once a merchant who was a great devotee of Lord Shiva. During his travels he often had to cross a forest which was inhabited by a demoness called Daruka who kept harassing him. He begged Shiva to help him. Shiva came with his snakes or "nagas" and drove Daruka away. Daruka worshipped Parvati who gave her another forest to roam about without troubling anybody. The lingam which was worshipped by the merchant came to be known as Nageshwara, Lord of serpents. Parvati also took up residence here and is known as Nageshwari. His Holiness Sri Ganapathi Sachchidananda Swamiji of Mysore worshiping
[9]   Vishvanatha temple [Varanasyam cha Vishweshwam]
Vishvanatha temple is situated on the banks of the holy river Ganga in Varanasi in the state of Uttar Pradesh. It is the most famous temple of Shiva in India and attracts thousands of pilgrims every year. The famous Manikaran ghat is the place where countless Hindus have been cremated. The fires of cremation have never been extinguished here since time immemorial since dead bodies are being constantly brought there. Anyone who sits for a few minutes at this ghat will realize the transitory quality of life and start looking deeper into the meaning of life. The creator Brahma himself is supposed to have done tapasya in this spot. It is said that Varanasi will not be destroyed even at the time of the great deluge when the rest of the world goes into dissolution. Shiva will raise the city on the point of his trident and protect it while destruction rages all around.
There is another story connected with this city. Once Shiva and Parvati had gone to the world of Brahma. He began reciting hymns through all his five mouths in praise of Shiva. But one of the mouths was making mistakes and so Shiva, who was a perfectionist where music was concerned, plucked off the head which was making mistakes. But since this was a great crime, Shiva found that he could not shake off the head which had stuck to his back. For many years he went round with the head on his back. It was only when he went to the holy city of Varanasi that the head fell off. So Shiva decided that he would stay there in the form of a lingam. This lingam is called Vishwanatha or the Lord of the universe. The first humans to worship there were Swaymbhu Manu and his wife Shatarupa who were the first couple to be created by Brahma.
[10]  Tryambakeshwara  [Tryambakam Gautameethate]
Tryambakeshwara is situated on the banks of the Godavari River. In fact the river has its origin on a hill above the temple. The temple is about ninety kilometers from the pilgrim city of Nasik in the state of Maharashtra. The place is associated with the sage Gautama and his wife Ahalya. They had prayed to Shiva for a long time. At last the Lord appeared and asked them to choose a boon. He begged Shiva to allow the Ganga to flow beside his hermitage so that he could bathe in her purifying waters and expiate for his sin in having killed a cow by accident. Shiva granted the boon. However Ganga insisted that she would go there only if Shiva took up his residence there. This was agreed upon and Shiva stayed there in the form of a lingam. Ganga flowed beside him and took the name Godavari. To reach the source of the Godavari one has to climb some hazardous steps up the mountain near the temple. The steps lead you to a small shrine where water gushes out of a stone cow's mouth. One can also trek up the mountain to the top where the river actually has her source.
[11]  Kedarnatha  [Himalaye to Kedaram]
Kedarnatha is the northernmost of the jyotirlingas and nestles in the snow clad Himalayas. It is snow bound for six months of the year and opens only from May to October. The last twelve kilometers of the journey to Kedarnatha has to be made on foot or pony. During the last part of their sojourn on earth the five Pandavas (heroes of the Mahabharata war) and their wife, Draupadi proceeded to the place in the Himalayas known as Kedarkanda. They went in search of their favourite deity, Shiva. They thought they saw him and gave chase but they were unable to catch him. Very soon they were joined by a wild looking dog and a noble buffalo. They came to realize that the buffalo was none other than their favourite deity. Once again they tried to catch it but it ran away. The Pandavas chased the buffalo and at last each of the brothers managed to catch one part of the animal. To their consternation it came apart into five pieces in their hands. They threw the pieces far and wide. Those spots where the pieces fell came to be known as the panch Kedars or the five Kedars and are important pilgrim spots in the Himalayas. The hump of the buffalo fell at a most auspicious spot and came to be known as Kedarnatha. The lingam at Kedarnatha is in the shape of the hump of a buffalo.
[12]  Grishneswara [Grishnesam cha Shivalaya]
Grishneswara is the twelfth and last of the jyotirlingas. It is situated close to the famous caves of Ellora. Once there was a Brahmin called Sudharma who had a wife called Sudeha. They had no children and so his wife asked him to marry her niece, Ghrishna in order to get a son. She was a great devotee of Lord Shiva and she made a vow that she would make one hundred and one lingams of Shiva daily and worship them. At the end of her puja she would immerse the lingams in the pond near by. After having completed one lakh of pujas she conceived and got a lovely baby boy. As can be expected her aunt's nature changed with the birth of the child and one day she killed the baby and threw the body into the pond in which the lingams were immersed. Next morning Ghrishna got up and started her daily ritual of worshipping Shiva. She refused to be distracted even when her husband announced the disappearance of the baby. At the end of her puja, Shiva who was pleased with her devotion restored the baby to her. When he raised his trident to kill her aunt, Ghrishna begged him to spare her life and asked for the boon that he would stay near the pond in the form of a lingam. He agreed and this lingam is known as Grishneswara.
Devotees of Shiva consider it to be a rare good fortune to be able to make a visit to all the twelve jyotirlingas in one lifetime.
                                   Aum Namashivaya
 
Hemang Trivedi


Also see the attachment



Tuesday, January 17, 2012

Home Loan in Joint Names - Advantage / disadvantage

Home loan in Joint Names â€" Tax and other Benefits
One of the most attractive benefits of taking a home loan is that they help you save tax, while you prepare to invest in a fixed asset. Acquiring a home loan makes you eligible for tax rebates under Section 80C and Section 24 of the Income tax regulations.
Highlights
  • Tax benefits get divided among co-applicants in case of a joint loan
  • The division takes place in the same proportion in which the asset is owned by each co-applicant
  • Each co-applicant can claim a maximum tax rebate of up to Rs.. 1 lakh for principal repayment and Rs. 1.5 lakh for interest payment
  • The very first condition is the house property has to be bought by the individuals jointly, and this should be in their joint names.
  • The share of each holder should be clearly mentioned so that there is absolute clarity on the percentage ownership of each co-owner.
Tax benefits of Home Loan- Overall there are two types of tax benefits that are available on the repayment of a housing loan.
  1. Interest paid on the loan is eligible for a deduction up to Rs. 1.5 lakh per annum from the taxable income of the individual under Sec 24 when the property is self-occupied or it is one ownership property lying vacant.
  2. The return of the capital of the loan along with the interest up to Rs. 1 lakh is included in the benefit under Sec 80C.
The planning in the entire issue has to be done in such a manner that all the joint holders are able to take the tax benefit and no part of the total repayment goes waste.
Advantage for joint home loan takers-
Tax benefit
Joint holders can claim the maximum tax benefits individually. This means each holder can get a tax rebate of Rs. 1 lakh for principal repayment under Sec 80C and Rs. 1.5 lakh for interest payment under Sec 24.
The tax benefits are applied according to the proportion of the loan taken by everyone involved in the joint loan. For e.g. if the ratio of ownership is 70%:30% then the loan amount of 50  lakh will be split as 35 lakh and 15 lakh respectively and interest/principal applicable to the respective amounts will be taken into account for each individual taking the loan. For claiming your tax, it is best to procure  a home sharing agreement, detailing the ownership proportion in a stamp paper, as legal proof for ownership.
To get the best out of the tax savings, it is good to let the partner with the higher pay make a higher contribution towards the home loan resulting in a better tax benefit collectively. In the case of an earning couple, this would make most sense as other expenses can be manged with the income of the person making a lesser share towards the loan. This would help you optimize the benefits from the tax exemption on principal and interest repaid.
Increased Loan Amount Eligibility
If more than one person takes a home loan then income of all the co-owners will be considered by the lenders. This can help increase the siaze of the loan. In this case, the bank combines the incomes of both the applicants, and thus, can sanction a proportionately higher loan amount. Buying a house jointly facilitates a larger loan as income of all the co-owners would be considered by the lenders.
Additional benefits:
  • In many states, a lower  property registration fee is levied in case the property is owned by women either individually or jointly.
  • If husband and wife jointly own a property reduces the succession issues.
So taking a joint home loan has the significant twin benefit of increasing your loan eligibility and maximizing your tax rebate. There is one rule banks insist on when you apply for a joint home loan, which is that all co-owners of the property should also be co-applicants but the reverse need not be true.
Under construction house- Another aspect that needs to be remembered is if you are buying a house under construction that you can claim tax benefits only after the construction of the house is completed.
Joint structure- The term ‘joint benefit’ in a housing loan refers to a situation where more than one person takes and repays a home loan. Here, the co-applicants are family members, which include husband and wife or father and son or father and daughter or mother and son or mother and daughter as the case may be. In such a situation, tax benefits have to be divided between all co-applicants and hence known as joint benefits.
Joint account â€" The repayment of a joint loan has to be made from a joint account owned by the co-applicants. Each of them needs to contribute his/her share to the account. But there are times when this is not possible and in case the payment is being made from just one person’s account then there has to be a method whereby the other individual is contributing his/her share. This will ensure that the benefits are also available in an adequate manner and that there are conditions that are being fulfilled in the process.
Considering New Direct Tax Code- New borrowers need to keep an eye out for developments in the housing loan sector. While planning any housing loan benefit, they have to keep in mind the conditions mentioned in the New Direct Tax Code. This code, coming into effect from April 2011, eliminates the benefit of a housing loan. This means that if the code is passed in its present format, both the benefits on interest payment as well as capital repayment will not be available to co-applicants.
Disadvantage of a home loan in joint names
1.  If you buy another house in future then as per Income Tax Act if a person has more than one house in his name, one of them will be treated as self-occupied, and another will be treated as let-out â€" even if it is not actually let out on rent. You would need to pay income tax on the rent received if this second house is actually rented out. But if it is not rented out, it is deemed as rented out, and you would have to pay income tax on an amount that you would have received as rent as per prevailing market rates.
2. You have to pay  wealth tax  on one of your house. As per Wealth tax Act only one house is exempt from Wealth Tax. You have to pay tax  on one of the house of your choice but you can deduct loan amount against the house for which you taken loan while calculating taxable wealth.
When one should take Home Loan in Joint names:-  Take the home loan in joint names
  • If you need a higher loan amount then your eligibility in Individual capacity
  • The income tax savings by opting for a joint loan is significantly higher than a single-name loan
When one should take Home Loan in single names  -
  • You have enough loan eligibility as single applicant
  • The income tax savings by opting for a joint loan is not significantly higher than a single-name loan
  • You plan to purchase another house in near future

Saturday, December 17, 2011

MOTHERHOOD:LOVE AND SEX FOR A MAN;

 
MOTHERHOOD:
LOVE AND SEX FOR A MAN;
By natural instinct, a man seeks a woman to gratify his sexuality.
A man toils day and night and pays highest price by way of surrendering the male ego to keep his spouse clinging to him to gratify his insatiable sexuality.
In the later years of life with aging an oldy becomes the most obedient servant to Her Majesty. In the game of love and sex,
a man is alway...s a looser to earn pride and peace.
LOVE AND SEX FOR A WOMAN;
The natural instinct for procreation is the driving force for a woman to play the most playful game of love and sex to get conceived and attain the subtle and transcendental mental state of
 'Motherhood' (Matratava- मातृत्त्व्).
After the birth of progeny, a woman needs a man to provide security, food and shelter to her and her off springs.
In her later years of life, a woman feels the necessity of a man for companionship and care.
During the whole span of life of a woman, the sex is and had been secondary and love primary to her.
The primary desire of a woman is tender love.
A woman utilizes her body sensuality very wisely and judiciously to get love and offers sex in return.
This pleasurable and most enjoyable game of love and sex fulfils her materialistic demands and desires.
In this game of sensuality and sexuality a woman is always the winner with pride and contentment within.
HARE KRISHNA!
 
- Mohan Lal Agrawal

Tuesday, December 6, 2011

panditji




    
 
|| Download Center ||
 
    
 
Preparation Guidelines & Samagri (Material) List
For Preparation guidelines & Samagri List for all other Pooja/Vidhi send me email.
 
  
Prarthana - Prayer
Stotra

Website designed, developed & maintained by Panditji himself