Tuesday, July 06, 2021

Audible - Corona False Alarm ?

 
The above book is an international best seller. Dr Reiss & Dr Bhakdi have varied expertise as MD, Microbiologist, professor etc.  The summary of the book is
1. No doubt Corona is a virus that is contagious and is affecting human life.
2. But the governments and the main line media had too much of voice and went about doing all acts that were unnecessary and the effect of economy is much more a serious problem than corona itself.
3. They keep telling all through the book that lockdown   could have been avoided. Many countries like iceland, Sweden, Hong Kong, South Korea and even Japan (as per the book) were transparent, kept the citizens aware of the disease and went about the business with out stringent lockdown measures and the number of cases reported and deaths are not too very different from countries that had stricter lockdown measures.
4. There had been no effective vaccines for flu and so extending the same to Corona too as the virus keeps mutating there is no real vaccine available and people are being vaccinated with out telling them the future impacts.
5. Similar cases of swine flu vaccines have rendered many with brain disease.
6. Countries like Germany ЁЯЗйЁЯЗк that have prudently stopped GMO produce are now vaccinating humans with Gene ЁЯзм modified vaccines. Which is ridiculous foolish as per the authors.
......

Tuesday, June 15, 2021

The last four engines of prakritimayay

 The last 4 engines if prakriti mayay that pathi has given to pasu to help pasu realise truth are

1. Manasu - helps decipher / understand

2. Puthi - helps know good or bad

3. Ahankaram - helps seek what is in it for me

4. Sitham - un sullied memory. According to avvaiyar god is shown / seen in Sitham ( роЪிрод்род்род்родிрой் роЙро│்ро│ே роЪிро╡ро▓ிроЩ்роХроо் роХாроЯ்роЯி )

When one is able to have mastery over the 20 + 4 engines it is said G


Wednesday, March 31, 2021

The roles micro nutrients play in your life.

Not just physical health, as physical health has direct relationship with mental health, scaling high in academics, sports , career and in spiritual wellbeing, just as macro nutrients (Carbohydrates, Protein & Fat), micro nutrients play a major role. A continuous intake of Celery and Parsley juice will show you the immediate result after consumption of these juices. 

I have seen my confidence levels going up. Apart from the physical  improvement I see over a period. 

Friday, January 22, 2021

Seed activation - Food posts

 

Seeds and nuts are designed by nature to sprout into trees / plants. Inorder to preserve them from insects and worms nature had provided them with a layer of toxins,  so that insects and worms do not eat them away when they are in the soil to germinate. Seeds and nuts hold lots of essential nutrients that the human body needs. While seeds can be had to augment body’s nutrient requirements, they need to be activated to increase their bio availability. The above chart gives time required to make the seeds / nuts be more bioavailable. If you are interested in knowing the time needed for groundnut / peanut ЁЯеЬ it is 6 to 8 hours soaking in water to make them more bioavailable . This soaking also removes the pitham in groundnuts. Enjoy!!  Click hear to know the soaking time for various nuts and seeds (as recommended by Food Matters) https://drive.google.coM/file/d/1xKmdBbPjkplW9o6GXnkR46G0Lh0o7iBK/view?usp=drivesdk 

Monday, January 18, 2021

Eat this ... Not that ЁЯШГ


If one is confused as to what to eat and what to stay away from here is the guideline https://drive.google.com/file/d/12a5Igsat9E46dbGzs-XYBlvVngc_qWw-/view?usp=drivesdk 

Food additives to avoid

 




While detoxing is trending people are not fully aware of the root cause of the toxicity in the body. It is the food that we take infested with factory made chemicals that the body does not know how to process and eject out accumulate as toxins in the body. Some of the food additives to avoid in food are here https://drive.google.com/file/d/1GEACOUZzvEVwV70KlEwThARTPN-cG3hO/view?usp=drivesdk 

Saturday, January 09, 2021

Gist of Saiva Siddhantham - As understood by Gowrisankar Namasivayam

What ever I could gather on Saiva Siddhantham due to my several years of listening to Thirumanthiram discourse by Sivakumar Ayya in Youtube and CD recordings and discussions with my dad and mom who had told and discussed many a spiritual aspects from time to time from my childhood. 

Unlike Vedhantam Saiva Siddhantham believes in Duality.

Saiva Sidhantham 

Some of the seilient points of Saiva Sidhantham are

1.  No one knows the genesis of  those 3 things that were the only things that existed at the start of the universe. They are as follows      

     A) Pathi

     B) Pasu

     C) Pasam

     Pathi (the almighty) is knowledgable and is the one that knows all by itself.

     Pasu (the athma) is knowledgable but only if the almighty (pathi) helps.

     Pasam (desire) is not knowledgable at all. It is inanimate. 

2.  After seeing the sufferings of atma (due to its preoccupation with desire), pathi decides to help atma realize the truth, so that atma can come out of its sufferings and attain blissful state. In order to educate and make atma realize the truth, pathi decides to provide atma with necessary engines, so that atma uses these engines to realize the highest truth, that being in unison with pathi is the one and only salvation, to tide over the sufferings and ultimately come out of the birth cycle and attain mukthi.

3. There are 36 thatvas (engines) that pathi provides athma to experience the truth.

4. The 36 thatvas, bottom up are as follows

    1 - 5 - the punja boothas 

         1. Earth, 2. Water, 3. Fire, 4. Air, 5. Space

    6 - 10 - thanmathirai

          1. Smell, 2. Taste, 3. Sight, 4. Sense of touch, 5. Sound

    11 - 15 - gnanenthrium

          1. Nose, 2. Tounge, 3. Eyes, 4. Skin, 5. Ears

     16 - 20 - karmenthrium

          1. Hands, 2. Legs, 3. Ability to speak, 4. Excretion outlet, 5. Reproductive outlet.

      21 Manasu

      22 Budhi

      23 Ahankaram

      24 Sitham

      The above 24 thatvams of overall 36 thatvams is called / are from prakritimayay.

      The 7 asudhamayay thatvams are as follows

       0. Mayay

       1. Kalai (gnanam)

       2. Vithai (kriyay) ро╡ிрод்родை 

       3. Passion (itchai)

       4. Time (neeram)

       5. Space (neyathi)

       6. Purudan (above 1-5 is called panjakanjugam ( dress ) for athma, panjakanjugam + athma is called purudan.

         The 5 Sudha thatvams are as follows top down

       1. Sadhasivan

       2. Maheswaran

       3. Ruthiran

       4. Vishnu

       5. Brahma

       All the above 5 are all various status of atma, but due to their mastery / control over the prakritimayay & Asudhamayay have entered into Sudhamayay. Every Atma has the potential to raise upto Sudha thatvas.

Some exponents have included 2 more elements to 5 Sudha thatvam    1. Parasivam(Natham), 2. Parasakthi(Vinthu).

5. Above all 36 thatvam is Paraparasivam in Paraveli 

6. How to cross all the 36 thatvams and attain mukthi ?

    By having control over the 24 prakritimayay one enters the Asudhamayay. -Read Seerkazhi Sitrambalanadigal's "Thugalaru Bodham" vurai for more details

    One's gnana guru appears when one crosses prakritimayay and one enters Asudhamayay, to redeem the athma from Karma and ego(anavam).

7. As one crosses each thatvam the atma attains (super)natural powers. Saivam insists not to get diverted when attaining such powers as they might delay the attainment of Mukthi. During the exercise (Sadhana) to help cross the thatvas, There are stages when ones ego might make one feel he/she is the god. One need to be cautious of the same and should always have in mind that atma has no knowledge unless the knower(almighty) lets the atma know and realise truth.

8. Even after attaining mukthi atma should realise that it is because of the knower that the atma is enjoying the bliss.

As you can see from the above that Saivam is in support of duality unlike Advaitam that proposes atma  when refined it becomes paramatma or the god. But Saivam always says that the atma can only reach to the Knower(god) and can never become God. Saiva Siddhanta(m) believes in Duality. The basic premise being if we are one and the same as the creator we would not be messing with us and world like we have been doing. Saiva siddhanta(m) begins saying Pathy,Pasu,Pasam were the three things that existed for eons. Pathy is lord(paramatma) , Pasu is atma & Pasam is love. Paramatma and atma understand(know things). While paramatma is eternaly knowledgeable, atma needs guidance. Atma understands only when shown(explained). Paramatma after seeing the pains that atma undergoes decides to help atma to overcome the pain. 

Saiva Siddhanta philosophy is based mainly on the Saiva Agamas. Vedas are considered to be of general nature and Agamas of special nature to Saivism. Saiva Siddhanta developed as a plausible philosophy in the Tamil land and is considered as the philosophy of the Tamils.

Authoritative texts in Saiva Sidhanta are the fourteen Meykanda Sastra books in Tamil. One of these is Sivagnanbodham which is the primary text in Saiva Siddhanta. The authors of these books are divine inspired saints.  

For a long time it was believed that Saiva religion, like other Indian religions, had its origin with the Vedas. The Mohenjadaro – Harappa excavations of the last century proved that Saivism and Siva worship existed before the Vedic period. Following words of Sir John Marshall testifies to this: 

‘Among the many revelations that Mohenjadaro and Harappa have in store for  us,  none perhaps is more remarkable than this discovery that Saivism has a history  going back to the chalcolithic age’ – John Marshall 

The Saiva religion and its philosophy are praised highly by scholars.

                 ‘Saivism is the oldest pre-historic religion of S. India’ – G.U.Pope 

                 ‘One of the most closely reasoned religious philosophies found anywhere in             

                  the world’. – John H. Piet

Sunday, October 25, 2020

My experiments with food - Morning miracle

This juice mix brings good positive vib to your mind and helps to maintain it throughout the day apart from other benefits like controls diabetic, enhances heart function, dissolves stones etc.

Cold press - Plantain Steam 2 inch + Beet root  1/2 + Cucumber  2 to 4 inch + Green apple 1/2  add a pinch of salt + pinch of pepper powder. Have it in empty stomach. 

Saturday, May 18, 2019

Shri Subhash Palekarji Natural Farming - Knowledge Share

After attending the Natural Farming workshop conducted by Shri Subhash Palekarji at Trichy SRM campus, I felt the need of a web site for sharing the NF techniques and hence this website. Thanks to all those who share their knowledge in the whatsapp groups, it is their relevant responses that I have published here and it is the sole responsibility of any person to try it cautiously on their own risk and respond back with feedback to benefit others interested in following SPNF.

Tuesday, October 24, 2017

A trip to Singapore

While my first foreign country visit was Singapore ( On my way to Chiang Mai - Thailand, to participate in the SAP user conclave 14th Oct 1995 to 21st Oct 1995 ), this was my first visit to Singapore with Kala & Shalini. For all practical purpose I would still call this one week 5th Jan to 12th Jan 2008 visit as the first Singapore visit as this visit was not official and was purely to see Sigapore.

Some of the photos that we took at Mustafa, Jurong bird sanctuary, Centosa Island - Dolphin show & Laser show

The highlight of the trip was the well connected Tube Train across Sigapore. Shalini learnt how to use the Tube Train optimally for us to go around Singapore during the week long stay. Our hotel, where we stayed was in a walk able distance from a tube station.

Sunday, June 26, 2016

Body timings

Body timings

ЁЯФ┤роироородு роЙроЯро▓், роТро╡்ро╡ொро░ு роЙроЯро▓் рокாроХрод்родிро▒்роХெрой родройிрод்родройிропே роХроЯிроХாро░род்родிрой் роЕро▓ாро░род்родை рооுрой்рокродிро╡ு роЪெроп்родு роХொ рог்роЯு
роЪுро┤рой்ро▒ு роХொрог்роЯிро░ுроХ்роХிро▒родு.

ЁЯФ┤роТро╡்ро╡ொро░ு роЙро▒ுрок்рокுроХ்роХுроо் роЕродрой் рокрогிропை роЪெроп்родு рооுроЯிроХ்роХ роЗро░рог்роЯு роорогி роиேро░роо் роТродுроХ்роХிропுро│்ро│родு. роЗро░рог்роЯு роорогி роиேро░роо் рооுроЯிрои்родродுроо் рооீрог்роЯுроо் роЕро▓ாро░род்родை роЕроЯுрод்род роЙро▒ுрок்рокுроХ்роХு рооாро▒்ро▒ி ро╡ிроЯுроХிро▒родு.

ЁЯФ┤ро╡ிроЯிропро▒்роХாро▓ை 3.00 роорогிрооுродро▓் 5.00 роорогிро╡ро░ை роиுро░ைропீро░ро▓ிрой் роиேро░роо். роЗрои்род роиேро░род்родிро▓் роЪுро╡ாроЪрок் рокропிро▒்роЪி роЪெроп்родு роХாро▒்ро▒ிрой் рооூро▓роо் ро╡ро░ுроо் рокிро░ாрог роЪроХ்родிропை роЙроЯро▓ுроХ்роХுро│் роЕродிроХрооாроХроЪ் роЪேроХро░ிрод்родாро▓் роЖропுро│் роиீроЯிроХ்роХுроо்.
родிропாройроо் роЪெроп்ропро╡ுроо் роПро▒்ро▒ роиேро░роо் роЗродு. роЖро╕்родுрооா роиோропாро│ிроХро│் роЗрои்род роиேро░род்родிро▓் рооிроХро╡ுроо் роЪிро░роорок்рокроЯுро╡ாро░்роХро│்.

ЁЯФ┤ро╡ிроЯிропро▒்роХாро▓ை 5.00 роорогிрооுродро▓் 7.00 роорогிро╡ро░ை рокெро░ுроЩ்роХுроЯро▓ிрой் роиேро░роо். роХாро▓ைроХ்роХроЯрой்роХро│ை роЗрои்род роиேро░род்родுроХ்роХுро│் рооுроЯிрод்родே родீро░ ро╡ேрог்роЯுроо் рооро▓роЪ்роЪிроХ்роХро▓் роЙро│்ро│ро╡ро░்роХро│் роЗрои்род роиேро░род்родிро▓் роОро┤ுрои்родு роХро┤ிро╡ро▒ைроХ்роХுроЪ் роЪெро▓்ро▓ுроо்
рокро┤роХ்роХрод்родை роПро▒்рокроЯுрод்родிроХ் роХொрог்роЯாро▓் роиாро│роЯைро╡ிро▓் рооро▓роЪ்роЪிроХ்роХро▓் родீро░ுроо்.роЙропிро░рогுроХ்роХро│ிрой் роОрог்рогிроХ்роХை рооிроХро╡ுроо் роЕродிроХрооாроХ роЙро│்ро│ роиேро░рооுроо் роХூроЯ роЗродுро╡ே.

ЁЯФ┤роХாро▓ை 7.00 роорогி рооுродро▓் 9.00 роорогி ро╡ро░ை ро╡ропிро▒்ро▒ிрой் роиேро░роо்.
роЗрои்род роиேро░род்родிро▓் роХро▓்ро▓ைрод் родிрой்ро▒ாро▓ுроо் ро╡ропிро▒ு роЕро░ைрод்родு ро╡ிроЯுроо். роХாро▓ை роЙрогро╡ை рокேро░ро░роЪрой் рокோро▓் роЙрог்рог ро╡ேрог்роЯுроо் роОрой்ро▒ு роЪொро▓்ро╡ாро░்роХро│். роЗрои்род роиேро░род்родிро▓் роЪாрок்рокிроЯுро╡родுродாрой் роирой்роХு роЪெро░ிрооாройрооாроХி роЙроЯро▓ிро▓் роТроЯ்роЯுроо்.

ЁЯФ┤роХாро▓ை 9.00 роорогிрооுродро▓் 11.00 роорогி ро╡ро░ை роорог்рогீро░ро▓ிрой் роиேро░роо்.
роХாро▓ைропிро▓் роЙрог்роЯроЙрогро╡ை роорог்рогீро░ро▓் роЪெро░ிрод்родு роКроЯ்роЯроЪ் роЪрод்родாроХро╡ுроо் ро░род்родрооாроХро╡ுроо் рооாро▒்ро▒ுроХிро▒ роиேро░роо் роЗродு. роЗрои்род роиேро░род்родிро▓் рокроЪ்роЪைрод் родрог்рогீро░் роХூроЯроХ் роХுроЯிроХ்роХроХ்роХூроЯாродு. роорог்рогீро░ро▓ிрой் роЪெро░ிрооாрой роЪроХ்родி рокாродிроХ்роХрок்рокроЯுроо்.
роиீро░ро┤ிро╡ு роиோропாро│ிроХро│ுроХ்роХு рооோроЪрооாрой роиேро░роо் роЗродு.

ЁЯФ┤рооுро▒்рокроХро▓் 11.00 роорогிрооுродро▓் рокிро▒்рокроХро▓் 1.00 роорогி ро╡ро░ை роЗродропрод்родிрой் роиேро░роо். роЗрои்родроиேро░род்родிро▓் роЕродிроХрооாроХрок் рокேроЪுродро▓், роЕродிроХрооாроХроХ் роХோрокрок்рокроЯுродро▓், роЕродிроХрооாроХрок் рокроЯрокроЯрод்родро▓் роХூроЯாродு. роЗродропроо் рокாродிроХ்роХрок்рокроЯுроо். роЗродроп роиோропாро│ிроХро│் рооிроХрооிроХ роОроЪ்роЪро░ிроХ்роХைропாроХ роЗро░ுроХ்роХ ро╡ேрог்роЯிроп роиேро░роо்.

ЁЯФ┤рокிро▒்рокроХро▓் 1.00 роорогிрооுродро▓் 3.00 роорогி ро╡ро░ை роЪிро▒ு роХுроЯро▓ிрой் роиேро░роо்.
роЗрои்род роиேро░род்родிро▓் рооிродрооாроХ роородிроп роЙрогро╡ை роЙроЯ்роХொрог்роЯு роЪро▒்ро▒ே роУроп்ро╡ெроЯுрок்рокродு роиро▓்ро▓родு.

ЁЯФ┤рокிро▒்рокроХро▓் 3.00 роорогி рооுродро▓் рооாро▓ை 5.00 роорогிро╡ро░ை роЪிро▒ுроиீро░்рок்рокைропிрой் роиேро░роо். роиீро░்роХ்роХро┤ிро╡ுроХро│ை ро╡ெро│ிропேро▒்ро▒ роЪிро▒рои்род роиேро░роо்.

ЁЯФ┤рооாро▓ை 5.00 роорогி рооுродро▓் 7.00 роорогி ро╡ро░ை роЪிро▒ுроиீро░роХроЩ்роХро│ிрой் роиேро░роо். рокроХро▓் роиேро░рокро░рокро░рок்рокிро▓ிро░ுрои்родு ро╡ிроЯுрокроЯ்роЯு роЕрооைродி рокெро▒, роОродிро░்роХாро▓род்родைрок் рокро▒்ро▒ி роЪிрои்родிроХ்роХ,родிропாройроо்роЪெроп்роп, ро╡ро┤ிрокாроЯுроХро│் роЪெроп்роп роЪிро▒рои்род роиேро░роо்.

ЁЯФ┤роЗро░ро╡ு 7.00 роорогி рооுродро▓் 9.00 роорогி ро╡ро░ை, рокெро░ிроХாро░்роЯிропрод்родிрой் роиேро░роо்.
рокெро░ிроХாро░்роЯிропроо்роОрой்рокродு роЗродропрод்родைроЪ் роЪுро▒்ро▒ி роЗро░ுроХ்роХுроо் роТро░ு роЬро╡்ро╡ு роЗродропрод்родிрой் Shock absorber. роЗро░ро╡ு роЙрогро╡ுроХ்роХு роЙроХрои்род роиேро░роо் роЗродு.

ЁЯФ┤роЗро░ро╡ு 9.00 роорогி рооுродро▓் 11.00 роорогி ро╡ро░ை, роЯிро░ிрок்рокிро│் роХீроЯ்роЯро░் роОрой்рокродு роТро░ு роЙро▒ுрок்рокро▓்ро▓.
роЙроЪ்роЪрои்родро▓ை рооுродро▓் роЕроЯி ро╡ропிро▒ு ро╡ро░ை роЙро│்ро│ рооூрой்ро▒ு рокроХுродிроХро│ை
роЗрогைроХ்роХுроо் рокாродை. роЗрои்род роиேро░род்родிро▓் роЙро▒роЩ்роХроЪ் роЪெро▓்ро╡родு роиро▓்ро▓родு.

ЁЯФ┤роЗро░ро╡ு 11.00 роорогி рооுродро▓் 1.00 роорогி ро╡ро░ை рокிрод்родрок்рокை роЗропроЩ்роХுроо் роиேро░роо். роЗрои்род роиேро░род்родிро▓்родூроЩ்роХாродு ро╡ிро┤ிрод்родிро░ுрои்родாро▓் рокிрод்родрок்рокை роЗропроХ்роХ роХுро▒ைрокாроЯு роПро▒்рокроЯுроо்.

ЁЯФ┤роЗро░ро╡ு 1.00 роорогி рооுродро▓் ро╡ிроЯிропро▒்роХாро▓ை 3.00 роорогி ро╡ро░ை роХро▓்ро▓ீро░ро▓ிрой் роиேро░роо். роЗрои்родроиேро░род்родிро▓் роиீроЩ்роХро│் роЙроЯ்роХாрои்родிро░ுроХ்роХро╡ோ ро╡ிро┤ிрод்родிро░ுроХ்роХро╡ோ роХூроЯாродு.
роХроЯ்роЯாропроо் рокроЯுрод்родிро░ுроХ்роХ ро╡ேрог்роЯுроо். роЙроЯро▓் рооுро┤ுро╡родுроо் роУроЯுроо் ро░род்родрод்родை роХро▓்ро▓ீро░ро▓் родрой்ройிроЯрод்родே ро╡ро░ро╡ро┤ைрод்родு роЪுрод்родிроХро░ிроХ்роХுроо் роиேро░роо் роЗродு. роЗрои்род рокрогிропை роиீроЩ்роХро│் рокாродிрод்родாро▓் рооро▒ுроиாро│் рооுро┤ுро╡родுроо்
роЪுро▒ுроЪுро▒ுрок்рокிро▓்ро▓ாрооро▓் роЕро╡родிрок்рокроЯுро╡ீро░்роХро│்.

Sunday, May 29, 2016

Yoga - Why one should learn and practice Yoga ?

Why one should learn and practice Yoga ?

While it is mandatory to learn yoga only through 1 on 1 in person from a guru, the Upa yoga explained here from Isha yoga center can be learnt through the below videos and practiced. The key is regular practice. Ensure you do the below Upa yogas for 60 days regularly then you would never be able to stop doing them every day. All the very best.


Upa yoga instructions : https://youtu.be/QjGF2MLdIz8

Best wishes for an interruption free practice for the next 60 days.

Wednesday, February 25, 2015

Seven levels of consciousness - the scale to measure your progress

Consciousness levels

1. Sleepconsciousness   - even when you are fast asleep you respond when one pinches you, when there is loud noise, or when the house is on fire. You are not aware of the conciousness but it still exists at sleep state.
2. Dream conciousness - in your dream you feel the experience is real, but when you wake up you know that was a dream.
3. Awake conciousness (Wakefulness) - since you are experiencing, you feel all those you see, feel, smell and hear are all permanent. But they are not just like the dream state and you realise that when the real awakening happens.
4. Soul conciousness - as you read this blog observe who is reading it. Continuous practise on this state in all your actions makes you aware you are not the body or the mind.
5. Divine conciousness - Expansion of soul conciousness brings you to divine conciousness, where you start experiencing events such as synchronicity etc.
6. Cosmic conciousness - this is a state when you start seeing cosmos in each and every thing around you. People, animals, trees, things etc.
7. Unity conciousness - the stage is also called enlightened state, when you see all things around you are expands of yourself. You are passionate on what you do, you are compassionate.


Monday, September 15, 2014

FMP or FD? The question answered!





By number of funds as well as money invested, one of the most important type of mutual fund in India is something that is generally called a Fixed Maturity Plan (FMP). Of the 1920 mutual funds that are currently available, no fewer than 805 are FMPs, as they are known. And of the Rs 5.61 lakh crore that is invested in Indian mutual funds today, 68,000 crore is in FMPs.
FMPs are generally used by companies and large investors as an alternative to bank fixed deposits. In general, these funds resemble FDs more than they do other mutual funds. These are closed-end funds, meaning that one can only enter them when they are launched and exit them when their pre-stated term is over. Actually, one can exit them earlier, but generally after paying a load that is high enough to be a serious discouragement. More importantly, fund companies offer an 'indicative return' for FMPs. Unlike other types of mutual funds, FMPs are run in such a way that this indicative return actually has some meaning.
FMPs invest in debt instruments with the intent of holding them to maturity. This means that regardless of any ups and downs in the market value of the investments, the final earnings are predictable. Therefore, the indicative returns that FMPs provide to investors reflect the reality.
One obvious question is why investors should prefer FMPs to bank deposits. The reason is mostly to do with tax efficiency. When you put money in a fixed deposit, the interest gets added to your income. In FMPs longer than a year, if you elect to take all your gains as capital appreciation, the taxation is merely 10% with indexation benefit or 20% with indexation. That's generally quite a saving from the tax rate, which either individuals or companies would pay on the interest earned from a bank deposit.
Even for investments less than a year, there's a tax advantage if the investor takes the option of receiving the gains in the form of dividends. In this case, individual investors will get taxed at 12.5% of the returns and corporates will get taxed at 20%.
This is the dividend distribution tax that is deducted by the fund company. Once this is paid, no further taxation applies to the income. Although this is obviously not as much of a tax advantage as the long-term capital gains option, it's still a lot lower than the full tax payable on bank deposits.

The only question that remains is if they are as safe as bank deposits. In theory, they aren't. Like any other mutual funds (and unlike banks), you could lose all your money in an FMP. In practice, FMPs have been predictable and safe.
However, to enhance the overall yield, FMPs may assume high credit risk and run the risk of default. Nowadays, the increasingly tight liquidity and credit situation could mean that some of the companies in which FMPs invest could be sailing closer to the edge than earlier. There's plenty of talk about how some real estate companies are facing tough times. If an FMP has invested in such a company's debt, the chances of an FMP returning less than the indicated yield or even turning in a capital loss cannot be ruled out completely.
Generally speaking, FMPs invest in high quality instruments, which have been rated by at least one credit rating agency. In case of investment in unrated papers, prior approval of the board of directors of the AMC or the Trustee has to be obtained. All things considered, even though FMPs are generally seen as something that only companies invest in, there's no reason why individuals should not use them as more tax-efficient fixed deposits.
The author is CEO, Value Research
This is a copy from The financial express.

Tuesday, August 26, 2014

родிро░ுроорои்родிро░роо் - рооூрой்ро▒ாроо் родрои்родிро░роо் - роХாро░ிропроЪிрод்родி роЙрокாропроо்

роХாро░ிропроЪிрод்родி роЙрокாропроо்

God realisation is feasible only through your body. Hence take care of the body well. Do not abuse it. Do not waste it.

704. роЙроЯроо்рокாро░் роЕро┤ிропிро▓் роЙропிро░ாро░் роЕро┤ிро╡ро░்
родிроЯроо்рокроЯ рооெроп்роЮ்роЮாройроЮ் роЪேро░ро╡ு рооாроЯ்роЯாро░்
роЙроЯроо்рокை ро╡ро│ро░்роХ்роХுроо் роЙрокாропроо் роЕро▒ிрои்родே
роЙроЯроо்рокை ро╡ро│ро░்род்родேрой் роЙропிро░்ро╡ро│ро░்род் родேройே.
(рок. роЗ.) роироо் роЙроЯроо்рокு родிро░ுро╡роЯிропுрогро░்ро╡ு рокெро▒ுродро▒்рокொро░ுроЯ்роЯே родро░рок்рокроЯ்роЯродு. роЕро╡் ро╡ுроЯроо்рокை рооெроп்ропுрогро░்ро╡ு ро╡ро┤ிропிро▓் рокро┤роХ்роХி роЕрод் родிро░ுро╡роЯிропுрогро░்ро╡ிройைрок் рокெро▒ுродро▓் ро╡ேрог்роЯுроо். роЕродройை ро╡ீрогே роЕро┤ிропро╡ிроЯ்роЯாро▓் роЙропிро░் рокропройроЯைропாродு. роЕродு рокாро▒்роХро▓род்родைрок் рокாро▓ைрок் рокро░ுроХுро╡родрой்рооுрой் роЕро┤ிропро╡ிроЯுро╡родை роТроХ்роХுроо். роЕро╡் ро╡ுроЯроо்рокை ро╡ро│ро░்роХ்роХுроо் ро╡ро┤ிро╡роХை родிро░ுро╡ைрои்родெро┤ுрод்родெрог்рогро▓். роЕродройை роЗроЯைропро▒ாродு роХрогிрод்родுроХ் роХொрог்роЯிро░ுрок்рокродே роЙроЯроо்рокை ро╡ро│ро░்роХ்роХுроо் роЙрокாропроо். роЕродройாро▓ேропே роЙропிро░் ро╡ро│ро░்роЪ்роЪிропுрог்роЯாроо். роЙропிро░்ро╡ро│ро░்роЪ்роЪி - рооெроп்ропுрогро░்ро╡ு. роЙрокாропроо் - ро╡ро┤ிро╡роХை. роЙроЯроо்рокாро░் роЙропிро░ாро░் роЕро╡ро▒்ро▒ிрой் роЪிро▒рок்рокுроиோроХ்роХி роЙропро░்родிрогை ро╡ாроп்рокாроЯ்роЯாро▓் роХூро▒рок்рокроЯ்роЯрой. роЗроГродு роЕроГро▒ிрогை роЙропро░்родிрогைропிро▓் ро╡рои்род родிрогைро╡ро┤ுро╡рооைродி.

705. роЙроЯроо்рокிройை рооுрой்ройроо் роЗро┤ுроХ்роХெрой் ро▒ிро░ுрои்родேрой்
роЙроЯроо்рокிройுроХ் роХுро│்ро│ே ропுро▒ுрокொро░ுро│் роХрог்роЯேрой்
роЙроЯроо்рокுро│ே роЙрод்родроорой் роХோропிро▓்роХொрог் роЯாрой்роОрой்ро▒ு
роЙроЯроо்рокிройை ропாройிро░ுрои் родோроо்рокுроХிрой் ро▒ேройே.
(рок. роЗ.) рокாро▒்роХро▓род்родைрок் рокாро▓்роиோроХ்роХிрок் рокேрогுро╡родுрокோро▓் роЙроЯроо்рокிройுро│் роЪிро╡рокெро░ுрооாрой் роЙропிро░்роХ்роХுропிро░ாроп்роХ் роХோро╡ிро▓் роХொрог்роЯро░ுро│ிройрой் роОрой்ройுроо் роЙрог்рооைропுрогро░்рои்родு роЕродройை роЕро╡ройுроЯைрооை роОрой்ро▒ு рокேрогுроХிрой்ро▒ேрой். роЗро╡் ро╡ுрог்рооைропுрогро░ாродроХாро▓род்родு роЕродройை роЗро┤ுроХ்роХுроЯைропродெрой்ро▒ு роОрог்рогிройேрой்.

Thursday, August 07, 2014

роЕроЯ்роЯாроЩ்роХ ропோроХроо் - рокிро░ாрогாропாроороо் (ро╡ро│ிроиிро▓ை)

Pranayamam is all about breathing. 

Prelude to the content of this post is my previous post 
http://gowrisankar.blogspot.in/2014/08/blog-post_6.html

Once again while this content may serve as a material to keep you informed on various aspects of breathing, I strongly recommend having a guru to teach you pranayama and do the practice under his/her guidance.

The ancient sages of Tamil culture have done thorough analysis on breathing and more so is Thirumoolar. They have found that there is a strong connection between thought/emotion and breathing. I am sure that you too would have observe that when your thoughts/emotions change you breathing patterns too change. Say for example you would have noticed rapid breathing when you are afraid. Your breathing is more smooth when you are experiencing peace. 

Hence the sages derived the solution to control thoughts/emotions through controlled breathing. The reason for controlling the thoughts is to enable thoughts to always be in the domain of the almighty. This would eventually help in leading to salvation.
  
549. рокிро░ாрогрой் рооройрод்родோроЯுроо் рокேро░ா родроЯроЩ்роХிрок்
рокிро░ாрог ройிро░ுроХ்роХிро▒் рокிро▒рок்рокிро▒рок் рокிро▓்ро▓ை.
рокிро░ாрогрой் роороЯைрооாро▒ிрок் рокேроЪ்роЪро▒ி ро╡ிрод்родுрок்
рокிро░ாрог ройроЯைрокேро▒ு рокெро▒்ро▒ுрог்роЯீро░் роиீро░ே.
(рок. роЗ.) рокிро░ாрогройாроХிроп роЙропிро░்рок்рокுроЪ் роЪிро╡роХுро░ுро╡ிройро░ுро│ாро▓் рооройрод்родுроЯрой் рокொро░ுрои்родி роЕроЯроЩ்роХி роЗро░ுроХ்роХுрооாройாро▓் рокிро▒рок்рокு роЗро▒рок்рокு роЗро▓்ро▓ை. роЙропிро░்рок்рокாройродு ро╡ро▓рок்рокாро▓் роЗроЯрок்рокாро▓் роиாроЯிроХро│ாроХிроп рокிроЩ்роХро▓ை роЗроЯைроХро▓ைроХро│ிро▓் рооாро▒ிрооாро▒ிрок் рокோроп் ро╡ро░ுрооாройாро▓், рокேроЪ்роЪுрооுрог்роЯாроХுроо். роЕродройாро▓் роЗро▒рок்рокுроо் рокிро▒рок்рокுроо் роЗро▒ро╡ாродு ро╡рои்родுроХொрог்роЯிро░ுроХ்роХுроо். рокேро░ாродு - рокிро░ிропாродு. роироЯை рокேро▒ு - рокோродро▓், ро╡ро░ுродро▓், (роЗро▒род்родро▓் рокிро▒род்родро▓்).
(роЕ. роЪி.) роороЯைрооாро▒ி - роЗроЯைроХро▓ை - рокிроЩ்роХро▓ைроХро│ை рооாро▒ிрооாро▒ி.
(4)

550. роПро▒ுродро▓் рокூро░роХроо் роИро░ெроЯ்роЯு ро╡ாроород்родாро▓்
роЖро▒ுродро▓் роХுроо்рокроо் роЕро▒ுрокрод்родு роиாро▓родிро▓்
роКро▒ுродро▓் рооுрок்рокрод் родிро░рог்роЯродி ро░ேроЪроХроо்
рооாро▒ுродро▓் роТрой்ро▒ிрой்роХрог் ро╡роЮ்роЪроХ рооாрооே.
(рок. роЗ.) ро╡ро│ிроиிро▓ைропாроХிроп рооூроЪ்роЪுрок்рокропிро▒்роЪி рооுро▒ை роЗродிро▒் роХாрогрок்рокроЯுроХிро▒родு. роПро▒ுродро▓் - рокூро░роХроо். роЖро▒ுродро▓் - роХுроо்рокроХроо். роКро▒ுродро▓் - роЗро░ேроЪроХроо். рокூро░роХроо் - роЙро│்ро│ிро┤ுрод்родро▓். роХுроо்рокроХроо் - роЕроЯроХ்роХுродро▓். роЗро░ேроЪроХроо் - ро╡ெро│ிро╡ிроЯுродро▓். ро╡ாроороо் - роЗроЯроХро▓ை; роЗроЯрооூроХ்роХு. роИро░ெроЯ்роЯு - рокродிройாро▒ுрооாрод்родிро░ை, роЕро▒ுрокрод்родு роиாро▓ு рооாрод்родிро░ை, рооுрок்рокрод்родிро░рог்роЯு рооாрод்родிро░ை. роЗрок் рокропிро▒்роЪிроХ்роХுроЪ் 'роЪிро╡ роЪிро╡' роОрой்ройுроо் роЪெрои்родрооிро┤்род் родிро░ுрооாрооро▒ை рооுроЯிро╡ிройை роиாрой்роХுрооுро▒ை роХрогிрод்родுрод் родூроп роХாро▒்ро▒ை роЙро│்ро╡ாроЩ்роХுродро▓் ро╡ேрог்роЯுроо். роЕродுрокோро▓ 'роЪிро╡роЪிро╡' роОрой்рокродройைрок் рокродிройாро▒ுрооுро▒ை роХрогிрод்родு роЗро░рог்роЯு рооூроХ்роХைропுроо் роЕроЯைрод்родு роЙро│் роиிро▒ுрод்родுродро▓் ро╡ேрог்роЯுроо். рокிрой் 'роЪிро╡роЪிро╡' роОрой роОроЯ்роЯுрооுро▒ை роХрогிрод்родு ро╡ро▓рооூроХ்роХைрод் родிро▒рои்родு ро╡ெро│ிро╡ிроЯுродро▓் ро╡ேрог்роЯுроо். роЗроо்рооுро▒ைропே роЗроЯрооூроХ்роХிро▓ுроо் рокропிро▓ுродро▓் ро╡ேрог்роЯுроо் роЗро╡்ро╡ாро▒ு рооாро▒ிрооாро▒ி роЗропрой்ро▒ роЕро│ро╡ு роЪெроп்родро▓் ро╡ேрог்роЯுроо். роЪிро╡роЪிро╡ роОрой்рокродு роиாрой்роХு рооாрод்родிро░ை.
(роЕ. роЪி.) рооாро▒ுродро▓் - роороЯைрооாро▒ுродро▓்.

Thiru Sivakumar Ayya's discourse on Pranayamam Session 1


Thiru Sivakumar Ayya's discourse on Pranayamam Session 2

Wednesday, August 06, 2014

роЕроЯ்роЯாроЩ்роХ ропோроХроо் - роЖродройроо் (роЗро░ுроХ்роХை)

Yogasanas

Prelude to the content of this page is my previous blog post at
http://gowrisankar.blogspot.in/2014/08/blog-post_5.html

540. рокроЩ்роХроп рооாродி рокро░рои்родрокро▓் роЖродройроо்

роЕроЩ்роХுро│ ро╡ாроо்роЗро░ு роиாро▓ுроо் роЕро╡ро▒்ро▒ிройுро│்

роЪொроЩ்роХிро▓்ро▓ை ропாроХроЪ் роЪுро╡род்родிроХ рооெройрооிроХрод்
родроЩ்роХ роЗро░ுрок்рокрод் родро▓ைро╡ройு рооாрооே.


(рок. роЗ.) родாрооро░ை роЗро░ுроХ்роХை рооுродро▓ாроХ роЗро░ுроХ்роХை рокро▓родிро▒рок்рокроЯுроо். роЕро╡ро▒்ро▒ுро│் роОрог்рокேро░ிро░ுроХ்роХை роиройிрооிроХроЪ் роЪிро▒рои்родрой. роЕро╡்ро╡ெроЯ்роЯройுро│்ро│ுроо், роХுро▒்ро▒роЩ்роХுро▒ை роПродுроо் роЗро▓்ро▓ாрод роЗро░ுроХ்роХை, роОро▓்ро▓ாро░ாройுроо் роТро▓்ро▓ுроо் ро╡роХை роХைроХ்роХொро│்ро│рок்рокроЯுроо் роЗро░ுроХ்роХை роЪுро╡род்родிроХроо் роОрой்рок.

While steps 1 and 2 of the 8 fold path can be practiced after listening to discourses or reading about it from books , the third step - Asanas, have to be learnt from proper Yogasana Gurus.

Thirumular in this section talks about just 8 asanas. Kindly go through proper training for this and do not attempt doing it your self by going through any reading material or after watching any video instructions on Yoga. The reason for insisting that a guru is needed to teach Asana is because if wrongly taught and practised one would loose track on his/her progress in the eight fold path to salvation.

Thirumoolar himself states that while giving the names of the eight asanas, he recommends approaching a guru to learn it.

Here I have given a link to an authentic hata yoga teaching organisation.
http://youtu.be/ewKgQ9mVwQo



The 8 asanas mentions by Thriumoolar that are effective and could be practised by all are

1 . рокрод்рооாродройрооாроХிроп родாрооро░ை роЗро░ுроХ்роХை
2.  роЪுро╡род்родிроХ роЖродройроо் 
3.  рокрод்родிро░ாроЪройроо்
4.  роХுроХ்роХுроЯ роЖроЪройроо் - роХோро┤ி роЗро░ுроХ்роХை
5.  роЪிроЩ்роХாродройроо் - роЕро░ிрооா роЗро░ுроХ்роХை
6.  роЪுроХாродройроо்
7.  To be deciphered from his verses  
8.  To be deciphered from his verses  





Tuesday, August 05, 2014

роЕроЯ்роЯாроЩ்роХ ропோроХроо் - роиிропроороо் (роирой்ро▒ாро▒்ро▒ро▓்)

Prelude to the contents of this page is one of my earlier post at
http://gowrisankar.blogspot.in/2014/08/blog-post.html

10 things that need to be done 

539. родро╡роЮ்роЪெрокроЮ் роЪрои்родோроЯроо் роЖрод்родிроХрои் родாройроЮ்
роЪிро╡рой்ро▒рой் ро╡ிро░родрооே роЪிрод்родாрои்родроХ் роХேро│்ро╡ி
роороХроЮ்роЪிро╡ рокூроЪைропொрог் роородிроЪொро▓்ро▓ீро░் роРрои்родு
роиிро╡роо்рокро▓ роЪெроп்ропிрой் роиிропроород்род ройாрооே.



(рок. роЗ.) 'роЙро▒்ро▒роиோроп் роиோрой்ро▒ро▓் роЙропிро░்роХ்роХு роЙро▒ுроХрог் роЪெроп்ропாрооை'ропாроХிроп родро╡рооுроо், родிро░ுро╡ைрои்родெро┤ுрод்родைроХ் роХрогிрод்родро▓ாроХிроп роЪெрокрооுроо், роЪிро╡ройை роиிройைрод்родро▓ாроХிроп роороХிро┤்ро╡ுроо், рооுрок்рокொро░ுро│ுрог்рооை роХைроХ்роХொро│்ро╡родாроХிроп рооெроп்рок்рокொро░ுро│் роЖрод்родிроХрооுроо், роЪிро╡ройроЯிропாро░்роХро│ுроХ்роХுрок் рокрогிрои்родு роЙро│்ро│рой. роЙро╡рои்родு роХொроЯுроХ்роХுроо் родாройрооுроо், роЪிро╡ройை ро╡ро┤ிрокроЯுроо் ро╡ிро░родрооுроо், роЪெрои்родрооிро┤்род் родிро░ுрооுро▒ை роЪிрод்родாрои்род роиூро▓்роХро│ை роУродро▓ுроо், роУродுро╡ிрод்родро▓ுроо், роХேроЯ்рокிрод்родро▓ுроо், роХேроЯ்роЯро▓ுроо், роиாроЯро▓ுроо் рооுродро▓ிроп роиропройாро░் рооெроп்ропுрогро░்ро╡ு ро╡ேро│்ро╡ி роРрои்родுроо் роЪெроп்родро▓ுроо், родிро░ுро╡ைрои்родெро┤ுрод்родாро▓் роУроо்рокுроо் роЕроХрод்родро┤ро▓ுроо், родிро░ுро╡ைрои்родெро┤ுрод்родாро▓் рокுро░ிропுроо் роЕроХрок்рокூроЪைропுроо், роЕро░ுро│ாро▓் роЪிро╡ройை рооро▒ро╡ா роиிройைро╡ாро▓் роЙро▒ро╡ெройроХ் роХொро│்ро│ுроо் роТрог்роородிропுроо் роОрой்ро▒ு роЪொро▓்ро▓рок்рокроЯுроо் рокрод்родுроо் роирод்родுроо் роирой்ро▒ாро▒்ро▒ро▓ிрой் ро╡ிрод்родாроХுроо். роЪрои்родோроЯроо் - роороХிро┤்роЪ்роЪி. роЖрод்родிроХроо் - роХроЯро╡ுроЯ் роХோро│்.
(роЕ. роЪி.) роЪிрод்родாрои்родроХ் роХேро│்ро╡ி - роЪைро╡ роЪிрод்родாрои்род роиூро▓்роХро│ிро▒் роХூро▒ுроо் рокொро░ுро│ைроХ் роХேроЯ்роЯро▓். роороХроо் - ро╡ிро░ுрои்родு рооுродро▓ிроп роРроо்рокெро░ு ро╡ேро│்ро╡ி. роиிро╡роо் - роиிрокроо். роЗро╡ை рокோрой்ро▒ роиро▒்роЪெропро▓்роХро│்.

The below 10 should be practiced

1. родро╡роо் - think of  the almighty
2. роЪெрокроо் - select a mantra and keep uttering the same
3. роороХிро┤்роЪி - роЪрои்родோроЯроо் - derive happiness on thinking of the almighty
4роЖрод்родிроХроо் - beleaf in heaven and hell
5. родாройроо் - to understand and give ( from ones own earnings ) what is required to the nobel people
6. ро╡ிро░родроо் - to help tune body to nature by fasting on appropriate days
7. роЪிрод்родாрои்род роиூро▓்роХро│ை роУродро▓ுроо், роУродுро╡ிрод்родро▓ுроо், роХேроЯ்рокிрод்родро▓ுроо், роХேроЯ்роЯро▓ுроо், роиாроЯро▓ுроо் рооுродро▓ிроп роиропройாро░் рооெроп்ропுрогро░்ро╡ு ро╡ேро│்ро╡ி роРрои்родுроо் роЪெроп்родро▓ுроо் - think of relation ship between us and the almighty
8. Rituals -
9. Yagam -
10. рокூроЪை - regular daily pooja

A discourse by Sivakumar Ayya on the second step - Niyamam followed by Asanam ( 3rd Step )