Tuesday, April 29, 2014

Satyanarayana swami pooja




Satyanarayana Puja
The story behind the Satyanarayana puja is an interesting one. This puja can be performed any time but it most powerful when conducted on the day or evening of the full moon. It is typically performed by families to preserve and enhance family harmony and to bring success and enjoyment to all. The performance is simple and fun and all family members take part.
This puja is typically performed by the individuals rather than priests. So it is very accessable, participatory and a joyful time for all.
The story behind the puja is as follows:
The puja itself is from the Skanda Purana. Sutha Puranik-ji, a rishi, narrates the story of a group of rishis who were performing a 1,000 year yagya for the general benefit of mankind. They went to Sutha Puranik-ji, and asked him how an individual having an ethical, life affirming desire, could have that desire fulfilled.
Suta explained that the same question was asked by Narada, who was a great rishi and son of Brahma the creator. Narada is a great character who pops up all throughout the Vedic mythology mostly as in instigator who sets events in motion. He has a fine sense of cosmic mischief.
In this story, Narada had been traveling all over the universe and its many worlds and finally came to Earth (Bhuloka). Here he found that so many people were suffering as they lived through their own karmas from past actions. He was filled with compassion for their suffering and went to find Lord Vishnu to ask him what could be done.
Vishnu and Narada are great friends, and Vishnu asked Narada what he could do for him. Narada explained that there is a special puja called Satyanarayana that can be performed by anyone; not necessarily a priest. It can be done any time and in any place. The results of which are material comfort and spiritual success.
As a part of the puja ritual a series of stories are read which describe some of the experiences of those who have performed the puja. These stories, called the Satyanarayana Katha) are always read as a part of the puja performance.
When you attend a Satyanarayana Puja usually the children take turns reading the stories chapter by chapter. It is fun and adds to the family celebration feeling of the puja.
The stories, which I’ve edited a bit for length, are as follows:
There was an old and poor Brahmin in the city of Kashi. He was a man of virtue and yet was extremely poor, always begging for his next meal. He came in the guise of an old Brahmin and said to him, “Tell me my friend, what ails you?". The Brahmin replied "I am an old and very poor man and I would be grateful if you can tell me how to get rid of this poverty which does not seem to ever leave me". The Lord replied "Why don’t you perform Sri Satyanarayana Puja?", and He told him how to perform the puja.
The poor Brahmin wanted to do the puja and was thinking about it as he goes to bed, worrying about how to afford the materials for the puja. He could not sleep and again in the morning he had same thoughts but decided not worry and said to himself, "whatever I earn today by begging I shall use it to perform the puja”.
Lord Vishnu likes such simple and sincere feelings of devotion, and does not want our material possessions. He is won only by the genuineness of feelings. That day the poor brahmin got plenty of money while begging and was able to purchase the necessary articles and performed the puja in simple sincerity.
Very soon he overcame his poverty and had all the things of the world he desired. Being devoted, he did not loose sight of what had brought him his wealth, and he continued to perform the puja every month and finally reached moksha too.
Once when this brahmin was performing the Sri Satyanarayana Puja a simple woodcutter passed by his house. He saw the brahmin performing the puja and wanted to know what it is and what are its fruits. The brahmin said, "This is Sri Satyanarayana Puja. Whatever desires you have in your mind and heart will be fulfilled by performing this puja. My own poverty and troubles all ended by my very decision to perform this puja".
On hearing this, the woodcutter bowed before the image of Lord Vishnu, accepted some blessed food (prasadam), and decided to perform this puja next day. He thought in his mind, "Whatever amount I get from the sale of the wood tomorrow, I will use it for the performance of the puja."
That day he was able to sell the wood for twice this usual price. Happily thinking of the Lord Satyanarayana he proceeded to do this puja, and invited his friends and relatives. Thus performing Sri Satyanarayana Puja regularly he became rich and happy and finally reached Satyaloka (heaven).
Suta Puranikji continues the story:
Once there was a good King called Ulkamukha. He was devoted to Truth and balanced living. Everyday he used to go to the temple, worship the Lord, and afterwards distribute alms to the needy.
One day he was performing Sri Satyanarayana Puja on the banks of a river. At that time there came a merchant in a ship loaded with precious goods. He approached the King and wanted to know the details of the Puja and also its fruits.
The King said, "My friend, what we are doing is a puja called Sri Satyanarayana Puja. This is done with a desire to have children, wealth, property, knowledge, and happiness. By performing this ritual, we are worshipping Lord Narayana, the source of Truth and Giver of Blessings to gain his support and protection".
The merchant said, "Please tell me the details as to how to perform this puja because I would like to have children whom I have not been fortunate to have until now."
The King tells him the details of the puja and the merchant returned home. He told the details to his wife and they decided to perform this puja after she became pregnant and delivered a child. Sometime later his wife became pregnant and delivered a girl who was named Kalavathi.
The wife reminded her husband about the puja and he kept postponing it year after year, until his daughter grew of age and was ready to be married. The father found a suitable groom whom she happily marries. The daughter began to live with her husband and enjoyed their life together. But the father again neglected to perform the puja although he had decided to do so at the time of marriage of his daughter.
Lord Vishnu, who never forgets when we make these vows, wanted to remind the merchant. One day, the merchant and his son-in-law were in a city called Ratnasara where King Chandrakethu was the King.
There was a theft at the palace and the burglars were chased hotly by the police. The running thieves knew they were soon to be caught and as they ran, saw the two merchants sleeping beside a tree. The thieves tossed the booty under the tree and ran off.
The police found the two merchants with the stolen goods and they were sent immediately to prison. As he sat in his cell, the merchant suddenly realized that this sudden turn of events was all on account of his forgetting his promise to perform puja to the Lord.
At the same time, back home both Lilavathi and her daughter Kalavathi lost all their belongings due to thefts at home and were rendered beggars. During their desperate wandering to beg for food Kalavathi, the daughter sees Sri Satyanarayana Puja being performed at one house. She goes in, hears the story and details and returns to tell her mother what had taken place.
Lilavathi remembers the unfulfilled vow of her husband and knows that it is their forgetting to do the Puja that had created all these problems. Next day she calls together her relatives and friends and together they find the necessary money to perform the Puja. In her prayers, she begs Vishnu for forgiveness.
Shortly thereafter, the King had a dream that the merchants were innocent. So he starts an inquiry and is soon convinced of their innocence and released them and restores their lost wealth.
Suta Puranik continues the story:
Thus released from the custody the merchants were returning home. They reached the outskirts of their town in their ship. The Lord in order to test them again comes in the form of an old Sanyasi and inquires as to what the cargo in the ship is. The merchant bluffs and says that it contains dried leaves.
The sanyasi says "Tathasthu" (“let it be truth”). When the merchant returns to the ship he finds that it contains only dried leaves. He collapses in astonishment and fright. When he regains his consciousness he realizes that these are doings of the Sanyasi whom he had rudely dismissed earlier. He seeks him out and begs for forgiveness.
The ever-merciful and playful Lord Vishnu in the form of the sanyasi again forgives merchant.
Now that the merchant was near his home town, he sends a messenger in advance to his wife Lilavathi to let her know that they are on their way home. Lilavathi. tells her daughter to complete the Satyanarayana puja they were performing and goes ahead to meet her husband. Kalavathi does the Puja, but in a hurry to meet her husband, she neglects to take the prasadam (blessed food); and when she nears the anchorage, she does not find the ship nor her husband! It seemed to her that that the boat must have sank and her husband drowned. She is in full panic.
The merchant thinks carefully and concludes that it is the daughter’s oversight in not accepting the prasad after the puja that has created this problem and now if she goes and takes the prasad, everything would be all right.
Kalavathi returned to the altar in her home and took some fruit fro the puja table prasad with all faith and reverence. Shortly afterwards, her husband returned and from then onwards the whole family performed Sri Satyanarayana Puja regularly till the end of their life and finally after death they reached Satyaloka.
In the woods of Nemisharanya Suta Puranik-ji continued the story narrating the greatness of this Puja to Shounaka and other Rishis:
In ancient times, there was a King called Angadwaja. He was good and righteous King and yet, as busy as he was, once ignored the proper performance of the puja and neglected to take prasad and had to suffer very dearly because of that.
Once the King was returning from hunting wild animals in the forests of his kingdom. He rested under a tree for a while and noticed that a few yards away a small group of cowherd boys had gathered to perform Sri Satyanarayana Puja. Being poor cow herders, they did not have anything to use for the puja offerings except their daily bread. One among them was acting as their priest and they did their best to perform the puja properly. At the end of their Puja, they offered the prasad to the King who, out of contempt and pride rudely refused it.
He forgot about the incident and went about living his life. Bu t events turned against him and soon all his wealth was lost; his children were angry with him, and discord spread throughout his kingdom. In his despair he began to think that perhaps this loss of good fortune was on account of his contempt for those children’s Puja. Without any delay the King went to that same spot where the cowherd boys had been performing the Puja earlier. He gathered them all around and offered his apologies. Together they performed the Satyanarayana Puja with joy and simplicity.
The King’s wealth returned, and peace returned to his Kingdom and family.
Suta now tells the Rishis that this Puja is especially effective in the time of Kali Yuga. One who reads this story and one who hears it will be rid of all woes and difficulties.
OM SHRI SATHYANARAYANAYA NAMAH
OM SHRI SATHYANARAYANAYA NAMAH
OM SHRI SATHYANARAYANAYA NAMAH
  

Thursday, April 3, 2014

Friday, April 5, 2013

Effects of the mobile phone’s radiation


As we know that the radiation from mobile phone’s towers and mobiles effects on our body, it effects on the insects and on agriculture also. Due to the radiations from the mobile phones is steadily declining in crop production. The insects involved in the process of pollination for the reproduction of crops has dire implications of the radiations. If the mobile radiation would not be decreased in coming up time, the production of the crops will reduce to a third. The fact yielded in a research conducted by Dr. S.S. Saah, an agricultural scientist of Indira Gandhi Agriculture University of Raipur. Research conducted on the bees which play an important role in the pollination. According to the research, the insects have a head on antenna to catch the frequency of the environment that is the ability in insects to assume all elements from the environment. Insects try to obstruct the mobile phone radiation through their antenna, but it creates the problems in its way. And its rays are harmful enough also. When the antenna of the insects bangs with mobile phone radiation, they distracted and run away form there. Which is why, the insects are unable to pest-pollination process for the production of crops and the production of crops is declined.

Saturday, February 23, 2013

INCOME TAX - TYPES OF SECTIONS



As per No.402/92/2006-MC (14 of 2011 ) Government of India / Ministry of Finance Department of Revenue Central Board of Direct Taxes --- New Delhi, dated 23 rd june, 2011  PRESS RELEASE 
Individuals having total income up to Rs.5,00,000 for FY 2010-11, after allowable deductions, consisting of salary from a single employer and interest income from deposits in a saving bank account upto Rs.10,000 are not required to file their income tax return. Such individuals must report their Permanent Account Number (PAN) and the entire income from interest to their employer, pay the entire tax by way of deduction of tax at source, and obtain a certificate of tax deduction in Form No 16.
*****    Under 80C if Rs.1,00,000 claimed, the benefit of tax exemption benefit is minimum Rs.10,000 to maximum Rs.30,000. But inorder to decrease the tax payment little more one has to go for other sections. The details of such sections are as follows. 


S.NOSECTION NODETAILS
180EOnly interest on loan taken for higher education (above 10th class) of assessee/spouse/children. This benefit is continued only for 8 years from the date of loan sanctioned.
280CTuition fee for children Maximum of Rs.1,00,000 on the whole (PF, LIC, PPF, APGLI, NSC, TUITION FEE, Housing loan principle repayement, Investment in Infrastructure bonds, Deposits in scheduled banks for less than 5 years) under this section
380GDONATIONS
100 % EXEMPTION WITHOUT LIMITATION ---> National defence fund,PM / CM Relief funds, National foundation for communal harmony, District saksharatha mission, central sports fund, central cultural fund, National technology fund.
50% Exemption on the amount given to registered charitable trusts -- amount paid should be more than Rs.250/- & maximum upto 10% of the salary.
480GG
Under this Maximum 25% of annual income or Rs.2,000/- per month can be exempted --- provided 1) Registered house should not exist in the living place on the name of assessee/spouse/children. 2)Should not claim any other exemptions with reference to house.
Using this section individual can benefit Tax upto Rs.7,400/-
580CCGRAJIV GANDHI EQUITY SCHEME
This section is available from current financial year. This is intended only for the persons who enters newly into stockmarket for investing. Maximum investment is Rs.50,000/- from which one can exempt Rs.25,000/- from annual income.
Condition:- Individual annual income should not be more than Rs.10,00,000/- (Ten Lakhs) 
680D
Maximum Rs.15,000/- for sen. citizens Rs.20,000/-
Premium paid to Health Insurance Maximum Rs.15,000/- & for senior citizens Rs.20,000/-.
If the policy is taken for parents additional Rs.15,000/- (if they are senior citizens Rs.20,000/-) can be exempted.
If there is any medical expenditure for medical check up for assessee/ family members/ parents that can be included maximum amount Rs.5,000/- to the above amount. 
780DD
PHC members depended on assessee (Parents/ family members/ Brothers / sisters ) can get exemption 
for moderate PHC--- Rs.50,000/-
for severe PHC--- Rs.1,00,000/-
Premiums paid to LIC Jeevan Adaar Policy can be taken into account  under this section. 
880DDB
Expenditure for Treatement taken to some severe diseases considered for exemption upto Rs.40,000/- (senior citizens Rs.60,000/- ) exempted.
Note:- If the expense is reimbursed through heaith insurance this benefit not applicable.
980U
If the assessee is PHC with reference to doctor certificate
upto moderate --- Rs.50,000/-
above moderate --- Rs75,000/- can be exempted.
1024BHousing Loan
For the loan taken one can get exemption under two sections, Under 80C -- principle paid is exempted & under 24(B) -- interest maximum Rs.1,50,000/- paid on the loan taken exempted.
i)If the interest paid is more than Rs.1,50,000/- & wants to get total interest paid  exemption 
a)Show that house given to rent & the rent paid shown as income.
                             (OR)
ii)Show that parents of assessee are living in that house without rent and get exemption
1154EC
Long Term Capital Gain Tax
When Gold/ shares/ plots/ house etc. are sold the profit got can be invested in capital gain tax bonds. The individual can exempt tax upto 20%. These bonds lock in period is 3 years. But the interest got on these bonds during lock in period is taken as income.

*****    భార్యాభర్తలు     ఇరువురు     ఉద్యోగులైన     సందర్భంలో     వారు     విడివిడిగా     ఆదాయం     పన్ను     రిటర్ను     దాఖలు     చేయాలి. వారిరువురు     ఒకే     ఇంటిలో     నివసిస్తూవుంటే     అర్హతవున్న     ఇంటి     అద్దె     అలవెన్సు     ఒకరే     మినహాయించుకోవాలి.
గమనిక     --- A.P. Financial Code Rule 86      ప్రకారం     ఉద్యోగి     చెల్లింపవలసిన     పన్నును     జీతం     బిల్లు     నుండి     డ్రాయింగ్     అధికారే మినహాయించి, సంబంధిత     పద్దుకు     జమచెయ్యాలి.
As per F.No.TDS / Clarification / 1011 Dt. 15-02-2011 of Director  Treasury & Accounts, Hyderabad.
     1) Deduction U/S 80DDB in respect of medical treatment etc. cannot be taken into account by the DDO : it can be claimed by any person only in the return of Income told by him before the Assessing officer by fulfilling all the conditions laid down in that section.
      2) HRA Exemption:
            *** Actual amount of HRA received
            *** Actual rent paid minus 10 % of basic salary
            *** 40% of basic salary ( 50% basic salary incase of places for Bombay, Calcutta, Delhi or Chennai)
            *** HRA granted to an employee who is residing in a house / flat owned by him is not exempt from Income Tax.
            *** The DDO should satisfy himself regarding the fulfillment of conditions by insisting on production of evidence of actual payment of rent before excluding HRA from the total Income.
            *** Salaried employees drawing HRA upto Rs.3000 per month will be exempted from production of rent receipt.
        3) Claims U /S 80 C
                 *** The DDO's are advised to satify themselves about the actual deposits/ subscriptions/ payments made by the employees, by calling for such particulars/ information's as they deem necessary before allowing the deductions claimed.
         4) Arrears ;-
                   After adding these arrears amount to the regular salary received during the year, one can claim the same as deduction U/S 80C, Subject to the regulations mentioned in the Act, since the same is credited to the Provident Fund.
          5)Deduction U/S 80 G towards donations:-
            ***  No deduction should be allowed by the DDO from the Salary income in respect of any donations made for charitable purpose. The Tax relief on such donations as admissible under section 80G will have to be claimd bytheTaxpayer in the return of Income. However in case where employees made donations to the Prime Minister's National Relief Fund, the Chief Minister's Relief Fund or Lieutenant Governor's Relief Fund through their respective employers will be admissible under sections 80G on the basis of certificate issued by the DDO in this behalf.

Wednesday, February 20, 2013