chitta manasa nivritti - control of mind

                                     why we control the  mind?
As the mind is capable of perceiving both happiness & unhappiness, we should try to  train the mind to perceive and feel both these dualities as equal entities.

originally our mind needs everlasting happiness,which is next to impossible to get in materialistic plane. thats why so many seers and thinkers since olden ages, scripted some sutras to retrograde the mind in to another plane of consciousness ----
where the mind subdued to a state of non-reactiveness
where the mind is not identifying with ego
where the mind has no vrittas of thoughts
where the mind looses its identity
where the mind perceives that the whole universe as single entity
where the mind vanishes in to unknown para pakriti -- - - - 
                    
    to get rid of un happiness, to get rid of despair, to remove grief,
    to remove sorrow in society
    to love all & serve all
    to engulf in happiness -- - -  man strives hard and passes  frontier to frontier and project himself in differen planes of consciousness by doing different yogic kriyas.

what is the aim of human life?
what should be the way of the human life?              
what is the truth?
what is the atma?
what is the real jnana?
can we perceive the infinite with the finite?
what is the light? its the karma of atma.
what is the desire? its the karma of the mind.
what is the sound? its the karma of the sensory organs.
what is the act? its the karma of the body.
is this world/  universe is the truth? it is the part of the truth.
to satiate the desires  is the way of life?
to extract ananda from self centered acts is right?
to perceive&percept ananda in all things,in all acts,in all situations -is right?
what is the whole?
in which whole it  is submerged ?
which whole is merged in to the whole ?
this world is myth. the paramatma is the real -says advaits
this world is true and the paramatma is pervading all this world is also true. -says non-advaits.

what is the way to attain the atma jnana?

gita IN ANOTHER ANGLE.

basics about bank deposits.

Advantages OF BANK DEPOSITS : 3-5 years 6.75-8 %
Bank deposits are the safest investment after Post office savings because all bank deposits are insured under the Deposit Insurance & Credit Guarantee Scheme of India.
It is possible to get a loans up to75- 90% of the deposit amount from banks against fixed deposit receipts.
The interest charged will be 2% more than the rate of interest earned by the deposit.
With effect from A.Y. 1998-99, investment on bank deposits, along with other specified incomes, is exempt from income tax up to a limit of Rs.12, 000/- under Section 80L.

Also, from A.Y. 1993-94, bank deposits are totally exempt from wealth tax. The 1995 Finance Bill Proposals introduced tax deduction at source (TDS) on fixed deposits on interest incomes of Rs.5000/- and above per annum.

POSTAL TIME DEPOSITS :
(Quarterly Compound Interest)

5 years -7.5%
The rate of interest is relatively high compared to the 4.5% annual interest rates provided by banks.
Although the amount invested in this scheme is not exempted as per section 88 of Income Tax, the amount of interest earned is tax free under Section 80-L of Income Tax Act.

Tax Deductions For Re-investment Fixed Deposits :

The following will be applicable for a Regular Fixed Deposit
TDS will be deducted when interest payable or reinvested per customer, per branch, exceeds Rs 10,000 in a financial year.
A consolidated Annual TDS Certificate will be mailed to you after the end of the financial year, including details of all TDS deductions during the year.

Applicable TDS rates are:
INTERESTS Payment equal to & above 10 lacs : 11.33%.

If you are exempt from paying tax, you need to present Form 15H when you open a Fixed Deposit and subsequently at the beginning of the following financial year.
At the end of the financial year, the TDS will be deducted on the basis of interest accrued on the Fixed Deposit (s) even if this interest has not been credited.

UTI BANK :
2 years to less than 3 years :
9 % for below 15 lacs.
10 %(FOR SENIOR CITIZENS)
9% FOR ABOVE 15LAC DEPOSIT.

Gita IN ANOTHER ANGLE.

paritrnaya sadhunam
vinaashaya cha dushkritam
dharma samsthapanardhaya
sambhavami yuge yuge.
the meaning of this sloka is--
to protect and uplift the pious people who are doing saadhana for liberation of mind from the bondages ,
and to destroy the people who are doing the adharmic and bad deeds and who are suffering from arishad vargas-
and to establish the dharma in the minds of the people, to propagate the dharma in the society and to reveal the real meaning of dharma - THE BHAGAVAN MANIFESTS HIMSELF TIME AND AGAIN IN ALL AGES.

JUST THINK IN ANOTHER ANGLE!

IN PLACE OF BHAGAVAN PUT THE ATMAN AND REPLACE THE WORD "GOOD AND BAD PEOPLE"WITH THE WORD "THOUGHT FORMS"---

Here we have to think and analyse as ,
that the atman will have a chain of " body&mind" until the atman has no need to protect the sadhu thoughts and no necessity of destroying the dushta thoughts.
that means,when there is no thought forms either good or bad in the lake of the mind, the atman never projects in mind&body continuim.
the samskaras camouflaging the atman has to evaporate by knowing that the atman is real,which is called as atma jnana.
until we achieve that atma jnanam, we-the atman has to manifest in the body& mind.

To mitigate the bad samskaras and to propagate & promulgate the good samskaras
and by conditioning the mind to thoughtlessness by constant practise
the atman projects itself in the abode of body every time and again IN ALL AGES.
it happens in me and you day in day out.
it happens always in all ages
its not once in a blue moon
its a daily ritual for atman