My Experience with Meditation

by | Aug 13, 2020 | Practicing Yoga, Success Habits

Meditation and Mindfulness have become buzz word now a days for good reasons. Meditation means “reflect upon” or “contemplate”.  I experience it first time while reading and contemplating a book i.e. the Power of Now by Echort Tolle. It is indeed a very practical book with practical techniques to observe and control one’s mind. I am not an avid meditator but here are some of my experiences with meditation:
1. Uncomfortable at starting it:
It is quite common with me. I always plan that I will meditate after my office hours but I feel so difficult to start the same. Sometimes I have so much of weird though in my mind that this is going to happen  or that will happen if i close my eyes and detach myself from my phone and people.
2. Uncomfortable in sitting in a posture:
In starting few minutes like 5-10 mins i feel normal but after that I feel like my legs are freezing. I feel like moving my legs.
 
3. Dullness and Confusion:
These are quite common things that happens to me number of times after meditation. I feel incomplete and also it feel like whether I did good or something went wrong. I can say that It is one of the vrittis mentioned by Maharshi Patanjali in Samadhi Pada i.e. Pramana.
 
4. Excess sleepiness:
I feel so much calm after the meditation but at the same time sometimes I fee so much of the excess sleep. I try not sleep at that time but don’t feel like doing anything else as well.
 
 
5. Things fall on line automatically:
After I strated meditating regularly, Things has started to sort out on its own. I started waking up in morning just to feel calm and silence when I meditate. It has also regulated my sleep since i hit the bed early and i found enough time to get ready for everyday stuffs.
6. Peacefulness:
There happened a incident when my boss was so tense because something went wrong. He was so furious and gave 1 hours of lecture. I simply listened to him. Then he asked what to do now? I answered that problems has already been solved !
7. Stillness in mind:
Meditation is kind of practice to get mind to self whenever it goes outside and stuck in non-essential stuffs.
PS:
I do get other experiences as well but that I don’t want to bind into mere words.
For a beginner, I would recommend to start with guided meditation i.e. Panchkosha Meditation. I am giving one of my favorite among all by Gurudev Sri Sri Ravishankar:

My Experience with Sri Sri Yoga Level-II

by | Jun 29, 2020 | Practicing Yoga, Success Habits

After completion of my Online Sri Sri Yoga Level-I, I was so much keen to join the Online Sri Sri Yoga Level-II and to continue these yoga practices for longer enough to make it a daily routine of mine. My expectations with level 2 was like, I will do some next level yoga. I was expecting to learn some more challenging postures and Asanas but nothing of that sort I found.

In fact after completing the course, I realised that difficult and challenging postures are not the real Yoga. True meaning of Yoga is when you are in harmony with your body, mind and breath.

Guided meditation in Gurudev’s voice is always a blessing in all of the Art of Living courses.

Best part of this Online Sri Sri Yoga Level – II was that I got to know about “Patanjali Yoga Sutra”. I have always heard of it and have made perception of it but never experienced it. It was my fortune to listen the Gurudev’s commentary on most of the sutras of Samadhi Pada. He explains things so easily and practically that you can actually feel it. After listening few Sutras, i though, Why I have not read it before.

One Sutra which I personally liked that is : स तु दीर्घकालनैरंतर्यसत्कारासेवितो दृढभूमि ||

I love it not only because it tell about a way for a seeker but also It very practical for everyone else. This sutra tells, “one should practice his duty(/yog/practices) with honour(/respect/love) to be perfect for long time.” There are many more such Sutras and Maharshi Patanjali has compiled the whole human behaviour, ailment and its solutions in this book.

We alway have some or other doubt (Sansay) but on the path of yoga you can not have doubt. Either you have to clear the doubt or you will stop moving on the path of Yoga. Maharshi Patanjali has enlisted nine obstacles on the path of yoga. Doubt (Sansay) is one of those. I am reminding it because I always had this doubt in my mind that how is Sudarshan Kriya helpful and where is it mentioned in the scriptures? I was kind of constantly looking for Praman of this question.

Then something amazing happened on 4th day of Online Sri Sri Yoga Level -II, Gurudev explained a Sutra from “Patanjali Yoga Sutra” that cleared all of my doubt about “Sudarshan Kriya”.

I also experience the Subtle Strengthening and healing Contractions (Sahasi) technique in this course. It’s really and amazing practice for whole body nerve. This technique is really awesome.

I also got to learn about the Shankhaprakshalana Kriya. It an ayurvedic technique for physical purification because it will clean the intestine tract by removing the impurities with salty water. This practice is also known as “Varisar Dhouti”. Please practice this technique only in the presence of Yoga Teacher.

I would recommend everyone to join these yoga courses. You will get better health and mind after the course.

Jai Gurudev

🙏

How I learned Sudarshan Kriya?

by | Jun 27, 2020 | Practicing Yoga, Success Habits

I have completed my schooling from Maharshi Arvind Vidya Madir and there was a whole subject for Sharirik Shiksha in class 6th, 7th and 8th. I have had learned few Asanas there but I lacked practicing it later during my college days.
I have forgotten Yoga completely until I got to know my father is going for group yoga in morning. Papa used to tell me about Anulom Vilom and Kapal Bhati but I never took it seriously.
I got enthusiastic about yoga and meditation again after listening so many people from west explaining benefits of it.
Specially when I got to know Steve Jobs has came to India for seeking some spiritual knowledge 😇.
It actually opened my eyes.After that I started listening people like Sandeep Maheshwari, Khursed Bataliwala (Bawa), Sadhguru and even Echort Tolle.
Between all of this quest, I got to know about Gurudev Sri Sri Ravishankar because of ongoing preparation of World Cultural Festival in 2016.
I searched about Him and I found myself so attached to Him. Later, When I got to know that Bawa is his disciple then I was very much clear about what to do.
I have heard about Sudarshan Kriya by one of the Art of Living Volunteer at IIT Madras Campus for the very first time.
Then searched about it over internet and I found an answer on Quora by Bawa himself and then I did not have any other thought expect to learn this amazing technique as soon as possible.
I made a call at Art of Living Bengaluru Ashram and got a closest and nearest Happiness Program by Johan Arora and Anshul Arora.
The Location was 15 Kms away from where I was staying and 5 Kms away from my Office. I choose evening time to that I could manage it with my office. I attended this course and It was really an eye opener for me.
I would recommend everyone to attend this awesome program so that you will become happy and spread happiness 😃.
Jai Gurudev 🙏

5 Things to do with Your First Salary

by | Jun 13, 2020 | Blog, Kick Start, Personal Finance, Uncategorized

When I was in college, I used to make lot of hypothetical plans in my mind that I am gonna do this and that after I get my first First Salary. But the underlying reality is, When you get your first salary and you cannot do everything you have planned with it because it is the lowest pay cheque of your life.

When I received my first salary, I used to login and see the balance in my account for no reason and I used to feel so happy just by seeing it. I don’t have exact idea but i must have done it at least 20 times at first.  What did you do? Please comment below 👇

I am writing this with my 8 years experience of wasting, investing and learning money. I have seen youngsters wasting their money on the wrong things. With their money, they either make rich to bigger clothing brands by purchasing branded clothings, phones, bike… or spend money on so called fun things like drinking, smoking etc.

I do a lot of talking on investing money and financial planning with my colleagues and friends and sometimes they criticise me for this. Then I kinda remind myself what Aristotle said long back :

There is only one way to avoid criticism: do nothing, say nothing and be nothing.

So I have made a list of 5 things to do after you receive your first salary. Here they are

Get a Term Insurance

You will meet many new people around you and these faces will change around you. One things will always be the same i.e. Your family. Most of the people who start earning they become sole bread winner to their family after parents gets retire.

No body has foreseen the future and causality might happens. But just imagine, What will happens to your near and dear one when you are no more. Nothing can complete that void but Yes, Insurance amount can support your family in your absence. So do think about this once.

Terms Insurances are cheaper once you get it at early age. It is comparatively offers high risk cover in less amount compare to other. endowment plans.

Note: I am not promoting this plan rather I am simply giving an idea that you can have an insurance cover of Rs 1 Crore by merely spending Rs 552 per month.

Get a Medical Insurance 

Causality is something that comes always uninvited and in the most unwilling times.  You need to protect yourself from financila threat of huge medical expenses. You should take a medical plan for yourself and your family  specially when wearing mask, social distancing have become new normal.
You must see how the world is witnessing new deadly diseases like Zika virus,Corona Virus and so many flues. If you or any of your family member met with any of these disease you gonna bleed financially like anything.

So It becomes very very important for you to have a Health Insurance. You may feel like these things are unnecessary burden to you but believe me its worth taking one and It’s an essential part of Financial Planning.

Note: This is just to give you an idea that you can have an health insurance of 5 lakhs annually in just Rs 363 per Month.

Start Building an Emergency fund

Normally, We do not believe in making an emergency fund because we are reluctant to accept the fact that change can happen any time.  But We forget the fact that almost nothing is in our hand.
In todays scenarios, It is very easy for me to explain why an emergency fund is important because of the lockdown we must have heard of people getting fired from their jobs or not getting salary during the lockdown.
Also lets take a simple scenario, Where everything is normal (I mean the old normal not the new one). Your are attending office at 9 AM and leaving at 5 PM and enjoying at home afterwards and all of sudden you got to know you phone is not working or it got broke. Now you got to know that it gonna cost Rs 8000 for the screen or it’s completely not working . What will you do then?
I know its completely hypothetical but such incidences happen now and then. What will you do then who will you ask for credit? In case you are planning for credit card then you are simply shifting the burden to next month.
Let suppose you are through with the above situation, What if after working for 1 year, you are fired from the organisation not because of your performance but because the company don’t have enough cash or upcoming projects?
At least you need some money to support you till the time you get a job. Let say, It is taking 6 month in worst case. You should accumulate enough cash to manage your expenses for 6 months.
For this purpose, I would suggest to save money in savings bank(25%) , fixed deposit(25%)  and  two debt mutual fund (25% each). You must have heard that mutual fund give better return than Bank Fixed Deposit but I see with that you are putting you emergency fund  in too much risk for 1%-2%  extra return.
Earlier I also used to suggest liquid fund but after the Franklin’s Debt Fund Case, I have started considering Bank Fixed Deposit as a best instrument to put in the emergency fund.

Start Planning  Your Retirement

Every day and every moment we are inching towards and death. Death is beautiful thing which gives you freedom from all your worries and responsibilities this mortal world but before your death there comes a time when you are no more earning i.e. RETIREMENT. You should be ready for that since very first salary. You should project an amount you would need at the time of retirement and start Investing for that. Right now, National Pension Scheme (NPS) is the best tool to plan your retirement because it also gives you tax benefit along with your retirement planning.
Just for an estimate, you can receive Rs 24000 per month as pension just by investing merely Rs 2500 per month along with getting tax benefits upto your retirement. I  have done this calculation for a person with age 23 years and retiring at the age of 60 Years and taken 10% of CAGR with 6% of annuity which is very much reasonable.
 

 

Kill the Bloody Loan First

If you had taken student loan for your studies so its now your responsibility to pay it off . Because any loan is a biggest burden to your mind and obstacle to your financial independence. You should start killing it from your very first pay cheque.
In case you are lucky enough and have not taken any loan during your studies then you should start investing for your short term goals like bike, car or even marriage. You can start investing in mutual funds or stocks directly  (NO TRADING!!!).
PS:
Apart from all these, You should also do some donation of any kind you like. Donation makes your hard earned money more pure. Please purchase something for your Mom and Dad as a token of Love 💛,  Gratitude 😇  and Respect 🙏   for their long term commitment to make you like this. I always wanted to write at this topic. I hope you will like it and Please do let me know how you feel. Also if you have any question comment below, I would love to answer them.
 
Reference:

How to join any PSU after engineering?

by | Jun 6, 2020 | Blog, How to Get Job

Are you planning to join PSU?  Then You have come to right place.  I gonna explain the complete process of joining almost any PSU.  So before getting into detail,  Let me tell you that I have prepared a mind map which is self explanatory and will save your lot of time. Please go through it:

You have completed engineering or even pursuing engineering and decided to join PSU. It really great decision for you. This small decision gonna put in a list of serious student. I really appreciate it. This post objective is to explain the process of joining PSUs so Let’s start.

Almost every PSU accept GATE score for recruitment  and those who does not they ask the same question which is asked in GATE. So needless to say that GATE Registration and getting a good score is mandatory.
After you have got your GATE score, you need to apply job at every PSU individually. You can get this information either by checking their official websites or from employment news website. You need to apply for the job by filling personal, educational and GATE registration details. Once you have completed this steps, All you have to do is wait…
Once these PSUs completed the process for screening of all the application processes, They start sending interview call letter. Interview call letter has every information that you need to know. It tell you all the list of documents requires for the joining the interview, Venue and timing of the interview.
Please cross check your document multiple times. If you have applied in some category like EWS/OBC/SC/ST then make sure you are carrying them with you otherwise you will be treated as General Category.
Reach the venue of Interview 30 mins before the time given in the call letter. You never know, how big the venue will be? It may take more 30 min to reach the exact interview location from the GATE. 😅

So you must be knowing that all these Public Sector Enterprises follows almost same pattern for the interview process. We can categorise the whole process into three parts i.e. Personal Interview, Group Discussion and Group Task. GATE Score weightage is 85% and Other process like PI,GT,GD carries 15% but even if the interview process carries 15% weightage, Don’t take it lightly. I have seen top ranked not getting into final list.

Lets me share my view on Personal Interview,Group Task and Group Discussion:

  1. Personal Interview
    Most of the time these it gets finished with normal discussion about you, location ,education and hobbies. Your technical subjects are also asked but very few. Mostly it goes easy. Please be genuine and simple in your answer. Don’t try to outfox the interviewer or Panel. Remember! They are BOSS.
  2. Group Task
    GT is to test how good you are in solving problem as a Team? It is conducted to test your leadership skill, How innovative you are, how good you are in brainstorming?The observer will make a team of 6–10 candidates and the team will be given a problem statement and your team will have to find best solution for that particular problem. You need to co-operate with the team to find the best solution with your innovative ideas and supporting your team members idea only if that is good 🙂 You may encounter with someone’s idea but keep in mind that should be in very amicable and logical way.
  3. Group Discussion
    GD is conducted to evaluate you communication skill and convincing skills. These GDs are not like typical college time GDs. These are well managed and organised. You don’t need to worry, if you have not been in such situation before.The group will be given a topic and you will have to speak “for the motion” or “against the motion”. You will be given time to think about the topic and think about the points and you may take a note of it if you want to but only after asking it from observer.

    Initially every member of the group will be given their time to put your view about the topic. Then they will keep an interval for actual discussion time to counter and prove your point and finally, they will ask every one to conclude.

    So you should keep your opinion. Even if you find some difficulty in the language then speak in Hindi because your opinion matters the most.Most of the time, these GD topics are related to the company product, services only.

Along with revising your core subjects, You should also read about the products and services of the company. You can also watch news channels because it helps in making good opinion. I would recommend two show The Big Picture and Desh Deshantar by Rajya Sabha TV. It helps if any question comes from recent news.

Once you will perform these steps well along with your nice GATE score. You will clear the PSU interview for sure.

But it also depends on the number of vacancies as well. Let say a top PSU is going to recruit only 5 and there more interested candidates who got combined score (in GATE+PI+GT+GD) better than you.Then in such cases definitely you might be in trouble.

After everything is over you will be asked to leave and wait for the result. Once result is out and you are selected then that is your lucky day. Enjoy it with your friends and family. I really wish you join PSU of your choice. I wish you good luck and All the very best.

Always remember, No achievement is bigger than “YOU”.