Settle Home loan Using Credit Card Balance Transfer

Most of us are aware of credit card balance transfer, 0%APR availability. Most of us owe home loans at an interest rate of around 4.5% to 6.5% . Balance transfer option can be used to settle our home loans. This is an unexplored option. Note that if would be interested in home purchase in India current rates are hovering around 10% and this is a fantastic saving. However in case of USA 3.43% is the home loan rate and it is better to go for loan so that we can avail tax benefits
We can make a balance transfer for as low as 3% at the rate of 0%APR. These credit card balance transfers includes cheque, cash advances etc and hence can be made use of to settle home loans. We still save 2% (5-3 = 2%) on interest. Try this option and save good.

Speed Work Smart Work Better Than Hard Work

Lets start with a small story. On 1999 South Indian Cine Industry did attempt a daring venture. They produced a movie in 24 hours which became a part of Guinness world record. I happened to see this movie recently. I couldn't believe that the movie is directed in a single day. I took a great moral from this story. I'm interested in sharing it with you all.
Blogging to make money online started somewhere around 2005. In my previous posts I always keep insisting on lightning blogging.It is blogging as much as post as you could in a very short span. This doesn't happen at the expense of post quality. So, we need to work smart with full concentration. The job needs to be done fast. Say if you post 2 posts per day, have of vision of blogging 4 posts per day with the same quality. It is great if you can accomplish this task in the same amount of time.
I learnt this moral yesterday. You'd have come across the new website http://www.bellbang.com released yesterday. I started the development at 12:30P.M and finished the job by 4:30P.M. It is 4 hours of uninterrupted , dedicated, focussed hardwork. I didn't even had a drop of water inbetween.
I had the target of releasing the first version  June 15 (10 days approximately). I was astonished to see that I can make it in 4 hours. It was the moment wherein I understood the potential behind each and everyone of us. Apart from this an interesting factor helped me. For the past one month I tried developing the habit of positive thinking. I spend 2 minutes per day (Believe me it is just 2 minutes) and see my website up and running. Following this I'd think my website's first version to be up and running as soon as possible. This had a great impact in my sub-conscious mind . I proved for itself.
So, try to work hard, work at great speed (starts with increasing typing speed), stay focussed, stay away from distractions during work, think positive. Believe - YOU'LL ACHIEVE BIG

SREE VISHNU SAHASRA NAAMAM

Harii:Om
1 Suklaam Bharadharam Vishnum Sasivarnam Chathurbhujam
Prasanna Vadhanam Dhyaayedh Sarva Vignopa Saanthaye
2 Yasya Dhwiradha Vakthraadhyaa Paarishadhyaa Parassadham
Vignam Nignandhi Sathatham Vishvaksenam Tham Aasraye
3 Vyaasam Vasishta Naphthaaram Sakthe Pouthra Makalmasham
Paraasara Athmajam Vandhe Sukha Thaatham Thaponidhim
4 Vyaasaaya Vishnu Roopaaya Vyaasa Roopaaya Vishnave
Namo Vy Brahma Nidhaye Vaasishtaaya Namo Nama:
5 Avikaaraaya Sudhdhaaya Nithyaaya Parmaathmane
Sadhaikha Roopa Roopaaya Vishnave Sarva Jishnave
6 Yasya Smarana Maathrena Janma Samsaara Bhandhanaath
Vimuchyathe Namas Thasmaii Vishnave Prabha Vishnave
7 Nama: Samastha Boothaanam Aadhi Bhoothaaya Bhoobhrithe
Anekha Roopa Roopaaya Vishnave Prabha Vishnave
8 Om Namo Vishnave Prabha Vishnave
9 Sree Vysampaayana Uvaacha
10 Sruthvaa Dharmaana Seshena Paavanaani Cha Sarvasa:
Yudhishtira Saanthanavam Punareva Abhyabhaashatha
11 Sree Yudhistira Uvaacha
12 Kimekam Dhaivatham Loke Kim Vaapyekam Paraayanam
Sthuvantha Kam Ka Marchanta Praapnuyur Maanavaa Subham
13 Ko Dharma Sarva Dharmaanam Bhavatha Paramo Matha:
Kim Japan Muchyathe Janthur Janma Samsaara Bhandhanaath
14 Sree Bheeshma Uvaacha
15 Jagath Prabhum Dheva Dhevam Anantham Purushoththamam
Sthuvan Naama Sahasrena Purusha Sathatho Sthitha:

Tham Eva Chaarcha Yan Nithyam Bhakthyaa Purusham Avyayam
Dhyaayan Sthuvan Namasyam Cha Yajamaanastha Meva Cha
17 Anaadhi Nidhanam Vishnum Sarva Loka Mahesvaram
Lokaadhyaksham Sthuvan Nithyam Sarva Dhukkhaadhi Go Bhavedh
18 Brahmanyam Sarva Dharmagnam Lokaanam Keerthi Vardhanam
Loka Naatham Mahath Bhootham Sarva Bhootha Bhavodhbhavam
19 Esha Me Sarva Dharmaanaam Dharmodhi Kadhamo Matha:
Yadh Bhaktyaa Pundareekaaksham Sthavair Archai Nara Sadha
20 Paramam Yo Mahath Theja: Paramam Yo Mahath Thapa:
Paramam Yo Mahath Brahma Parmam Ya: Paraayanam
21 Pavithraanaam Pavithram Yo Manglaanaam Cha Mangalam
Dhaivatham Dhevadhaanaam Cha Bhoothaanaam Yovyaya Pithaa
22 Yatha Sarvaani Bhoothaani Bhavanthyaadhi Yugaagame
Yasmin Cha Pralayam Yaanthi Punareva Yugakshaye
23 Thasya Loka Pradhaanasya Jagannaathasya Bhoopathe
Vishnor Naama Sahasram Me Srunu Paapa Bhayaapaham
24 Yaani Naamaani Gounaani Vikhyaathaani Mahaathmana:
Rishibhi: Pari Geethaani Thaani Vakshyaami Bhoothaye
25 Rishir Naamnaam Sahasrasya Vedha Vyaaso Mahaamuni:
Chandho Anushtup Thathaa Dhevo Bhagavaan Dhevakee Sutha:
26 Amruthaam Soodhbhavo Bheejam Sakthir Dhevaki Nandhana:
Thrisaamaa Hridhayam Thasya Saanthyarthe Viniyujyathe
27 Vishnum Jishnum Mahaavishnum Prabha Vishnum Mahesvaram
Aneka Roopa Dhaithyaantham Namaami Purushothamam
28 Kesava Pathu Me Paadhou Janghe Naaraayano Mama
Maadhavo Me Katim Paathu Govindho Guhyam Eva Cha
29 Naabhim Vishnusthu Me Paathu Jataram Madhusoodhana:
Uras Thrivikrama Paathu Hridhayam Paathu Vaamana:
30 Sreedhara Paathu Me Kantam Risheekeso Mukham Mama
Padhmanaabhasthu Nayane Siro Dhaamodharo Mama
31 Evam Ethaani Naamaani Japa Kale Viseshatha:
Vinya Sethaathma Rakshaartham Sarva Mangala Sidhdhaye
Om Asya Sree Vishnor Dhivya Sahasra Naama Sthothra Mahaa Manthrasya, Sree Vedha Vyaaso Bhagavaan Rishi:, Anushtup Chanda:, Sree Mahaavishnu Paramaathma Sreeman Naaraayano Dhevathaa, Amruthaam Soodh Bhavo Bhanurithi Bheejam, Dhevakee Nandhana Srashta Ithi Sakthi:, Udhbhava Kshobhano Dheva Ithi Paramo Manthra:, Sankha Brin Nandhakee Chakreethi Keelakam, Saarngha Dhanvaa Gadhaadhara Ithyasthram, Rathaanga Pani Rakshobhya Ithi Nethram, Thrisaama Saamaga Saamethi Kavacham, Aanandham Para Brahma Ithi Yoni:, Rithu Sudharsana Kala Ithi Dhigbhandha:, Sree Visva Roopa Ithi Dhyanam, Sree Mahaa Vishnu Preethyarthe Samastha Paapa Kshayaarthe Sahasra Naama Jape Viniyoga:
Dhyaanam
1 Ksheero Dhanva Pradhese Suchi Mani Vilasath
Saikathe Moukthikaanaam
Malaa Klipthaa Sanastha Spatika Mani Nibhair
Mourthikai Mandithaanga:
Subrai Rabrai Radhabrai Rupari Virachithai
Muktha Peeyoosha Varshai:
Aanandheena Puniyaa Dhari Nalina Gadhaa
Sangha Paanir Mukundha:
2 Bhoopaadhou Yasya Naabhir Viyadha Sura Nila
Chandhra Suryou Cha Nethre
Karnaa Vaasa Sirodhyou Mukha Mabhi Dhahano
Yasya Vaastheya Mabdhi:
Anthastham Yasya Visvam Sura Nara Khaga Go
BhogiGandharva Dhaithyai:
Chithram Ram Ramya Thetham Thribhuvana Vapusham
Vishum Eesam Namaami
3 Saanthaakaaram Bhujaga Sayanam Padhmanaabham Suresam
Visvaakaaram Gagana Sadhrisam Meghavarnam Subhaangam
Lakshmee Kaantham Kamala Nayanam Yogi Hridh hyaanagamyam
Vandhe Vishnum Bhava Bhayaharam Sarva Lokaika Naatham
4 Megha Syaamam Peetha Kouseya Vaasam
SreeVathsaangamKousthubhodh Bhaasithaangam
Punyo Petham Pundaree Kaayathaaksham
Vishnum Vandhe Sarva Lokaika Naatham
Sa Sankha Chakram Sa Kireeta Kundalam
Sa Peetha Vasthram Saraseeru Hekshanam
Sa Haara Vaksha Sthala Sobhi Kousthubham
Namaami Vishnum Sirasaa Chathur Bhujam
6 Chaayaayaam Paarijaathasya Hema Simhaasanopari
Aaseenam Ambhudha Syaamam Aayadhaaksham Alamkritham
7 Chandhra Ananam Chathur Bhaahum Sree Vatsaanghitha Vakshasam
Rugminee Sathya Bhaamaabhyaam Sahitham Krishnam Aasraye
Om Namo Bhagavathe Vaasudhevaaya
Om Sree Visvasmai Nama:
1 Om Visvam Vishnur Vashatkaaro Bhootha Bhavya Bhavth Prabhu:
Bhootha Kridh Bhootha Bhridh Bhaavo Boothaathma Bhootha Bhaavana:
2 Poothaathma Paramaathma Cha Mukthaanam Paramaa Gathi:
Avyaya Purusha Saakshee Kshethragno Kshara Eva Cha
3 Yogo Yogavidhaam Nethaa Pradhaana Purushesvara:
Naara Simha Vapu Sreemaan Kesava Purushoththama:
4 Sarvas Sarva Siva Sthaanu: Bhoothaadhir Nidhi Ravyaya:
Sambhavo Bhaavano Bharthaa Prabhava Prabhur Eeswara:
5 Swayambhoo Sambhur Aadhitya: Pushkaraaksho Mahaa Swana:
Anaadhi Nidhano Dhaathaa Vidhaathaa Dhaathur-Uththama:
6 Aprameyo Risheekesa: Padhmanaabho Amara Prabhu:
Visva Karmaa Manu Thwashtaa Sthavishta Sthaviro Dhruva:
7 Agraahya Saaswatha Krishno Lohithaaksha Prathar Dhana:
Prabhootha Sthrika Kubdhaama Pavithram Mangalam Param
8 Eesaana Praanadha Praano Jyeshta Sreshta Prajaapathi:
Hiranya Garbho Bhoogarbho Maadhavo Madhu Soodhana:
9 Eeswaro Vikramee Dhanvee Medhaavee Vikrama Krama:
Anuththamo Dhuraa Dharsha: Krithagna: Krithir Aathmavaan
Suresa Saranam Sarmaa Viswa Rethaa Prajaa Bhava:
Aha Samvathsaro Vyaala: Prathyaya Sarva Dharsana:
11 Aja Sarveswara Sidhdha: Sidhdhi Sarvaaadhir Achyutha:
Vrishaakapir Ameyaathma Sarva Yoga Vini Sritha:
12 Vasur Vasumanaa: Sathya: Samaathma Sammitha Sama:
Amogha Pundareekasho Vrisha Karmaa Vrishaa Krithi:
13 Rudhro Bahu Siraa Babru: Viswa Yoni Suchi Sravaa:
Amrutha Saaswatha Sthaanur Varaaroho Mahaa Thapaa:
14 Sarvaga Sarva Vidh Bhanu: Vishvakseno Janaardhana:
Vedho Vedha Vidha Vyango Vedhaango Vedha Vidh Kavi:
15 Lokaadhyaksha: Suraadhyaksho Dharmaathyaksha: Krithaa Kritha:
Chathuraathma Chathur Vyooha Chatur Dhamshtra Chatur Bhuja:
16 Braajishnur Bhojanam Bhokthaa Sahishnur Jagadhaa Dhija:
Anagho Vijayo Jethaa Viswa Yoni: Punar Vasu:
17 Upendhro Vaamana Praamsur Amogha Suchir Oorjitha:
Atheendhra Samgraha Sargo Dhrithatmaa Niyamo Yama:
18 Vedhyo Vaidya Sadhaa Yogi Veerahaa Maadhavo Madhu:
Atheendhriyo Mahaa Maayo Mahoth Saaho Mahaa Bala:
19 Mahaa Budhdhir Mahaa Veeryo Mahaa Sakthir Mahaa Dhyuthi:
Anir Dhesya Vapu Sreemaan Ameyaathmaa Mahaadhri Dhrik
20 Maheshvaaso Mahee Bharthaa Sreenivaasa Sathaam Gathi:
Anirudhdha Suraanandho Govindho Govidhaam Pathi:
21 Mareechir Dhamano Hamsa: Suparno Bhujagoththama:
Hiranya Naabha Suthapaa Padhmanaabha Prajaapathi:
22 Amruthyu: Sarva Dhrik Simha: Sandhaathaa Sandhimaam Sthira:
Ajo Dhurmarshana Saasthaa Visruthaathmaa Suraarihaa
23 Gurur Guruthamo Dhaama Sathya: Sathya Paraakrama:
Nimisho Animisha Sragvee Vaachaspathir Udhaarathee:
24 Agraneer Graamanee: Sreemaan Nyaayo Nethaa Sameerana:
Sahasra Moordhaa Viswaathmaa Saharaaksha Sahasra Paadh
25 Aavarthano Nivruththaathma Samvrutha Sampra Mardhana:
Aha: Samvarthako Vahnnir Anilo Dharanee Dhara:
26 Suprasaadha Prasannaathmaa Viswa Dhrig Viswa Bhug Vibhu:
Sathkarthaa Sathkritha Saadhur Jahnur Naaraayano Nara:
27 Asamkyeyo Prameyaathmaa Visishta Sishta Krich Suchi:
Sidhdhaartha Sidhdha Sankalpa Sidhdhitha Sidhdhi Saadhana:
28 Vrishaahee Vrishabho Vishnu: Vrisha Parvaa Vrishodhara:
Vardhano Vardha Maanascha Viviktha Sruthi Saagara:
29 Subhujo Dhurdharo Vaagmee Mahendhro Vasudho Vasu:
Naika Roopo Brihath Roopa Sipi Vishta Prakaasana:
30 Ojasthejo Dhyudhidhara: Prakaasaathma Prathaapana:
Ridhdha Spashtaaksharo Manthra: Chandhraamsur Bhaaskara Dhyuthi:
31 Amruthaam Soodhbhavo Bhaanu: Sasa Bhindhu: Sureswara:
Oushadham JagathaSethu: Sathya Dharma Paraakrama:
32 Bhootha Bhavya Bhavan Naatha: Pavana: Paavano Nala:
Kaamahaa Kaama Krith Kaantha: Kaama: Kaamapradha Prabhu:
33 Yugaadhi Krith Yugaa Vartho Naika Maayo Mahaasana:
Adhrisyo Vyaktha Roopascha Sahasra Jidh Anantha Jidh
34 Ishto Visishta Sishtetta: Sikhandee Nahusho Vrisha:
Krodhahaa Krodha Krith Karthaa Viswa Bhaahur Maheedhara:
35 Achyutha Prathitha Praana: Praanadho Vaasavaanuja:
Apaam Nidhir Adhishtaanam Appramaththa Prathishtitha:
36 Skandha Skandhadharo Dhuryo Varadho Vaayu Vaahana:
Vaasudhevo Brihath Bhaanur Aadhidheva: Purandhara:
37 Asoka Sthaarana Sthaara: Soora Sourir Janeswara:
Anukoola Sathaavartha: Padhmee Padhma Nibhekshana:
38 Padhmanaabho Aravindhaaksha: Padhma Garbha: Sareera Bhrith
Mahardhdhi Ridhdho Vridhdhaathmaa Mahaaksho Garuda Dhwaja:
39 Athula Sarabho Bheema: Sama Yagno Havir Hari:
Sarva Lakshana Lakshanyo Lakshmeevaan Samithim Jaya:
Viksharo Rohitho Maargo Hethur Dhaamodhara Saha:
Maheedharo Mahaabhaago Veghavaan Amithaasana:
41 Udhbhava: Kshobhano Dheva: Sree Garbha Parameswara:
Karanam Kaaranam Karthaa Vikarthaa Gahano Guha:
42 Vyavasaayo Vyavasthaana Samsthaana Sthaanadho Dhruva:
Parardhdhi Parama Spashta Sthushta Pushta Subhekshana:
43 Ramo Viraamo Viratho Maargo Neyo Nayo Naya:
Veera Sakthi Mathaam Sreshto Dharmo Dharma Vidhuththama:
44 Vaikunta Purusha Praana: Praanadha Pranava Prudhu:
Hiranya Garbha Sathrugno Vyaaptho Vaayu Rathokshaja:
45 Rithu: Sudharsana Kaala: Parameshtee Parigraha:
Ugra: Samvatsaro Dhaksho Visraamo Viswa Dhakshina:
46 Visthaara Sthaavara Sthaanu: Pramaanam Bheejam Avyayam
Artho Nartho Mahaakoso Mahaabhogo Mahaadhana:
47 Anirvirnna Sthavishto Bhoo: Dharma Yoopo Mahaa Makha:
Nakshathra Nemir Nakshathree Kshama Kshaama Sameehana:
48 Yagna Eejyo Mahejyascha Krathu: Sathram Sathaam Gathi:
Sarva Dharsee Vimukthaathma Sarvagno Gnaanam-Uththamam
49 Suvratha Sumukha Sookshma Sughosha Sukhadha Sukrith
Manoharo Jitha Krodho Veera Bhahur Vidhaarana:
50 Swaapana Swavaso Vyaapee Naikaathmaa Naika Karma Krith
Vathsaro Vathsalo Vathsee Rathna Garbho Dhaneswara:
51 Dharmagub Dharma Kridh Dharmee Sadha Sadhkshara Maksharam
Avignaathaa Sahasraamsu: Vidhaathaa Kritha Lakshana:
52 Gabhasthinemi: Sathwastha: Simho Bhootha Maheswara:
Aadhidhevo Mahaadhevo Dheveso Dhevbridh Guru:
53 Uththaro Gopathir Gopthaa Gnaana Gamya: Puraathana:
Sareera Bhootha Brith Bhoktha Kapeendhro Bhoori Dhakshina:
54 Somapo Amruthapa Soma: Purujith Purusaththama:
Vinayo Jaya Sathya Sandho Dhaasaarha Saathwathaam Pathi:
Jeevo Vinayithaa Saakshi: Mukundho Amitha Vikrama:
Ambho Nidhir Ananthaathmaa Maho Dhadhisayo Anthaka:
56 Ajo Mahaarha Swaabhaavyo Jidhaamithra Pramodhana:
Aanandho Nandhano Nandha: Sathya Dharmaa Thri Vikrama:
57 Maha Rishi: Kapila Acharya: Krithagno Medhinee Pathi:
Thripadha Sthri Dasa-Adhyaksho Mahaa Sringa Krithaantha Krith
58 Mahaa Varaaho Govindha Sushena Kanakaam Gadhee
Guhyo Gabheero Gahano Guptha Chakra Gadhaa Dhara:
59 Vedhaa Swaango Jidha Krishno Dhrida Sankarshano Achyutha:
Varuno Vaaruno Vriksha: Pushkaraaksho Mahaamanaa:
60 Bhagavaan Bhagahaa Nandhee Vanamaalee Halaayudha:
Aadhithyo Jyothir Aadhithya: Sahishnur Gathi Saththama:
61 Sudhanvaa Khanda Parasur Dhaaruno Dhravina Pradha:
Dhiva Sprik Sarva Dhrig Vyaaso Vaachaspathir Ayonija:
62 Thrisaama Saamaga: Saama Nirvaanam Bheshajam Bhishag
Sanyaasa Krichchama Saantho Nishtaa Saanthi Paraayanam
63 Subhaanga Saanthidha Srashtaa Kumudha Kuvalesaya:
Gohitho Gopathir Gopthaa Vrishabhaaksho Vrisha Priya:
64 Anivarthee Nivruththa Athma Samksheptaa Kshemakrith Siva:
Sree Vatsa Vakshaa: Sreevasa: Sree Pathi: Sree Mathaam Vara:
65 Sreedha: Sreesa: Sreenivaasa: Sreenidhi: Sree Vibhaavana:
Sreedhara: Sreekara: Shreya: Sreemaam Loka Thrayaasraya:
66 Swaksha: Swamga: Sathaanandho Nandhir Jyothir Ganeswara:
Vijithaathmaa Vidheyaathmaa Sath Keerthir Chinna Samsaya:
67 Udheerna Sarvatha Chakshu: Aneesa Saaswatha Sthira:
Bhoosayo Bhooshano Bhoothir Visoka Soka Naasana:
68 Archishmaan Architha: Kumbho Visudhdha-Athma Visodhana:
Anirudhdho Pradhiratha: Pradhyumno Mitha Vikrama:
69 Kaala Nemi Nihaa Veera: Souri Soora Janeswara:
Thri Lokaathmaa Thri Lokeasa Kesava Kesihaa Hari:
Kaamadheva Kaamapaala Kaamee Kaantha Krithaa Gama:
Anir Dhesya Vapur Vishnur Veero Nantho Dhanan Jaya:
71 Brahmanyo Brahmakrith Brahmaa Brahma Brahma Vivardhana:
Brahmavidh Braahmano Brahmee Brahmmagno Braahmana Priya:
72 Mahaakramo Mahaakarmaa Mahaathejo Mahoraga:
Mahaakrathur Mahaayajwa Mahaayagno Mahaahavi:
73 Sthavya Sthavapriya: Sthothram Sthuthi Sthotha Rana Priya:
Poorna Poorayitha Punya Punya Keerthir Anaamaya:
74 Manojavs Theerthakaro Vasu Retha Vasu Pradha:
Vasu Pradho Vaasudhevo Vasur Vasumanaa Havi:
75 Sadhgathi: Sathkrithi: Saththa Sathbhoothi Sath Paraayana:
Sooraseno Yadhusreshta: Sannivaasa: Suyaamuna:
76 Bhoothaavaaso Vaasudheva: Sarvaasu Nilayo Nala:
Dharpahaa Dharpadho Dhruptho Dhurdharotha-Aparajitha:
77 Viswa Moorthir Mahaa Moorthir Dheeptha Moorthir Amoorthiman
Aneka Moorthir Avyaktha: Satha Moorthi: Satha Anana:
78 Eko Naika: Sava: Ka: Kim Yaththath Padham Anuththamam
Loka Bhandhur Loka Naatho Maadhavo Bhaktha Vatsala:
79 Suvarna Varno Hemaango Varaangas Chandhanam Gathee
Veerahaa Vishama Soonyo Gridhaaseer Achalas Chala:
80 Amaanee Maanadho Maanyo Lokaswaamee Thriloka Dhrik
Sumedhaa Medhajo Dhanya: Sathya Medhaa Dharaa Dhara:
81 Thejo Vrisho Dhyuthi Dhara: Sarva Sasthra Bhrithaam Vara:
Pragraho Nigraho Vyagro Naika Sringo Gadhaagraja:
82 Chathur Moorthis Chathur Bhaahu Chathur Vyoohas Chathur Gathi:
Chathur Aathma Chathur Bhaava Chathur Vedha Vidheka Paath
83 Samaavartho Nivriththa Athma Dhurjayo Dhurathi Krama:
Dhurlabho Dhurgamo Dhurgo Dhuraavaso Dhuraarihaa
84 Subhaango Loka Saaranga: Suthanthu Sthanthu Vardhana:
Indhra Karmaa Mahaa Karmaa Kritha Karmaa Kritha Agama:
Udhbhava: Sundhara Sundho Rathna Naabha: Sulochana:
Arko Vaaja Sana Sringhee Jayantha Sarva Vijjayee
86 Suvarna Bindhur Akshobhya: Sarva Vaagheees Swares Swara:
Mahaa Hradho Mahaa Gaartho Mahaa Bhootho Mahaa Nidhi:
87 Kumudha: Kundhara: Kundha: Parjanya Paavano Nila:
Amruthaamso Amrutha Vapu: Sarvagna: Sarvatho Mukha:
88 Sulabha: Suvratha: Sidhdha: Sathru Jith Sathru Thaapana:
Nyagro Dhodhumbharo Schwatha Chaanooraandhra Nishoodhana:
89 Sahasraar Archee Saptha Jihva: Sapthidhaa Saptha Vaahana:
Amoorthir Anagho Chinthyo Bhaya Krith Bhaya Naasana:
90 Anur Bhrihath Krisa Sthoolo Guna Brin Nirguno Mahaan
Adhrutha Swadhrutha Swaasthya: Praagvamso Vamsa Vardhana:
91 Bhaara Bhrith Kathitho Yogee Yogeesa Sarva Kaamadha:
Aasrama Sramana: Kshaama: Suparno Vaayu Vaahana:
92 Dhanur Dharo Dhanur Vedho Dhando Dhamayithaa Dhama:
Aparaajitha Sarva Saho Niyanthaa Niyamo Yama:
93 Sathvavaan Sathvika Sathya: Sathya Dharma Paraayana:
Abhipraaya Priyaar Horha: Priyakrith Preethi Vardhana:
94 Vihaayasa Gathir Jyothi: Suruchir Hutha Bhug Vibhu:
Ravir Virochana: Soorya: Savithaa Ravi Lochana:
95 Anantho Hutha Bhug Bhokthaa Sukhatho Naikahajo Graja:
Anir Vinna Sadhaa Marshee Lokaadhishtaanam Adhbhudha:
96 Sanaath Sanaathana Thama: Kapila: Kapir Avyaya:
Swasthidha Swasthikrith Swasthee Swasthi Bhuk Swasthi Dhakshina:
97 Aroudhra: Kundalee Chakree Vikramyoor Jitha Saasana:
Sabdhaa Dhiga Sabdha Saha: Sisira Sarvaree Kara:
98 Akroora Pesalo Dhaksho Dhakshina: Kshaminaam Vara:
Vidhvaththamo Veetha Bhaya: Punya Sravana Keerthana:
99 Uththaarano Dhushkrithiha Punyo Duswapna Naasana:
Veerahaa Rakshana Sandho Jeevana: Paryava Sthitha:
Anantha Roopo Nantha Sree Jitha Manyur Bhayaapaha:
Chathur Asro Gabheer Aathmaa Vidhiso Vyaadhiso Dhisa:
101 Anaadhir Bhoor Bhuvo Lakshmee: Suveero Ruchir Aangadha:
Janano Jana Janmaadhir Bheemo Bheema Paraakrama:
102 Aadhara Nilayo Dhaathaa Pushpa Haasa Prajaagara:
Oordhvaga: Sathpaththa Chara: Praanadha Pranava Pana:
103 Pramaanam Praana Nilaya: Praana Bhrith Praana Jeevana:
Thathvam Thathva Vidheka-Athmaa Janma Mrithyu Jaraathiga:
104 Bhoor Bhuvswa Stharu Sthaara: Savithaa Prapithaa Maha:
Yagno Yagna Pathir Yajwaa Yagnaango Yagna Vaahana:
105 Yagna Bhridh Yagna Krith Yagnee Yagnabhug Yagna Saadhana:
Yagnaantha Kridh Yagna Guhyam Annam Annadha Eva Cha
106 Aathma Yoni Swayam Jaatho Vaikhaana Saama Gaayana:
Dhevakee Nandhana Srashtaa Kshitheesa: Paapa Naasana:
107 Sankha Brin Nandhakee Chakree Saarngha Dhanvaa Gadhaa Dhara:
Rathaanga Paanir Akshobhya: Sarva Praharana-Ayudha:
Sarva Praharana-Ayudha Om Nama Ithi
108 Vanamaalee Gadhee Saarnghee Sankhee Chakree Cha Nandhakee
Sreemaan Naaraayano Vishnur Vaasudhevo Abhi Rakshathu
Vaasudhevo Abhi Rakshathya Om Nama Ithi
1 Edheetham Keerthanee Yasya Kesavasya Mahaath Mana:
Namnaam Sahasram Dhivyaanaam Aseshena Prakeertha Yeth
2 Ya Edham Srunuyaan Nithyam Yaschaapi Pari Keerthayeth
Naasubham Prapnuyaath Kimchith Somuthreha Cha Maanavaa:
3 Vedhaanthago Braahmana Syaath Kshathriyo Vijayee Bhaveth
Vaisyo Dhana Samrudhdhasyath Soodhra Sukham Avapnuyaath
4 Dharmma-Arthee Praapnuyaath Dharmam
Arththa-Arththee Cha-Artham Aapnuyaath
Kamaan-Avaapnuyaath Kaamee
Prajaarthee Chaapnuyaath Prajaam
5 Bhakthimaan Ya Sadhoththaya Suchis Thathgatha Maanasa:
Sahasram Vaasudhevasya Naamnam Ethath Prakeerthayeth
6 Yasa: Praapnothi Vipulam Yaathi Praadhaanyam Eva Cha
Achalaam Sriyam Aapnothi Sreya Praapnothy Anuththamam
7 Na Bhayam Kvachith Aapnothi Veeryam Thejascha Vindhathi
Bhavathya Rogo Dhyuthimaan Balaroopa Gunaanvitha:
8 Rogaartho Muchyathe Rogaath Bhadhdho Muchyetha Bhandhanaath
Bhayaan Muchyetha Bheethasthu Muchyeth Aapanna Aapadha:
9 Dhurgaanyathi Tharathy Aasu Purusha Purushoththamam
Sthuvan Naama Sahasrena Nithyam Bhakthi Samanvitha:
10 Vaasudheva Asrayo Marthyo: Vaasudheva Paraayana:
Sarva Paapa Visudhdha Athmaa Yaathi Brahma Sanaathanam
11 Na Vaasudheva Bhakthaanaam Asubham Vidhaythe Kvachith
Janma Mruthyu Jaraa Vyaadhi Bhayam Naivopa Jaayathe
12 Imam Sthavam Adheeyana: Sradhdhaa Bhakthi Samanvitha:
Yujyeth Aathma Sukha Kshaanthi Sree Dhrithi Smruthi Keerthibhi:
13 Na Krodho Na Cha Maathsaryam Na Lobho Naasubhaa Mathi:
Bhavanthi Kritha Punyaanaam Bhakthaanam Purushoththame
14 Dhyou: Sa Chandhraarka Nakshathram Kham Dhiso Bhoor Mahodhadhi:
Vaasudhevasya Veeryena Vidhruthaani Maha-Athmana:
15 Sa Suraa Sura Gandharvam Sa Yaksho Raga Raakshasam
Jagadh Vase Varthath Etham Krishnasya Sa Charaa Charam
16 Indhriyaani Mano Budhdhi: Sathvam Thejo Bhalam Dhrithi:
Vaasudhevaath Makaan Yahu: Kshethram Kshethragna Eva Cha
17 Sarvaa Gamaanaam Aachaara: Prathamam Pari Kalpathe
Aachaara Prabhavo Dharmo Dharmasya Prabhur Achyutha:
18 Rishaya Pitharo Dhevaa Mahaa Bhoothani Dhaathava:
Jangamaa Jangamam Jetham Jagan Naaraayanodh Bhavam
19 Yogo Gnaanam Thathaa Saamkyam Vidhyaa: Silpaathi Karma Cha
Vedhaa: Saasthraani Vignaanam Ethath Sarvam Janaardhanaath
Eko Vishnur Mahath Bhootham Prithag Bhoothany Anekasa:
Threen Lokaan Vyapya Bhootha Athmaa Bhungthe Viswa Bhugavyaya:
21 Imam Sthavam Bhagavatho Vishnor Vyaasena Keerthitham
Patedhya Ichcheth Purusha: Sreya: Praapthum Sukhaani Cha
22 Visweswaram Ajam Dhevam Jagatha: Prabhum Avyayam
BhajanthiYe Pushkaraaksham Na The Yaanthi Paraabhavam
Na The Yaanthi Paraa Bhava Om Nama Ithi
Sree Arjuna Uvaacha
23 Padhma Pathra Visaalaaksha Padhma Naabha Suroththama
Bhakthaanaam Anurakthaanaam Thraadhaa Bhava Janaardhana
Sree Bhagavaan Uvaacha
24 Yo Maam Naama Sahasrena Sthothum Ichchathi Paandava
So Aham Ekena Slokena Sthutha Eva Na Samsaya:
Sthutha Eva Na Samsaya On Nama Ithi
Sree Vyaasa Uvaacha
25 Vaasanaath Vaasudhevasya Vaasitham Bhuvana Thrayam
Sarva Bhootha Nivaasosi Vaasudheva Namosthuthe
Vaasudheva Namosthu Tha Om Nama Ithi
Sree Paarvathyu Uvaacha
26 Kenopaayena Laghunaa Vishnor Naama Sahasrakam
Patyathe Pandithair Nithyam Srothum Ichchaamy Aham Prabho
Sree Eeswara Uvaacha
27 Sree Raama Raama Raamethi Rame Raame Manorame
Sahasra Naama Thaththullyam Raama Naama Varaanane
Sree Raama Naama Varaanana Om Nama Ithi
Sree Brahmo Uvaacha
Namosthuv Ananthaaya Sahasra Moorthaye
Sahasra Paadhaakshi Siroru Bhahave
Sahasra Naamne Purushaaya Saasvathe
Sahasra Koti Yuga Dhaarine Nama:
Sahasra Koti Yuga Dhaarina Om Nama Ithi
Sree Sanjaya Uvaacha
29 Yathra Yogeswara Krishno Yathra Paartho Dhanur Dhara:
Thathra Sreer Vijayo Bhoothir Dhruvaa Neethir Mathir Mama:
Sree Bhagavaan Uvaacha
30 Ananyaa Chchinthayan Tho Maam Ye Janaa: Paryupaasathe
Theshaam Nithyaabhi Yukthaanaam Yoga Kshemam Vahaamyaham
31 Pari Thraanaya Saadhoonaam Vinaasaaya Cha Dhushkrithaam
Dharma Samsthaapa Naarthaaya Sambhavaami Yuge Yuge
32 Aarthaa Vishannaa Sithilaascha Bheethaa:
GhoreshuChaVyaadhishu Varthamaanaa:
Samkeerthya Naaraayana Sabdha Maathram
Vimuktha Dhukkhaa Sukhino Bhavanthu
33 Kaayena Vaachaa Manasendhrier Va
Bhudhdhya Athmanaava Prakrithe Swabhaavaath
Karomi Yadhyath Sakalam Parasmai
Naarayanaa Yethi Samarpayaami.
copyReformattedPrayer

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Shri Sai Satcharitra - Chapter III - Sai Baba’s Sanction and Promise - Assignment of Work to Devotees - Baba’s Stories as Beacon - Light - His Motherl

Sai Baba’s Sanction and Promise
As described in the previous chapter, Sai Baba gave His complete assent to the writing of the Sat-Charita and said, "I fully agree with you regarding the writing of Sat Charita. You do your duty, don’t be afraid in the least, steady your mind and have faith in My words. If my Leelas are written, the Avidya (nescience) will vanish and if they are attentively, and devoutly listened to, the consciousness of the worldly existence will abate, and strong waves of devotion, and love will rise up and if one dives deep into My Leelas, he would get precious jewels of knowledge."
Hearing this, author was much pleased, and he at once became fearless and confident, and thought that work was bound to be a success. Then turning to Shama (Madhavrao Deshpande) Sai Baba said.
"If a man utters My name with love, I shall fulfill all his wishes, increase his devotion. And if he sings earnestly My life and My deeds, him I shall beset in front and back and on all sides. Those devotees, who are attached to Me, heart and soul, will naturally feel happiness, when they hear these stories. Believe Me that if anybody sings My Leelas, I will give him infinite joy and everlasting contentment. It is My special characteristic to free any person, who surrenders completely to Me, and who does worship Me faithfully, and who remembers Me, and meditates on Me constantly. How can they be conscious of worldly objects and sensations, who utter My name, who worship Me, who think of My stories and My life and who thus always remember Me? I shall draw out My devotees from the jaws of Death. If My stories are listened to, all the diseases will be got rid of. So, hear My stories with respect; and think and meditate on them, assimilate them. This is the way of happiness and contentment. The pride and egoism of My devotees will vanish, the mind of the hearers will be set at rest; and if it has wholehearted and complete faith, it will be one with Supreme Consciousness. The simple remembrance of My name as ‘Sai, Sai’ will do away with sins of speech and hearing".
Different Works Assigned to Devotees
The Lord entrusts different works to different devotees. Some are given the work of building temples and maths, or ghats (flight of steps) on rivers; some are made to sing the glories of God; some are sent on pilgrimages; but to me was allotted the work of writing the Sat Charita. Being a jack of all trades but master of none, I was quite unqualified for this job. Then why should I undertake such a difficult job? Who can describe the true life of Sai Baba? Sai Baba’s grace alone can enable one to accomplish this difficult work. So, when I took up the pen in my hand, Sai Baba took away my egoism and wrote Himself His stories. The credit of relating these stories, therefore, goes to Him and not to me. Though Brahmin by birth, I lacked the two eyes. (i.e. the sight or vision) of Shruti and Smriti and therefore was not at all capable of writing the Sat-Charita, but the grace of the Lord makes a dumb man talk, enables a lame man to cross a mountain. He alone knows the knack of getting things done as He likes. Neither the flute, nor the harmonium knows how the sounds are produced. This is the concern of the Player. The oozing of Chandrakant jewel and the surging of the sea are not due to the jewel and the sea but to the rise of the moon.
Baba’s Stories as Beacon- Light
Light houses are constructed at various places in the sea, to enable the boatmen to avoid rocks and dangers, and make them sail safely. Sai Baba’s stories serve a similar purpose in the ocean of worldly existence. They surpass nectar in sweetness, and make our worldly path smooth and easy to traverse. Blessed are the stories of the saints. When they enter our hearts through the ears, the body - consciousness or egoism and the sense of duality vanish; and when they are stored in the heart, doubts fly out to all sides, pride of the body will fall, and wisdom will be stored in abundance. The description of Baba’s pure fame, and the hearing of the same, with love, will destroy the sins of the devotee and, therefore, this is the simple Sadhana for attaining salvation. The Sadhana for Krita Age was Shamadama (tranquillity of mind and body), for Treta Age, sacrifice, for Dwapara, worship, and for Kali (present) Age, it is singing of the name and glory of the Lord. This last Sadhana is open to all the people of the four varnas (Brahmins, etc.). The other Sadhanas, viz. Yoga, Yagya (sacrifice), Dhyana (meditation) and Dharana (concentration) are very difficult to practice, but singing and hearing the stories and the glory of the Lord (Sai Baba) is very easy. We have only to turn our attention towards them. The listening and singing of the stories will remove the attachment to the senses and their objects, and will make the devotees dispassionate, and will ultimately lead them to self-realization. With this end in view, Sai Baba made me or helped me to write His stories, Sat-Charitamrita. The devotees may now easily read and hear these stories of Sai Baba and while doing so, meditate on Him, His form and thus attain devotion to Guru and God (Sai Baba), get detachment and self-realization. In the preparation and writing of this work, Sat-Charitamrita, it is Sai Baba’s grace which has accomplished everything, making use of me as a mere instrument.
Motherly Love of Sai Baba
Everybody knows how a cow loves her infant calf. Her udder is always full and when the calf wants milk and dashes at the udder, out comes the milk in an unceasing flow. Similarly a human mother knows the wants of her child and feeds it, at her breast in time. In case of dressing and adorning the child, the mother takes particular care to see that this is well done. The child knows or cares nothing about this, but the mother’s joy knows no bounds, when she sees her child beautifully dressed and adorned. The love of mother is peculiar, extraordinary and disinterested, and has no parallel. Sadgurus feel this motherly love towards their disciples. Sai Baba had this same love towards me, and I give an instance of it below:-
In 1916 A.D. I retired from Government Service. The pension that was settled in my case was not sufficient to maintain my family decently. On Guru-Pournima (15th of Ashadha) day of that year, I went to Shirdi with other devotees. There, Mr. Anna Chinchanikar, of his own accord, prayed to Baba for me as follows:- "Please look kindly on him, the pension he gets is quite insufficient, his family is growing. Give him some other appointment, remove his anxiety and make him happy." Baba replied - " He will get some other job, but now he should serve Me and be happy. His dishes will be ever full and never empty. He should turn all his attention towards Me and avoid the company of atheists, irreligious and wicked people. He should be meek and humble towards all and worship Me heart and soul. If he does this, he will get eternal happiness".
The question Who is this HE, Whose worship is advocated, is already answered in a note on "Who is Sai Baba" in the prologue, at the beginning of this work.
Rohilla’s Story
The story of the Rohilla illustrates Sai Baba’s all embracing love. One Rohilla, tall and well-built, strong as a bull, came to Shirdi, wearing a long Kafni (robe) and was enamoured of Sai who stayed there. Day and night he used to recite in a loud and harsh tone Kalma (verses from Holy Koran) and shout "ALLAH HO AKBAR" (God is Great). Most people of Shirdi, were working in their fields by day and when they returned to their homes at night, they were welcomed with the Rohilla’s harsh cries and shouts. They could get no sleep and felt much trouble and inconvenience. They suffered in silence this nuisance for some days, and when they could stand it no longer, they approached Baba, and requested Him to check the Rohilla and stop the nuisance. Baba did not attend to their complaint. On the contrary, Baba took the villagers to task, and asked them to mind their own business, and not the Rohilla. He said to them that the

Rohilla had got a very bad wife, a Zantippi, who tried to come in and trouble the Rohilla and Himself; but hearing the Rohilla’s prayers, she dare not enter and they were at peace and happy. In fact, the Rohilla had no wife and by his wife Baba meant DURBUDDHI, i.e. bad thoughts. As Baba liked prayers and cries to God better than anything else, He took the side of the Rohilla, and asked the villagers to wait and suffer the nuisance, which would abate in due course.
Baba’s Sweet and Nectar-like Words
One day at noon after the Arti, devotees were returning to their lodgings, when Baba gave the following beautiful advice:-
"Be wherever you like, do whatever you choose, remember this well that all what you do is known to Me. I am the Inner Ruler of all and seated in their hearts. I envelope all the creatures, the movable and immovable world. I am the Controller - the wire-puller of the show of this Universe. I am the mother - origin of all beings - the Harmony of three Gunas, the propeller of all senses, the Creator, Preserver and Destroyer. Nothing will harm him, who turns his attention towards Me, but Maya will lash or whip him who forgets Me. All the insects, ants, the visible, movable and immovable world, is My Body or Form".
Hearing these beautiful and precious words, I at once decided in my mind to serve no man henceforward, but my Guru only; but the reply of Baba to Anna Chinchanikar’s query (which was really mine) that I would get some job, began to revolve in my mind, and I began to think whether it would come to happen. As future events showed, Baba’s words came true and I got a Government job, but that was of short duration. Then I became free and solely devoted my self to the service of my Guru-Sai Baba.
Before concluding this Chapter, I request the readers to leave out the various hindrances viz. indolence, sleep, wandering of mind, attachments to senses, etc. and turn their whole and undivided attention to these stories of Sai Baba. Let their love be natural, let them know the secret of devotion; let them not exhaust themselves by other Sadhanas, let them stick to this one simple remedy, i.e. listening to Sai Baba’s stories. This will destroy their ignorance and will secure for them salvation. A miser may stay at various places; but he always thinks of his buried treasure. So let Sai Baba be enthroned in the hearts of all.
In the next chapter, I shall speak of Sai Baba’s advent in Shirdi.

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Shri Sai Satcharitra - Chapter II - Object of Writing the Work - Incapacity and Boldness in the Undertaking - Hot Discussion - Conferring Significant

Object of Writing the Work
In the first chapter, I described Sai Baba’s miracle of checking and destroying the epidemic of Cholera by grinding wheat and throwing the flour, on the outskirts of the village. I heard other miracles of Sai Baba to my great delight, and this delight burst forth into this poetic work. I also thought, that the description of these grand miracles of Sai Baba would be interesting, and instructive to His devotees; and would remove their sins, and so I began to write the sacred life and teachings of Sai Baba. The life of the saint is neither logical nor dialectical. It shows us the true and great path.
Incapacity and Boldness in Undertaking the Work
Hemadpant thought that he was not a fit person to undertake the work. He said, "I do not know the life of my intimate friend nor do I know my own mind, then how can I write the life of a saint or describe the nature of Incarnations, which even the Vedas were unable to do? One must be a saint himself, before he could know other saints, then how can I describe their glory? To write the life of a saint is the most difficult, though one may as well measure the depth of the water of the seven seas or enclose the sky with cloth-trappings. I knew, that this was the most venturous undertaking, which might expose me to ridicule. I, therefore, invoked Sai Baba’s grace.
The premier poet-saint of Maharashtra, Shri Jnaneshwar Maharaj, has stated that the Lord loves those who write the lives of saints; and the saints also have a peculiar method of their own of getting the service, which the devotees long for, successfully accomplished. The saints inspire the work, the devotee becomes only an indirect cause or instrument to achieve the end. For instance, in 1700 Shaka year, the poet Mahipati aspired to write the lives of saints. Saints inspired him, and got the work done; so also in 1800 Shaka year, Das Ganu’s service was accepted. The former wrote 4 works-Bhakta Vijaya, Santa Vijaya, Bhakta Leelamrit and Santa Kathamrit, while the latter wrote two - "Bhakta Leelamrit and Santa Kathamrit", in which the lives of modern Saints were described. In chapters 31,32,33 of Bhakta Leelamrit and in chapter 57 of Santa Kathamrit, the sweet life and teachings of Sai Baba are very well depicted. These have been separately published in Sai Leela Magazine, Nos. 11 and 12, Vol. 17; the readers are advised to read these chapters. So also Sai Baba’s wonderful Leelas are described in a small decent book named Shri Sainath Bhajana Mala by Mrs. Savitribai Raghunath Tendulkar of Bandra. Das-Ganu Maharaj also has composed various sweet poems on Sai Baba. A devotee named Amidas Bhavani Mehta, has also published some stories of Sri Baba in Gujarathi; some Nos. of Sainath Prabha, a magazine published by Dakshina Bhiksha Sanstha of Shirdi, are also published. Then the question of objection comes in, that while so many works regarding Sai Baba are extant, why should this (Satcharita) be written? and where is its necessity?
The answer is plain and simple. The life of Sai Baba is as wide and deep as the infinite ocean; and all can dive deep into the same and take out precious gems (of knowledge and Bhakti), and distribute them to the aspiring public. The stories, parables, and teachings of Sai Baba are very wonderful. They will give peace and happiness to the people, who are afflicted with sorrows and heavily loaded with miseries of this worldly existence, and also bestow knowledge and wisdom, both in the worldly and in spiritual domains. If these teachings of Sai Baba, which are as interesting and instructive as the Vedic lore, are listened to and meditated upon, the devotees will get, what they long for, viz., union with Brahman, mastery in eight-fold Yoga, Bliss of meditation etc. So I thought, that I should call these stories together that would be my best Upasana. This collection would be most delightful to those simple souls, whose eyes were not blessed with Sai Baba’s darshana. So, I set about collecting Sai Baba’s teachings and expressions - the outcome of His boundless and natural self-realization. It was Sai Baba, who inspired me in this matter; in fact, I surrendered my ego at His feet, and thought that my path was clear; and that He would make me quite happy here, and in the next world.
I could not myself ask Sai Baba to give me permission for this work; so I requested Mr. Madhavrao Deshpande alias Shama, Baba’s most intimate devotee, to speak to Him for me. He pleaded for my cause and said to Sai Baba, "This Annasaheb wishes to write Your biography, don’t say that You are a poor begging Fakir, and there is no necessity to write it, but if You agree and help him, he will write or rather, Your feet (grace) will accomplish the work. Without Your consent and blessing, nothing can be done successfully." When Sai Baba heard this request, He was moved and blessed me by giving me His Udi (sacred ashes) and placing His boon-bestowing hand on my head said :- "Let him make a collection of stories and experiences, keep notes and memos; I will help him. He is only an outward instrument. I should write Myself My autobiography and satisfy the wishes of My devotees. He should get rid of his ego, place (or surrender) it at My feet. He who acts like this in life, him I help the most. What of My life-stories? I serve him in his house in all possible ways. When his ego is completely annihilated and there is left no trace of it, I Myself shall enter into him and shall Myself write My own life. Hearing my stories and teachings will create faith in devotees’ hearts and they will easily get self - realization and Bliss; let there be no insistence on establishing one’s own view, no attempt to refute other’s opinions, no discussions of pros and cons of any subject."
The word ‘discussion’ put me in mind of my promise to explain the story of my getting the title of Hemadpant and now I begin to relate the same. I was on close friendly terms with Kakasaheb Dixit and Nanasaheb Chandorkar. They pressed me to go to Shirdi and have Baba’s darshana, and I promised them to do so. But something in the interval turned up, which prevented me from going to shirdi. The son of a friend of mine at Lonavala fell ill. My friend tried all possible means, physical and spiritual, but the fever would not abate. At length he got his Guru to sit by the bed-side of his son, but this too was of no avail. Hearing this, I thought ‘what was the utility of the Guru, if he could not save my friend’s son? If the Guru can’t do anything for us, why should I go to Shirdi at all?’ Thinking in this way, I postponed my Shirdi-trip; but the inevitable must happen and it happened in my case as follows : - Mr. Nanasaheb Chandorkar, who was a Prant Officer, was going on tour to Bassein. From Thana he came to Dadar and was waiting for a train bound for Bassein. In the meanwhile, a Bandra Local turned up. He, sat in it and came to Bandra; and sent for me and took me to task for putting off my Shirdi trip. Nana’s argument for my Shirdi trip was convincing and delightful, and so I decided to start for Shirdi, the same night. I packed up my luggage and started for Shirdi. I planned to go to Dadar and there to catch the train for Manmad, and so I booked myself for Dadar and sat in the train. While the train was to start, a Mahomedan came hastily to my compartment and seeing all my paraphernalia, asked me where I was bound to. I told him my plan. He then suggested that I should straight go to Boribunder, and not get down at Dadar, for the Manmad Mail did not get down at Dadar at all. If this little miracle or Leela had not happened, I would not have reached Shirdi next day as settled, and many doubts would have assailed me. But that was not to be. As fortune favoured me, I reached Shirdi the next day before 9 or 10 A.M. Mr. Bhausaheb (Kaka) Dixit was waiting for me there. This was in 1910 A.D., when there was only one place, viz., Sathe’s Wada for lodging pilgrim devotees. After alighting from the Tonga, I was anxious to have darshana, when the great devotee, Tatyasaheb Noo

lkar returned from the Masjid and said that Sai Baba was at the corner of the Wada, and that I should first get the preliminary darshana and then, after bath, see Him at leisure. Hearing this I ran and prostrated before Baba and then my joy knew no bounds. I found more than what Nana Chandorkar had told me. All my senses were satisfied and I forgot thirst and hunger. The moment I touched Sai Baba’s feet, I began a new lease of life. I felt myself much obliged to those who spurred and helped me to get the darshana; and I considered them as my real relatives, and I cannot repay their debt. I only remember them and prostrate (mentally) before them. The peculiarity of Sai Baba’s darshana, as I found it, is that by His darshana our thoughts are changed, the force of previous actions is abated and gradually non-attachment of dispassion towards worldly objects grows up. It is by the merit of actions in many past births that such darshana is got, and if only you see Sai Baba, really all the world becomes or assumes the form of Sai Baba.
Hot Discussion
On the first day of my arrival in Shirdi, there was a discussion between me and Balasaheb Bhate regarding the necessity of a Guru. I contended, "Why should we lose our freedom and submit to others? When we have to do our duty, why a Guru is necessary? One must try his best and save himself. What can the Guru do to a man who does nothing but sleeps indolently?" Thus I pleaded freewill, while Mr. Bhate took up the other side, viz., Destiny, and said, "Whatever is bound to happen must happen; even great men have failed, man proposes one way, but God disposes the other (contrary) way. Brush aside your cleverness; pride or egoism won’t help you." This discussion, with all its pros and cons went on for an hour or so, and as usual no decision was arrived at. We had to stop the discussion ultimately as we were exhausted. The net result of this was that I lost my peace of mind and found that unless there is strong body-consciousness and egoism, there would be no discussion; in other words, it is egoism which breeds discussion.
Then when we went to the Masjid with others, Baba asked Kakasaheb Dixit the following:-
"What was going on in the (Sathe’s) Wada? What was the discussion about?" and staring at me, Baba further added, "What did this Hemadpant say?"
Hearing these words, I was much surprised. The Masjid was at a considerable distance from Sathe’s Wada where I was staying and where the discussion was going on. How could Baba know our discussion unless He be omniscient and Inner Ruler of us all?
Significant and Prophetic Title
I began to think why Sai Baba should call me by the name Hemadpant. This word is a corrupt form of Hemadripant. This Hemadripant was a wellknown Minister of the kings Mahadev and Ramadev of Devgiri of the Yadav dynasty. He was very learned, good-natured and the author of good works, such as Chaturvarga Chintamani (dealing with spiritual subjects) and Rajprashasti. He invented and started new methods of accounts and was the originator of the Modi (Marathi Shorthand) script. But I was quite the opposite, an ignoramus, and of dull, mediocre intellect. So I could not understand why the name or title was conferred upon me, but thinking seriously upon it, I thought that the title was a dart to destroy my ego, so that, I should always remain meek and humble. It was also a compliment paid to me for the cleverness in the discussion.
Looking to the future history, we think that Baba’s word (calling Mr. Dabholkar by the name Hemadpant) was significant and prophetic, as we find that he looked after the management of Sai Sansthan very intelligently, kept nicely all the accounts and was also the author of such a good work "Sai Satcharita", which deals with such important and spiritual subjects as Jnana, Bhakti and dispassion, self-surrender and self-realization.
About the Necessity of a Guru
Hemadpant has left no note, no memo about what Baba said regarding this subject, but Kakasaheb Dixit has published his notes regarding this matter. Next day after Hemadpant’s meeting with Sai Baba, Kakasaheb went to Baba and asked whether he should leave Shirdi. Baba Said, "Yes". Then someone asked - "Baba, where to go?" Baba said, "High up." Then the man said, "How is the way?" Baba said, "There are many ways leading there; there is one way also from here (Shirdi). The way is difficult. There are tigers and wolves in the jungles on the way." I (Kakasaheb) asked - "But Baba, what if we take a guide with us?" Baba answered, - "Then there is no difficulty. The guide will take you straight to your destination, avoiding wolves, tigers and ditches etc. on the way. If there be no guide, there is the danger of your being lost in the jungles or falling into ditches." Mr. Dabholkar was present on this occasion and he thought that this was the answer Baba gave to the question whether Guru was a necessity (Vide Sai Leela Vol. I, No.5, Page 47); and he thereupon took the hint that no discussion of the problem, whether man is free or bound, is of any use in spiritual matters, but that on the contrary real Paramartha is possible only as the result of the teachings of the Guru, as is illustrated in this chapter of the original work in the instances of great Avatars like Rama and Krishna, who had to submit themselves to their Gurus, Vasishtha and Sandipani respectively, for getting self- realization and that the only virtues necessary for such progress are faith and patience. (Vide Sai Satcharita, Ch. II, 191-92).

For more details visit:
http://www.saibaba.org/satcharitra/sai2.html

Mutual Fund Utilities India Open to Public

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4) It can also be submitted in their office location:
Address

MF Utilities India Pvt Ltd.
CIN: U74120MH2013PTC242939
103-105, Orion Business Park
Ghodbunder Road
Kapurbawdi
Thane (W) – 400 607
Maharashtra, India

Tel: +91 22 3952 6363
Fax: +91 22 3952 6300

connect@mfuindia.com
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1) Axis Mutual Fund
2) Birla Sun Life Mutual Fund
3) DSP Blackrock MutualFund
4) Edelweiss Mutual Fund
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6) HDFC Mutual Fund
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ICICI Bank Instant Personal Loans

ICICI bank the premiere bank offer personal loans at an interesting rate of 13%. This is an instant personal loan. Check eligibility criteria and get instant approval online
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Save in shriram transport fixed deposit icicidirect

ICICIdirect.com the trading portal from ICICI bank offers unique opportunity to invest in stocks, mutual funds and what not. Now, it is possible to invest in safe instruments like fixed deposits. Though not administered by government federated banks, Shriram transport Fixed Deposits are AA+ rated fixed income instruments that can be easily purchased through icicidirect.com
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7) Premature Withdrawal Facility possible
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Here is the interest rate table
Period
(Months) Non Cumulative Scheme Cumulative Scheme*
Yearly Half Yearly Quarterly Monthly Interest (p.a.) Yield
12 9.25% 9.05% 8.95% 8.88% 9.25% 9.25%
24 9.75% 9.52% 9.41% 9.34% 9.75% 10.23%
36 10.50% 10.24% 10.11% 10.03% 10.50% 11.65%
48 10.50% 10.24% 10.11% 10.03% 10.50% 12.28%
60 10.50% 10.24% 10.11% 10.03% 10.50% 12.96%

Trade Interest Rate Futures at ICICIDirect.com

ICICIDirect.com the trading platform from ICICIBank offers interesting opportunity to trade interest rate futures
What is an interest rate future?
An Interest Rate Futures contract is an agreement to buy or sell a debt instrument at a specified future date at a price that is fixed today. It is to hedge or trade on the Interest rate movements
The exchange traded Interest Rate Futures are standardized cash settled contracts based on a selected GOI bond
Interest Rate Futures are allowed on 8.40% Government of India Securities having maturity on July 28, 2024
In icicidirect from where do I find details on this?
You need to login to www.icicidirect.com, visit currency section and in the underlying stock list select the Interest futures contract (Code: 840GS2024)
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Cash settled futures contract - Delivery of bonds and easy cash settled
Contract based on a single bond Trading on one bond, so more liquidity and easy entry exit
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Exchange traded product Centralized clearing supported by guaranteed settlement
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STT not applicable - As of now Securities transaction tax is waived off, so customer saves on taxation.
Margin levied will not be less than margin charged by the Exchange
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This is available in ICICIDirect website:
http://content.icicidirect.com/mailimages/prod_specification.html
Whom should I contact for more details?
For full details send email to : helpdesk@icicidirect.com

Availing NRI/NRO/FCNR loan without breaking fixed deposits

Many banks in india including SBI offer a provision to avail loan against your fixed deposits. As such you cna vail loan against total principal and interest accrued so far. this option helps you wiht money rotation instead of breaking your fixed deposits.
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What are the beenfits of taking loan against fixed deposit?
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3) Loan can be availed upto maximum 90% face value of deposit. This varies from bank to bank
4) This can be availed against security of NRO/NRE/FCNR fixed deposits

Media Consumer Survey From icicidirect

ICICIDirect.com the trading division of ICICI Bank is currently conducting a survey on media consumption pattern among general public
Media sector survey as it is optly titled helps them analyse the digitization of TVs in every household , pattern of TV viewing experience at every house hold
Where do I access this survey?
You can choose to participate in this survey from the link below:
http://content.icicidirect.com/mailimages/MediaConsumer_Survey.asp