Saturday, January 19, 2013

Few simple but effective Pre-Budget Suggestions for Direct taxes

To: "Shri Sumit Bose - Revenue Secretary" <rsecy@nic.in>
Sent: Friday, December 28, 2012 1:31 PM
Subject: Few simple but effective Pre-Budget Suggestions for Direct taxes

Dear Shri Sumit Bose (23092653, 23092111 Ext:-5353),

Government is helplessly reeling under pressure to achieve +8% growth under bad economic conditions all over.

Under such circumstance it is required to think of radical measures to increase revenue collection and reduce inefficient operations of government.

Please find enclosed my 3 simple suggestions that will bring following benefits to Indian Government:

1. Increase revenue by making rich people pay taxes proportionate to their income
2. Increase Service tax collection based on negative list by re-deploying Income tax employees to Service tax
3. Free small businesses from the clutch of direct tax machinery by making them pay taxes proportional to their real income.



DIRECT TAXES
Sr
Issue
Suggestion
Justification
1
Income Tax exemption on Farm Income
Currently farmers are exempted from Income tax. This has been a policy since independence. Due to this exemption many rich and influential people have become ‘farmer’ on paper – thus leading to tremendous loss to the exchequer. While in fact, real farmers are committing suicide for want to reasonable income.



The benefit of Income Tax Exemption on Farm Income should be abolished.

There is a clear and gross mis-use of Income tax exemption by rich and influential people for the detriment of economy. Time has come to plug loop hole.
2
Tax Deducted at Source
Almost 55% of Direct tax revenue is collected by way of TDS. This has made Income tax payment almost redundant.

TDS merely serves to make tax collection faster. Also, both tax payer as well government machinery is set-up to see that TDS system works efficiently.

On the other hand lakhs of small people – who are outside the ambit of Income tax loose their income because they never claim refund of TDS deducted.


Abolish Tax Deducted at Source.



Honest tax payer will be relieved from the heavy burden of tax collection, payment along with attendant paper work.

Government machinery will be saved from the unproductive work of getting income tax before its time.

In fact, now such machinery can be deployed in CBEC (Indirect Tax) for collection Negative list based Service tax.
3
Small Business subjected to Presumptive Tax on 8% of Turnover or Gross Receipts u/s 44-AD (read with 44ab)

Government loses tax revenue when a small business’ income is more than 8% of turn-over.

Many small businesses have income less than 8% of turn-over; in fact, some times even loss also. All such businesses are subjected to compulsory audit u/s 44ab.





Abolish Section 44-AD

Or

Reduce Presumptive tax on 8% to 5%.






It is irrational to assume that small businesses earn 8% or more of Turn-over or Gross Receipts. In many cases it is less than 8% due to increased competition and increased day to day expenses. In such cases he is compulsorily subjected to audit u/s 44ab – costing Rs.15,000/- to 50,000/-.

 

Friday, January 18, 2013

Indian Railway - How to change Boarding Point of a reserved train ticket

In India it is quite common that one may not get a train ticket reservation even on the first day of the ticket reservation cycle - which opens four months in advance. So, what does on do?

If your starting point is other than starting point of the train then some smart people try to book ticket from a earlier station; and then apply for change of boarding point. Of course, if you try to give your boarding point while booking the ticket then the system shows that tickets are not available because system computes availability based on quota reserved for your boarding point. Then, what does one do to change the boarding point after the ticket is booked?

Take a regular Reservation Slip. Write on top 'Change of Boarding Point'. Fill in all details as seen in your ticket including PNR number. Against 'Boarding Point' write new boarding point that you want. Then reach  railway reservation counter (PRS) with your printed ticket, reservation slip and photocopy of one identity proof say PAN card, Election Card etc. One need not go personally i.e., you can send another person to do this.

Go to the Inquiry Counter and give this documents. Person on inquiry counter will make the changes on the system and write with hand on your ticket the new boarding point. Work is done. It is simple and does not cost anything.

Take care not to stand in the regular queue for reservations. If you stand there, your request will not be entertained. Change of Boarding Point is done at the inquiry counters only.

Have a nice day.

Tuesday, January 15, 2013

Some thoughts on future of humanity

Last Sunday, during the group meditation session I got some thoughts on what life would be on earth in the future times.

Some background:
Looking back, say about 200 years back, could any one would have imagined how the world would be say in 2013? Well, I doubt it.

Similarly it takes only a visionary of high order to think of what human life would be say 200 years from now. Fascinating? If yes, then keep reading. One warning - enter with an open mind. One disclaimer - I'm not claiming to be a visionary. These thoughts are based on existing writings that I have been reading for the last 9 years or so.

Thoughts on life on earth in future
There was a steady increase in natural and man made calamities on earth - giving louder and louder warnings to humanity to make amend or perish. Of course, a small but reasonable number of wise and intelligent people known as Indigo/Blue man tried to guide humanity with wise thoughts and actions. But, unfortunately humanity was very slow in understanding their advice and moved headlong towards its doom.

After few decades of regular and increasing rage of elements population on earth reduced considerably and living conditions became very very harsh. Earth's magnetic polarity changed and also very slowly and steadily earth's axis started changing - leading to extreme weather conditions. Established world order of national boundaries, world economy, governance and religious establishments met with extinction. Finally, men finding situation totally beyond his control started praying to its faith / higher power asking for mercy and forgiveness.

And beings of high intelligence and wisdom landed on earth. They were not visible to the mankind. They slowly and steadily introduced mutation of human genes by a secret intervention. Because of this, slowly and steadily different race of children started taking birth. This children looked different and were endowed with higher intelligence and wisdom. Unlike human race they were able to use many abilities of the brain and had a soft but strong heart. Beings responsible for the change left earth when they noticed that sufficient number of newer species had taken birth and were performing as per their expectation.

Following the law of natural evolution and survival of the fittest this new race slowly and steadily managed to flourish and older race met with extinction. They had special ability to communicate with each other directly using their thoughts and had a natural balance between outward and inward going tendencies.

Newer race of human beings first managed to establish a newer life style that was close to nature. As this happened raging elements slowly and steadily reduced and disappeared over few decades.


Then the newer race managed to find and harness naturally occurring source of energy that was cheap, non-polluting and renewable. With this discovery, electricity and fossil fuels of past era were not needed any more. Their new life style centered around the principle of peace, harmony. mutual trust and respect. They no longer needed money and attendant financial economy because all their energy needs were met using locally available resources.

They started cherishing inner values more than external manifestations of grandeur and control over fellow human beings. They understood that their purpose of incarnation is leading a life of wisdom and inner growth that leads to inner fulfillment and contentment. They realized certain eternal truths that everything in creation has its rightful place; and although human being is epitome of creation it has no dominion over other species and natural resources. Newer human race aligned itself to the natural principle of simplicity, love, charity, empathy, minimum utilization of natural resource, no wastage, respect for complimentary roles played by man, woman, birds, animals, trees, water bodies, earth etc.
-oOo-

Sunday, January 13, 2013

Mind - Heart Relationship

There is considerable confusion among people on whether to use the mind or the heart - while thinking, deciding etc. This confusion is bound to happen because people don't correctly understand what each term represents and their relationship with each other. They naively conclude that since it's an inbuilt capability among human beings and everyone uses it all the time - we all know about it very well. Well, not really.

I will try to explain it in simple words using some modern terminologies.

If you understand working of computers or smart phones, mind is like a random access memory (RAM) i.e., volatile memory of a computer or a smart phone. And heart is like a permanent memory similar to that of hard disk or a SD card.

Come on, I can understand about mind's comparison with RAM but I won't agree with heart's comparison with a hard disk or SD card. How can it be?

You agree that whatever is in the mind is volatile in nature. Right?

Yes. But, how does it make heart like a permanent memory?

It works like this. Whenever we repeatedly think about a certain thing - say about a good movie that we have seen or a good restaurant we have visited or a bad memory about an unfortunate fight with a close friend - all this events leave an impression on the mind first; and after a few mental repetitions of that event in the mind, this impression settles on the heart. If attention is not given to the event, it fades away from the mind; and it does not settle on the heart. But once an impression is formed on the heart, it remains there till it is removed.

It is similar to what is in the memory (mind) is written to the hard disk (heart) when an impression remains in the memory (RAM) for a reasonably long period of time.

How can one remove it from the heart?

Good question. Normally such impression remains settled on the heart like a seed. When suitable circumstances present themselves it comes to life i.e., such impression makes its appearance in the mind in the form of thoughts.

You mean to say, I remember the event. Isn't it?

Yes. Not only you remember, you feel the same emotion that you had felt when you had formed the impression; may be, not that intensely now, but it does appear on the scene.

So, it gets removed/erased from the heart. Isn't it?

Not really. In fact, it depends on your mental attitude. If you treat it with equanimity and don't give attention to it, such thoughts drop off and the impression is removed from the heart. But, what happens in such an occurrence is quite the opposite i.e., we re-live the old experience and our thoughts and action makes it stronger, making its removal difficult, in not impossible. In fact, we make the impression stronger than it was before by thinking about it.

Come on. You mean to say whatever we indulge in anything intensely or remember the old events and give attention to it, it becomes stronger. And, only way out is to behave like a saint by remaining calm and composed without any reaction. That is not possible for an average person. Isn't it?

Quite true. But whether we want it or not, that's what happens. That is the reason why even though we wish to follow our heart we are unable to do it; because heart is giving us wrong signals. This happens because our heart is full of such past impressions; some mild and some very strong. So, sometimes although we know that our mind is fooling us by giving logical (and many times immoral answers) we are unable to follow the heart because even heart is giving answers based on what is already stored in the heart in the form of impressions.

There must be a way out? Situation can't be so hopeless.

Surely, there is a way out. But, you tell me, how this problem can be overcome?

Hmm... You said heart is like a hard disk. Isn't it? Then it should be possible for us to delete the impression somehow. Is it true?

Yes, you are right. It is possible to delete or remove the impressions. It is possible to remove impressions by self-effort, if such effort is made soon after its formation.

How does one do it? Is it difficult?

Not really, if one knows how to do it and learn it well by doing it every day.

Tell me please?

Sure. One has to use his will power to remove such impressions. Sit with eyes closed and think that all impressions gathered during the day's thoughts and actions are getting removed from the body from the backside in the form of smoke or vapour. Don't think about situation which lead to the formation of the impression.

This process is similar to cleaning a room using a broom. Here we use our will power to clean the mind, and heart of the impression.

For how long one does this thing? And how do I know it has worked?

One may do it for half an hour. If it done properly you will feel lightness of mind i.e., weight of the impression goes away making mind lighter.

Isn't this same thing, which you described as cleaning process, in our earlier discussion?

Yes. It is same.

And you said, cleaning of the older (and stronger) impressions is the work of the guide. Isn't it?

True.

I have a question. You say impressions settle on the heart. So, when one dies even the heart i.e., hard disk also dies. Isn't it? So, this should not pose any problem really because upon death all this impressions are lost.

That's what people generally believe; but that's not the case.

Let me explain.

Think of why some people commit suicide? They do this when they are unable to bear the weight of their own thoughts - and they commit suicide thinking that dying will solve their problem.

But in reality, after the death of a person impressions accumulated on the heart do not get erased but they are carried over by the soul in the afterlife. When I said mind is like a volatile memory and heart is a permanent memory, it is very much true i.e., upon death what was there in mind is lost but what was stored on the heart is carried further by the soul in the next life.

If what you saying is correct, then we should do something when we are alive. Isn't it?

Yes. If we don't wish to become slave of impressions settled on the heart one should adopt such means that would make us free of its effect. By whatever means, when we manage to free ourselves of all impressions, we truly become free of our past. That's what a liberation is. Our mind becomes clean and heart become pure; and it starts guiding the mind without any prejudices. And we are able to gain ability to think and behave right.

Thanks. Now, I understand working of mind, heart and its relationship.

What do you think? Do leave your comments.

Thursday, January 03, 2013

Live simply - how & why to live a simple life

At my office, in my room I've put up a small paper saying this:

----------------------------------------------
Five simple rules to be Happy forever
Free your heart from hatred
Free your mind from worries
Live simply
Give more
Expect less
----
How to do this naturally?
 Meditate
------------------------------------------------

When people are happy they don't know about it. It's only when something happens which makes them unhappy that they find out that they were happy. Isn't it a curse on humanity?

Any way, today I wish to write about Live simply. Obviously I should not write complicated and long essay on how and why to live a simple life.

With the advent of industrialized world, life has become complicated and fast. If we wish to retain sanity and be happy then its time to simplify life.

How?

Few suggestions:

1. Learn to love what you are; and use what you already have.
God made man in his own image; and still every person is different from his fellow brothers. There is a reason for that. Before taking birth each person has decided where he will be born, how he will be and what he will do. So, be contented with what you are and effectively use what you have already got. Don't think of taking short cuts. Acceptance is a great virtue.

Does it mean I should not look forward to or try anything in life? That seems to a derogatory idea.

2. Focus on becoming something rather than having things. 
One should aspire but not to have ambition. Learning a skill e.g, cooking, writing, painting; develop human qualities e.g., sympathy, ability to listen; rather than having a house, beautiful wife, strong body.

What's wrong with a rented house, average looking wife and reasonably healthy body? After all, we are here only for a brief period of say 60 to 70 years; half of which is wasted in growing up and following unnecessary pursuits.

3. Focus on fulfilling needs adequately. Reduce wants.
When one does what he likes and interested in, automatically things he needs comes. Needs are legitimate. Wants are our own creation. If we are able to discriminate and find out what we really need to live, our life becomes simpler.

4. Use technology to the bare minimum. 
Modern day conveniences offered by technology makes us dependent because once we become used to it we can't live without it. Also, lot of time, energy and money is wasted in acquiring and learning to use this technological innovations. Instead, once we start using our own inbuilt abilities i.e., start using our mind (to say remember phone numbers or storing our ideas); start using our hands/legs (to walk, play outdoor games); and adapt our body to withstand cold/heat; we become strong because our mind and body remains in use - by going through resistance training.

5. Learn to listen and follow your heart.
Even science has found that heart has neurons! It has ability to think; and we have forgotten to think i.e., we have stopped using our mind to think! Isn't it ridiculous? We have to regain this ability to think, first with mind and then with the heart. We have become too much slave of the past and its effects. If we wish to have a future that is different and better than what it is today then it is very important to learn to think and that too using our heart. How to do this? Learn to meditate. Learn to meditate on the heart and take help, if needed.

What to you say?

Monday, November 12, 2012

How is a spiritual way relevant for today's people?


In the last dialogue we saw that Sahaj marg is a way of life, allowing one to lead a balanced life in middle of this modern world. Its practice consists of Meditation and Cleaning, backed by teacher's active assistance in the form of yogic transmission. Also, help is available almost all over the world through a system of prefects - who train people in learning meditation and give yogic transmission.

I thought you are going to elaborate on how is it relevant to today's people. Isn't it?

Yes.

First, people are increasingly realizing the importance of a well cultivated human mind. A human being is able to 'think' using his mind. No other living creature on earth possesses this ability to think.

But, it has been proved that humans are able to use - at best - a very small percentage of what mind is capable of, may be 4 to 5% not more. Why is that? One problem is that mind is perpetually in a state of activity. It gets some rest only during the sleep. But, during waking state one thought leads to another, giving rise to incessant thoughts; very similar to the Brownian motion observed in liquid by scientists.

Can this incessant movement of thoughts be controlled or regulated? If yes, it may become possible to exceed our current level of understanding and knowledge of the world around us.

Sahaj marg helps here because it is yoga of the mind. It helps to bring the ever wavering mind to a regulated state by taking up the regular practice of meditation and cleaning. Result of such a practice is a regulated and clean mind - that does not allow impressions to form or settle.

For one who is not doing this type of practice, what happens is that impressions created by daily thoughts and actions settle and become hardened in to something called grossness. Over a period of time such grossness settles down on heart - called samskars. This samskars are responsible for our habits and behaviour patterns. It's a teacher's job in Sahaj Marg to get rid of this grossness settled on the heart. When done, heart is cleared of habits, behaviour patterns and emotions; and one becomes free from the binding effects of grossness. When this happens, one is liberated from effects of the past.

Second, in today's world there is a lot of easiness compared to a world say 200 years back. It's all due to advancement of science and technology in the last 150 years or so. But due to this easiness people's body and mind are becoming weaker every day. We feel helpless when any of this technology props viz., electricity, vehicles, telephones, water in the tap and information at the fingertips is not available.

Being surrounded by so many things and conveniences, do we feel complete? Temporarily yes, when desired object is available. But after some time the joy wears off and we start looking for something new, better, innovative and so on. Is there any end to this quest for novelty? Not really. In fact, a time comes when we feel emptiness.

Why do we feel emptiness, in spite of having everything?

It is because we intuitively realize that all these things may fill up space and make life easy, but it does not give satisfaction in the long run. There is something that is missing. We don't feel full, complete, satisfied and contented.

What is missing? Why does a modern man feel that his life is not fulfilled?

Let us examine. It is said that soul resides in the heart of the human beings. Many experiments have been done by modern scientists to find out property of such soul (if it exists) say weight - by accurately weighing body of a dying person before and after the death. But such experiments have not yielded any satisfactory answers.

Answer to this mystery of what gives life to the human and other living creatures has been reasonably well explained by saying that soul enters a body giving it a life and soul leaves body by making it dead. But, such answers do not make us much wise.

Why?

Because, until we are able to directly experience it, we are unable to find use of such a knowledge. Till then it is just a hypothesis. Isn't it?

True. Everyone says god or soul is there inside the heart of every living being; but I can't identify with it in any way. What's use of such knowledge?

Good. You have hit the nail on the head.

Sahaj marg says that soul not only resides in the heart of a human being, it has got life of its own. Purpose of our assuming this body is that we do something so that soul gets back its life while we are living; and it continues thereafter, after the soul has left this body.

Is it possible to offer life back to the soul? Isn't it supposed to be immortal etc.? You must be joking.

No. What happens is that soul has become trapped in a web of its own making due to the hardening of impressions called grossness that we form due to our daily thoughts and actions - things I referred to while explaining cleaning. Do you remember it?

Yes. And you said it's teacher's role to take care of impressions or grossness that were already formed.

True. What happens is that although soul is immortal etc. it has got trapped in a sort of cocoon of grossness. Due to the effort of meditation and cleaning - assisted by the teacher's transmission, slowly this grossness is removed or peeled off; and soul slowly becomes free to move.

Its only when a soul becomes free that the possibility of its journey on its onward path becomes possible. When this happens it's a joyous moment because soul has got back its life, of course not fully but to an extent, where it is able to move further, after lapse of possibly thousands of years. Of course, much journey remains to be done before it reaches its homeland or final destination. That state is known as self-realization.

But, aren't we supposed to take up journey to holy places to reach the state of self-realization?

No. It is very unfortunate that this idea of journey of the soul within human system was known and discovered by the founders of great religious movements thousands of years back; and it got degenerated over a period of time into this idea of physical journey over land to holy places.

Proof of same is evident from the fact that even though people take up many a times very arduous journey to the holy places, they feel only a temporary elation. When they come back home they have not changed in any way. So, only journey worthwhile taking up is this inner journey of the soul within human system. But, even this journey starts only after great deal of effort is made in freeing up the soul from its bondage of grossness, also known as samskars.

So, after that I believe soul's journey must be easy?

Not really. It's only a beginning of a long journey. Path is long and slippery. By self-effort such journey takes thousands of years, as mentioned in old yogic literature, taking up numerous lives. During this journey soul sheds various coverings like that of illusion (maya), ego etc., and becomes more and more free.

Only a capable teacher who has travelled this path himself; and has capacity to help other people through yogic transmission can make journey easy. Of course, even the aspirant has to put in his own effort and co-operate with the teacher to cut down this journey time.

Good news is that teacher in Sahaj marg is able to cut down this time to just one life i.e., this life itself. Who knows what will be there after this life?

Come on, you are just making an exaggerated claim or promise.

Ok. Assuming that what is claimed is not true, isn't it great to know that at least some one is there who says I've a method, if you follow it sincerely while co-operating with my work on you, it is possible to lead to self-realization in one life time. Isn't it worth trying?

Tell me honestly how many people you have heard or known, in the history of mankind, who have been bold to make such a claim? Human history has no knowledge of any. So, it may be worth giving Sahaj marg a try and see if it is really able to offer something that gives direction and fulfillment to the life.

I see your point. It seems worth trying. But, can you tell me more about it before I decide?

Proof of pudding is in eating and then deciding. Visit www.heartfulness.org for an experiential try. It is worth giving a sincere try - at least for 3 months. You need not contact any one; and one can try in the comfort of the home. If you would like to explore more then try meditation with a trainer and you should be able to get a taste of the 'beyond.'

Note: Heartfulness is an invitation (or an approach) to Sahaj Marg. So, if one likes Heartfulness Relaxation and Meditation then for a deeper experience one starts Sahaj Marg practice where apart from mediation there is a practice of cleaning and few other things.

Thursday, November 01, 2012

My experiments with the beyond




Today I wish to write about 'beyond' - a subject very close to my heart.

My experiments with the beyond started around 1980, when I started learning meditation. I did that mainly to become a better person. And today, after lapse of 32 years my enthusiasm to explore further has not waned. Rather it has only increased.

Why is that?

It is because I accidentally stumbled upon a way that has given meaning and direction to my life. I can say with confidence that I will not regret my life when it ends.

Here, I am referring to a way of life called Sahaj Marg.

What's so great about it? Aren't there so many people and organizations that claim the same?

Yes. But, I don't have experience of any of them, so I can't say anything about them. But, I can surely talk about this based on my own experience. And, I've found that this way is all encompassing i.e., one does not have look for anything outside of this.

Let's start.

First, it directs people's attention to the divine presence that is already present in the heart of all humans. And, it teaches one to meditate on this presence, to ultimately become one with this presence.

How to meditate?

Meditation is not new to human beings. Mystics and Sanyasis have been doing it for thousands of years. But, rarely in the past, is meditation learnt by ordinary human beings who are leading a normal family life.

Now, in modern times there is a renewed interest in meditation. This is because ordinary people feel the need to do something about the incessant flow of thoughts that assail them daily, resulting in high level of stress in their lives.

And, people are right in their search to find solution for their problems in meditation. This is because. if we manage to learn to meditate correctly, it is possible to put one’s thoughts on one thing at a time for a reasonable period of time.

How is that? I thought it is very difficult.

It is not. But at the same time, it is not easy either. Many people have tried to learn meditation on their own by reading books on yoga or under someone’s guidance. But, there is not much success because most of the time people try to ‘concentrate’ or try to suppress thoughts in the meditation. Here, it is important to know that, when we try to concentrate or forcefully try to suppress the thoughts they come back with renewed force. So, while doing meditation we should not try to ‘concentrate.’

You see, concentration is the state in which we get into when we are able to meditate properly. In other words, concentration is the result of meditation and not vice versa.

Then, tell me in simple words, how do I meditate?

When we think about one thing continuously - that is a meditation. Does it mean “we are doing it all the time and there is nothing more to learn?” Not at all. What we are doing every day is that “we are thinking of something or other continuously but not meditating.”

Here, in meditation, we try to put our mind on thought that divinity is present in the heart in the form of light; and we try to keep this thought for as long as we are able to. When we realize that other thoughts are coming, we try to ignore them and gently put our mind back to earlier thought. By doing this practice repeatedly - every day, in due course of time after sufficient practice, we gain mastery over this process.

Yes. But it is easier said than done. Many have tried it but constant rush of thoughts make it impossible to sit for more than 5 to 10 min. Isn't it?

True. But, here there is a difference.

What?

Here, an active help from the teacher is available that makes it work.

Can you explain more?

Sure. When anyone starts doing meditation under Sahaj marg, he is helped in his practice by the yogic power possessed by the teacher, called pranahuti or yogic transmission. When an aspirant is introduced to the Sahaj Marg he is prepared to receive this yogic transmission. When such an aspirant sits in meditation he receives the yogic transmission from the teacher, whether he feels it or not. Also, onslaught of thoughts do not stop during meditation. But, if learns to remain unmindful of disturbing thoughts by treating them as uninvited guests, after sometime he is able to sit in meditation for reasonable period of time.

Then how does this meditation become useful or effective?

It is said that - as we think we become. Here, in Sahaj Marg, we think of the divine presence in the heart, continuously for 1 hour, every day morning; to eventually feel that presence in the heart.

Is it true? It is worth trying then.

Sure.

Second, here teacher or guru is an ordinary person, leading life like anybody else. He leads a normal family life and earns his own living by doing job or business.

Then how is he able to do meditation; and at the time teach people about it?

That's a good question. In Sahaj marg we are taught to lead a balanced life i.e., we lead normal material life; and side by side we do meditation practice that helps us to grow spiritually. Just 1 hour of daily meditation and about 40 min of other practice makes it possible to live a balanced existence.

And teacher is able to assist people with the help of yogic transmission. So here, teacher does not stop at prescribing the meditation practice but helps an aspirant actively by offering his assistance through yogic transmission.

But, how is it possible to help people, say who are located far away from the teacher?

For that he has appointed certain aspirants to work on his behalf and permitted them to offer transmission and personal guidance. There are more than 3,500 such people (called prefects) spread over more than 90 countries of the world. They explain the method to the aspirants, give transmission to help them grow spiritually and guide them if they have any difficulty.

Oh, that's different. That means, almost anyone can try this meditation practice anywhere. Isn't it?

Yes. And there are no eligibility criteria except that one should be of 18 years of age and willing to give it a try. And there are no fees charged for the training and guidance. If it works then aspirant can continue or he can stop.

Third, apart from the daily meditation one is expected to sit for about 30 min in the evening, and do something called Cleaning. In this, one sits like in the meditation with the closed eyes, but one does not think of the divinity in the heart. Instead, one is expected to use his will power and remove slowly all the impressions gathered during the day's work from the system.


Cleaning Process
You see, reason why new acquaintance almost always start on a good note because there is no past experience. But, when we get to know a person for some time, we develop certain prejudices and it is not easy to deal with the person. But, if somehow manage to remove daily impressions, like what we do in the Cleaning, every day would be a new day, without any thing of the past pulling us back. So, Cleaning has a tremendous benefit of liberating us from the effects of the daily impressions.

Tell me more about Cleaning. I hope it is not difficult to do.

In the Cleaning process we use mind (like a broom) to clean the impressions taken by the mind. This process can be understood thus. When we want to lift our hand, we make a will and a signal goes from our mind to lift the hand; and hand is lifted. Isn't it? Similarly, in cleaning, we use our will power to clean the impressions; and our system is cleaned. Initially people may find it bit difficult understand and practice it; but slowly one learns to do it, by doing it repeatedly.
Use of Will to Clean the System
Process of cleaning is unique to Sahaj marg and its efficacy can be gauged only by experiencing it. It makes one free of the daily dose of impressions that one collects during the day's work. When cleaning is done well, aspirant feels lighter in the mind. It is similar to - when we have grown say lot of hair on the head we get used to it and we don't feel its weight. But, when hair cut is given we feel lighter.

Ok. Cleaning may rid one of the daily impressions. But, what about impressions collected before starting the Sahaj marg?

Good question. That's work of the teacher. In fact, teacher's real work and need for a teacher, is in removal of older impressions. It is not easy for an ordinary person to remove it by his own effort. But, in Sahaj marg it is possible for the teacher to do it because of yogic transmission.

But, tell me, what's use of going inside by closing eyes and doing meditation & cleaning? Isn't it possible to know everything through the five senses that we have?

This is a way that takes one inside of oneself. And believe me, there is no limit to how much more one can go inside. It is said that universe inside is bigger than what we see outside. And it is true. We don't know about it because either we have never tried to explore it or we did not have effective method to do it.

It's only when we go inside we realize that there is a universe inside of us, in our heart where divinity, light, purity and peace pervades. It makes us aware of a different world which we had possibly heard about earlier, but never experienced.

Isn't it called self-realization or some similar name? 

Yes. But, this is best dealt by having an actual experience rather than knowing about it intellectually - by reading books or listening to lectures. Current state of knowledge about self-realization is very confusing. Best is to jump in to it and check it out first hand.

But, isn't it supposed to very difficult and not relevant for an ordinary human being?

Yes, it used to be like that, but times do change. Take for example the field of science and technology; currently we are using things that people 200 years back could not even imagine. Similarly, time has possibly come for a newer world, where people would seek fulfillment and purpose in life by going inside rather than seeking it outside. We have already seen effects of seeking fulfillment from the world outside of us. It's time we seek to explore the beyond.

How it is relevant in today's world?

Well, I will write about it some time later. Bye for today.

--
p.s., let me know how you find this piece of writing.


Note: This article is extensively edited in Nov 2013 with the help of a fellow brother. I'm thankful to him for his valuable suggestions for the improvement.
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Here is the blog on "How is spiritual way relevant for today's people?"

Saturday, October 20, 2012

Loop Mobile - Revised tariff of Blackberry BIS Lite Plan

I'm customer of BPL mobile (now Loop) since inception of their service in Mumbai.

Recently I learnt from the bill that Loop Mobile has revised the tariff of Blackberry BIS Lite Plan wef 6-6-2012 from Rs.199 to 299 with added facility of 2 Gb Internet free on Opera mini browser.  

There are many problems with such revision of tariff:

1. Loop Mobile did not inform customers about revised tariff along with new details of 2 GB Internet thru opera. I did not get any notice from them about it. I learnt it only from gallery upon inquiry of higher tariff bill. Loop Mobile is claiming that they have informed the all users of BIS Lite by SMS. But, I never received any SMS.

2. Loop Mobile did not take consent of customer before charging the revising tariff. They have unilaterally changed the tariff. Against this argument they say that they are at liberty to change price of Value Added Service any time.

TRAI Direction on Value Added Services dated 4th July 2011 (F.No.305-15/2011-QoS), it states following:

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7. And whereas upon examination of the complaints of the consumers and the replies received from the service providers, the Authority found that in most of the cases the service providers claimed that they have obtained the explicit consent of consumers through telecalling or Out Bound Dialer call or through other electronic means involving interactive sessions while the consumers have disputed such claims, thus giving rise to the need for a confirmation process to avoid such disputes in claims and counter claims in the matter of seeking and obtaining explicit consent;
 

8. And whereas the Authority is of the view that deduction of subscription charges from the talk value, either initially or from subsequent recharges without the specific consent of consumers, is against the interest of consumers; 

...

9 (ii)  every service provider shall, at least three days before the due date of renewal of a value added service, inform the consumer through SMS, the due date for renewal of such service, the charges for renewal and toll free telephone number for unsubscribing the value added service;

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Clearly Loop Mobile has failed to follow above direction 9(ii) and are not entitled to recover revised increased tariff from any consumers.


3. I don't wish to use the free internet up to 2 GB on Opera for following reasons:

a. It is not easy for a Blackberry BIS Lite Plan subscriber to install the 'Opera' browser on his handset. It is easy to install it if one has full internet access but BIS Lite Plan does not have Internet Access through the Blackberry's built in browser. 

For installation of Opera one has to download it on a PC then transfer the application to the Blackberry handset using Blackberry's Desktop Manager tool. It is not easy to configure and user BB Desktop Manager for most users.

b. Internet works only on Opera mini browser. It does not work with built-in Blackberry's browser.

c. It is almost a useless service for Blackberry mail users because links given in the email messages always open the Blackberry browser. And this browser still does not work saying "Your device does not currently have any Browser Configuration Service Book entries Because Internet does not work with Blackberry's browser. Please contact your service provider to enable Browser on your device."

d. Even if one copies the link in email and tries to paste the link in Opera, paste does not work. Opera on Blackberry handset does not allow paste of a link copied from within email message! So, a user is not able to use opera. So, it's a total waste of money to go for such 2 gb of Internet access on Opera.

When I visited Loop Mobile gallery, they suggested that I shift to 399/- plan where Blackberry browser works! So, clearly this new revised tariff is a arm-twisting technique employed by Loop Mobile to fleece its customers.

I've written to Loop Mobile Appellate Authority number of times to reverse the charges. Every time I sent them a mail, someone calls up saying sorry we will reverse Rs.100 from your next bill. They have done that twice or three times. But they add saying from next month onwards you will have to pay Rs.299!






Have you faced this problem from Loop Mobile or any other operator? Do write back.

Friday, October 19, 2012

How to use NSDL's eTDS Filing system

In one of the comments on my blog post on Passport Seva Kendra  I had mentioned this:

"Not only this public facing website or application, if you are a user of any other website whether government or even corporate (particularly those related to eProcurement, Tender etc) user interface, directions to use and self-help resources are terrible. Of course, there are exceptions but only very few e.g., www.cleartrip.com.

I've been having email and telephonic dialog with NSDL for their TDS website and have managed to correct a few things but there are simply too many small issues wrt usability.

It is really frustrating when even basic validation check - when done - errors are not displayed properly. For example, in ACES (Excise/Customs and Service Tax website) when certain figures don't match, error simply says figure don't match. Is this information enough to troubleshoot? Why can't it display both figures as well? If they are given, one can go back and find out easily where we made the error.

Similarly there are issues with respect to Income tax website, Maharashtra Sales Tax website. I can just go on. I'm thinking of writing a separate blog on such websites. But, I wonder if it would be worth the time and effort.
"

Yesterday I really got bugged up with NSDL's eTDS Return Filing website for many reasons, which has prompted me to write this today.

As you are aware, Income tax department of outsourced the work of running TDS & TCS machinery called "Tax Information Network" to National Securities Depository Ltd (NSDL). (TDS=Tax Deducted at Source; TCS=Tax Collected at Source by Govt depts. Here 'Tax' means 'Income Tax'.)

NSDL has a dedicated website for same - Tax Information Network of Income Tax Department. From the website URL it seems that it's a commercial business venture of NSDL. I really wish that this website and related machinery setup by NSDL is run like a business. But, it is not; and it is designed and run like division of Income tax department only! Our bad luck!

Any way, if try to go back to basics and check if TDS (and Advance tax) is really necessary or not; we come across very revealing facts. Since this topic is not subject of this blog, reader may care to read
a magazine's article on The farce of TDS and advance tax exposed through huge refunds.

This blog is written with a primary purpose of becoming a 'primer' for those business firms who are expected to file TDS return using 'Tax Information Network' run by NSDL. It does not cover any topic related to TCS. It has discussion on both physical and electronic TDS returns.

Let us start.

1. When-ever any person (business entity) deducts TDS from the supplier's payment, he is expected to do two things. First deposit the TDS amount with the Income tax department by 7th of the next month. And tell government that he has deducted TDS from the supplier and paid to the government by filing a 'TDS Return'. Up to Financial Year 2004-05 this used to be a Annual Return; after that it has become a quarterly return. This vital piece of information is written as a one liner in an indirect manner viz., RPU for Annual Returns - These utilities can be used to prepare e-TDS/TCS returns up to FY 2004-05.

Easy? Seem so. But, not really because in practice it is very complicated. Complicated mainly because if things go well it is easy but if any one makes any mistake, however small it may be, hardly any one knows how to rectify it.

It becomes more complicated because first, there are too many pieces of information (in computer jargon, 'fields') and there are four parties on which we don't have any control viz., bank who accepts your TDS payment, TIN-FC (see below) who accepts your TDS Challan, NSDL - who processes TDS Return filed by you and runs the machinery for accepting TDS Return and TDS wing of Income Tax department.

For example, although while making TDS payment using Form 281 you have mentioned deductee type as non-company (code-21) bank may enter in NSDL system as company (code-20) then it is almost next to impossible for an ordinary person to find out why he is not getting the 'match' of the TDS paid amount. Believe me, when I say - it requires either Chartered Accountants degree or Post Graduation Degree from best of colleges of India - I'm not exaggerating. I'm telling you based on a real experience of this mistake by our bank. Any way, we found it and then we went the bank, explained to them their mistake, gave a letter for rectification of their mistake; and got it rectified after 2 weeks after number of follow-ups! Phew! Of course, peace came with the risk of receiving notice of Interest payment on late payment of TDS!

2. There are issues with First part which deals with a system called OLTAS, which I will take up through a separate blog post later.

3. Let's take second part, that of filing TDS returns. For business firms it can be filed in 'physical' or 'electronic' form. NSDL has set up a network of TIN-FC (Tax Information Network - Facilitation Centre) in every major city of India. Basically, these centres are run by private firms or individuals and they accept Physical and/or Electronic TDS Returns (called Form 24) from the tax payers. When they accept TDS Return in Physical  form (also called Paper Return) or Electronic form on CD/Pen-Drive they give Print acknowledgement of  same.

It has a holy number called 'PRN' - Provisional Receipt No. If you loose this piece of paper, you are facing your worst night-mares.It is as good as not filing the TDS return and taking risk of facing all consequences viz., interest, penalty, inability to file revised return etc etc. (I'm telling you from my own experience and believe me, in spite of writing numerous letters to NSDL and TDS dept's Assessment Officer, nothing has happened.)

If TIN-FC person makes a mistake in noting the TAN, Financial Year, Form No. (26-Professional Service, 24-Salary, 27-Withholding Tax etc) or Quarter (1Q,2Q,3Q,4Q) then also, only God can help you. Again here, I'm suffering because on one of the receipts TIN-FC wrote wrong Quarter and Year and we did not notice this mistake for many months; and we have not managed to sort it out yet. This is in spite of writing letters to NSDL, TDS dept etc.

4. Once TIN-FC accepts the TDS Return, they scan it first and a data entry operator reads the scanned form and types in the data written on the physical form on NSDL's web application i.e., physical return becomes a electronic form.

Here is where there is major problem because maximum mistakes happen at this stage. Why? Most of TIN-FCs are setup by large companies. These centres do not have rights to enter the data on NSDL system. They accept the Return, Scan the form and send it to their head office by email (or so) and send physical form by courier (i assume). Data is entered by a data entry staff at head office. This being a manual system - it is prone to every type of data entry error due to various reasons e.g., bad scanned copy of form, ill-legible hand-writing, in-ability of data entry operator to call up the party for clarification, mistake in the entry of PAN / Amount / Name of PAN holder, TAN, Date, Form No etc. etc.

A single mistake and person filing the return will know about it only when he checks his own TDS return on NSDL's website. How? Believe me, it is not intuitive. It is located under eTDS/TCS Filing and Quarterly Statement Status.



Why does it say "Quarterly Statement Status" instead of "Quarterly TDS Return Status"? Why it is under "eTDS/TCS Filing"? Why it is not seen after you login in to eTDS/TCS Online Filing? I don't know. If you know the reason, do let me know.

Isn't this complicated? Not yet, just wait and read further to know how messy this entire TDS business can become. In fact, government of India has publicly admitted in June 2010 that TDS system is in a mess. Don't believe me? Click here for my blog post for details.

5. Say, you have filed Physical TDS Return and you find that there it is "Accepted by TIN" as shown below:


But when you click on "1" (as shown above) you will see status of each TDS Challans as shown below:
 

A challan's status can be one of following:
a. Invalid Paper Return: (what does this mean, I have never managed to figure out. May it is like any reason other than known reasons given below)
b. Match Failed (Challan): TAN and/or amount relating to a challan in the statement does not match with the corresponding details received from banks.
c. PAN not in ITD database: Count of deductees, where structurally valid PAN stated in the statement is not found in the ITD PAN database.
d. No /Invalid PAN : Count of deductees where PANNOTAVBL, PANINVALID or PANAPPLIED stated in the PAN field in the statement.

Note: This is becoming slightly long..so stay tuned. I will update it as and when I found time.













Covid Resource for Second Wave

Initial part of this blog has resources useful for all of India. Later part is dedicated to resources for Mumbai city.