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By Nithin Sridhar
“If there has ever been a word of truth, a word of spirituality that I have spoken anywhere in the world, I owe it to my Master; only the mistakes are mine.”
– Swami Vivekananda
One twenty nine years ago, India had lost one of its greatest spiritual sons. Ramakrishna Paramahamsa- the sage, devotee, yogi who was considered by many as the very incarnation of God, left his body on 16-August-1886.
Ramakrishna and his teachings had profound influence on not only his disciples like Swami Vivekananda who lived with him, but also on many generations of people around the world who have come after him.
Even today, his influence and teachings are visible everywhere around us.
On this 129th death anniversary of a great master, we should ponder over his life and his teachings. There is no better source to know about Ramakrishna than through the words of his most renowned disciple, Swami Vivekananda. Swami Vivekananda delivered two lectures in New York and England in 1901 about his Master. These lectures were later published in the form of a book “My Master”.
While describing about conditions of the household in which Ramakrishna was born, Swami Vivekananda described how a typical Brahmin household full of austerity and asceticism practiced charity in spite of extreme poverty.
About Ramakrishna’s parents, Vivekananda says: “Very poor they were and yet many a time, the mother would starve herself a whole day to help a poor man.”
Vivekananda further calls his master as being “a peculiar child from very babyhood,” and adds that the master remembered everything about his past and was aware of his life’s purpose from childhood itself.
Ramakrishna’s father died when he was quite young and then Ramakrishna was sent to school. But, says Vivekananda, within a short time of starting his studies, Ramakrishna was “convinced that the aim of all secular learning was mere material advancement, and he resolved to give up study and devote himself to the pursuit of spiritual knowledge.”
He further adds that Ramakrishna was later forced to become a priest at a temple in Calcutta due to extreme poverty.
When Ramakrishna stood in front of the image of “Blissful Mother” Kali, his mind was filled with questions about her.
Swami Vivekananda says: “Day after day he would weep and say: ‘Mother, is it true that Thou exists or is it all poetry? Is the Blissful Mother an imagination of the poets and misguided people, or is there such a reality?’….. This thought which was uppermost in his mind gained in strength every day until he could think of nothing else.”
The idea, the desire to find the truth about the Mother, became so intense that Ramakrishna could no longer concentrate on his worship. He was forced to go into a nearby forest, where he lost all thoughts about his own self or about his bodily needs like food. As days passed, he would weep that one more day had passed and the Mother did not reveal herself to him.
As days, weeks and months passed, Ramakrishna began to see visions and slowly he was able to unlock various mysteries of nature. During this time, says Vivekananda, a woman saint (actually Bhairavi Brahmani) came to see Ramakrishna and addressed him thus: “My son, blessed is the son upon whom such madness comes. The whole universe is mad…. Blessed is the man who is mad after God. Such men are very few.”
She then stayed with Ramakrishna for many years and taught him various aspects of Yoga and other practices. Later another Sanyasin (renunciant) (Totapuri), taught Vedanta to Ramakrishna and initiated him into the order of Sannyassins.
Regarding the spiritual practices of various religions that Ramakrishna undertook, Swami Vivekananda says: “He went to the various sects existing in our country that were available to him, and whatever he took up he went into it with his whole heart…..Thus from actual experience, he came to know that the goal of every religion is the same, that each is trying to teach the same thing, the difference being largely in method, and still more in language. At the core, all sects and all religions have the same aim.”
Speaking about how Ramakrishna overcame the distinction of gender, Vivekananda says: “He began to think that he was a woman, he dressed like a woman, spoke like a woman, gave up occupations of men….until year after year of this discipline, his mind changed, and he entirely forgot the idea of sex; all thought vanished and the whole view of life underwent a transformation>”
Ramakrishna viewed every woman as the very embodiment of Divine Mother. Swami Vivekananda narrated how he had seen Ramakrishna prostrating at the feet of those women whom society would not touch, and weep at her feet saying: “Mother, in one form Thou art in the street, and in another form Thou art the universe, I salute Thee, Mother, I salute Thee.”
Such was the equanimity and mental purity of Ramakrishna. Treating all women as mother was not just something to be read and preached. It was not just a metaphor for him. He realized the reality and lived it.
Speaking about the compassion and equal-sightedness that Ramakrishna had towards everyone, Swami Vivekananda said: “For years I lived with that man, but never did I hear those lips utter one word of condemnation for any sect. He had same sympathy for all of them; he had found the harmony between them…..He condemned no one, but saw the good in all.”
Swami Vivekananda considered Ramakrishna as a “triumphant example, a living realization of the complete conquest of lust and desire for money.” Vivekananda then says that the first part of his master’s life was spent in acquiring spirituality and the last part, in distributing them.
He adds: “His (Ramakrishna’s) intense love for mankind could not refuse help to the humblest of the thousands who sought his aid.”
Though, Ramakrishna developed a “vital throat disorder”, he did not stop speaking to and giving guidance to those who came to see him. Finally, one day (i.e. on 16-August-1886), he decided to cast away his body, and “repeating the most sacred word of the Vedas, he entered into Samadhi and passed away.”
Regarding the teachings and message of Ramakrishna to mankind, Swami Vivekananda says: “Do not care for doctrines, do not care for dogmas, or sects, or churches or temples; they count for little compared with the essence of existence in each man which is spirituality, and the more that this is developed in a man, the more powerful is he for good. Earn that first, acquire that, and criticize no one, for all doctrines and creeds have some good in them.
Show by your lives that religion does not mean words, nor names, nor sects, but that it means spiritual realization. Only those can understand who have felt. Only those who have attained to spirituality can communicate it to others, can be great teachers of mankind. They alone are the powers of light.”
This message of Ramakrishna, if understood and practiced, has the power to end all strife that the world is witnessing and elevate humanity to spiritual emancipation. Let us all ponder on the death anniversary of Ramakrishna.
By- Blogger Indifi
EMI is known as equated monthly installments. It is a fixed payment made by the borrower each month to repay the loan amount. The EMI is divided into two loan components. One is the principal amount, and the second is the interest amount. Whether you are applying for a personal loan, business loan, home loan, car loan, or education loan, EMIs are easy to calculate using the EMI loan calculator.
Three parameters based on which EMI calculator works:
- Loan amount.
- Repayment tenure.
- Rate of interest (offered by the lender).
Factors that affect the Loan EMIs
Above, we have discussed the main parameters on which loan EMI is based. Here are the factors that affect the EMIs.
Changes in the loan interest rate: There are three loan interest rates -- fixed, floating, and hybrid.
When an interest rate offered on a loan is fixed, in that scenario, there are no changes in the EMIs.
A floating interest rate is linked to the marginal cost of the fund-based lending rate and can change the loan EMIs. As the rate is flexible, it keeps changing per the repo rate.
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If you have taken the loan on a hybrid interest rate, the interest rate is fixed only for a particular tenure. After that, it is on MCLR to decide the interest rate, and based on the determined interest rate, the EMI changes.
Tenure: When you opt for a loan transfer from one lender to another, there may be a possibility of change in the loan tenure. It will also bring changes in the EMI calculations. If the tenure increases, it will decrease the EMI. In case the tenure is reduced, EMI will increase.
Sample loan chart of a business company Image source: wikimedia commons
The loan amount of repayment is also a reason that affects a loan's EMI. If you make a loan prepayment, it reduces the outstanding principal amount, based on which the EMI amount or tenure is changed.
Benefits of using an online EMI calculator:
- Find out exact EMIs to be paid monthly for any loan.
- Saves time.
- Get a detailed overview of loans applied using the amortization schedule.
- Plan your monthly finances well in advance.
You can set multiple schedules and loan tenures. After a detailed schedule comparison, choose the one that suits well with your financial requirements.
Significance of loan amortization schedule in EMI calculator
A loan amortization schedule data shows the EMI break-ups. It shows how much EMI you need to pay for interest and what you will pay as the principal amount. It is one of the most significant advantages of using the EMI calculator. The EMIs that you pay as principal will keep reducing the loan's principal amount. It will also result in decreasing the interest amount. You will get to know all these things when you use the EMI loan calculator frequently. The amortization schedule is one of the essential features of an EMI loan calculator that helps design the proper prepayment schedule.
The different types of EMI calculators
Home loan EMI calculator
Home loans are one of the most popular and common loans applied for in India. It has a long tenure and a sizable principal amount. Whenever you apply for a home loan, it is essential to do all the EMI calculations in advance. There are various home loan EMI calculators available online with every home loan provider. All that is required to calculate the EMI is the loan amount, tenure, and interest rate. Using a home loan EMI calculator can help you easily plan your finances.
Business loan EMI calculator
Like home loans, business loans also come with a massive principal amount and longer tenures. So, using the business loan online EMI calculator is a smart way to calculate the business loan EMIs. Requirements are the essential loan details, such as repayment tenure, interest rate, and the loan amount. Online, equated monthly installment is automatically calculated at the lender's website.
Personal loan EMI Calculator
Personal loans are multipurpose. It is the reason they are considered as the most applied loan to meet immediate financial requirements. For choosing the right loan amount, you must use the personal loan EMI calculator. It will help you to choose the best interest rate loan offer and tenure. Try to go with the shorter term to pay less interest on the principal amount.
Sample of External Loan amounts Image source: wikimedia commons
Education loan EMI calculator
Education costs increase each year and can cause financial strains on a family. If you are planning to send your child overseas for higher education by applying for an education loan, at that time, the EMI calculator proves to be the best online financial tool. It will help you to decide the right EMI amount where your daily expenses remain unaffected.
Simple interest loan EMI calculator
An EMI calculator is used to calculate the simple interest applicable on the loan amount for a specified tenure. It is one of the most accessible financial tools. All that is required is tenure, a simple interest rate, and the borrowed amount. After that, click on 'calculate' to know the exact EMI to be paid.
Loan against property EMI calculator
If you have any residential or commercial property registered in your name, you can apply for a loan against the property. It is a kind of secured loan, where the property is kept as collateral. To understand how EMI works under this loan scheme, use the loan against the property EMI calculator.
Overall, EMI loan calculators are one of the best financial tools to compare varied loan offers. It provides a clear picture of the total cost of the loan and respective EMIs to be paid monthly. Online EMI calculators are available on every lender's website; whether you are applying for a business loan online, home loan, car loan, personal loan, or any other loan, using the online EMI calculator can help. Just with a click of a mouse, you can keep control of your financial life.
The online EMI loan calculator has been programmed with the formula based on the loan applied. There is no need to worry about the accuracy of the result. All that you are required to share for the calculator to do its job accurately is the right amount, tenure, and interest rate offered by the lender.
Disclaimer: (This article is sponsored and include some commercial links)
The symbol of Swastika is known to signify peace, prosperity, and good fortune in the religious cultures of Eurasia. In fact, this symbol is considered very significant in Hinduism, Buddhism, and Jainism. But, at the same time, it has become one of the most misunderstood religious symbols and has been globally banned in many countries.
The reason why the symbol of Swastika is banned in many countries is because of its association with Adolf Hitler's extreme political ideology, Nazism, as Swastika as its official symbol.
Austria, France, Latvia, Spain, Germany, and Russia are amongst the many countries that have banned the display and use of the Swastika.
Moreover, last week Victoria in Australia is preparing to become the first-ever state to ban the public display of the Swastika. This is a step towards an expansion of anti-vilification laws in the state.
Representation of the Swastika on the flag of Adolf Hitler's Nazi Movement.Photo by Flickr.
Now, we must know and understand what went wrong with this symbol, which is sacred and signifies all-good things.
For a very, very long time, in India, the Swastika is the first emblem that is worshipped or even drawn before any sacred and auspicious ceremonies as this symbol in Sanskrit represents 'well-being'. But, the Swastika lost all its credibility when it was wrongfully used by Adolf Hitler.
In fact, it is believed that if this symbol is worshipped properly, then it gives positive results. But if it is abused, then it gives negative results. So, when Adolf Hitler rotated the Swastika at 45 degrees, it slowly and steadily brought misery not only to Adolf Hitler and his theory of Nazism but also to all the people who were associated with him.
Therefore, in order to give the kind of respect and credibility which the Swastika deserves, World Interfaith Harmony Week which was held in New York in February this year, interfaith groups appealed to the United Nations to recognize and acknowledge the Swastika as an important and peaceful symbol. In fact, they also differentiated it from the Hakenkreuz or "Hooked Cross" of Adolf Hitler.
Keywords: Swastika, Symbol, Nazism, Hinduism, Adolf Hitler, United Nations, Buddhism, Jainism
India celebrated a historic day on August 7, as 23-year-old Neeraj Chopra became the first Indian to win an Olympic gold medal in athletics. In the men's javelin throw event, he achieved his greatest triumph, throwing the javelin 87.58 meters on his second try.
Neeraj Chopra was born on December 24, 1997, in Khandra village in Haryana's Panipat district. He grew up in a Haryanavi family of farmers. He is the brother of two sisters. He graduated from Dayanand Anglo-Vedic College in Chandigarh and is now enrolled in Lovely Professional University in Jalandhar, Punjab, pursuing a Bachelor of Arts degree. Chopra was bullied due to his obesity as a kid, which prompted his father to enroll him in a nearby gym. He then joined a gym in Panipat, where Jaiveer Choudhary, a javelin thrower, noticed his potential and coached him. When the 13-year-old Chopra finished training under Jaiveer for a year, he was enrolled at the Tau Devi Lal Sports Complex in Panchkula, where he began training under coach Naseem Ahmed.
In 2018, he broke the world record in the javelin throw and became India's first-ever gold medalist in the javelin throw. He is also a laureate of the Arjuna Award for 2018. | Wikimedia Commons
Chopra's first international medal came in 2014, as he took home a silver medal at the Youth Olympic Qualification Tournament in Bangkok. In 2015, he set a world record in the junior category of 81.04 meters in the 2015 All India Inter-University Athletics Meet.
Since emerging into the public eye with a historic gold medal at the junior world championships in 2016, he has maintained a high level of performance, setting an Under-20 world record of 86.48m, which still stands. Gold medals in both the 2018 Commonwealth Games and the 2018 Asian Games are among his other accomplishments, including a first-place in the 2017 Asian Championships. In 2018, he broke the world record in the javelin throw and became India's first-ever gold medalist in the javelin throw. He is also a laureate of the Arjuna Award for 2018.
Chopra has also had his share of bad events in life. In 2019, he underwent surgery on the elbow of his right throwing arm, which kept him out of the game for almost a year. However, he returned more robust than ever. In November 2019, he went to South Africa to train from Klaus Bartoneitz. He spent the following year in India training at the NIS Patiala because of the COVID-19 pandemic. He was allowed to go to France with his coach after weeks of trying to get a travel visa.
Neeraj Chopra made history in the 2020 Tokyo Olympics by becoming the first Indian to win a gold medal in athletics. Also, it is worth mentioning that after Abhinav Bindra, Chopra is only the second Indian to win an individual gold medal.
Keywords: Neeraj Chopra, Olympics, Tokyo2020, Gold medal, javelin, India, Haryana