Why Atal Pension Yojana?

When the Finance Minister launched the much awaited Atal Pension Yojana, it was a dream come true for non organised working force. Until now there was no Social Security for the sector like the one that existed for Government Employees. The security shell that a pension provides is so high that Bank's Employee's had to undergo series of strikes and bandh's to get that implemented.

But nothing like that was ever thought of or provided for the unorganized and private sector employees. Government employees after retirement are secured for life and do not need to worry about the money during their old age, same security is not there for the private sector employees. They have to take care of the finances without that security net.

Here are the reasons why each and everyone must open an account in Atal Pension Yojana:

Guranteed Returns:

No matter what the Mutual Funds or the "Scamming" ULIP providers say the returns on those schemes are not guaranteed. So much so that there are too many hidden charges on the premiums you pay. Some ULIP schemes have more than 50% charges on 1st year of premium. That is utter and brazen thievery. Same is not the case in Atal Pension Yojana.

No Withdrawals:

Each and every investment starts with a purpose. The following is for education, the following is for retirement or the following is for buying the car. But life is uncertain or greedy. You see something you want and you decide to break the investment on its maturity and reap its benefits for something else. In Atal Pension Yojana, the corpus will only be paid to your nominee however you are secured with a pension in your old age. So you cannot break the investment. I LOVE THIS!

Decent Returns:

I read so many people comparing the returns with FD's and RD's. Let us break it down one by one. First, I will try to examine the returns with RD's. A quick calculation is as under:

For Rs. 1.7 Lakh corpus which is indicative in the Rs. 1000/month pension a person of 18 years old pays an amount of Rs. 42/month for 42 years.

Now let us calculate the same for Recurring Deposit using the following formula:

Maturity Value of the Recurring Deposits  - based on  Quarterly Compounding)

M =R [ (1+i)n – 1]          --------------------            1- (1+i) -1/3  M = Maturity value R = Monthly installment n = Number of quarters i = Rate of interest/400

In order to reach to Rs. 1.7 Lakh with an average ROI of 8% on the RD a person pays same amount of Rs. 42/month. But a person also pays income tax on the interest earned which is not charged in Atal Pension Yojana. So assuming you are in lowest tax bracket. The interest on RD will come to INR Rs. 15,000 on maturity at the end of 42 years. The corpus reduces down to Rs. 1.5 Lakh. Atal Pension Yojana still gives 20,000 more.

Now let us calculate the same for Fixed Deposit, in order to have Rs. 1.7 lakh in corpus you will need to invest Rs. 20,000 today. Because it takes approx. 10 years for money to double at 8% per annum. Again the income tax is applicable on the said return plus you need to have at least 20,000 in  hand to start.

As you can see from the above that Atal Pension Yojana does offer a better and safe alternative to the traditional Fixed Deposits or Recurring Deposits.

Social Security: 

No other government has ever thought of providing social security to people of India other than the Narendra Modi led government. The Atal Pension Yojana is one such step. I provides social security to more then 42 crore people. Moreover, the same social security is provided without it being a burden on the government coffers. The scheme offers to pay the nominee full amount on a person's death and/or pay them the monthly pension whichever is so desired. It gives you and your spouse a better security option since after you are gone your spouse will still have financial security of a kind which can be huge at a person's old age.

As you can see above that I have tried to explain in a layman's terms why the scheme is not a bad one and why it is beneficial for each and everyone to enroll in it. Still there are people who just for the sake of opposing will oppose the scheme.

The major reason for opposition to the scheme from the media is their hatred for Narendra Modi and BJP in general. You have to be careful not to miss a golden scheme because same people must already have opened the account in the same scheme.

Just clear your head of hatred for Narendra Modi and think about your future and what an additional sum of money will mean to you when because of your age you can no longer earn much,

So, keep away from nay sayer's get your Atal Pension Yojana account opened today. Feel the need to be socially secure. Best of luck!

Why the hatred for Brahmins?

In the last few decades the hatred towards "Brahmins" has increased and increased at magnitude pace in Hindu's in India. The main reason given for this hatred as explained by those who hate is "Greed". When asked Greed of what? The immediate answer is MONEY. So if a brahmin performs a ceremony at your place he should not take money in return? I asked a friend of mine who was spewing venom against brahmins. His immediate answer was NO. I asked so how is he supposed to take care of his family and children. His answer  for this question is even more outrageous, he claims the temple's funds/donations go to him. I asked again, did you know temples are under government control? The answer was YES. So i asked again how exactly is than the temples funds under the control of the brahmins? He is now speechless, but still maintains his mind about how bad Pandits or Brahmins are?

So from where does this hatred begin? Who aided in adding this hatred in many of the people's mind? The answer is not far away, you just have to look a few years back. In 1857, the mutiny against the british was started by Brahmins. The same was curbed with the help of the political leaders of the country. Than came the era where British effectively wanted to destroy the Brahmins so the same mutiny cannot be re-instated. The same was effectively launched and started in 1921 under the leadership of Justice Party, who in return gave birth to the Dravidian theory. Telling people that Aryans/Brahmins were the invaders who captured and converted the Dravidians. There is actually no proof for this theory at all and the same has been rebutted a multiple times.

What was the need to create such a theory? To make the image of a brahmin bad in the eyes of the people. If brahmins were removed Hinduism cannot survive.

When in 1857 the mutiny started the british were not able to contain it simply because entire Hindu brethren was united and fighting for the cause laid down by the great Mangal Pandey. At last when the mutiny was suppressed with great force and hanging of Mangal Pandey, a study was conducted on how it can be prevented from happening again. The answer was simple Divide the Hindu's. Spread hatred for pandits and brahmins and the same will be achieved with ease. This was the plan and this was to be executed so Missionaries could do their work without any hindrance as well.

The main reason for the start of the mutiny was the revolt by the brahmins when they were forced to use ammunition laced with beef and meat from cows. That led to huge rebellion which in turn led to the first struggle for independence way before Gandhi was even born.

The mutiny would have been successful had the british not been able to divide a few maharaja's who were dead against the proposed democracy at that time. But the same maharaja's in their own greed let the fight die and a flame extinguished. This led to a wide spread discontent and started the era of division.

If the unity of Hindus was to be killed all that was needed to be done was to break the backbone of Brahmanism and Hinduism will start to collapse because what exactly is Hinduism?  Hinduism is a myriad of small religions wrapped around the core of Brahmanism by the notions of Karma and Dharma. The backbone of the Hindu unity could easily be broken because the the brahmins neither had power nor wealth. The justice party as explained above started discriminating against brahmins in all walks of life including education, employment, court cases, land ownership and so on,which continues to echo till today.

Now came the tedious part of derailing temple wealth. Because temple's in the country were huge and had enormous wealth. To achieve this, the non hindu's were regarded as hindu's by the british which brought discontent and anger among the Hindus who were controlling the temples. So in 1923 the government nationalized the heritage temples thereby breaking the economic backbone of Hindus and most importantly of all brahmins. So, With the Brahmin soul of religious guidance and leadership discredited and persecuted, religion became what the Government said it was and the courts permitted.

The same continued even after 1947 and in 1959 all temples were nationalized. So, instead of temple wealth being used for the education, health and welfare of those who were Hindus in 1921, it is now used for the welfare of Dalits, Churches, Mosques, Madrassas and Haj pilgrimages.

Today "Hinduism" is driven by notions of Khilafat Gandhi, Dalits, Communists, Secularists, Rationalists, Atheists and worse. i.e. the Government and Courts of the Indian Republic. Crores are plundered from the temples for the pelf, pleasure, pomp, perpetuation and perversions of India's ruling scum. To survive, there must be a "Hinduism". Effectively "Hinduism" was brought to an end by the Indian Republic pursuing the policies of the British and their surrogates from Periyar, to Khilafat Gandhi and Jawahar lal Nehru.

Conversion and Its Effects!

Since I was born in a modern Hindu family, I was always taught how we all are equal and how every religion was a path which we can follow to reach the final destination. This was so imbibed into me that if for any reason when anyone said something ill about any God or Godly figure, i argued with them with all the vigour. I came to respect all the religions and used to ask my Muslim friends to bring sweets for Eid and Christian friends cake for Christmas. And used to invite them whenever any Hindu festival was being celebrated.

It used to feel good celebrating all the festivals as all lead to One God but were different path. With the same mindset I came into the world and started doing work for different people. During my childhood religion was not the most discussed topic, but it was not the case in my work. During the first few years of my work, my idea of different path leading to One God got changed. Because this different path theory is followed by only Hindus and no one else. I came across many people from all over the world, all of them wanted me to "CONVERT". Yes, I said it.

I was told by many people how when the end will come only "Christians" will go to heaven and all others will be left on earth to die in eternal hell fire. This is something which can be found in Bible and is being used by people to convert by imbibing fear. The tagline for the conversion is "Convert or be damned to live in hell till eternity". This alone is enough to send chills into the spine of people, who are gullible, who in turn become so scared that they do not question anything and start following with a blindfold.

This same tagline was used on me by many people, who in the course of my work, yes "Professional" work wanted me to convert and practice their religion. Many people gave me long list of arguments which I will discuss in the next articles. But the core and first message is to Accept or live in Hell. This was something which was completely opposite of what I had been taught during my childhood. I was told that all religions are just paths to reach to One God. All have different paths but the goal is same. But now the same idea was being challenged by many "Convert" specialists as they preached only true believer will go to heaven and rest will burn in hell for eternity. If you think i am exaggerating, please read this "'It is a vision that will be fulfilled, for Jesus said in Matthew 24:14, "The gospel of the kingdom will be preached in the whole world as a witness to every nation and then the end will come.'" In this gospel it is clearly mentioned that for the end to come entire world needs to be converted. Anyone who is not converted will be left to burn in eternal fire.

The said things shook my entire belief and what I was taught during my childhood. I used to love that idea of "Different Path, Same God" but now in real world I am being told otherwise. This brought distrust in me. Whom to believe and what to do.

When questions arise, some people start digging and some do not. Some people start questioning more and some become subservient. Many people get scared and never ever question anything. This leads to more distrust, which in turn leads to more questions.

Those who become subservient are most gullible and get converted and wait for the end to live in heaven whilst those who do not believe will burn in hell. Those who question get no answers which in turn leads to more questions and in turn become "Atheists". 

I started to question my own belief about "Secularism" about God being One. What I discovered was not pleasant and was not at all what I expected. God is One is preached only by Hindus no one else. PERIOD. Everyone else wants you get converted and follow their path. This shattered my idea of Secularism and brought out a huge list of historical events in front which are kept hidden from the masses.

The first effect of Conversion is the idea of  "Secularism" is dying and dying very fast. Wake up or it will be too late.