" since the age of 20, for reasons not known to me i started meditating regularly. recently i felt i am getting answers to questions-what is soul, what is misfortune and fortune, how to increase good fortune, where memory and intelligence lie and the like. now i know memory and intelligence are not stored in brain but in soul for ever and even after death. we carry credit balances of good deeds and debit balances of bad deeds. make a soul happy you increase your balance of fortune and make a soul unhappy you decrease your balance of fotune. perform all your liegitimate duties to the best of your ability completely and honestly and you increase your balance of fortune. balance of fortune/misfortune is carried further even after death and remains in effect on rebirth. "