Copyright © 2020 Marc Boney

First Edition, 2020

All rights reserved. No part of this book may be reproduced in any form or by any means, electronic
or mechanical, including photocopying, recording, or by any information storage and retrieval
system, without permission in writing from the publisher: Sarasvatī Publications, 985 Woodgrove
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www.marcboney.com
ISBN: 9798662963795
 DEDICATION

To Shri K.N. Rao,

who ignited in me the light of Jyotiṣa.

“Jyotiṣa is the art of seeing light, of guiding, of counseling based on the

truth called the horoscope. Jyotiṣa is the pathway to God through the mazes
of intuitions and the brilliance of an organized science, like any other
science. Jyotiṣa is the fusion of the divine with the mundane, the
metaphysical with the scientific methodology, a divine chorus of the music
of the heavens and the dance of the stars. It is that divine ballet, Jyotiṣa,
which is at once both divinity and science that we are presenting.”
 ACKNOWLEDGMENTS

First and foremost, I wish to acknowledge my parents, Jack and Helen

Boney, who personally sacrificed so that their children could receive the
best education possible. For this, I am eternally grateful.

My heartfelt thanks to my many wonderful students around the world

who in their sincerity and eagerness to learn have inspired me to write
articles and books.

My great appreciation to Susan Lalji for her painstaking efforts in

preparing this manuscript for publication. Were it not for her assistance this
book would never have happened.

Lastly, my eternal gratitude to Ravi for his astonishing generosity in

support of all my astrological endeavors. May God’s blessing be upon him!
DEDICATION

ACKNOWLEDGMENTS

INTRODUCTION

CHAPTER ONE:
WEALTH AND BENEFIC PLANETS

CHAPTER TWO:
THE MOON AND WEALTH

CHAPTER THREE:
PLANETARY COMBINATIONS FOR WEALTH

CHAPTER FOUR:
ESPECIALLY WEALTH-GIVING PLANETARY COMBINATIONS

CHAPTER FIVE:
WEALTH-GIVING GRAHA YOGAS

CHAPTER SIX:
WEALTH THROUGH LOTTERY WINNINGS

CHAPTER SEVEN:
WEALTH THROUGH INHERITANCE

CHAPTER EIGHT:
WEALTH AND THE YOGI POINT

CHAPTER NINE:
A SPECIAL ASCENDANT FOR ASSESSING WEALTH
 POTENTIALS

CHAPTER TEN:
WEALTH AND THE IYER D-11

CHAPTER ELEVEN:
PREDICTING PERIODS OF PROSPERITY

CHAPTER TWELVE:
THE GREEK MYTH OF KING MIDAS

AFTERWARD

ABOUT THE AUTHOR

 INTRODUCTION

We have all heard the expressions “Money can’t buy you love,” and “Money
can’t buy you happiness.” They are commonly accepted as truisms. While
growing up I can also remember hearing the expression “You can’t take it
with you,” referring to what happens to your money when you die. This also
is obviously quite true. But the Chinese have the saying “No money, no life,”
and if you were to speak to those who live in abject poverty, without at times
the resources to purchase even the barest necessities of food, clothing and
shelter, they would likely acknowledge the truth of this as well. The fact is
that to have any kind of life that the majority of us want requires financial
resources, which is why most adults around the world spend a good portion
of their daily life working in order to make money.

Then there are the many who don’t wish just to make a good living, but who
dream and scheme and devote almost all of their time and energy to
becoming rich. In the materialistic culture of the U.S. the pursuit of money,
or “chasing the almighty dollar” as I once heard it expressed, is a major pre-
occupation for a large segment of the society.
It is not at all surprising then that questions about money and finances are
among the most frequently asked by individuals who consult astrologers,
along with those about career and relationships. Questions about career and
money are often tied together since success in one’s career life usually
results in better financial fortunes. These were the questions I encountered
when consulted recently by a Russian woman of my acquittance whose chart
is given above. She knew enough astrology to understand that she had
entered her Ketu-Mercury period and wanted to get input about this dasha
sequence, specifically regards career and income. Pārāśara Horā instructs
us that an astrologer should predict only after considering the time, place and
circumstances of the individual.

In her case I was aware that she was a single woman in her mid-forties who
after graduating from university had spent nearly two decades working in the
travel and tourism industry in Russia. See the 10th lord Moon in the 9th
house forming Kesari Yoga with the 3rd lord Jupiter along the 3-9 travel axis
of the birth chart. Gemini and Sagittarius are also travel signs.

But she had grown tired of this and wanted to do something more
meaningful so she decided to become a nurse and was now nearing the
completion of a four-year course of study to qualify. Note that Jupiter is also
the 6th lord of the healing arts in mutual aspect with her 10th lord Moon.
Ketu, very closely conjunct the Moon and giving the results of this
combination, had brought about this mid-life career change. She had only
been able to work minimally while training which had drained her finances
and put her in debt. Now she was about to graduate What lay ahead?

I had told her even before she moved into the Ketu major period some six
years previously that it would give her a new and better position in life, and
likely a better income. The basis of this prediction was partly the Kesari
Yoga that Ketu gives the results of mentioned already, but also the nodal raja
yoga formed by Ketu acting as a trine lord and the Moon as the 10th angle
lord. Of course, Ketu would also give the results of its dispostor, Mercury,
and it was now the Mercury sub-period. After examining her Mercury my
answer to her question about what lay ahead was “A good position and
restored income”.

As I have stated repeatedly in my books and articles, what gives Jyotiṣa its
predictive power is yogas and daśās. The former shows the static potential in
a birth chart and the later activates that potential. Seeing what yogas, if any,
a period or sub-period lord participates in provides the basis for a prediction.
In her case I could see that Mercury gives some level of both a position-
giving rāja yoga and income-generating dhana yoga.

• Mercury rules the 9th trine house and it is in a mutual aspect with
Saturn, an angle lord and yogakāraka for her Libra lagna. This
creates rāja yoga.
• Saturn is also the 5th trine lord and its mutual aspect with another
trine lord, Mercury, also creates dhana yoga.

I was aware that the previous Ketu-Saturn period had brought her some
much-needed financial support from a benefactor which had allowed her to
concentrate on completing her studies and not worry about generating
income. I reasoned that Ketu-Mercury would be better this way because it
had the greater source of strength due to its exchange with its dispositor, the
2nd lord Mars.

The fact that Ketu and Mercury were connected in her daśāmśa further
supported her obtaining a position in the Ketu-Mercury period, though the
lagna of this division could not be relied upon since the birth time is
approximate.

The chart above belongs to a woman who moved into her Ketu major period
at age 62. She is divorced and self-supporting as a teacher of yoga and a
variety of other exercise classes at studios and fitness centers. Since she has
no real retirement fund other than Social Security, she is concerned about her
financial future. I was able to reassure her that she would be fine financially
both in Ketu and then the subsequent mahādaśā of Venus.

• Ketu is in the 2nd house of earned income with a vargottama Jupiter,

the 11th lord of gains.
• As in the previous chart, Ketu is in Mercury’s sign, giving the result
also of this 2nd and 5th lord well placed in an angle house with the 1st
lord Venus.
• This combination in the 10th house of career also receives the aspect
of the strong Jupiter

It all added up to a picture that indicated that she would be able to continue
to earn at an acceptable level well into her older age. Now three years into
the Ketu major period, the prediction has proved correct so far.

The coronavirus pandemic of 2020 has wrecked financial havoc on millions

if not billions of people world-wide and the person whose chart is shown
above is one of them. For decades she has managed to barely make an
acceptable income from her jewelry business. Her main source of revenue
has been as a vendor at large events held at hotels and resorts involving
hundreds of people. When the Covid-19 virus hit the U.S. in March of 2020
all such events were cancelled and essentially her income stopped. She had
to take a minimum wage job to maintain cash flow to meet essential
expenses. It is her Jupiter-Saturn period. Saturn is the 2nd lord of income in
the 12th house of loss with Jupiter as the 12th lord.

I present these case studies as examples of both the kind of charts and
scenarios that an astrologer frequently encounters in which the main
question is about money. They are also illustrations of charts where the over-
all karmic potential for wealth or even simply financial prosperity are quite
ordinary or even below average. Rarely, at least in my experience, does an
astrologer encounter charts showing the potential for exceptional wealth,
thereby giving them the opportunity to predict this. In my astrological career
it has happened only a few times.

Back in the late 1990s I was asked to give a consultation to pop music star,
Bonnie Raitt, after she had already moved into her Saturn major period and
won 5 Grammy Awards in one night in Saturn-Saturn. It was quite evident
that this whole period would bring great fame and fortune, and I wrote an
article about this entitled A Night at the Grammy Awards. The fortune part
was predictable because Saturn is the 11th lord of gains in the 5th trine house
making aspect onto its own 11th house. Its conjunction with a vargottama
trine lord, Mars, is a dhana yoga, or wealth-giving combination. Moreover, I
saw that her Saturn is in the nakṣatra of Pūrvā-Phalgunī ruled by Venus,
who is the 2nd lord of income in the 9th house of fortune. By the time this
period ended her net worth was over $12 million.

Around this same time, I was also asked to give input on the birth chart of
Mike Love, a member of the famous musical group, The Beach Boys. He and
his fellow band members had long since been fabulously wealthy as a result
of their enduring popularity beginning in the 1960s.

I was seeing his chart just after he had entered his Mercury major period and
it was evident that this mahādaśā would only add to his financial fortunes.

• Mercury is the 1st trine lord with the 5th trine lord, Venus, conjunct in
the best trine house, the 9th.
• This pattern repeats from the Moon in which Venus is now the 1st
trine lord, Mercury rules the 9th and they are placed in the 5th from
Chandra lagna.
• From the birth lagna their dispositor, Saturn, is the 9th lord in the 11th
house of gains and nīcabhaṅga.
His current fortune is estimated at $80 million.

From all five of these case studies it should now be apparent to the reader
that when evaluating a person’s financial fortunes there are certain houses of
the horoscope and their lords which are especially relevant this way. These
are the 2nd and 11th houses and their lords, as well as the three trine houses,
1, 5, 9 and their lords. As will be seen in great detail in later chapters, when
these houses and house lords combine, they can form dhana yogas, or
planetary combinations for prosperity. If the planets involved are
exceptionally strong such combinations can give wealth. The activation of
these combinations in the daśā sequence can then be used to predict periods
of increased financial fortunes.

Jyotiṣa is the most complex and sophisticated form of astrology in existence

and includes a wide variety of techniques for assessing any kind of
prārabhda karma in a birth chart. My purpose in writing this book is to
instruct the reader in a comprehensive set of methods for assessing
specifically wealth-potentials as reflected in a birth chart and to illustrate
these methods profusely through numerous examples.

Marc Boney
Anno Domini
2020
Cardiff by the Sea, California USA
In Vedic astrology the most basic classification of the nine grahas is in the
two categories of natural benefics and natural malefics. Under the right
conditions all nine grahas, regardless of their innate nature, can be wealth-
givers, but generally speaking the natural benefics are more inherently the
bringers of the good things in life, including wealth. Among these Jupiter
and Venus are considered the two best natural benefics, and when they are in
exceptional conditions within a birth chart, they can be major wealth-
contributing factors. Jupiter is the planetary indicator of plenitude and
largesse and Venus of luxury. See the chart of J.P. Morgan, one of the
wealthiest men in the world during the 19th century. His immense personal
fortune once helped prop up the U.S. economy during a bank panic.

Jupiter is in its exaltation sign, Cancer, as both the 2nd lord of income and
the 11th lord of gains. Venus is not merely in its exaltation sign, but at 27
degrees of Pisces is at its most extreme point of exaltation. It is also the 9th
lord of bhāgya, or fortune, placed in the 2nd house of income. Additionally,
Venus receives the aspect of its sign lord, the exalted Jupiter.

The birth chart of the famous Indian sitar master, Ravi Shankar, who became
very wealthy as a result of his highly successful music career, also has
Jupiter and Venus in their exaltation signs.

Venus is not quite so exalted in his birth chart being in the early degrees of
Pisces but is again in Jupiter’s sign and aspected by his exalted Jupiter who
is placed in the 2nd house of wealth.
Hollywood icon, Elizabeth Taylor, made a fortune of her own through her
movie career but also married very wealthy men who lavished a fortune
upon her. She was especially known for having a jewelry collection worth
millions of dollars. Like in the previous two charts both Jupiter and Venus
are in their exaltation signs. In her case Jupiter is the 2nd lord of income in
the 9th house of fortune. Her exalted Venus rules the 7th house of the spouse.

However, readers should not get the impression from these examples that
merely have Jupiter or Venus in their exaltation signs means that a person is
destined to be wealthy. Other factors must come into play. What houses
Venus and Jupiter rule and in what houses they are placed will also play a
big part in determining whether these exalted benefics will actually give
wealth.

Houses 2 and 11 are the primary monetary houses and the trine houses, 1, 5,
9, are referred to in the Sanskrit classics of Jyotiṣa as Lakṣmī-sthānas or
places of the Goddess Lakṣmī, the Vedic deity of wealth. Among these, 5
and 9 and their lords are particularly highlighted as wealth-givers.

Another major factor is whether a person ever runs the planetary period of
these benefics.
 • Much of J.P. Morgan’s enormous wealth came in his Jupiter major
period.
• Ravi Shankar’s wealth from his stellar music career came primarily
in his 20-year Venus period.
• Elizabeth Taylor’s initial wealth from her movie stardom as a child
came in her Jupiter mahādaśā.

Back in the 1960s, Stevie Wonder, a blind, teenage boy from Detroit, made a
fortune for himself and his recording company as part of the immensely
popular “Motown Sound” of that era. It was in his Venus period, an exalted
2nd and 9th lord.

Former U.S. Vice-President, Joe Biden, is much in the news these days as
the Democratic candidate for the 2020 U.S Presidential election.
He has been running his Jupiter major period, an exalted 2nd lord in the 9th
house. His current fortune is estimated to be around $9 million.

Jupiter and Venus in other exceptional dignities, such as mūlatrikoṇa and

own sign, can also be great wealth-givers when placed in and/or ruling trine
houses or 2 and 11.

Gwyneth Paltrow first made millions as a movie star and then many more
millions as an entrepreneur through her life-style website, Goop.com. Her
estimated net worth in 2020 of $100 million has come into her life in her
Rāhu and Jupiter major periods.
For anyone with Aquarius as the ascendant, Jupiter has a particular wealth-
giving potential since it rules both the 2nd and 11th houses. Hers is placed in
its mūlatrikoṇa sign in its own 11th house with a vargottama Rāhu, who
gives Jupiter’s results strongly also in its major period.
British romance author, Barbara Cartland, set a record by publishing 24
novels in one year in her Jupiter major period. Sales of her books earned her
millions during this mahādaśā of the 9th lord in the 9th house in its
mūlatrikoṇa sign.

British actor, Jude Law, became a major movie star in his Jupiter period and
reaped the financial rewards that go with this. His Jupiter is also in
Sagittarius, but in his case as the 2nd lord in the 2nd house.

Former Heavyweight Boxing Champion, George Foreman, won millions in

the ring when he became the world champion for the second time in his
Jupiter mahādaśā, placed in Sagittarius as the 5th lord in the 5th house. Later
in the period he acquired even more stupdenous wealth as an entrepreneur
marketing a patented outdoor barbecue grill.
The previous four charts were examples of Jupiter in its mūlatrikoṇa sign as
the 2nd, 11th, 5th, or 9th lord in its own house giving greath wealth when the
individual ran the Jupiter major period. Now see a similar result when Venus
is in its mūlatrikoṇa sign, Libra, as lord of these houses.
Scottish movies star, Gerard Butler has three natural benefics in his 2nd
house, including Venus in it mūlatrikoṇa sign as the the 2nd and 9th lord. His
film career has netted him a forutne of $30 million.

The chart below is not that of some well-known person but of a Russian man
of my acquaintance who has become quite affluent in his Venus major period
from multiple income streams.

His Venus is both mūlatrikoṇa and vargottama as the 11th lord in its own
11th house.

Steven Spielberg is one of the most successful movie-makers of all time. His
spectacular career has made him enormously wealthy with a estimated
fortune of $3.6 billion in his current Venus mahādaśā. His Venus is in Libra
as the 5th lord in the 5th house with another benefic, Jupiter.
Actress, Demi Moore, was once paid $12 million for a single movie
performance. It did not happen in the Venus mahādaśā, but this graha in
Libra as the 9th lord in the 9th house certainly contributed to the wealth-
giving potentials of her birth chart.
Of course, Jupiter and Venus can also be great wealth-givers when placed in
their own signs, Pisces and Taurus, as the lords of the trine houses 5 and 9 or
2 and 11 in those houses.

Pop and folk singer, Judy Collins, was a leading recording artist and concert
performer for decades beginning in the 1960s and her muscial career made
her a very wealthy woman. This happened in her Jupiter major period.

All three benefics are together in her 9th house including Jupiter as the 9th
lord in its own sign, Pisces, along with an exalted Venus.

During his Jupiter major period Tom Brokaw became the anchor for the
NBC nightly news and earned millions in the position. His Jupiter is the 2nd
lord in the 5th trine house in its own sign, Pisces.
Fame and fortune came to Drew Barrymore as a child actress in her Jupiter
major period. Like Judy Collins her chart features a combination of Jupiter
and Venus in Pisces, only hers falls in the 11th house.

The chart below is that of an American TV evangelist/con man who built his
“Praise the Lord” ministry into a $129 million a year business in his Jupiter
major period. His empire came crashing down in the subsequent Saturn
period when he went to prison after being convicted of fleecing his flock of
$158 million. Note that Saturn rules his 12th house of prisons.

Now see how Venus in its own sign, Taurus, can give wealth when situated
in these wealth-related houses.

Successful politicians usually get rich and this was true for former U.S.
President Gerald Ford who amassed a fortune estimated at $8 million,
mostly during his Venus major period, his 2nd lord in the 2nd house.
The birth chart of the current Queen of Denmark, Margrethe II, has both
Jupiter and Venus well placed in their own signs as the lords of wealth-
related houses in that house. Her 2nd lord Sun is also exalted.

She was crowned Queen in 1972 in her 20-year Venus major period during
which she enjoyed great wealth. Her net worth is estimated at $40 million.
Helen Hunt’s career as an awarding-winning actress, director and
screenwriter has created a fortune worth $55 million. The majority of this
has come in her Venus major period, with this natural benefic in Taurus as
the 9th lord in the 9th house.

Below is the chart of an acquaintance of mine who has had a trust fund and
has never had to work for a living. Her chart features Venus in Taurus as the
5th lord in the 5th and this is the period she has been running. Note also that
Venus is the 8th lord in the 8th house of inheritances from the Moon.
In Jyotiṣa Jupiter and Venus are said to be “unqualified benefics.” This
means that their inherent nature is always benefic. Mercury is also classified
as a benefic but as a conditional one because whether or not it behaves as
such is conditioned by other factors as follows:

• It is most benefic when exclusively associated with the other

benefics, Jupiter and Venus, and without the additional influence of
natural malefics.
• It is a benefic when unassociated with either natural benefics or
malefics.
• It behaves more as a natural malefic when exclusively associated
with natural malefics and without the additional influence of natural
benefics.

These conditions are illustrated in the following birth charts:

This horoscope of a women friend of mine features Mercury in the 10th
house conjunct Venus and aspected by Jupiter, while being completely
devoid of the influence of any natural malefics. It does not have a
particularly good dignity, but otherwise this is a very benefic Mercury.

In the chart of billionaire computer entrepreneur, Ross Perot, Mercury is

completely unassociated. It is neither conjunct nor aspected by any other
planets. As such it functions in this chart as a natural benefic forming Śubha
Kartarī Yoga, or a benefic hemming of the 1st house along with Venus.
In the chart of former U.S. President John F. Kennedy Mercury is closely
conjunct the natural malefic Mars and is aspected by the other, worse natural
malefic, Saturn. There is no modifying influence of natural benefics onto
Mercury. Since Mercury is his 1st lord pertaining to the body this is among
the astrological reasons why he suffered life-long health problems and died
by gunshot wounds to his head.

Like the other benefics, Mercury can also bring great affluence when in a
good dignity and well placed.

Swami Prabhupada, founder of the International Society for Krishna

Consciousness (ISCON), was a spiritual renunciate, but when he became a
world-famous guru in his Mercury major period, he lived in splendor.

His Mercury is the 9th lord in the 9th house and less than four degrees from
its deepest point of exaltation at 15 Virgo. It has the additional influence of
the natural benefic, Venus, whose debility gets cancelled being with an
exalted planet. These grahas are without any influence of natural malefics.

Starting in 1971 in his Venus-Mercury period, a former used-car salesman

from Philadelphia who had changed his name to Werner Erhard began
making millions after becoming a self-styled “Transformation Guru” and
offering expensive personal growth seminars. They became a major cultural
event of that era in the U.S.
His Mercury is also just a few degrees away from extreme exaltation as the
5th lord in the 5th house. It has no malefic influence and is flanked by natural
benefics in adjacent houses. For anyone with Taurus lagna, Mercury also
rules the 2nd house of wealth.

To add to this picture, from Candra lagna (Scorpio), Mercury becomes the
11th lord in the 11th house. When he ran his Venus major period, from daśā
lagna (the position of Venus in Leo), Mercury becomes the 11th and 2nd lord
in the 2nd house. His very exalted Mercury was in many ways the most
significant contributing factor to the wealth he acquired.
Of course, if the birth lagna is Leo and Mercury is in Virgo as the 11th and
2nd lord in the 2nd house, then it can give great wealth, which it did for
Hollywood’s “Singing Cowboy,” Gene Autry.

Subsequent to his highly successful career in the entertainment industry,

Autry got even wealthier as the owner of television and radio stations and a
major league baseball team in his Mercury mahādaśā. Note that Mercury is
not only in its exaltation sign but is also vargottama.

In the birth chart Cuban-born American singer, songwriter, actress and

entrepreneur, Gloria Estefan, all the natural benefics collect in the 11th house,
including the 11th lord Mercury in its exaltation sign. She is in the top 100
bestselling music artists with an estimated 100 million records sold
worldwide, 31.5 million of those in the United States alone. She has won
seven Grammy Awards and is the most successful crossover performer in
Latin music to date. Her net worth in 2020 is $500 million.
Note that in her case because the Moon is in the ascendant, the patterning
from the birth lagna and Candra lagna are the same.

Now see examples of Mercury giving wealth when placed in its own sign,
Gemini, as the lord in trine houses or 2 and 11 in those houses.
Simone Beck is likely not a name most would recognize unless they were
into gourmet cooking. She was a famous French chef, author and teacher.
She collaborated with Julia Child on “Mastering the Art of French Cooking”
as well as writing two cookbooks of her own and another with Suzy
Patterson, “A Memoir with Recipes,” published August 1991. She was born
into a wealthy French family and has enjoyed a great degree of affluence
throughout her life.

Four grahas collect in her 2nd house of wealth (and food!), including
Mercury as the 2nd and 5th lord in the 2nd house.

The real magnitude of Donald Trump’s financial fortune is an unknown

because he had gone to great lengths to keep this a closely guarded secret.
What is known is that he has suffered major losses in ventures for which he
has declared bankruptcy. But there is no doubt that he has lived a very
lavish, excessively wealthy life-style his entire life.

His Mercury as the 2nd and 11th lord in its own 11th house has been a
contributing factor.
Having been born into the royal family of Greece, Constantine II enjoyed
great affluence growing up in his Venus major period from age two to
twenty-two. Venus is the lagna lord with the 9th lord Mercury in the 9th
house.

But he lost the throne and his position entirely after a coup and was forced to
leave the country in exile in the Sun period, a planet in the 8th house. Later,
the new government abolished the monarchy.
Actress Phylicia Rashad made a considerable fortune when she starred in
The Cosby Show, one of the most successful and long running programs in
the history of American television. This happened in her Venus major
period, with this benefic conjunct Mercury, the 5th lord in the 5th house, and
aspected by Jupiter, the 2nd and 11th lord in the 11th house.

Conclusion
From the many examples in this chapter it should be clear to the reader that
natural benefics in their exaltation, mūlatrikoṇa, or own sign as the lords of
trine houses or 2 and 11 placed in their own houses show the potential for
great wealth. If the person runs the major period of such planets at a good
time of life, then this potential becomes actual.

This is not to say that natural malefics in such conditions cannot also give
great wealth under similar conditions. As will be seen in future chapters,
they can. But as a starting point for assessing wealth potentials in a birth
chart, I recommend focusing in on the condition, lordship and placement of
the natural benefics, Jupiter, Venus and Mercury.

The Moon under the right conditions also qualifies as a natural benefic and
can give great wealth which is the subject matter of the next chapter.
In many respects Pārāśari Jyotiṣa can be said to be a lunar based system of
astrology. It is the only astrology that employs the 27 nakṣatras or “lunar
mansions,” which are based on the average daily motion of the Moon. The
main predictive tool of this system of astrology is daśās, or planetary
periods, and these are based on the position of the Moon at birth. Yogas
involving the Moon are among the most significant.

In any birth chart the Moon is a very key component. It is the significator of
the manas, or the mind/emotions, and is therefore an important factor in
assessing a person’s psychological make-up and tendencies. It represents
mother and the enormous influence mothers have on the development of a
child. The Sanskrit classics of Jyotiṣa explicitly state that the whole
patterning of the chart, including yogas, must be seen not just from the birth
lagna but also from the position of the Moon, or what is known as Candra
lagna. Needless to say then, a good Moon greatly increases the quality of
any horoscope. The Moon does not pertain to wealth per se in terms of its
natural significations, but like the benefics discussed in the first chapter, it
can be very wealth-giving under the right conditions. Plus, there are lunar
yogas that are specifically for wealth.

Like Mercury, the Moon is classified in Jyotiṣa as a natural benefic only

under certain conditions as follows:

• The Moon is most benefic when it is completely full (pūrṇimā), or at

least very bright and waxing towards fullness, while devoid of the
influence of natural malefics. This will be especially true when the
Moon is in its own or exaltation sign and with the additional
influence of natural benefics.

• The Moon is most malefic when it is a new moon (amāvāsyā) or very

dark and waning. This will be especially true when it is in a poor
dignity, such as debilitation, and under the influence of natural
malefics and without the influence of natural benefics.
In the birth chart of the famous English poet, Lord Byron, the Moon is very
well placed in its own sign Cancer. As it is directly opposite the Sun in
Capricorn and very close in degrees, this means he was born just a few hours
before pūrṇimā, or full Moon. There is no additional influence of natural
benefics but no malefic influence as well. In his case the Moon is also the 2nd
lord in the 2nd house of wealth, which greatly contributed to the affluent life
style he enjoyed throughout most of his life, initially from an inheritance and
later from the enormous popularity of his literary works.

In contrast, see the following chart. Here the Moon is very dark and waning,
just a few days from amāvāsyā. It is ill-placed in the 12th house and its only
association is with the natural malefic, Saturn. To add to its woes it is in the
worst gaṇḍānta, meaning that at zero degrees of Sagittarius, it is right on the
borderline between two signs and two nakṣatras. This is decidedly not a
benefic Moon.
Just like the benefics discussed in the first chapter, when the Moon is in an
exceptional dignity as the lord of the trine houses or 2 and 11 and placed in
those houses as the lord, it becomes a wealth-giver.

In the birth chart of actress Katie Holmes, the Moon is in its own sign,
Cancer. It is starting to wane but is still quite bright since she was born just a
couple of days after pūrṇimā. It is the 1st lord in 1st house which is also a
trine house, and it is with an exalted 9th lord Jupiter. She made millions from
her successful career in television and movies but likely gained even more
from her divorce settlement with former husband, Tom Cruise. Now in her
Moon period, her current net worth is $25 million.

Dutch-American film-maker, Jan de Bont, became a multimillionaire when

he directed and produced a number of major box office successes such as
Speed and Twister in his Moon period during the 1990s.

His Moon is also in Cancer, waning but still more than half full, as the 9th
lord in the 9th house with an exalted 2nd and 5th lord Jupiter.

Geraldo Rivera’s stellar career as TV broadcast journalist made him a very

rich man. During his recent Moon period his net worth has been in the range
of $25 million.
His is a waxing but dark Moon, but being in its own sign as the 5th lord in
the 5th house with an extremely exalted Jupiter, it is still very wealth-giving.

Television star Ted Danson has amassed a fortune worth $80 million, a good
portion of which was acquired in his Moon major period. His is just past
fullness as the 11th lord in the 11th house in its own sign, Cancer. Its
conjunction with the 5th lord Saturn and mutual aspect with the 9th lord
Venus form spectacular, wealth-giving planetary combinations.

The Moon in its exaltation sign, Taurus, can also give great wealth under the
right conditions, such as when it is the 11th lord of gains in the 9th house of
fortune.

In times past if you were born into a royal family and became the king, it
usually meant that you were very wealthy your whole life. This was true for
King Alexander of Yugoslavia.

His chart features a waxing and nearly full Moon in its exaltation sign as the
11th lord in the 9th house receiving the aspect of the two natural benefics,
Jupiter and Mercury.

As of April 2020, Tina Turner has an estimated net worth of more than $270
million. She has obtained this massive wealth as a successful singer and
performer. She is the first female artist to have more than forty hits in six
consecutive decades. In her career, she has sold more than 200 million
records.
Her chart features a completely full and vargottama lagna lord Moon in its
exaltation sign in the 11th house while ruling the 1st trine house.

French film star Brigitte Bardot was the highest paid actress in France in the
mid-1950s but also gained wealth through her marriages to millionaires. Her
waning but still bright Moon is an exalted 9th lord of fortune in the 7th house
of spousal relationships.

The Moon is a very associative graha. You might say it loves company. As
such, it is more likely to give great wealth when associated with other
wealth-givers. Re-examine the illustrations detailed above and you will see
how often this was the case in these birth charts where the Moon brought
fabulous riches.

There are, however, a number of specific lunar yogas that when present in
birth charts greatly contribute to its wealth-giving potentials, ones that don’t
necessarily require that the Moon be in its own or exaltation sign.

Śubha Sunaphā Yoga

This yoga is formed when natural benefics are in the 2nd house from the
Moon. If these benefics are in a good dignity it can be a very wealth-giving
combination, especially when the person runs the periods of such benefics.

In the birth chart of iconic Hollywood movie star, Audrey Hepburn, the 2nd
house from both the birth lagna and the Moon has Venus near its extreme
degree of exaltation, vargottama, and without any other influences, forming
a pure Śubha Sunaphā Yoga. It is also the 9th lord in the 2nd house.

When an actress performs in a movie that it hugely successful and they are
nominated for an Academy Award, their asking price per picture skyrockets.
Such was the case for Hepburn when she appeared in the role for which she
is most known, Holly Golightly in Truman Capote’s Breakfast at Tiffany’s. It
was her Saturn-Venus period.

Rock Hudson was a major Hollywood movie star and leading man in the
1950s and 60s during his Venus major period, which made him very wealthy.

Venus is a natural benefic in the 2nd house from his Moon and it is with a
vargottama Jupiter in its mūlatrikoṇa sign, Sagittarius, giving an excellent
Śubha Sunaphā Yoga.

A strong 3rd house/3rd lord greatly contributed to Agatha Christie’s gifts and
success as an author. The fact that her mūlatrikoṇa Venus is additionally
involved in a Śubha Sunaphā Yoga, being a well-placed natural benefic in
the 2nd from the Moon, also reflects the substantial wealth she acquired
through her authorship. Her first literary success came in the Rāhu-Venus
period with an exalted Rāhu in the 10th house giving the results of Venus.
The chart of cowboy recording star, Gene Autry, was shown previously to
illustrate the wealth-giving potentials of Mercury when in its exaltation sign
as the 2nd lord in the 2nd house from the birth lagna. But his initial wealth
came in the Jupiter major period, in its exaltation sign in the 2nd house from
the Moon.
This same Śubha Sunaphā Yoga can be found the chart of famous French
cyclist, Bernard Hinault, who became wealthy after winning the Tour de
France a record five times. In his case, Jupiter is very close to its deepest
point of exaltation, 5 degrees of Cancer. Notice that from the birth lagna it is
the 3rd lord of sports and the 6th lord of competition in the 10th house of
career.

When Jupiter and Venus are together in Pisces in the 2nd house from the
Moon in Aquarius, they form one of the best possible Śubha Sunaphā Yoga
since Jupiter will be in its own sign and Venus will be exalted.

Such a combination can be found in the birth chart of another Frenchmen,

Arnaud Tsamere. His career as a comedian, actor, and radio-TV presenter
has made him rich. See also that these two well-dignified benefics fall in the
11th house from the birth lagna. His initial success came in his Jupiter major
period.
Bob Dylan’s iconic music career has made him extremely wealthy. His
current net worth is $200 million, with a good portion of that coming in his
Jupiter mahādaśā. Jupiter is in the 2nd house with Venus as 2nd lord in its
own sign, Taurus, from Candra lagna, forming an excellent Śubha Sunaphā
Yoga.
I was once able to make a successful prediction on the basis of Śubha
Sunaphā Yoga to an Indian man living and working in Dubai as an architect.

He was running his Jupiter major period and had concerns about it on the
basis of it falling in the 8th house from the birth lagna. As the 2nd lord and
5th lord in the 8th house of inheritances aspecting back onto its own 2nd
house, I saw that it would be good for this, which proved true. However,
since it falls in the 2nd house from a strong Candra lagna as the 11th lord
from there, forming Śubha Sunaphā Yoga, I predicted it would be excellent
for his financial fortunes in general during this period. Jupiter is in no special
dignity but has another source of strength since it is vargotttama. The
prediction proved correct.

Candra-Maṅgala Yoga
Candra-Maṅgala Yoga, which simply means Moon-Mars combination, is
formed primarily when these two grahas are conjunct, but their mutual
aspect or exchange of signs can give similar effects. It is also known in the
tradition as potentially wealth-giving, and one Sanskrit text gives the
following description:
“One deals with drinks, earthen jars, crude instruments and women. He is
disobedient with his mother. Goddess Lakṣmī will never desert him just as
modesty does not leave a noble woman of any good family.”

Lakṣmī is the Vedic goddess of wealth. Why the Moon combining with Mars
would bring her blessing is frankly not clear to me. Since the Moon is the
kāraka of mother and Mars is the planet of conflict, the statement “is
disobedient with mother” does have an astrological logic.

Nonetheless, under the right conditions this yoga does appear to give great
wealth. These conditions exist in the birth chart of talk show host, Oprah
Winfrey.

For her Scorpio lagna, the Moon and Mars form a combination of two trine
lords in a trine house, with the Moon’s debility getting cancelled by being
with its sign lord. The mutual aspect of these planets with Jupiter, the lord of
the 2nd and the 5th house, adds considerably to the wealth-giving potentials
of the combination. She has been running her Moon major period since 2012
and her fortune is currently estimated at $2.9 billion.

Recording artist Céline Dion, another fabulously wealthy entertainer, has a

Candra-Maṅgala Yoga in Aries in her 10th house.
It is again an instance where these two grahas form a wealth-giving
combination in other ways, since the Moon is the 1st lord and Mars the 5th
lord. Both have good sources of strength since Mars is in its mūlatrikoṇa
sign and the Moon is in its exaltation sign in her navāṃśa.
Her greatest level of both fame and fortune came about in the consecutive
mahādaśās of the Moon and Mars beginning in 1997. Her fortune is
estimated at $380 million.

Giani Zail Singh, a President of India under both Indira and Rajiv Gandhi,
also had a conjunction of the Moon and Mars for his Cancer lagna, in his
case occurring in the 1st house forming both Mahārāja Yoga and a 1-5
wealth-giving combination. This time it is the Moon cancelling the debility
of Mars. These yogas get enhanced by the additional influence by aspect of a
strong, benefic 9th lord Jupiter. It was in his Mars major period that he held
this high position and although his level of wealth is unknown to me, I
assume he was quite prosperous.
As one of the most successful evangelists of all time, Billy Graham amassed
a fortune of $25 million from his preaching and other religious activities. He
has the Moon and Mars together in his 10th house where Mars gets
directional strength and the Moon, at 6-4 of Sagittarius, goes to its exaltation
sign in the navāṃśa. The mutual glance of these two grahas with the 1st and
10th lord Jupiter also form spectacular rāja and dhana yogas, the latter
involving all three Lakṣmī-sthāna lords.
In all the examples shown thus far, either the Moon or Mars have been
strong in their own sign or have other sources of strength, and in two of
these illustrations one of them has been in its debilitation sign, though
getting nīcabhaṅga. They are also forming wealth-giving combinations in
other ways.

The question arises then as to whether any conjunction of these two planets
falling in any house, in any condition and not forming dhana yogas in other
ways can be wealth-giving. Quite frankly, this does appear to be so in my
experience. From what I have observed, this yoga contributes to the wealth-
giving potentials of a birth chart when supported by other factors. However,
I have found good evidence that this combination can give similar results
when these planets are either exchanging or in mutual aspect. See the chart
of Stephen King.
Besides forming Mahārāja Yoga, the exchange in his chart of the Moon and
Mars is an exchange between two trine lords, with the additional influence of
the 9th lord Jupiter. Shortly after moving into his Moon period he was given
a $100 million publishing contract, and his net worth, after running the
consecutive mahādaśās of the Moon and Mars, is now estimated at $400
million.
Along with her daughter Wynonna, Naomi Judd shot to fame and great
fortune as a country western singing duo starting in her Mars period, with
Mars exchanging with the Moon and forming both rāja and dhana yoga.

The birth chart of Bill Gates is an example of a Candra-Maṅgala Yoga

formed by a mutual glance between Mars and the Moon.
Of course, in his case, the Moon and Mars are a 2-11 combination along
with an exalted 1st lord Mercury. Now in his Mars mahādaśā, he is among
the richest men in the world.

One of the best wealth-giving Candra-Maṅgala Yogas by mutual aspect is

formed when for a Pisces lagna the Moon is in Cancer and Mars in
Capricorn.
In which case the Moon is the 5th lord in the 5th house and Mars is an exalted
2nd lord in the 11th house.

The chart of famed novelist and Nobel Prize winner, Pearl Buck, has this
combination. She was quite wealthy and lived a luxurious life-style in her
20-year Venus major period, an impressionable 8th lord connected with her
Candra-Maṅgala Yoga. The 5th house is one of the primary houses of
authorship and she won the Nobel Prize for Literature in her Venus-Moon
period.

I was once able to make a successful prediction based on a similar

combination in the horoscope of a woman friend of mine.
However, her chart illustrates the importance of the right daśā at the right
time of life. She has actually struggled financially for the most part during
the major periods of Mercury, Ketu, and Venus. She won’t get the mahādaśā
of the Moon and Mars until very late in life.

In her case it is interesting to note that she has always earned her living as an
Ayurvedic chef and food caterer, and now she and her husband are in the
restaurant business. On the basis of the Candra-Maṅgala Yoga in her chart, I
had told her that Venus-Moon, followed by Venus-Mars would bring a
sizable increase in her income and prosperity-level and it proved correct.

An intriguing Candra-Maṅgala Yoga exists in the chart of Hollywood movie

star, George Clooney. I say “intriguing” because neither the Moon nor Mars
in his chart either rule or are placed in wealth-giving houses. The debility of
Mars does have some cancellation being in a mutual aspect with another
planet in its debilitation sign, Jupiter in Capricorn.
In 2013 Clooney and two friends started a company that made and marketed
a brand of tequila. In June of 2017 it was reported in the New York Times that
the company had sold itself to the liquor giant, Diageo, for a $1 billion. The
partners received $700 million cash and will receive another $300 million
more if the brand hits sales targets over the next decade.

These riches from a beverage have come in his Saturn-Saturn period, with
this graha connected to his Candra-Maṅgala Yoga.

Vasumati Yoga

Vasumati, which literally means “rich”, is another yoga involving the Moon
that under the right conditions can be very wealth-giving. Here are
definitions and descriptions found in the Sanskrit classics, Phaladīpikā and
Bṛhat Jātaka:

“When all the auspicious planets are posited in upacaya houses, whether
reckoned from the Ascendant or the Moon, the resulting Yoga is called
Vasumat. If in any nativity the Vasumat yoga is formed then the native
concerned will confine himself to his house and be wealthy.”

Phaladīpikā, Chapter 6, verses 19-20. Translation by S.S Sareen

“In case the entire lot of the natural benefic planets is located in the upacaya
houses from the ascendant and the Moon the man is extremely rich. If two of
the benefics are so located he is highly rich. If only one is in these houses he
is only moderately rich. This yoga has over-riding powers in as much as it
makes a man rich even if he is born in Kemadruma Yoga.”

Bṛhat Jātaka, Chapter 13, verse 9. Translation by P.S. Shastri

The Moon, waxing and waning as it does on a monthly basis, rules all
growth, and the upacaya houses, 3, 6, 10 and 11 are those of growth and
expansion. Since the natural benefics are indicators of material prosperity
and the good things in life in general, the logic behind this yoga appears to
be that to have these placed in “growth houses” means that your wealth
grows. In this way it is a type of dhana yoga, though quite different from the
normal connections between the Lakṣmī-sthāna houses, 1, 5, 9 and their
lords along with houses 2-11 and their lords that can also give wealth. The
11th house of gains is the only common factor.

Of course, one of the most basic interpretive principles in Jyotiṣa is that

natural benefics occupying a house increase its favorable indications, in
which case it is interesting to consider which houses are benefitting in
Vasumati Yoga. The 3rd house is the house of initiative, and in the
commentarial literature on this yoga it is often mentioned that it gives wealth
through one’s own efforts. The 6th house is the house of enemies and
diseases, such that a favorable influence here can mean freedom from
disease and triumph over enemies and competitors. The 10th house relates to
career and the 11th to gains of all kinds. The favorableness of all these
houses would therefore be conducive for self-made wealth. The 6th and 10th
are also part of the artha trikoṇa of houses, relating to the material aspect of
life and to the acquisition of wealth.

Note that this yoga is counted from both the birth lagna and the position of
the Moon. When counted from the lagna, the Moon can also be included
among the benefics falling in upacaya houses if it is very bright. The best
Vasumati Yogas occur when all the natural benefics fall in each or most of
the upacaya houses and have sources of strength. Varahamihira in his Bṛhat
Jātaka suggests that two or even one of the natural benefics falling in these
houses still produces this yoga, but will then give less and less wealth.

I have also come across the notion that Vasumati is not so much a yoga that
alone gives great wealth but indicates how rapidly one’s riches grow if there
are other wealth-giving combinations present in the birth chart. Having all
the benefics in upacaya houses would then indicate very rapid growth of
wealth, while only one would mean it would grow much more slowly over
time. I cannot endorse this interpretation 100%, but have found it worth
investigating.

If natural benefics forming Vasumati Yoga also give wealth-giving

combinations from both the birth lagna and the Moon, then you have a real
dynamo of a configuration reflecting the karma for truly stupendous wealth.
See the chart of French entrepreneur Bernard Arnault, whose net worth is
said to be $38 billion, making him one of the richest men in the world.

There is a full Vasumati Yoga from the Moon, since Venus goes to the 11th
and Mercury and Jupiter are in the 10th from Candra lagna. From the birth
lagna there is a partial one, since Jupiter and Mercury are together in the 6th.
Then consider the conventional wealth-giving combinations that these
planets form.
 • From the birth lagna Mercury and Jupiter are a combination of the
2nd and 11th lords with the 5th lord.

• From Candra lagna, Venus is the 2nd lord in the 11th house with the
1st lord Mars, 5th lord Sun and aspected by the 11th lord Saturn. See
that the 5th and 11th lords exchange from this perspective.

It is really an amazing picture for wealth which has grown steadily

beginning with the Mars period and now into the current Saturn period.

We have all heard the expression “born with a silver spoon in their mouth,”
a euphemism for birth in a prominent, wealthy family. Such was the case
with Sanjay Gandhi whose grandfather, Jawaharlal Nehru, was Prime
Minister of India when he was born and his mother Indira became Prime
Minister as well. Four months after his birth he moved into his Venus
mahādaśā, the yogakāraka for his Capricorn lagna, so well placed in the
10th house in its own sign, giving also Mālavya Yoga. However, see that
from the birth lagna it is among the three benefics all falling in upacaya
houses, in this case the 10th and 11th. The Venus-Jupiter combination in
Libra also falls in the 3rd house from the Moon. Therefore, there is a full
Vasumati Yoga from the birth lagna and a partial one from the Moon.
From what little I know of his life, his wealth was not self-earned but he
certainly lived a very affluent, lavish life style which included flying his own
airplanes, something that, unfortunately, became the death of him.

Alfred Von Krupp was another man born into a very prominent, wealthy
family, in his case that of German industrialists known for the manufacture
of weaponry and armaments. In his Jupiter-Mercury period he succeeded his
father as the head of the family business and became Germany’s Minister for
Armament and War Production.

His extremely exalted Jupiter along with the four other grahas in Cancer
form many powerful yogas, Vasumati among them, since these include all
the benefics in the 10th house. However, see that they all fall in the 11th
house from the Moon as well. His chart is one of the rarer instances where
there is a full Vasumati Yoga from both the birth lagna and the Moon.

Of course if the Moon is in the lagna and all the natural benefics fall in
different upacaya houses it will again be a rather rare specimen of this yoga,
one that can be seen in the chart of legendary country western recording
artist, guitarist and entrepreneur, Charley Pride. No one but Elvis Presley
sold more records for RCA, and his music career made him a very wealthy
man.
Jupiter, Venus and Mercury are in the 6th, 10th, and 11th houses, respectively,
giving Vasumati Yoga from both the Moon and the birth lagna since they are
the same.

His chart is like others in that some of the planets forming this yoga are
those which also are connected to other types of wealth-giving factors.
Jupiter is a vargottama 9th lord in a mutual glance with the 1st lord Mars and
5th lord Sun, which means all three Lakṣmī-sthāna lords are combined. The
2nd lord Venus is strongly placed in the 10th house aspected by Jupiter, and
Mercury is in the 11th house with the 11th lord. Mercury is also vargottama.
Soon after entering the music business in the mid-1960s after a career in
professional baseball, his wealth grew rather rapidly, especially when his
career peaked in the early 1970s. With two of three components of his
Vasumati Yoga being vargottama and the other in the sign of a Great Friend,
his becomes a rather superior one.

Paul Newman made millions starring in movies, but made many more
millions from Newman’s Own, a food products company that he founded in
1982. The remarkable thing about this is that he set the corporation up so
that 100% of after-tax profits would go to various charitable causes. All
three benefics falling in the 11th house from the Moon form many stunning
conventional dhana yogas, but also Vasumati Yoga.
Among these benefics Jupiter is in its own sign, Mercury gets directional
strength in the 1st house and Venus is svakṣetra in the D-9.

Musician Carlos Santana came to fame as a performer and got rich starting
in his Venus-Mercury period, two planets that are a part of a full Vasumati
Yoga from the Moon, and a partial Vasumati Yoga from the birth lagna. From
Candra lagna, Mercury is also the 2nd and 11th lord svakṣetra in the 11th
house and aspected by Jupiter. His net worth is estimated at $40 million.

The question was raised earlier as to whether Vasumati Yoga alone can give
great riches or whether it indicates more how rapidly wealth grows if this
potential exists within a birth chart in other ways. In all the charts of the very
wealthy people shown above there were other wealth-giving combinations
present along with Vasumati Yoga, and in many instances involving the
natural benefics forming this yoga. Therefore, just on the basis of these
charts this issue cannot be assessed. Nor is it easy in my experience to find
charts of very wealthy people where this is not the case, so it has remained
an open question for me.

It is rather easy, however, to find many charts of individuals with Vasumati

Yoga who have nowhere near the wealth of these people. See the following
chart of a friend of mine now in his early 40s. He comes from a good
educational background, has had a successful career in information
technology holding leadership positions and undoubtedly has earned well.
Without knowing the details, I suspect he has enjoyed an upper middle class
life style and would be considered generally affluent. Though we have never
discussed it, I don’t get the impression that making money or even worldly
success is a primary goal in life for him. Rather, he is very spiritually-
oriented and is very dedicated to the spiritual practices of Yoga.

From a very bright, full Moon in its own sign of Cancer, all the natural
benefics fall in the 6th house Sagittarius from there. Jupiter is in its own sign
and is vargottama, Mercury is also vargottama. Yet, all these benefics
forming this yoga are also in the 12th house from the birth lagna, are under
the influence of the Rāhu-Ketu axis, get hemmed by malefics, and therefore
this Vasumati Yoga is very blemished.

The lunar yogas presented thus far are ones that the Sanskrit classics of
Jyotiṣa specifically identify as being potentially wealth-giving. The lunar
yogas that follow are highly favorable ones that can bring good fortune in a
variety of ways but which can also greatly contribute to the wealth potentials
of a birth chart.

Candra Ādhi Yoga

Candra Ādhi Yoga is one of the most powerful and benefic yogas in all of
Jyotiṣa. I refer to it as the “Queen” among the lunar yogas. It is defined by
when the natural benefics, Jupiter, Venus and Mercury fall evenly in the 6th,
7th and 8th houses from the Moon. Ādhi means “First” and this planetary
combination can make a person very prominent and a leader among their
peers. It is a yoga for both great status and wealth, under the right
conditions.

See this description from the great classical text Bṛhat Jātaka by
Varahamihira:

“Persons born in this yoga are of high status such as the Commander in
Chief of the Army, the minister of a country’s cabinet or even the head of
state. Such people are very rich, lead a comfortable life and wield power,
they overcome their enemies, and are devoid of disease and fear. They live a
long life.”

Pārāśari Jyotiṣa with its nakṣatras and nakṣatra-based daśās like

Vimśottarī, is very much a lunar-based form of astrology and the Moon is
one of the most important, if not the most important factor in a birth chart.
The Moon is at its best when near complete fullness and when supported by
the influence of natural benefics, all of which happens when Candra Ādhi
Yoga is formed.

Consider that since Mercury and Venus never get very far from the Sun and
must be falling in the 6th, 7th or 8th from the Moon for this yoga to be present
in a chart, then by definition the Moon must be near opposite the Sun and
therefore very bright. Since a natural benefic must also be in the 7th from the
Moon it will receive its aspect, while the houses on either side of the Moon
will also get the benefit of the aspect of a natural benefic. If these natural
benefics additionally have sources of strength then the yoga becomes quite
superior and produces very dramatic results.

One of the best examples of such a superior Candra Ādhi yoga can be found
in the chart of former U.S. Five-Star General, Douglas MacArthur.
First note that the Moon is very strong in its own sign Cancer and is waxing
within just 8 degrees of perfect fullness. Venus, Mercury and Jupiter fall in
the 6th, 7th and 8th houses, respectively. Mercury is vargottama and Jupiter,
besides being in Aquarius where it gives very good results, is involved in an
exchange both in the birth chart and in his navāṃśa.
Apropos the name of this yoga, Douglas MacArthur was “First” in many
ways during his lifetime.

• He was the first person to become a Major General in the history of

the U.S. Army by the age of 44.
• He was the U.S. Army’s first Public Relations Officer.
• He was the U.S Army’s first Chief of Staff.
• He was the first son of a Medal of Honor winner to also win this
highest of military awards.
• He is among the most decorated officers in U.S. military history
winning over 100 awards, many from foreign countries.

Aside from these many “firsts,” he quite literally was a Commander-in-

Chief, as the description of this yoga given in the ancient texts suggests. He
commanded all Allied Forces in the Pacific theater of World War II fighting
the Japanese. MacArthur was also the de facto ruler of Japan during the U.S.
occupation after the war, in other words a “head of state.” According to
those who served under him, he behaved like an imperious emperor and the
staff around him was more like a court.

It is rather interesting to see the timing of all this in the Vimśottarī daśā. His
rise to prominence began during World War I for his service in France
during which he was promoted to the rank of Brigadier General and won
many decorations including the French Legion of Honor. This was during his
Ketu mahādaśā which gives the results of Mercury, its sign lord, and Jupiter
who aspects it, both of whom are a part of the Candra Ādhi yoga. Next came
the period of Venus and he kept rising up, and Venus-Jupiter is when he
became the Army’s first Chief of Staff.

He actually retired from military service towards the end of this period but
was recalled to active duty in 1941 to take command of U.S. forces in the
Philippines after Japan attacked Pearl Harbor. His troops were driven out,
but he famously declared “I shall return,” and he did several years later,
victorious. As the senior officer in the Pacific he was the representative of
the U.S. who accepted Japan’s surrender in 1945. This distinguished service
during World War II, for which he won the Congressional Medal of Honor,
all coincided with his Sun mahādaśā which brings into consideration another
distinctive feature of his birth chart.
It not only contains the best lunar yoga, but also the best solar yoga since
there are natural benefics in the 2nd and 12th from the Sun forming a superior
Śubha Ubhayacari Yoga as well. As we will see in other illustrations, this
sometimes happens, in which case the Sun, Moon and the natural benefics
that form these yogas all become even more powerful. This yoga, under the
right conditions, is said in the ancient texts to also make a person a
sovereign, and in his case it virtually did in August of 1945. It was his Sun-
Venus period when he was ordered to exercise authority over the Japanese
government, including the Emperor. In effect this made him ruler of Japan,
and this continued into his Moon mahādaśā with the Moon being the lord of
the 5th house of rājya, or the authority to rule.

The combination of his superior Candra Ādhi Yoga with Śubha Ubhayacari
Yoga and the activation of the constituent planets in the daśā sequence at the
right time of life over a period of nearly 40 years produced a very major
player in world events and a rare individual destiny. Information about his
personal wealth is not available but what is known is that he certainly lived
like a king.

Another man with a superior Candra Ādhi Yoga who has been a major force
in the world and has had a unique destiny of commanding an army of
software engineers is Microsoft founder, Bill Gates.
His Moon is not in its own sign or just a few degrees away from perfect
fullness, but is still quite powerful, placed as it is in the strongest angle and
waxing bright, just a couple of days from complete fullness. Again, we see
the benefics with sources of strength, this time as a result of good dignities,
with Venus in its mūlatrikoṇa sign, Mercury in its exaltation sign and Jupiter
in the sign of a Great Friend. His Candra Ādhi Yoga is not without blemishes
however, since Saturn and Mars join the party. However, in his case these
natural malefics rule the wealth-giving 9th and 11th house and help form his
spectacular dhana yogas.

His very bright and waxing Moon is the 2nd lord in a mutual glance with an
exalted trine lord and the 11th lord of gains. In recent history he has been
running the consecutive daśās of the Moon followed by the current Mars
period. As of May 2020, he is the second richest man in world behind Jeff
Bezos of Amazon.com, with a net worth of an astonishing $108 billion.

Actress Farah Fawcett became quite the celebrity in the 1970s for her role in
the popular TV show Charlie’s Angels, primarily as a result of her looks.
Later she went on to more serious accolades as a dramatic artist for her
performances on stage and in movies. Her birth chart also has Candra Ādhi
Yoga.
Two things are particularly notable about this yoga. Since the birth lagna
and Candra lagna are the same, the placement of the natural benefics in the
6th, 7th and 8th houses also give Lagna Ādhi Yoga. Secondly, note the
remarkable underlying strength of these benefics in her navāṃśa.

Jupiter and Mercury go into their exaltation signs and Venus is svakṣetra.
Hers is also not without blemishes since Saturn, Mars and the Sun all afflict
her lagna lord Mercury in the 8th house, and the 10th lord Jupiter has the
influence of the Rāhu-Ketu axis. Over-all, her birth chart is not on par with
the two previous examples, but for a period of time in her Saturn-Mercury
period, which together give rāja yoga, and with both planets connected to
her powerful lunar yoga, she was first among TV actresses in terms of
celebrity and media attention. Her career as an actress made her a fortune
worth $20 million.

Candra Ādhi Yoga has contributed to Adele’s songs being first on Billboard’s
list of top 100 hits many times, and sales of over 100 million records make
her one of the most successful recording artists in the history of the pop
music industry.
However, in her chart we see that the Moon itself is not as favorable. It is
strongly placed in the 10th house, like Bill Gates’, but is in its debilitation
sign, and unlike in the previous three charts, hers is waning. It is also in a
gaṇḍānta condition.

The benefics involved though are in quite good condition. Jupiter is in the
sign of a Great Friend and Venus and Mercury exchange signs/houses,
additionally forming a very good rāja yoga with Venus as her yogakāraka
planet. It was in the latter planet’s major period that she first achieved her
enormous success. It started in Venus-Jupiter, but then really skyrocketed in
Venus-Saturn since the mutual glance of these two planets forms a very
superior rāja yoga for her Aquarius lagna, a combination of the 1st, 4th and
9th lords along the wealth-giving 5-11 axis. This continued in Venus-
Mercury, with Mercury also involved in a superior Śubha Veśi Yoga that is
without a blemish.

Add to this picture good conditions in the D-9 where Venus goes into its
mūlatrikoṇa sign and Mercury and Jupiter exchange, and you see why her
Candra Ādhi Yoga is the real deal despite the Moon having its drawbacks.
She is currently only 31 years old and has a net worth of $190 million.
Kim Kardashian’s Candra Ādhi Yoga is also the real deal, which is the only
explanation I can comprehend for this woman’s incredible success and
celebrity.

Hers does have a unique feature not seen in the others shown thus far, as it
includes Kesarī Yoga, since Jupiter falls in an angle from the Moon and they
are in mutual aspect. Note also that this is a combination of the two best trine
lords, 5 and 9. Some of the benefics have sources of strength. Venus is
involved in an exchange from which Mercury also benefits, though the
latter’s dignity is good as well, being that of a Great Friend. Jupiter’s
strength is unremarkable in the birth chart but it goes into Aquarius in the D-
9.

All her great fame and resulting wealth have come in her Mercury major
period, with the sub-period of Jupiter bringing a peak. During this time, it
must be acknowledged that she was “first” as far as obsessive media
attention goes. She has amassed a fortune worth $350 million and her
husband, Kanye West, is a billionaire.

Now see another chart in which Kesarī Yoga is a part of the more significant
Candra Ādhi Yoga. This one at least belongs to a man who became first
among his peers for something more than a curvaceous figure and a genius
for marketing/promoting oneself.
Jose Capablanca was a world chess champion throughout most of the 1920s
and his Candra Ādhi Yoga is especially notable in that it combines all the
special features of others shown earlier.

• His Moon is well dignified in its exaltation sign and almost perfectly
full.
• The benefics forming the lunar yogas also form Śubha Ubhayacari
Yoga.
• Jupiter also forms Kesarī Yoga with the Moon and has the best
strength among the benefics since it is involved in an exchange in
both the birth chart and the navāṃśa.
Throughout most of the 1920s, in his Jupiter mahādaśā, he was nearly
unbeatable and cut a very colorful, “larger than life,” figure in the otherwise
staid world of international chess competition. He was also known for his
lavish life-style.

Though each had its blemishes all five of the Candra Ādhi Yogas discussed
are “pure types” in that there is a benefic in each of houses 6, 7 and 8 from
the Moon. They are also “superior” because the natural benefics involved
nearly always had sources of strength. They greatly contributed to the wealth
potentials of these birth chart.

Gaurī Yoga
Gaurī is another name for Parvatī, the female consort of Śiva who
represents the dissolving aspect of the Divine. Like all the female consorts of
the Hindu Trinity, she is his śakti or power of expression in the world. As
such, Gaurī represents an aspect of Divine Feminine or Divine Mother. It
stands to reason then that a planetary yoga bearing her name involves a well-
placed and highly benefic Moon. The simplest definition comes from
Phaladīpikā:

“When the Moon is in its own or exaltation sign and falls in an angle or
trine and is aspected by Jupiter, the yoga formed is called Gaurī.
Persons born in Gaurī Yoga in their birth chart have an appealing
personality, born of an illustrious family, and a friend of the sovereign. Their
sons possess noble character. Their looks are like those of a lotus flower;
success always kissing their feet and praised by one and all.”

As to the effect of this yoga the general idea is that one receives the blessing
of Divine Mother in a variety of ways, including affluence.

Gaurī Yoga is among the many powerful combinations for status and wealth
in the chart of Victoria, the former Queen of England.

Here we find the two royal planets, the Sun and the Moon, together in the
lagna, with the latter in its exaltation sign and both getting the aspect of
Jupiter, the planet of dignity. Jupiter gets its debilitation effectively cancelled
and acquires strength by its exchange of signs with Saturn. Together the
Moon and Jupiter form a good Gaurī Yoga. She was crowned Queen in her
Rāhu-Jupiter period.

Oscar-winning actress Eva Saint-Marie, one of Alfred Hitchcock’s famous

blond heroines, has a a Gaurī Yoga in her birth chart.
The Moon is the 9th lord in its own sign, aspected by a strong 5th lord
Jupiter, since it gets directional strength in the rāśi and is in its own sign
Pisces in her navāṃśa. The yoga has the blemish of a natural malefic as well,
since Saturn aspects the Moon, and hers is not the brightest Candra, though
it is waxing. But it does involve the wealth-giving 5th and 9th lords. In
Venus-Jupiter she won an Academy Award as Best Supporting Actress
playing opposite Marlon Brando in On the Waterfront, which greatly
improved her financial fortunes.

Earlier the chart of novelist Pearl Buck was shown as an example of

Candra-Maṅgala Yoga. See it now as a further illustration of Gaurī Yoga.
In her case both the Moon and Jupiter are trine lords making this an
especially wealth-giving combination.

A similar sign placement of the Moon and Jupiter in the chart of famed
actor, George C. Scott, helped make him a very wealthy man in his Moon
major period. They are both again trine lords, with Jupiter ruling the 9th this
time and the Moon the 1st.
Conclusion
What readers should take from this chapter is that the lunar yogas detailed
here can be major contributing factors to the wealth potentials reflected in a
chart, but are more likely to be so if the planets involved have good sources
of strength and are lords of wealth-related houses and/or are placed in these.
Lastly, the planets involved in forming these lunar yogas should be activated
in the daśā sequence at a good time of life.
In the previous two chapters the houses and house lords identified as most
directly related to wealth potentials in a birth chart are the trine houses 1, 5,
9 and their lords, and houses 2, 11 and their lords. When these houses and
their lords become associated, they can form dhana yogas, wealth-giving
combinations.

Why these houses? Pārāśara Horā refers the 2nd house as dhana bhāva, or
“house of wealth.” The 11th house is referred to as lābha bhāva, or “house
of gains.” For an individual to obtain great wealth, both of these houses and
their lords should be very favorably disposed in a birth chart.

The three “trine” houses 1, 5, and 9 are referred to as Lakṣmī-sthānas, or

abodes of Lakṣmī, the vedic goddess of wealth. They have special reference
to the bhāgya or good fortune that can come about as a result of good past
life karma. For this reason, these two domains are also referred to as houses
of pūrva puṇya or “past life merit.” for great wealth to flow into a person’s
life, houses 5 and 9 and their lords also need to be very favorably disposed in
a birth chart.

The astrological seers of ancient India perceived that when these five houses
and their lords combine in some way, there is the potential for wealth. If the
planets involved are strong by virtue of being in their exaltation, own sign,
in an exchange of signs, or strong in other ways, it shows the potential for
great wealth.

PAC
When we speak of houses and house lords combining, keep in mind the three
different ways this can happen:

P – stands for “placement by house”

If in a chart the 2nd lord of money and income is placed in the 11th house of
gains, then this would create the structure of a potentially wealth-giving
combination. If additionally, this planet is in a “happy condition”—exalted,
own sign, vargottama, etc.—then it would give a particularly good dhana
yoga.

Take for example, the chart of actor Paul Newman, whose 1st house is the
sign Sagittarius. His enduring film career and product endorsements made
him enormously wealthy.

His 2nd house is Capricorn, ruled by Saturn. His 11th house is Libra, ruled by
Venus. At the time of his birth, Saturn was in Libra, its exaltation sign, as the
2nd lord of money in the 11th house of gains. This is a 2-11 dhana yoga by
placement and a high-quality one since Saturn is in the “happiest” of
conditions. To make matters even better, Saturn’s sign lord, Venus, goes into
the 1st house as the 11th lord, giving another dhana yoga, this one being a 1-
11 combination by placement.

A – stands for “aspect”

If you look at Paul Newman’s chart again, you can see that Mars is
positioned in its own 5th house Aries. This planet is now also well situated in
his chart to give wealth because Mars and Saturn mutually aspect each other
along the wealth-giving, 5-11 axis, producing another type of dhana yoga, a
5-2 combination by aspect.

C – stands for “conjunction”

Note also that Newman’s 11th lord Venus in his 1st house is conjunct the 1st
lord, Jupiter, very well placed in its own mūlatrikoṇa sign, Sagittarius. This
gives a third type of dhana yoga based on the lords of two wealth-giving
houses conjoining. In this case, the combination is made even better by
falling in a wealth-giving house—the 1st.

As a further point of interest, you can see that Saturn also rules his 3rd house
of acting and the performing arts. At age twenty-one, Newman began his
nineteen-year Saturn period. As an exalted 3rd lord of acting, Saturn brought
him success and fame as an actor, but as an exalted 2nd lord in the 11th
house, it also brought him a huge paycheck.

A special variation of planets forming dhana yogas by “P” or placement

occurs when the lords of houses 1, 2, 5, 9 or 11 exchange houses. This
produces an extremely strong connection and results in a combination that
can give great wealth. The chart of billionaire media mogul, Ted Turner,
illustrates this form of dhana yoga.
In his chart, the 1st lord Mars and 11th lord Mercury are exchanging signs,
referred to in Jyotiṣa as a parivartana yoga. Besides combining these two
wealth-giving houses, this exchange makes these planets very strong and
capable of giving dramatic results. In his Mercury period Turner has been so
enormously wealthy that he’s been giving away millions to good causes,
while challenging others with such a fortune to do the same. This illustrates
the important point that yogas in a chart only show the potential for wealth.
The individual would have to run the right periods of the planets involved in
order for them to actually experience that wealth, as shown in these two
examples.

The Law of Karma

Keep in mind that according to the theory of karma anyone who becomes
wealthy has in some sense earned it through their efforts either in a past or
the present life—or both. Of course, that “earning” could come from
legitimate or illegitimate means. The law of karma suggests that if the
wealth is derived from the exploitation and suffering of others, then the
money gained would ultimately have a recoiling, negative impact on that
soul—if not in the present life, then in some future life.
The Birth Charts of Billionaires
One can hardly imagine a better chart with which to illustrate the concept of
dhana yogas than that of Microsoft billionaire, Bill Gates. At times in his
life he has been the richest man in the world.

Focus on his 1st house, which is Gemini, ruled by the planet Mercury. It can
be seen that his Mercury goes into the 4th house, Virgo, the sign where
Mercury gets exalted. In other words, it is in the very best possible
condition, capable therefore of giving its results very strongly. Mercury’s
conjunction with Mars, the 11th lord of his birth chart, forms the same 1-11
combination seen in the charts of Paul Newman and Ted Turner, only in a
different way.

Now see how frequently wealth-giving houses and their lords interact in his
chart, keeping in mind PAC, or position, aspect, and conjunction.

The 1st lord Mercury combining with the 11th lord Mars is dhana
yoga (1-11).

The 1st lord Mercury in mutual aspect with the 2nd lord Moon is
dhana yoga (1-2).
 The 11th lord Mars in mutual aspect with the 2nd lord Moon is dhana
yoga (2-11).

The position of the 9th lord Saturn in the 5th house is dhana yoga (9-
5).

The 9th lord Saturn combining with the 5th lord Venus in its own
sign/ house is dhana yoga (9-5).

Then note the condition of three out of five of these planets.

• Mercury is exalted.
• Saturn is exalted.
• Venus is in its own sign.

They also all fall in “good houses,” either the trine houses (1, 5, 9) or the
angle houses (1, 4, 7, 10).

Bill Gates first became the richest man in the world in his twenty-year Venus
major period. The conjunction of this graha with Saturn in his chart actually
forms a very special dhana yoga referred to in the ancient texts as Lakṣmī
Yoga, defined by when Venus is in its own or exaltation sign and falls in an
angle or trine house with the 9th lord, who must also be in its own or
exaltation sign. Only three ascendants are capable of giving such a
combination, Gemini being one of them.

Granted, I’m being rather dramatic here, but I wanted to highlight the
tremendous confluence of factors in this chart that makes it so incredibly
wealth-producing according to the interpretive principles of Jyotiṣa. And
these dhana yogas based on house and house lordship combinations are only
part of the picture. Earlier in the chapter on lunar yogas, we saw that the 2nd
lord Moon and all the natural benefics form the crown jewel of his birth
chart, a powerful Candra-Ādhi Yoga.

Ross Perot is another man who has made billions in the computer industry
and his chart also shows multiple, high-quality dhana yogas, though they are
not quite so spectacular as those of Bill Gates. Examine his chart and see if
you can identify the dhana yogas yourself before reading further, keeping in
mind PAC between houses 2, 11, 1, 5, 9 and their lords.

You should have seen that:

The 2nd lord Moon in the 1st house is a 2-1 combination.

The 2nd lord Moon and 9th lord Saturn in mutual aspect are a 2-9
combination.

The 5th lord Venus in the 2nd house is a 5-2 combination.

The 11th house is strong, with its lord, Mars, in its own sign/house.

The dhana yogas formed by the 2nd lord, Moon, get enhanced, as do all the
grahas in Gemini, by the benefic hemming of the 1st house which Mercury
in the 12th and Venus in the 2nd produce.

Ketu and Venus give the results of some of his dhana yogas and the greater
part of his wealth happened during these major periods. Ketu is in the 5th
house and receives the aspect of the powerful 11th lord, Mars, thereby giving
the results of Mars. Being in Libra, Ketu also gives the results of the ruler of
that sign, which is Venus. Venus, in turn, as the 5th lord in the 2nd, gives a
very good dhana yoga. Venus’ sign lord, Moon, also gives dhana yoga.

Towards the end of Ketu, he sold his company at a huge profit and has been
a billionaire throughout the 20-year Venus period. Like we saw with Bill
Gates, the wealth-giving combinations in Ross Perot’s chart got activated at
a good time of life and his has been a case of ever-increasing fortune since
then.

The media mogul, Rupert Murdoch, is also a billionaire, and his birth chart
shows why it has been his karma to accumulate such a vast fortune.

Can you see how the houses 1, 2, 5, 9, 11 and their lords are combining in
this chart?

Like Ross Perot, Murdoch’s chart has the 2nd lord in the 1st house.

This 2nd lord Saturn is in a mutual aspect with the 1st lord Jupiter.

The 11th lord Venus is in the 2nd house.

 The 5th lord Mars and the 11th lord Venus are in a mutual aspect each
other.

The 9th lord Sun aspects its own 9th house from its position in the 3rd
house.

At age twenty-one during the Venus period, he inherited the newspaper that
his father owned and proceeded to build his media empire from there. It is
again a case of steadily increasing fortune amid the normal ups and downs of
business.

Now see again the chart shown earlier in the first chapter of one of the
richest men in the world from the 19th century. John Pierpont Morgan was
the financial titan of his time and his birth chart is a lesson in dhana yogas.

As you look at it, keep in mind that the best condition a planet can obtain is
“exaltation.” Morgan’s chart is extraordinary from this standpoint.

• The Sun is in its exaltation sign Aries.

• Venus is in its exaltation sign Pisces.
• Jupiter is in its exaltation sign Cancer.
• Saturn is in its exaltation sign Libra.
Note in particular Venus and Saturn. At 27 degrees, Venus is at its most
extreme point of exaltation. At 23 degrees, Saturn is within 3 degrees of its
highest point of exaltation. Saturn’s sign lord is exalted Venus and Venus’s
sign lord is an exalted Jupiter. The dhana yogas that these two planets form
become extraordinary as a result:

• The 9th house is specifically referred to in Jyotiṣa as Bhāgya Bhāva

or the “House of Fortune, and the 1st house and its lord are always of
paramount importance in a birth chart. His lagna lord, Saturn, goes
into the 9th house in extreme exaltation. Its mutual glance with 5th
lord Mercury gives another dhana yoga, which is also magnified by
the Rāhu -Ketu axis.

• Venus, in turn, rules the 9th house and goes into the 2nd house of
wealth in extreme exaltation. It receives the aspect of its exalted sign
lord, Jupiter.

• Jupiter rules both the 2nd house of income and the 11th house of gains
of all kinds and is exalted.

This is an extraordinary astrological picture and it gave him extraordinary

wealth when he ran the periods of these planets, particularly Rāhu and
Jupiter, which occurred in the prime of his life.

Like the other billionaires featured here, his was not a “rags to riches” story.
Born in the Venus period, his father owned banks, which he worked in as a
young man. At around age twenty-seven, he began the Rāhu period, which
gave the results of the dhana yoga created by the mutual glance between the
5th lord Mercury and exalted 1st lord Saturn. It lasted for 18 years and was
followed by the even more wealth-giving 16-year Jupiter period. Then came
the period of Saturn, a planet that is even more exalted and more wealth-
giving. In his later life, Morgan redefined the phrase “rich old man”,
enjoying all the fruits of his dhana yogas until his death at age 76.

By Way of Contrast

At this point you might be thinking, “Okay, if this is what the charts of very
wealthy people look like, what does that of a chronically poor person reveal?
Will it be devoid of dhana yogas?” Before answering this question, an
important caveat must be kept in mind that also comes right out of the
ancient Sanskrit texts. A verse at the end of the chapter on wealth-giving
planetary combinations in the Bṛhat Pārāśara Horā Śāstra cautions us that:

“The yogas mentioned above should be interpreted only after

knowing the favorable and unfavorable dispositions of the
participant planets and their strength and weaknesses.”

What this verse means is that for dhana yogas to really give their promised
result, the planets involved need to be “favorably disposed” and “strong.”
Favorably disposed means that the planets mostly fall in the so-called “good
houses.” This would be angle or trine houses or the 2nd and 11th, and, as I’ve
emphasized earlier, the right planetary periods have to come along to
“activate” the yoga.

However, the verse also implies that if, on the contrary, planets involved fall
in “bad” houses and are “weak” due to debilitation, combustion, defeat in a
planetary war, gaṇḍānta or sandhi positions, or some other negative
condition, then negligible results—or even no results would follow. Consider
that

• All the charts of the billionaires had numerous connections between

houses 2, 11, 1, 5, 9 and their lords.

• The participant planets whose periods were running when they made
their fortunes were in very good condition, usually exalted or in their
own sign.

• These planets all fell in either the wealth-giving houses (1, 2, 5, 9,

11) or other “good” houses like the angles (4, 7, 10). The exception
was J.P Morgan’s Jupiter in the 6th house, but we saw that its
condition was exalted.

• These billionaires not only got the right periods at the right time of
life, but since so many of their planets were configured in dhana
yogas, most ran a whole series of periods that gave wealth
continuously to one degree or another.
With these points in mind, consider the following horoscope of a woman
from the Ukraine who studied astrology with me. Focus in on the planets in
her 2nd house and the houses they rule.

On the surface, they appear to be wealth-giving combinations since this

group of grahas includes the 1st lord Venus, the 9th lord Mercury, and the
11th lord Sun, all in the 2nd house. Under the right conditions such a
configuration could give powerful dhana yogas, but they do not in her case.
Can you see why?

Among these, the Sun does have a source of strength, being vargottama, but
this person was born in her Sun period and moved out of it by age four. The
planetary dignity of Venus and Mercury is average, and both have a degree
of combustion and, more significantly, are less than a degree of each other,
creating a graha yuddha, or planetary war.

The major blemish on all these planets in Scorpio and any yogas that they
form is the severe hemming of the sign/house by the strongest natural
malefics, with vargottama Mars with Ketu on one side in Sagittarius, and an
exalted Saturn in Libra on the other side.
All of these factors considerably reduce both the quality and magnitude of
the fruit of what might otherwise be reasonably good dhana yogas. The
structure is there but not the result. It is like having a bank account with little
or no money in it. When I knew her, she was running the major period of
Rāhu, who gives the results of Mercury, and the sub-period of Venus. In
Rāhu-Venus she was given a small promotion within the company for which
she works, along with some minor increase in her compensation, but nothing
out of the ordinary.

Now see the same Venus-Mercury-Sun combination in the 2nd house,

Scorpio, in another Libra lagna chart. Before reading further, try to
comprehend the great difference.

Here the lagna lord, Venus, is in an exchange with the 2nd lord Mars, giving
both a good source of strength. Venus is within less than a degree of the Sun,
but rather than giving extreme combustion, such planets in my experience
actually become powerhouses (see my article “The Icarus Factor”). Mercury,
the 9th lord of Fortune, is vargottama. Most importantly, there is no malefic
hemming.
Anna Bonomi was a very famous and successful Italian business woman
who built a commercial empire in Milan, as a result of which she was
referred to by the press as “The Queen of Money.” She grew up in her Venus
major period in very affluent circumstances and then inherited her father’s
real estate fortune in the Sun mahādaśā. She went on to generate her own
wealth in the Mars mahādaśā by establishing one of the first mail order
businesses. Mars is involved in a 1-2 exchange with Venus and a mutual
glance with the 5th lord, Saturn, whose debilitation it cancels. Her dhana
yogas are for real and they gave their fruit strongly in the major periods of
the participant planets.

In this chart of a former student of mine, examine the house placement of the
2nd and 11th lords, and the trine lords:

The 1st and 2nd lord, Saturn, goes to the 6th house with all malefic
influence.

The 11th lord, Mars, goes to the 12th house, also with additional
malefic influence.

The 9th lord, Mercury, is in the 12th house with all malefic influence.
 Only the 5th lord Venus is well situated, falling in the 2nd house. It
does form a potential dhana yoga, but this person would have to live
to age 91 even to begin their Venus major period, so it is unlikely that
they ever will experience any fruit of this yoga.

At the time that I knew her, she was running her Saturn major period,
throughout which she was quite poor. Her husband had a disability that
prevented him from working, and she worked minimum wage jobs. In the
Saturn-Mars period/sub-period, they were evicted from their apartment and
became homeless. They remained so throughout the rest of the Saturn
period, at the end of which the husband died. Her Mercury period has not
been much better financially.

The previous example was of a chart containing a number of house lord

combinations that could have produced dhana yogas, but did not, whereas
this chart is an example of the house lords that can give affluence being
poorly placed and afflicted for the most part. These give combinations that
are the exact opposite of dhana yogas, known in the ancient texts as daridra
yogas. Daridra means “poor,” “needy,” or “deprived of.”

The Importance of the Right Planetary Period

Given below is the birth chart of Queen Elizabeth II of England, one of the
richest women in the world:
Notice that the Queen has the same Capricorn lagna as the previous chart of
the impoverished person, and that her 5th lord Venus is also placed in the 2nd
house, forming the same dhana yoga. However, she began running her
Venus major period at age 20, and it was in this mahādaśā that she became
Queen, inheriting an immense personal fortune. In contrast to the previous
chart, many of the other house lords that can give wealth are strong and
well-placed, forming spectacular dhana yogas.

Of particular significance is the 1-11 exchange between Saturn and Mars,

with the latter at its exact degree of extreme exaltation. She was crowned
Queen in Venus-Mars. Saturn is also the 2nd lord in the 11th, getting strength
by virtue of the exchange with its sign lord. The 9th lord, Mercury, is in its
debilitation sign, but aspects onto its own 9th house.

Below is another chart that illustrates the importance of getting the right
planetary period in order to have the promise of wealth become a reality.
Planets well-placed in a chart for giving affluence cannot give their full fruit
if they never get activated as a major period.
For anyone with Virgo lagna, Venus has a special wealth-giving capacity,
since it rules both the 2nd house of income, and the 9th house of fortune. This
is particularly so when Venus falls in either of these two houses, in which
case it will be strong in its own sign Libra or Taurus. As you can see, this is
exactly the condition of Venus in this chart. It gives a good quality dhana
yoga that is completely unblemished by the additional influence of any
natural malefics or negative house lords.

The problem is that this person was born in his Venus period, with just six
months remaining. He would have to live another 119 years to run the period
again. The full fruit of the yoga is never realized. Not completely though,
since he does experience Venus sub-periods in the mahādaśā of other
planets, which have been fortunate financially.

The Virgo lagna chart of mega-movie star, Harrison Ford, also has Venus as
the 2nd and 9th lord, strong in its own 9th house. However, in his case, Venus
is also conjunct the 5th lord Saturn, forming one of the best possible dhana
yogas for this ascendant. The other all-important difference is that he began
running the major period of Venus in 1989 at age 47, which he then enjoyed
for a full 20 years. Harrison Ford has starred in some of the highest grossing
box office hits of all time and as a result has an estimated net worth of $230
million.

A second example of Venus and Saturn combining as the 9th and 5th lords to
form a superior dhana yoga for Virgo lagna can be seen in the birth chart of
another mega-movie star, Denzel Washington.
Here Venus and Saturn are together in the 2nd house as the 5th and 9th lords
with Venus in its own sign and now Saturn in its exaltation sign. As of 2020
his net worth is estimated at $220 million with the majority of this coming in
the Saturn major period.

We have seen the birth charts of billionaires who earned most of their
wealth, though at least four of them got a big head start from their fathers—a
circumstance of birth. Harrison Ford and Denzel Washington were born into
working class families, but became extraordinarily wealthy as a result of
their exceptional success as movie stars. In all these cases, the birth charts
showed the karmic potential for experiencing great wealth that then got
activated in the daśā sequence at a good time of life for them to enjoy it.

Dhana Yogas and Candra Lagna

Sanskrit classics of Jyotiṣa state emphatically that for a complete and
thorough analysis of karmic potentials in a birth chart, the planetary
patterning from the position of the Moon, known as Candra lagna, must also
be examined.

The chart of Bernard Arnault, the CEO and major stockholder in a French
luxury goods conglomerate, was used in the previous chapter to illustrate
Vasumati Yoga. See it now as an example of significant dhana yogas forming
from the Moon involving planets that also formed such yogas from the birth
lagna.
From the birth lagna his dhana yogas do not look that dramatic. His lagna
lord Sun, strong by virtue of its exchange with Saturn, is conjunct the 9th
lord, Mars. These fall in an angle house and have the additional influence of
the natural benefic Venus. Certainly, this gives a good dhana yoga.

The 5th lord Jupiter is with Mercury, the lord of both the 2nd and 11th houses,
giving another dhana yoga, but falling in a dussthāna. Jupiter is in its
debilitation sign, but with cancellation, and is additionally vargottama. In
my experience, such planets do not give weak results at all, quite the
contrary. Still, these hardly look like dhana yogas that would give such
stupendous wealth. That view changes when you view the chart using
Candra lagna.
Do you see what happens now along the wealth-giving 5-11 axis from this
perspective? There is an exchange between the 5th lord, Sun, and the 11th
lord, Saturn. Venus becomes the 2nd lord in the 11th with Mars, the 1st lord.
The 1st, 2nd, 5th, and 11th lords are all combining along the 5-11 axis forming
spectacular dhana yogas. Without this additional perspective, there is no
accounting for the enormous fortune that he has accumulated. The wealth
has come in the consecutive mahādaśās of Mars, Rāhu, Jupiter and now
especially, Saturn. It is primarily from Candra lagna that Saturn shows such
wealth-giving potentials.

Former U.S. President John F. Kennedy was very affluent his whole life as a
result of his father’s great financial fortune. His 9th house representing father
is Taurus containing its own lord, Venus, who is also the 2nd lord for his
Virgo lagna chart. Venus is with another natural benefic, Jupiter, and a
vargottama Sun.
His chart is another example of the expression “born with a silver spoon in
the mouth,” since he came into this world in his Venus major period.
However, he was no less affluent as a result of his father’s money in the
Mars major period, which from the birth lagna does not indicate this at all.
But see his Mars from his Candra lagna, Leo.

It becomes the 9th lord in the 9th house with the 2nd and 11th lord Mercury.
When a planet forms dhana yoga from both the birth lagna and the Moon, it
becomes especially capable of giving good results financially, particularly if
it has a source of strength.

At 26-03 of Pisces, Venus in the following chart is within less than a degree
from its extreme exaltation. As the 11th lord in the 9th house from the birth
lagna it gives dhana yoga by placement. From a strong Candra lagna
(Taurus) it is the 1st lord in the 11th house, again forming dhana yoga by
placement. On this basis it was predicted that her sub-period of Venus in the
major period of Jupiter would be very good financially. It proved correct
when she more than doubled her already substantial salary at this time.

Dhana Yogas Combining with Wealth-Giving Graha Yogas

The dhana yogas presented in this chapter are all based on house lordship
and placement. However, the Sanskrit classics of Jyotiṣa enumerate many
other wealth-giving combinations that come under the classification of graha
yogas, meaning they must involve certain planets. Those involved become
even more wealth-giving when they combine.

For example, in an earlier chapter Candra-Ādhi Yoga was highlighted as one

of the most powerful status and wealth-giving yogas. Candra-Maṅgala Yoga
or the Moon-Mars combination was also highlighted as potentially wealth-
giving under the right conditions.

Both are present in the chart of Bill Gates and the planets involved are all the
same grahas that form superior dhana yogas based on house lordship.

Venus, the period when he first became the richest man in the world, is the
5th lord in its own 5th house in its mūlatrikoṇa sign. This alone qualifies it to
give good financial results in its mahādaśā. But the fact that it is additionally
configured in both Candra-Ādhi Yoga and Lakṣmī Yoga, defined by when
Venus is in its own/exaltation sign in an angle and/or trine combined with
the 9th lord in its own/exaltation sign, is what really gives this graha its
ability to deliver such spectacular wealth karma.

The Moon as the 2nd lord in a mutual aspect with the 11th lord Mars form a
1-11 dhana yoga by mutual aspect. The fact that these two grahas also form
Candra-Maṅgala Yoga and are additionally with an exalted trine lord is what
has given him such enormous wealth in these mahādaśās. Now in the Mars
mahādaśā in 2020, he and his wife, Melinda, give away many millions each
year to worthy causes, mostly health-related, through their charitable
foundation.
The following chart is of a woman friend of mine born just a few days
before Bill Gates, such that all the sign positions of the planets are the same
except for the position of the Moon. Of course, the lagna is different, hers
being Libra, and all the divisional charts are quite dissimilar. However,
Saturn and Venus continue to form a dhana yoga, since Saturn is an exalted
5th lord, Venus is the 1st lord svakṣetra in the lagna, and these are conjoined
with the 11th lord, Sun.

She is a brilliant psychiatrist who has earned very well throughout her
distinguished career and owns expensive real estate, since Saturn is also an
exalted 4th lord.

The huge difference though is that her Venus is not additionally involved in
Lakṣmī Yoga and Candra-Ādhi Yoga like that of Bill Gates.
As a reality TV star and fashion industry entrepreneur, Kim Kardashian has
amassed a fortune $350 million. Her bright and waxing 9th lord Moon goes
to the 5th house in a mutual aspect with the 5th lord Jupiter from the 11th
house. Together these form a powerful dhana yoga along the 5-11 axis of her
birth chart.

However, what makes it even more spectacular is the fact that Jupiter and
the Moon are also involved in Candra-Ādhi Yoga, with the natural benefics
Venus, Jupiter and Mercury falling in the 6th, 7th, and 8th houses,
respectively, from the Moon. The wealth initially came in the Mercury major
period, a component of this yoga, and in the sign of Venus and the nakṣatra
of Jupiter.

My point in showing these last two examples is to demonstrate how when

planets in strength forming dhana yogas based on house lordship are also
configured in wealth-giving yogas of another variety, their ability to give
riches goes up exponentially.

Dhana Yoga Permutations

I will now illustrate in a more complete way the different combinations and
permutations that can create dhana yogas based on houses and house
lordships, giving illustrations, but with minimal commentary. In every
instance the combination of wealth-giving houses and/or their lords can
occur in any of three ways:

• by placement
• by aspect
• by conjunction

There are 10 such combinations that can happen in these three ways, giving
a total of 30 types of dhana yogas. Since houses 2 and 11 and their lords
pertain directly to money matters, I will begin with these.

2-11 Dhana Yogas

Some of the better dhana yogas come about through exchange of house lords
because such planets automatically have a source of strength.

In the birth chart of recording artist and movie star, Frank Sinatra, Mars and
the Sun are in parivartana yoga as the 2nd and 11th lords. Mars additionally
gets the aspect of a strong Jupiter and the Sun is with the 9th lord, Mercury.
As a result of his outstanding career in entertainment Sinatra accumulated a
fortune of $200 million.
The 2nd and 11th lord conjunct together in the 2nd or 11th house can also give
an excellent dhana yoga, as it does in the chart of movie star, Johnny Depp.

For his Cancer ascendant the Sun is the 2nd lord placed in the 11th house with
the 11th lord Venus in its own sign, while the Sun is also in its own sign in
the his navāṃśa.
Mars as his 5th lord goes to the 2nd house giving another dhana yoga. Jupiter,
his 9th lord of fortune, is in its own sign in the 9th house forming Kesarī
Yoga with the lagna lord, Moon. Now in the Jupiter major period, his net
worth currently stands at $200 million.

The chart of mega-television star, Ted Danson illustrates the special wealth-
giving potential of a mutual aspect between the 2nd and 11th lords under the
right conditions.
For his Virgo ascendant, Venus not only rules the 2nd house but also the 9th.
His is placed in the trine 5th house in a close mutual aspect with a bright 11th
lord Moon in the 11th house. Additionally, they are both with the influence of
the 5th lord Saturn forming multiple dhana yogas.

As always, what makes this combination so wealth-giving is the strength of

the planets involved. The Moon is in its own sign in the birth chart and in
navāṃśa, Venus is in its own sign, and Saturn is in a parivartana yoga. It
was in his Venus-Saturn period that he began appearing in the role of
libidinous bartender, Sam Malone, in the extremely popular TV comedy,
Cheers. It eventually made him the highest paid actor on TV and resulted in
a fortune worth $80 million.

1-2 Dhana Yogas

The first lord is the least wealth-giving among the trine lords, but can still
give a good dhana yoga when combined with other wealth-giving houses
and their lords.
Former NFL All-Star Quarterback, Boomer Esiason, made his first millions
playing football in his Rāhu major period, with Rāhu giving the results of an
exalted 9th lord Sun in the 5th house. But he went on to earn more as a very
popular sports radio host in his Jupiter and Saturn major periods, amassing a
current fortune worth $15 million.
His Jupiter is in the 2nd house with the 2nd lord Saturn getting its debilitation
cancelled. Saturn is also strong in its own sign in his D-9.

I use this example purposefully to illustrate how planets in their debilitation

signs but with effective cancellaton can still give very good results per the
yogas in which they are configured.
The chart of TV broadcast journalist, Tom Brokaw, was used to illustrate
how strong and well placed natural benefics can contribute to wealth. Jupiter
in his case did so to the tune of $80 million not just because of its good
condition and placement as the 5th lord in the 5th house, but since it also
forms a 1-2 dhana yoga by conjunction with Mars. Both have underlying
sources of strength in D-9 since Mars is vargottama and they exchange signs
in this division.

When highlighting the charts of billionaires earlier, the horoscope of media

mogul, Rupert Murdoch, was discussed. See it again for another example of
an excellent 1-2 dhana yoga for a Sagittarius ascendant, this time by mutual
aspect. What I cannot emphasize enough here is that such a combination will
not give great wealth unless the planets involved have good sources of
strength.

In Murdoch’s case, this comes from the navāṃśa placements of Jupiter and
Saturn. The former is in its own sign, Pisces, and the latter is vargottama. In
his current Saturn period his net worth is $17.4 billion.
1-11 Dhana Yogas
One of the best 1-11 combinations comes about when, for a Taurus
ascendant, the 1st lord Venus and the 11th lord Jupiter are together in the 11th
house, Pisces, in which case Venus will be in its exaltation sign and Jupiter
will be svakṣetra as the 11th lord in the 11th house.

This combination can be found in the chart of businessman, Peter

Palandjian, who in his Jupiter major period became Chairman and Chief
Executive Officer of Intercontinental Real Estate Corp., a company founded
by his father, an Armenian immigrant from Iran. The company manages a
reported $3 billion in real estate assets and $1 billion in other investments.
He personally makes millions from this position.
The birth chart of Queen Elizabeth II of England provides one of the best
examples of the extreme wealth that can result from an exchange between
the 1st and 11th lords. In her case the planets involved are Saturn as the 1st
lord and Mars as the 11th lord in Capricorn at its extreme point of exaltation
and getting the added benefit of its association with the benefic Jupiter and
the aspect of svakṣetra Moon.
When for a Pisces ascendant the 1st lord Jupiter goes to its exaltation sign in
the 5th house, this alone is a dhana yoga by placement, but if Jupiter is
additionally in a mutual aspect with Saturn in its own 11th house, then it
makes for a very wealth giving 1-11 combination.

Folk and country western singer and guitarist, Johnny Cash, rose to stardom
initially in his Jupiter major period and this continued to a greater extent in
the following Saturn mahādaśā. As a result, he became significantly wealthy
and once again the placement of these grahas in the navāṃśa adds to the
story of why. See that they are in a parivartana yoga in D-9.
1-5 Dhana Yogas

An exchange between the 1st and 5th lords can give a powerful Mahārāja
Yoga if these planets have the additional influence of a strong natural
benefic. But it can be also a very wealth-giving combination.

Movie star, Gary Cooper, made a fortune as one of the leading men of
Hollywood’s so-called Golden Era. His chart features a true Mahārāja Yoga
brought about by the exchange of the 1st lord Mars with the 5th lord Sun,
putting the latter in its exaltation sign and with the two benefics, Mercury
and Venus. Mars as the 1st lord also gets the aspect of a svakṣetra 9th lord
Jupiter.
Initial stardom with substantial paychecks first came in the Sun major period
and during his Mars mahādaśā he was one of the highest paid stars of
Hollywood.

Throughout his current Saturn mahādaśā former U.S. President, Bill

Clinton, has been very a wealthy man with a net worth of $75 million
presently. His Saturn is the 5th lord in the 11th house with the 1st lord
Mercury. Saturn’s source of strength is not obvious in either the birth chart
or navāṃśa, but in viṃśopaka bala it achieves 14.4 points out of 20 which is
quite strong.

The birth chart of Princess Margaretha of Liechtenstein is an example of a

person born into wealth. She came into this world in her Saturn major
period, the 1st lord in a mutual aspect with the 5th lord Venus in its own 5th
house, Taurus. Additionally, Venus goes into Pisces in D-9.

1-9 Dhana Yogas

Ricky Martin, known as “The King of Latin Pop,” became a major musical
star starting in the late 1990s, which made him very rich courtesy of a 1-9
parivartana yoga in his chart between the 1st lord Venus and the 9th lord and
yogakāraka planet, Saturn.

See these planets in his navāṃśa and you will understand why this dhana
yoga is the real deal. Now in his Venus major period his net worth is $60
million. The initial wealth came in his Mercury major period, forming a 5-9
dhana yoga by mutual aspect with Saturn.
When for a Leo ascendant the 1st lord Sun and 9th lord Mars are together in
the 9th house it makes for a very superior dhana yoga, since this would put
the Sun in its exaltation sign and Mars would be svakṣetra.

Dale Earnhardt made his fortune racing automobile, but the sport he had
such a passion for also killed him when he crashed and died in the last lap of
the Daytona 500 in February 2001. He left his widowed wife $31 million.

It is interesting to see that his Sun-Mars dhana yoga also relates to the 4th
house of automobiles and includes the 2nd and 11th lord Mercury. These
planets in the 9th house also benefit greatly from the very benefic hemming
of the 9th house by Jupiter and Venus in their own signs.

Priests of the Catholic church takes vows of poverty but when they be-come
cardinals and popes they live in splendor. Visit the Vatican in Rome and you
will understand what I mean by this.
Pope Benedict XVI has the unique distinction of being the only Pope in the
2000-year history of the Catholic Church to resign from the position. He
became a cardinal in his Saturn-Venus period, two planets forming a very
superior 1-9 dhana yoga by mutual aspect. Venus is a yogakāraka 9th lord in
its own sign and Saturn is a vargottama lagna lord.

5-9 Dhana Yogas

In the Sanskrit classics of Jyotiṣa, the 5th and the 9th houses and their lords
are specifically referred to as “givers of wealth,” since they are the two
strongest Lakṣmī-sthānas, or place of Goddess Lakṣmī. Their connection by
placement, aspect or conjunction can definitely give a very superior dhana
yoga.

For a Gemini ascendant an exchange between the 5th lord Venus and the 9th
lord Saturn puts the latter in its exaltation sign, making this a particularly
good 5-9 dhana yoga by placement. Such an exchange can be found in the
birth chart of former Prime Minister of Spain, Mariano Rajoy.

He won this office just after moving into the Saturn major period and he
remains in this daśā thought he is no longer Prime Minister. It was difficult
to get any detailed information about his personal net worth but at a
minimum he is a millionaire.

Venus as a component of this dhana yoga is with the 2nd and 5th lord
Mercury in the birth chart and in its mūlatrikoṇa sign in D-9.
In the Gemini lagna chart of George Gordon, the 6th Lord Byron, these same
grahas as the 5th and 9th lords are conjunct in the 9th house. Born into an
aristocratic family to a wealthy mother, his father squandered her fortune
and then deserted mother and child. But then in his Saturn period he
inherited a peerage and the estates of his uncle, the previous Lord Byron,
who died without heirs. Consequently, his financial fortunes changed
dramatically overnight. Note that Saturn also rules the 8th house of
inheritance and that his Saturn-Venus conjunction falls in the 8th house from
the Moon.

For an Aries ascendant when the 5th lord Sun is in Capricorn getting
directional strength and the 9th lord Jupiter is in its exaltation sign, Cancer,
these two grahas will form an excellent 5-9 dhana yoga by mutual aspect.

This can be seen in the following chart of a figure from American history,
John Fremont, a rather colorful character. He was a military general and
explorer who began mapping the Oregon Trail in 1842 and reached
California in December of 1845. He was elected as one of the first two U.S.
Senators from California in 1850 and was the first Presidential candidate of
the Republican party in 1856. He was known as “The Pathfinder,” as it was
said that, “From the ashes of his campfires have sprung cities.”
Besides getting dik bala in the birth chart, his Sun is exalted in D-9.

No information was available about his wealth, but since he became a U.S.
senator just after moving into his Jupiter major period, he was presumably
prosperous during this time.
2-5 Dhana Yogas

An exchange between the 2nd and 5th lords in the birth chart of Catherine the
Great of Russia, made her one of the wealthiest monarchs of her time.

In addition to the strength acquired through the exchange, Mercury is also

vargottama, and the 2nd lord and 11th lord Jupiter is with the 9th lord Venus
in the 5th house. She became the Empress of Russia in the Jupiter major
period and the height of her empire and wealth came in the Mercury
mahādaśā. Ironically, Mercury and Jupiter, the two planets forming the 2-5
dhana yoga by exchange, are also both primary mārakas and she died in
Mercury-Jupiter.

In the following chart of another monarch, King William IV of England,

there is a conjunction of the 5th lord Mars with the 2nd lord Sun in the 2nd
house. They are joined by the 11th lord Venus creating multiple dhana yogas.
The 2nd house, Leo, and these planets in it are beneficially hemmed by
exalted benefics in the houses on both sides. This is quite a 2nd house!

He reigned at a time when England’s dominance at sea enabled it to become

one of the wealthiest nations in the world.
This 5-2 dhana yoga by conjunction is enhanced by the svakṣetra condition
of Mars in D-9.

To illustrate a truly superior 2-5 dhana yoga by mutual aspect, see again the
horoscope of novelist Pearl Buck which was given earlier as an example of a
good Candra-Maṅgala Yoga.
Mars is not only the 2nd lord extremely exalted in the 11th but also the 9th
lord in a mutual aspect with the 5th lord Moon in the 5th house.

5-11 Dhana Yogas

When the lords of the 5th and 11th exchanges houses in a birth chart it can
given an exceptionally good dhana yoga.

There is no birth time available in the public domain for Facebook founder,
Mark Zuckerberg, but using his date and place of birth my considered
opinion is that his lagna can only be Sagittarius. In my view it is the only
ascendant that gives a birth chart showing such wealth, as well as how he
acquired it and when.

If I am correct, his chart features an exchange between the 5th lord Mars and
the 11th lord Venus, with the addition of the 2nd lord Saturn exalted in the
11th house. His great wealth first came in the Saturn major period when he
founded Facebook, social networks being an indication of the 11th house. In
the following Mercury period, the 10th lord connected to all these wealth-
giving dhana yogas, his wealth really soared when he took the company
public as a major shareholder.
His estimated net worth is currently valued at $82 billion.

Top professional athletes are paid obscene amounts of money these days,
and few are paid more that Lebron James, currently with the Los Angeles
Lakers of the National Basketball Association in the U.S. He is paid over
$40 million per year to play the game, but makes many more millions in
product endorsements and other ventures. He is also been very generous in
supporting worthy causes, especially having to do with children’s education.

All of his wealth has come in his Venus major period, his 5th lord conjunct
the 11th lord in the 9th house of fortune. Mars has a source of strength in the
birth chart due to its parivartana yoga with Saturn, but it is the placement of
both Venus and Mars in his navāṃśa that give this 5-11 dhana yoga by
conjunction its ability to give such extreme wealth.

Mars is exalted and Venus is mūlatrikoṇa.

If for a Taurus ascendant the 5th lord Mercury is in its exaltation sign, Virgo,
in the 5th house and in a mutual aspect with Jupiter in Pisces in the 11th
house, they would form a superior 5-11 dhana yoga by aspect.

Christophe Mae is not a name that would be recognized in the U.S., but he is
a very successful pop singer in France whose album “Mon Paradis” was the
second best-selling album in 2007.

In 2013, Maé’s third studio album, “Je veux du bonheur “, was released. It
ranked number one of the top French albums during its first week of release
with 103,680 copies to date. The album has sold more than 500,000 units to
date in July 2014.

In 2016, Maé’s fourth studio album, “L’attrape-rêves “, was released. It

ranked number one of the top French albums for 5 weeks. Until the end of
2016, it has sold 300,000 units to date.

All of this success in the music industry has come in his Mercury major
period and it has made him quite wealthy.

9-2 Dhana Yogas

Comic actor John Belushi reached the height of his success in his Sun major
period as one of the original cast members of Saturday Night Live and as the
star of feature films like The Blues Brothers. As such success in the
entertainment industry so often does, it made him rich.

Wealth in the Sun mahādaśā was predictable on the basis of the exchange
between his Sun as the 9th lord and Saturn as the 2nd lord. The Sun is
additionally forming another dhana yoga, 5-9 by conjunction, with an
exalted 5th lord, Mars.
To top it off, his Sun is exalted in the navāṃśa with the additional influence
of two natural benefics.

The birth chart of Jasmine Jordan, daughter of famed basketball superstar,

Michael Jordan, is another example of a person’s whose karma it is to be
born into a very wealthy family. She came into this world in the Sun major
period, configured in an excellent 2-9 dhana yoga by conjunction.

What makes hers especially wealth-giving is that the Sun is the 2nd lord in
the 2nd house and the 9th lord Jupiter is in its mūlatrikoṇa sign, Sagittarius,
in her D-9.
Michael Stich is a former professional tennis player from Germany. He won
the men’s singles title at Wimbledon in 1991, the men’s doubles titles at both
Wimbledon and the Olympic Games in 1992, and was a singles runner-up at
the 1994 YS Open and the 1996 French Open. Stich won 18 singles titles
and ten doubles titles. His career-high singles ranking was world No. 2 in
1993.

A successful professional tennis career made him a rich man and that
potential is clearly indicated by the 9-2 dhana yoga by mutual aspect
between his vargottama 9th lord Saturn in the 11th house in a mutual glance
with the 2nd lord Mercury in its exaltation sign as the 5th lord in the 5th
house. Jupiter as the 11th lord joins this configuration giving multiple wealth-
giving combinations.

9-11 Dhana Yogas

My jyotiṣa-guru, K.N. Rao, referred to the 11th house as “the great

multiplier” since this house and its lord can give multiples of whatever it is
connected with. When combined with the 9th house/9th lord of bhāgya
(Fortune), the result can be an outstanding dhana yoga as in the birth chart
of Queen Victoria of England. She reigned at the height of the British
Empire and was enormously wealthy.

Her birth chart features an exchange between the 9th lord Saturn and the 11th
lord Jupiter, with the latter getting its debilitation cancelled. The proof of
that is that she ascended to the throne in her Rāhu-Jupiter period, with her
vargottama Rāhu giving strongly the results of both Saturn with whom it is
conjunct and Jupiter its sign lord.

One of the best dhana yoga by conjunction occurs when Jupiter as the 9th
lord and Venus as the 11th lord conjoin in the 9th house for a Cancer
ascendant, in which case it becomes a special type of wealth-giving
combination referred to in the Sanskrit classics of Jyotiṣa as Lakṣmī Yoga.
This yoga is present in the birth chart of Eddie Arcaro who was the most
successful jockey in the history of horseracing, and it made him a millionaire
many times over.

To be successful in politics it is necessary to be able to fund your campaign

with donations. Such donations are an indication of the 11th house which
pertains to “gains of all kinds” versus money that is earned.

See the 11th house of the youngest woman ever elected to the U.S House of
Representatives, Alexandria Ocasio Cortez.
It features its own lord, Mercury, in its exaltation sign in a mutual aspect
with an almost perfectly full 9th lord Moon. Her success in getting elected
was characterized by a very effective use of social media to raise millions in
campaign funds, social networks being another indication of the 11th house.

Discussion
I have now shown examples of all the 30 possible ways in which dhana
yogas based on house/house lord can be formed. They are also all examples
of “full fruit” yogas, meaning that they all gave great wealth and it is vitally
important to understand why. In every case it had to do with the condition
and placement of the grahas involved in forming the dhana yogas. In every
instance the wealth-giving combinations had good sources of strength either
in the birth chart or the navāṃśa or both. These yogas were forming either in
the trine houses or in the 2nd or 11th. Lastly, the person ran the major periods
of the constituent planets at a good time of life.

The 30 combinations illustrated in this chapter are unlikely to give wealth to

any great extent unless these additional factors come into play. Among the
three, the strength of planets and getting the right daśā at the right time of
life are the most important. One can find cases of dhana yogas forming in
dussthāna houses giving great wealth but only because the planets involved
had good sources of strength and got activated in the daśā sequence.

Sonny Bono and his wife, Cher, made a fortune in the music and
entertainment industry during his Venus major period. For his Virgo
ascendant Venus rules the 2nd and 9th houses and it is conjunct the 5th lord
Saturn in its mūlatrikoṇa sign in the 6th house. They are joined by Mercury,
such that all three trine lords are together. His Venus obtains a very high
viṃśopaka bala score because of how often in falls in its own or exaltation
sign in the vargas.

He did make millions during this time but falling in the 6th house with the 6th
lord there were a lot of disputes over money, especially when he and Cher
divorced. Still, his net worth was $4 million when he died prematurely in a
ski accident.

The main “take away” from this chapter for readers should be that when
assessing the wealth-potentials of a birth chart focus in on the connections
between houses 1, 5, 9, 2, 11 and their lords. Then see whether the planets
involved have any source of strength, if they are placed in related houses,
and whether the person ever runs the major periods of these planets.
The previous chapter illustrated the conditions under which connections
between houses 1, 5, 9, 2, 11 and their lords when activated in the daśā
sequence bring great wealth into a person’s life as a result of their past-life
karmas and efforts in the present life. However, any book on the astrology of
wealth would be very remiss in not referencing a chapter in Pārāśara Horā,
the main authoritative Sanskrit classic of Jyotiṣa, entitled “Special
Combinations for Wealth.” These are also dhana yogas based on house
placement and lordship but are important combinations to know since they
can indicate the potential for exceptional wealth.

The first seven verses of this chapter all highlight the importance of the 5-11
axis with the lords of these houses svakṣetra. They are as follows:
1. “If there is the sign of Venus (Taurus and Libra) in the 5th house
and it is occupied by Venus herself and there is Mars in the 11th
house, the person will possess great riches.”
2. “If Mercury is in the 5th house in one of his owns signs (Gemini
and Virgo) and the Moon, Mars and Jupiter are in the 11th house,
the person is extremely wealthy.”
3. “If there is the sign of the Sun (Leo) in the 5th house and it is
occupied by the Sun himself, and there are Saturn, the Moon, and
Jupiter in the 11th house, the person will be extremely wealthy.”
4. “If there is the sign of Saturn (Capricorn and Aquarius) in the 5th
house and Saturn is there in it and the luminaries (Sun and the
Moon) are in the 11th house, the person will be extremely wealthy.”
5. “If in the 5th house there is the sign of Jupiter (Sagittarius or
Pisces) and he is situated in it and there is Mercury in the 11th
house, the person is extremely wealthy.”
6. “If in the 5th house there is the sign of Mars (Aries or Scorpio) and
Mars himself is situated there in and there is Venus in the 11th
house, the combination will make the person extremely wealthy.”
 7. “If in the 5th house the Moon is in her own sign and Saturn
occupies the 11th house, the person owns fabulous wealth.”

The question arises as to why such combinations should be especially

highlighted as giving extreme wealth. The 5th and 9th houses and their lords
are frequently identified as “wealth-givers” in the Jyotiṣa śāstra, and the 11th
house is termed lābha bhāva, or “the house of gains.” K.N. Rao also referred
to the 11th house/11th lord as “the great multiplier.” The indications of
planets connected to the 11th house/11th lord can multiply and become more
abundant. Of course, when the 5th and 11th lords are in their own houses they
also mutually aspect each other in strength. Though not stated outright in
this chapter, exchanges between the 5th and 11th lords are going to give
similar results.

The wealth-giving potential of these combinations first came to my attention

very early in my career as a teacher of Jyotiṣa when one day a student of
mine came to class with the birth data of a married couple who had just won
a $20 million Rhode Island state lottery. What fascinated me about this case
is that it was my first opportunity to examine two charts—that of a husband
and wife—in which this event must be reflected simultaneously in both.
Each had to show the potential for sudden, spectacular financial gain and at
the same time in the daśā sequence.

However, before looking at the charts of these lucky lottery winners, it

should be noted that the 8th house and its lord are identified in Jyotiṣa as
especially pertaining to sudden financial gains. Lottery winnings,
inheritances, insurance payouts, trusts and the like all come under the
province of the 8th house (as do the taxes we pay on them!). It should also be
noted that the 5th house and its lord pertain to all speculative and gambling
activities, of which a lottery is a particular variety. See the chart of the wife.
What do you notice?
You should have seen that this chart is an example of one of the verses from
Pārāśara Horā quoted above.

“If in the 5th house there is the sign of Jupiter (Sagittarius or Pisces)
and he is situated in it and there is Mercury in the 11th house, the
person is extremely wealthy.”

For anyone with a Leo ascendant, Mercury has a special wealth-giving

potential since it rules both the 2nd and 11th. Here it is not only strongly
placed as the 11th lord in its own house but is also vargottama.
Jupiter, as the 5th lord in its own house, also has an additional underlying
source of strength since it is involved in an exchange in D-9. However,
notice that it is also the 8th lord of lottery winnings/sudden gains in the birth
chart.

What’s remarkable about this Mercury-Jupiter-Saturn combination in her

chart is the way in which it continues to form spectacular dhana yogas
involving the 5th lord of gambling and the 8th lord of sudden gains from a
strong Candra lagna as well. From this perspective, Mercury is a
vargottama 2nd and 5th lord in a mutual glance with the 9th lord Saturn,
together in the 8th house with the 8th lord Jupiter. Saturn also has a great
source of strength, being exalted in the navāṃśa.

She and her husband became instant multi-millionaires on March 15, 1997.
It was her Jupiter-Ketu-Saturn period. See how the Vimśottarī daśā
brilliantly times this life-changing event in her life. Jupiter giving these
results is obvious since it is a main component of the 5-11 combination. The
sub-period lord, Ketu, illustrates how the Moon’s Nodes give their results
based on dispositorship and other planetary influences upon them. In this
case, her Ketu in Aquarius gives the results of Saturn who aspects Ketu and
is its sign lord. But see also that Ketu is in Jupiter’s nakṣatra, Pūrvā-Bhādra.
The sub-sub-period lord, Saturn, participates directly in the combination
along the 5-11 axis. It is quite a textbook illustration of the statement in
Pārāśara Horā that such a combination can make a person “extremely
wealthy.” What’s additionally interesting here about Ketu in the 7th house
and Saturn as ruler of the 7th is that she won this lottery prize with her
husband. The sudden gains were not hers alone but shared with a partner. It
makes you wonder who purchased the ticket.

Now see the birth chart of the husband, and before reading further, identify
the dhana yogas.
They are numerous, but among the most notable is the way in which the 9th
lord of Fortune, Jupiter, goes to the 2nd house, while its dispositor, Sun, gets
exalted in the strongest angle, conjunct a vargottama 11th lord, Venus and a
svakṣetra yogakāraka Mars. Note how Jupiter then aspects this formidable
configuration in the 10th house. Just like in the case of his wife, his Jupiter’s
source of strength comes from being involved in an exchange in D-9.
However, it was another feature of his navāṃśa that particularly interested
me given the verses from the chapter on Dhana Yogas quoted earlier.

“If there is the sign of Saturn (Capricorn and Aquarius) in the 5th
house and Saturn is there in it and the luminaries (Sun and the
Moon) are in the 11th house, the person will be extremely wealthy.”

Do you see how this applies to his D-9? The yoga here is particularly
significant given that the daśā sequence on March 15, 1997, was Rāhu-
Jupiter-Rāhu. In the birth chart, Rāhu is in the 9th house, giving the results
of the 8th lord Saturn of sudden gains and the powerfully dhana yoga-giving
Jupiter. In the navāṃśa, Rāhu is strong in its mūlatrikoṇa sign and giving the
results of the powerful, extreme wealth-giving combination along the 5-11
axis. Again, it is rather a textbook illustration and reinforces the point that
navāṃśa conditions of planets are so important to consider when assessing
the potential results of daśās.

Other Examples

Umberto Agnelli was born into a very wealthy industrial family with
controlling interest in Fiat, the major producers of automobiles in Italy. He
served as an executive in the company and was a multi-billionaire.

The following verse quoted from the chapter in Pārāśara Horā on especially
wealthy-giving combinations applies to his chart.

“If in the 5th house the Moon is in her own sign and Saturn occupies
the 11th house, the person owns fabulous wealth.”

While fortunate in this way, his life was tragic in others. His father died in an
airplane crash when he was only one-year-old and his mother died ten years
later in an automobile accident. The Sun, kāraka of father, goes to the 8th
with the aspect of a strong Saturn, and the Moon, indicator of mother, also
gets this aspect with the additional influence of the Rāhu-Ketu axis. The 9th
lord goes to the 6th house and the 4th lord is in the 8th, giving some level of
Nirbhāgya and Kuhu Yoga respectively. Ironically, the same combination
along the 5-11 axis that gave him such spectacular wealth, gave him tragedy
in another way, since the 5th house/5th lord become afflicted by Saturn.
Twins by his first wife died shortly after birth and another son died early at
age thirty-three.

In the birth chart of the famous French author, Victor Hugo, 6 out of the 9
grahas fall along the 5-11 axis and there is an exchange between the 5th and
11th lords. A part of this combination is the lagna lord, Venus, in the 5th
house of authorship in a mutual glance with the yogakāraka 5th lord Saturn,
giving an excellent rāja yoga. Jupiter, one of the kārakas of authorship and
here ruling the 3rd house, also joins this configuration.

Hugo is considered one of the greatest and best known French authors. His
most notable early novel, The Hunchback of Notre Dame, was written in his
Sun-Saturn period when he was twenty-eight. His greatest work and the one
for which he is most known, Les Miserables, was published in Rāhu-Venus.
In addition to their placement together in the 5th house of the birth chart
giving rāja yoga, note the continued connection of these two grahas in the
daśāṃśa, with Venus the 5th lord in its own house as the yogakāraka planet.
His great success as an author made him a very wealthy man, especially in
his Rāhu period giving the results of the 5-11 exchange in a magnified way
(prabalau). However, the 5th lord, under the multiplying effect of the 11th
lord, had another meaning in his life. It also made him famous for his many
love affairs and sexual liaisons. From Wikipedia:

“Victor Hugo gave free rein to his sensuality until a few weeks before his
death. So much so that his biographers have long given up trying to provide
a comprehensive account of his sexual activity. He took advantage of his
fame, fortune and power to get as many women as he could, whether they be
courtesans or actresses, prostitutes or true admirers, young ladies or
middle-aged women, servants or revolutionaries like Louise Michel.”

Actress Phylicia Rashad is most known for her role as Clair Huxtable on the
long-running NBC sitcom The Cosby Show (1984–92), which earned her
Emmy Award nominations in 1985 and 1986. The part also made her
extremely wealthy, resulting in a net worth estimated at $55 million.
Her chart illustrates the second verse in this chapter on special wealth-giving
combinations:

“If Mercury is in the 5th house in one of his owns signs (Gemini and
Virgo) and the Moon, Mars and Jupiter are in the 11th house, the
person is extremely wealthy.”

In her case, Jupiter is not joined by either the Moon or Mars, but Mercury is
together with the yogakāraka 9th lord Venus. This puts the two best Lakṣmī-
sthānas lords in a Lakṣmī-sthāna house. Jupiter for Aquarius lagna, like
Mercury for Leo, plays a special wealth-giving role since it rules both the
2nd and 11th house.

All of these money-related house lords combining in strength give quite

spectacular dhana yogas, and, as expected, the fruit of these came into her
life when the planets involved were activated in the daśā sequence. The first
fruit came at the end of the Ketu major period, giving exclusively the results
of its sign dispositor, Venus and nakṣatra dispositor, Jupiter. This was
followed by the twenty-year Venus mahādaśā. Part of her good fortune was
getting the right daśās at the right time of life.

More 5-11 Exchanges

The dhana yogas highlighted in Pārāśara Horā as being especially wealth-
giving have the 5th and 11th lords in their own houses mutually aspecting
each other. Yet the exchange of these house lords can produce the same
results. See the horoscope of another writer whose successful authorship has
made her quite affluent.

Edna O’Brien is a best-selling, award-winning Irish novelist, memoirist,

playwright, poet and short story writer. The former President of Ireland,
Mary Robinson, has cited her as “one of the great creative writers of her
generation,” and American author Philip Roth has described her as “the most
gifted woman now writing in English.”

In her chart, the two planetary kārakas of authorship, Jupiter and Mercury,
exchange signs as the 5th and 11th lords. Like Victor Hugo, her lagna lord
also goes to the 5th house of authorship. Her literary fame and resulting
wealth began immediately upon entering her Saturn major period and
continued unabated through Mercury, Ketu, and Venus. Her Saints and
Sinners won the 2011 Frank O’Connor International Short Story Award, the
world’s richest prize for a short story collection. Aside from her powerful 5th
house/5th lord which pertains more to novels, her 3rd house of short story
writing is also quite strong with Venus as the 3rd and 10th lord strong in its
mūlatrikoṇa sign in the 3rd house. See how strong the 3rd house from Candra
lagna becomes as well.

A parivartana yoga of the same two 5th and 11th lords can be found in the
chart of John Casablancas, the founder of Elite Model Management. He is
credited with developing the concept of the supermodel in the popular
culture, turning models into celebrities that were featured in mass media as
personalities rather than just faces. Casablancas made Elite a huge success
and himself a very wealthy man, grossing nearly $100 million in annual
model bookings during the years that he ran the day-to-day operations of the
agency.

The configuration along the 5-11 axis of his birth chart tells the story. Not
only do the 5th lord Jupiter and the 11th lord Mercury exchange signs, but
these are joined by the lagna lord, Sun, the natural benefic Venus and a
nearly perfectly full Moon, forming Kesarī Yoga with a vargottama Jupiter.

Initial success came in the Saturn major period, which activates these
wealth-giving yogas through dispositorship since it is in the sign of Venus
and the Moon’s nakṣatra.
Enrico Caruso is considered one of the greatest operatic tenors of all time.
He sang to great acclaim at the major opera houses of Europe and the
Americas, appearing in a wide variety of roles from the Italian and French
repertoires that ranged from the lyric to the dramatic. Caruso also made
approximately 260 commercially released recordings from 1902 to 1920,
and as result, he became quite affluent. All of these recordings remain
available today on CDs and as downloads and digital streams.

His chart features an exchange between the 5th lord Mars and 11th lord
Venus. His 2nd lord, Saturn, signifying the voice, is strong in its own 2nd
house and in a close angular relationship with Venus. It was in his Saturn-
Venus period that he first began to get wealthy from his recordings. From
Wikipedia:

“He made his first American records on 1 February 1904, having signed a
lucrative financial deal with Victor. Thereafter, his recording career ran in
tandem with his Met career, both bolstering each other, until his death in
1921.”

His chart exhibits the familiar pattern for a highly successful stage performer
in which there are significant rāja yogas or other fame-giving yogas that
include a connection between the 3rd and 10th houses or their lords. In his
case, the best rāja yoga for Sagittarius lagna, a conjunction between the 10th
lord Mercury and 9th lord Sun, is in the 3rd house. Added to this is the
mutual glance with 1st lord Jupiter who forms Kesarī Yoga with the Moon as
well.

Other Wealth-Giving Combinations

The yogas presented and illustrated thus far are identified in Pārāśara Horā
as being special ones for giving an extreme level of affluence. Following
these, other wealth-giving combinations are given in the chapter.

“If in the sign Leo the Sun occupies the ascendant and has the
conjunction of Mars and Jupiter there or the Sun is aspected by them,
the person will be endowed with wealth. “

Unlike in the previous yogas “the great multiplier,” the 11th lord, is not
included in this combination. Rather, there is the involvement of all three
trine lords in a trine house if the yoga is fulfilled by a conjunction.

As a boy growing up in Texas, former U.S. President, Lyndon Johnson, was

“dirt poor” as the expression goes. Yet he is ranked as the 6th wealthiest
President in U.S. history with an estimated net worth of $98 million.
In his chart the Sun, Jupiter and Mars are all conjunct in his Leo in the
ascendant, joined as well by the 2nd and 11th lord Mercury. Starting at age
thirty he ran the consecutive daśās of Mars, Rāhu (giving the results of
Mercury), and Jupiter, activating this exceptional dhana yoga.

“If in a Cancer Ascendant the Moon occupies the ascendant and she
is in conjunction with or aspected by Mercury and Jupiter, the person
will be wealthy.”

This yoga combines a svakṣetra lagna lord with an exalted 9th lord if Jupiter
is with the Moon in a Cancer ascendant chart. The addition of Mercury
would add another natural benefic getting directional strength.

The net worth of actress Katie Holmes from her own TV and film career is
estimated at $25 million. How much she received from a divorce settlement
with ex-husband, Tom Cruise, is unknown but was likely a considerable
amount.
A bright Moon and exalted Jupiter are together in the lagna of her Cancer
birth chart. They are without the additional influence of Mercury, but both
planets fall in a close angular relationship with a svakṣetra 11th lord Venus.
The Venus mahādaśā, with this graha placed in Jupiter’s nakṣatra, Viśākhā,
brought the wealth,

“If Mars is in the ascendant in his own sign and he is in conjunction

with or is aspected by Mercury Venus, and Saturn, the person will be
very rich.”

This series of verses all emphasize the lagna lord in the lagna, and this one
applies to either Aries or Scorpio ascendants. Interestingly, among the three
planets that additionally form the yoga, there are no other trine lords as in
the previous two verses. For Aries, Venus rules the 2nd house and Saturn the
11th, so it is easy to understand why these lords combining would form a
very wealth-giving combination. How Mercury contributes to this lagna is
not as obvious. It would be the addition of a natural benefic getting
directional strength if in the 1st house, but as the functionally malefic 3rd and
6th lord it is unclear why this adds to the wealth-giving potential.
The chart of former U.S. President, Gerald Ford, whose net worth before
entering the White House was estimated at $8 million, exhibits only
elements of this yoga. The lagna lord Mars is in the lagna and receives the
aspect of svakṣetra Jupiter as the 9th lord in the 9th house. The 11th lord
Saturn and svakṣetra 2nd lord Venus are together in the 2nd house.

For a Scorpio lagna, Mercury becomes the 11th lord, but Saturn as the 3rd
and 4th lord and Venus as the 7th and 12th are also something of a mystery.
Venus along with Jupiter are the two planetary kārakas of wealth, and Venus
does contribute its status as a natural benefic.
The chart of multi-billionaire Ted Turner exhibits some of the elements of
the yoga. Mars and Mercury are not conjunct in the lagna but are involved in
a 1-11 exchange, creating a similar if not stronger dhana yoga, with Mercury
getting directional strength. The requirement of Venus’s involvement also
applies.

Ted Turner was so wealthy in his Mercury mahādaśā that he routinely gave
away millions of dollars a year to worthy causes and encouraged other
billionaire philanthropists to do the same. His three-planet conjunction in
Scorpio must be seen from Candra lagna as well to additionally understand
this level of wealth. Now Mercury becomes the 9th lord with the 1st and 11th
lords in the 2nd house.

“If Mercury is in the ascendant in his own sign and he is in

conjunction with or is aspected by Saturn and Jupiter, the person is
endowed with wealth.”

This combination would apply to Gemini and Virgo lagna charts, in which
Saturn becomes the 9th and 5th trine lord respectively, and Jupiter contributes
its status as a natural benefic getting directional strength if falling in the 1st
house.
Successful professional athletes in the United States make enormous
amounts of money and former NBA player, Kerry Kittles, was no exception.
After nine years of playing basketball professionally, his net worth was
approximately $20 million.

In his birth chart Mercury is the lagna lord in its own sign with the 9th lord
Saturn and together they are aspected by Jupiter, the exact combination
quoted from Pārāśara Horā.

H. Rider Haggard is another author who grew quite affluent from the popular
adventure novels that he wrote during the Victorian era of England. His
character, Allan Quatermain, initially featured in his novel, King Solomon’s
Mines, was the model for Steven Spielberg’s Indiana Jones movies.
His Gemini lagna chart has Mercury in its own sign in the ascendant along
with the 9th lord Saturn. Jupiter is not with these grahas or aspecting them
but does fall in an angular relationship in its own sign as the 10th lord in the
10th house.

“If Jupiter is in the ascendant in his own sign and he is in

conjunction with or aspected by Mercury and Mars the person will
be wealthy.”

Such a combination would put the 5th lord together with the 1st lord in the
lagna with another natural benefic getting directional strength. The chart of
the movie star Paul Newman has a variation of this yoga.
Mars is not with Jupiter in the lagna or aspecting it, but there is a
sambandha since Jupiter aspects Mars. Mercury joins Jupiter per the verse
and gets directional strength in the 1st house. The addition of Venus as the
11th lord adds to the dhana yoga.

Mercury-Jupiter proved exceptional since he won his only Oscar during this
period after many nominations. He made millions in his movie career, but in
the Mercury mahādaśā he made many more millions from his food products
company, though he gave away all the profits to charitable causes.

“If Venus is in the ascendant in her own sign and she is in

conjunction with or is aspected by Saturn and Mercury, the person is
wealthy.”

This configuration would connect all three trine lords, and if they were all
placed in Libra, then Venus would be in its mūlatrikoṇa sign, Saturn would
be exalted, and Mercury would get directional strength. If the combination
appears in Taurus, all three trine lords would again be conjoined, with Venus
and Mercury in strength and Saturn as the 9th lord.
Tennis superstar, Chris Evert, made many millions in prize money during her
long tenure as the dominant woman in the sport. This was during her Saturn
major period, an exalted 5th lord together with the lagna lord Venus in the
lagna. Mercury is not a part of the configuration so the yoga only applies
partially. Still, her estimated net worth is $32 million.

“If Saturn is in ascendant in his own sign and he is in conjunction

with or aspected by Mars and Jupiter, the person will be endowed
with wealth.”

For Capricorn lagna this would connect the 1st and 11th lords along with a
natural benefic, and one of the planetary kārakas of wealth. If Jupiter is in
the 1st house it would acquire directional strength. For Aquarius lagna the
1st, 2nd, and 11th lords would combine. Why Mars would add to the dhana
yoga is not clear.

It could be that with this combination and some others given previously, the
intended meaning is not that all three grahas mentioned be involved. It could
mean that Saturn as the 1st lord in its own sign in the 1st house should
combine with Mars as the 11th lord, in the case of Capricorn lagna, and with
Jupiter as the 2nd and 11th lord, in the case of Aquarius lagna. See again the
verse about Mars as the lagna lord in the lagna.

“If Mars is in the ascendant in his own sign and he is in conjunction

with or is aspected by Mercury, Venus, and Saturn, the person will be
very rich.”

Mars combining with Saturn for Aries makes sense because it is the 11th
lord, but not for Scorpio where it is the 3rd and 4th lord. Likewise, Mars
combining with Mercury for Scorpio makes sense because Mercury becomes
the 11th lord, but for Aries, it does not since it becomes the 3rd and 6th lords.
This is conjecture are my part but some of these verses appear more
comprehensible when understood in this way.

In any event, the chart of Queen Elizabeth approximates the combination

given in this verse with respect to Capricorn. The 1st lord Saturn is not in the
lagna but exchanges with the 11th lord Mars in extreme exaltation giving a
similar result. Jupiter is there also, getting its debility effectively canceled
and acquiring directional strength. Her estimated net worth is $500 million.

Following these verses in the chapter, we find the following statement:

 “The 5th lord and the 9th lord are capable of giving wealth. The
planets who have the conjunction of these two will also bestow
wealth in their daśā periods, there can be no doubt about it.”

When discussing the chart of Irish author, Edna O’Brien, earlier, it was noted
that her initial fortune from authorship came in her Saturn period, which for
her Leo lagna does not rule wealth-giving houses but is in the 5th house
connected to the 5-11 exchange involving a vargottama 5th lord Jupiter.

Dignities in the Vargas

What’s quite interesting about this chapter in Pārāśara Horā is that it
concludes with verses about the 5th and 9th lords acquiring strength by
having a good dignity in a number of vargas in addition to the rāśi. The
lead-in to these concluding verses is this statement:

“In the above combinations of the planets divisions should be made

of benefics and malefics and the wise astrologers should make
predictions after properly knowing the strength and weakness.”

This verse speaks to the need to additionally qualify these yogas and all
yogas by noting a planet’s dignity not just in the birth chart but in the vargas
as well. If a planet repeatedly achieves a good dignity then it becomes
especially empowered to give a high quantum of results.
Focus in on Saturn in this chart, an exalted 5th lord in the 2nd house with the
aspect of Jupiter forming a dhana yoga. See its degrees. This makes it
exalted in seven out of the sixteen vargas given in Pārāśara Horā, including
D-3 and D-9. Such a condition adds tremendous strength to the yoga.

It is the chart of a friend of mine who grew up in a wealthy family in his

Saturn major period, and then later in life earned very well for himself,
particularly in Ketu-Saturn in which his management consulting business
earned a half million in a year’s period.

Like all yogas, if potentially wealth giving combinations in a chart are going
to give their full fruit, they must have sources of strength.
In addition to wealth-giving yogas based on house and house lordship, the
Sanskrit classics of Jyotiṣa contain combinations that require the
involvement of specific grahas. This chapter is about these wealth -giving
yogas, beginning with the best one that has already been referred to in
previous chapters.

Lakṣmī Yoga

Lakṣmī is the Vedic goddess of wealth and abundance of all kinds, and the
consort of Viṣṇu, the sustaining aspect of the Divine. She represents his
śakti, or power of manifestation. More than one variety of this yoga can be
found in the ancient texts.

The most well-known one comes from Phaladīpikā:

“If the lord of the 9th and Venus are posited in their own or exalted signs
identical with trine or angle, the Yoga is called Lakṣmī.”

“A person born with Lakṣmī Yoga in his birth chart will always enjoy the
company of young and amiable women. He will be free from ailments, be
wealthy and sharp, blessed by the goddess Lakṣmī and protector of his
people. He will have the best of transports like horses, elephants, and
palanquins. As a ruler he will be most pleasing to all his subjects and liberal
in his gifts.”

Throughout the Jyotiṣa Śāstra, Venus is given as being the planetary

indicator of Lakṣmī and therefore of wealth and luxury. It also is the kāraka
of vāhanas or vehicles. The trine houses 1, 5, 9 are referred to in Pārāśara
Horā as Lakṣmī-sthānas or places of goddess Lakṣmī, and among these the
9th is the strongest, referred to as bhāgya bhāva or house of Fortune/Luck. It
stands to reason then that if Venus is in its own or exaltation sign in an angle
or trine with a svakṣetra or ucca 9th lord, then such a combination would be
excellent for bringing all these blessing of goddess Lakṣmī.
Gemini, Cancer and Scorpio are the only three ascendants in which this yoga
can occur.

For a Gemini lagna this happens when Venus and Saturn are conjunct in
Libra in the 5th house. The chart of Bill Gates is the classic example, and it
was in his Venus mahādaśā when he first became the richest man in the
world.

This yoga gets further qualified in a highly favorable way since Venus also
participates in an excellent Candra-Ādhi Yoga.

An exalted Venus combining with Jupiter as the 9th lord in the 9th house for
Cancer lagna also gives Lakṣmī Yoga. The fact that Venus is also the 11th
lord when this happens just increases the wealth-giving potential of this
combination.

The chart of recording artist, Judy Collins, illustrates a variant of Candra-

Ādhi Yoga, with all the natural benefics falling in the 7th house from the
Moon. Consider now how the collection of benefics in Pisces also gives
Lakṣmī Yoga, and it was in the Jupiter major period in the 1960s and 70s that
Fortune smiled upon her.
The chart of Eddie Arcaro, a jockey who won more prize money than
anyone in the history of horse racing, is a good example of Mukuṭa Yoga,
with Jupiter in the 8th house from the Moon in its own sign, and he wore the
crown many times. See that he also has Jupiter and Venus together in the 9th
house for his Cancer lagna.
I have emphasized that the strongest way in which two grahas can be
connected is through an exchange of signs. By the definition given in
Phaladīpikā, Lakṣmī Yoga cannot be formed this way, but something that
strongly approximates it occurs when Venus and Jupiter have a 9-11
exchange for a Cancer Ascendant. This can be seen in the chart of movie
star, Steve McQueen.

It is as if these planets are conjunct, and by virtue of the exchange, Jupiter

gives results as if it were in its own sign. The net effect is very Lakṣmī Yoga-
like, and when Steve McQueen ran his Jupiter-Venus period he was the
highest paid actor in Hollywood, netting $5 million per picture, and unheard-
of-sum at the time.

A more contemporary movie star, Robert Downey Jr., has also made an
incredible fortune in films and his Cancer lagna chart displays the same 9-11
exchange between Venus and Jupiter.
He has been in his Jupiter mahādaśā since 2009, and the Iron Man movies in
which he has starred since being in this period have all been mega-
blockbuster hits that have elevated his fortune to an estimated $180 million.

For a Scorpio ascendant, when the Moon and Venus combine in the 7th
house of Taurus, it gives Lakṣmī Yoga. Of the three varieties it is probably
the least potent because it does not occur in a Lakṣmī-sthāna like the other
two. It is still an excellent combination, especially if well qualified in other
ways.

You are not likely to recognize the name Herbert von Karajan unless you are
a student of classical music. He was the principal conductor of the Berlin
Philharmonic Orchestra for 35 years. Generally regarded as one of the
greatest conductors of the 20th century, he was a dominant figure in
European classical music from the mid-1950s until his death in 1989.

His Lakṣmī Yoga gets favorably qualified since the Moon, Venus and Mars in
Taurus form multiple favorable yogas, including Mālavya Yoga from both
the birth lagna and the Moon, multiple rāja and dhana yogas, and Candra-
Maṅgala Yoga.

Of particular note is the way in which Venus, planet of music, additionally

participates in a very superior Sarasvatī Yoga. Both the goddess-named
yogas in his chart are quite exceptional because of the strength of the planets
involved. Venus is svakṣetra in the rāśi while Jupiter is exalted. But it is the
navāṃśa placement of these constituent planets that really send these yogas
into the stratosphere.

Here Venus goes to its exaltation sign, and Mercury and the Moon are both
svakṣetra.
Similar yogas can be found in the chart of another famous artist, the New
Zealand painter and author, Peter McIntyre.

In his case the Lakṣmī Yoga is joined by an exalted Rāhu and gets favorably
qualified by the aspect of the 5th lord Jupiter. Sarasvatī Yoga occurs now
from Candra lagna.

Alternate Lakṣmī Yoga

A different definition of Lakṣmī Yoga given in the ancient texts emphasizes

more the condition of the 9th lord and the lagna lord.

“The 9th lord in an angle or trine in its own, mūlatrikoṇa or exaltation sign
and the lagna lord strong.”

“One will be charming, famous, of high moral merits, virtuous, kingly and
endowed with many sons and abundant wealth.”

The 9th house, besides being the indicator of general good fortune is also the
house of dharma or virtuous activity. Having it strongly dignified and well
placed in a good angle or trine house is an excellent feature of any birth
chart. It is not only good for material prosperity but for making a person
virtuous and highly moral, all other things being equal. Since the lagna is
also a Lakṣmī-sthāna house and such an important element of any birth
chart, having its lord strongly dignified and well placed supports the best
expression of any favorable yoga in a chart.

Actresses Angelina Jolie and Ashley Judd, both well known for their
humanitarian work, have this yoga brought about in the same way by having
the lord of the 9th conjunct the 1st lord in the 9th house. Of course, both are
also extremely wealthy.
The chart of the English poet and 19th century celebrity George Gordon,
better known as Lord Byron, has this yoga as well but formed in a different
way.

Saturn is the 9th lord in the 9th in its mūlatrikoṇa sign, with the natural
benefic Venus, who is also the 5th lord. These together form a very good
dhana yoga by themselves, but since his lagna lord Mercury is vargottama
and strongly placed in an angle, the conditions for this form of Lakṣmī Yoga
are met as well.

Saturn is without blemish, but Mercury is with Rāhu and is aspected by

Mars, a natural and functional malefic for this lagna. This disqualifies the
lagna lord side of the yoga in an unfavorable way and modifies the
indications of “high morals and virtuous activity.”

Byron was certainly wealthy at times in his life and lived opulently, even
extravagantly, but was very paradoxical in his behavior. A friend described
him as “half-angel, half devil.” He behaved abominably towards his wife
during their brief marriage, but was also known for his great acts of random
kindness. Two anecdotes from his life serve to illustrate the latter. Once
while visiting an aristocratic woman friend fallen on hard times after being
abandoned by her husband, she discovered that he had left behind a sizable
amount of money in a teacup. Once when traveling in Italy he came upon a
roadside inn that had just burned down leaving the family who owned it
without their livelihood or a home. He gifted them with the sum needed in
order to re-build.

The following chart is of a woman friend of mine whose husband earns very
well and who lives an affluent life style. She also has some extremely
wealthy friends who at times have paid for her to go with them to luxury
spas and the like. Just recently one of them gifted her daughter with a harp
worth $20,000. She is always beautifully and expensively dressed and has a
jewelry box that most women would envy. At the same time, she is very
charitable and has devoted her time, energy and considerable talents as a
musician to worthy causes.
Her chart has this form of Lakṣmī Yoga with the 9th lord Venus exalted in the
7th, while the lagna lord is well placed in the 5th house aspected by Jupiter
getting directional strength in the 1st house.

The chart of a recent Pope of the Catholic Church has this form of Lakṣmī
Yoga since the 9th lord and yogakāraka planet Venus is in its own sign in an
angle while the lagna lord Saturn is vargottama and strongly placed in the
10th house. Catholic priests take vows of poverty and supposedly have no
riches of their own, but when they become bishops, cardinals and popes as
this man did, they live in very luxurious and opulent material circumstances.
Of course, the best among them, like presumably this man, are highly moral
and have dedicated their lives to virtuous activity.

This chart belongs to an Indian woman doctor living in the U.S. whose
husband is also a physician. They have a foundation that has given hundreds
of thousands of dollars to charitable causes. Twice a year they organize
surgical teams to go into impoverished areas of the globe and perform
operations for those in need at their own expense. They are among the most
charitable and virtuous people that I have the privilege of knowing
personally. They are also quite affluent but use their wealth to help others.

Her 9th lord Jupiter is exalted in the 4th angle house, while her lagna lord
Mars is strongly placed in the 5th house, with the 5th lord, with a benefic, and
hemmed by two exalted benefics. Note that all the dharma lords are well
placed and the 5th and 9th lords haves sources of strength. Her whole life has
been about engaging in activities that benefit others.

Good Lakṣmī Yogas in a birth chart are like precious jewels that help ensure
the continuous blessing of this Vedic goddess of wealth and abundance.
Brahma Yoga

This is another yoga named after a deity, the creative aspect of Hindu trinity.
It is defined as follows:

“Natural benefics falling in the 4th, the 10th and 11th houses from
the lagna lord.”

The fruit is described as:

“One born with this yoga will be happy, learned, conversant with the
entire body of sacred lore, truthful, virtuous, gallant, beneficent to
every living thing, and endowed with wealth and sons.”

What I find interesting about this definition is that rather than natural
benefics falling in the angles from the lagna, something that is repeatedly
emphasized in Sanskrit classics as a very favorable feature in charts, here the
definition calls for two angular placements of natural benefics from the lagna
lord, and another from the house of gains (11th) from there. This appears to
be in keeping with the idea that planets in an angular relationship exert a
strong influence upon each other, referred to in Phaladīpikā as kendra
sambandha.

A good example of this yoga can be found in the birth chart of retail store
pioneer F.W. Woolworth.
His lagna lord Mars is in Cancer. From there the natural benefic Jupiter goes
to the 4th house, Mercury is in the 10th house from there and Venus is
svakṣetra in the 11th house from Mars, giving this version of Brahma Yoga.
From reading biographical material about him, the description of this yoga
fits him rather completely. His initial success with “Five and Dime” stores
came in his Jupiter period, it grew in his Saturn period and peaked in the
Mercury mahādaśā.

Another version of Brahma Yoga given in the Sanskrit classics has this
definition:

“Jupiter in an angle from the 9th lord, Venus in an angle from the
11th lord and Mercury in an angle from the lagna lord or 10th lord.”

Its results are described as:

“One enjoys a long life and luxury in food and other pleasures, has
the respect of the learned and spiritual individuals, and is well
educated, virtuous and charitable.”

Consider the components of this yoga. All the natural benefics are involved,
as are the best house lords for worldly success and prosperity. Like with the
previous version, this Brahma Yoga appears to be based on the idea that a
natural benefic falling in an angular relationship with a house lord is a very
good thing for that house lord and all that it signifies. If these natural
benefics have sources of strength, then it becomes superior.

It should also be noted that by this definition there are three ascendants that
cannot give this yoga. For Aries, Jupiter is the 9th lord and therefore cannot
be in an angle from itself. For Cancer, Venus is the 11th lord and the same
thing applies. Again, for Virgo, Mercury as the 1st and 10th lord cannot then
fall in an angle from itself. It makes this yoga rather rare. The only example
that came to mind was the birth chart of the prolific Victorian author, H.
Rider Haggard, who wrote the famous novel King Solomon’s Mines.

Jupiter falls in an angle from his 9th lord Saturn, Venus falls in an angle from
his 11th lord Mars and Mercury is in an angle from lord Jupiter. Note that all
these natural benefics have good sources of strength. Jupiter and Mercury are
svakṣetra in the rāśi and Venus goes into its own sign in the D-9.
He certainly was well educated and highly respected also since he was
knighted in 1919. As to virtuousness, Haggard was involved in reforming
agriculture and was a member of many commissions on land use and related
affairs. The knighthood occurred in Mercury-Venus, the period and sub-
period of planets forming Mahārāja Yoga, but components of his Brahma
Yoga also. He was also quite prosperous and lived in luxury.

Viṣṇu Yoga
Viṣṇu, the sustaining aspect of the Divine, has a planetary combination
bearing its name that involves the 9th and 10th lords as well. See this
definition and description of the results:

“If the lord of the navāṃśa in which the 9th lord is placed is with the
9th and 10th lords in the 2nd house, then Viṣṇu Yoga is formed.”

“One leads a happy and enjoyable life, accumulating fortune in

various lands. Knowledgeable and a good conversationalist, one is
favored by rulers and enjoys perfect health to 100 years of age.”

The 9th and 10th lord combining can give a powerful rāja yoga, and the 9th
lord in the 2nd house can be good for wealth under the right conditions. The
intriguing additional stipulation here is that these be joined by the planet
who is the lord of the sign in which the 9th lord of the birth chart is placed in
the D-9. Part of the idea behind this yoga appears to be that this addition
greatly enhances these effects.

Comedic actor John Belushi certainly did not live to be 100, but rather died
young from a drug overdose. Otherwise, the results of this yoga appear to
apply.
His 9th lord is the Sun in the 2nd house in the rāśi, involved in an exchange
with the 2nd lord Saturn, producing an excellent dhana yoga just based on
this. It is with the 10th lord Mercury, forming the best rāja yoga for his
Sagittarius lagna. These combinations get enhanced further by the addition
of Mars as the 5th lord in its exaltation sign, though debilitated in the D-9.
However, Mars is also the dispositor of the 9th lord Sun in the D-9 with the
latter exalted. The result is a superior Viṣṇu Yoga. Not surprisingly, his star
was at its brightest in his Sun period, but being in the 2nd house it was also a
māraka.

The chart of movie star, Leonardo Di Caprio, also has Viṣṇu Yoga.
His 9th lord Venus is in its mūlatrikoṇa sign with the 1st and 10th lord
Mercury in the 2nd house from the best rāja yoga and a good dhana yoga for
his Virgo lagna chart, fulfilling this part of the definition. Since Venus is
again in its own sign in the D-9 and has no dispositor, it can be said to be
fulfilling two roles in forming his Viṣṇu Yoga.
Di Caprio became an international star for his performance in the movie,
Titanic. He was selected for the role and made the movie in his Rāhu-Venus
period, though the film was not released until Rāhu-Sun. How Rāhu gives
such rāja yoga-like results is a very interesting technical question from the
standpoint of classical interpretive principles.

• First of all, classics of Jyotiṣa have good things to say about the
results of natural malefics like Rāhu falling in the triśaḍaya houses,
3, 6 and 11, and here Rāhu falls in the 3rd house of the performing
arts.

• Not being with or aspected by any planet, Rāhu will give the results
exclusively of its sign and nakṣatra lords, Mars and Mercury,
respectively.

• According to the principles given in the chapter on Yogakārakas in

Pārāśara Horā, Mars as an impressionable 8th lord will give the
results of the stronger house lord with whom it is associated. In this
case, Mars gives the results of the powerful 9-10 rāja yoga formed
by Mercury and Venus.

• The Sun is also a part of this combination in his 2nd house and only
rules the likewise impressionable 12th house. It also gives these
rāja/dhana yoga results.

• Thus, he skyrocketed to great fame and fortune in his Rāhu-Venus

and Rāhu-Sun periods.

His daśāṃśa adds confirmation to what kind of results these periods and
sub-periods can bring, with all three of these grahas connected there and
again configured in powerful angle-trine combinations. It is all rather
“textbook.”
Śiva Yoga
The third member of the trinity, Śiva, has a yoga that goes by his name as
well and can be good for wealth.

“If the lord of the 5th is in the 9th, the lord of the 9th in the 10th and
the lord of the 10th is in the 5th, Śiva Yoga is formed.”

“One is successful in trading, victorious and a ruler of armies,

possessing higher wisdom and living a virtuous life.”

This interesting and rather rare combination creates a series of connections

between the two best trikoṇa houses, 5 and 9 and the strongest kendra, the
10th. Not only do these good house lords all become well placed with this
yoga, but they become dispositors of each other as well. It creates a highly
favorable pattern involving one good dhana yoga and two powerful rāja
yogas.

I was actually rather hard pressed to find a chart with Śiva Yoga, and the
following chart is not of someone many would recognize unless they are a
historian of French aviation.
Didier Daurat was a famous combat pilot during World War I and then he
went on to be a major player in the French airline’s industry, first as a pilot
and then as the Operations Director of a company that evolved into Air
France. In 1935, he founded his own company, Air Bleu, which transported
mail throughout France both day and night. It was very successful until Nazi
Germany invaded and occupied France. After World War II he launched the
company again and then later in life became Operations Director for Air
France.

His 5th lord Sun goes to the 9th house, while Jupiter, the 9th lord, goes to the
10th house Capricorn. Saturn as the 10th lord then goes to the 5th house, thus
completing the conditions for Śiva Yoga. His success and stature as
something of a legend in the airline industry in France came in his Jupiter
and Saturn major periods, two components of the yoga, with Jupiter
debilitated in the rāśi but exalted in the D-9. With this success came
financial prosperity.

With the exception of Lakṣmī Yoga, those given in this chapter are not
specifically or exclusively wealth-giving yogas as can be seen from the
results ascribed to them in the ancient texts. Yet part of that result is good
material prosperity and thus I have included them here.
Among those individuals whose karma it is to become very wealthy, lottery
winners fall into a rather unique category. Wealth comes into their life in a
very sudden, uexpected way and is unearned. Acquiring riches in this way is
the dream of millions who purchase lottery tickets, but the odds of actually
winning great wealth in a lottery are astronomical. And I have read some sad
stories about what happened in the lives of people subsequently, very much
in keeping with the old adage, “money can’t buy happiness.”

In a previous chapter on the especially wealth-giving combinations given in

Pārāśara Horā, I showed the charts of a husband and wife who won the $20
million Rhode Island lottery. Since chancing upon that case early in my
study of Jyotiṣa, I have examined the birth charts of other multimillion
dollar lottery winners and have even published an article about these entitled
“It Could Happen To You”.

My intent in studying these chart was to uncover the astrological factors that
could predict such sudden wealth through lottery winnings. As one would
expect, there must be the presence of high quality dhana yogas, but these
must also be connected to the 8th house/8th lord, which is the house
pertaining to lotteries. What follows are some of the charts discussed in that
article:
Gillian Bayford is a Scottish woman who, together with her husband Adrian,
won 148 million euros on August 10, 2012, making them the second-biggest
lottery winners in the history of the United Kingdom. Upon first seeing the
chart, I immediately wondered if the lagna was correct. I thought it must be
Aquarius not Capricorn. The time of 12:20 AM is from a birth certificate and
would need to be advanced 12 minutes to make this change.

The reason I thought this is that it was the Jupiter major period that brought
the sudden, spectacular wealth from lottery winnings. This is completely
unlikely for a Capricorn ascendant, but for Aquarius lagna Jupiter shows
exaclty the kind of wealth-giving potentials referred to in Pārāśara Horā
when as the 2nd and 11th lord it is in the 11th house and in a mutual glance
with the 5th lord Mercury in the 5th house. Note that Mercury is also the 8th
lord.
Add to this combination the 9th lord Venus and the Sun as the 7th lord of the
spouse and everything about this event becomes very visible with this
timing. Seeing the condition of Venus and Jupiter in D-9 additionally sheds
light on the magnitude of the sudden wealth.

Jupiter is exalted and Venus is in its mūlatrikoṇa sign.

Angela Kelly is another Scottish woman who experienced sudden,
spectacular wealth when she won a British lottery. The sum was not nearly
as great, 34 million euros, but still quite substantial. It happened on August
15, 2007. The birth time is also from a written record and in her case gives a
degree of lagna more in the middle of the sign, one that raises no concern
about a correct ascendant.

However, I follow the advice of my teacher, K.N. Rao, that every birth chart
should be verified based on the timing of life events, and in her case there
are exact dates available for a good number of these. Therefore, I will go on
a short digression and demonstrate the process of verifying a birth chart with
life events.
Marriage: August 15, 1987

It was Ketu-Ketu-Venus in Vimśottarī, which can be accepted on the basis of

D-9 where Ketu is in the lagna and Venus is the 7th lord.

Child Birth: Son born September 4, 1992

Ketu-Saturn-Mercury in Vimśottarī. Ketu is in the 5th house with Mercury.

Sub-period lord Saturn is in the 5th house from daśā lagna, and as the 9th
lord (5th from the 5th) it is a child-giver.

Mother Died: July 13, 1997

Venus-Venus-Mercury. Using the 4th house of the mother as a lagna (Virgo),

Venus is a māraka 2nd lord and Mercury is in the 2nd house.

Separated From Husband: 1997

Venus-Venus - kāraka Venus in the 6th aspected by the 8th lord Saturn.

Based on these timings of life events, the birth chart is undoubtedly correct
in my view.
The static potential for wealth in her chart is as follows:

• The lagna lord is in the 5th.

• A bright Moon as the 2nd lord is in the 2nd house with an exalted
Jupiter.

• The 11th lord Mars aspects its own 11th house.

• The 9th lord Saturn is in its own house in its mūlatrikoṇa sign (and is
also the 8th lord of sudden gains/lottery winnings).

From Candra lagna, the dhana yogas are even more evident and dramatic
with Venus as the 11th lord combining with the 2nd lord Sun in the 5th house
and aspected by an exalted 9th lord Jupiter, forming a 1-9 combination in the
lagna. From both perspectives, Saturn is the 8th lord.

Lottery Win: August 15, 2007 in Venus-Saturn-Saturn

The first thing to note about this timing is that Venus is the 5th lord of
gambling from the birth lagna and in the 5th house from a strong Candra
lagna. Saturn is the 8th lord from both perspectives, strong in its mūlatrikoṇa
sign in the birth chart and that of a Great Friend in D-9. As seen from the
static analysis, both are wealth-givers, and are connected by Saturn’s aspect
to Venus.

We have all heard the phrase “the luck of the Irish.” I wonder if it applies to
Scottish people as well, since here are the charts of yet more lottery winners
from there. Chris Weir and her husband, Colin, won 161 million pounds on
July 12, 2011. Before reading further, see if you can identify the static
potential for sudden wealth in the wife’s chart.

• The 1st and 8th lord Venus combines with the 9th lord Mercury in
Jupiter’s sign aspected by Jupiter. Venus is in its own sign in D-9.

• From Candra lagna this combination becomes the 11th lord Mercury
in the 2nd aspected by the 2nd lord with an additional natural benefic,
Venus.

• The 11th lord Sun goes to the 2nd house with the 5th lord Saturn,
while their dispositor, Mars, goes to the 1st.

• Jupiter, kāraka of wealth, is in the 11th house.

In D-9 Saturn’s exchange with the Sun appears to fall along the 6-12 axis but
the degrees of her lagna in the birth chart are 19-36. This means that if we
advance the birth certificate time just three minutes the navāṃśa lagna
changes to Aries.
Now the exchange becomes 5-11. I consider it likely that this is her true
navāṃśa since this sudden, spectacular wealth came in her Venus-Saturn-
Saturn period. Just as in the case of Angela Kelly, it happened in a period
and sub-period involving the 8th lord of sudden gains and the 5th lord of
gambling.

Now see the chart of her husband, also based on a birth certificate time, and
do the same analysis for static wealth potentials before reading further.
What immediately catches the eye is the combination of a svakṣetra 11th lord
Moon with the 5th lord Saturn in the 11th house, while Saturn is in its
exaltation sign in navāṃśa. This is potent dhana yoga.

Otherwise, the lagna lord Mercury in the 9th is the only other consideration
from the birth lagna. However, the over-all wealth-giving potential of the
chart improves from a strong Candra lagna. The Mars-Venus-Jupiter
combination becomes a conjunction of the 5th and 11th lord in a mutual
glance with the 9th lord falling in kendras.

On July 12, 2011 he was running Sun-Saturn-Rāhu in Vimśottarī. The sub-

period lord, Saturn, giving this result as the 5th lord of gambling involved in
a potent dhana yoga is clear enough. The 8th house/8th lord comes into play
here because Saturn is in a mutual aspect with Mars, a strong 8th lord in the
8th house.

The Sun giving this result as a major period is not as obvious. As a pure
impressionable for his Virgo lagna, it does fall in the 9th house of fortune
and gives the results of Mercury, the 1st lord in the 9th. Mercury’s strength
here derives from its svakṣetra navāṃśa placement. Sun and Mercury are
disposited by the 9th lord, Venus in the 8th with the 8th lord, Mars. It is
interesting to note that both the major and sub-period lords are in their own
nakṣatras.

Unless a person has high-quality dhana yogas in their birth chart connected
to the 8th house/8th lord and these are being activated in the daśā sequence, it
is best not to waste money on lottery tickets. It would not be their karma to
win.
Winning the lottery is not the only way people become suddenly wealthy. It
can happen also through inheritance, another 8th house manifestation. More
often than not this is expected and anticipated. But it can happen suddenly
and unexpectedly as in the case discussed in a previous chapter of the
famous English poet, George Gordon. He was born into a noble family but
grew up in relatively impoverished circumstances, at least for his social
status. All that changed overnight at age 10 when a great uncle died without
an heir, making him the 6th Lord Byron and the inheritor of a large estate.

It happened in his Saturn major period, the mūlatrikoṇa 9th lord of this chart
conjunct Venus the 5th lord, together forming a substantial dhana yoga.
Saturn is also the 8th lord of inheritance for his Gemini lagna, and is the 8th
lord in the 8th from his strong Candra lagna. One would think that the Venus
sub-period would have brought this, but it was Saturn-Moon-Jupiter. The
Moon is a completely full svakṣetra 2nd lord and together with Jupiter forms
Śubha Kartarī Yoga.
Doris Duke is a more contemporary figure widely-known as a prominent
heiress. She was the only child of tobacco tycoon James Buchanan Duke.
After the death of her father in 1925, she inherited a huge fortune while in
her early twenties, equivalent to around $1 billion today. She used her
stupendous wealth to travel the world and pursue her diverse interests
including jazz piano, surfing, horticulture, art collecting and philanthropy.
She owned residences throughout the world, including a paradisiacal estate
built in Hawaii in the 1930s called “Shangri-La.”

Her four-planet conjunction in the 1st house forms multiple, potent dhana
yogas, with the 2nd and 5th lord Jupiter and 11th and 8th lord Mercury of
inheritance both getting directional strength in the 1st house. These same
grahas all fall in the 8th house from the Moon, again forming multiple dhana
yogas with the 8th lord, Mars, in the 8th house from this perspective. All
three trine lords for the Moon are involved. As one would expect, her D-9
adds to the picture.
The 5-11 wealth-giving axis gets emphasized again with a svakṣetra Jupiter
as the 5th lord with the 11th and 8th lord Mercury. The main portion of her
inheritance came to her at age 25 in her Sun-Mercury period.
Barbara Hutton was heiress to the Woolworth Dime Store fortune founded
by her grandfather. Her inheritance was estimated between $100 million and
$500 million which she proceeded to spend with abandon. She is known also
for her seven marriages, including one to movie star, Cary Grant, and for her
art collection.

The principle dhana yoga in her chart is the conjunction of the 2nd and 11th
lord Jupiter with the 5th lord and 8th lord Mercury and in a mutual aspect
with the 1st lord Saturn. The source of strength for Jupiter and Saturn is their
parivartana yoga in her navāṃśa.

Additionally, the 9th lord and yogakāraka planet, Venus, is in the 11th house.
Venus is also in an exchange in D-9.

She inherited her millions in the Rāhu major period, giving the results of
Jupiter as the sign lord and Mercury as the nakṣatra lord and the 8th lord of
inheritance conjunct Mercury.
Heiress Gloria Vanderbilt was dubbed by the press “poor little rich girl”
when her father died when she was 18 months and her mother lost custody
of her when she was declared at unfit mother in a scandalous, much
publicized trial. She inherited a fortune but also made one as a model and
well-known fashion designer. Her chart features:

• An exalted 2nd lord Venus in Jupiter’s sign and aspected by the 9th
lord Jupiter.

• The Jupiter-Mars conjunction in Scorpio is a combination of the 1st

and 8th lord. Mars with the 9th lord Jupiter, a dhana yoga forming in
the 8th house.

• The 5th lord Sun is in the 11th house aspecting its own 5th house.

• Her 11th lord Saturn is exalted in an angle.

She came of age and gained control of her trust fund in her Venus major
period, falling in the 8th house from the Moon.

It was in her Rāhu period that she became a successful fashion designer.
Rāhu gives the results strongly of the 4-5 rāja yoga formed by the mutual
aspect between her bright, full Moon and the Sun, activating the Sun’s
wealth-giving potential as well.

Athina Onassis is a French-Greek heiress and equestrian, the only surviving

descendant of Greek shipping magnate Aristotle Onassis, and the only child
of Aristotle’s daughter Christina Onassis. The extent of her wealth is
unknown but is estimated to be at least a billion dollars.

She was born in her Venus major period, an exalted 1st and 8th lord with the
2nd lord Mars. She would have come of age in her Sun period, her 11th lord
forming a dhana yoga with a vargottama 9th lord Mercury. Saturn, her
yogakāraka 5th lord, is in the 2nd house, giving another dhana yoga.

It is interesting to note that it was in her Venus period as a teenager when she
began her career as an equestrian, winning competitions. Her Venus-Mars
combination is also a success-giving rāja yoga in the 6th house of
competition.
This is the birth chart and navāṃśa of an American billionaire heiress. In
2007 following the death of her mother, Parry-Okeden inherited 25% of Cox
Enterprises. Her wealth as of 2019 was estimated at $9.3 billion.

The centerpiece of her dhana yogas is the 5th lord Venus very close to its
extreme degree of exaltation in a mutual glance with the 11th lord, Mars.
Mars’ great source of strength is its exchange with Mercury and its exalted
condition in D-9.

Other dhana yogas in her birth chart include the 1st lord Mercury in the 11th
house, strong because of the parivartana yoga with Mars, and the 2nd lord
Moon in the 1st house, vargottama and aspected by a strong Jupiter in
Aquarius.

The 9th lord and 8th lord Saturn aspects onto its own 9th house and is also in
a mutual glance with the benefic, Jupiter. Since Mercury and Venus are two
natural benefics falling in the 11th and 10th houses, respectively, from both
the birth lagna and the Moon, this gives a partial Vasumati Yoga.

Her inheritance came in her Venus-Rāhu period, activating the high-quality

dhana yoga in which this very exalted benefic is configured.
I was very intrigued when I discovered online the accurate birth data of
Jennifer Gates, the daughter of Bill and Melinda Gates. I wondered what the
birth chart of a daughter of one of the richest men in history would look like.
Before reading further see if you can identify the wealth-giving elements of
her horoscope.

• The two wealth-giving benefics, Jupiter and Venus, are both well-
placed and svakṣetra.

• Venus, the ruler of the 2nd and 9th houses, is in the 9th house with the
lagna lord, Mercury, forming an excellent dhana yoga, and she was
born in the Mercury mahādaśā. Mercury’s source of strength comes
from its exchange in D-9 with Saturn, the 5th lord of the birth chart.
Of course, one indication of the 9th house is father.

• The Moon, waxing and more than half bright, is the 11th lord in the
11th house.

• The 5th lord Saturn is well placed in an angle and gets directional
strength in the 7th house.
 • While not configured in any dhana yoga per se from the birth lagna,
the 8th lord of inheritances, Mars, is in its mūlatrikoṇa sign and
vargottama as the 8th lord in the 8th house with an exalted Sun. From
the Moon this is a combination of the 2nd lord with the 5th lord.

I have never seen a birth chart that so obviously shows the potential for
wealth through inheritance as that of Gillian Hearst-Shaw, daughter of Patty
Hearst, herself an heiress, who was the granddaughter of publishing
magnate, William Randolph Hearst. The 1st, 9th, and 11th lords are in the 8th
house with the 8th lord.

Since her birth in the Venus major period, she has been running consecutive
daśās of these planets in the 8th house. Now in her mid-thirties, she moved
into her major period of Rāhu, who is in the 11th house and giving the results
of the Moon.

All the souls born into the British royal family acquire their wealth as a
result of their birth and at some point, inherit substantial wealth.
Above is the chart of the oldest son of Prince William of England and his
wife, Kate. With the 2nd and 5th lord Jupiter in the 8th house with the 11th and
8th lord Mercury, along with the lagna lord, his horoscope clearing shows
the potential for great wealth through inheritance.
Abigail Folger, heiress to the Folger Coffee fortune, also has a dhana yoga
involving her lagna lord in the 8th house. Her exalted 1st lord Jupiter is
actually in a 1-8 exchange with the 8th lord Moon, and its conjunction with
the Sun is a 1-9 combination.

Unfortunately, in her case this patterning also produces a severe ariṣṭa yoga
since the lagna/lagna lord additionally have the influence of all the worst
natural malefics:

• 1st lord Jupiter is with Rāhu and aspected by a strong Mars.

• 1st house has the aspect of the natural malefic Saturn, who is also a
māraka 2nd lord. Notice how close in degrees is the aspect of Saturn
to the degree of the lagna.

On August 9th of 1969 she was stabbed to death by members of the infamous
Mason family along with actress, Sharon Tate, whose house she was staying
in at the time. It was in her Sun-Sun-Mercury period.

On a happier note see the birth chart of Princess Caroline of Monaco who
both inherited a fortune and married one. Can you spot the excellent dhana
yogas in her chart?
The 5th lord Mercury, who is also the 8th lord of inheritances, is conjunct the
9th lord and yogakāraka Venus in the 11th house. Moreover, Mercury is in a
parivartana yoga with the 2nd and 11th lord Jupiter in the 8th house.

Both Jupiter and Mercury are well dignified in her navāṃśa and Venus is
nīcabhaṅga.
The chart shown above is that of an Indian woman who was born into an
extremely wealthy family in her Mercury major period. She was the sole heir
of her parents and when they passed away, she inherited a fortune worth $3
billion.

The signature dhana yoga in her chart is the exchange between Mercury and
Jupiter, the 2nd and 11th lords, with Jupiter also as the 8th lord of inheritances
aspecting its own 8th house. The lagna lord Venus goes to the 11th house
with Mercury in its exaltation sign, Pisces, effectively cancelling Mercury’s
debilitation.

In her navāṃśa Mercury returns the favor.

Many more examples could be shown, but let these 12 suffice to illustrate
the astrology of inherited wealth.
As a teacher, K.N. Rao has been by far the primary influence on my
approach to Jyotiṣa. However, I have also made a close study of the work of
another Indian astrologer, Seshadri Iyer, who advocated some unique and
original methods for assessing the wealth potentials of a birth chart that I
have incorporated into my practice. He made use of the yogi point, the yogi
and the duplicate yogi in this way. In order to understand what these are one
must first understand elements of the Pañcāṅga.

The Pañcāṅga
Pañcāṅga is a Sanskrit word which literally means “having five limbs.” In a
general sense, the word refers to an almanac which follows traditional units
of Vedic timekeeping, and presents important dates and their calculations in
a tabulated form. With respect to Jyotiṣa, the term refers specifically to five
attributes of the day which are as follows:

Tithis
A tithi is a lunar day, or the time it takes for the longitudinal angle between
the Moon and the Sun to increase by 12 degrees. In other words, a tithi is a
time-duration between the consecutive epochs that correspond to when the
longitudinal-angle between the sun and moon is an integer multiple of 12
degrees. Tithis begin at varying times of day and vary in duration from
approximately 19 hours to approximately 26 hours. There are 30 tithis, or
phases of the Moon each lunar month: 15 when the Moon is waxing and 15
when waning.

The 1st through the 14th tithis of the waxing and waning Moon are known
by the

Sanskrit names of their ordinal numbers, and are differentiated by the terms
śukla pakṣa (bright half) and kṛṣṇa pakṣa (dark half). The 15th phases of the
waxing and waning cycles have their own distinct names, which are pūrṇimā
for the full Moon and amāvasyā for the new Moon

See these in a table:

Bright Half (Śukla Pakṣa) Dark Half (Kṛṣṇa Pakṣa)

1. Pratipat 16. Pratipat
2. Dvitiya 17. Dvitiya
3. Tritiya 18. Tritiya
4. Chaturthi 19. Chaturthi
5. Panchami 20. Panchami
6. Shashti 21. Shashti
7. Saptami 22. Saptami
8. Ashtami 23. Ashtami
9. Navami 24. Navami
10. Dashami 25. Dashami
11. Ekadashi 26. Ekadashi
12. Dvadashi 27. Dvadashi
13. Trayodashi 28. Trayodashi
14. Chaturdashi 29. Chaturdashi
15. Purnima 30. Amavasya

Karaṇas

A karaṇa is one half a tithi and therefore there are 60 of these equal to 6
degrees each.

Vāras
The seven weekdays

Nakṣatras
These, of course, are the familiar 27 lunar mansions defined by the average
daily motion of the Moon of 13 degrees 20 minutes.

Solar-Lunar Yogas
Like the nakṣatras, these yogas are 27 in number, equal to 13 degrees 20
minutes each, and are calculated by adding together the degree positions of
the Sun and the Moon. It can be seen that tithis and yogas pertain to and are
defined by the solar-lunar relationship at any moment in time, the former
being derived from subtracting their positions and the later from adding
them.

In my chart, for example, the Sun is at 4 degrees 52 minutes of Aries while

the Moon is at 25 degrees 51 minutes of Leo. Going forward in the Zodiac
and adding all the intervening degrees between these two points gives 150
degrees and 3 minutes. Converting this to all minutes by multiplying by 60
gives 9,003. Since a yoga, like a nakṣatra, is 13 degrees 20 minutes,
converting this to all minutes gives 800. The solar-lunar yoga at the time of
my birth is then derived by dividing 9,003 by 800, dropping the remainder
and adding 1.

9003 divided by 800 = 11.25

11 + 1 = 12

Like everything in Jyotiṣa, each of the 27 solar-lunar yogas has a Sanskrit

name, and the one for the 12th solar-lunar yoga is Dhruva.

Of course, our astrological software gives all this information in an instant,

but I deem it important that students of this science understand what these
elements of a birth chart actually are and how they are derived. In the lower
right corner of the following screenshot, you will see a box entitled
“Panchanga & Yogi”. Here you will see that my yoga is identified as the
Dhruva, the 12th, as calculated above.
Below is a table giving the names of each of the 27 solar-lunar yogas, and
most importantly for our purposes here, the associated nakṣatra and the
planet ruling that nakṣatra, which then becomes the “yogi” planet. An
“enemy” or counterpoint to this yogi planet is known as the avayogi, which
is included here as well.
Fortunately, our software programs give us all this data and therefore, one
need not memorize it. Refer back to the screen shot above in the
“Panchānga” box, and you will see that it is all there. My yogi point is
identified as being 4 degrees 4 minutes of Sagittarius. Since it falls in Mula
nakṣatra ruled by Ketu, Ketu becomes the yogi for my chart, and Rahu the
avayogi.

One additional item not given in the above table is the “duplicate yogi”. This
is the lord of the sign where the yogi point falls. You will see that in my case,
Jupiter becomes the duplicate yogi because my yogi point is in Sagittarius.

Having defined these terms, we can now proceed to the issue of how they are
to be used interpretively, according to Iyer, as an additional means for
assessing prosperity potentials in a birth chart.

The General Theory

The basic concept is that the yogi point, the yogi planet, and, to a lesser
degree, the duplicate yogi of a birth chart can all contribute to material
prosperity, whereas the avayogi can obstruct this.

This general theory can be applied more particularly in a set of interpretive

principles that are defined and illustrated in the remainder of this article.
However, before doing so, I must acknowledge that these are not in any way
original to me, but are principles taught by present-day proponents of Iyer’s
methods, such as Hart de Fouw, as well as his students, like Penny Farrow.
Neither am I presenting here the whole of the theory, but only that portion of
it that I have researched and which I now utilize.

First Interpretive Principle

If the degree of the lagna is in the yogi’s nakṣatra, the person will be
predisposed towards material prosperity. This will be more marked if the
yogi is strong and favorably placed for good results.

One of the more outstanding examples of this that I have come across is in
the chart of King George VI of England, the father of the current Queen,
Elizabeth II. He ascended to the throne when his older brother abdicated.
His lagna degree is 4-44 Libra, whereas his yogi point is 5-17 of Libra.
Thus, they both fall in Mars’ nakṣatra, Chitra. Mars could hardly be better
situated for giving wealth, as it is the lord of the 2nd in its own 2nd house
with both the 9th lord Mercury and 11th lord Sun, giving an exceptional
dhana yoga combination. Note that the duplicate yogi, Venus, is also strong,
very well placed and forms dhana yoga with Saturn.

The most successful Hollywood movie stars make absurd amounts of

money, and this has been true for “Iron Man”, Robert Downey Jr., whose
estimated net worth is $350 million. His degree of lagna could hardly be
closer to the yogi point, as they are only separated by three minutes. Falling
in Ashlesha nakṣatra, this makes Mercury his yogi planet. His Mercury is in
the 9th house of fortune, vargottama, and obtaining nīcabhaṅga raja yoga
by virtue of its conjunction with an exalted Venus. It is therefore connected
to the very wealth-giving exchange in his chart between the 9th lord Jupiter
and the 11th lord Venus, creating what I would call an approximate Lakṣmī
Yoga. Much of his extreme wealth has come in his Jupiter period which he
has been running since 2007.
His duplicate yogi is the lagna lord Moon, strongly placed in the 10th house
and the focal point of a very strong Śubha Durudhara Yoga (benefic
hemming of Moon).

Recording artist and sometime movie star, Dolly Parton, is among the richest
of her peers with a fortune of $500 million.
Both her ascending degree and yogi point fall in Purva Phalguni ruled by
Venus. The yogi planet Venus and the duplicate yogi, Sun, are conjunct;
giving rise to another, interpretive principle that will be discussed later in
this article. Together, they don’t form any dhana yoga per se, but then see
the very close kendra sambandha with the 5th lord Jupiter and the aspect
from the 9th lord and yogakāraka planet, Mars.

Still performing at age 70, she added $19 million to her fortune as recently
as 2016 while running her Jupiter mahādaśā.

Like Dolly Parton, Doris Day was hugely successful both as a recording
artist and movie star, though in a different era.

Her chart presents an interesting case in which her yogi point at 28-14 of Leo
is in the same nakṣatra, Uttara Phalguni, as her lagna degree at 2-48 of
Virgo, but they are in different signs. The result is that the Sun is both her
yogi and duplicate yogi. Her net worth is $200 million.

Discussion

These four charts of extremely wealthy individuals certainly appear to

substantiate this first interpretive principle. However, it cannot be presumed
from this that the yogi point falling in the same nakṣatra as the ascending
degree will by itself make a person wealthy, or even just prosperous. In all of
these charts there are significant dhana yogas, and both the yogi and
duplicate yogi are well placed, strong, and connected to these dhana yogas.

Second Interpretive Principle

The yogi planet situated in the lagna contributes to the prosperity potentials
in a birth chart. This will be especially true if it has a source of strength and
is participating in dhana yogas.

The chart of movie star, Paul Newman, exhibits this condition in total.

His yogi point is 25-23 of Aquarius in Purva Bhadra ruled by Jupiter. Jupiter
is his lagna lord in the lagna and with the 11th lord, Venus, who is svakṣetra
in D-9, thus forming a superior dhana yoga from both the birth lagna and
the Moon. His duplicate yogi is Saturn, an exalted 2nd lord in the 11th, and
his initial wealth came in his Saturn major period. The estimated net worth
of his estate at his passing was $600 million.

Third Interpretive Principle

If the yogi planet is the lord of the lagna, this also contributes to good
prosperity potentials in a birth chart, though to a somewhat lesser degree
than having the yogi planet in the lagna. This will be particularly true if this
lagna lord is strong, well placed, and participating in good yogas.

Tom Brokaw was a prominent TV journalist most known for being the lead
anchor and managing editor of NBC Nightly News from 1982 to 2004. As a
result, he amassed a fortune worth $80 million.

His yogi point at 28-47 of Capricorn falls in Dhanishta ruled by Mars. His
Mars is vargottama and configured in Mahārāja Yoga which is also dhana
yoga, being the lagna lord in the 5th with the 5th lord Jupiter. His wealth
came primarily in his Jupiter major period, but has continued in Saturn, his
vargottama duplicate yogi, forming the peculiar rāja yoga that debilitated
planets in dussthānas can give when the lagna lord is strong.
Wynonna Judd is an American county western singer, who along with her
mother, Naomi, formed the singing duo The Judds. As a result of their very
successful recording and performing careers she has amassed a personal
fortune of $20 million.

Her yogi point at 20-26 of Taurus falls in Rohini, ruled by the Moon, who is
her lagna lord. It is reasonably bright, well-placed in an angle, and aspecting
back onto the ascendant. It is also a part of an excellent Gaja Kesarī Yoga
that includes the good dhana yoga brought about by the conjunction of the
9th lord Jupiter with the svakṣetra 5th lord and yogakāraka, Mars. Her initial
success and resulting wealth came in her Mars major period.

American Warren Buffet is considered one of the most successful investors

in the world, amassing a fortune worth $82 billion as of this date (April
2019), making him currently the third richest person in the world.
Notice how his 1st lord Jupiter is conjunct the 5th lord of investments, Mars,
and both are in a mutual aspect with the 2nd lord, Saturn. Mars and Jupiter
are in a parivartana yoga in his D-9, giving both grahas a good source of
strength. All of these dhana yoga-forming house lords are in a kendra
sambandha with a varottama 11th lord Venus, who is forming nīcabhaṅga
rāja yoga with an exalted 10th lord Mercury in the 10th house. In addition,
the 9th lord, Sun, is svakṣetra and vargottama. The main point here is that
his dhana yoga-forming lagna lord, Jupiter, is his yogi, and a very exalted
Mercury is his duplicate yogi.

Now see the birth chart of golfing legend, Jack Nicklaus. Do you notice the
similarity to the chart of Tom Brokaw? They were born 10 days apart and
have the same lagna, such that they both have powerful rāja and dhana
yogas formed by the 1st lord Mars and the 5th lord Jupiter in the 5th house.
Like Brokaw, his yogi point at 29-23 of Taurus falls in a Mars-ruled
nakṣatra, such that his lagna lord becomes the yogi planet. Much of his
wealth came in his Jupiter mahādaśā.
Fourth Interpretive Principle

When the yogi and duplicate yogi planets are connected (sambandha), they
can create a very powerful prosperity-giving combination. This will be
especially true if they are strong, well placed, and forming or participating
in favorable yogas, particularly dhana yogas.

This principle intrigued me the most because, if valid, it amounts to a type of

dhana yoga that might not be otherwise recognized in a birth chart. I have
chosen then to give many more examples of this principle, beginning with
Queen Elizabeth of England, whose net worth is $350 million. This puts her
in the ranks of the wealthiest women in the world. Interestingly, her yogi
planet, Jupiter, is in its debilitation sign like that of Bill Gates, whose yogi is
the Sun in Libra, but also like his, it is giving nīcabhaṅga rāja yoga. Hers
participates in Gaja Kesarī Yoga as well. Moreover, it is conjunct Mars, who
is her duplicate yogi, a graha in extreme exaltation, and forming a very
superior dhana yoga by virtue of a 1-11 parivartana yoga with the lagna
lord Saturn, in addition to a Chandra-Maṅgala Yoga. Notice also that this
lagna lord, Saturn, is falling at almost the exact yogi point, 0-4 of Scorpio.
She became the Queen of England in her Venus-Mars period.

Boxing legend, George Foreman, a two-time heavyweight champion, won

his first fortune in the ring, but has gone on to be a hugely successful
business entrepreneur. His current net worth is $300 million.
His yogi is a vargottama lagna lord Sun (another example of the 3rd
principle!) and it forms a1-5 rāja/dhana yoga with a svakṣetra 5th lord
Jupiter in the 5th house. But these two grahas are also joined by the natural
benefic Venus as the duplicate yogi. He profited greatly from being the
oldest man to win the heavyweight crown at age 45 in his Jupiter-Venus
period.

Hugh Hefner, “Mr. Playboy”, was known for his opulent, free-spending, and
hedonistic life-style. Though greater at other times in his life, his net worth
was $43 million when he died in September 2017. His yogi, the Moon, and
his duplicate yogi, Venus are together as the 11th, 2nd, and 9th lords forming a
dhana yoga. Together they appear to be a fitting symbol for the main source
of his wealth, which was mostly from nude photographs of young, beautiful
women in his famous magazine.

Before there was Amitabh Bachchan, there was Rajesh Khanna as the
leading man of Bollywood, and as a result he amassed a fortune worth $65
million.
Venus and the Sun are together in an angle as the yogi and duplicate yogi of
his birth chart, with the Sun svakṣetra in D-9. They are connected to a rather
rare PuṣkalaYoga, and the 1-7 rāja yoga exchange between Mercury and
Jupiter. Venus, the yogi, forms its own 1-5 rāja/dhana yoga with Mercury.
See these planets and the combinations they form from Chandra lagna, Leo.
His wealth came in Rahu, giving the results of the Sun, and in the
subsequent Jupiter mahādaśā.

When actress Carrie Fisher first played the role of Princess Leia in the
movie, Star Wars, she and the other cast members became a cultural
phenomena. As a result, they all got very wealthy when their salaries and
percentage of profits significantly increased for the two sequels, The Empire
Strikes Back and Return of the Jedi. It was mostly from these films that she
ended up with a net worth of $25 million.
This wealth first came in the Rahu major period and particularly in Rahu-
Saturn, coinciding with Return of the Jedi in 1983, when the Star Wars
phenomenon was at a peak. Rahu is her yogi and Saturn is the duplicate
yogi. They are conjunct in the 11th house of gains, with Saturn forming a
powerful dhana yoga by virtue of the 2-11 exchange with Mars, and with
Rahu giving this result, only in a more powerful way (prabalau).
Additonally, these two grahas are in a kendra sambandha with the two
benefics, Jupiter and Venus in Leo, with Venus as the 5th lord and
yogakāraka planet.

Recording artist and movie star, Whitney Houston, became very wealthy in
her Venus period, the yogakāraka of her Aquarius lagna chart. Her yogi
planet, Jupiter, is well positioned to give wealth since it is the 2nd and 11th
lord svakṣetra in the 2nd house and forming a Kesarī Yoga. But see that it
also aspecting Venus, who is her duplicate yogi. Her Venus-Jupiter period
coincided with some of her greatest success and therefore was one of her
best financially. She had a net worth of $20 million.
As one of the greatest hockey players of all time, Wayne Gretzy accumulated
a fortune of $200 million during his playing career. His yogi planet, Mars,
and duplicate yogi, Mercury, are also connected through one-way aspect.
Note that they are the 11th and 9th lords of his birth chart.

An exchange of signs is the strongest way two planets can be connected and
in the chart of former Indian world chess champion, Vishwanathan Anand,
his 2nd lord Mars goes to the 5th house in an exchange with the 5th lord and
yogakāraka planet, Saturn. They are his yogi and duplicate yogi planets.

At the very beginning of his Mars period he became world champion,

winning millions in prize money.

When Bill Russell was a dominant force in professional basketball in the

1960s, star athletes were not paid the vast sums they are in the present age,
but they were certainly quite prosperous by the standards of that time.
His career and consequent high earnings coincided with his Rahu major
period, his yogi planet exactly conjunct his duplicate yogi, Saturn. Saturn is
the 9th lord and yogakāraka in the 9th house conjunct the 1st lord Venus,
giving 1-9 dhana/ rāja yogas and a 1-10 rāja yoga. The Rahu major period
gave the results of this very powerfully.

Discussion

We have now seen nine examples of charts where the yogi and duplicate
yogi are linked and therefore, according to Iyer’s theory, form a powerful
prosperity-giving combination. All of these individuals did, in fact, become
fabulously wealthly, and more often than not, it happened when they ran
such periods.

However, it must also be seen that in all of these cases these planets showed
the potential for giving great wealth in other ways by their placement,
condition, and involvement in very favorable yogas, particulary dhana
yogas. In other words, wealth could have been predicted without factoring in
the concepts of yogi and duplicate yogi. Yet these examples certainly appear
to support the notion that wealth-giving potentials of planets are significantly
enhanced by being the yogi and duplicate yogi, although there is no way of
actually measuring to what degree.
I should also mention that Iyer and those who teach his interpretive
principles may not sanction sambandha by one-way aspect between the yogi
and duplicate yogi like in the charts of Whitney Houston and Wayne
Gretsky, but I chose to include these here as examples of the fourth principle
since that connection in their charts does appear significant to me.

All of these examples are of extreme wealth, which is rare, and they are not
the type of charts that consulting astrologers encounter in their daily
practice. Of course, in researching the validity of these interpretive
principles, I did not confine myself to such charts, and in this next segment
of the article I will show their application in those of individuals enjoying a
much more ordinary level of prosperity.

More Ordinary Prosperity

This chart belongs to a woman who grew up in an affluent family in her
Rahu major period, married a doctor who earned very well, and when she
divorced, got a good settlement. In the past 10 years that I have known her,
she has been financially independent, doesn’t have to work, and lives quite
comfortably. Do you see the dhana yogas in her chart?

One comes about by the conjunction of the 11th lord Moon with the 5th lord
Saturn svakṣetra in the 5th house, and she has been running her Saturn major
period since 2008. Her yogi is a varogottama Rahu well placed in the 10th
house in its mūlatrikoṇa sign.

It is in a kendra sambandha with its nakṣatra lord, a svakṣetra Jupiter. It

gives the results of its sign lord, Mercury, who as the 1st lord in the 9th with
a svakṣetra 9th lord Venus, forms dhana yoga.
Here is another case of grahas that show the potential for giving affluence
getting additionally enhanced this way by being yogi and duplicate yogi.

This is the chart of a friend of mine who grew up as the son of an affluent
Wall Street stock broker and enjoyed a life style which included attending
the best private schools and a vacation home on Fire Island. This was in his
Jupiter and Saturn major periods. He has gone on to earn very well, himself,
especially in his Ketu and Venus periods. All of these grahas are well
positioned for giving affluence. Focus particularly on Rahu, in the 5th house
and aspected by the 9th lord Venus, while disposited by a vargottama exalted
Saturn in the 2nd house, who is aspected by Jupiter. Rahu is his yogi and
Saturn is his duplicate yogi.

The chart below is that of his wife, who also grew up in affluent
circumstances in her Ketu and Venus major periods. Ketu gives the results of
the Sun, the exalted 9th lord conjunct a svakṣetra 5th lord Mars in the 5th
house. Her husband has earned well, up to half million one year, and
Mercury is her yogi planet, ruling the 7th house and conjunct the dhana
yoga-forming planets in the 5th house. These good earning by her spouse
were particularly strong in her Sun and Mars periods.

Her duplicate yogi is the Moon, positioned to give wealth through inherited
property as the 8th lord in the 4th house with a svakṣetra 4th lord Jupiter. It
has done this in her Rahu major period, with Rahu in Jupiter’s nakṣatra (See
my article Udu’s Clue).

Below is the chart of a woman acquintance of mine who also grew up in an

affluent family, has had a trust fund, and is now financially independent. She
is currently running the major period of Venus, a very well placed
yogakāraka.
Her adolescence and early adulthood coincided with her Saturn major
period, who is conjunct Mars, and they are the yogi and duplicate yogi of her
chart. Mars is giving nīcabhaṅga rāja yoga, while Saturn is getting
directional strength and is also svakṣetra in D-9.

These two malefics together in the 7th house speak to her very unfavorable
experience in marriage, but together they do form dhana yoga as the 1st and
2nd lord together with the 11th lord.
Shown above is the chart of a prosperous friend of mine who has made a
very good living as a personal injury lawyer. His yogi is Ketu, giving the
results of the rāja/dhana yogas formed by Venus and Mercury from both the
birth lagna and the Moon. His duplicate yogi, Sun, is in the 11th house of
gains and connected to the Candra-Maṅgala Yoga, which includes a
perfectly full 11th lord Moon in the 5th house.

These five examples of ordinarily affluent individuals also support Iyer’s

theory regarding these “prosperity points”, but again I need to emphasize
that in each case these planets did not give affluence based on this status
alone, but also because of their over-all condition and disposition in the
chart, especially when they are involved/connected to favorable yogas that
also give affluence.

Of course, the opposite side of the equation would be instances in which the
yogi or the duplicate yogi are not in a good placement/condition and
involved in daridra yogas, or combinations for penury.

See the following chart:

It belongs to the most impoverished individual that I have known personally.
Planets in her chart that could give affluence like the 1st and 2nd lord Saturn
the 11th lord Mars and the 9th lord Mercury are all placed along the 6-9 axis
in no special conditon. Mars is her yogi. In Saturn-Mars she was so poor as
to be homeless. Her duplicate yogi, Venus, would be capable of giving
affluence as the 5th lord and yogakāraka planet in the 2nd house, but she
will never run this period in her life unless she lives to the age of 91.

Predicting Affluence with the Yogi and Duplicate Yogi

The simplest and most straightforward approach to using these principles
predictively is by their dynamic expression through daśā, which is to say
when a person runs the periods or sub-periods of such planets. However, I
would not recommend predicting prosperity in such periods just on this
basis. If however, like in the many examples seen already, the yogi or
duplicate yogi have other qualifications for giving good financial results,
then this adds a confluence that makes the prediction more certain. Such was
the case when I was asked to predict on the chart shown above a few years
back.

This man moved into his Venus major period in January 2016, and it is not
difficult to see that it has the potential of giving wealth. For anyone with
Scorpio lagna the Moon-Jupiter combination, besides giving Kesarī Yoga, is
potentially wealth-giving since it involves the 5th and 9th lords. This will be
especially true when these planets fall along the 5-11 axis as they do here.

In this way, his chart reminded me of Kim Kardashian’s, whose net worth is
currently $350 million. Also note that Ketu is her yogi, giving the results of
Saturn, Jupiter is her duplicate yogi, and she is now running her Ketu major
period.
In the chart of my client, Jupiter is his yogi and the Moon is his duplicate
yogi connected through mutual aspect. Venus, the major period lord, is in its
exaltation sign and joins this combination as an impressionable 12th lord of
his chart, giving their results. Could the wealth potentials of this period be
more obvious?

He is one of the founders of a software company that has been rapidly

expanding internationally and will go public at some point. His ownership
position there has already enriched him, but could make him very wealthly. I
have predicted it, and now it remains to be seen. He will run Venus-Moon
starting in May of 2022.

More Examples
I will now, in rapid succession and with minimal commentary, show more
charts of famous people who got very rich, either in the major period of the
yogi or of the duplicate yogi.

At age 22, Bollywood legend, Amitabh Bachchan, moved into his Saturn
major period, during which he became the most popular actor on the planet,
idolized by millions of Indians. As it typically does, his great stardom
brought great wealth.
Saturn is his lagna lord, well placed in an angle, and the yogakāraka planet
from the Candra lagna. It is also his yogi planet. Only by employing the
concept of trikoṇa sambandha does it form any dhana yoga combinations
with the 9th lord Venus and the 5th lord Mercury.

Even a first-year student of Jyotiṣa should have been able to predict great
wealth for American TV star, Phylicia Rashad, in her Venus mahādaśā.
During this time she amassed a net worth of $55 million.
Venus is configured in some of the best dhana yogas possible for her
Aquarius ascendant, but it is also her yogi planet.

Billy Graham is the most success evangelist of all time, and his preaching
made him a fortune worth $25 million. His wealth began to accumulate first
in the Moon period, followed by Mars. For his Pisces lagna, these grahas
are a combination of the 5th and 9th lords in the 10th house in a mutual
glance with the 1st and 10th lord, Jupiter, forming powerful rāja/ dhana
yogas.

Mars is particularly noteworthy here, as it is the 9th lord of fortune getting

directional strength. It is also his yogi planet.

Ross Perot is an American entrepreneur who became a billionaire. A good

portion of that fortune came in his Ketu major period, the yogi planet of his
birth chart. Can you see why?
Ketu is in the 5th house giving the results of four planets:
1. Its sign lord Venus, the 5th lord in the 2nd house giving dhana
yoga.
2. The 11th lord, Mars in the 11th house aspecting Ketu.
3. Rahu, its nakṣatra lord, is in the 11th with the 11th lord.
4. Jupiter, getting directional strength, aspects Ketu as the duplicate
yogi.

His chart is another example of a yogi and duplicate yogi who are
sambandha.

Actor Johnny Depp first gained stardom and affluence in his Moon period
for his role in the popular TV drama, 21 Jump Street. It was his Moon-Venus
period.
These two grahas are his yogi and duplicate yogi, respectively, the later
giving dhana yoga as a svakṣetra 11th lord with the 2nd lord Sun.

These are five examples of a person getting very prosperous in the major
period of the yogi planet. I could show many more, but let these suffice to
make the point. I will now present five additional examples, this time of
wealth coming in the major period of the duplicate yogi.

Steve McQueen, Hollywood’s “King of Cool” became its highest paid

performer in his Jupiter-Venus period. Wealth in this period is quite
predicatable since these two grahas form a 9-11 dhana yoga by exchange in
his chart. The fact that Jupiter is his duplicate yogi and that Venus is with
Mercury, his yogi, adds to this picture.
The long reign of Catherine the Great of Russia included her 17-year
Mercury mahādaśā, during which she was among the richest monarchs of
Europe living an incredibly opulent lifestyle. Mercury is her duplicate yogi,
vargottama and in a 2-5 dhana yoga exchange with Jupiter. Her yogi is a
svakṣetra Mars, the 11th lord in the 11th house from the Moon.
As the most successful quarterback in the history of American football, Tom
Brady has amassed a personal fortune of $185 million. Ironically, this is not
even close to the $380 million accumulated by his supermodel wife, Gisele
Bundchen.

For Brady this has come mostly in his Venus major period, the duplicate
yogi of his chart participating in an excellent Gaja Kesarī Yoga, as well and
forming rāja yoga with Jupiter. His yogi is Mars, well placed in the 9th
house.
Gisele’s wealth has not come in the period of either her yogi or duplicate
yogi, but it is worth noting the hers are Venus and Mars, respectively, with
both having sources of strength in her chart. Her svakṣetra yogi being Venus
is especially interesting to note since her wealth has all come from the
beauty industry.

Gloria Vanderbuilt inherited a fortune, but then made one herself in the
fashion industry.
This experience of great wealth included her Moon mahādaśā starting at age
29, her yogi planet. The Moon in her chart is perfectly full and part of a
Kesarī Yoga involving the 9th lord Jupiter. It is also connected to the dhana
yoga brought about by the 5th lord Sun in the 11th. She first gained access to
her inhertied fortune towards the end of her Venus mahādaśā, an exalted 2nd
lord from the birth lagna, but falling in the 8th house of inheritance from the
Moon and aspected Jupiter, who is the 8th lord from this perspective.
The estimated net worth of Hollywood movie star, Denzel Washington, is
$220 million, with most of this coming in his Saturn major period. Great
wealth in this mahādaśā is readily predictable since Saturn is an exalted 5th
lord in the 2nd house with the 2nd and 9th lord Venus svakṣetra. Saturn is
also his duplicate yogi.

Conclusion
In this age of the internet there is so much information regarding Jyotiṣa
online with so many YouTube video presentations from so many teachers.
The problem with this in my opinion is that a lot of it is misinformation, or
information presented in a very rigid, dogmatic way, as if, for example, the
Moon in a certain house will always mean the same thing in any chart. New
students have no basis for discriminating which input is valid and which is
not. I encountered the same dilemma as a new student attending the first
Vedic astrology conferences in the U.S. in the early 1990s. I quickly
discovered after meeting K.N. Rao that the Amercians teaching at that time
had a rather low level of knowledge, with the exception of Hart de Fouw. I
came to realize the importance of limiting the different sources of input.

Even then, my inclination was always to test whatever I was learning on

charts that were different from those presented as examples by some teacher
or author. In doing so I came to trust what K.N. Rao taught because it was
mostly pure classcial Jyotiṣa right out of the śāstra and time tested in that
way, but also because his innovations were very well researched and tested
on hundreds of horoscopes.

I have taken the same approach with the work of Seshadri Iyer, someone I
never had the opporutnity to studying with personally, but of whose books I
have made a close study.

This chapter is a presentation and illustration of his use of the yogi and
duplicate yogi for assessing and timing prosperity potentials in a birth chart.
It is not meant to be a definitive treatment of the subject because I have not
presented the whole of his theories this way. In particular, I have not
discussed the avayogi point as an obstruction to prosperity. My purpose here
was only to show the main elements of his theory and by way of many
examples, to share my own testing of it. These days whenever I come across
some interpretive principle I neither blindly accept it nor reject it, rather I
tuck it away mentally and then look for opportunites to test it on charts that
come to my attention. I recommend the same approach to the reader.

My own conclusion is that the yogi and duplicate yogi are quite valid
interpretive concepts that add value to an assessment of prosperity potentials
in a chart, and under the right conditions can and should be used to predict.
Any book about the astrology of wealth would be incomplete without a
chapter on a special ascendant mentioned in the Sanskrit classics of Jyotiṣa for
assessing the wealth potential of a birth chart. It is called the Indu lagna with
Indu being a reference to the Moon, that graha that is the predominant factor
in its calculation. This is as follows:

The seven planets, the Sun through Saturn, are assigned the following point
values:

Sun 30
Moon 16
Mars 6
Mercury 8
Jupiter 10
Venus 12
Saturn 1

To calculate the Indu Lagna:

• Note the 9th lord from the lagna and 9th lord from the Moon
• Add the units contributed by these two lords
• Divide by 12 to remove multiples of 12
• Whatever is the remainder, count that many houses from the Moon
• If the remainder is zero count 12 from the Moon

That sign becomes the Indu lagna. Not a lot of information is given about how
then to interpret this lagna but there is a statement to the effect that an exalted
planet in the Indu lagna can indicate great wealth. See the birth chart of Bill
Gates again.
The 9th lord from his birth lagna is Saturn which has an assigned point total of
1. From his Moon in Pisces the 9th lord becomes Mars with 6 points. Adding
these together gives 7 and counting 7 houses from the Moon gives Virgo,
containing an exalted Mercury as the lord of his Indu lagna in this lagna.

From what I have been able to glean the most important factors to consider
with the Indu lagna are the planetary influences on this lagna by occupation or
aspect. The influence of exalted planets or strong benefics would be a major
plus for showing good wealth potentials. The over- all condition and
disposition of the Indu lagna lord, as well as the patterning of the planets from
there should also be considered. Note, for example, in the case of Bill Gates
that this 2nd house from the Indu lagna has Venus as the 2nd and 9th lord in the
2nd house conjunct an exalted Saturn as the 5th lord, forming a very superior
dhana yoga, and it was in his Venus major period when he became the richest
man in the world.

Whereas this is a rather impressive example regarding the Indu lagna showing
wealth potentials, I have not always found it working so dramatically.
Throughout this book I have shown the charts of a number of billionaires and
other extremely wealthy individuals. See some of these charts again, but this
time with the Indu lagna.

Like Bill Gates, the Indu lagna of J.P. Morgan does have the influence of an
exalted benefic, since Jupiter in Cancer aspects it. The lagna lord becomes an
exalted Saturn well placed and in a mutual glance with the 9th lord Mercury,
the latter strong by virtue of its placement in Gemini in D-9, with these two
grahas forming a 1-9 dhana yoga from this lagna. Venus is again an extremely
exalted yogakāraka.
In the chart of billionaire, Ross Perot, Cancer becomes the Indu lagna
containing the natural benefic Venus as the 11th lord in the 1st, and it was in his
Venus major period that he acquired much of his wealth. Otherwise, this chart
does not look that impressive for wealth. The lagna lord Moon does form
dhana yogas from this perspective, but is not well-placed housewise.
This Indu lagna chart of the richest man in France has the influence of two
natural benefics on the ascendant by aspect and a well-placed lagna lord in a
Gaja Kesarī Yoga. The dhana yogas formed along the 2-8 axis are also
impressive.

The Indu lagna chart of French fashion designer and business woman, Coco
Chanel, does appear to clearly reflect her wealth, with the two best benefics in
this lagna, with Jupiter both exalted and vargottama. The 2nd house is also
strong with its own lord.
Here is the Indu lagna chart of a women entrepreneur who became extremely
wealthy marketing cosmetics. An exalted Sun along with the benefic Mercury
aspect her Indu lagna as a combination of the 9th and 11th lords. The Indu
lagna lord is an exalted Venus.

The Indu lagna chart of Russian monarch, Catherine the Great, has Venus and
Jupiter in the ascendant with the latter strong by virtue of an exchange with its
sign lord, Mercury, who is strongly placed in the 10th with nīcabhaṅga. Saturn
is the 9th lord in the 9th house from this perspective. She was fabulously
wealthy in her Jupiter, Saturn and Mercury major periods.
An exalted Venus influences the Indu lagna of Athina Onassis by aspect along
with Jupiter who is also conjunct a well-placed Indu lagna lord, Mercury.
Movie star and lifestyle entrepreneur, Gwyneth Paltrow, has a current net
worth of around $100 million. Her Indu lagna contains a bright exalted Moon
made even stronger by an exchange with the lagna lord Venus. It is conjoined
the 9th lord Saturn. From her Indu lagna Mercury is the 2nd and 5th lord in the
5th house very near its extreme point of exaltation. The 11th lord, Jupiter, is
mūlatrikoṇa and aspecting on to the 2nd house from this perspective. Her
wealth has come in the Rāhu and Jupiter major periods.
Recording artist Katy Perry has a net worth in 2020 of $330 million. Her Indu
lagna chart features an exalted 1st and 2nd lord Saturn with the 9th lord
Mercury, while the 5th lord Venus is in the 11th house.

Judging just on the basis of these 10 birth charts of extremely wealthy people,
one might conclude that the Indu lagna is a highly reliable and valid method
for assessing wealth potentials in a birth chart. Moreover, I could show many
other examples like these. The problem is that I have also found any number of
instances where this is not the case.

Ted Turner is a multi-billionaire, but this not evident from his Indu lagna. In
the Indu lagna chart of another multi-billionaire, Rupert Murdoch, some
dhana yoga combinations form along the 2-8 axis and the lagna lord goes to
the 9th, but his extreme wealth is indicted much better from the birth lagna.
I will not belabor the point by showing other examples, but let these suffice to
illustrate why I do not use the Indu lagna as a “stand alone” method for
assessing wealth potentials. Rather, I use it as an additional tool. If both the
birth lagna and the Indu lagna agree this way then I take this as a
confirmation.

In an earlier chapter on natural benefics giving wealth I showed the birth chart
of film maker Steven Spielberg as an example, since in his current Venus
period he is worth $3.6 billion. His birth lagna and Indu lagna are both
Gemini with Venus in strength and configured in a superior dhana yoga.
In the chapter on inherited wealth I used the chart shown above of an Indian
woman who was born into extreme wealth and then inherited it. Both her Indu
lagna and Indu lagna lord have the influence of an exalted Venus. The Venus,
Mercury, Moon combination is that of the 1st, 2nd, 9th and 11th lords from this
perspective. From the birth lagna Venus is an exalted 1st lord in the 11th house
with the 2nd and 5th lord, Mercury.
Seeing this kind of confluence helps in making an accurate assessment of the
wealth-giving potentials of a birth chart.

Saturn and Venus in my own horoscope show some good financial potentials,
since from the birth lagna Saturn is the 5th lord in the 1st house aspected by a
strong Jupiter and Venus is the 2nd and 9th lord svakṣetra in the 9th house.
Based on this one could predict that the Saturn-Venus period would be very
good financially. This interpretation gets strengthened and confirmed when
you see that from the Indu lagna (Capricorn), Saturn becomes the 1st and 2nd
lord in the 9th while Venus is the yogakāraka 5th lord in the 5th house. It is not
surprising then that the three years of Saturn-Venus from mid-year 2016 to
2019 proved to be the most fortunate period of my life financially.
Those who have read my books and articles know that my approach to doing
Jyotiṣa is based almost entirely on the methods taught to me by Shri K.N.
Rao. I have joked with students that as a teacher I am but a pale imitation of
him. There is, however, one exception to this. When first learning Jyotiṣa in
the mid-1990s, I also spent some time in the classroom of Hart de Fouw,
someone whom I would rank as the next best teacher that I encountered as a
new student of this subject. Whereas K.N. Rao based his teaching primarily
on the Sanskrit classic, Bṛhat Pārāśara Horā Śāstra, Hart taught primarily
on the basis of Mantreswara’s Phaladīpikā. In that respect they both taught
pure classical Pārāśari Jyotiṣa with only some slight differences, such as the
exaltation/debilitation of the Moon’s Nodes, Rāhu and Ketu.

However, there was one major way in which they differed. When it came to
divisional charts, Shri Rao adhered strictly the 16 divisions given in
Pārāśara Horā, while Hart also utilized the so-called “Tājik” divisions
which are as follows:

Pañcāṃśa D-5
Ṣaṣṭāṃśā D-6
Aṣṭamāṃśā D-8
Lābhāṃśa D-11

I came to know that he did so, not surprisingly, because this is what his
teacher had taught, and that furthermore Hart’s teacher had been strongly
influenced this way by another Indian astrologer, H.R. Seshadri Iyer, who
made extensive use of these divisions. I only studied with Hart briefly so did
not really experiment with or pay much attention to these vargas, until I
came across a favorable reference to Iyer in one of K.N. Rao’s books where
he commented that he and Iyer were the only ones showing the use of
divisional charts other than the navāṃśa in B.V. Raman’s The Astrological
Magazine. This got my attention and led me to discover that Iyer had
authored two small books, New Techniques of Prediction - Parts One and
Two, which I subsequently purchased. In the second volume he lays out his
rather original and unique approach to using divisional charts. I tested some,
though not all, of his interpretive principles, found them working and
adopted these into my own practice.

Later when I began to write articles, I wrote about these interpretive

principles in one entitled “Intricate Patterns of Destiny” which is about
predicting with divisional charts, and then more recently in “By the Numbers
Benign” about the application of Saṅkhya Yogas in the vargas. Whereas I
make a passing reference to D-11 in this later article, I have not included the
use of these divisions in any of the instructional material that I have authored
to date. Why? Quite honestly, I have had my doubts about them, probably
born of the fact that they are not found in the Sanskrit classics I revere and
were not taught by K.N. Rao. He certainly was able to predict brilliantly
without them, so for a long time my feeling was, “Why complicate Jyotiṣa
even more?”

However, over the past decades, I found myself from time to time going
back to Iyer’s work, and the more I reviewed the case studies he presented to
support and validate his approach to using vargas, the more I respected him
as an astrological researcher. I saw in him something of a kindred spirit. He
also revered the classics but relied as well on his own experience and
observation on hundreds if not thousands of birth charts. For example, he
comments in his books about what a revelation it was for him to discover
that graha yogas, such as Gaja Kesarī, Śubha Kartarī, etc., “work” in the
vargas and that these can and should be applied there. Also, that planets in
the lagna of any divisional chart have a special ability to bring events related
to that varga when activated in the daśā sequence. I had also discovered
such things independently through my own experience and observations.

Slowly then I started to come around to the idea that I should seriously
consider incorporating these additional vargas into my approach to doing
Jyotiṣa, but not just because Iyer advocated this, but because I had tested
these divisional charts empirically on my own data and validated them for
myself. This book presents some of my findings with respect to one of these
vargas, D-11, which is referred to variously as the ekadaśāṃśa, the
rudrāṃśa, and the lābhāṃśa. In this book I shall use the last designation,
which literally means “that divisions having to do with gains (lābha).”
Among other things, Iyer used this division as an additional tool to see what
financial gains certain planetary periods could bring.

The Iyer D-11

Since it is Seshadri Iyer’s researches that I am testing, I shall let him speak
for himself. With regard to D-11, his first reference to it appears in Chapter
Three of New Techniques of Prediction - Part Two, which is on divisional
charts. He begins to mention it when actually discussing the daśāṃśa.
Writing about D-10 he states:

“This is a very important chart. All of us are desirous to know our

status quo. It has a span of three degrees. It is all about one’s
attainments by personal efforts, professional status and income
thereon, promotions, or demotions in the same profession not
affecting emoluments (salary) have to be read out from this chart,
while unearned income, easy money, windfalls in life, elevation to
higher status without one’s trial have to be read from D-11. All
promotions in the same post (position) effecting emoluments (salary)
have to be read out from D-11 and fresh posts (positions) from D-
10.”

He then goes on to discuss the lābhāṃśa itself:

“This is next in importance. For even if one’s profession and status

quo in not good, a happily situated D-11 will confer on the native
financial felicity tending his balance sheet towards profit side even
without the least exertion for the same, due to his past karma. The
formation of this chart is peculiar. In all rāśis start from Aries only
and in reverse order. Thus, you see that the sign Taurus goes without
a part as the last 11th part ends with Gemini.”

Iyer then adds this note:

“D-10 represents earned income, while D-11 represents unearned

income such as patrimony (inheritances), easy income, side income,
lottery, gambling etc.”
Before commenting further, I will clarify the very brief information given
here by Iyer regarding its calculation.

The division of a sign of 30 degrees by 11 results in 11 āṃśas or parts equal

to 2 degrees, 43 minutes as follows:
1. 00-00 to 2-43
2. 2-43 to 5-27
3. 5-27 to 8-10
4. 8-10 to 10-54
5. 10-54 to 13-48
6. 13-48 to 16-21
7. 16-21 to 19-5
8. 19-5 to 21-49
9. 21-49 to 24-32
10. 24-32 to 27-16
11. 27-16 to 30-00

Every graha in a birth chart will fall in one of these 11 parts, so the first step
in calculating this varga is to see which of these 11 parts a planet is in, as
well as the degree of the lagna. This would be true for any planet in any
sign. Then Iyer informs us that if the planet is in the first part (00-00 to 2-43)
then it will always go into Aries in the lābhāṃśa. All other parts fall in
reverse order of the Zodiac. So that if a planet is in the second part it would
go into Pisces, if it is in the third part then it would be placed in Aquarius
and so forth.

He comments that the calculation of this chart is “peculiar” because no

planet ever falls in Taurus, which is indeed rather strange. In the heading
above I have referred to this calculation of D-11 as the “Iyer-D11,” not
because Iyer invented it, but because this is what he used and advocated.
There are other versions. Thus, in the software that I use, Shri Jyoti Star,
there are two options for D-11, one referred to as “standard” and the other as
“Iyer”

I will now use the chart of Bill Gates to further illustrate how this version of
D-11 is derived from planetary positions in a birth chart.
• The degree of his ascendant is in the 10th of 11 parts of a sign, and
counting in reverse from Aries gives Cancer as his D-11 lagna.

• Sun is in the 5th of 11 parts of its sign and counting 5 signs in reverse
from Aries gives Sagittarius.

• Moon is in the 6th part so it goes into Scorpio.

• Mars is in the 7th part, and counting 7 signs in reverse from Aries
gives Libra.

• Mercury is in the 9th part so it goes into Leo in his D-11.

• Jupiter is in the 2nd part and therefore goes into its own sign, Pisces.

• Venus is in the 10th part, and counting 10 signs in reverse from Aries
places it in Cancer this varga.

• Saturn at 28-20 is in the 11th part, and counting in reverse from Aries
places it in Gemini.

• Rāhu is in the 10th part, placing it in Cancer.

Note: Since Rāhu-Ketu form an axis, when they appear together in a
divisional chart, the approach of K.N. Rao was to mentally place Ketu in the
sign opposite. I do not know what Iyer’s view on this was.

Here then is the Iyer D-11 of Bill Gates

Bill Gates first became the richest man in the world in his Venus major
period. In addition to the Lakṣmī Yoga in which Venus is configured in the
birth chart, I am sure that Iyer would point to its placement in the lagna of
D-11 with the additional influence of a svakṣetra Jupiter.

Parallels to Indications of the 11th House

It is apparent from Iyer’s brief comments on D-11 that its indications are
akin to those of the 11th house of the birth chart in the same way that D-10 is
related to the meaning of the 10th house, having to do with one’s position
and status in the world. In the Sanskrit classics the 11th house is specifically
referred to as “lābha bhāva,” meaning “house of gains,” and this division is
also called lābhāṃśa, or that division having to do with “gains.”

Iyer clarifies that these “gains” are especially those that can come to us
through little or no effort on our part such as those from inheritance, lottery
winnings, and gambling, which is why he uses the phrase “easy money.”
Since investing in the stock market and other forms of investment are
essentially a form of gambling, windfall gains from these would presumably
also be included, as would scholarships, grants, or money that someone just
gives you as in a donation.

Iyer’s Principles for Interpreting Divisional Charts

When I decided to test the validity of divisional charts not given in Pārāśara
Horā such as D-11 on the basis of Iyer’s researches, it seemed only
reasonable and fair to do so based on the interpretive principles he espouses.
In a rather concise way Iyer gives a number of principles for interpreting
vargas in Part Two of New Techniques of Prediction and then illustrates
these using sample charts.

The following are what I consider to be some of the most important

principles given there, which I have summarized based on my own
understanding:

• Begin by realizing that a particular divisional chart is an additional

and more detailed view of a particular area of life indicated in a more
general way by one of the houses of the birth chart. For example,
whereas all factors influencing the 7th house/7th lord of a birth chart
provide clues as to the person’s experience in spousal relationships,
D-9 supplements that view, and provides more detail, particularly
with respect to timing of events.

• In analyzing divisional charts, all the general elements of

interpretation, such as planetary dignities (exaltation, own sign, etc.),
aspects, hemming, directional strength, exchanges, yogas, and so
forth should be applied.

• Daśās will show timing, that is, what a particular period and sub-
period is likely to bring in so far as the area of life to which the
divisional chart pertains i.e., saptāṃśa for experiences with children,
daśāṃśa for career life and so forth.
 • Iyer emphasizes that the most important and necessary condition for
a planet to give beneficial effect in any divisional chart is its relative
placement from the lagna in that divisional chart. Here the well-
known classification of “good” and “bad” houses applies. Placement
in an angle house (1, 4, 7, 10,) or a trine house (1, 5, 9) is preferred,
while planets falling in 2 or 11 are more “neutral.” Placement in the
dussthāna houses (3, 6, 8, or 12) is not considered desirable.

Caution: Do not make a dogma of this statement but rather use it as a

general guideline. Planets in dussthānas can give good results also,
particularly if they are in exceptional conditions or with the influence of a
strong Jupiter or involved in śubha saṅkhya yogas.

The big issue with this principle is that it is completely dependent on the
lagna of a divisional chart being correct, which normally requires a very
accurate birth time. The D-11 being discussed here is 2 degrees, 43 minutes
of celestial longitude which equates to a little more than 10 minutes of clock
time. Sometimes even minor inaccuracies in a birth time can give an
incorrect lagna of some division, especially if the degree of the birth lagna is
near the edge of a division. Iyer puts great emphasis on a planet falling in a
good house in a division for it to give good results relative to that sphere of
life during its major period. But a question that haunts you in testing the
validity of this is whether you actually have a correct lagna for the division
and the finer the division the more this becomes a question mark.

• Planets placed in the lagna of any divisional chart have a special

ability to give the results of that division. This will be especially true
if that planet has a source of strength.

• The magnitude of the effect is to be judged by the strength of the

planet. The most powerful placements are:

1. Exaltation
2. Mūlatrikoṇa
3. Own Sign
4. Planets in exchange of signs
5. Vargottama
6. Directional Strength
With respect to vargottama position, this is normally understood with
reference to the navāṃśa position of a planet only. Here Iyer means that
whenever a planet occupies the same sign in any divisional chart that it
occupies in the birth chart, it can give its results very powerfully with respect
to the affairs of that division. I have found this to be very true.

• Nīcabhaṅga, or “cancellation of debility”, and nīcabhaṅga rāja yoga

apply to planets in divisional charts, not just in the birth chart. I have
also found this to be a very sound and reliable interpretive principle.

• All the general graha yogas such as Gaja Kesarī and so forth should
be seen in the divisional charts and their effects judged based on the
strength of the planets involved. They will give their results with
respect to the affairs of that division in the period and sub-period of
the constituent planets.

• The effects of a planet in a divisional chart get modified based on its

conjunction and aspect with other planets. Here the emphasis is on
the natural benefics and malefics, not the functional ones. For
example, the strong influence of Jupiter on a planet in a divisional
chart will significantly enhance its ability to bring beneficial effects,
even if it is placed in a “bad” house.

• One more important principle I’ve found working very well is that
the period and sub-period of two planets closely connected in a
divisional chart can prove highly significant for the affairs pertaining
to that division, frequently timing major events, especially if they
form significant yogas.
When investigating some new astrological interpretive concept, one
naturally uses one’s own chart as a first test.

By no means have I ever been a rich man, but I have been fortunate enough
to enjoy a good standard of living throughout my life. The most recent major
periods of Jupiter and Saturn have been particularly good this way,
especially Saturn-Venus. My own Iyer D-11 appears to indicate this well
when seen in unison with Jupiter and Saturn in the birth chart.

These two grahas are in a 1-2 exchange in this varga and Venus is in the 11th
house. In Saturn-Venus I received a substantial donation from a wealthy
patron to support the publication of 18 of my books.

When the D-11 was first being advocated to me by another student of Hart
de Fouw, I can recall her using some charts of famous people as examples.
Actor Christopher Reeves was cast by Hollywood in the role of Superman
and these movies were huge box offices successes, making him a rich man in
his Venus major period. As a svakṣetra 11th lord in a mutual glance with the
9th lord, Venus is configured in a good quality dhana yoga in the birth chart,
but it is also beautifully placed in its exaltation sign in the 9th house of his D-
11.

What is more of a test for this division are instances when a planet in the
birth chart does not show wealth-giving potentials but indicates this clearly
in this division.
Andy Murray earned a fortune of over $61 million as a top tennis
professional in his Venus major period. As the 10th lord in the 9th house of
the birth chart it gives a good rāja yoga showing his success and status but
not dhana yoga. Yet in D-11 it goes to its exaltation sign in an angle.
Saturn in the chart of Hollywood movie star, George Clooney, seems ill-
suited to give him enormous wind-fall gains, yet is was in Saturn-Saturn that
he and his partners sold their tequila brand for $700 million in cash with the
potential for another $300 million depending upon future sales.
In D-11 his Saturn is in the 5th house in its mūlatrikoṇa sign and if you take
lordships it is in a mutual glance with the 11th lord Sun and is conjunct the
2nd lord Mars.

After seeing such examples randomly, I decided to research the D-11 in a

more systematic way, starting with the charts of individuals who gained
great wealth without having to earn it.

D-11 and Lottery Winnings

There are few things that better fit the description of “easy money” or
“windfall gains” than lottery winnings, especially if they are quite
substantial as in cases where they involve winning many millions. In an
earlier chapter the birth charts of lottery winners were discussed, and the
reader may recall that the basic formula for having this karma is good
quality dhana yogas connected to the 8th house/8th lord and the 5th house/5th
lord, as well as their activation in the daśā sequence. Iyer’s contention is that
such lottery winnings can be predicted, or at least supported, on the basis of
D-11, so this chapter re-examines the charts of those lottery winners shown
in the previous chapter along with some additional ones, but just with
respect to their D-11.

The first charts of lottery winners that came to my attention were that of a
married couple who, on March 15, 1997, won the $20 million Rhode Island
lottery. See first the rāśi and lābhāṃśa of the wife.
The timing for her was Jupiter-Ketu-Mars, and all of these grahas are well
placed by house in her D-11, with the major period lord, Jupiter, having the
dignity of a Great Friend, and participating in a Gaja Kesarī Yoga. Jupiter
may give its aspect onto the sub-period lord, Ketu in the 11th.

This is not that dramatic a picture, but is consistent with Iyer’s principles for
these grahas giving good results relative to this division.
The daśā sequence for her husband was Rāhu-Jupiter-Rāhu. The major
period lord falling in the 8th with a svakṣetra Moon and the malefic Saturn in
D-11 would not be consistent with Iyer’s rules for giving such a result. But
then here comes the issue of the birth time being precisely accurate enough
to give a correct D-11 lagna. His time does come from a hospital record and
gives a 13-00 degree of Cancer birth lagna. The dividing line between the
5th and 6th lābhāṃśa is 13-48. Advance the time a few minutes and the D-11
lagna becomes Scorpio, putting Rāhu in the 9th with the 9th lord Moon
svakṣetra.

Included in the previous chapter on lottery winners was a Scottish couple

who on July 12, 2011 won 161 million pounds. There birth data also comes
from a written record.
For the wife the daśā sequence was Venus-Saturn-Saturn, and the position/
condition of these two grahas in her D-11 is striking.

The major period lord, Venus, is in the lagna. Though in its debilitation sign,
it gets the aspect of Jupiter, its exaltation lord, whose own debility gets
effectively cancelled by the parivartana yoga with Saturn. The sub-period
lord, Saturn, is well-placed in the 7th house where it gets dik bala and
therefore has two sources of strength. The period and sub-period lord are in a
mutual glance. It is not part of Iyer’s methods, but I am struck by the fact
that if you use house lordships, this combination of Venus, Saturn and Moon
along the 1-7 axis of her D-11 would be one between the 9th, 5th, and 11th
lords, which is to say quite the dhana yoga.
For her husband, Colin, the timing was Sun-Saturn-Rāhu. If this Capricorn
D-11 lagna is correct, the Sun is certainly very well placed in the lagna. The
sub-period lord, Saturn, is not, and it would be the lagna lord of this
division, though is gets the influence of the two best benefics.

If the birth time was backed up a few minutes to give an Aquarius D-11
lagna then the situation would be reversed, with the major period lord, Sun,
poorly placed in the 12th, and Saturn as the lagna lord again, very well place
in the 11th with the additional benefic influence.
Gillian Bayford is a Scottish woman who, together with her husband Adrian,
won 148 million euro on August 10, 2012, making them the second-biggest
lottery winners in the history of the United Kingdom. It happened in her
Jupiter-Saturn period. These grahas are in the two strongest angles in her D-
11, with Jupiter’s debility cancelled by its sign lord, Saturn, who is in an
angle with two sources of strength, exaltation and dik bala.
Angela Kelly is another Scottish woman who experienced sudden,
spectacular wealth when she won a British lottery. The sum was not near as
great, 34 million euro, but still quite substantial. It happened on August 15,
2007 in her Venus-Saturn-Saturn period.

Her birth time from a written record gives a Virgo D-11 lagna, in which case
the major period lord, Venus, is poorly place in the 12th house, though with a
good source of strength due to the parivatana yoga with the Sun.

However, the degree of the birth lagna again raises a question. At 21-25 of
Gemini it is very close to the borderline of 21-49 between the 8th and 9th
lābhāṃśa. Advance the birth time a mere three minutes and the D-11 lagna
becomes Leo, putting Venus in the lagna and Saturn, the sub-period lord, in
the 11th.

Bruce Hegarty is an American lottery winner, who, on 2/23/1993, won a

$26.7 million jackpot in Dennis Port, MA. His chart was not included in my
previous chapter on lottery winners. From Astrodatabank.com:

“He collected the first payment the following day, riding in a limo and still in
a state of shock. He and his wife, Donna, had been living on the wages of
her job as a cashier as he was an out-of-work apprentice plumber. He had
only worked briefly for the past two years and they were living from month-
to-month, as well as struggling with an old car. To top all of that off, they
had to meet the needs of three kids, 15 months, seven, and eight years old.
The couples [sic] win was the third largest in Massachusetts Lottery
history.”
The daśā sequence at the time of his winning was Venus-Mercury-Jupiter. In
the birth chart Venus is the 9th lord in the 9th house in its mūlatrikoṇa sign
and conjunct the lagna lord, Saturn, giving dhana yoga. Both are “mutual
co-workers” with an extremely exalted 2nd and 11th lord, Jupiter, which
substantially adds to this yoga. The sub-period lord Mercury is the lord of 5
and 8, strongly placed in the 10th and exalted in D-9. Note also that the
major period lord, Venus, is the 8th lord in the 8th from the Moon in Pisces.

All of this creates an astrological picture that accounts well for his lottery
winnings at this time, according to the predictive parameters I outlined in the
previous chapter. Could such winnings have been predicted on the basis of
his D-11?
It would not appear so if this D-11 lagna is correct, since Venus would be
debilitated here without cancellation and the sub-period lord, Mercury,
would be in the 6th in no remarkable condition.

His time, which is from a birth certificate, would have to be backed up four
minutes to give a Virgo D-11 lagna, which would support Iyer’s principles
more.
This is the chart of an American woman who won $1.7 million in a lottery
on September 12, 1984 in her Venus-Rāhu-Mercury period. In the birth chart
the major period lord, Venus, is a svakṣetra 5th lord. The 11th house from
daśā lagna, Taurus, has the sub-period lord Rāhu, three other grahas, and
the aspect of an exalted 11th lord from there. Note also that Venus is in the
nakṣatra of the 8th lord Sun, and Rāhu is with this house lord.

In her D-11 the major period lord is not well placed in the 12th house, but
Iyer would likely point to the śubha saṅkhya yoga that it forms with
Mercury, in which case the daśā, antardaśā, and prayantardaśā lords would
fall 12, 1, and 2 with regard to this lagna, with Rāhu and Mercury both
vargottama.
However, I would also note that the time of 3:00 PM is likely rounded, and
adding five minutes would change the D11 lagna from Pisces to Aquarius,
which is plausible.

This is the chart of a Canadian policeman who won a million dollars in a

lottery on September 1, 1986 in his Rāhu-Jupiter-Moon period. As lord of
the 5th and 8th houses in the 11th, the sub-period lord, Jupiter, certainly
indicates such windfall gains from a lottery, but the Rāhu major period
giving these results is not clear at all in the birth chart.

Does his D-11?

Rāhu is well placed here in the strongest angle and is with the sub-period
lord Jupiter.
Werner Bruni is a construction worker who won 1.6 million Swiss Francs on
April 28, 1979 in his Saturn-Mercury-Venus period. The major period lord,
Saturn, gives the fruit of a good dhana yoga as the 9th lord in the 9th with the
5th lord Venus.

Saturn and Mercury are in the trine house in D-11 and with the additional
influence of Jupiter, strong by virtue of an exchange with its sign lord, Mars.

Discussion

We have now seen the lābhāṃśas of 10 lottery winners of significant sums

whose birth data comes from a written record. It is not a large sample pool,
but sufficient I think to ask the question as to whether these exceptional
“windfall gains” and “easy monies” could have been predicted based on
their D-11s. At least with regard to these charts and according to Iyer’s own
interpretive principles, my answer is that it does not appear so, at least not
dramatically.

Many of the period and sub-period lords who gave this result were well
placed by house in D-11, though many were not, unless the birth time was
adjusted to give a different D-11 lagna. For the most part they were also not
in any exceptional conditions that would suggest the magnitude of the result.
For example, none were in exaltation, own sign, or vargottama.

Focusing just on the major period lord, see these results in a summary table:

Person House Placement in Condition in D-11

D-11
Rhode Island - Wife 7th house Great Friend and GKY
Rhode Island - 8th house (possibly 9th) With sign lord
Husband
Chris Weir 1st house Nīcabhaṅga
Colin Weir 1st house Unremarkable
Gillian Bayford 10th house Nīcabhaṅga
Angela Kelly 12th house (possibly 1st) In an exchange
Bruce Hegarty 2nd house (possibly 1st) Debilitated - no
cancellation
American Woman 12th house (possibly 1st) Great Friend
Canadian Policeman 1st house Unremarkable
Werner Bruni 9th house Unremarkable

As can been seen, 6 out of 10 of these major period lords did fall in the good
angle and trine houses. The birth time would have to be adjusted with the
other four to give good house placements. A few were in good conditions
that would enable them to give their results strongly, but not the majority.

At least with regard to this particular event, the birth charts were a better
indicator, though in many cases the positions of the period and sub-period
lords in D-11 were supportive. Six out of the 10 could possibly be in the
lagna of the lābhāṃśa, which would indicate the special significance of this
period for bringing such windfall gains, but birth times would need to be
adjusted in three of the case.
D-11 and Inheritances

Inheritance is another way in which individuals acquire unearned wealth, or

“easy money”, to use Iyer’s phrase. In an earlier chapter, I discussed the
charts of 12 individuals who inherited great wealth along with the timing.
Here I am showing those charts again, along the Iyer D-11. Whereas all
these people inherited substantial fortunes at some point in their lives, all but
one (Lord Byron) were born into great wealth and enjoyed this throughout
their entire lives and therefore over many consecutive major periods.
Lord Byron inherited in his Saturn major period which is strong in its
mūlatrikoṇa sign in his D-11. The sub-period was the Moon with the
influence of two exalted benefics. His D-11 contains many grahas in a good
dignity, with all three benefics exceptional this way.
Doris Duke inherited in the major period of her Sun, which is placed in an
angle and aspected by Jupiter. The sub-period was Mercury, svakṣetra and
also with Jupiter’s influence. Her D-11 contains a number of planets in a
good dignity and with Venus vargottama.
What is notable about the D-11 of heiress, Barbara Hutton, is that all the
natural benefics are exalted and the lagna lord, Saturn, is in the lagna. Rāhu,
giving the results of Venus, an exalted 5th lord in a mutual aspect with an
exalted 9th lord, is when she inherited a fortune worth close to a billion in
today’s dollars. This was followed by the consecutive periods of Jupiter,
Saturn and Mercury, during which she was extremely wealthy.
All but three grahas in the birth chart of this heiress are well placed by
house. Jupiter gets directional strength in the 1st house and the lagna lord,
Sun, is vargottama. Mercury as the 2nd and 11th lord is in an exchange with
the 9th lord, Mars. The Venus period was when she inherited her fortune.
Every graha in the D-11 of Athina Onassis is either in an angle or trine.
Ninth lord, Jupiter, is svakṣetra in the 9th house and with a vargottama 5th
lord, Mars. She inherited in her Venus major period.
She inherited her huge fortune in the Venus major period, the 11th lord in the
9th house of her D-11 aspected by the 9th lord and a svakṣetra lagna lord,
Jupiter.
She has yet to inherit but see the dhana yogas forming along the 1-5 axis of
her D-11 and the strength of the planets involved.
In this D-11, I am struck again by the placement and condition of all the
benefics. Jupiter is in Aquarius in the 5th, the 9th lord, Mercury, is svakṣetra
in the 9th and the lagna lord, Venus, in an exchange with it sign lord, Moon,
and strongly placed in an angle. The 5th lord and yogakāraka planet, Saturn,
is also svakṣetra.
Examine the condition, placement, and connection of the trine lords and that
of 2 and 11 in the D-11 of the Prince who will not inherit for some time.
Her D-11 does not appear to be that good. Could the lagna be Capricorn?
She would have come of age in her Venus major period and from Capricorn
this graha would be well placed with the additional aspect of Jupiter.
Her D-11 does appear to be correct with all the grahas except the Moon
well-placed. Note the 9th lord, Sun, vargottama with a nīcabhaṅga 1st lord,
Jupiter, in the 2nd house. The 2nd lord, Saturn, is exalted in the 11th. The 11th
lord, Venus, also has its debility canceled by virtue of the exchange with its
sign lord, Mercury, and it is in a mutual glance with the 5th lord, Mars. She
inherited in her Saturn major period.
She inherited in her Venus major period, situated in the lagna of her D-11 as
the 5th lord and yogakāraka planet.

The examination of the D-11 of these individuals who inherited fortunes,

along with those of many, many other wealthy people, has led me to
conclude that the Iyer D-11 is a valid and useful tool for assessing the riches
that a particular period can give, though I view it as an ongoing research.
In a classroom setting my students frequently hear me say “yogas show what
and daśās show when.” This is because yogas and daśās are the most unique
aspect of Jyotiṣa which gives it its predictive power. The following are
examples of successful predictions I have been fortunate enough to make
based on identifying dhana yogas in a birth chart, qualifying them, and then
seeing their activation in the daśā sequence.

I was asked to give input on the following chart soon after this person had
entered their Venus mahādaśā. At a glance I could see that it held very good
financial potentials. Can you see why before reading further?

• Venus as a natural benefic is one of the planetary kārakas of wealth

and here it is in its exaltation sign in the Lakṣmī-sthāna 5th house.

• It is with the Moon, the 9th lord of Bhāgya (Fortune)

• Both Venus and the Moon are in a mutual glance with their sign lord,
Jupiter, the 5th lord in the 11th house.
 • Together these grahas form dhana yoga.

• From Chandra lagna, Pisces, the Moon and Jupiter continue to form
a dhana yoga.

In the following chart of an American woman do you see any similarities to

the one just discussed?

• Venus is again in its exaltation sign only this time as the 9th lord
conjunct a vargottama 5th lord Saturn and with both in a mutual
glance with their sign lord Jupiter, getting directional strength in the
1st house.

• This combination of the 5th and 9th lords in strength with the
additional influence of a benefic, also in strength, is an excellent
dhana yoga in the 7th house of the spouse.
Then see her Jupiter and Venus in the Iyer D-11

Both are svakṣetra. In Jupiter-Venus she received a lumpsum divorce

settlement worth over $600.000.

When a child or teenager is running periods that give the results of good
dhana yogas it typically means that they are growing up in a wealthy or at
least affluent family. Such has been the case with regards to a brother and
sister whose charts are featured below. Since I am their godparent, I have
had their very accurate birth data since they were born and have made
predictions to their mother, most recently in regards to their Venus-Rahu and
Rahu-Venus periods.

First see the chart of the brother, currently a freshman in high school. Can
you identify any planets that could give financial gains before reading
further?

• The 2nd lord Moon goes to the 11th house and is aspected by the 9th
lord Saturn.
• Saturn as the 9th lord goes to the 2nd house.
• The 5th lord Venus is with the 11th lord Mars, and they are joined by
the 1st lord Mercury.
• Rahu will give the results of both the Moon and Mars

Then see his navāṁśa, focusing on these six grahas.

 • The Moon is vargottama
• Saturn is vargottama
• Venus is in its own sign
• Mars is nīcabhaṅga while svakṣetra in the birth chart
• Mercury is vargottama
• Rahu is in its exaltation sign

Every one of these grahas has a source of strength!

Accurate predictions are easier to make when the background of the

individual is known. This is why it is said in Pārāśara Horā that an
astrologer must predict based on “kāla, deśa and pātra,” meaning, based on
the time of life, the place where they live, and their life circumstances. What
was known to me in these cases is that both children are musical prodigies
born to parents who are themselves renowned classical musicians. The
prediction that I made to their mother is that both their birth charts showed
the potential of winning musical competitions, and the awards and financial
gains that could go with such winnings.

The combination of the 1st lord, Mercury, the 5th lord Venus and the 6th and
11th lord Mars in the 6th house gives both rāja and dhana yoga and shows
the potential of the brother winning competitions. At age 14 I saw that he
would be running Venus-Rahu activating this potential.

What happened? He was about to graduate from elementary school and

wanted to attend a very expensive private high school. Each year this school
held a musical competition in which the winner received a full scholarship
worth $30,000. He won. During this period, he was also given a scholarship
worth $6,000 to attend an expensive summer camp for musical prodigies.
Additionally, he is paid well for performing at different functions.

Now see the chart of his sister who is currently a junior in high school. Note
the planets in her chart that could give financial gains.
Venus as the 6th and 11th lord is with the 2nd lord Saturn and the 9th lord Sun.
Her exalted Rahu in the 6th house of competitions gives the results of its sign
lord, Venus. In D-9 Venus is exalted.

As she is now running Rahu-Venus I foresaw that this period and sub-period
would also be favorable for winning musical competitions and the rewards
therefrom. She has twice now in this period been given scholarships and
placed third in a national competition for harpists. She also earns hundreds
of dollars per hour performing at functions, while most teenagers earn
minimum wage at part-time jobs.

It is always a bit dicey to predict for yourself since it is difficult to be

objective, but it was not difficult for me to see that my Saturn-Venus period
could prove exceptional financially.
The major period lord, Saturn, is the ruler of the Lakṣmī-sthāna 5th house
placed in another Lakṣmī-sthāna, the 1st house. It has underlying strength
falling in its mūlatrikoṇa sign in the navāṁśa and gets the additional benefic
aspect of a strong Jupiter. Venus as a sub-period is the 2nd lord in the 9th
house svakṣetra without affliction. Saturn and Venus are in a trikoṇa
sambandha with each other.
This turned out to be a very good period for me in terms of my own earnings
but during this time I also received a substantial donation from a benefactor
who wanted to support my work. I had foreseen that the Saturn major period
in general could be good for financial gains based also on its position and
condition in the Iyer D-11.

Here Saturn is the lagna lord involved in a 1-2 exchange with Jupiter.
Shown above is the birth chart of a man who consulted with me when he lost
a high-level corporate finance position. At the time he was working in a
temporary position at a much-reduced rate of compensation. He wanted to
know when he might get a permanent position commensurate in pay grade
with what he had previously. My answer was Jupiter-Ketu. Ketu, the sub-
period lord, is in the 11th house of gains, giving the result of its sign lord,
Moon, the 11th lord in the 5th who also aspects Ketu and its own 11th house.
The prediction proved correct.

It was not difficult to see from the chart of this woman that her Saturn-Moon
period would be very good financially since these two grahas are a
combination of the 5th lord Saturn in its own 5th house conjunct a bright 11th
lord Moon.

Examine Ketu and Saturn in the following chart of a good friend of mine.
You may have seen the following:

• Ketu is in the 11th house of gains

• It gives the results of Venus, the 2nd and 9th lord in the 11th house
• Saturn is the 5th lord in the 2nd house in its exaltation sign and
vargottama.
• Saturn aspects Ketu
• Ketu is in Puṣya, a nakṣatra ruled by Saturn.

It was a simple matter then to predict that Ketu-Saturn would be an

exceptional period financially. It proved correct when his consulting business
generated a half a million n revenues during this period.

When the woman whose chart is given below first consulted with me during
her Venus major period it was obvious that she was quite affluent. Venus is
her 1st lord in the 11th house with the 11th lord Sun and aspected by the 2nd
lord Mars. She acknowledged that she was independently wealthy. The 20-
year Venus period was followed by that of the Sun and the rich got richer.
Before reading further see if you can identify the dhana yogas in this chart
of a good friend of mind from college days.

You may have seen that:

 • The 11th lord Venus goes to the 2nd house conjunct with the 5th lord
Mars

• The 2nd lord Sun is in a mutual aspect with the 9th lord Jupiter
svakṣetra in the 9th house.

The Jupiter period had to give him a very good level of affluence and it
happened.

Now in his Mercury major period he is in a high-level corporate position

with a total annual compensation of over $1 million. Note that his exalted
Mercury is not only with the Sun-Jupiter dhana yoga as an impressionable
12th lord, but is in the Sun’s nakṣatra, Uttarā-Phalgunī

I have now recounted 10 successful predictions of periods of financial

prosperity. They were rather easy predictions because each of them was an
obvious case of “yogas show what and daśās show when.” All of the
relevant periods and sub-periods outlined in these cases activated dhana
yogas in these birth charts and the planets involved had sources of strength,
indicating that they would actually give this result.

From these examples I wanted to demonstrate that predicting periods of

financial prosperity begins with identifying planets in the birth chart that
have the static potential for giving this result, and then seeing the activation
of these in the daśā sequence. What follows are two more examples of
recent predictions I have given on this basis whose outcome is yet to be
seen.
This person recently moved into their Mercury major period, the 2nd and 5th
lord in the 9th house in an exchange with the 9th lord and yogakāraka,
Saturn. Mercury is also conjunct the 1st lord Venus. Mercury-Venus is on the
horizon starting at the end of 2021 and I predicted accordingly.

The following chart is of an Indian woman who aspires to qualify for the
Indian Civil Service. These positions are very difficult to obtain and the
competition for them is intense. I was told that some 400,000 applicants
compete in the initial entrance exam each year and that only 150 are
eventually selected.
There are a number of distinctive features in her birth chart related to both
status and wealth potentials. The 2nd lord Sun is in the 2nd house and
vargottama. It is also the focal point of a Shubha Ubhayachari Yoga
involving all the natural benefics in strength.

• Mercury is vargottama
 • Venus is mūlatrikoṇa in D-9
• Jupiter is in its exaltation sign in D-9

Moreover, these benefics in strength fall in the 6, 7, and 8th from a very full
Moon, giving Chandra Adhi Yoga.

Jupiter, the current major period lord, is additionally forming a 9-10 rāja
yoga and a 5-9 dhana yoga by conjunction with yogakāraka, Mars.

I could not tell her with any certainty that she would be able to obtain this
specific career goal. However, I was able to predict that her Jupiter major
period held a promise for giving her both a good position and a considerable
level of affluence based on the three status and prosperity-giving yogas in
which it is configured, and its strength in D-9. Then see Jupiter in both D-10
and D-11, assuming their lagnas are correct.
Jupiter is in an angle in its mūlatrikoṇa sign and aspected by a benefic in D-
10, while it is vargottama in the best trine in D-11. Does its conjunction with
the Sun in D-10 suggest a government job?

Though in these last two cases the outcome of the prediction remains to be
seen, they were made on the exact same basis as the 10 previous cases where
it did come out. Which is to say that the person was running the periods of
planets in strength configured in dhana yogas. It is this methodology that I
wanted to highlight in this chapter.
The story of King Midas comes to us from Greek mythology. What follows
is a rendition of it that can be found on the website greeka.com

“Midas was a king of great fortune who ruled the country of Phrygia, in
Asia Minor. He had everything a king could wish for. He lived in luxury in a
great castle. He shared his life of abundance with his beautiful daughter.
Even though he was very rich, Midas thought that his greatest happiness
was provided by gold. His avarice was such that he used to spend his days
counting his golden coins! Occasionally he used to cover his body with gold
objects, as if he wanted to bath in them. Money was his obsession.

One day, Dionysus, the god of wine and revelry, passed through the
kingdom of Midas. One of his companions, a satyr named Silenus, got
delayed along the way. Silenus got tired and decided to take a nap in the
famous rose gardens surrounding the palace of king Midas. There, he was
found by the king, who recognized him instantly and invited him to spend a
few days at his palace. After that, Midas took him to Dionysus. The god of
celebration, very grateful to Midas for his kindness, promised Midas to
satisfy any wish of him. Midas though for a while and then he said: I hope
that everything I touch becomes gold. Dionysus warned the king to think
well about his wish, but Midas was positive. Dionysus could do nothing else
and promised the king that from that following day everything he touched
would turn into gold.

The next day, Midas, woke up eager to see if his wish would become true.
He extended his arm touching a small table that immediately turned into
gold. Midas jumped with happiness! He then touched a chair, the carpet,
the door, his bathtub, a table and so he kept on running in his madness all
over his palace until he got exhausted and happy at the same time! He sat
at the table to have breakfast and took a rose between his hands to smell its
fragrance. When he touched it, the rose became gold. I will have to absorb
the fragrance without touching the roses, I suppose, he thought in
disappointment.

Without even thinking, he ate a grape but it also turned into gold! The same
happened with a slice of bread and a glass of water. Suddenly, he started to
sense fear. Tears filled his eyes and that moment his beloved daughter
entered the room. When Midas hugged her, she turned into a golden statue!
Despaired and fearful, he raised his arms and prayed to Dionysus to take
this curse from him.

The god heard Midas and felt sorry for him. He told Midas to go to river
Pactolus and wash his hands. Midas did so: he ran to the river and was
astonished to see gold flowing from his hands. The ancient Greeks said they
had found gold on the banks of the river Pactolus. When he turned home,
everything Midas had touched had become normal again.

Midas hugged his daughter in full happiness and decided to share his great
fortune with his people. From now on, Midas became a better person,
generous and grateful for all goods of his life. His people led a prosperous
life and when he died, they all mourned for their beloved king.”

This myth is obviously a cautionary tale about the dangers of excessive

desire, in this case greed, and every child that hears it recognizes it as such.
The obsessive pursuit of more and more wealth just for its own sake and the
strong attachment to it will not bring happiness but will eventually make a
person miserable. Those that are blessed with wealth should use it to benefit
others. This is the message and moral of the story.

A similar warning about greed can be found in chapter 16, verse 21 of the
Bhagavad-Gītā when Lord Krishna tells Arjuna:

tri-vidhaṁ narakasyedaṁ dvāraṁ nāśhanam ātmanaḥ kāmaḥ krodhas tathā

lobhas tasmād etat trayaṁ tyajet
“Lust, anger and greed, these three constitute the threefold gate of hell
leading to the destruction of the soul’s welfare. These three, therefore, man
should abandon.”

It is an admonishment that we should all take to heart. Why? The

enlightened sages of ancient India perceived that the highest purpose and
goal of life was the obtainment of God-realization and spiritual liberation or
mokṣa. Excessive desire, anger, and greed are completely antithetical to the
obtainment of this goal and keep the soul ensnared in attachments and
aversions that perpetuate the cycle of birth, death, and rebirth, of
impermanence and the suffering that results from it. Lust (kāma), anger
(krodha) and greed (lobha) are perversions of the 3rd, 6th, and 11th houses
respectively, which is why these houses are termed “inauspicious” in
Pārāśara Horā.

In contrast, the 5th and 9th lords are termed “auspicious.”

These are dharma houses that pertain to righteous, virtuous actions that
create a positive karmic effect.

There is nothing inherently wrong, immoral, or “sinful” in the acquisition of

wealth by legitimate means. What karma accrues from this all depends on
what a person does with it. Having wealth puts a person in a position to be
generous, which according to the law of karma then rebounds back to that
soul.

The birth chart shown above is that of a very successful woman doctor. Her
husband is also a doctor and together they have earned very well. Much of
this has come in her 20-year Venus major period and it is not difficult to see
why this mahādaśā gave her wealth. Venus is the 2nd lord in the 5th house
with two trine lords, the 1st and 5th. Additionally, all these planets in the 5th
house are hemmed by exalted benefics.

She and her husband are among the finest, most generous human beings I
have ever had the privilege of knowing. They have given hundreds of
thousands of dollars to charitable causes. Twice each year they volunteer
their medicals skills to a surgical team that goes to rural areas of India and
performs operations to those in need at their own expense. They do this
simply because they regard it as the right thing to do, not with the intention
of generating positive karma, yet this is the inevitable result.

When a person has the knack for acquiring wealth is it is said that they have
“the Midas touch.” But what then will happen after the wealth is acquired?
Like King Midas will this result in a desire for more and more that
consumes the person? Or like Bill and Melinda Gates will they start a
philanthropic foundation that gives billions to worthy causes?

Some have opined that money is the root of all evil. It is not. It is only a
form of energy as Deepak Chopra has rightly stated. Good and evil only
reside in the soul of human kind.
 Afterward

When I relocated from the Chicagoland area to southern California in the

fall of 1990, I encountered a group of Tibetan monks who had established a
Dharma Center in the area. Like most religious institutions it relied on
donations from those who attended the functions there for its financial
support. It had been doing well this way but then I heard from a friend
affiliated with the monks that they were beginning to experience monthly
short falls in terms of expenses versus donations. Most organizations like
this who encounter such problems initiate some kind of fundraising
campaign, such as putting out a mailer to its congregation explaining the
situation and appealing for donations. Not these monks. They started giving
things away, including their time in service to the community as well as
their possessions, like prayer wheels, tankas and such.

Their take on the situation was that if they were not receiving what was
needed to support the center then they must not be giving enough. I can
remember marveling at this since their actions reflected a profound
understanding of universal law of karma that for every action there is a
corresponding reaction. And it worked. Shortly thereafter donations
increased. Later I can remember recalling this incident when reading
Deepak Chopra’s book, The Seven Laws of Spiritual Success. which I can
highly recommend. See these excerpts:

“The second spiritual law of success is the Law of Giving. This law could
also be called the Law of Giving and Receiving.”

“The word affluence comes from the root word “affluere” which means “to
flow to.” Money is really a symbol of the life energy we exchange and the
life energy that we use as a result of the service that we provide to the
universe. Another word for money is “currency” from the Latin word
“currere” which also means “to run, or to flow.”
“Therefore, if we stop the circulation of money, if our only intention is to
hold on to our money and hoard it, we will stop its circulation back into our
life as well.”

“The more you give the more you receive because you will keep the
abundance of the universe circulating in your life.”

Giving, of course need not be monetary. As Chopra goes onto to say in this
chapter:

“The gifts of caring, attention, affection, appreciation and love are some of
the most precious gifts that you can give, and they don’t cost anything.”

When we come to know our own horoscope, we may not like what we see
reflected there regards wealth karma. It may even show how we have
suffered in this aspect of life. What then to do?

The karma reflected in our birth charts is our prārabhda karma or the
karma resulting from our actions in previous incarnations due to manifest in
this lifetime. But this is only part of the story. Our actions in this lifetime,
referred to as our kriyaman karma, can change or at least modify prārabhda
karma. Among the methods given in the ancient texts for doing this is daan,
or charity, which is again giving.

My teacher, K.N. Rao, interpreted this simply to mean “help a needy

person.” And he has practiced what he has preached. He has done
astrological consulting as a social service for decades, never accepting
payment in India. During his tours in the U.S. he did accept payment for
consultations because he was told by his first sponsors that people here
would not value it otherwise. However, when I sponsored him in San Diego
and was collecting the fees, he instructed me afterwards to send all of it to a
parent to help pay for the education of their child.

The other method that he recommended for improving one’s karma is any
form of sincere worship. When asked for his specific recommendation this
way, his answer is always chanting regularly with devotion the Thousand
Names of the Lord or Viṣṇu-Sahasrānama.
As a conclusion to this book on the astrology of wealth, I leave the reader
with this sound advice.
 About the Author

Marc Boney, M.A. is an internationally renowned astrological teacher,

writer, and consultant. He has been involved since 1974 with the integration
of the ancient wisdom of astrology with the counseling arts. He received his
training in Jyotiṣa primarily from K.N. Rao, one of the world’s foremost
Vedic astrologers. His focus is on using the Vedic system to help guide
people in their lives, as well as training others.

Marc has been a featured speaker at international conferences, is a

faculty member of the American College of Vedic Astrology, and was the
main presenter on Jyotiṣa at the Chopra Center for Well-Being from 2000 to
2002. He is the author of over 50 articles on this topic and 20 books.

The Institute of Astrology, Bharatiya Vidya Bhāvan, of New Delhi,

India honored Marc with a Distinguished Service Award for his
contributions to the advancement of Vedic Astrology in the West.

Marc recently founded the Pacific Institute of Vedic Science, which will
be offering quality educational programs in Yoga, Ayurveda, and Jyotiṣa in
the San Diego area where he lives.

Prior to his current full-time involvement with these Vedic sciences,

Marc held positions in the corporate world as a Director of Human
Resources, Outplacement Consultant, and Leadership Consultant.
 Marc holds an MA in Counseling Psychology and a BA in English
Literature from Northwestern University in Chicago, Illinois.

He is a practitioner of Transcendental Meditation since 1971 and later

trained as a teacher and taught TM in the late 70s.

Visit his website at www.marcboney.com or contact him at

[email protected]
www.marcboney.com
 OTHER PUBLICATIONS BY MARC
BONEY

Books

The Essentials of Jaimini:

A Practical Guide

Jyotiṣa for Beginners

Volume One

Jyotiṣa for Beginners

Volume Two
Golden Keys to Jyotisa
Volume One

Golden Keys to Jyotisa

Volume Two

Golden Keys to Jyotisa

Volume Three
Golden Keys to Jyotisa
Volume Four

Golden Keys to Jyotisa

Volume Five

Golden Keys to Jyotisa

Volume Six
Golden Keys to Jyotisa
Volume Seven

Golden Keys to Jyotisa

Volume Eight

Golden Keys to Jyotisa

Volume Nine
Golden Keys to Jyotisa
Volume Ten

Graha Yogakdipka
Volume One

Graha Yogakdipka
Volume Two
Predicting Major Life Events
A Composite Approach

Jewels of Jaimini

Secrets of the Dashamsha

 Ashtakavarga Simplified

Laghu Parashari - A new translation and commentary