Most people in the world have bad money karma- which means they are hurting for money. This is true even in the United States, which is the richest country in the world. Most people experience one or more of the following:

1. Living from paycheck to paycheck.
2. No paycheck at all.
3. Living with their parents.
4. Driving a junky car.
5. Taking a bus to work because you don't have a car.
6. Job is constantly ending and continually looking for another.
7. Surviving on cash advance from credit cards.
8. Borrowing money from others.

If you go to a financial counselor he would say one or more of the following:

1. You have no job skills that are marketable.
2. Go back to school and acquire some education.
3. Get 2 full time jobs to supplement your income.
4. Get more hours wherever they are available.

I am not going to emphasize any of the aspects mentioned above. Not that I disbelieve them, but they are commonplace knowledge and many people, if not everyone, know about them. I want to give you some uncommon and spiritual methods for addressing your money karma.

Why do you hurt for money? There are many reasons for why you don't have money. Let me begin from the beginning of your life. You mother has just delivered you. But, unfortunately, you are not born with a silver spoon in your mother. Thank god that you were not born in Afghanistan to be subjects to the Taliban tribal laws. Nevertheless, one's birth circumstances with money constraints have serious consequences.

As a child growing into adulthood, you are not going to have an easy life unless your parents do something to improve the finances. But as the book Rich Dad, Poor Dad indicates, most of our dads (including mine) had no clue as to how to make money. In a negative parental environment like this, you can do very little to get up and running. Your consciousness is clouded and you have no energy. You can't go to a good school because you can't afford the tuition. Why is this happening to you and not to Prince Williams or the sons and daughters of a millionaire?

This is only one answer to the question: YOU ARE BORN WITH BAD MONEY KARMA.

How do I change my money karma? I have come to this earth plane primarily to help people change their karma. In order for you to have maximum results, you should follow my advice meticulously:

1. Get rid of your own philosophy about money. This has not helped you. Remember, even without your knowledge, your philosophy will sneak in. Get rid of them, period.
   
2. Start my two-fold program to improve your bad money karma outlined below:

   First, get rid of your past life karma that is disallowing you to make money. When you wake up in the morning, do the Thiru Neela Kantam meditation at least for 3 minutes while still in bed. Chant the mantra Thiru Neela Kantam in the throat visualizing a blue light. Both the mantra and the light should stay in the throat. Make a prayer to me to empower the mantra for you to remove your bad money karma.

   Later on when you shower, do the mantra again as outlined. After the shower, it is important that you take a few flower petals and roll them on your head, throat, neck, shoulders and chest. Imagine that the flowers have absorbed all your past lives and present-life karma and crush them with the mantra Thiru Neela Kantam. Those of you who have my Thiru Neela Kantam CD should listen to it everyday.

3. Your money karma is carried out in life through the planets. I recommend that you find out which planets are directly involved in creating financial hardships for you and do some remedies to change those bad influences. You may ask, "If we are doing Thiru Neela Kantam, why bother with planets?" The answer to this question is: Thiru Neela Kantam is your general physician. He knows everything about your body, but he needs to send you to an eye doctor or an orthopedic doctor as the need arises. IN ORDER TO HELP YOU DURING THE RECESSION, MY ASTROLOGERS IN INDIA CAN DO A FINANCIAL ANALYSIS FOR YOU TO IDENTIFY THE MALEFIC PLANETS. THEN I WILL COME UP WITH THE REMEDY.

Blessings. There are very important messages in the Bible that come through the life of Jesus. People told Jesus that they would believe him if he could manifest bread for them from heaven just as Moses did. Jesus said that he could do even better and give them eternal life.

People couldn't have cared less, and I don't blame them. At the end of the day what matters is if you have bread on your table. Jesus then manifested food for 5000 people.

When I go around the world giving talks, people ask me if I can manifest a trinket for them like Sai Baba does. I tell them, "No, I can't do it. However, I can manifest a Mercedes Benz for you, although you may have bad credit and no money for downpayment."

I am a spiritual teacher, but I am a realist, too. A few minutes ago I was explaining to a few students about how long does it take to save a million dollars. I said it takes 10 years if you save $100,000 a year. In order to save $100,000 a year, you will have to make at least $350,000 a year. I know my numbers are right.

I am not trying to scare you. I am not a pessimist. Nevertheless, I don't want to lose touch with reality.

Yes, I can help you spiritually and practically. Both methods are important. Spiritually, I want you to believe that I can help you. How can I help you if you don't believe? Secondly, I want to offer you a collective business idea and that's to become an affiliate member.

As an affiliate member, it is my intention that you will make the extra cash that you need to buy a house or car. I want to be largest online catalogue guy on the face of the earth. I want this not only for me, but for all my students.

I know in my heart without doubt that this affiliate program is the way that I can help you practically.

God Bless all of you.

Satan moves your mind from thought to thought because he wants to keep you in anxiety and fear. Satan is a master of negative consciousness. He knows that if he can plant doubt in you, then he can keep your mind restless. In fact, doubt and Satan are synonymous. Doubt doesn't allow you to settle down. It creates uncertainty in your finances, relationship, health and even in your relationship with God.

God is Faith, and the Devil is doubt. The Devil's whole endeavor is to kill your faith, not only in God, but also in positivity in general. God, or faith, is a principle of affirmation, whereas the Devil is the principle of negation.

You must very carefully understand the two principles of affirmation and negation. Affirmation is creation. It is saying "yes" and allowing a free flow of energy. Negation, on the other hand, is destruction. It is saying "no" and thereby obstructing the free flow of energy. If you affirm and say "yes," you will calm down. The Devil doesn't want to calm down. He likes to storm the mind, so that it can be constantly on the move. Why do thoughts move so much? Because the mind is under constant pressure.

Mind and Making Money

Just look at your own inner dialogue concerning money. Everyone is engaged in this dialogue almost constantly. You may think of a particular plan to make money. You encounter several obstacles. Perhaps, there is no capital or no reliable partners or you have no genuine interest in the principle - and so on. You go through the traumatic experience of fighting against every odd. You are constantly worried about the availability of money for the future.

So, this keeps you thinking about the future and planning for it. One plan is replaced by another, one strategy through another. Finally, for a long time, in the last analysis, nothing seems to work. The Devil is very happy about this inner development. He, in fact, is rejoicing over your confusion and uncertainty. He is happy that nothing works for you. Fighting over or with girls or boys delights the Devil. As long as you are unsettled, the Devil is settled. What is unsettling for the Devil is if you are at peace. For once you are in peace, the Devil will go without work.

You Can't School The Devil

You can't school the Devil, but you can screw him. You can open the front door for the Devil, make him wait in the living room while you sneak out through the back door.

What this means is you accept the thoughts that the Devil gives you, pretend to be munching on them, but actually you are spitting them out. You may ask why open the front door at all? You have no other choice. Otherwise, he will keep hanging by the door. However, never get into a conversation with the Devil and try to school him. You have only one choice. Either you screw him, or you get screwed. I think the former is better.

When the Devil is pumping thoughts into your mind, develop a sense of detachment. Witness the thoughts moving in the mind like the clouds moving in the sky. As your witnessing habit takes a stronger hold, you will then see the clear sky which is the non-mind, full of emptiness.

Thought watching is an important meditation for the Buddhists.

Most people in life have this question: "Why am I not succeeding in life?" There are many answers to this question.

1. Your parenting. Your parents did not know better and you had only negative guidance and bad role models.
2. Your genetic conditioning from a bad family tree.
3. The economic and social environment around you (both childhood and now).
4. Lack of interpersonal skills.
5. Lack of technical or business skills.
6. Lack of energy due to sickness.
7. Doing a job/business with very little financial potential.
8. Lack of interest in life.
9. Idealism vs. practicality, including self-deception.
10. Lethargy and procrastination.

The above are some of the reasons for your failure. This is indeed a short list and, of course, more reasons could be added to the list. Nevertheless, it is important to take a look at the list and do something to change the negative elements. I want to answer every item as much as possible.

1. Yes, parenting plays an important role in the life of an individual. It is important to identify negative elements and consciously rectify them. You can read the book Rich Dad, Poor Dad.
2. Rub Vibhuti (sacred ash) all over your body and listen to the Thiru Neela Kantam CD.
3. You cannot do much about your childhood environment. You can change the current environment now.
4. Interpersonal skills are very important. No one ever succeeded without them. You should read books and consult a specialist in this area.
5. It is important to acquire technical skills in accordance with your own interest, practicality and astrology.
6. Health is very important. See a nutritionist and a personal exercise trainer, in addition to seeking medical treatment.
7. Most people are victims to jobs/businesses. You need to change your vocation karma.
8. You may be depressed. See a doctor and do more fun things like traveling, listening to music, etc.
9. Some people are either idealistic or self-deceptive. Idealism can be allowed and it may reward you down the road, but a reality check is very important. Self-deception is a form of denial of reality and needs to be addressed immediately.
10. Find a personal trainer who can add discipline to your life.

Dattatreya Siva Baba's Astrological Solutions:

Some of you may have known both the questions and the answers. However, your life remains the same, and what to do? The clue is in the planets. Vedic Astrology has ancient wisdom to offer to help us in the here and now. AstroVed Website has many free features and even a tutorial to help you begin to learn how the planets are influencing your life, and it explains some of the divine remedies you can perform to quickly resolve problems.

The Siddha masters are adepts in the use of yantras to attract things towards them. Yantras are magical diagrams with squares, triangles, circles etc in a certain permutation combination. Each deity has its own magical yantra. The yantra is the conduit through which you connect with the deity. These magical diagrams were cognized by the Siddhas in deep states of samadhi. In Hindu temples in India, they bury the corresponding yantra of the god/goddess underneath the deity in order to energize the statue of the deity.

I will give you a specific example. There had been a money crunch in my computer company in New York. I ordered a custom-designed special yantra to attract money, business and people. I installed the yantra on Wednesday (7/22/02). Within 24 hours, the company started attracting money. It is almost a miracle. Just before the money started coming, there was a big pandemonium in the company. This is how the yantras work. There are yantras for relationship, health and cleaning up the energy of the office space or house.

After the initial success with the yantras, I am now encouraged to try it with other people. I know they work and I want to make sure that I put my energy intent into it. It is very important for me to do that to make the yantra come alive with full power. We are now making the following yantras available through our website store. We have a limited stock, but you can order them and we can get them made.

The following are the yantras now available:

Ganesha Yantra - to remove obstacles

Dana Akarshana Yantra - attracting cash, business opportunities, plus for prosperity, home and car

Navagraha (Nine Vedic Planets) Yantra - to remove bad influences from the planets

Muruga (Sadakshara) Yantra - removing debts

Siva Yantra - for enlightenment and prosperity

Sudarshana (for protection from negative influences and for purifying)

The way to use the yantra is to place it on an altar. You can bathe it with milk, orange juice and honey on full moon days. Other days, you light a candle and incense and pray to it. You should offer a flower and a raisin or other fruits. Repeated prayers will make the yantra to come alive.

Most people are wishywashies. That's why most people don't succeed. I don't expect people to be committed beings like Socrates, Jesus, Gandhi or Martin Luther King, Jr. It is not possible for everyone to lead such hard lives. Everyone wants to live a take-it-easy life:

• going to a couple of movies a month
• a minimum of 60 hours of television a month
• 200 hours of idle conversation with friends
• anywhere between 4 to 50 cans of beer
• 2 to 4 times dining at fancy restaurants

What characterizes life is engaging in fun. Gossip is fun. Beer or wine drinking and movies or games--all of these are fun. Work is uninteresting, and in some cases miserable. But you need to make money to pay your bills, so you go to work. You have no real commitment to make a difference in life. You don't want to engage in any self-actualization process. In short, most people are wishywashies.

One category of people I have never been able to help fully is those who are wishywashies. They have no commitments to themselves nor to me. I don't have to personally know you. But, if you are committed to my teachings--doing the vibhuti (sacred ash), the One Minute Meditation, Thiru Neela Kantam on Pradosham days along with the rituals--you will certainly turn around your life. But, if you have a wishywashy attitude, I will be able to help you only partially. Shridi Baba (Sai Baba in a previous incarnation) used to say, "If you look to me, I will look after you." This is what I am doing for the Prosperity and Enlightenment program participants. I look after them. All their pictures are kept under my picture with a candle burning on the altar.

I do hear your prayers. I am only waiting for the right time to sneak in and reverse the bad karma. I work with the 9 planets and tell them not to harm too much, and increase the fortune wherever they are doing good. Over the last two decades, I have helped a lot of people. Whenever they become financially well off, they leave. If they become millionaires, they remove my name from their mailing lists and phone directories. They want fun now. There is money, and they don't want to do anything with a kill-joy like a guru. But my work will go on. I know the corruption that money and power can bring. This is the reason why money is considered as anti-god. The only excuse for my teaching techniques to make money is to help you find time to meditate. Money can buy time.

Finally I want to close this note with an invitation to you to join the Prosperity and Enlightenment program. That's a clear commitment from you of sowing the seeds for your future.