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by Chennai based astrologer K.B.Gopalakrishnan
26th MAY, 7:46 PM
Food prices and oil prices are increasing day by day. Government is trying to get the strategy to curb the price inflation.
But Chennai based astrologer has different thing to say. Astrological analysis shows that the price inflation will reduce only when Saturn transits into the rashi of Virgo in 2009. Till then the price inflation may go unabated.
BY
K.B.Gopalakrishnan
K.B.Gopalakrishnan, chennai based astrologer has come out with a book on nadi techniques. This book has lot of rules, insights and horoscope analysis to explain the readers about the rules. A book for budding astrologers.
CONTENTS
1.what is bhrigu nandi nadi
2.principles of transits-Saturn, rahu and Jupiter
3. nadi and profession
4. Nadi and karakas
5. Timing of events
6. fall in career
7.Amshas And Nadi
by Chennai based astrologer K.B.Gopalakrishnan
13th JULY, 2008 7:00 AM
Many astrologers have written off our Indian Prime Minister Mr. Man Mohan Singh. In this age of media and television one will get influenced easily. So media has been projecting that the UPA government is in crisis. One needs to look into the astrology chart and base the prediction on that.
Chennai based astrologer K.B.Gopalakrishnan has written many a times the government will survive using the astrology analysis. He does the same astrology analysis to predict about the Man Mohan Singh’s UPA government.
Since the correct birth time of Indian Prime Minister Mr. Man Mohan Singh is subject to speculation, there fore the swearing in chart for 22 may 2004 with thula lagna is taken.
Here are the basic points one needs to consider.
Astrological analysis of the swearing in chart shows the number of planets in the ninth house and connected to ninth lord is almost 5 planets
Next if one reduces the vimshottari dasa to5 year’s period then the dasa of moon and Mercury bhukthi is running. This means the dasa of 10th lord and the bhukthi of ninth lord is running. How will Man Mohan Singh government fall.
If one uses the nandi nadi techniques for astrology prediction seeing from guru is done. The tenth house from guru very strong.
Mercury the bhukthi lord is associated with rahu there fore all this confusion.
Moon will be nakshtra of rahu on July 22nd 2008 when the no confidence motion comes to the parliament.
Many Indian politician are brilliant than the average masses. That is why they rule the country. All these people would have worked out the figures and taken every contingency step before making the final letting go of the Left party. The media projects as if it is unsure of the state of the Man Mohan Singh government. This is done just to increase TRP rating of their news programmes.
Every one has a price. Even kings can be bought. Every one will be paid their due price. Be it TRS or TPS or Vaiko front, every one has a price. Many big wigs have some thing to lose. All these people will pool in their money power to make sure that the congress government continues. One of the other reason congress wants to be out of Left party is that they can go ahead with the reform process which will help them in a huge way to control the inflation at one level.
Mulayam walked into congress coalition due to pressure from Mayawati who is out to finish him. She has hit his financial hub by targeting all the people with whom Mulayam has deals or vested interest. Subrato Roy who is owner of the Air Sahara has huge business empire. She smashed the building of Roy using bulldozers and that must have sent shock waves to Mulayam. Anil Ambani is next in the line. She had fired against Amitabh Bacchan using land deal. Then Mayawati had hit Subrato Roy. All these people do not want mayawati to do any thing against their money and to protect Mulayam Singh’s power.
All in all the no confidence motion will fail. Like all the men in waiting for power, BJP supremo advani will also have surprises in life.
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| |Me Ra |Su HL |Mo Ma |
| | |Md Gk |VeR Sa |
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|———–+———————–+———–|
|AL | | |
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|———–| Rasi |———–|
| | |Ju |
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|———–+———————–+———–|
| |GL |As Ke | |
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Do not listen to gurus who say that you dont need a sadhana
Enlightenment is like swatting fly it is just jiffy.
It is a blind man talking in the drunken mood about beauty and light
All they do is marketing and public relations
The great rishis have done tapsaya
What about mortal like us?
To win a medal one need effort
To get god also one needs effort .
There are two ways to meditate
One is work with love
Another is pray, for love in
Both ways are just the same.
When god loves you my dear friend
He gives a guru, a sadhana, sthala and suffering
Samsara is made bitter
Your effort to become successful in samsara
Become useless
If he gives power, money, fame, intelligence and beauty
And not his name and sadhana
Understand that SIM card is not given
You do not have pass word to log out samsara.
What ever it is, all a dream washed away by waters of time
When death comes like tidal wave
Only what is left out is essence of sadhana.
by Chennai based astrologer K.B.Gopalakrishnan
1st JULY, 2008 8:35 PM
I had already written the fall of Indian equity market and repeatedly warned many of my friends about the fall of the markets. The question is when and where it will stop.
Till the year end the Indian market will be in a correction mode. Easily Sensex market can be well below 10,000 points in two years time and nifty will be well below 2500.
The Indian Sensex gain is all made up analysis with out sound logic. How can the Indian equity market trade higher than Dow Jones?
Chennai based astro analyst K.B.Gopalakrishnan says not listen to the analysis. When ever bull market has corrected in India it has been severe. Half of the bull market is bear correction stopping.
Do not listen to analyst who does not have gods grace to see the future. Their so called theory is total misguidance.
Buy gold. Do not buy equity or rather get in to bear mode.
The correction will continue it will be down ward graph with few minor up swings.
The TV channels will never allow you see reality of some vested interest.
K.B.Gopalakrishnan says that the market will still bottom down.
FLOATING AND FIXED RATES- CONVERT TO FIXED RATES.
by Chennai based astrologer K.B.Gopalakrishnan
1st JULY, 2008 8:35 PM
God gave a wonderful situation to predict on the fixed and floating rate. I asked my friend Ramalingam for some emergency expenses. He was also to buy the land. He combined both and took the loan. Kind enough to give me money
Then it turned out little less than expected of the details. I started asking for details about the bank interest rates and he had no answers. Then I realized that I have got in to mess. Any way I asked his wife and him to find out the details. Slowly it began to emerge that the banks were less than willing to provide information. They were playing all kinds of games. Then they gathered many details and I asked them to convert from floating to fixed rate
Following is the predictions. I owe it to Mrs. Jayashree Ramalingam and Mr. Ramaligam and god, for god has tricky ways of showing me the reality.
The RBI has increased REPO rate and CRR rates many times from 2001. So the first question is- will interest rate go up. Chennai based astro analyst K.B.Gopalakrishnan says that the interest rates will go up and not be surprised even if it reaches 16- 17%
The banking industry in India is tightly controlled Reserve Bank Of India is never comfortable with lot of money with public. So it will put checks and balances all the time.
So Chennai based astro analyst K.B.Gopalakrishnan says that if you have floating rates for houses, bikes or cars or any kind of loan convert it to fixed. The banks especially private one like ICICI and HDFC will play games. He warns people to be careful with private banks and easier with the nationalized banks
Here are the suggestion Given by K.B.Gopalakrishnan
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Convert from private bank to private sector bank if possible.
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Pay of the loan quickly and do not dream of Indian market of being in the boom period forever.
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If you are the reader of the web site help people to convert from floating to fixed.
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Secondly do not listen to what sales people tell you for they are meant to get business.
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Study the finer details of bank’s agreement and you will appreciate what is said in terms of interest rate.
THE STORY OF FLOATING RATE TO FIXED RATE CONVERSION- A SAGA WITH ICICI BANK.
by Chennai based astrologer JAYASHREE RAMALINGAM
1st JULY, 2008 8:35 PM
It all started in January 2007. My husband wanted to buy land. All his friends were buying lands and investing money in the landed properties. On of his friend suggested taking loan in ICICI bank. So we called the representative of ICICI bank. They gave all the details that go with the taking the loan. Later only we realized that it was all very superficial.
Back to the story for taking ten lakhs we need to give 13,000 as the processing charge and all the documents. We went for a mortgage loan. At this point the bank representative kept on insisting us going for the floating rate. The floating rate at that point was 11.5% and the fixed rate was 13%. Like all middle income class family we opted for the floating rate as the interest was less.
One fine evening we gave all the necessary documents along with the cheque for Rs.13000 for processing. Next day
immediately they had deposited the cheque for processing and the amount was debited from our account by 10 am. It was a quite a shock for us. Within three days of signing all the documents and processing the loan of 10 lakhs was released. By that time interest has gone to 13.5%, 2% more than what was written in the processing document. This rise had happened within three days. We were happy getting the loan and we went on to purchase two plots of land for 7 lakhs. At that time my teacher wanted some cash for he was doing remodeling of his house. We gave him RS.3 lakhs. Now my teacher kept on insisting to tell him about the interest he needs to pay us. We did not know how to calculate as there were many charges added to getting the loan like processing charge, increase in the loan interest. As we were paying Rs.1300/lakh as EMI, we asked him to give the same amount..
At this point my teacher K.B.Gopalakrishnan wanted to know the break up for this EMI – the principal and the interest component of the EMI. We didn’t have answer for it. My husband went to the bank to get it. The bank was reluctant to give that information. my teacher he kept on telling me that instinctively he did not feel alright about the whole issue. I started going to the bank. There was lot of altercations with them. Finally when they gave us the details of the principal and interest component, the interest rate has increased to 14.5%. For this increasing my tenure had risen from 180 months to 236 months. We calculated the EMI for the increased tenure period. It came to nearly Rs.5 lakhs. We were totally flabbergasted and devastated. We did not know what to do as we had paid only one EMI.
Now I started going to the bank. As I waited for my turn to speak to the executives I could see the fear and apprehension on the face of the people who had taken the loan. My turn came and I enquired the customer relation officer about the interest increase. They could not give me the correct reply. I had to resort to shouting in the bank. Now the branch manager came into the picture.
He told me that across the banks the interest had increased. I was angry at him for not informing us the increase, because as the loan recipient I was entitled to make choice of either paying the increased interest or increasing the tenure. The bank did not offer me the choice.
Now the banks calculation was like this
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0.5% increase was calculated as Rs.28 to be added as excess in the EMI every month. As we were not informed about the change we remitted from our bank the original 13,000 rupees as the EMI for 10 lakhs. So there was a deficit in the EMI. The deficit amount was tallied for the entire 180 months.
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Now once again the bank calculates the interest for the total deficit month. Either we can pay the deficit or they simply increase the tenure.
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Mind it no bank gives the real calculation for the interest increase. There are many hidden charges. What they show us is the approximation. We got this information after we literally fought with them.
As per my teacher’s instruction I started recording all the meeting I had with the bank officials. As soon as we enter the bank area, we were asked to
My teacher then advised me to go in for fixed rate. After much pressure from our side the bank told us that it will charge 1.9% on the principal as the conversion charges. But now the bank had put the clause that we cannot convert from floating to fixed rate within the first six months of taking the loan. But the representative had told us that the conversion was possible after paying the first EMI. This was the second blow for us.
So we had to wait for five months for the conversion. Basically I realized that banks did not want their customers to change from floating rate to fixed rate. Finally we paid the fixed rate conversion amount of Rs. 19,000. At that time the fixed interest was 14% and floating interest was 14.5%. We got the reduction in the interest rates which got converted into reduced tenure of 36 months.
I should really thank my teacher K.B.Gopalakrishnan for this. Had he not intervened we would have got trapped into the eternal web of debt with the ICICI bank.
Now he wanted me to share this experience with others, which I am doing it.
