PERSONALISED YEARLY PREDICTION

Dear XYZ “It is with great pleasure that we present you your personal astrological signatures in a

complete new look with added features from our proprietary 'Karma Index' report.” We thank you for giving us the opportunity to analyse your birth chart. It is not Vedic Astrology‟s purpose to replace an individual‟s responsibility to decide for

themselves or to present a fait accompli forecast for the future. We believe that you control

and shape your own destiny by your Karma and your efforts. However, this report tells you,

how much and when the planets will be supportive for you or they will be challenging and can

create obstacles and difficulties on your path. We believe that stars will influence only 75%, and rest 25% is controlled by your own actions.

However, sometimes that 75% may become critical over which you may not have any control. Best Regards For CyberAstro.com Astrologer service@cyberastro.com Visit us on Internet at our site http://www.cyberastro.com/ for future consultations. Name XYZ Date of Birth DD/MM/YYYY Time of Birth HH:MM:SS

Place of Birth City, Country

Your Vedic Natal Chart

The Vedic Map of Heaven at the date, time and place of your birth

Your Ascendant (Janma Lagna) Capricorn Your Vedic Sun Sign Cancer Your Moon Sign (Janma Rashi) Capricorn Your Birth Star (Janma Nakshatra) Shravana–Phase 2 Retrograde Planet/s None Combust Planet/s Mars Exalted Planet/s None

Debilitated Planet/s None

Natal status of each of the planets in your chart:

How 2014 will be in your life will have to be analysed based on different parameters both in

your natal chart as well as Dasha system and also the transit status of different planets in your

chart and what are there relationships with the planet positions in your natal chart. Your Personalized Yearly Prediction report will be basically the garland crafted by our

astrologer after taking considerations of each of the elements mentioned above. These

elements will be the individual beads in the garland. How much each of these beads will

actually influence will be based on the final judgment made by our astrologer who has done

this report for you.

Planet Dignity Lordship Functional House Planet Natal Strengths Final

(Based Status Locati Judgement by

Sadbal Vimsopakabal Ashtakavarga

on Sign Auspicious on Astrologer

Natal

location)

/Inauspicious

Strength

Sun Neutral VIII Inauspicious VII 1.25 11 5 Challenging

Moon Enemy VII Neutral IV 1.26 9 5 Mixed

Mars Neutral IV & XI Inauspicious VI 1.12 14 5 Mixed

Mercury Grt. VI & IX Auspicious VII 1.15 10 3 Mixed

Enemy

Jupiter Own III & XII Inauspicious III 1.09 15 4 Mixed

Venus Neutral V & X Most VIII 1.12 10 4 Good

Auspicious

Saturn Grt. I & II Auspicious IX 1.38 17 0 Very Good

Friend

Rahu Own --- Auspicious II ----- 11 ---- Good

Ketu Neutral --- Inauspicious VIII ----- 10 ---- Challenging

Explanation of Natal status of Planet Table A) Dignity: Dignity of planet is based on it‟s relationship with the sign where it is located in the natal chart:

The dignity largely decides what kind of results the planet will give in it‟s period /sub-

periods/sub-sub periods. If the dignity is good then there are bound to be good results. If the

dignity is not good then there are bound to be some bad results. No matter whether the planet

is functionally benefic/malefic or strong and week in different strength calculations. The dignity

of any planet can be any of the following in descending order of the planet‟s ability to give

good results during its period/sub-periods/sub-sub periods. 1 Exalted: results most outstanding 2 Mool trikona: results excellent 3 Own: results good in general 4 Great Friend: Generally good results 5 Friend: Mixed but generally ok 6 Enemy: Mixed but generally malefic 7 Great Enemy: Generally malefic 8 Debilitated: most challenging B) Lord ship and functionality: Lord ship of each planet as per different ascendants in the natal chart indicates functionality

of the planet for different aspects in our life throughout our life. Functionality can be

Auspicious, Inauspicious, Neutral, Most Auspicious or most Inauspicious C) Different Strength calculations of the Planet and their significance:

1 ShadBal: This is the absolute modular strength of the planet and signifies the quantum of

it‟s effects in our life irrespective of the functional status or dignity. A Benefic planet with low

Shadbal must be strengthened with Gem therapy to make it more effective. A malefic planet with high shadbal must not be strengthened with Gem therapy because it‟s malefic effects

will increase also Instead they must be harmonized with Yantra or propitiated with Yagnas

and Mantras. This strength is very important for astrologer while he recommends astrological remedies. The minimum effective shadbal should be 1.0. The maximum can go

up to 2.5 in a chart. 2 Vimsopak Bal: Vimsopak Bal is calculated based on the dignity of the planet in 16

divisional charts computed from the Natal chart. Each divisional chart signifies a specific

aspect of life. For example Navamsa chart signifies spouse and marital life. The Dasamsa

chart signifies profession and career. The maximum Vimsopak bal of a planet can be 20,

which will signify the planet will be beneficial for most aspects in life. An average strength of

10 will signify the planet will have mixed effects for different aspects of life. Less than 10 will

signify the planet will be mostly inauspicious in most aspects in our life. 3 Ashtakbarga Natal strength: This signifies the potential of the planet to deliver positive

results during transit in relation with other planets positive and negative effects. The

maximum strength can be 8, which signifies the planet can give outstanding results in

transit. For Saturn and Mars, if the Ashtakbarga strength is more than 3 units, it will mean it

will give generally positive results. For remaining 5 planets (excluding Rahu/Ketu) the natal

strength must be 5 units or more to have the potential to deliver beneficial results in relation

to all other planets. Your astrologer will consider all these factors before he makes his final judgment. His judgment will be as follows: 1 Outstanding 2 Excellent 3 Very good 4 Good 5 Mixed 6 Challenging 7 Most challenging House Location of Planet: The house where the planet is located, it‟s effects will be maximum for that house in your life.

This will be followed by the Lords of houses that the planet rules in the chart. A planet will also

give results for the houses that it aspects. Which aspects of your life each house signifies, you

can read in the explanation of different index given in the Karma index table. Compare the overview of year 2013 and year 2014 We will use Karma index table to show you how the overall Karma index value and each of

the specific index value got accumulated for you during year 2013 and it will be accumulated

for you during year 2014. You can actually compare the yearly accumulated index values for

2013 and 2014 and then make an informed guess about year 2014 and what you can expect

in 2014 and in which areas of life.

Yearly Accumulated Index Value

From To Soul

Wealth Efforts

Happiness

Creativity

Disease Spouse Windfall Destiny

Vocation Desire Detachment Karma

Date Date

01- 31-

Jan- Dec- 518 99 339 155 119 175 635 254 410 111 339 231 538

2013 2013

01- 31-

Jan- Dec- 490 378 711 61 282 276 929 153 737 96 711 432 681

2014 2014

Best >= 1000 Mixed < 1000 And >= 300 Average < 300 And >= 50 Worst < 50

Please go through this explanation of Karma index and the significance of each index given

below. 1

st House

Soul Index: This gives the progress of astrological signature for the Soul. As such, this Index signifies the

health of our inner and outer self and how we are building up our physical and mental

potential. It represents the inner self (the Soul), and the outer self (the Body). It indicates the

way we project ourselves--our behavior and attitude to the external world, as well as our

physical attributes. 2

nd House

Wealth Index This indicates the progress of astrological signature for our capacity to accumulate material

wealth. It projects our earning capacity through our own efforts and represents how we are

managing the surplus between our income and expenditure of material possessions to create

a continuous flow of wealth. Since such wealth can be used for the prosperity of our entire

family and society, this index will also signify the material prosperity of our entire family and

our extended family. 3

rd House

Efforts Index This represents our basic energy in life and gives the progress of astrological signature on

how effectively we are utilizing our inherent courage and efforts. This signifies the impulse and

intention that drive us, and monitors whether we are being able to bring forth our full potential

into our Karma or not. Since our siblings and friends are meant to help us in our efforts, this

index also signifies the astrological signature for the prosperity, and our relations with our

siblings and friends. A logical extension of this is that this index reflects our capacity to project

our will on the external world, our overall communication effectiveness.

4

th House

Happiness Index This gives the astrological signature of our capacity to feel good, and our basic emotional

nature determining our capacity for joy in this life. Thus, this index signifies our physical and

emotional security level, and monitors our capacity for rest and relaxation as well as peace of

mind. The logical extension is that the index should capture our accumulations of creature

comforts like good house, conveyance and other luxury items of comfort. On an emotional

level, this index will measure our comfort level with our mother, family, motherland, in general

everything that constitutes domestic bliss for our life. 5

th House

Creativity Index This gives the astrological signature of our potential to create new things and new ideas. It

monitors how creatively we are utilizing our knowledge, our karma, our desire and our efforts. It signifies our level of intelligence. Thus when we are young, this index will give the signature for our educational and academic achievements. This index is also one of love, specifically for children. The finest example of our desire and sensual pleasure is the birth of our progeny from our union of love. Thus, this index gives the astrological signature for the well being and prosperity of our children. This index also captures our feelings of love and romance for

another person. It tracks infatuations and love affairs but not relationships of long-term commitment, which are represented by the Spouse Index. 6

th House

Disease Index This gives the astrological signature for disturbance of ease in our life. Disease actually

means Disturbance of Ease ' for any aspect of life. If it is disturbance of ease for the physical

body, a negative value of index will represent ' illness '. If it is disturbance of ease in vocation,

the negative value of index will represent enmity, obstacles, litigation, and debts. It normally

signifies oppositions, difficulties and obstacles in life. A positive value of index will represent

that we are being able to carry out all our ' Karma ' without any obstacles, and even if there

are obstacles we will be able to overcome them successfully. 7

th House

Spouse Index This gives the astrological signature of our relationships with our partners in life, and also

signifies their well being. The most important partner in our life is our life partner and that is

why we call this index the ' Spouse Index '. This will also indicate our successes and failures

in our business negotiations, and in trading activities. It will also indicate relations with our

business associates and partners. This index also captures astrological signatures for short

journeys that we may undertake. A positive value of the index will mean successful short

journeys and a negative value of the index will mean problems and difficulties in such journeys 8

th House

Windfall Index This gives the astrological signature for sudden unexpected fortunes and misfortunes. Though

windfall is usually associated with gain, we are using this term to signify both unexpected

gains and losses. These events are not expected, strike suddenly and seem to be

unavoidable. The positive index value signifies unexpected monetary gains like unexpected

inheritance, or gains in gambling, speculation and lotteries. It also signifies unexpected new

opportunities and contacts, which will be profitable. The negative index value signifies the

reverse--calamities, accidents, and losses in speculation, gambling and even death. As

mentioned already, these are the results of past Karmas and Destiny and, according to us,

this is that one index which probably cannot be altered by our own efforts. The difference

between the Disease index and this index is that the Disease index is not unexpected and

sudden, but this one is. However, one can make contingency plans through one's efforts to

minimize the impact. 9

th House

Destiny Index This gives the astrological signature for our "Destiny". It represents our prime values,

principles, and ideals as well as spiritual and ethical disposition. It signifies the honour,

prestige, recognition and acceptance we will receive in this life. If this index is positive and

going up during a particular period, it signifies that Destiny is favorable to us and whatever

efforts we put in will produce favorable results. If this index is negative and going down, it

means destiny is unfavorable and we will have to put additional and more creative energy to

achieve success in our efforts. 10

th House

Vocation Index This gives the astrological signature of how we will progress in our Vocation, how we will

perform our ordained duties and the effect of our actions upon the world. Thus, this index will

depict our professional success and failure, and our social status, power and influence. This

index will also depict the well being of our father like the Happiness Index represents the well

being of our mother. In general this index will signify our relations with Government, our

superiors and people in authority. 11

th House

Desire Index This gives the astrological signature of how our desires are being fulfilled. Thus, this index

depicts actual material gain or income that we achieve through our efforts, creativity, and our

vocations. A positive value and upward trend may indicate that our gain may be even higher

than the efforts that we are actually putting. Similarly, a negative value and downward trend

may indicate that our gain will not be commensurate to our efforts. 12

th House

Detachment Index This gives the astrological signature of how our material and physical assets are getting

detached from us. This index will depict our material outflow, expenditure or losses. Thus, a

positive index will denote expenditures for profitable investments, or expenses for a noble

cause like charity. In today's global economy, a positive index can also mean successful and

profitable foreign relations and ventures. A negative index will indicate investments turning

sour and expenditures purely for gratification of our senses and physical desires.

The year number for 2014 and its impact for you

Your Year Number is 1 The ruling planet of this year is the Sun. This is a year of importance, a year of

overall prosperity.

During this year you will:

Feel sprightly-both mentally and physically

Have important changes for the better Meet new people who will prove helpful in future

Work without stress and strain Remain free of fear and worries

Attain fame

If you plan ahead and remain organized, you are bound to achieve success. This year is good

for appearing at competitive examinations, starting a new venture, buying plant and

machinery. If you are involved in the arts whether writing, music or painting, you would make

significant compositions, which would earn you, fame.

Overview on different aspects of life

Health: Your health will mostly remain good. Capricorn ascendant born people generally do not

suffer from that much or from any chronic illness however prevention is always better

than cure hence even minor niggle must be address properly to avoid major issues in

future. No major setback or problem is indicated as far as your health is concerned. Profession: Saturn is your favourable planet and it is placed in the 9

th house of destiny in your natal

chart and 1st

house in your Navamsha chart hence if you are into profession then certain this year will bring positive and opportune changes in your favour. New opportunities will knock at you and there will be general feel-good factor all around. Change of place or short travels are also on the cards during 2014 journey.

Finance: You are generally sensible about pecuniary matters however sometimes you may have

wasteful hand therefore 2014 will remain rather a moderate year as far as your financial

matters are concerned. There would be regular and miscellaneous expenses during this

year. You may even decide to purchase any new gadget or equipment. Expenses after

self, entertainment, travels and progeny are foreseen during 2014. Relationship: Your conjugal life shall remain mostly harmonious however since transiting Saturn is

also aspecting 7 th

house and your natal Sun and Mercury hence occasional flare-ups

cannot be ruled out completely. You must prioritize your domestic matters and give prerogative to the understanding and better cooperation with your better half. Last quarter of the year is likely to run relatively better for your conjugal as well as domestic. Despite feeling occasional stress, you may be able to handle things quite effectively.

THE PRESENT ASTROLOGICAL SIGNATURES:

Transit Signature in the Year 2014 (The slow moving planets)

Transit of planets in Vedic astrology is known as „Gochara‟. It is seen that often the events

happen during and due to the movements of planets during transit. However it is also seen

that though a transit is beneficial there is no major improvement in life. Below is your potential

for the transit of the present slow moving planets, which will give you an idea of their

possibilities. Transit of Saturn: Saturn would be transiting in the sign Libra till 2

nd November 2014. Its transiting

influence would have positive influence for your general life as it will transit through the

10th house from your natal Moon and ascendant. Saturn is placed in the 9th

house of

destiny from your Ascendant and 9 th

house Saturn deems to be auspicious although Saturn tends to confer belated results and create initials obstacles. 2014 would be a good year for your health, finance and domestic life.

Transit of Jupiter: Jupiter would be transiting in the sign Gemini till 18

th June, 2014. Then it would be transiting

through the sign Cancer, its exalted sign. The analysis indicates that its influence would be

mixed for you in general till end of 2014 as Jupiter would be transiting through your 6th

house

and then 7th

house and over your natal Mars and Saturn and Mercury respectively. Jupiter‟s

transit through 7th

house post 18th

June, 2014 will remain relatively better than its transit

through your 6th

house.

Transit of Rahu: Rahu would be transiting in Libra & it will stay there up to 13

th July, 2014. The analysis

indicates that you may experience travels related to your occupational matters or else there would be new opportunities coming in your way. If you into active service life then

change of place or relocation is also indicated. Transiting Rahu will be aspecting your 4th

house hence some domestic worries and responsibilities may make you preoccupied.

Rahu will move to Scorpio after 13th

July, 2014. It will stay here for one & half year. This is moderate period to some extent for you. Transit of Ketu: Ketu would be transiting in Aries till 13

th July, 2014. You are advised to remain careful

while dealing with any matter related to domestic matter as 4 th

house Ketu may create expected domestic problem and commotion hence you must administer calmness and judiciousness. It would be beneficial for you to maintain cordial relations with your family members especially with your progeny and better half. Ketu will move to Pisces after

13th

July, 2014 & it will stay here for one & half year. This transit of Ketu will remain moderate for you in all respect.

Month wise status for 2014 as per month wise Karma index Values

From To

Soul Wealth Efforts Happiness Creativity Disease Spouse Windfall Destiny Vocation Desire Detachment Karma

Date Date

01- 31-

Jan- Jan- 49 31 -40 8 -19 63 -70 21 -65 33 -40 -1 16 2014 2014

01- 28- Feb- Feb- -49 71 15 -28 26 27 7 -52 -2 -6 15 7 0 2014 2014

01- 31- Mar- Mar- 18 56 19 -50 6 22 27 -32 -11 16 19 11 7 2014 2014

01- 30- Apr- Apr- 204 22 -1 -13 -27 90 51 64 0 72 -1 20 100 2014 2014

01- 31- May- May- 6 -25 -104 8 -6 -56 -32 26 -104 45 -104 -71 -18 2014 2014

01- 30- Jun- Jun- 27 16 -12 26 50 -16 113 24 50 33 -12 -27 78 2014 2014

01- 31- Jul- Jul- 89 26 -5 -12 61 -49 177 41 55 79 -5 -39 97 2014 2014

01- 31- Aug- Aug- -130 -44 50 -123 -9 -156 114 -135 13 -88 50 -17 -126 2014 2014

01- 30- -28 -58 64 -15 -29 -7 62 -48 74 -89 64 38 -24 Sep- Sep-

2014 2014

01- 31- Oct- Oct- 82 94 308 76 44 193 115 43 295 -65 308 233 160 2014 2014

01- 30- Nov- Nov- 85 134 223 79 96 123 150 73 221 22 223 156 188 2014 2014

01- 31- Dec- Dec- 136 55 193 106 89 40 214 130 213 43 193 123 202 2014 2014

Best >= 100 Mixed < 100 And >= 30 Average < 30 And >= 5 Worst < 5

Please go through explanation of index values as given above and analyze the month wise

each index value accumulated. Dasha Signature:

Principles of Dasha System: The Dasha Vichar or planetary periods of Vedic Astrology provide a unique and

comprehensive system for judging the effects of planets throughout the development of our

lives. They are the most accurate system for showing how the planets distribute their effects

through time and the different stages of our lives. The most common of these systems of planetary periods is the Vimshottari Dasha or the "120-year cycle". This follows a predetermined sequence, the starting point of which is determined by the longitude of Moon at the time of birth. In it, each of the seven major planets plus the

two Lunar Nodes are given specific periods. This entire life span is divided into different main periods of planets and within this main period, there are sub-periods of all the planets and then each sub-period can be divided into sub-sub-periods of planets. The effects of the planets become most operative during the Main Dasha or the sub-Dasha. The transit effects and the relation between the Main planet and the sub-planet also determine whether the good effects will be more predominant or the bad ones.

We give your Dasha Table below:

Your Dasha Table

We will give the forecast for the year 2014 based on the planet periods, sub periods and sub

sub- periods in your life and during the year. These forecasts are based on the nature,

strength and roles of planets in your life as per the planet table and house table. Our forecast

is also based on the actual transit of planets during the year 2014 and what relations or

aspects they are making with the planets in your natal chart.

Dasha Signature in year 2014:

You will pass through the sub period of Rahu will continue till 3rd

February 2016. Rahu is

placed in the 2nd

house of finance in your natal chart. Although Rahu is an auspicious planet for you however 2

nd Rahu may cause unplanned

and unavoidable expenses hence you must have enough means to counter future emer-

gencies. 2nd

Rahu may also create health related problem especially stomach and di-gestive system. Health and your finance may remain stable and sound during 2014. However having said this, minor niggle may arise therefore you need to take timely precaution through

medical advice and medication if needed. Jupiter‟s transit from 18th

June, 2014 onwards

is going to be favourable for you in general. 10th

house Rahu is not considered bad and

after 13th

July, 2014 Rahu will be transiting through your 9th

house of destiny and over your natal Saturn and this transit of Rahu will remain favourable for you. During this year, you will get mixed results in most undertakings as the yearly Karma In-

dex is of 681. Your soul index is mixed of 490 & the disease index is average of 276 for

2014, and although no major setback is indicated however you must ensure medical

check-ups and follow-ups with medical practitioner if necessary.

The Year 2014 in detail:

Astrologically, I will divide the period under consideration for you into four distinct phases

based on the sub-sub periods that you will encounter during the next year. Phase I: Saturn-Rahu-Jupiter: 01

st September 2013 to 18

th January 2014

The period is relatively moderate for your profession, personal life, love, affection, social

status as well as pecuniary condition. There may be occasional flare-ups with family

members particularly with your better half. Your mental frame will remain average how-

ever you may require to pull up your socks and take bull by its horns. Health is likely to

remain okay during this phase.

Phase II: Saturn-Rahu-Saturn: 18th

January 2014 to 02 nd

July 2014 This is a good period for your domestic life as well as finance. You may decide to have

some investment and old policies may get matured. If you are into active service life,

then there will be recognition of your efforts and initiatives. Occasional frictions with fam-ily members cannot be ruled out completely. Short family trip or travel is on the cards. If

you have already taken superannuation or even on the verge of getting golden hand-shake then this period is likely to run opportune for you as you are expected to end your

long career journey on a happy note. If you are already retired then you may want to en-

gage yourself with sporadic activities and may be inclined to take short-term job.

Phase III: Saturn-Rahu-Mercury: 02 nd

July 2014 to 26th

November 2014 This time frame would be favourable for your finance, health and domestic tranquillity.

You may get good success in your endeavour and you will feel positive about your ac-

tions. Understanding with near and dear ones and kith and kin may get improved.

People around you may seek your advice to get things done. Financial aspect is likely to

get bolstered. No setback is indicated during this phase. Phase IV: Saturn-Rahu-Ketu: 26

th November 2014 to 26

th January 2015

This time frame would be unfavourable and negative for your finance, health and do-

mestic tranquillity. There will be difficulties in getting your tasks completed and health

may also give you some trouble. A sense of discontent may prevail over your general

life. You need to stay positive and focused. You should pull up your socks and take

things in your stride during this period of time in your general life.

Special comments on your concerns:

Your First Concern: Relationship and finance Answer: Finance is likely to remain stable however unavoidable and planned expenses will

be there in your financial life. You may do some investment and even old policies are also

likely to get matured. You may come across additional source of making money however

expenses will also be there to confront you. Inflow of money will be good however you just

need to check that there should be balance between inflow and outflow of money so that you

can effectively balance your budget. As far as relationship and conjugal life is concerned, there will be difference of opinions or

small arguments with your better half. You need to ensure that mole must not turn into a

molehill. Forbearance is essential to traverse through the trying times in conjugal life. It is not

necessary to agree on each and every terms and things with your wife however if things are

handled tactfully then unpleasant situation can be avoided. Last quarter of the year will see

through more bonding and better understanding with your better half. Your Second Concern: Health / Diseases

Answer: Till 18th

June, Jupiter will transit through your 6th

house of physical maladies and over your natal Mars hence your health will remain stable and sound save and except minor

niggle. Post June, 2014 Jupiter will be transiting through your 7th

house of conjugal life. You

are undergoing Saturn major period and Rahu major period and Rahu is placed in the 2nd

house hence you must be careful about stomach related problem, acidity, wind imbalance, indigestion and gastric problem. Nothing serious is foreseen during the year 2014. Any health related problem must be attended with due care and prompt action.

Astrological Remedies:

Please wear a Diamond / Zircon of about 5 to 6 carats in potency/weight studded in a

silver ring, the little finger of your right hand. The gemstone should be genuine & superi-

or and should be worn regularly but first put it on a Friday morning, after bath & prayers.

This is needed for your health, finance and general happiness as Venus is your yoga-

karaka planet however it is ill- positioned in the 8th

house of adversities with inimical

Ketu hence empowering Venus will remain beneficial for you. You should also wear a planetary Yantra for destiny Lord Mercury to bolster your luck

related factors. For further details please visit our web site.

On behalf of CyberAstro.Com Astrologer

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