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 What will happen to your Job, Money, House & Loans in The Next 12 Months-A Blue Print for Navigating the Financial Minefield- The  9:12- The Guruji Shrii Arnav’s Way.

&

 Why I stay completely away from A class IPE’s  Masquerading as Relationship Managers, Finance Exports, Clerks pretending to be Bankers Completely- SBC 

Where SBC= Stay Behind completely.

Don’t know How to use a fork and a knife and have to talk about money & finance- SBC 

Here Also SBC means the same- You DARTY MIND.

Tell Me My Lucky Gemstone

 Attention: LONG AND BORING POST AHEAD-BUT AT THE SAME TIME IMPORTANT AND ESSENTIAL POST.

But first respect to my readers and true followers:

Jaldi Jaldi Boss Krub- My Malik- 

Of course- Of course.

The choice is between the Devil and The Deep Sea

Nothing in the world comes for free

For Wee or Pee there is a Fee

Without Money

She He Or Bee

Everybody will flee

 This is the answer- provided you have not forgotten the question posed in the title.

Pan  Matbal Kya hai Iska Boss-

Koi Nahi- Batate Hain

If You Feel that the Pandemic was the worst time for finance and commerce

Welcome

Your data is about to be corrected.

When- Just 15 days from Now. 

चाहे करो करम

चाहे करो धरम

जेब रहे गरम

तो दुनिया रहे नरम

गुरूजी तोड़े भ्रम

फिर काहे की शर्म

बोल बम

बोल बम

बोल बम

But Simple Meaning:

 Despite all PR Jobs and media management people will struggle finding adequate money for their needs and most will be stretched.

 Liquidity will be severely hit, there will be erratic income inflow, Job security will be a threat.

So conclusion 1

If You have some kind of job or profession that is ensuring some kind of income inflow- hang onto it for dear life and guard it as you would to dear life- Just Last month there were 1,00,000 tech layoffs in Bangalore alone.

So conclusions 2

 Stop playing God

 Defer all schemes/ plans / investments that will change your life in a blink in your imagination.

 Use the next 12 Months to observe, educate, train, course correct, fine tune your bigger plan and then if you have followed the above till now- You will be fine in September 2025- Read- Still Alive and floating.

 Pan - Phir Bhi Matbal Kya Hain?

Matbal Yeh Hai- Maine to bataya hi tha koi bhi Cream Lagao- Shakal To Badlegi Nahi.

 मतबल यह है - मैंने तो बताया ही था कोई भी क्रीम लगाओ शकल तो बदलेगी नहीं 

In Simple Genteel Words- Respect what you are doing, respect your skills, Respect your profession, Respect the hand that feeds you and be together for each other- No Banker or Agony aunt will help you except making you feel good by listening to your terminally unique concepts.

Remember - they will not help you with Money- As Because they don’t have it.

And the Big One

IF NOTHING CHANGES THEN NOTHING CHANGES

Its time to leave dirty, self- defeating habits if you want to live a life of dignity and at a higher level help your family, juniors and others.

Pan

 Samajh To Gaya Hi Hoga Tu

In Video 

 If you view the video and what I say in it, you are going to get a reality check and if you think I do random things.- This is the time that you will get a bulb lit up in your head.

At first. It might sound funny, but at a deeper level, it is perversely ironical and realistic, and has a deep and profound financial meaning and implication .

 What you should learn from this video, specially for the next 12 months is that circulation of money and respect for each other skills is the most important thing.

If you ensure that your money is circulating and at the same time, you can help each other- It will be great, and that is the end of it, and there is no need to read this post further.

 Guruji’s Economic Guru’s

 I want to dedicate this post to 4 giants who had a profound impact on my life, specially the foundation of any financial acumen- If I have any and these four Giants are

 Adam Smith, the author of Wealth of Nations

 Respected PV Narasimha Rao Saheb

 Respected Manmohan Singh Ji

and of course

The respected professor of professors and The Nobel Prize Winner

 Dr. Amartya Sen

 Why Guruji Stays away from economics and mathematics or for that matter just about anything:

 Economics as in mathematics, the way they are explained and taught by people with pedestrian abilities have been subjects- I try to stay away from as Becauze…

mine is a colourful  and an exciting life at least in my own headspace,

and I would like to keep it that way, but respect for these giants why?

 Adam Smith, because of the wealth of nations. This compendium is a superstar for all situations, all seasons and all economic conditions.

I personally stick my head out and say that if the wealth of nations is interpreted and applied in the right measure and spirit, all nations can do reasonably well and so can individuals.

 Narasimha Rao Sahab and Dr Manmohan Singh Ji ( Both Honourable Former Prime Ministers of India) in their own right, but their biggest contribution was the economic liberalisation of India in the year 1991, that set the ball rolling for India becoming a financial behemoth eventually, and giving the power of spending and consuming what they want, and how they want to the Indian consumer

 That Cadbury chocolate you are eating after hitting that six of the last ball- and that eye candy of a girlfriend- coming in to hug you-

 All that is courtesy: Messers M/S Rao and Singh- Respect

 Now- let me tell you that in the in the year 1999 when I became the Mr Super brain of India in the competition,

success review contest,

which you cannot buy or purchase or influence.

In the preliminary round. I had written the essay on liberalisation of the Indian economy and it was chosen as the best entry of that month making me qualify for the final rounds of contest.

One of the esteem judges of the competition and of the worthwhile entries was Dr. Amartya Sen and what he had to, share and say to me is a lesson which only a true teacher can give . Thank You Prof Saheb But Still I would

prefer that rare , closely guarded Green Lipton with Crunchy Murmura served by Pishi than those economic formulae

 So- if you connect the dots between my winning the Mr. Super brain of India contest in 1999, and now the four giants described above, you will know that I can share with you sane and actionable financial advice with my name and the branding of Gemstoneuniverse that can help you lead a good life.

Best Gemstone Recommendation in India | Best Gemstone Astrologer | Guruji Shrii Arnav

 I do not promise 18 to 24% returns winning at a lottery etc, but what I know is, and what I share below will ensure that you will have food at the table, Children going to school and have a life of dignity.

 Now It’s Upto You- To take it and leave it.

Now

Boring data below with an announcement- This is what I say, I stand for.

Stuff that periodicals, journals, News people may Like

And Why BC financial manager or whatever accountant should first read before calling and saying

Sir- I am your new relationship manager

 SBC G

 Where SBC- G Stay blessed and compassionate God

 - Samajh to Gaya Hi Hoga Tu- Kach- Re.. Kajrare. Kajrarae.. Mere Kale Kale….

 SBC- You Dirty Mind- I said it this time.

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 The World’s Economic & Financial Scenario for The Next 1 Year: 9 Predictions and 12 Tips—The Guruji Shrii Arnav’s  9:12 Way- Yes- Here we go again.

This is important for the world and those in the Know- What to do with This.. You can skip this part..

 1

As we stand on the precipice of a new financial era, the world finds itself engulfed in confusion, uncertainty, and the throes of economic upheaval.

From fluctuating markets to shifting geopolitical dynamics, the global landscape is both volatile and unpredictable.

In such times, clarity becomes a rare commodity, and the need for a guiding light is more critical than ever.

 That Light Is- The One Light

The 9:12—Guruji Shrii Arnav’s Way offers not just predictions but a comprehensive roadmap to navigate these turbulent waters.

Through a fusion of ancient wisdom and modern insight, we present a vision that is not only accurate - as Becauz - As per science People but also actionable.

 This is more than just an analysis—this is the way forward. 

 2

State of the Job Market and Liquidity in the World:

 In the current global environment, the job market remains in a state of flux. While some sectors are experiencing unprecedented growth, others are contracting, leaving millions in uncertainty. - Basta Bandh Le Bhai.

Liquidity, the lifeblood of the economy, is being tightly managed by central banks worldwide, causing ripples across markets and industries. The interplay between these two forces—employment and liquidity—will define the financial landscape of the next year.

 3

For SBC Naukars masquerading as Financial Officers- BC MF

9 Economic Predictions for the World:*

1. * Global Inflation Pressure*: Inflation will continue to rise across most economies, driven by supply chain disruptions and energy costs.

- * 9:12 Guruji’s Formula: **Inflation **Rises **Again—IRA*

2. * Digital Currency Expansion*: Expect significant growth in central bank digital currencies (CBDCs) as nations seek to control and innovate within the digital financial space.

- * 9:12 Guruji’s Formula: **Currencies **Evolve **Digitally—CED*

3. * Energy Crisis Escalation*: The ongoing energy crisis will deepen, particularly in Europe and parts of Asia, leading to economic slowdowns.

- * 9:12 Guruji’s Formula: **Energy **Crisis **Escalates—ECE*

4. * Interest Rate Volatility*: Central banks will increase interest rates to combat inflation, causing market fluctuations.

- * 9:12 Guruji’s Formula: **Interest **Volatility **Surges—IVS*

5. * Supply Chain Realignment*: Global supply chains will undergo significant restructuring as countries seek to reduce dependence on vulnerable regions.

- * 9:12 Guruji’s Formula: **Supply **Chains **Reshuffle—SCR*

6. * Tech Sector Booms*:The technology sector, particularly AI and biotech, will see accelerated growth, becoming a key driver of global economies.

- * 9:12 Guruji’s Formula: **Technology **Booms **Ahead—TBA*

7. * Commodity Price Fluctuations*: Commodities like oil, gold, and agricultural products will experience high volatility due to geopolitical tensions.

- * 9:12 Guruji’s Formula: **Commodities **Fluctuate **Vigorously—CFV*

8. *  Debt Management Challenges*: Many nations will face challenges in managing increasing debt levels, leading to austerity measures in some cases.

- * 9:12 Guruji’s Formula: **Debt **Management **Crunch—DMC*

9. * Geopolitical Risks Heighten*: Geopolitical tensions, particularly in the Asia-Pacific region, will lead to increased economic uncertainty.

- * 9:12 Guruji’s Formula: **Geopolitics **Unsettles **Markets—GUM*

BIG BIG BIG One

Replace formula with Prediction

Even Bigger One

Replace Formula with Says.

Yes  9:12 - Guruji Says

As Becauz=Kyonki

Na Khata Na Bhai

Guruji Kahe So Shai

 Follow this formula- For all material presented down and henceforth

---

 4

9 Economic Predictions for India:

1. * Resilient Growth*: India’s economy will continue to grow despite global headwinds, supported by strong domestic demand.

- * 9:12 Guruji’s Formula: **Resilient **India **Growth—RIG*

2. * Agricultural Modernization*: Significant investment in agriculture will modernize the sector, boosting productivity and exports.

- * 9:12 Guruji’s Formula: **Agriculture **Modernizes **Boldly—AMB*

3. * Digital Economy Surge*: India will see rapid growth in its digital economy, particularly in fintech and e-commerce.

- * 9:12 Guruji’s Formula: **Digital **Economy **Rises—DER*

4. * Energy Independence Initiatives*: India will push for greater energy independence, focusing on renewable energy sources.

- * 9:12 Guruji’s Formula: **Energy **Independence **Achieved—EIA*

5. * Real Estate Revival*: The real estate sector will see a revival, driven by affordable housing projects and urbanization.

- * 9:12 Guruji’s Formula: **Real **Estate **Rebounds—RER*

6. * Healthcare Expansion*: The healthcare sector will expand significantly, with a focus on infrastructure and accessibility.

- * 9:12 Guruji’s Formula: **Healthcare **Infrastructure **Growth—HIG*

7. * Manufacturing Boost*: The ‘Make in India’ initiative will gain momentum, driving growth in manufacturing and exports.

- * 9:12 Guruji’s Formula: **Manufacturing **India **Boost—MIB*

8. * Education Sector Reforms*: Significant reforms in the education sector will enhance skill development and employability.

- * 9:12 Guruji’s Formula: **Education **Reforms **Implemented—ERI*

9. * Infrastructure Development*: Continued investment in infrastructure will support economic growth and connectivity.

- * 9:12 Guruji’s Formula: **Infrastructure **Investment **Grows—IIG*

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 5

Impact of Extraordinary Conditions:

 Extraordinary global events such as the ongoing Russia-Ukraine conflict and the upcoming US Presidential elections will cast long shadows over the global economy- Mark My Words- Legends plan and pivot accordingly.

These events will influence energy markets, trade policies, and investor sentiment, creating both risks and opportunities.

 6

12 Suggestions/Ways for Governments for Better Finances:

1. * Diversify Revenue Streams*

- * 9:12 Guruji’s Formula: **Diversify **Revenue **Sources—DRS*

2. * Promote Green Energy Investments*

- * 9:12 Guruji’s Formula: **Green **Energy **Promotion—GEP*

3. * Strengthen Public-Private Partnerships*

- * 9:12 Guruji’s Formula: **Public-Private **Partnerships—PPP*

4. * Improve Tax Collection Efficiency*

- * 9:12 Guruji’s Formula: **Tax **Efficiency **Improvement—TEI*

5. * Enhance Infrastructure Spending*

- * 9:12 Guruji’s Formula: **Infrastructure **Spending **Boost—ISB*

6. * Expand Digital Governance*

- * 9:12 Guruji’s Formula: **Digital **Governance **Expansion—DGE*

7. * Control Inflation through Monetary Policy*

- * 9:12 Guruji’s Formula: **Monetary **Inflation **Control—MIC*

8. * Encourage Innovation and R&D*

- * 9:12 Guruji’s Formula: **Innovation **R&D* *Encouragement—IRE*

9. * Reduce National Debt Levels*

- * 9:12 Guruji’s Formula: **Reduce **National **Debt—RND*

10. * Increase Healthcare Funding*

- * 9:12 Guruji’s Formula: **Healthcare **Funding **Increase—HFI*

11. * Foster Sustainable Agriculture*

- * 9:12 Guruji’s Formula: **Sustainable **Agriculture **Promotion—SAP*

12. * Enhance Cybersecurity Measures*

- * 9:12 Guruji’s Formula: **Cybersecurity **Enhancement **Measures—CEM*

Interview Legi- Guruji Ka- SG

Tell Me My Lucky Gemstone

 7

This is Important and Good and Relevant For You:

12 Suggestions/Ways for Individuals for Better Finances:*

1. * Budget Wisely*

* 9:12 Guruji’s Formula: **Budget **Wisely **Always—BWA*

2. * Invest in Diversified Assets*

* 9:12 Guruji’s Formula: **Diversify **Investment **Portfolio—DIP*

3. * Save Regularly*

* 9:12 Guruji’s Formula: **Save **Regularly **Always—SRA*

4. * Limit Debt*

* 9:12 Guruji’s Formula: **Limit **Debt **Accumulation—LDA*

5. * Build an Emergency Fund*

* 9:12 Guruji’s Formula: **Emergency **Fund **Creation—EFC*

6. * Stay Informed*

* 9:12 Guruji’s Formula: **Stay **Informed **Always—SIA*

7. * Plan for Retirement*

* 9:12 Guruji’s Formula: **Retirement **Planning **Initiated—RPI*

8. * Invest in Health Insurance*

* 9:12 Guruji’s Formula: **Health **Insurance **Secured—HIS*

9. * Avoid High-Risk Investments*

* 9:12 Guruji’s Formula: **Avoid **Risky **Investments—ARI*

10. * Increase Financial Literacy*

* 9:12 Guruji’s Formula: **Financial **Literacy **Increase—FLI*

11. * Explore Passive Income Streams*

* 9:12 Guruji’s Formula: **Passive **Income **Exploration—PIE*

12. * Prepare for Tax Obligations*

* 9:12 Guruji’s Formula: **Tax **Obligations **Preparedness—TOP*

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 8- Lessons from The original Legends- The most important learning for the next 12 Months: Bible and the Book of Genesis: Ok Sis.. Long Time No See..

 In the Book of Genesis, during the time of famine in Egypt, Joseph, guided by divine wisdom, interpreted Pharaoh’s dreams and advised storing grain during seven years of abundance to prepare for the seven years of scarcity.

This foresight saved Egypt  from disaster.

The lesson here is clear: preparation and prudent management of resources in times of plenty will safeguard against future hardships.

 And I am closer than you think.

 9

The Astrology Behind It and everything:

 Astrologically, we are in a period marked by significant planetary transits that signal both challenges and opportunities. The alignment of Jupiter with Saturn suggests a time of restructuring- Yahi Prayas Hai

Where old systems give way to new paradigms. While the journey ahead may be fraught with difficulties, the stars also offer hope, indicating that through wisdom and deliberate action, we can navigate these complexities and emerge stronger.

 10

Divine Spiritual Knowledge Should Be Your compass:

*Bhagavad Gita*: “You have the right to work, but never to the fruit of work. Let not the fruit of action be your motive, nor let your attachment be to inaction.” (Chapter 2, Verse 47)

*Bible*: “For I know the plans I have for you, plans to prosper you and not to harm you, plans to give you hope and a future.” (Jeremiah 29:11)

 11

*Quran*: “Indeed, Allah will not change the condition of a people until they change what is in themselves.” (Surah Ar-Ra’d 13:11)

*Guru Granth Sahib*: “O Nanak, know this well: the One who created the creation, takes care of it as well.” (Guru Granth Sahib, Ang 1136)

 12

As we stand at the crossroads of history, the choices we make today will shape the future of our economies and our world.

Let us move forward with clarity, purpose, and the wisdom of the ages, guided by the principles of The  9:12—The Guruji Shrii Arnav’s Way.

 Together, we can rise above the challenges and create a world that shines with prosperity and peace. 

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Guruji Bole To

 "Together we rise, divided we stumble—let's unite, ignite, and create a world that shines." 

 QP- But you know- What just happened- I reversed* the Holy Trinity- Yes I just did- In front of the whole world..The Whole Wide World- Sing Along- ching Chong.. Ding Dong.

Let me not tempt fate

Lets Open the gate

Replace Reversed By Revered

 Guruji Sorry- Aap Aaram Kijiye- Woh Rangeen Sham Ka 06:30 pm wala Chu.. Hi Theek hai.. Aaram Karo please.. 

Par Yeh Guruji Khata kya hai Be?

Kuch Bhi Khata Hai- Sar Nahi Khata.

 So God bless you- Guard your job, circulate your currency, Be thankful to others in the ecosystem.

Give respect to get respect and most importantly, be happy and be there for each other.

God bless you, kal Ho na Ho- These words and This Post will remain enter. 

Main To Hoon Hi Galtiyon Ka Putla.. Chalo Chodo SBK

Consult Abhijita Ji

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 Above

 Search Guruji Shrii Arnav & The Power of 9

 12 Sacred Laws of Karma Meditation

 9/12: Power of 108

 Squaring the Circle-Circling the Square

 9/12- The Guruji Shrii Arnav way.

 MMBD- Madhu Makkhi Bitha Dijiye

 Namaste- I bow to your Soul

 One Light

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 Search Guruji Shrii Arnav “ Search Term”

……  Fill in the blanks that makes you happy

 .. Fill My Bank.

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From the desk of Revered & Beloved Guruji Shrii Arnav

Thank you, dear patrons & fans, - To keep us in your prayers & inspiring us to go beyond. You give us strength to follow our Motto –

“Deo Amabiles Et Hominibus” - Pleasing to God & to Men

May you be happy, healthy and protected! – Guruji Shrii Arnav

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Guruji Shrii Arnav

Spiritual Guru, Mystic, Mentor, Astrologer & Author. He is one of the leading experts & professionals in the field of gems and Gemology. He is also an Accredited Jewelry Professional from the GIA (Gemological Institute of America). He is the horoscope columnist and astrologer of the Deccan Herald-a Leading English Daily Published from India. He is widely credited with standardizing Gem Therapy & spreading the knowledge of Jyotish Gemstones at a larger scale.

He is the author of the internationally acclaimed book The Secrets of Jyotish Gems.

www.gemstoneuniverse.com is a leading online retailer of precious untreated Gemstones that have played a significant role in standardizing the online retail and e-commerce of Gemstones that are rare and highly-valued commodities

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