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What kind of investor are you? If you are trying to get ahead, we have you covered. This guide is an astrological guide for what you need to do, to get your house in order. We look at different styles matching different astrological templates. We offer a light-hearted look at what the choices are, based on your type of chart.
DISCLAIMER : this is not meant to be financial advice and the author is not a financial advisor.
Steven has degrees from the University of Cape Town in Computer Science and Applied Mathematics and has various certifications from BrainBench.com.
He runs an online consultancy using mathematical and statistic developmental tools and has an interest in astrology and the para-normal, going back 40 years. Steven specialises in financial astrology (which combines the skills of everyday astrology with the complexity of markets), corporate astrology and mundane astrology (that of nations and large-scale trends).
He is widowed with two sons, Brice and Ross and two step-daughters, Aviva-Liora and Sharon.
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Veröffentlichungsjahr: 2025
Introduction : astrology is a strategic tool
Money, money, money. We all need it and it's so damned elusive. Except for those who have it in abundance and spend it like water. But not to worry - we have you covered. This eBook will teach you secrets you never knew existed.
First of all, I am indebted to Robert Kiyosaki and his wife Sharon Lechter, for writing the series of books about ‘Rich Dad, Poor Dad’. I am not entirely convinced that the series of books offers the best advice, but it does explain the basics of modern finance, taxes and debt.
For those who have not read the series, I would urge you to do so, with the caveat above. I have heard - without knowing if it’s true or not - that the board game preceded the books and the books were written to sell the board game, instead of the other way around. Nonetheless, the practical knowledge is sound, while the recommendations I would say are ‘creative’.
Briefly, the series of books explains modern financial structures, particularly in America, but it’s transferable information to any society. If you want to Make Money with Astrology, its very wise to understand the foundations.
The two foundations of ‘Rich Dad, Poor Dad’, are simply this : (a) use debt to buy assets that generate income, and (b) set up your financial structures so that you can control what tax you legally are obliged to pay.
The boardgame focuses on getting out of the rat-race and into the fast lane. We all know what the fast lane looks like. We have seen it in others and wondered why their lives are so effortless. It’s not a trick. It can be done. But be aware that those showing off their Lamborghini’s definitely have not made it. They are pretender wannabe’s. True wealth is silent.
Reading this eBook won’t make you wealthy in just a few short lessons. But it will give you a sense of your style along with the right mindset and timing.
Financial stability comes in four forms : (1) never getting there, (2) trying to get there, (3) got there, (4) trust fund kid. If you gambled away a few dollars to buy this eBook,you are definitely in category (2).
There are two ways in which astrology can help you make money. The first is to guide you to what your natural style is. The second is to give you a sense of timing. There is no magic formula that gives you instant wealth. But if you follow the guidance, you will find a steady advancement which allows you to feel in control and make decisions which are more likely to be right than wrong.
DISCLAIMER
This eBook is meant as a guide to managing your finances in a factual but light-hearted manner. It’s not meant to be financial advice. The author is not a financial advisor.
What does your Sun-sign say about you
We all know it. We introduce ourselves by it. We swear on a bible that we are - or are not - exactly like our Sun-sign. So let’s first clear the table and define these signs.
Aries
Bold and impulsive. Likes to gamble. Enjoys the thrill of the hunt. Often oversteps the mark.
Taurus
Understands value. Remains cautious and careful. Prefers harmony and balance to all-or-nothing.
Gemini
Reads everything. Makes quick decisions. Happy to make a quick buck. But only a buck.
Cancer
Sticks to what’s safe. Thinks of the rent first. Gets sick in the stomach when things go south.
Leo
Loves to be seen on the track. Always optimistic. Success is always guaranteed. Until it’s not.
Virgo
Enjoy’s reading the fine-print. Studies the form. Knows a good thing and often misses it.
Libra
Balanced. Too balanced. Cannot choose the right dress for the occasion. Dithers. Starts again.
Scorpio
Puts all the chips on red. Walks away rich or poor. Either way, there’s simply no other choice..
Sagittarius
Thinks long and hard. Ponders the choices. Makes the right decision in the end. But too late.
Capricorn
Considers the long game. Misses the short-term profits. Plans too much. Dies broke.
Aquarius
Finds the out-of-favour investments. Is out of step with everyone else. Can win or lose big.
Pisces
Investment? What’s an investment? Indecisive, unsure and insecure. Likes to pick flowers.
Side hustles for the different elements
Fire signs (Aries, Leo, Sagittarius)
Bold action, buying cheap items on flea markets for resale. Flipping houses.
Earth signs (Taurus, Virgo, Capricorn)
Stable and structured. Making crafts from high-quality natural materials.
Air signs (Gemini, Libra, Aquarius)
Tech. Comms. Writing. Social media in all its forms. Thinks, writes, reads.
Water signs (Cancer, Scorpio, Pisces)
Be creative and heal yourself and others. Feel your emotions. Write stories and draw fairies.
Investor types
There are four different types of investors in the world, matching the four different types of financial stability mentioned above. I can list these in order of realism and attention to detail, matching their personality types.
Those that will never make money
Let’s be honest - some of us are unsuited to investing, saving or hustling. It’s not for everyone and not everyone has an interest in it. These could be for different reasons - someone working minimum hour pay with no motivation to improve isn’t going to. Someone who thinks big and has no ‘big money’ won’t get started. Someone buying a lottery ticket with the expectation that ‘someone must win, why not me?’, is looking for maximum gain at minimum effort. And it’s true that some very poor people do win big on a lottery ticket. Not often. But it can happen. This eBook is not geared towards those types of people.
Trying to get there
Here you are, saving the pennies in the expectation that the future is brighter than the past. You have found the right eBook. This is for you. Because we know where you are and what you want to achieve. Our goal is to help you get there. We cannot make you rich but we can explain what your options are. Astrology gives you a roadmap.
Got there
Somehow, you clawed your way out of the morass and into the fast lane. Great. Now hang on to it. Because too many people get sucked into a lifestyle of quick cars, fast women and expensive get-aways. All traps designed to transfer wealth between pockets. All truly wealthy people know one basic fact of wealth - hang on to the capital, spend the interest. This is good advice. Preserving the assets will always keep you wealthy. Diversify. Adjust for inflation. Think longterm.
Trust fund kid
Here is where we describe “old money” and this is the true aim of any aspiring accumulator of wealth. There is a well-known expression that says “Shirtsleeves to shirtsleeves in three generations”. It means that wealth amassed in one generation through sheer hard work, gets mismanaged by the second and lost by the third. The real meaning is that unless wealth is looked after, generation after generation, it gets squandered by those who have no idea how to manage money. Trust fund kids should be brought up to manage money the same way it was earned - through hard work and long-term planning. That’s why the truly wealthy seek out opportunities that only manifest in decades to come. For example, buying an empty plot of land in the middle of nowhere may seem a fruitless waste of money. If it cannot be farmed it earns no income. If it’s too far out of town, it cannot be developed. Useless, right? Maybe not. Maybe it has something that cannot be exploited now, but perhaps in a hundred years it could be. Underground water supply too deep to extract now; close to a potential new mining development that is locked up in litigation for years to come; or perhaps good fertile soil with an oil spill which will take decades to clean up. All good reasons to buy cheap and hold on. Money isn’t the problem - greed and short-term profit is. The wealthy will look at potential measured in decades. Spending $1 million now, to get a return of $100 million in 50 years time, is good business.
The truth about hot tips and the next best thing
If you think you are getting a great tip, which you were told about in secret, under penalty of ex-communication from your secret club, guess again. You are most likely getting a tip from someone with an agenda. The worst of these schemes are called ‘pump-and-dump’. Someone buys into an asset, ‘pumps’ up its prospects and then ‘dumps’ into the rally. More innocently, an honest tip is offered in good faith, but the moneyed class has already got in a long time previously and at much better value. It may be the next best thing, but the price you pay is over-inflated for what you get. You may miss out, but nine times out of ten, you won’t. Bitcoin for example, can never go down, right? It’s a sure thing. Buy and hold because it's going up to the moon. Bitcoin dropped a staggering 83% of its value between Dec 2017 and Nov 2018. If you think that was its only substantial loss, you would be wrong. A gut wrenching 73% loss occurred between Oct 2021 and Dec 2022.
Timing your investments with astrology
The most popular timing choices are new Moon/full Moon positions, Moon movements are seen as short term activities. A gardener may plant seeds on a new Moon as a symbolic gesture, the theory revolving about the gravitation energy which promotes leafy growth. .
Since this occurs monthly, it cannot be used for serious long-term decision making. For that, we need to look at the slower planets where movement is more exact. Planetary movement is divided into forward and retrograde motion, with static periods in-between called stations.
The retrograde action of a planet occurs when it appears slower than the earth's movement around the Sun. While it looks to be moving backwards, it's only backwards relative to our own movement.
People often look at Mercury retrograde periods for quiet reflection and decision-making. The three-week period which occurs four times a year, gives us a chance to consider the last period and rectify what went wrong.
On the other extreme, Pluto changes direction twice a year; first retrograde, then forwards again. The forward motion is the ideal time to start any new venture or take any major decision but as always, it needs to be considered in relation to everything else.
Branding with astrology
Here’s a suggestion that not too many people know about. A business can and does have an astrology chart. Many more than one. Most people have never heard about this, because it's not widely understood or able to be identified.
Like a baby being born, a company is also born. And here’s the catch. We almost never know when. It starts off as a concept, then a business plan. Perhaps,the owner finds a rented location for trading. Change of name, listing on a stock market, or buying out the competition all produce new charts which overlay the original. In most cases, we will have records of the date but never of the time. And the time is critical. The time defines the house-split and without it, we lose the chart identity.
If you don’t own a business but decide you want to make money with astrology, you are really rebranding the business side of yourself. That part of your life which says : “I can run my life in one way and my income generation totally separately”. In this situation, you have a business. Undocumented. Unregistered. But it's yours.
To create a new branding opportunity for yourself or your company, you need to start afresh. Either set up a chart in advance with a specific new image in mind or record the date and time of a key event in real-time. For example, if you have a retail store with a totally new type of product to sell, you can set your ‘time of birth’ chart to when you open the doors to the public for that product. This does not refer to selling a new range of toasters alongside your old range of kettles. That’s not a rebranding. Moving away from cheap kettles to top of the range kettles with the intention of attracting a totally new type of customer, very definitely is.
If you have a business and want to rebrand so as to make money with astrology, the best way to do it is to carefully plan a significant change. You can either set the date and time based on when you first start the planning, or plan it around a relaunch and use that timestamp as your new ‘birth’. Alternatively, you can make a conscious effort to re-identify your business to align with a new chart, in which case your re-brand is the overall wrapper of what you do.
Advantages of rebranding
Setting your public image and colour scheme
Defining your personal role
Identifying blind spots or inherent weaknesses
Redefining your product, service and ideal customer
Examples :
You run a bespoke marketing service and want a small but wealthy clientele. Consider the placements of Mercury, Saturn and Venus. You want to communicate efficiently and create a responsible, even somber approach to your work. Your output ne
eds to reflect your high standards while offering something valuable and tasteful.
Your store offers value-for-money food products in a working class neighbourhood. Saturn in the 7th house is ideal, because that’s where consumer discipline meets business
relationships.
You wholesale mobile phones to offshore trading partners in bulk. You need Jupiter to be in a strong placement because Jupiter loves big. Best of all, if Jupiter finds itself in the 12th house of foreign shipments.
You set up a partnershi
p and expect all partners to have sufficient starting capital. That would require a strong 11th house (owner’s equity).
You run a store focussing on rugged outdoor menswear. You want your logo to have strong red in it, emphasising mars energy.
What is your astrological ‘identity’?
The typical astrological identity components of a business are Sun, Moon and rising sign (the cusp of the 1st house). These are representative of identity, emotional appeal and public image.
You won’t get everything you want, squeezed into a single chart. But you can come close and work hard to overcome the challenges highlighted. For example, a day care centre for children would want an empathic Moon. First prize goes to a Moon placement in Cancer in the 4th house which suggests that children are looked after by the staff emotionally and professionally. A mining exploration company would prefer Sun in the 12th house, which is an encouragement to finding hidden treasures beneath the surface. Finally, the rising sign and ruler of the rising sign is the outward appeal - no point in having a Capricorn rising sign, unless you are working with high-end clients. A Pisces rising sign would favour a company engaged in water-sports, but would fail in a business that requires quick decision making.
So step by step, lets Make Money With Astrology
Do you have to believe in astrology? Well, it certainly helps, but the principles exist anyway. If you want to use the process or compare to what you already have, or only
consider the timing, that's perfectly all right as well.
The ideas offered are not meant to be foolproof and never will be. It’s meant as a guide - a roadmap. You can use some of the ideas or all of them. In terms of success along the path, it's better
to use more ideas than less.
You can look at everything from a psychological perspective if it makes you feel easier. You can replace the planets and houses with everyday language and adjust your thinking accordingly. So for example, a company teaching un
derwater diving might choose the theme of Pisces which is watery and dreamy, or shun astrology in favour of using a logo of a happy dolphin swimming in a sea-green background. But either way, the same concept applies.
Astrology is meant as a practical tool
. Anyone offering you complicated jargon that baffles brains is setting themselves up as superior. If someone creates a chart with technical detail which needs to be explained, then the explanation needs to be in a language that is readily understood.
A
strology is not magical, it doesn’t require you to believe in fairies and it certainly isn’t some sort of communication with the gods. The planetary placements are scientific and the explanation that results is interpretation. Granted, no two people will
provide the same interpretation, but the general themes will remain and be consistent.
Using astrological cycles correctly gives insight into when to push and when to wait out a quiet period. Typically, Mercury retrograde time is a period of reflection.
The last few days of the period is a time to consider new strategies for the next few months.
Example chart
It’s very hard - if not impossible - to get details of private companies to draw up charts. So listed companies are the way to go for concrete examples and one valid option within that category is the IPO. The IPO (initial public offering) contains a definite date and time of event activation, so a chart is not only possible but totally accurate. An IPO is held for a company to raise cash, typically to expand or reduce debt and then to list on a public exchange. A prospectus is published with potential investors offered a shareholding in exchange for an investment. Once additional shareholders are found and additional funds raised, a company would then become listed on a trading exchange, so that the shares are freely tradable. The benefit of being listed is perception of status and stability, so it's a way to not only bring in additional equity, but also raise public awareness and raise the general valuation of the company.
The public call for cash is done over a controlled period, culminating in an IPO listing, which occurs on a specific date and time as set by the opening of trading on that day.
The example I have selected is that of an unfortunate IPO which had a serious hint of scandal about it. This could have been identified in the chart had anyone looked. However, would a different day have brought a change of direction? That’s one of the impossible questions to answer and one that brings to mind many other questions. It is entirely possible that a different IPO date would have made some events redundant and introduced other dynamics into the mix, but it's all speculation, since we don’t live in a world where we can apply A/B testing to this (A/B testing is a method of comparing two versions (A and B) of something by showing them to different user segments to see which performs better, helping businesses make data-driven decisions). The only definite we can bring to this example, is that the company would have had the same history, no matter what the listing date. Therefore, the same general future.
Refco was founded by Raymond Earl Friedman as Ray E. Friedman and Co in 1969 as a commodities broker. In 2005, and seemingly highly successful, it listed as Refco. It appeared to have had a large client list and vast amount of assets. However, things were not as rosy as Refco liked to pretend. What was apparently overlooked was a sizable debt of $430 million and fake bond holdings of $525 million. What was also noted after the mud started flying, was that there were historic complaints relating to falsified trades. Fines were paid, reserves were put aside and its image of purity was seen as damaged forever. Public perception did not go up - it went down and never rose again.
At this point, we need to introduce Refco’s Chairman and CEO Phillip R. Bennett. He did what every desperate CEO does when confronted with an insurmountable, but undisclosable problem, which is to panic, bluster, hide, obfuscate and act not in accordance with good practice.
Given a vast amount of historic company bad debt which should have been written off, Mr Bennett bought it himself and made good on the account. Unfortunately, he used what could only be described as “creative thinking”, by borrowing the same amount of money from Refco via a chain of intermediaries. Besides the whole mess being unethical, it was also not reported to the market as a ”related party transaction” which is a legal requirement. Refco had to later publicly admit that their financial statements from 2002 to 2005 could not be relied on.
Refco’s listing lasted two months until the company filed for bankruptcy on 17 Oct 2005. The reputation of the auditors and investment banks who sponsored the listing were contaminated but not fatally. It cannot be a surprise then, that Mr Bennet was charged with several counts of fraud, convicted and jailed for 16 years, released after 12 on compassionate grounds.
Listing chart of Refco : 11 Aug 2005 at 9:30 New York local time
Refer to sources such as :
https://en.wikipedia.org/wiki/Refco
https://en.wikipedia.org/wiki/Phillip_R._Bennett
Note : the following section does require a level of awareness of astrology, although the author has attempted to make it more ‘reader-friendly’.
Sun : 11th house Leo.
Moon : 2nd house Scorpio.
Rising sign (also known as the ascendant) : cusp of Virgo/Libra.
What does this mean for corporates
The Sun represents the vitality and life-force of a company - in the life of a listed entity, the chairman of the board. This is the person responsible for setting the company’s agenda and using the components of the board (CEO, CFO etc) for executing the way forward. In a listed company, the Sun is almost always located in the 11th house which is no co-incidence. The houses are defined by the time of sunrise and markets traditionally open for trading a few hours after that. In financial astrology, the owner of a company is represented in the 10th house, and his/her resources (e.g. capital) by the 11th. The 11th house Sun therefore reflects the resources that the owner puts into the company, or the board of directors in general, shareholder capital or plans for expansion.
The Moon represents the culture and emotional well-being of the company. A happy Moon indicates that problems are quickly dealt with satisfactorily. A blunt Moon (eg a Moon in Virgo which is largely emotionless) will provide solutions to problems which are cut and dry. It's the difference between a problem being resolved so that two people can shake hands and walk away, as opposed to one being favoured, leaving the other to consider ‘other options’.
The rising sign shows how the company is perceived outwardly. What its objectives are as seen by the public. A mining company may be perceived to be contaminating the earth by its operations, even though it has a clean-up operation behind it. In that specific instance, a rebranding operation is exactly what is required. From the astrology, a new chart is born, which may soften the perception. A rebranding could involve showing the public and media how clean-ups are conducted.
So how do we interpret outward astrological experience for Refco?
Of all the lessons to learn about astrology, the one overwhelming statement of fact is this : there is no interpretation in a chart that is an absolute. It all depends on the situation. There are nuances and shades. Some things are possible in context while others are impossible. There is the only way to fully interpret a chart and that is with an open mind.
The rising sign is both easy to explain and the most complicated because of the cusp. The public persona of Refco as a listed company is both Virgo and Libra oriented, i.e. logical, competent, sound and balanced. And this is exactly the image that a financial service company would want to present. All the qualities to make it trustworthy - the outer wrapping which has no visible blemishes.
The Moon is found in the 2nd house and its sign - Cancer - is “intercepted” in the 10th house. An intercepted house occurs when a sign is fully contained within a house and that house contains 3 different signs, one in the middle and one on either side. The result in this case being that the 9th house has Taurus on its cusp, the 10th Gemini and the 11th - Leo. Both of these points suggest that revenue streams are difficult, possibly buried under paperwork and not easily understood as a plan of action. In other words, income is earned but pinpointing detail is shrouded in mystery.
At this point, it should be obvious that this is a listed company which has a great facade but the details under the hood are less clear. This in no way suggests anything untowards at this point. Merely, that the focus of income generation is less clear than perhaps the presentation would like us to believe.
It is the Sun sign and its placement that allows us to draw the final conclusion, although it needs to be stressed that there are several explanations for this, all equally valid. The Sun in the 11th house is in opposition to Neptune in the 5th house. An opposition merely puts two planets at odds with each other. As repeated, this is not indicative of any single specific thing, but a clue to how energy spreads. The Sun, along with its other 11th house neighbours, Saturn and Mercury are a demonstration that the board of directors were focussed, disciplined and well up to their jobs. The 5th house is the engine room for corporate activity, such as marketing, or pointing the way forward. Neptune is an unfortunate planet to be found here, as it’s less focussed and more fluid. Anything goes and anything can happen. Job descriptions could get altered on a whim or a marketing campaign shelved because the colour scheme is wrong.
It is only after the curtain had been drawn for the last time, that we can say unequivocally that this opposition is what collapsed the entire structure as can be determined by the events outlined above. Mr Bennett, knowing that his actions were fraudulent, decided to minimise the severity of debt that could never be recovered. Refco loaned money to itself to provide a wrongful impression that the debts were able to be recovered, when in fact he had no such expectation. He misled the public to invest their money in a company he controlled. It’s probably safe to assume that he was able to somehow justify this at least to himself, as Neptune is evasive and fluid. The first query about bad debt was also the last. The house of cards collapsed.
Conclusion
I hope you enjoyed reading this as much as I enjoyed writing it. Astrology is a complex and enormously complicated field. My role is to remove the complexity and present something for everybody, in an easy-to-understand language.
You will find my other works online at https://payhip.com/AstroCycles. You are invited to follow my facebook page and leave comments at https://www.facebook.com/TalkingAstroCycles.
Steven has degrees from the University of Cape Town in Computer Science and
Applied Mathematics and has various certifications from BrainBench.com.
He runs an online consultancy using mathematical and statistic developmental tools and has
an interest in astrology and the para-normal, going back 40 years. Steven specialises in financial astrology (which combines the skills of everyday astrology with the complexity of markets), corporate astrology and mundane astrology (that of nations and large-scale trends).
He is widowed with two sons, Brice and Ross and two step-daughters, Aviva-Liora and Sharon.
