Ken's Cyber Cave: losing wealth

Showing posts with label losing wealth. Show all posts

Saturday, September 26, 2026

Eazy Bazi annual luck predictions

With the simple prediction formula below, you may bet on the prediction market by checking the Bazi annual luck of the people involved in the prediction bets. Below are annual luck predictions with 10 transformation stars or "gods".

1. Zheng-cai annual luck (+wealth 正财):

Strong daymaster/ chart owner (DM) may make more money.
Weak DM may lose major wealth.
Single male DM may get married.

2. Pian-cai annual luck (-wealth 偏财):

Strong DM may make more money.
Weak DM may lose money.
DM's father may have health problems
Male DM may get into affairs or lust endeavors

3. Zheng-guan annual luck (+power 正官)

Strong DM has good exam luck, rising fame/ reputation and promotion.
Chart with shang-guan (+output) should be wary of accident.
Single female DM may get married.

4. Qi-sha annual luck (-power 七杀)

Strong DM has stronger fame and social popularity.
Weak DM should beware of accident and injury.

5. Shi-shen annual luck (-output 食神 )

DM shows his/ her talents.
Strong DM has ability and chance to create wealth.
If chart has pian-yin (-resource), DM should beware of accident.
Older DM may have tumor in his/ her digestive system.

6. Shang-guan annual luck (+output 伤官)

DM is prone to hurt zheng-guan (husband, superior/ boss or older generation) and instigate conflicts and quarrels.
If DM is a student, s/he may suffer unexpected exam failure.
Weak DM is prone to accident, injury and sickness
Female DM is prone to conflict/ quarrel with husband
Chart with zheng-guan (+ power) running into shang-guan (+output) annual luck is prone to misfortune and disasters-- female DM is prone to divorce. Male DM is prone to legal problems.

7. Zheng-yin annual luck (+resource 正印):

Strong DM may have backstabbers or attacked by mean people.
Weak DM may meet nobleman (mentors).
DM's mother may have health issues.
Older DM may want to settle down and ponder about buying real estate.

8. Pian-yin annual luck (-resource 偏印):

Strong DM may have backstabbers or attacked by mean people.
Weak DM may meet nobleman (mentors).
Chart with shi-shen (- output), DM should beware of accident and disaster.
Older DM may have tumor growth in his/ her body.

9. Bi-jian/ jie-cai annual luck (+/ - peer 比劫):

Strong DM may have backstabbers or attacked by mean people.
Weak DM may meet nobleman (mentors).

Click on #6 and #16 below if you want to learn more about Bazi.

Ken Lai

Video Correspondence Courses: (click for details)

1. “Visual Bazi: Wealth Secrets and Maximization” w/ 18 hr. HD video
2. “Advanced Visual Form Feng Shui” w/23 hr. HD video
3. “Visual Form Feng Shui” w/13 hr. HD video
4. “Applied Bazi: Sickness Forecasting and Management” w/33 hr. HD video
5. “Destiny/Luck Mgmt. 1: Forecasting and Decision Support” w/32 hr. HD video
6. “Luck Enhancement and Misfortune Mitigation with Bazi and Feng Shui” w/ 45 hrs. HD video
7. “Feng Shui Toolbox: Sha-qi, Health/Wealth and Career” w/ 7 hr. HD video
8. “Period 9 Feng Shui Bible w/ P8/ 9 Period Upgrade Advisor” w/ 14 hr. HD video
9. “Practical Date-Selection Methods (incl. XKDG) w/ 12 hr. video
10. “Practical Imperial Qi-Men-Dun-Jia 4G” w/ 12 hr. video
11. “Professional Imperial QMDJ 4G” w/ 21 hr. video
12. “EZ QMDJ series: Astrology, Date/Task Selection, Annual Luck/ FS”w/ 3 hr. HD
13. “EZ QMDJ Advanced Feng Shui” with 4 hr. HD video
14. “Daoist Talismans for Feng Shui/Blessing” w/ 24 hr video
15. “Practical Door Feng Shui for Wealth” w/ 3 hr. video
16. “4-Pillars Forecasting Bootcamp+ ″ w/ 18 hr. video

http://www.kenlaifengshui.com

Tuesday, December 9, 2025

Can "monetary losses" neutralize disasters? 破财消灾

After suffering monetary loss for whatever reason, some Chinese would self-comfort themselves by saying "losing money to neutralize disasters (破財消灾) ". Some may say "Normalcy is restored when money is gone 財散人安樂".

Could losing wealth really fend off disasters or is this simply a "method of spiritual victory" (aka "Spirit of Ah Q" in Chinese language)? Is there any theory to support this claim?

Actually, in terms of Bazi's 5-elements Nurturing and Controlling theory using 10-transformation stars ("10-gods"), "losing money to neutralize disasters" is valid under the scenarios listed below.

However, one needs to understand the nurturing and controlling relationship between the 10-transformation stars to grasp the logic discussed below.

The following diagram summarizes this nurturing and controlling relationship:

Examples: Output star nurtures (blue arrow) wealth star and controls (black arrow) power star. Wealth star nurtures power star and controls resource star.

I. DAYMASTER (DM) USES SHI-SHEN AS PROTECTOR

"Daymaster" is the chart-owner. Power stars (zheng-guan/ qi-sha) control or attack DM. Hence power stars are the symbols for disasters and misfortune. In Bazi, -output star or shi-shen controls power stars. Ideally, -output star should have power stars under control to avoid disasters. But if strong wealth stars show up, it will turn the whole chart upside down. This is because output stars nurtures wealth stars and the latter in turn nurture power stars, making disasters (power stars) even stronger. The -output protector becomes collaborator of the power star attacker! Wealth stars become the mediator between -output and power stars and form an alliance to drain and control DM. This means major disaster!

From the above analysis, disasters are attributed to strong wealth stars. If there are no strong wealth stars, disasters and misfortunes may not exist. Wealth stars are represented by our cash and money reserves. Hence, if DM can create "losing money" events (charity donation, buy real estate/ expensive items...) to weaken his/her strong wealth stars to the point that wealth stars are not able to perform the mediating function, disasters are neutralized or at the least, minimized.

II. DAYMASTER USES ZHENG-YIN/ PIAN-YIN AS PROTECTOR

Resource stars (zheng-yin/ pian-yin) nurtures DM. Power star will attack DM if no mediator stands in-between them. Resource stars protect DM from power stars by draining or as mediator between DM and power stars because power stars nurture resource stars. Hence, resource stars play the role of mediator by turning power stars into collaborator to boost the strength of DM.

Wealth stars nurture power stars and control resource stars. Hence when strong wealth stars show up in the system, they control and stop resource stars performing the mediator and protector functions. Wealth stars further nurture and strengthen power stars to make the potential disasters more aggravating.

From the above analysis, disasters are attributed to strong wealth stars. If there is no strong wealth stars, disasters and misfortunes may be weak or not exist. Hence, if DM weaken his/her strong wealth stars by "losing money" (buying real estate/ shopping spree, charity donation, and etc.) to the point that these stars are no longer able to control or prevent resource star from performing the mediator and protector functions, disasters are averted or neutralized.

III. DAYMASTER USES BI-JIAN/ JIE-CAI AS PROTECTOR

Peer stars (bi-jian/ jie-cai) strengthen DM. Power stars controls peer stars. The act of controlling peer stars drains power star. If peer stars are as strong as power stars, the latter will be "tied up" and cannot attack DM.

Peer stars controls wealth stars. Wealth stars nurture power stars. When strong wealth stars show up in the system, peer stars will be drained for attacking wealth stars. Furthermore, wealth star will nurture power stars. Consequently, power stars become more powerful whereas peer stars are weaker than before. Peer stars become too weak to counter these power stars. DM will lose the protection from peer stars and suffer the control or attack of the power stars.

Similar to the analyses of section I and II, all the problems are attributed to the appearance of wealth star. The same "losing wealth" remedy should be used to eliminate or weaken wealth stars.

The difference between I and II situation is: In the -output star scenario, wealth stars turn -output star into mediator to attack DM. In the resource star scenario, wealth stars stop resource star from being a mediator and protector. In the peer stars scenario, wealth stars weaken the peer star protector and enhance the power star aggressor.

The best way of "losing wealth" is through charity donations because one can feel good and perhaps getting some karma credits for future good luck.

If you want to know more about Bazi, please check out the following courses:

“4-Pillars Forecasting Bootcamp+ ″ w/ 18 hr. video

“Luck Enhancement and Misfortune Mitigation with Bazi and Feng Shui” w/ 45 hrs. HD video

Ken Lai

Video Correspondence Courses: (click for details)

“Visual Bazi: Wealth Secrets and Maximization” w/ 18 hr. HD video
“Advanced Visual Form Feng Shui” w/23 hr. HD video
“Visual Form Feng Shui” w/13 hr. HD video
“Applied Bazi: Sickness Forecasting and Management” w/33 hr. HD video
“Destiny/Luck Mgmt. 1: Forecasting and Decision Support” w/32 hr. HD video
“Luck Enhancement and Misfortune Mitigation with Bazi and Feng Shui” w/ 45 hrs. HD video
“Feng Shui Toolbox: Sha-qi, Health/Wealth and Career” w/ 7 hr. HD video
“Period 9 Feng Shui Bible w/ P8/ 9 Period Upgrade Advisor” w/ 14 hr. HD video
“Practical Date-Selection Methods (incl. XKDG) w/ 12 hr. video
“Practical Imperial Qi-Men-Dun-Jia 4G” w/ 12 hr. video
“Professional Imperial QMDJ 4G” w/ 21 hr. video
“EZ QMDJ series: Astrology, Date/Task Selection, Annual Luck/ FS”w/ 3 hr. HD
“EZ QMDJ Advanced Feng Shui” with 4 hr. HD video
“Daoist Talismans for Feng Shui/Blessing” w/ 24 hr video
“Practical Door Feng Shui for Wealth” w/ 3 hr. video
“4-Pillars Forecasting Bootcamp+ ″ w/ 18 hr. video

Sunday, November 24, 2024

2025 year of wooden-snake annual luck reading 乙巳蛇年運勢預測

2025 is the year of wooden-snake or Yi-Si in the Chinese zodiac. Yi is yin-wood and Si is yin-fire.

Annual luck reading is a bread-and-butter item for Bazi readers. Below is a quick demo of what to look for each of the 10-stems DM (daymaster) in an annual reading.

Unlike 2024 Jia-chen year with wood controlling earth, 2025 Yi-si is a mutual nurturing combination with wood nurturing fire.

Please check the Appendix below on how to find out your daymaster element.

WHAT TO LOOK FOR ANNUAL READING:

10 transformation stars ("10-gods") auspiciousness or inauspiciousness in terms of Yi-si annual luck.
The interactions between stems and Yi-wood
The interactions between branches and 2025 Si-fire

10 DM ANNUAL LUCK PREDICTIONS WITH SI-FIRE

1. Jia/ Yi Wood DM: Si-fire is the output star (Shi-shen/ shang-guan)

Fire is unfavorable: sickness, depression, losing wealth
Fire is favorable: promotion, gaining wealth, new birth (baby)

2. Bing/ Ding Fire DM: Si-fire is the peer star (Bi-jian/ jie-cai)

Fire is unfavorable: injury, separation/ divorce (esp. male Ding DM), losing wealth
Fire is favorable: gaining wealth, romance/ marriage, starting new business/ career

3. Wu/ Ji Earth DM: Si-fire is the resource star (zheng-yin/ pian-yin)

Fire is unfavorable: sickness, depression, losing wealth
Fire is favorable: promotion, buying real estate, certifications

4. Geng/ Shen Metal DM: Si-fire is the power star (Zheng-guan/ qi-sha)

Fire is unfavorable: pressure, mean people (back-stabbing), lawsuits
Fire is favorable: promotion, gaining wealth, starting new business/ career

5. Ren/ Gui Water DM: Si-fire is the wealth star (zheng-cai/ pian-cai)

Fire is unfavorable: being swindled, losing wealth, injury
Fire is favorable: gaining wealth, romance/ marriage, starting new business/ career

2025 STEM COMBINATIONS WITH YI-WOOD

Metal is unfavorable: poor health, poor performance in general
Metal is favorable: good health, good performance in general
Female Yi-wood DM: your husband/ BF may be stolen by your close pals
Male Yi-wood DM: promotion (if strong DM) or illness/ lawsuit/ back-stabbing (if weak DM)
Female Geng-metal DM: gaining wealth (if strong DM) or losing wealth (if weak DM)
Male Geng-metal DM: gaining wealth/ romance (if strong DM) or losing wealth due to woman (if weak DM)

2025 STEM CLASH WITH YI-WOOD

Yi-wood controls Ji earth

Positive if Ji-earth is unfavorable, negative if Ji is favorable
Positive if Ji-DM is strong (promotion, fame), negative if Ji-DM is weak (illness, lawsuit)

Xin-metal controls Yi-wood

Positive if Yi-wood is unfavorable, negative if Yi is favorable
Positive if Xin-DM is strong (gaining wealth), negative if Xin-DM is weak (losing wealth)

2025 BRANCH COMBINATIONS WITH SI-FIRE

Si and shen combine to form water: Positive if water is favorable, negative if water is unfavorable
Si, You and Chou 3-unities combination to form strong metal: Positive if metal is favorable, very negative if metal is unfavorable
Si, Wu and Wei 3-meetings combination to form strong fire: Positive if fire is favorable, very negative if fire is unfavorable

2025 BRANCH CLASH, PENALTIES, DAMAGE AND HARM

Si clashes Hai
Si-Yin-Shen 3-penalties
Si damages Shen
Si harms Yin

Above interaction on:

Year Pillar: changes in ancestral, grandparents/ parents
Month Pillar: work/ career changes
Day Pillar: changes in DM or marriage
Hour Pillar: changes within family or children

This is a basic "generic" annual reading outline of all 10 possible DMs without explanations. You could use the same basic format to read other years too. You or your Bazi reader would add the explanations, remedies and enhancements for the client (detail of the reading depends on how much is charged). A more accurate reading should also integrate your client's current 10-year-luck and natal chart into the analysis.

Please be aware that when adding annual luck and 10YL to the natal chart for analysis, there are possibilities that the favorable/ unfavorable elements may change for the year! For example, if fire is the favorable element in the natal chart, by change both annual luck and 10YL bring in 4 fire elements into the system, fire may become unfavorable!

If you want to know more about Bazi, please check out the following courses:

“4-Pillars Forecasting Bootcamp+ ″ w/ 18 hr. video

“Luck Enhancement and Misfortune Mitigation with Bazi and Feng Shui” w/ 45 hrs. HD video

APPENDIX: FIND A PERSON'S DAY-PILLAR AND DAYMASTER

1. Log into www.bazi-calculator.com

2. In the right-side of the screen panel box, select "Ken Lai Method". No need to bother with anything else.

3. Key in your birthday and hour in the left side of the screen. Ignore the right side screen for "date to compare".

4. Click the "calculate" box to get results.

5. Scroll down the screen and see his Bazi chart in the left side with a table similar to the one here.

6. The first box of second column (the one with "day master" in it) shows the elemental nature of his daymaster (example here is geng-metal DM in grey color). Below are the colors of 5 elements:

Metal (Geng and Xin) in grey color
Wood (Jia and Yi) in green color
Water (Ren and Gui) in blue color
Fire (Bing and Ding) in red color
Earth (Wu and Ji) in yellow color

Ken Lai

Video Correspondence Courses: (click for details)

http://www.kenlaifengshui.com

Monday, December 7, 2020

Warning! Triple rats days are coming

Current Chinese animal year is rat or "zi". Current month is also rat month and December 11 of this year is a "rat" day. Rat is also the current Grand Duke or year-ruler of the year. The day chart for Dec. 11 of this year has three rats!

The Bazi chart of December 11, 2020 looks like this:

YEAR: Geng-zi
MONTH: Wu-zi
DAY: Wu-zi
HOUR: Ren-zi (if 24:00)

"What is the big deal about this triple rats day? Is it the end of the world?"

Yes, to people with the following Bazi natal chart characteristics, it may well be the end of their world. Check the Appendix below to find out if you are one of them! This may save your life.

Chart with wu-horse: Rat clashes horse in Bazi. Imagine in Dec. 11, 2020, 3 rats clashing one horse-- hell can break loose like accidents, injury, heart attack, losing wealth, sudden death and the like. Who gets hit depends on the location of this wu-horse in the natal chart. If this horse sits in day-branch or spouse palace, daymaster (chart owner) or his/ her spouse will be in trouble, if month branch, parent may suffer, in hour-branch, children may get hit, if in year branch, grandparent or daymaster may be in trouble.

Chart with mao-rabbit: Rat and rabbit form the one of the dreadful "3-penalties". Imagine in Dec. 11, 2020, 3 rats penalizing one rabbit-- hell can break loose like accidents, injury, losing wealth, unexpected death, misfortune due to lust and the like. Who gets hit depends on the location of this mao-rabbit in the natal chart

Chart with strong fire: Rat is water in Bazi. You can see from the chart of Dec. 11, 2020 is very strong in water energy. This will form a big battle of fire and water in charts with strong fire. Severe sickness related to fire and water, like heart attack, blood diseases, reproductive organs may erupt.

Effect of Triple rats day in stock market: Past experience with triple identical element in a day chart may drive stock markets haywire-- either big up or big down in the markets. Be cautious in the coming triple-rats days

Here comes more bad news: There are two more triple-rats days for the current wu-zi (rat) month. The next 2 are:

Dec. 23, 2020 (Geng-zi day)
Jan. 4, 2021 (Ren-zi day)

Suggestion: If your natal birth chart has wu-horse and/or mao-rabbit, the most dangerous hour in the triple-rats days is between 23:00- 1:00. I would advice you to take the day off and stay home to avoid major mishap. Please make a small donation to your favorable charity or your local foodbank if you follow this advice (Nothing is free in this universe, here you exchange your money for protection energy from the universe or God).

Appendix: How to check if you have mao-rabbit or wu-horse in your birth chart:

Go to http://bazi-calculator.com/
Type in the birthday and gender (F or M) in the input table in the left side
Click "CALCULATE" box
Check the left color table below the input table. Look for any "Wu" or "Mao" in the second row of the chart.
In this example, there are two wu-horses and one mao-rabbit.

Ken Lai

© 2020 Ken Lai, all rights reserved.

Video Correspondence Courses: (click for details)
“Visual Bazi: Wealth Secrets and Maximization” w/ 18 hr. HD video
“Advanced Visual Form Feng Shui” 2020 w/23 hr. HD video
“Visual Form Feng Shui” w/13 hr. HD video
“Applied Bazi: Sickness Forecasting and Management” w/33 hr. HD video
“Destiny/Luck Mgmt. 1: Forecasting and Decision Support” w/32 hr. HD video
“Destiny/Luck Mgmt. 2: Basic Bazi Therapy w/18 hr. HD video
“Destiny/Luck Mgmt. 3 w/ Advanced Bazi Therapy w/18 hr. HD video
“Feng Shui Toolbox: Sha-qi, Health/Wealth and Career” w/ 7 hr. HD video
“Period 7/8 FS Toolkit w/ Advanced Flying Star techniques” w/ 6 hr. HD video
“Practical Date-Selection Methods 2020 (incl. XKDG) w/ 12 hr. video
“Practical Imperial Qi-Men-Dun-Jia 4G” w/ 12 hr. video
“Professional Imperial QMDJ 4G” w/ 21 hr. video
“EZ QMDJ series: Astrology, Date/Task Selection, Annual Luck/ FS”w/ 3 hr. HD
“EZ QMDJ Advanced Feng Shui” with 4 hr. HD video
“Daoist Talismans for Feng Shui/Blessing” w/ 24 hr video
“Practical Door Feng Shui for Wealth” w/ 3 hr. video
“4-Pillars Forecasting Bootcamp+ 2020 edition” with 18 hr. video

http://www.kenlaifengshui.com

Tuesday, April 23, 2019

Will you get both wealth and love in 2019?

"When will you get both wealth and love at the same time?" is one of the chapters in my upcoming "Wealth Bazi" course (NOT a get-rich-quick course). In that chapter, I have used the Bazi features of people who will likely get both love and wealth in 2019 ji-hai year as illustration. I have extracted some of the contents below for this blog.

Many people fantasies getting both love and wealth through romance or marriage. But the harsh reality is that not everyone is equipped to get wealthy and love through romance EVEN for those with pretty or handsome faces. We have to look into the romance or peach blossom elements in their Bazi charts first. In other words, it is already written in one's destiny.

This chapter answers the question of when one is likely to get both love and wealth. Below are the specific timing and conditions (we use 2019 ji-hai year as example, you may figure out the rest by substituting different daymaster (DM) and annual lucks). For Bazi terminology convention used here, check:

http://kenlaifengshui.blogspot.com/2011/05/4p-bazi-terminology-conventions.html

PEOPLE WHO ARE LIKELY TO GET LOVE AND WEALTH IN 2019

1. Male who is a strong jia/ yi-wood or wu/ ji-earth DM and also in strong wealth (zheng-cai/ pian-cai) luck region, will likely get both love and wealth.

2. Female who is a strong ren/ gui-water or bing/ ding-fire DM and also in strong power (zheng-guan/ qi-sha) luck region, will likely getting both love and wealth.

3. Jia-wood male DM combines with ji-earth in 2019 (ji-hai). Ding-fire female DM combines with ren-water +power star (hidden in hai). Ji-earth female DM combines with jia-wood +power star (hidden in hai). These combinations with annual wealth and power luck reflect potentials for getting both wealth and love for the DM.

4. For 2019 ji-hai year, ji-hai is the strong output annual luck for bing, ding, geng and xin DMs. These DMs are likely to have "getting both love and wealth" events if they have strong output stars in their natal chart already.

5. For 2019 ji-hai year, charts with mao, wei, yin, zi, chou and wu in the branches, are likely to have "wealth and love" events due to combination/s with annual luck branch (Note: hai-mao-wei wood 3-unities, yin-hai combination, hai-zi-chou water 3-meetings, hai-wu hidden combination).

(Original chapter has more detailed explanations)

FINAL REMARKS

While one's chart may look getting "both love and wealth", one still needs to check if power star (as in female DM) or wealth star (for male) is favorable to him or her. If favorable, everything will be great and happy. If not, it could mean losing wealth for male DM and being implicated/ hurt emotionally/ physically by males for female DM.