44. Combinations for Penury

बहवो धनदा योगा श्रुतस्त्वत्तो मया मुने ! ।
दरिद्रजन्मदान् योगान् कृपया प्रभो ! ॥ १ ॥

1. O Sage, I have heard from you a number of Wealth giving yogas. Now O Lord, kindly tell me of those yogas due to which one is born in extreme poverty.

लग्नेशे च व्ययस्थाने व्ययेशे लग्नमागते ।
मारकेशयुते दृष्टे निर्धनो जायते नरः ॥ २ ॥

2. If the Ascendant Lord is in the 12th House and the 12th Lord is in the Ascendant in conjunction with or aspected by a Maraka Lord (the 2nd and the 7th Lord), the native will be poor.

Notes :- It has been found that this yoga has adverse effect on the native's health also. The effect emerges off and on in the native's whole life. The nature of the disease is determined by the planets that are included in the change of signs. The native has to bear the mental pain rising from his quarrel with his wife and remains in tension because this change occurs between the 6th and the 7th Houses from the 7th House, the House of Wife.

लग्नेशे घष्ठभावस्थे षष्ठेशे लग्नमागते ।
मारकेशेन युगदृष्टे धनहीन: प्रजायते ॥ ३ ॥

3. If the Ascendant Lord is in the 6th House and the 6th Lord is in the Ascendant and is in conjunction or aspected by a Markesha (Maraka Lord), the native will be devoid of Wealth.

लग्नेन्दू केतुसंयुक्तौ लग्नपे निधनंगते ।
मारकेशयूते दृष्टे जातो वै निर्धनो भवेत् ॥ ४ ॥

4. If the Ascendant lord or the Moon is in conjunction with Ketu and the Ascendant Lord is in the 8th House and is in conjunction with or aspected by a Markesh, the native will be penniless.

षष्ठाष्टमव्ययगते लग्नपे पापसंयुते ।
धनेशे रिपुभे नीचे राजवंश्योऽपि निर्धनः ॥ ५ ॥

5. If the Ascendant Lord along with a malefic is in the 6th, 8th or 12th and the 2nd Lord is in enemy's sign or in his debilitation sign the native even of royal birth will be penurious.

त्रिकेशन समायुक्ते पापदृष्टे विलग्नपे ।
शनियुक्तेऽधवा सौम्यैरदृष्टे निर्धनो नरः ॥ ६ ॥

6. If the Ascendant Lord is in conjunction with the Lord of a Triksthan (6-8-12) or with Saturn and is devoid of the aspect of a benefic, the native will be poor.

मन्त्रेशो धर्मनाथश्च क्रमात् पष्ठव्ययस्थितौ ।
दृष्टौ चेन्मारकेशेन निर्धनो जायते नरः ॥ ७ ॥

7. The Fifth Lord and the 9th Lord are respectively in the 6th and the 12th House and receive the aspect of a Markesh, the native will be poor.

पापग्रहे लग्नगते राज्यधर्माधिपौ विना! ।
मारकेश दृष्टे जातः स्वनिर्धनो भवेत् ॥ ८ ॥

8. If the malefics excepting the 9th and the 10th Lords are situated in the Ascendant and they are in conjunction with or are aspected by a Markesh, the native will be penniless.

त्रिकेशा यत्र भावस्था तद्भावेशास्त्रिकस्थिताः ।
पापदृष्टयुता बालो दुःखाक्रान्तश्च निर्धनः ॥ ९ ॥

9. When the Lords of the Houses where the Lords of the Triksthanas (6-8-12) are situated are there in the Triksthanas and have the conjunction or the aspect of malefics, the native will be miserable and penniless.

चन्द्राक्रान्तनवांशेशो मारकेशयुतो यदि ।
मारकस्थानगो वाऽपि जातोऽत्र निर्धनो नरः ॥ १० ॥

10. When the Lord of the Navamsha in which the Moon is situated is in a Maraka House or in conjunction with a Maraka planet the native will be penurious.

लग्नेशलग्नभागेशौ रिष्फरन्ध्रारिगौ यदि ।
मारकेशयुतौ दृष्टौ जातोऽसौ निर्धनो नरः ॥ ११ ॥

11. If the Ascendant Lord and its Navamsha Lord both have gone to the 6th, 8th or 12th House and are in conjunction with or aspected by Markesh, the native having this yoga is penniless.

शुभस्थानगताः पापा: पापस्थानगगताः शुभाः ।
निर्धनो जायते बालो भोजनेन प्रपीडितः ॥ १२ ॥

12. If there are malefics in the auspicious houses and benefics in the inauspicious houses, the native is penniless and is reduced to starvation.

कोणेशदृष्टिहीना ये त्रिकेशै: संयुता ग्रहाः ।
ते सर्वे स्वदशाकाले धनहानिकरा: स्मृताः ॥ १३ ॥

13. The planet who is in conjunction with the Lord of the Trik Houses 6-8-12 and is devoid of the aspect of the 9th Lord and the 5th Lord will cause harm in his Dasa period to the native's financial aspects.

कारकाद् वा विलग्नाद् वा रन्ध्रे रिष्फे द्विजोत्तम ! ।
कारकाङ्गयोदृष्टया धनहीनः प्रजायते ॥ १४ ॥

14. When the 8th and the 12th from the Atmakaraka or the natal Ascendent, O excellent of the Brahmins,are aspected by the natal Ascendant Lord and the Atmakaraka Navamsha Lord the native will be penurious.

कारकेशो वययं स्वस्मात् लग्नेशो लग्नतो व्ययम् ।
वीक्षते चेत् तदा बालो व्ययशीलो भवेद्धुवम् ॥ १५ ॥

15. If the 12th House from the Atamkaraka is aspected by Atmakarakesha (the Lord of the sign in which the Atmakaraka is situated) or if the 12th House from the natal Ascendant is aspected by the Ascendant Lord, the native will be a prodigal or spendthrift it is certain.

अथ दारिद्रय्योगांस्तु कथयामि सभङ्गकान् ।
धनसंस्थौ तु भौमार्की कथितौ धननाशकौ ॥ १६ ॥

बुधेक्षितौ महावित्तं कुरुतो नात्र संशय: ।
निःस्वतां कुरुते तत्र रविर्नित्य यमेक्षितः ॥ १७ ॥

महाधनयुतं ख्यातं शन्यदृष्टः करोत्यसौ ।
शानिश्चापि वेर्दृष्टया फलमेवं प्रयच्छति ॥ १८ ॥

16-18. Now I shall speak of some other Daridrya Yoga (combinations causing penury) and also their conditions of nullifications. Mars and Saturn situated in the 2nd House, the House of wealth have been said to be the destroyers of wealth, but if they are aspected by Mercury they will make the native extremely rich there is no doubt in it. If there (in the 2nd House) is the Sun who is aspected by Saturn, it will make the native bereft of his wealth and if there is no aspect of Saturn, on him (the Sun) it will make him extremely wealthy and famous. The effects of Saturn (in the Sun's condition) aspected by the Sun are given in the same way (that is if Saturn in the 2nd House receives the aspect of the Sun it will make the native extremely poor and if Saturn is not aspected by the sun it will give much wealth and fame).