Today we continue to be a nation of extremes: extreme levels of wealth as well as poverty; extreme climates that range from the arid deserts of the Southwest to the heavily forested Northwest. We are large, vast and diversified and growing exponentially causing extreme conditions not only in our country but throughout the world. Currently, this very large mass on the planet is economically challenged.

Extreme weather conditions and infrastructure failures– i.e. Hurricanes Katrina and Rita, the collapse of levees and bridges, the extreme budget deficit resulting from the Iraq War and the high population numbers provide fertile ground for revolutionary changes because that ‘cosmic’ rubber band is about as stretched as it can get.

2008′s bubble exploded as extreme political and financial conditions resulted from the lack of change of organization at all levels of government and industry. Its results are high unemployment, higher and higher costs heading to a greater inflation and national debt that has gone haywire. The lack of boundaries in spending and regulation is on all the different administrations — not one or the other. One government is just too big for such a large geographic area. These extreme conditions have resulted with more and more foreclosures slowly dividing the vast population into two extreme categories — to those that are rich and those that are poor, with the middle class taking all of the hits with regard to taxes and penalties and higher costs.

The Bottom Line is that resolution can only come from each individual whose voice must be heard within the microcosm of their communities. This is where the change has to begin. Self-responsibility is the issue on the table now. It always has been, but now more than ever.

The banks and the mortgage companies had no boundaries when they gave home loans to just anyone with ‘stated’ incomes and this was negligence on their parts, but the truth of the matter is that the responsibility also fell upon those looking for a quick profit with little investment of their time or money. When you don’t invest a lot, it is much easier to walk away. After all, ‘it is someone else’s money, right??’ Wrong!! The change in this country is about awakening to our individual responsibility to ourselves, our families and to our communities. This is the trend between now and 2020.

Someone said, ‘the Devil is in the Details’…this is where each of us has to start right now and today. Get out those budget sheets and start writing down what it is you really do bring in as far as income and what it is you really spend. This simple technique provides a wonderful wake-up call when you really look at the numbers. When we really look at where we’ve been and are planning to go and the resources with which we can do them, it creates extreme responses….either elation or shock!!

Either way, it is the shadow lurking in every home in America today. And this financial specter haunting many households today must be exorcised in order for all of us to prosper. If one can look at this as an exercise in re-organization and re-structuring without any judgment from within or without, it can also turn out to be a lot of fun. Creating something out of nothing on very little or, perhaps, even too much is the ‘theme’ of Pluto as it slowly proceeds through Capricorn until 2024!

Regardless, it needs to be done before spring of 2010 as Saturn permanently enters the sign of Libra. This thirty-year cycle often brings new opportunities for all. The amount of ‘opportunity’ directly relates to the conscious act of balancing our lives, our budgets and our lifestyles. So, the question is: “Will you be dressed for the party??”

As a public service, Starcycles is offering a free budget template to anyone interested in cleaning up their financial ‘act’. This budget template has a built-in spreadsheet so if you add income numbers you see the ‘profit’ amount at the bottom of each vertical column. As you add your monthly expenses, you see that ‘added number’ slowly decreases. This is an excellent exercise not only for all of the adults in the household, but a great training tool for those young people you know either heading off to high school, where they will have their own money, or, even those older students and young adults who are working. I remember years ago I became starkly aware of this technique when I was having ‘trouble’ balancing my checkbook as a very young adult/college student. In tandem with that, I remember my father complaining saying, “You are going to college, and you should know this!!” The sad thing is that he was right. I should have known, but he was also wrong in that he, like many parents, think that if their children are educated, then they just ‘know’ how to handle money and resources.

This is furthest from the truth. Everyone has to learn to do this. So, again, if you want to get a head start on those opportunities coming your way, then start with some basic planning now. Write down your goals for the New Year, which is coming fast, and differentiate between your Wants and your Needs. Wants are very different than Needs. In order to fulfill your Needs, you must budget. When you budget, you can see where you can fulfill those Wants, which result from the freedom of planning.

This is a tool that has served me well over the years and I offer it as a gift to you as well. Interested? If so, please click here to download your free Budget Template. Make sure you make a copy of the original before you start playing with it.

If you wish even more information on ‘timing’ for 2011, then order our “Astrology in English” 2011 Starcycles Calendar for only $19.95 as a digital download. There is an extreme change on the horizon — how it looks is up to each individual willing to examine the infra-structure of our lives.

In addition, Joyce’s new book, A Beginner’s Guide to Astrological Interpretation, is a must read for anyone whether a neophyte or someone with years of astrological experience.

I have worked with Joyce for many years now and trust her work implicitly. She is a specialist in Business Astrology as well. In fact, Joyce, Grace K. Morris and myself are the founding members of The Apollon Group, a trend forecasting service for companies and organizations. More information regarding the written reports is available at Apollongroup.com.

We have several of Joyce’s Audio CDs available for you here:

Pluto: The Shadow or The Light?
Audio CD by Joyce Levine

Let go of anger and fears. Develop faith. Get in touch with Pluto’s transformative qualities. Side 1, Integrating Pluto Cycles, guides you through Pluto transits and helps you deal with your unconscious motivations. Side 2 guides you through a meditation to integrate Pluto’s energy into your psyche.

$12.95
(plus shipping and handling, and tax for CA residents)
ISBN: 1-885856-06-7

Neptune: Spirituality or Escapism?
Audio CD by Joyce Levine

Unlock your capacity for creativity, love, and spirituality. Side 1, Integrating Neptune Cycles, provides an understanding of Neptune transits and helps you unlock your creative potential. Side 2 guides you through a meditation that helps you let go of “fog and illusion,” and create images of beauty and spirituality.

$12.95
(plus shipping and handling, and tax for CA residents)
ISBN: 1-885856-05-9

Jupiter: Good Luck, Opportunity, Expansion, Abundance
Audio CD by Joyce Levine

Side 1, Integrating Jupiter Cycles, helps you make the most of Jupiter transits by recognizing how to expand your life, set new goals, and create abundance. Side 2 guides you through a meditation that helps you realize the best that life has to offer.

$12.95
(plus shipping and handling, and tax for CA residents)
ISBN: 1-885856-07-5

Uranus: Erratic Conditions and Upheaval, or The Freedom to Be Ourselves?
Audio CD by Joyce Levine

Side 1, Integrating Uranus Cycles, helps you discover what true freedom means to you. It helps you identify what changes you need to make and how to make them. Side 2 guides you through a meditation leading to a Uranian transformation.

$12.95
(plus shipping and handling, and tax for CA residents)
ISBN: 1-885856-04-0

Saturn: Handling Your Responsibilities
Audio CD by Joyce Levine

Gain wisdom from experience. Develop positive karma. Side 1, Integrating Saturn Cycles, guides you through Saturn transits and teaches you what you need to learn from them. Side 2 guides you through a meditation to help you gain positive results from Saturn.

$12.95
(plus shipping and handling, and tax for CA residents)
ISBN: 1-885856-03-2

Creative Visualization
Audio CD by Joyce Levine

Learn how to use your thoughts to create the life you’ve always wanted. Side 1 explains creative visualization and gives exercises. Side 2, the meditation, guides you through relaxing the body, opening the chakras, and creatively visualizing what you desire.

$12.95
(plus shipping and handling, and tax for CA residents)
ISBN: 1-885856-01-6

Meditation
Audio CD by Joyce Levine

Relax. Reduce stress. Connect with your Higher Self. Side 1 explains meditation and the chakras. Side 2, the meditation, guides you through relaxing the body, opening the chakras, and meditating.

$12.95
(plus shipping and handling, and tax for CA residents)
ISBN: 1-885856-00-8

Releasing Anger and Resentment
Audio CD by Joyce Levine

Release hurtful and upsetting experiences of the past. Move on to the positive future you create. Side 1 provides exercises for letting go. Side 2 relaxes the body, opens the chakras, and guides you through a meditation for releasing anger and resentment.

$12.95
(plus shipping and handling, and tax for CA residents)
ISBN: 1-885856-02-04

Contacting Your Guardian Angel
Audio CD by Joyce Levine

Learn how to connect with your Guardian Angel. Side 1 tells you the history of angels and reveals people’s experience with them. It gives you exercises that will help you contact your own Angel. Side 2, the meditation, guides you through a relaxation. It takes you to your special place and introduces you to your Guardian Angel.

$12.95
(plus shipping and handling, and tax for CA residents)
ISBN: 1-885856-08-3

Georgia Stathis explores vocational direction, or your right work in a chart in this one-day workshop for the San Francisco chapter of NCGR. Stathis, a faculty member for OCA and Kepler College and presents material she is teaching with OCA (www.astrocollege.com). The 5-CD set is produced live and fun, educational and informative — Georgia’s classic teaching style.

5 CD set – 4 audio CDs, 1 CD-ROM of handouts
$45.00
(plus shipping and handling, and tax for CA residents)

Storytelling is one of the oldest forms of instruction, and one of the best. We start teaching children about the world through fairy tales, we relate to others and begin to understand human nature by sharing stories. Utilization of mythology is more than illustrative anecdotes to dress up a reading. The unique qualities of myth can profoundly influence what one learns during a session by tapping into the collective of which we are all participants, lending a greater understanding to our subjective experience.

Storytelling to Your Clients for More Effective Analysis – $15.00
downloaded set of 4 mp3s, includes pdf of 1 handout

When you’re done with your purchase, you can click “Return to Starcycles” to get your download right away, or wait for the email with your download links to be sent to the primary email address on your Paypal account.

This fresh lecture, given by Georgia in Baltimore in November of 2008, presents some basic methods for manifesting a healthy financial life. Show me the money!  It’s so much easier when you know where to look! Prosperity is located in your chart and this lecture illustrates how the mind creates matter (and money)!

Financial and Monetary Counsel – $15.00
downloaded set of 2 mp3s

When you’re done with your purchase, you can click “Return to Starcycles” to get your download right away, or wait for the email with your download links to be sent to the primary email address on your Paypal account.

by Georgia Stathis

Georgia gave this all-day workshop at the ISIS Institute in the San Francisco Bay Area and subtitles it “Archetypal Tools for Securing Your Financial Future.” Jungian psychologists believe that present in the collective unconscious are primitive mental image inherited from the earliest human ancestors.  These Archetypes are present in our everyday Astrology. Accompanying material includes Saturn: History, Mythology and Financial Cycles; Uranus: The Financial Genius in Your Chart; Transits of Saturn Through Your Chart; Integrating Eclipses into Your Financial Future; Working with the Chiron/Pluto Conjunction; Last Quarter Square Cycles of Saturn/Neptune, Saturn/Uranus, Saturn/Jupiter; Identifying Your Personal Money Mythology: Values, Needs, Motivation — and Making it Work For You.

7 mp3s emailed to you as a download link
$35.00
(plus tax for CA residents)