"Change Your Karma Today"
The Karma Blog

Welcome to Nalin Nirula's
Karma Blog

Attend life-changing weekly webinars and other programs with Nalin Nirula - Spiritual Guru, Karmic Healer and result-oriented Mentor.

Bookmark this Karma Blog page for stimulating and inspiring content aimed at helping you help yourself and take charge of your life.

"Bhagavad Gita for All" Lectures for practical application in everyday life. Current lectures:
Chapter 11:The Universal Form

Arjun requests to see the Universal Form of Krishna; the significance of blind King Dhritrasthra hearing this description is that it is meaningful for us as well, who may not have the spiritual eyes to see who Krishna is.

Postponed : Thursday Dec. 7 Assembly & Saturday Dec. 9 BG Class

Dec 11, 2017

Retreat 2018

"Cracking the Karma Code Retreat 2018" - Participants Login for essential information. Password available on WhatApp group "Cracking2018".

Continue reading "Retreat 2018"

Dec 11, 2017

Seminar Schedule 2017

December 2017 Seminar Schedule * December 21 - "Karma Code Thursday - 1 + 1 " - Register for free attendence - bring a guest * Karma Code Retreat January 2018 - BOOKINGS CLOSE Wed. Dec. 13.

Continue reading "Seminar Schedule 2017"

Dec 06, 2017

Rent OR Buy? Now that property prices are down

A common sentiment these days regarding real-estate is that one should buy a home now while property prices are down. I get frequent queries regarding this, and my advice has been that unless one anticipates settling down in a particular place one should rent rather than buy, and also see whether one is in the right place financially to do this.

A well thought-out article by Ashwini Sharma on Valueresearchonline lists key factors to help one decide, and his opening summary sets the tone for the rest of the article: "Financial planners insist that apart from price, there are various other factors to consider while buying a house. And if these factors matter to your situation in life, you may find that staying on rent may be more advantageous to you than buying a house now."

  • Factors listed are: Flexibility, affordability, comfort, long-term commitment, other life goals,when to buy, stability of residence, financial stability, tax benefits, low home loan rates, creating an asset.
  • The conventional wisdom that, "rather than pay rent, I will pay the monthly EMI" needs to re-examined more carefully. A decision about this needs to be based on one's life stage and life situation rather than truisms that may not apply to your circumstances.
Before deciding to buy or rent, do take a look at the article. It will help take the guesswork out of deciding whether you should or should not buy a home at this point in time.

Dec 05, 2017

Postponed : Thursday Dec. 7 Assembly & Saturday Dec. 9 BG Class

The following scheduled programs will not be held this week:

  • Healer's Assembly scheduled for Thursday, December 7, 2017.

  • Bhagavad Gita Class scheduled for Saturday, December 9, 2017.

Dec 02, 2017

Real Time Karma Healing Help

Connect with this healing empowerment anytime from anywhere in the world. For more details, go to this page.

Nov 08, 2017

Bhagavad Gita Chapter 1

Bhagavad Gita Chapter 1 * Dhritarashtra asks Sanjay what is happening on the Battlefield of Kurukshetra; Duryodhana & Arjuna spearately observe the mighty armies assembeled there.

Continue reading "Bhagavad Gita Chapter 1"

Oct 31, 2017

Seminar Schedule For 2017

November 2017 Seminar Schedule & Announcements * Nov. 18-19 - KQ 1 * Thursday, Nov. 23 - "Karma Code Thursday - 1 + 1 " - Register for free attendence * Booking open - Karma Code Retreat January 2018.

Continue reading "Seminar Schedule For 2017"

Oct 30, 2017

Distance Healing

For any healing help call us for free 3 to 7 day distance healing for your urgent healing situtations.

Continue reading "Distance Healing"

Oct 20, 2017


Hear this special chanting & discourse on the occasion of Diwali * Maximize your karma healing opportunities ***Also : Osibisa sings Raghupati Raghava Raja Ram (Video).

Continue reading "Diwali"

Oct 20, 2017

Diwali Chanting and Discourse - October 19, 2017

Diwali chanting, discourse and discussion.

The importance of the mantras chanted:

  • Pañca-tattva mantra
    śrī-kṛṣṇa-caitanya prabhu-nityānanda
    śrī-advaita gadādhara śrīvāsādi-gaura-bhakta-vṛnda

  • Mahamantra
    Hare Kṛṣṇa, Hare Kṛṣṇa, Kṛṣṇa Kṛṣṇa, Hare Hare
    Hare Rāma, Hare Rāma, Rāma Rāma, Hare Hare

  • Sita-Rama Tattva
    raghu pati rāghava rājā rāma
    patīta pāvana sītā rāma

    sītā rāma sītā rāma, sītā rāma jaya sītā rāmā

    jaya raghu nandana jaya sīyā rāma
    jānakī vallabha sītā rāma

    śrī rāma, jaya rāma, jaya jaya rāma
    jaya jaya rāma, jaya jaya hanuman

More about Sita-Rama, Lakshmi-Narayan, and Sri Krishna--the ādi-puruṣaḥ, Source of all incarnations.

Oct 19, 2017


SOLD OUT - Special Diwali iconic Lord Jagganath, Lakshmiji and Ganesha * See Video * Book these and your healing and wellness products--NEW: Saturday Box.

Continue reading "Products"

Oct 08, 2017


The second day of the week is Moon's day. Learn all about Monday energies and how to use these for your benefit.

Continue reading "Monday"

Oct 06, 2017

Karva Chauth

Revealed--The longevity energy secret of what lies behind karva chauth--the festival celebrated on the 4th day (chauth) of the waning moon in the month of Damodara or Kārtik (October-November).

Continue reading "Karva Chauth"

Oct 04, 2017


The month of Kartik, or Damodara, is a very special time for spiritual growth. This is also the month in which Karva Chauth is celebrated-article to be posted on 6th October.

Continue reading "Kartik"

Sep 30, 2017

Weekdays & their Healing Elements

Here is a special series of articles all about Weekdays & how you can utilize each day's special energies to improve your karma and your life every day, starting with the 1st day of the week--Sunday.

Continue reading "Weekdays & their Healing Elements"

Sep 26, 2017

Breathe to de-stress

Use this de-stressing meditation anywhere, at anytime. Just focus on your breath at the nostrils and in a few seconds you will be calm and relaxed...

Sep 24, 2017

Bhagavad Gita 15.19-20

Bhagavad Gita 15.19-20 : "One who knows Me thus without doubt and delusion as the Supreme Person, Puruṣottama, of the eternal blissful form, such a one is the knower of everything."

Continue reading "Bhagavad Gita 15.19-20"

Sep 20, 2017

Bhagavad Gita 15.17-18

Bhagavad Gita 15.17-18 : "...There is another who is described as the Supreme Soul, Paramatma... My glories are sung throughout the universe and in the Vedas as that Supreme Person—Puruṣottamaḥ."

Continue reading "Bhagavad Gita 15.17-18"

Sep 19, 2017

Bhagavad Gita 15.16

Bhagavad Gita 15.16 - "There are only two types of living beings that exist in the world—the fallible, and the infallible..."

Continue reading "Bhagavad Gita 15.16"

Sep 18, 2017

Now you can download all Soundcloud posts

You can now download all the Souncloud audio posts to your device for listening offline.

Just click the download icon at top right and 'save as...'

Sep 16, 2017


Listen to 5 discussions about "shradh"--the days of the dead. Freedom from fear. Facing the dying. Relationships.

Continue reading "Shradh"

Sep 14, 2017

"There are two types of living beings in the world" - BG 15.16

"There are only two types of living beings that exist in the world—the fallible, and the infallible. All the living beings from Lord Brahma to the lowest entity are perishable due to having fallen away from their true nature and having come in contact with material nature. Those who are situated in their eternally perfect nature in oneness of eternal association with the Supreme Lord, are known as infallible."

Lecture Notes

  • Those in the material world who are captured by māyā and forgetfulness of their eternal nature are considered to be fallible. [When the living entity forgets his constitutional position as an eternal servant of Krsna.] Those in the spiritual world are liberated from matter and are imperishable; they are the infallible nitya mukta--eternally liberated ones. It is not possible to fall from the spiritual world to the material.

  • The soul aspect is in itself eternal and imperishable even though the material body is perishable. The descent of the soul came from the exercise of its free will to enjoy separately from Kṛṣṇa. Other type of descent (not fall) is when His servants come to the material world on Kṛṣṇa's desire—e.g. : Jaya and Vijay. Or His associates in Vrindavana. They are still in association with Kṛṣṇa directly therefore there is no "fall down" from the spiritual position. This is not comparable to the descent of the nitya baddha (eternally bound) jivas from Brahma down to the lowest unmoving living being in the 14 planetary systems.

  • Those who revive their soul consciousness will return to the spiritual zone and therefore those in spiritual consciousness and action are considered infallible [even if they are in the material world]-they are in transition. Bhakti bhava means never to leave the association of Kṛṣṇa.
  • One achieves liberation from the material existence and the association of Krishna by being connected through the spiritual master to the impersonal Brahma (universal life force) Reiki energies, chanting the Hare Krishna Mahamantra, and being engaged in Krishna's service. There is no progress without the grace of the spiritual master. By pleasing the spiritual master, Krishna is pleased. It is not possible to jump over the spiritual master to attain Krishna's association. The master is the link.

Śrī Śrī Gurv-aṣṭaka (Eight Prayers to the Guru) saṁsāra-dāvānala-līḍha-loka (Visvanatha Cakravarti Thakura, in Stavamrta Lahari).

yasya prasādād bhagavat-prasādo
yasyāprasādān na gatiḥ kuto ‘pi
dhyāyan stuvaṁs tasya yaśas tri-sandhyaṁ
vande guroḥ śrī-caraṇāravindam

Study references--Whole of BG Chapter 8, specially 8.4-5; 8.14-15: (by remembering Krishna always, the nittya baddha (eternally bound) can attain to Him.)

Additional references:
Srimad Bhagavad Gita, The Hidden Treasure of the Sweet Absolute - Srila Bhakti Rakshak Sridhar Swami - (SCSM) [1961] (2nd edition 2006)[Downloadable PDF];
Bhagavad Gita As It Is - Srila A.C. Bhaktivedanta Swami Prabhupada, Macmillan 1972

Sep 13, 2017

The Art of Appreciation

Appreciation of someone or something implies a number of things: it means that in the appreciated there is value, and harmony with one's taste or views.

It may imply a positive co-relation with what one might have or own, validating ones choices.

Sometimes appreciation also indicates envy.

By valuing something that we might not have doesn't necessarily mean that we are less by comparison. In genuinely appreciating someone or something, we don't lose anything except our false sense of assumed superiority.

Praising the praiseworthy opens one to receiving unexpected benefits. Certainly, being appreciated generates feelings of well-being in the praised, but the benefit for the admirer is greater—it creates an energy of enthusiasm that translates into positive energy for other things in life.

When opportunities for appreciation are missing in ones life, life is the poorer for it. If nothing else, one can appreciate poetry, art, theater and thoughtful literature. One can most advantageously appreciate the benefits one has received in life, as doing so attracts more of the same.

Sep 10, 2017

First Law of karma

The First Law of karma follows how we create events, situations in life. 'Like attracts like' is different than the simplisticly stated 'law of attraction'.

Continue reading "First Law of karma"

Sep 09, 2017

Bhagavad Gita 15.15

Yoga of the Supreme Person, Purushottam Yoga, or Knowledge of the Absolute - A key understanding about the self, knowledge and karma - Bhagavad Gita 15.15

Continue reading "Bhagavad Gita 15.15"

Sep 07, 2017

Demonetization Doublespeak, & Healing it

The Reserve Bank of India's 244 page Annual Report for 2016-2017 sports a dismally grey and monochromatic cover. It is quite appropriate for the times we are in.

Prime Minister Mr. Modi's avowed objective for the demonetization exercise was meant to be curative surgery for the evil of black money, fake money and terrorist funding, and getting some windfall gains to the exchequer. There is no doubt about its results anymore. It is now widely accepted that the demonetization exercise undertaken last year was greatly misconceived and has proven itself a disastrous failure.

This is borne out by the RBI's own monetary data in the report, while its carefully worded dealing with the subject of demonetization seeks to play down the demonetization disaster that cost lives, immense hardship to people, loss of jobs and income, and the shutting down of small businesses and enterprises.

The 'Dumb Idea'
Ajit Dayal of Equitymaster points out graphically how Mr. Modi's narrative about the reasons for the demonetization changed radically as it became clear that the exercise was failing at all levels. It is remarkable that 'cashless/digital', which was never mentioned at the start, has now hijacked the narrative and become the established impractical rationale for demonetization.

Ajit Dayal's recent scathing analysis of this exercise and its impact on the economy, black money, GDP growth can be read in full in his article Demonetization was a Dumb Idea. (I agree!)

The article makes note of the fake growth figures being published on GDP growth--something which I have verified on the ground with industrialists and small businesses owners. Financial advisors continue to rely on this fake data, giving rosy scenarios of future earnings from stock markets. All these advisors need to do is to talk to people who have been drastically affected and take a look around, away from their ivory towers.

Markets only driven by fund flows—no real value here at this time
This is a good time to think, 'buyer beware', and also the investment adage—'be fearful when everyone is greedy and upbeat about the market'—especially under these current circumstances.

The Prime Minister likened the demonetization exercise and its timing to operating on a patient when the patient (Indian economy) is healthy--as he said it was last year. Well, if the patient is healthy one doesn't need to operate on him. Now that the patient is ill would the PM decide a further operation is needed? What to expect going forward?

No one really knows. However as a community of karmic healers, we are never helpless.

  • We can collectively act for good governance, by first channelling healing that, "Sound economic measures are put in place by all branches of the Indian government for the benefit and welfare of the people; that there is a recovery of the economy with jobs and income for all through legitimate means without government corruption and obstruction." [This affirmation may be coded as "GG-201709".]

Nalin Nirula

Sep 05, 2017

Your mutual fund investments- Buy more or sell?

A number of people have asked me whether in the current economic climate one should continue to invest in mutual funds or hold the money or cash out.

Valueresearchonline.com has an interesting article by Arati Krishnan that essentially advises taking 'some money off the table'--which means cashing out and having a wait and watch attitude. She concludes the article by saying, 'Yes, it can be painful to book profits in a steadily rising market and you will certainly be tempted to ride the rally just a little bit further. But resisting that temptation will ensure that you aren't swimming naked if the tide turns.'

A different view
At the same time, Dhirendra Kumar of Valueresearch advises the opposite in his article 'To Sell or Not to Sell'. He says, 'So when should investors actually sell their funds? The correct answer is that they should be guided by their financial goals. You should sell a fund and get your money out when you need it. You invested for five or ten or fifteen years, continued your SIPs, and the money has grown to what you need.' The implication is that if one has been a short term investor, then following Arati Krishnan's recommendation would be better.

The analytical view
Dev Ashish of StableInvestor.com has a very well reasoned view on this subject which may be more relevant depending on the time frame an investor is looking at--3 years, or 5 to 10 years. He charted and analyzed the returns of various time periods from 1999 to 2017 in his article (link below).
He points out that historically when the P/E of the Nifty Index is greater than 24 (which is currently hovering between a dangerously high P/E of 25 and 26), the 3 year maximum returns on the index are a miniscule 4.6%, while the minimum is a staggering negative (-) 16.4%!

He concludes with, "There is a strong (but not guaranteed) correlation between the trailing PE ratio and Nifty returns. And this small study proves the same and provides some useful insights. If we were to go by the historical data, the Nifty delivers higher return (in long term) whenever the PE ratio is low. On the other hand, it tends to deliver very low to negative returns, whenever the PE is very high and investment horizon is short." The entire article is accessible here.

The takeaway: If someone has a short time frame that anticipates needing some funds in 2 or 3 years, then one should look into parking some of the investments into liquid debt funds to cover that need. If an investor has a longer term time frame, he may still park some money in debt and wait it out.

It depends entirely on ones comfort level of seeing the stock market possibly lose a substantial amount of market capital in the shorter term--reflecting in a corresponding loss of value of one's own investment.

Nalin Nirula

Aug 12, 2017

BG 11.15-31 - Krishna's Universal Form

Arjuna said, "I see in your body the assembly of all the demigods, along with other living beings. I see specifically Lord Brahma on a lotus flower and Lord Shiva, as well as the great sages and divine serpents."—BG 11.15

For more Bhagavad Gita lectures click here

Aug 04, 2017

The Mystery of Karma

Excerpts from Nalin Nirula's forthcoming book--

Cracking the Karma Code for Winning in Life.

This autographed Collector's Edition will be available in October, 2017.

The Mystery of Karma
"Why is it that I see the bad guys doing well, and the good guys get left behind?"

If you have asked this question, as I have, you are in the greater majority of people who have felt frustrated and helpless with this at some time or another, not knowing how to change things in their favor.

The answer we might get is, that we are getting from life according to our destiny, our karma. We are told that if we do good we will experience good things, and yet there is so much trouble that finds us even as we try to do good and be good. It just doesn’t seem right or fair does it?

We really need to get reliable answers to these questions so that we can act with confidence, and be free from doubt that we are moving in a progressive way in life. Without this understanding there is a lot of anxiety about the uncertainties of what life holds in store for us. What is right and proper, is also something to look at. Whose standard of right and wrong? Mine, or the enforceable law of the land, or some other law?

"Whodunit to whom? Me & Myself?!"
All of these doubts can be removed by looking at the theory of karma. Think of it as a mystery to unravel. It's a whodunit where we are accused of being both the perpetrators as well as the victims! Quite an astonishing charge indeed!

The first exploration will be to examine and understand what the karma theory proposes, and see if this is factual and true according to the evidence, science and research.

Topics we look at include how actions develop consequences (karma), destiny; rebirth or reincarnation; past and future lives of the individual; and what defines the material and spiritual. We will also examine who we are, and what is immortality.

Aug 03, 2017

How this book will help you change your life and destiny

Excerpts from Nalin Nirula's forthcoming book--

Cracking the Karma Code for Winning in Life.

This autographed Collector's Edition will be available in October, 2017.

Published by NNP

My approach to delivering you a capability for working knowledgeably with the mechanisms of karma is different than what you might find in the popular genre of self development books, that usually don't take into account the karma factor. This is a fundamental flaw in such books.

While most self-help books may identify the type of behavior needed to be successful—they do not create the how needed to make a meaningful change in the reader's vision and actions. Without this inner change, the reader cannot act naturally in accordance with what is needed to improve his destiny and life.

Methods offering standardized rules cannot take into account individual circumstances and what the reader might be willing or able to do. It is like a gym membership where most people eventually end up dropping out of, or like an exercise treadmill at home that mostly lies unused. It is there, but not used much, and eventually not used at all.

As you interact with what you read in Cracking the Karma Code, it will generate within you the 'how' in a way that is doable and sustainable without causing you internal conflict.

This will help transform your everyday approach to how you act, and equip you to face life's challenges in practical ways. Here, you won't find methods that promote artificial behavior or a by-the-numbers approach. Such an approach forces on an ill-fitting uncomfortable suit or dress of behavior and action that doesn’t get more comfortable even as you practice the methods. It doesn’t match with who and where you are at the time, and it creates artificially high standards at which you may be more likely to fail in achieving than succeeding.

You might already have experience of this. At the end of it all, you are left feeling a little less worthy than before—or you may tend dismiss the whole thing as a nice uplifting read but something that is unachievable. Either way, it is frustrating.

The 'standard' methods advised in self-development books remain out of sync with you, because you are not standard.

You are unique and keep changing dynamically. This is not that type of a 'method' book. As you read on you will find your life-approach changing organically to harmonize with your understanding of what you need to do.

There is no pressure here that might make you drop out of the process, and no room for disappointment. There is enough here to inspire you to work at solving the mysteries of karma and consequences, to effectively better your life. There are prizes to be won in life. You will find what you need for that in this book with many levels and degrees of options available for you to explore.

Next - excerpts from Chapter 2 - 'The Mystery of Karma'

Aug 02, 2017

The Karma Challenge - 2 obstacles

Excerpts from Nalin Nirula's forthcoming book--

Cracking the Karma Code for Winning in Life.

The First Edition, First Printing of this lavishly produced, faux leather hard cover gold embossed personally signed Collector's Edition will be available in October, 2017.

Published by NNP

Watch this space for more excerpts and announcements.

Excerpts from Chapter 1 - The Karma Challenge

There are two major obstacles in approaching the karma theory. First, there is a lack of understanding what it is, or even whether there is such a thing at all as karma or destiny. The second difficulty is the common and popular misunderstanding that the nature of destiny is fixed.

Sometimes under the pressure of unfavorable circumstances, or under a feeling of having the power to act in a particular way advantageous to us, we act greedily, or thoughtlessly, unlawfully, and even fearfully. When that brings troublesome results later, we lament our fate as being undeserving victims.Then we tend to say, "Oh, it's our karma, what can we do?" as though we are helpless.

'My karma' means I can do something to change it!
Actually this, 'it is my karma' statement should be very encouraging to us. If we caused it, we should certainly be able to fix it. While this is not fixable in the long term by manipulative measures we might try, the good news is that it is decisively and permanently fixable with some special outside help. I will explain this further on in greater detail and tell you how you can get this special help.

The next chapter, The Mystery of Karma, explores and scientifically establishes that there is, indeed, such a thing as karma or action based destiny. However, we can get an understanding of this now with the following simple example.

Just as you might have indigestion or other ailments because of the action (or karma) of improper eating, you also have the option of doing the karma of seeking medical help, along with rectifying your eating habits to cure the problem. Similarly, if someone is a smoker they reduce their health and lifespan by that activity.

If the same person abstains from smoking, they can add healthy years and extend their lifespan as compared to the outcomes of smoking-related illness and a shortened lifespan. From this we can understand that karma is not absolutely fixed for all things and there is scope for adjustment by our actions. What might be the limitations of these simple self-help measures needs to be seen as well...

(To be continued)

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When you ask "What can I do...?"--here is a Do-Wop style reminder for you!

Healers--Download the Revised Attitude of Gratitude given on December 1, 2014 by clicking on the image below.

Here is a HAPPY DAY song for you!
Press the player button to hear (and sing along!)
"Zindagi mein tarakki karo..."

You can download the Thoughts post of May 16, 2013, "Defeating Desires and Cravings", as a convenient PDF e-book with or without the audio version.

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Special e-book-- "Making Sense of My Life", Elaborates on the meaning of the Healing Song of Purpose guidance for: Getting information and knowledge, Decoding information for right action, Tackling life situations effectively.

(12.7 MB file) Right Click to download printable PDF 'Making Sense of My Life'. (For opening the mp3 attachments, click on the paper clip icon at the bottom left corner of the PDF)