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About the Author

KARMEL NAIR was born Catholic, is married to a Hindu and practises the Buddhist way of life. Before turning to Tarot she worked in a media house and as a successful RJ with leading radio stations. Then Tarot happened and opened up a new world of experience and discovery to her. Karmel went on to become one of the leading Tarot readers in Mumbai, India, and also did television shows as an expert Tarot Reader where she reached out to millions, to hear them out and offer tarot-based solutions.

She turned to Vipassana and meditation to deal with the persistent vacuum she felt despite her success. An increasing absorption in her knowledge of the self led to the realisation that we are all here with a purpose, to serve a calling and that the more we align with the same the more we are enriched in life. She counselled and helped many people from all walks of life; sad, curious, distressed, heartbroken people who came to her for a glimpse of the future, and more importantly, to deal with their grief. Equipped with a Masters’ degree in Psychotherapy and her skills as a Tarot reader, Karmel found herself in a position to help people get a glimpse of what the future had in store for them and to mitigate the negatives through correct steps and actions.

This book is a product of her experience, learning and understanding of Tarot and of human nature.

Your Tarot Predictions for 2015
Karmel Nair


www.millsandboon.co.uk

This book is dedicated to the three angels of my life

Sanaa, Madhav and Miara

Acknowledgements

I would like to thank the two most important people in my life who have made this book possible—my husband Manoj Nair and my daughter Miara Nair. Without the timely guidance and encouragement that I received from my husband, I wouldn’t have written this book. He has guided me, walked me gently through its concepts, and more importantly, believed in me. His belief went into shaping my own and thus the book came into being. My daughter is just a toddler, but her intelligence and understanding can put an adult to shame. She has been kind to me when it came to time and deadlines. She is my shining star. I am blessed with two such strong pillars and only thank the Universe for giving me this opportunity to be part of my husband and daughter’s life.

I would like to thank two other important people in my life, my best friends Russell Lobo and Shobha Vikram, two of my severest critics and greatest supporters who have pushed, pulled, guided and motivated me through every page of this book. I owe this book to them. I whole heartedly thank you both for being such great friends and even better critics.

I would like to thank my family; my father-in-law Unni Krishnan Nair, my mom Mary Fernando, dad Anthony Fernando, brother Montanus, brother-in-law Ronald Sequeira and especially my sister Camillia who helped me manage time and write this book. A strong support system like a strong family can go a long way in shaping one’s life and this is what my family is all about, love, adjustment and encouragement. Their belief and confidence that I can do just about anything gave me the courage to write this book.

A book comes into being not just through the author but also due to the opportunities and help that she receives while writing. I would like to thank my publisher Harlequin India for giving me this brilliant opportunity to bring this book out to you. My editor Sucharita Dutta-Asane was a tremendous help in getting the best out of me for this book. She was pushy at times but mostly patient and kind, and I guess these are the qualities that make a good editor.

Last but not the least I would like to thank you for believing in me and in my Tarot Book of the Future for you. I can only say that this book, besides being a book of future predictions, will also guide you to shape your life and discover the new you.

Karmel Nair

Contents

Cover

About the Author

Title Page

Dedication

Acknowledgements

My Journey Through Tarot

Myths About Tarot

Tarot FAQs

What is Tarot

How Can You Benefit From Tarot

How is Tarot Different From Numerology and Astrology

What is in this Book for You?

Some Terms to Remember

The Book of Emperor: ARIES

TAROT Trump

Monthly Predictions—2015

Your Love Life in 2015

Your Health in 2015

Your Wealth in 2015

Your Career in 2015

The Spiritual You in 2015

Summary of Your Predictions

Tarot Spreads

Author’s Note for You

Your Iconic Contemporary

The Book of Hierophant: TAURUS

TAROT Trump

Monthly Predictions 2015

Your Love Life in 2015

Your Health in 2015

Your Wealth in 2015

Your Career in 2015

The Spiritual You in 2015

Summary of Your Predictions

Tarot Spreads

Author’s Note to You

Your Iconic Contemporary

The Book of Lovers: GEMINI

TAROT Trump

Monthly Predictions

Your Love Life in 2015

Your Health in 2015

Your Wealth in 2015

Your Career in 2015

The Spiritual You in 2015

Summary of Your Predictions

Tarot Spreads

Author’s Note to You

Your Iconic Contemporary

The Book of Chariot: CANCER

TAROT Trump

Monthly Predictions

Your Love Life in 2015

Your Health in 2015

Your Wealth in 2015

Your Career in 2015

The Spiritual You in 2015

Summary of Your Predictions

Tarot Spreads

Author’s Note to You

Your Iconic Contemporary

The Book of Strength: LEO

TAROT Trump

Monthly Predictions for 2015

Your Love Life in 2015

Your Health in 2015

Your Wealth in 2015

Your Career in 2015

The Spiritual You in 2015

Summary of Your Predictions

Tarot Spreads

Author’s Note to You

Your Iconic Contemporary

The Book of Hermit: VIRGO

TAROT Trump

Monthly Predictions 2015

Your Love Life in 2015

Your Health in 2015

Your Wealth in 2015

Your Career in 2015

The Spiritual You in 2015

Summary of Your Predictions

Tarot Spreads

Author’s Note to You

Your Iconic Contemporary

The Book of Justice: LIBRA

TAROT Trump

Monthly Predictions in 2015

Your Love Life in 2015

Your Health in 2015

Your Wealth in 2015

Your Career in 2015

The Spiritual You in 2015

Summary of Your Predictions

Tarot Spreads

Author’s Note to You

Your Iconic Contemporary

The Book of Death: SCORPIO

TAROT Trump

Monthly Predictions 2015

Your Love Life in 2015

Your Health in 2015

Your Wealth in 2015

Your Career in 2015

The Spiritual you in 2015

Summary of Your Predictions

Tarot Spreads

Author’s Note to You

Your Iconic Contemporaries

The Book of Temperance: SAGITTARIUS

TAROT Trump

Monthly Predictions in 2015

Your Love Life in 2015

Your Health in 2015

Your Wealth in 2015

Your Career in 2015

The Spiritual You in 2015

Summary of Your Predictions

Tarot Spreads

Author’s Note to You

Your Iconic Contemporaries

The Book of Devil: CAPRICORN

TAROT Trump

Monthly Predictions in 2015

Your Love Life in 2015

Your Health in 2015

Your Wealth in 2015

Your Career in 2015

The Spiritual You in 2015

Summary of Your Predictions

Tarot Spreads

Author’s Note to You

Your Iconic Contemporaries

The Book of Star: AQUARIUS

TAROT Trump

Monthly Predictions in 2015

Your Love Life in 2015

Your Health In 2015

Your Wealth in 2015

Your Career in 2015

The Spiritual You in 2015

Summary of Your Predictions

Tarot Spreads

Author’s Note to You

Your Iconic Contemporaries

The Book of Moon: PISCES

TAROT Trump

Monthly Predictions in 2015

Your Love Life in 2015

Your Health in 2015

Your Wealth in 2015

Your Career in 2015

The Spiritual You in 2015

Summary of your Predictions

Tarot Spreads

Author’s Note to You

Your Iconic Contemporaries

Copyright

My Journey Through Tarot

They say a journey of a thousand miles begins with a single step. There I was on a pleasant Goan evening right in the middle of a bustling flea market. The stall in front of me was nondescript yet alluring with bold letters inviting visitors to ‘KNOW YOUR DESTINY WITH TAROT’. I took the initial step with trepidation and curiosity, with the keenness to know what was in store for me. I entered the stall and met an elderly lady whose hypnotic and magical eyes belied her age. I took a seat right in front of her. She immediately asked me in a confident tone, “What would you like to know?” Well, this was my first time and I was a total novice at asking questions about my future. With all my inexperience and innocence, I gathered courage and came up with a simple question. “What do you see in my near future?” She shuffled her cards some three to four times and spread them in a circular shape, a total of five cards. They looked colourful and interesting, even magical and mystical. She seemed lost in the cards and this kind of gave me a mixed feeling. Was it good or bad? In any case I butted into the silence and asked, “So what do you see?” To this she answered, “My dear, I am happy to tell you that I see you getting married to your boyfriend, the one you are seeing now, in less than a year.”

This came as a surprise to me as I was unsure of my ongoing relationship and definitely wasn’t considering marriage anytime soon. The other things she said really appalled me. “I see a new beginning,” she said, “a beautiful one, but this comes at a price.” I was sold. “What beginning and what price?” I asked.

“I see you starting a journey that you have never taken before, a journey that will change your life and your life’s purpose, but at a price that you may have to pay now. The price is at the cost of your existing job. You may be asked to leave what you believe is your dream job, only to begin the real journey of your life.”

This kind of disappointed me. I loved my job as a Radio Jockey with a leading radio station; I was doing exceedingly well and there was talk of my being moved to prime time, which was like an indirect promotion. It was out of the question that I would be asked to leave. What journey was I going to start? This didn’t go down too well with me. However, with this I ended my reading and bid adieu to the mystical woman.

When I returned to my job, everything looked good, as it was. It continued in the same manner for a couple of days only for something strange to happen after that. In less than 10 days I was asked to leave from my present profile and this at a time when I was doing very well and hoping to shift into drive time shows. The project I was working on had moved to some other location and they didn’t need me any longer. This shattered me and my dream. That’s when the Tarot reader’s predictions rang like a warning bell in my head. Her predictions were coming true. I felt it deep in my heart. Four months from the time I got my first ever Tarot reading, I was engaged to my boy friend and was married after another three months.

Today I am happily married, leading a different but remarkable life in which I discover myself each day. Everything she predicted went right and I found it difficult to accept this, to even acknowledge it. After a couple of months I went back looking for her because the urge to know what she had left unsaid nagged me. She had mentioned a new journey. What could it be? I went back to Goa where I met her at the same place. Luckily for me, I met her just as she was packing up for Europe permanently. I reminded her that I had been there a few months ago and she had predicted everything correctly but with one undisclosed thread of events.

“You will discover yourself through your instinct and intuition. You are meant to do something related to foretelling the destiny of others. Your calling is to see the unknown.” Her prediction was still ambiguous. On the way back I continued to ponder over her words.

Life got back to normal as usual. I found myself a new job, was getting ready to move on with marriage and the rest, but there were sudden incidents that would bring me back to what the Tarot reader had predicted about my self-discovery. Two of my common friends got engaged; I had a nagging feeling about the eventual marriage and would often discuss the uncomfortable instinct with my husband. I strongly felt that their marriage wouldn’t last long. Since it was only a feeling, an intuition, I couldn’t take it beyond discussing it with my husband. My friends got married and three months later they separated. This didn’t come as a surprise to me for I knew something was wrong, my instinct told me so.

After a while I predicted India’s victory in a critical match, a victory which seemed impossible. Again it was my intuition, my sixth sense. It didn’t stop at this. I continued predicting big and small incidents as if my ability had suddenly assumed a mind of its own. A colleague of mine was going through a difficult financial situation; I predicted an unexpected sum of money for him, a windfall. Of course he didn’t believe me when I said help would come; I didn’t know from where or how, but I knew it would, and it did. Incidents like these would keep bringing me back to the Tarot reader’s prediction and that’s when it dawned on me that Tarot could be the missing link. Probably this is how I could foretell one’s destiny, heal one’s life through my knowledge, and show others the way. This is when my journey began.

I started working towards this new discovery, the discovery of Tarot. I knew the underlying power of Tarot but the success lay in becoming not just a Tarot reader but a good one. I dedicated my life to its understanding and study. I continued working but only half heartedly. I was convinced that Tarot was the big change and I had to master it; my destiny rested upon it.

There has been no looking back. I have excelled at my work as an expert on this subject and in fact Tarot has opened doors to more than what I thought predicting the past, present, and future was all about. It showed me the way to spirituality. Spirituality is about connecting with your real self, with the Being in you. I am yet to get there but the journey has begun. Tarot has opened the door to achieving greatness and success beyond the material wonders of life.

Around this time, Vipassana also happened to me. Vipassana is a scientific form of meditation which releases negative energy from your body and brings your biggest formidable opponent under your complete control, your Mind! I attended a ten day course of Vipassana, and this opened my third eye. I knew my purpose in life—to reach out to others and guide them to their destiny through Tarot. I studied the Science of Psychotherapy and Counselling and this equipped me with a deep and scientific understanding of the human mind and enabled me to understand my clients’ needs beyond just pure tarot reading.

Today Tarot is an intrinsic part of my life and my experience as Tarot Reader gives me the confidence and knowledge to write this book. It is not just a medium to predict the future but a different way of life. As a student and practitioner of Tarot I have learnt that there is more to an individual than just his/her future. As a Reader I don’t just predict the future for my clients but try to equip them, through my intuitive future forecasts, with knowledge of what awaits them and how they can shape their future with this foreknowledge. Tarot gets you to where you want to be. My experience over the years has shown me it is not just the readings that draw people back to me but the whole process of change that Tarot offers. Besides readings, Tarot gives you a new way to handle life by guiding you not only through predictions for the future but also by equipping you with the means to address this future.

The Tarot way encourages and enables a deep understanding of the self that no other medium does. Spirituality is this deep sense of understanding of one’s inner being. Tarot gives you the power to get in touch with this side and change your destiny by thinking beyond the usual ways and means, beyond your mind’s restricted thought processes. Tarot takes you to your soul; it opens doors to the pure spiritual energy which we all have but is experienced by only a few. Tarot does this for you through me, your Reader; I am the path, Tarot the way, and the spiritual awakening the light. With my understanding of the scientific mind and spiritual knowledge, awakening you from within you becomes a simple and enjoyable process. Once you touch this inner spirit, there is nothing that can stop you from creating your own destiny.

The purpose of Tarot, and therefore my purpose in this book, is to lead you to your spiritual being and unlock your latent powers. Tarot is in a way the holy trinity—it is the future, the change, and the spiritual destiny.

Today I am not just a Tarot reader but a spiritual guide and a qualified counsellor. This was the metamorphosis the old woman had predicted. I had begun my journey in pursuit of material gains and small successes. Today I know my destiny, my purpose. It is to reach out to you, to show you what’s in your destiny, to guide you through it gently and counsel you through life’s difficulties, to help you reconnect with your soul, your true spirit, and to reveal your ultimate purpose. In this book, you will find all this laid out before you through ‘Future Predictions’, ‘Spiritual Reading’ for the year ahead and ‘The Author’s note’.

Welcome to the magical, mystical and alluring world of Tarot and its readings for your past, present and future.

Myths About Tarot

Before we delve into Tarot, how it works, and what it can do for you, there are some other important facts that you must know. Tarot is a powerful medium used for many reasons. These reasons could be good or bad depending on how one uses it and how the other perceives it. For me, Tarot is the magic that happened several years ago. The woman who brought this magic into my life was some kind of a gypsy whom I will probably never forget. I recall my first experience as I was getting my first tarot reading done from her. She was as mystical as Tarot itself. She brought this interesting aura to Tarot which lured me into getting the reading done rather than the tarot cards themselves. Somehow the whole gypsy presentation was fascinating to me, exciting.

I am certain you too have a similar impression about Tarot, at least before you read this book. A lot of myths go into the making of Tarot. These myths are both interesting and fascinating and I would like to dispel them one by one by giving you the true essence of the reader and the Tarot Cards.

Myth: Tarot is done only/mostly by Gypsies. It is Gypsies who created Tarot.

Fact: Tarot is, was, and can be practised by any normal person who has a heightened sense of intuition and has mastered the art of reading tarot cards through practice and meditation. Tarot is neither limited to Gypsies nor was it created by them. The myth developed because in the olden times, Tarot was very often seen with Gypsies. Gypsies used the tarot decks as playing cards and were responsible for bringing them into Europe. It travelled with them from place to place and thus became associated with gypsy lives. Tarot was used by gypsies but mainly for playing games. Its occultism emerged after it travelled down from them to various other parts of the world. Although today Tarot is used by everyone, we tend to see and remember the most impressionable of our experiences, one like mine. Gypsies provide a dark and mystical presentation of Tarot, which makes it easy perhaps to associate Tarot with them.

Myth: Tarot is Black magic

Fact: Tarot is the prediction of one’s life through plain aura reading. Over the years, due to its association with gypsies, magic, dark energy and negative elements, it came to be identified with black magic. Throughout history, various religious institutions have wanted to keep the power and control of human life in their own hands. This caused them to banish tarot and create negative speculation about it, thus discouraging people from using Tarot for predictions and using it instead only as a plaything. Powerful religious institutions didn’t want the power of the future and positive belief to be handed over to the common man as they feared loss of trust and control. Tarot gives you the power to change your destiny by foretelling what’s in store for you and this shall be revealed in the forthcoming chapters of this book. From this it is evident that Tarot is no black magic but simple intuition and aura reading which gives it a certain magical quality due to its predictive quotient.

Myth: Tarot is Witchcraft

Fact: Tarot is purely energy and aura reading. In keeping with the tradition of condemning anything that was not in line with their religious beliefs, powerful institutions down the ages tarnished Tarot’s name by calling it negative, black magic and dark energy so as to dissuade the common man from knowing its true power and potential, the potential which gives one control and mastery over one’s destiny. These religious institutions successfully banished tarot by calling it Witchcraft, devilish and occultist, and thus people were discouraged from relying on these mediums for guidance, depending completely instead on religious and dogmatic practices.

Myth: Tarot connects you with spirits, the supernatural.

Fact: Tarot is not a medium through which one can connect to the spirits of the dead or the supernatural. Planchet is the known technique used to call upon the spirits and is largely criticised by sceptics and critics. Tarot cards do not have the power to connect with spirits or the supernatural. It may finally boil down to the Tarot reader’s ability, the psychic’s power to perform such an action but most definitely not of Tarot per se.

Some people are gifted and have the skill or power to do the impossible; calling upon spirits may be one such skill. Tarot has no such power to call upon spirits whether from the underworld or from heaven. Tarot is associated with this myth due to its connection with the wicca, occult practitioners and other experts who use it as a medium to reveal the unknown in their own expert ways. The reader’s power will eventually transcend into the cards and turn them into a tool in the expert’s hands.

Myth: Tarot is dark, negative and devilish

Fact: How one uses any given tool makes it negative or devilish. If the power of Tarot is used to foretell your destiny and manifest the change needed, it is unarguably positive. On the other hand, when it is misused to harm people through incorrect practices and wrong ethics of the reader, these Tarot cards can become devilish and dark. It ultimately boils down to the charioteer who rides the chariot; the chariot is in his control and doesn’t have a mind of its own. It will turn right or left depending on where the charioteer wishes to take the chariot. Similarly, Tarot can be positive or negative depending on how the tarot reader wishes to use it. Tarot by itself is magnificent, beautiful and powerful.

Myth: Tarot is Magic

Fact: I like this last myth. It is true yet not so. Tarot is magical when the reader uses his/her powers accurately and predicts correctly. It is magical when the Tarot’s powers are tapped by the reader for the good of the querent (one who questions the reader). The power and intuition which the reader possesses makes these cards magical. Without the reader, these cards are simple playing cards and nothing else. The underlying power of tarot comes from the reader’s abilities to perform the right readings. Tarot is the magic which the reader creates.

All of these myths and facts make Tarot intriguing and fascinating. I am certain you have a lot of questions about Tarot, how it is done, whether it is safe, et al. After unravelling the myths surrounding it, it is time I answered your more practical and generic questions regarding Tarot. We will begin with FAQs about Tarot and then move on to what Tarot is, its history and of course its multiple benefits for you.

Tarot FAQs

Over the years, I have come across various questions regarding Tarot from clients, friends, family, and from my immediate and larger social circle. Some are funny, some make you ponder and some are simply ridiculous, but all of them raise different kinds of issues and express various doubts and fears. I have listed some of them here for you.

Q: What does the word Tarot mean?

A: It does not have a specific meaning but over the years attempts have been made to find its meaning and origin. However the closest one can get is to the Italian derivative for Tarot, Tarocchi, which was the name given to Tarot when it was used as playing cards.

Q: Are the predictions 100 % accurate?

A: Mostly. Yes. I get asked this question very often from almost every patron with whom I interact and from every other individual to whom I introduce myself as a Tarot Reader and Psychotherapist. Most readings do turn out to be true unless of course you, the querent (the one who questions the reader), decide to change your actions to achieve a desired result. In such cases your predictions turn out to be different from the previous ones. The extent to which difference is created in the querent’s life from what was earlier predicted depends entirely on the querent’s efforts in changing his/her life for the better.

Q: Is it scientific?

A: No. It isn’t scientific but can form part of the Metaphysical branch of Philosophy which undertakes the study of subjects which are less easily explainable. You can read more about this in the next chapter.

Q: Is it similar to Astrology?

A: No. Astrology has a scientific base, Tarot doesn’t. Tarot is more of Aura reading, it is energy oriented. However, I have discussed this in detail in the next chapter.

Q: Is it better than Numerology, Astrology, Palmistry, Fortune telling etc?

A: This question is like asking a mother which of her children she loves more. All forms of foretelling the future are accurate. It entirely depends upon the experience and suitability you derive from the above mentioned mediums.

Q: Can it answer questions related to stocks, World Cup matches, sex of the foetus, life and death?

A: Yes. Tarot can answer all such questions. It just depends to what extent the Tarot Reader chooses to use this tool and in what manner.

Q: Can Tarot predict the past, present and future?

A: Yes.

Q: Did Tarot originate in India?

A: No.

Q: Where did Tarot originate?

A: Europe. It is believed to have travelled from Egypt to Europe and found its occult base in France and Italy. More on it in the forthcoming chapters.

Q: Can Tarot be learnt?

A: Yes. Learning Tarot is simple. You can do this in as short a time as 10 days, but to predict accurately, one requires to develop the intuition. This requires years of practice and patience. You may start this very moment.

Q: Can Tarot be done for people of all ages?

A: Yes. It can be done for people of all age groups but preferably 18 and above. Not that you need a license, but it’s better to have a strong heart to withstand what unfolds in your reading.

Q: How often should I do a Tarot Reading?

A: The lesser the better. By ‘lesser’, I mean that you are in control of your life and not the external factors. But usually a minimum gap of 45 days should be good between two readings.

Q: Can my Readings change?

A: Yes. You have the power to change your reading by changing your efforts and actions. This is what makes Tarot so beneficial for you. It shows you what’s in store for you and also guides you to change it if you are displeased with the reading.

Q: Does Tarot give remedies?

A: No. A Tarot reader will never give you remedies like rituals to be performed, gem stones to be worn or other objects to be kept close to heart. It’s in this sense that Tarot cannot be termed as a medium which gives remedies. It purely predicts your future and serves as a guideline.

These are usually the questions that I am often asked. As you read further your understanding about Tarot will get better.

What is Tarot
Tarot and its History

Tarot is a set of 78 cards which is believed to have predictive powers. Tarot cards form a set of cards which in contact with the reader’s psychic powers becomes a tool that can reveal your past and present and predict your future. In the olden days Tarot was not used as a tool to foretell one’s destiny; it got its occult value much later.

Tarot has a strange history, full of speculations regarding its present form and use. To the average onlooker it may appear to be a deck of normal playing cards, which it was in the past. It was only around 1520 A.D that the French and the Italians invested these cards with their occult value. Before this time, these cards were used like all other playing decks, for games and entertainment. Many people believe that Tarot travelled to Europe first from Egypt. It’s also believed that during the great fire in Egypt, which burned down most of the ancient libraries, these cards were the only ones to survive as part of the ancient Egyptian culture and history. It then travelled to Europe where it was used as playing cards. There are various speculations about the history of Tarot, some believable, some not, some exciting and some sceptical. I’ll tell you about some that sound credible to me. I leave it to you to form your derivative of Tarot’s history from what you read here.

Tarot cards became popularly used as play cards somewhere in the 14th century in China. The Chinese used these cards merely to play or even to gamble. Tarot was also believed to be used as a source of money to bet on other types of card games. Around this time these cards were just the normal 56 cards with pictorial representation and used for playing card games. The 22 major Arcanas (main cards that predict the distant future) were added much later. From here it travelled down to the Islamic countries and is believed to have moved from here to Europe where, somewhere around the 15th century, it got its full form of 78 cards as well as its occult bearing. No one knows how these 22 major Arcanas came into being, who made them or when they made their first appearance.

In Europe, according to speculation, the Duke of Italy once wrote to a respected statesman asking about the trump cards of tarot. These trump cards are the court cards like the King, Queen and the Knight, along with the 22 major Arcanas. This is the only evidence in history which confirms the existence of the entire 78 cards as one deck. By this time the deck was formed and was still used for playing purposes. As the cards reached Italy, they started using local Latin suits of swords, cups, batons and coins. However, in other places, this deck still comprised of the normal suits of spades, hearts, diamond and clubs. Italy is the place where Tarot went through its major transformation and also received its occult value. Until then, the cards were being used to play a game called Triumph, known today as Bridge.

The history of Tarot and its occult value raises many questions and much speculation. This deck gained huge popularity across Europe and its use was widespread, but still used only as playing cards. No one knows how it got its occult symbolism; there is a lot of speculation around it, but it is generally accepted that in time the Italians discovered its magical powers and called it the Tarocchi, later translated into French as Tarot. This deck had a royal bearing as the duchess and dukes exchanged letters referring to the Tarot deck for entertainment and play.

It is also believed that somewhere around the 17th Century, Tarot found its occult value in France and England. Here the followers of occult discovered in Tarot a medium to predict the future. They developed divinatory meanings for the pictorial representation of tarot cards and thus invested it with occult significance. These cards were used by occult writers and thus it became part of the occult philosophy. As time passed, Tarot graduated from being used as playing cards to being used for occult purposes. As of today, Tarot is used by the occult, the pagan, Wicca and the common man as a tool to predict the future, know the unknown, and help achieve a certain change or balance needed in life to arrive at the desired outcome.

What is a Tarot Deck

A normal deck of cards has four suits—Club, Heart, Spade, Diamond and Court cards, a total of 56 cards. Tarot also has four suits—Cups (signifies emotions), Pentacles (signifies health and wealth), Swords (signifies thoughts and deeds) and Wands (signifies career or ambition) along with Court cards like the King, Queen, Knights and Pages; it has an additional 22 trump cards, a total of 78 cards. The total of four suits and four court cards for each suit make a total of 56 cards. These 56 cards are called the Minor Arcana. The Minor Arcana are cards that predict one’s future or reveal one’s past or present for a short period. The Minor Arcanas have ten cards in each suit starting from Aces to the Ten and each denotes a certain stage of your life. The 22 trump cards are called the Major Arcanas which predict one’s characteristics and the distant future ranging from over one to five years or more at times. The combination of these big and small cards, both the major and minor arcana form the Tarot deck, a total of 78 cards that go towards predicting your future. The Major Arcana starts with the Fool cards which marks the beginning of one’s life’s journey and ends with the World card that stands for completion and accomplishments of desired goals.

Major Arcanas are also widely used to predict personality type and characteristic features. I too have used Major Arcanas to describe you in correlation to your zodiac sign in this book. This will give you an interesting perspective of how Tarot perceives you at its best. The 56 Minor cards and 22 major cards can also be segregated into four elements namely Earth, Fire, Water and Air that form our existence in this Universe. In the four suits, Cups stands for WATER, Wands denotes FIRE, Swords signifies AIR and Pentacles EARTH. Similarly the 22 trump major arcanas too can be divided into these 4 categories. I have divided the 12 zodiac signs into the 12 tarot trump cards associated with them under these four elements:

Aries- The Emperor (fire)

Taurus- The Hierophant (earth)

Gemini- the Lovers (air)

Cancer- The Chariot (water)

Leo- The Strength (fire)

Virgo- The Hermit (earth)

Libra- The Justice (air)

Scorpio- The Death (water)

Sagittarius- The Temperance (fire)

Capricorn- The Devil (earth)

Aquarius- The Star (air)

Pisces- The Moon (water)

Each of these 78 cards is numbered. These numbers have a bearing on the person’s readings as and how these cards appear. The numbers especially on the 12 major Arcanas mentioned above delve into the individuals’ characteristic traits and other qualities associated with their personality.

How is Tarot Reading done?

Tarot reading involves two key elements:

The Tarot card Reader

The querent (one who questions the reader)

The process of tarot reading is an exchange of energy levels and aura which travels from the querent to the reader and then to the tarot cards which finally reveal the answers to your questions. Much of the occult and magical powers that tarot exhibits come from the Tarot Reader’s psychic ability. The stronger a psychic’s ability, the more accurately does the Tarot perform as a tool to predict the past, present and future. So it eventually boils down to how a Reader uses her skills to interpret your destiny from these cards, thus giving them their occult touch.

The querent may start by asking a few questions or giving a brief of concerns for which the querent seeks guidance from the reader. On the basis of the keys concern areas, the reader will formulate precise and direct questions with the querent’s consent and get the answers to them through the querent’s cards. The precision and clarity of the querent’s questions will determine the precision and clarity of the reader’s questions and thus, the response from the cards. It is thus the responsibility of both the reader and querent to be clear and distinct about the nature of queries put forth to the cards. If the querent is clear in her queries, the reader will be in a position to ask pointed or accurate questions and thus arrive at accurate and certain responses from the cards.

Tarot works primarily through the Aura one brings at the time of reading. Aura can be better explained as the energy frequency that the mind and body exude at a given time. This frequency can be happy, sad or simply confused. The energy that you emit is your aura. When you sit for a reading, Tarot predicts your fate on the basis of this energy frequency. This is Tarot’s most important benchmark. So in simple terms, Tarot is nothing more than a reading of your Aura or Energy level. On the basis of your present state of mind, your past, present and future are predicted. Tarot has no scientific base but a strong metaphysical essence. It is like this; you may not have seen god but you believe in divine power and presence. This strong belief system gives life to an unseen, unknown subject. Similarly, Tarot’s powers are unscientific and unexplainable, yet seductively convincing and real. When your readings come true, this fact is reaffirmed.

Tarot derives its power of unravelling fate through the Reader. The Reader is the one who pulls the cards that addresses your questions, concerns and doubts. The reader’s intuitive abilities give tarot the power to transform its projections into reality. Tarot’s success rests with the Reader’s intuitive psychic ability. The more a reader is in close contact with his/her psychic powers, the more accurate the reading. We all have intuitive abilities, what we generally call the sixth sense, but only a few are able to develop the power and the potential to use them constructively. One needs to harness this sixth sense through dedication and perseverance; to explore the realms of the subconscious (mind) and at times even use the powers bestowed upon one through their super conscious being (soul/spirit). To reach this level we need to dedicate our life to the study of aura through constant meditation and the practice of spirituality. This is the only way for a psychic to tap her full psychic ability. A reading or a prediction may go right or wrong depending upon the psychic ability of the Tarot reader to interpret the cards’ outcome in the context of the seeker’s questions. If the reader interprets the cards’ outcome correctly, the predictions will be right; else they will falter.

Tarot Reading is thus the process of foretelling the future, looking into the past or revealing the present through a series of 78 cards. These cards turn bewitching and mystical through the intuitive and psychic ability of the Tarot reader. A good reader holds the key to your life and I would like to thank you for believing in me and giving me this opportunity to read your future for you.

What kind of questions does Tarot answer?

Tarot can answer just about anything that you wish to ask the cards. However, in my experience, most questions revolve around the five important aspects of life: Love, Health, Wealth, Career and Spirituality. These five aspects form the crux of your future in this book of Tarot. You will get a detailed understanding of where you stand in the year to come vis-à-vis these five areas. However, I would like to share a few of the popular questions my patrons often ask in their readings. These questions may be of concern to you too at this moment. If so, then this book could be the answer to these questions:

When will I get married?

Will my relationship last?

Will my marriage last? Do you see divorce or any other such setbacks?

Will peace be restored in my love life?

Would I get the house that I wish to buy?

Will I be successful in my career?

Will I get the desired promotion, incentive or bonus?

Will my return on investments be as planned?

Will my health be good? Do you see any serious worries?

Will my stocks shoot or fall?

Will my finances be good in the year ahead?

Will my job last?

Will I get my dream job and would I be successful at it?

Where am I headed spiritually?

What is the purpose of my life?

What was I in the last birth?

Where do you see me five years hence?

Tarot has answers to all of the above. It can predict your future, reveal your past and present with respect to anything that you may ask. You have to be clear in your mind about your concerns and accurate in your questions.

The next chapter focuses on how tarot can help you. It is not just the predictions that can make a difference to you, but also the overall change that Tarot can bring about that will help you in shaping your life ahead.

How Can You Benefit From Tarot

In my long practice and experience of reading people’s future, I have come upon three important ways in which Tarot can help you. This book of future is based upon these three aspects of Tarot. Let us begin to unfold the potential of Tarot with the first and most popular benefit.

I. Tarot as a medium for prediction

This is the first and most important aspect of Tarot, also its most attractive. Based on the reader’s potential, Tarot can predict your entire future life in a single sitting. Clients typically come to me with their problems, issues or confusions and Tarot offers them a sneak peek into what awaits them with respect to their questions. This prepares them for the better or for worse. To explain this better let me tell you about a few real life examples.

I had a client who visited me just once. It’s difficult to forget her because of the condition she was in when she met me to ask about her marriage. She was 36 years old, had a string of failed relationships and had lost faith in finding the right match for herself. Her parents were desperately seeking a bridegroom for her through various arranged marriage portals. She was convinced that because of her age her chances at marriage were bleak. When she came to me she was dejected, lost and tired; the process of making her past relationships last and the ongoing process of finding a bridegroom had drained her completely. She wanted to know if she could ever get married and live happily ever after.

My reading of her cards showed marriage within six months. Unbelievable as it sounded to her at that time, she took the reading with a pinch of salt. A few months later, I received an e-mail from her. She was getting married and that too, within the stipulated time I had predicted.

In this instance, Tarot served purely as a tool to predict the client’s future.

In another case, I was often visited by a client who had just one question; he wished to buy an apartment of his own in Mumbai. His salary was meagre and this was his only dream and vision for the future. On reading his cards, I told him it would be another two years before he could fulfil his desire. To my dismay, he wouldn’t believe me. He often visited me to cross check this probability and Tarot’s accuracy as his finances dipped or improved. Given his current financial position, this seemed a far cry. Believe it or not, two years later he succeeded in buying his dream apartment on his own merit. The prediction was as true as his home.

Tarot can thus work as a tool purely for future predictions. However, its benefits are not limited to this.

II. Tarot gives you the power to change your reading to achieve the desired results

Tarot’s potential is not limited to merely predicting your future life or reading the past. It goes beyond that. When a prediction is made by the Reader, there is a possibility that the prediction may undergo change and thus become the opposite of what was predicted. This primarily happens because tarot is the only form of occult or a medium which gives you the flexibility to change what you don’t like about your reading. When you see something negative predicted for you, you have the time to invest efforts and energy to bring about a change in the reading and achieve the desired results. Tarot thus gives you the power to change your life and shape it the way you want to. It will show you where you stand at the present moment and what your future looks like considering your present actions and aura. If you like it, keep it the way it is; if not, change it by changing your actions before the predictions manifest themselves.

Tarot therefore serves as a guideline to show you what you can do to improve your future by changing your present. Some of my clients feel happy when their readings go wrong, because the ultimate outcome was what they originally desired.

Three years ago, I had a client who was studying Chartered Accountancy and was preparing for his intermediate exams. He was confident when he came to me; his questions revolved around the jobs he would get after completing C.A. However, when I did his reading he was shocked. His cards revealed that he would fail his intermediate exams; his plans would undergo a complete downturn. I explained to him that his present efforts weren’t enough to help him clear the exam and that instead of dreaming about the future he needed to dedicate all his time and effort to changing the outcome.

He called me after six months to tell me that my reading had gone wrong and that he had cleared his exams as he had planned. He thanked me for guiding him and letting him know his true position and potential on the day he had visited me, for helping him address the possibility of failure before it could happen. Tarot showed him his true position and its consequences had he continued in the same vein. A change was needed and Tarot forewarned him about it.

Thus, Tarot gives you the power to change your destiny. You have it all, but the knowing is often amiss. Tarot is the missing link which connects your actions with the desired future. It tells you what can be done to get from here to where you want to be and not land someplace else, where you don’t wish to be.

One of my clients was an excellent worker, ambitious and goal oriented. She often did readings with me to know about growth and success in her career. However, once she came to me for a different reason. She was given a new role under a new boss. Just before taking over the new role, she had been looking forward to a promotion and a hefty incentive. Apparently, with the new shift and the teething problems with her new boss, she was unsure of her promotion. She wanted a reading primarily to know about her expected promotion. Unfortunately, when I picked her cards, they gave no indication of a promotion. On the contrary, she was set to lose her job! The new boss had taken the decision as he found her overbearing attitude unacceptable. When I told her this she was obviously shocked, but I also informed her that it was in the near future, it hadn’t already happened, and she had the time to turn things around by changing her actions and attitude, by working more patiently, approaching work with a modest attitude and adjusting a little more with her new boss. Tarot also suggested that the less she fought with her boss the better it would be for her. She was advised to be more accommodating towards the new changes presented to her.

She called after a few months. She had had her promotion as against what I had predicted, but it was because she had done as advised, changed her approach to work and therefore gained a better future. If Tarot hadn’t shown where she stood as on that day, she wouldn’t have gotten the promotion and instead would have lost her job.

Tarot thus gives you the power to change your destiny. Positive thinking and a strong belief system can go a long way in changing your life from the present state. Tarot is this source of positive energy. It shows you what you need to do to get what you desire. If your cards predict a certain future and it isn’t what you want, then the solution is simple—what you are doing presently isn’t working for you. Thus change your actions, increase or reduce your efforts as per your Tarot reading and get what you ultimately desire.

Most of my patrons visit me at a time or stage in their life where they have either given up on hope or feel lost and defeated by life’s struggles. Besides predicting their future, my Tarot readings focus on what the future looks like depending on their present stance. I inform them about this undesirable future if so predicted or a desirable one as per the outcome of their readings. In a situation where the readings are undesirable I gently guide them to how they can change their life, by instilling faith and courage in them that they have the power to change their destiny. Tarot guides you and shows you where you will be if you walk a certain path. If the destination is not what you wanted, change your path and transform your life.

Astrology, Numerology or any other form of occult mostly dwells on your life and tells you what is in store for you in time. Tarot goes beyond all this. It definitely tells you what is in store for you in your future and also gives you the magical power to transform your life. No one can take this power away from you and Tarot’s indicative philosophy only reaffirms this. The reading that you do can reflect this change from time to time depending on how you decide to shape your life on the basis of the future predicted in your last reading. Tarot is like a guide or a mentor who holds your hands and takes you to your success. Every step that you take, every change that you bring about in your life on the basis of your Tarot Readings will reflect a different and a better future. It all depends on how you use this power of Tarot to your advantage.

III. Tarot as a Counsellor and a way to spiritual enhancement

This third and last element of Tarot is something I have acquired over the years of practice and experience, my personal contribution to enhancing Tarot readings and their potential to guide lives. Tarot doesn’t necessarily play a direct role of counsellor or a guide to spirituality but it does so indirectly, through me. When I started doing Tarot initially it was only limited to the above two elements, a medium to predict the future and to change your destiny by showing you the way forward. As I grew in my experience as a Tarot card reader I realised that most of my clients kept coming back to me to be healed and, most often, just to open up and pour out their heart to me. Most of my experiences revolved around helping clients battle their life ahead through constant motivational talks and strategies to help them create a better life.

This led me to study ‘Psychotherapy and Counselling’. I did my masters while I was practising Tarot and it helped me immensely to shape my clients’ lives for the better. The scientific understanding of human psychology enabled me to come up with interesting behavioural therapies, methods of psychotherapy and various ways of counselling. Sometimes I deployed assertive therapy, sometimes aggressive therapy, and sometimes plain pep talk therapy. My intervention as a Counsellor started making huge positive changes in my clients’ lives. They developed a more positive and healthy lifestyle and started achieving more out of themselves.

This art of positive reinforcement and scientific intervention was initiated through Tarot in my life. It helped me become an expert at reading the mind and heart and guiding my clients on the basis of these enhanced readings. I struck the right chords of intuition and scientific intervention to heal my patrons. This brought about a phenomenal change in my own perspective of life and a 360 degree shift in my outlook. I started seeing things differently. This is also the time Vipassana happened to me.

Vipassana is an art of self realisation, a way to Nirvana, the method practised and preached by Gautama Buddha. This further enlightened me and opened the door to spirituality. I dedicated a lot of time to studying spirituality and ways to attain self realisation through meditation. During this time I came upon various forms of meditation to heal my clients by helping them reduce stress related problems, address interpersonal issues, and guide them towards self realisation.

Self-realisation is an overwhelming concept or perhaps it is the perception that makes it so. Hence I will dwell a little more on its details to give you a brief understanding of what this concept truly means with respect to Tarot and how each of these three benefits that you derive from Tarot are interrelated.

Nirvana/Self Realisation/Liberation

In my understanding, self-realisation is synonymous with Liberation which is synonymous with Nirvana. Nirvana was the term coined by Gautama Buddha during his phase of actualisation and realisation. Self-realisation as such means your inner realisation where you discover the true essence of your inner being. To be more precise, it is an awakening of the being within. The process of self realisation leads to the answer of the biggest ever rhetorical question ‘Who Am I’?

It may sound untrue if I say you are more than your skin, more than your present body, more than your achievements and are far greater than time. In all honesty and reality, you are. You are a soul who has travelled hundreds of births to achieve this human form. Hence do not let this human form go in vain. The sole purpose of your human form is a blessing, an opportunity to establish oneness with the Universe. When I say oneness I mean harmony, peace and realisation. In a lay man’s terms, realisation is the process of taming the human mind, humankind’s most formidable opponent. This opponent lives within and conquering it delicately and gently is your biggest challenge. This can be done through meditational techniques listed down in the chapter ‘Author’s Note’. You can use the technique listed in the particular volume for your Zodiac sign or read through the rest and choose the one form of meditational technique that suits you the most. I perform the Vipassana meditation. It has become a way of life for me. Vipassana is a simple technique which promises remarkable results. It is a tried and tested technique strongly recommended for achieving glimpses of spiritual enlightenment. I am confident that once you start meditation and see the positive results, you won’t stop what you started. As the saying goes, unless you fall in love, you won’t know what love is.

In our modern times, we are busy with achieving material and emotional gains. This larger purpose is completely lost and you thus lose the purpose of your birth. The sooner you realise that your greatest achievement rests in establishing oneness with the universe and not going against it, the better it will be for you. Now you may ask, why should I even be discussing realisation when I am already happy and content within or without? If this question plays in your mind, I have the answer to it.

Why should I realise?

You may not know what success is unless you have tasted it. You may not know what chocolate is unless you have eaten it. You may not know what love is unless you have felt it. So it is with self-realisation. You may not know what you are missing out on unless you have had a glimpse of it. These glimpses I have had through my study, belief and open mindedness to accept spirituality. You won’t know how beautiful it is, how happy one feels by being in this state, how simple detachment seems, which is probably the main reason for our misery, unless you have had glimpses of realisation. To achieve this and to help you get on with it I have introduced Spirituality readings in this book.

When it comes to liberation I am not there yet, but my attempt is to help with whatever I have studied and understood about the Body, Mind and Spirit. ‘Your Spiritual Reading’ for the year ahead is a special chapter in this book that arose from this understanding and experience through Tarot. It informs you about where you stand spiritually and helps you take the first step towards your ultimate purpose—self-realisation, to get in close contact with the real Being in you.

I have also created a final chapter in each book—the ‘Author’s Note’—which will guide you towards improving your life. This chapter has two exercises, one to read and one to perform. Both are goal-oriented and will help you achieve your dream, desires and eventually self-realisation.

These three benefits of Tarot—future predictions, the concept of change, and ultimately spiritual enlightenment—are inter-related. These three levels of life—the physical level (Predictions), the mental level (the power and control to change your life) and the Spiritual level (the realisation)—are like the three corners of a triangle. As you achieve one, the next will follow. This book aims to give you a glimpse of all three and I only hope you use it your fullest advantage and restore oneness with the Universal energy.

How is Tarot Different From Numerology and Astrology

If you have ever wondered how Tarot predictions are different from Astrology and Numerology, let us unravel this mystery now. In most cases, you would have your own preference for Astrology or Numerology. In picking up this book, you are giving Tarot a chance and I am sure you will not be disappointed.

Astrology is the study of planetary positions in relation to your birth date and time. Through this celestial study an astrologer can predict your personality, strengths and weakness, and past and future events. In Astrology, the Sun and the Moon’s positions play an important role in the celestial chart that reveals a person’s destiny. As these planets revolve and change their positions, so does an individual’s fate.

Numerology is a symbolic study of numbers and reveals one’s characteristic traits. This study of an individual’s characteristics helps us in understanding his strengths and weaknesses which can then be applied to various aspects of life like work, love, or health to get the best out of them. This study is done through the frequency of energy emitted by these numbers within the physical Universe. Birth date plays an important role as most Numerological predictions are based on it.

Tarot is a set of cards used to predict one’s future. Tarot Reading is not just about the cards but also about the Reader’s intuitive skills. Every individual possesses what we call a sixth sense, but only a few develop it to reach a point where it can become a power, beyond the understanding of normal consciousness. This intuition, when combined with the mystical Tarot cards, becomes a perfect tool to predict your destiny. Tarot is thus very different from Astrology and Numerology. It isn’t scientific as the other two mediums but it is definitely metaphysical.

What is this Metaphysics? It is the branch of science or Philosophical Science which studies the less explicable concepts, like the existence of God, the study of what is there and what isn’t, what is cause and what effect, what exists, why and how. It is the study of all reality, visible and invisible, natural and supernatural; for instance our belief in the existence of spirits whether evil or benign, or of the origin of the Universe, which despite all the scientific reasoning and explanation, still retains a tiny seed of mysticism. Another such example is the belief in life on other planets—we haven’t discovered this but we do believe or at least argue on the existence of Aliens and their UFO’s. One may not have seen God or experienced divine presence, but the belief in God’s existence is strong. You may even want to consider the human soul; it has no form, no colour, but we believe that it exists. In my experience, intuition too belongs to such an area of study and exploration. How can one explain the sixth sense, the intuition that something will happen or it may not, the intuition that guides me to predict your destiny which is unexplainable but with results that are acceptable and believable? This is the place where Tarot fits in perfectly. It is inexplicable yet remarkably accurate.

Tarot predicts everything that you may want to know about your life. You just need to find the right Reader. Therefore the accuracy of Tarot cards entirely depends on the skill set of the Reader. A reader develops this skill with great effort by deploying techniques of meditation, patience and constant study. The knowledge of these tools makes the Reader sound in her intuition, thereby helping her relate better with her deck of Tarot cards and providing a prediction that is unmistakably precise and accurate. Astrology and Numerology lack the mystical divinity which a Tarot reader brings through her intuition. The cards whisper your destiny into the Reader’s mind and enable forecasts for your life.

Astrology uses planetary positions and Numerology the science of numbers to foretell your Future. Tarot uses a set of colourful vibrant cards. Let me explain how these cards work.

All the 78 cards in the deck I use belong to one of the four Universal elements: Fire, Water, Air, and Earth. Fire denotes passion, Water emotions, Air knowledge and thought process, and Earth all the worldly goods like wealth and health. Tarot comprises of Major Arcana (major cards which predict characteristic traits and distant future) and Minor Arcana (small cards which predict recent developments in one’s life). Like in a normal card deck, Tarot also has four suits—Wands represent Fire (passion and work), Cups represent Water (emotions), Swords represent Air (the mind) and Pentacles represents Earth (wealth and health).

Unlike Astrology and Numerology, Tarot predictions are dynamic and are subject to change depending upon the efforts you put in to change the future. This dynamism makes Tarot magical and intriguing. Tarot is the only form of occult which gives you the power to change your destiny.

My Tarot readings for your future, as detailed in this book, are based on the 12 Zodiac signs, the mystical Tarot cards, and my own trained and unerring intuitive abilities. The categorized sections have been designed to make it simpler for you to relate with your future as predicted in this book. Limitation in performing individual readings has led me to this segregation which is convenient as it clearly separates you from the rest in a specific Zodiac sign. Tarot is most definitely intriguing and brings in a refreshing perspective and serves more as a guideline than purely a medium to predict one’s future. Besides just predicting the future, it offers solutions, warnings, and guidance for what is to come.

These 78 colourful cards talk to me about your destiny. Come, find out what’s in store for you in 2015.

What is in this Book for You?

This book is the key to your destiny. It lets you see the unknown and unravel the future. This is purely a book of future predictions for 2015. You can use this information or the knowing plainly as an intriguing and interesting reading material to know your future or consider this book as the key to your destiny that gives you the power and control to shape your life in the manner you want it to. You can use these readings to your advantage and make the necessary changes or corrections now to ensure you have a beautiful future, the way you wish it to be.

This book unravels your future gently and delightfully by taking you through a series of chapters divided into five different aspects of life along with some important observations and recommendations to you to better your future. It is based on generalized reading for the 12 Zodiac signs through the mystical and intuitive Tarot Cards. It has no relation to Astrology or Numerology except for the 12 Zodiac titles used in this book. Please do not confuse this book to be a book of Personality, Astrological charts, Numerological Remedies or Rituals or any other form of occult practices. It is purely a book of future which offers you an opportunity of a lifetime to know the unknown.

I have used the Rider Waite Tarot deck for the readings in this Book. This deck is one of the most popular decks created by Mr Arthur Waite and illustrated by Pamela Smith. It is also known as the Rider Waite Smith deck. This deck plays an important role in the first chapter of each book of Zodiac sign as it visually refers you to the Tarot Card that describes you. The book is arranged in twelve volumes for the twelve Zodiac signs. Each volume consists of ten chapters. The chapters are described briefly as follows:

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