What is the significance of the 'necklace of nine gems' mentioned in the story of Appasaheb?

The 'necklace of nine gems' is a metaphor used in Chapter 33 to describe the profound spiritual gift given to those touched by Sai Baba's hand. In the context of Appasaheb's story, it symbolizes the treasure of 'ninefold devotion and love' and serves as a form of remembrance of Baba. This is linked to an incident where Baba gave nine rupees. The text contrasts this with Appasaheb's unfulfilled promise to give ten rupees, highlighting the depth of meaning behind Baba's actions. The nine gems represent a complete and precious spiritual endowment, far more valuable than a simple monetary transaction.