1.Nav-Nidhi of Kubera as mines, minerals, earthenware and ocean resources
The semantics provided in parenthesis will be explained further in the following sections. The categories involved in the nine treasures of Kubera are: minerals worked on to produce metals and alloys and related artefacts, mineral sources (Padma, Mahapadma), products of smiths (baked vessels), products of the sea traded (tortoise or turtle shell or conch shell). In the case of the conch shell, s’ankha, the basic source of wealth is also worked on to produce wide and red-pigmented bangles, to make trumpets (conches) and polished, painted on the edges in red to be used as sacred ladles for libations or for feeding medicines or milk to infants.
Such are the Navanidhi of Kubera or the nine treasures of Hindu civilization.
The eight directions are decorated with the eight jewels of Mahapadma, Padma, Sankha, Makara, Kacchapa, Mukunda, Kunda, and Nila. (Brahma Samhita: astabhir nidhibhir justam is explained as these eight jewels.) http://www.bvml.org/SBS/1.html