@The Probabilist:
Thank you for answering. Glad you gave your own opinion instead of quoting other people or books.
IMO, thoughts can only create things on condition that time is "real".
If everything in this material world (incl. time) is illusion ("maya"), thoughts cannot create anything, because that implies that time is real:
first you have a thought,
then it materializes.
Everything that happens now is a predetermined illusion (at least in my subjective reality model
).