Abdul Nasir Jangda – Ramadan FAQs #04

			Bismillah Alhamdulillah wa Salatu salat wa salam ala rasulillah Allah alihi wa sahbihi edge marine
		

			Assalamu alaykum warahmatullahi wabarakatuhu. Welcome back to a another session of Ramadan FAQs,
where we are answering the questions that y'all are sending in a lot of the questions that people
have, during the month of Ramadan, it doesn't necessarily have to be about the month of Ramadan.
That ends up being the case, a lot of times they're about fasting. They're about Zakat, and
different things. But nonetheless, Ramadan is a time where because everyone is a little bit more
dialed in, people do end up having a lot more questions. So we're trying to answer those questions.
Alhamdulillah
		

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			gonna lock it up. So
		

			let's go ahead and jump into the questions for today. I know that we're starting a little bit late,
I apologize for that I had classes all day long. And so some of the classes, winter head, wind kind
of overtime. So I'm just now coming straight from another program to this program so humbly now.
		

			So
		

			first of all, some questions about fasting that people had, number one,
		

			fasting and chawan. Someone's asking the question, can I make the intention for the six days first,
and then later on? My makeup fasts? Right? So if somebody missed some fasting Ramadan, like a
sister, due to her days of menstruation,
		

			she was not able to fast or somebody was traveling or somebody was sick, or ill whatever the case
was, they were not able to fast for a number of days. Now, let's say they have six days to make up.
And then there's the six days of show well. So they're asking,
		

			Can they make the intention for the six days of chawan? Before doing their makeup fast? Yes,
absolutely, you can, because you have all year long to make up your fast. The six fastest show while
are virtuous within the month of chawan according to the majority opinion, so you can go ahead and
prioritize the fat six, fastest show while
		

			the second question about fasting that we have here today. The second question is can I make up fast
for my deceased father, who was sick and previously missed them? So the scenario is and this is a
question I get asked a lot that someone had an elderly or sick parent who was not able to keep their
fast or just in general, maybe they didn't. And you know, May Allah forgive them. They didn't keep
their fast. Okay, um, and then they pass away. So now there's a question Can I make up their fast
for them? No, you cannot. So the thing is, physical worship, physical worship, like fasting, like
Salah, one person cannot physically do it on another person's behalf. The obligations, your the her
		

			prayer, nobody else can figure though her on your behalf. You're also nobody else can pray your
answer on your behalf. You have to do it. And if you don't do it, nobody else can do it. Fasting, I
have to fasten on Milan. Nobody confess on my behalf. However, however, if in this question, the
deceased parent
		

			they were sick before they passed away, and that's why they weren't fasting. You can pay for the $10
per day that they were not able to fast due to their sickness. You can pay that on their behalf
because it's financial, but you can't physically do
		

			An act of obligatory worship on somebody else's behalf would love to tell Olympus. There's no
difference of opinion here. There's no difference of opinion. I've been hearing this a lot this from
Milan, more so this or Milan than in previous years. And I was. And yes, somebody asked on Instagram
that is just for fun, a bother, right only for your obligations. All right, and but for some reason
I've been hearing that a lot this year then is compared to previous years. And
		

			I'm not really sure where that's coming from, but there's no difference of opinion there. Somebody
asked a follow up question is hij included in the physical worship? No. How does the exception to
the rule? Why? Why is Hutch the exception to the rule. Because the prophets, a lot of the songs said
so that's why, right? The prophets, Allah, these can make an exception. And he did make an exception
for hedge and only hedge. And also hedge is not purely physical. There's also financial component,
Minnesota either he sebelah, you not only have to be physically capable of doing hard, you have to
be able to afford doing hedge. Alright, so that's the reason why.
		

			Now, some succoth related questions. So let me see some of the online questions that are being asked
here as well, because, you know, we appreciate I appreciate y'all jumping on and joining the stream.
So might as well answer. Somebody said if I have 10k in my account, and at the time of the 11 month,
again, another 5k, do I pizzicato 10 or 15k, I didn't hold the 15k for a full year. So
		

			technically,
		

			you could pay only on the 10k. But then because you've got the 15th k in the 11th month,
		

			then you're going to have to keep track of 12 months on that 5k. So when 12 months occur on that 5k
then you're gonna have to pay off that 5k. And then two months after that, you got to pay on the
other 10k. And before you know it, you got like six different days in a year on what you pay zakat
on different increments within your overall assets.
		

			At some point, you can see how that's going to become very difficult to manage. Therefore, the
recommendation is you fix a Zakat date.
		

			You fix this account date, the first thing Ramadan, the first of January, whatever works for you,
okay, you fix a ticket date. And on that date, you will give two and a half percent of whatever is
in your savings account, whatever is in your investments, even if it was just gained in just two
months, because if you think about it, ultimately, at the end of the day, everything's going to kind
of round itself off. But that is my recommendation. That is a recommendation of a lot of scholars,
because just the way that our accounts and our assets and things like that work these days is very
difficult to keep track of everything. Well, I would tell him to sew up. And I hope that that makes
		

			sense.
		

			Sorry, well, luck would tell all of this up. And I hope that that makes sense to everyone in sha
Allah. Just checking here if there were any other Zakat related questions, Can God be given to
siblings? Yes, again. Yes, again, is a God cannot be given to parents and grandparents, children and
grandchildren are lower. I mean, typically, most people don't, you know, don't interact with the
third generation back or the third generation forward. But whatever. Your parents, grandparents,
great grandparents, you cannot give it out to them. your children, your grandchildren, your great
grandchildren, you cannot give it out to them. But you can give it out to any and all other
		

			relatives you can give to your siblings you can give to your aunts and uncles you can give to your
nephews and nieces. Use the gods anywhere else, but not your children, not your parents will sue
them for that is the rule. All right. Um, so someone is asking that if I've already verbally
committed to X amount of dollar silicone to be paid to an organization between now and the end of
the year? Do I count that as a deduction from my zakaat to countable assets? Um, no, you do not know
you do not because you only count against the countable assets. Once it's like a debt that is owed.
If you made a promise to give charity to an organization, you should keep that promise but it's not
		

			the same as money that is owed to someone local 10 out of the saw, okay. I'm kind of going back to
fasting someone saying if you break a fast on accident, do you not have to make that up?
		

			If you ate or drank something accidentally, then
		

			you do not have to make that up. There's a hadith and proselytism that says you do not have to just
say no
		

			From the Leela and keep on fasting, all right,
		

			Mashallah, my
		

			good friend
		

			saqib is asking to be more specific. This is not a scheduled monthly sustainer type donation. It's a
commitment to be x k in whatever lumps and whatever frequency between now and December, ideally as
soon as possible. So there's one thing I can recommend. And this is not a loophole, I'm not giving a
loophole, but I now that I know, you know who the questioner is, and kind of what specifically he's
asking about, what I would recommend in that scenario is, go ahead and take that promised amount and
just move it into a separate account. And that becomes kind of a way that you set it aside. Right,
um, and that will allow you to then count that as a deduction from the socketable assets. And Allah
		

			knows rest. All right. So God just has that kind of sensitivity about it, you know, so I don't mean
to be too technical, and too nitpicky, but Takata is just one of those very delicate kind of things.
Do we have electronic criteria of those, that ticket should be given to you? Absolutely. If you go
to the following website, support column.com. See, this is why I tell you, y'all gotta support why
if you go to the following website, if you just go to column dot Institute, it'll land on the page
that says Ramadan resources, you go to the Ramadan resources page, and over there, you will see a
workshop done on the fifth of zakat. Alright, so
		

			I'm going to share this here online, hopefully,
		

			do it correctly.
		

			For those that are on Instagram, you might not be able to, but just try to follow along with what
I'm saying. If you go to Calum dot Institute,
		

			and those that are on Facebook and YouTube, you see the page now. You click Ramadan program, you
click on Muslim program, you'll see everything you need for Ramadan, 2021, all of our programs, and
you'll come down over here. And you will see Ramadan, webinars, all over here and questions about
Ramadan, and you keep scrolling. And there are zakaat resources here as well right here. Sorry about
that. It's called have questions about Ramadan. It's called fifth of zakat. Once you click it, you
are now watching the fifth of the gods workshop conducted by none other than muster for money. But
if at any point Saudi does figure out how to join us thingee because once a person starts earning
		

			money, it's easy to get greedy, but will afflict people with drought.
		

			receivables means so they're right there you have these are cost resources. So that is on the column
		

			on the column website, it's a free open resource available to everybody. So please do check that
out. Okay. Now, let me see here if there are any other Okay. Very good. So now, there are some
questions here as well off of Facebook. Let me take those real quickly. Can God be paid? Partially?
Um, yes, it can. Yes. Again, it's all about your intention. So it absolutely can be paid partially.
I can they're saying I can pay in the span of two to three months. Yes, you can do that. Someone is
asking should I pay zakat on my wife's personal jewelry? Technically speaking, it is your wife's
responsibility. But you as her husband can absolutely do that. on our behalf. You can do that for
		

			her. There's nothing prohibiting it does, obviously, as long as she knows and she gives permission
for that.
		

			And cannot be forgotten gifts I want to know is I want to gift an orphan. You absolutely can. You
absolutely can at the time with the proselytism. There was no standardized currency. So everyone was
paying to God in different items.
		

			Now, one of the questions that we had submitted and somebody asked that question on Facebook as
well, and that is the cotton retirement account. So somebody asked, do we always account on
retirement funds? I can I are a alright. When it comes to IRAs, it actually depends on what kind of
a retirement account that you have. If you have a Roth IRA,
		

			that you can access and don't have penalties on then you do have to basic on it, whatever is in that
account every year, you got to give two and a half percent of that if you have a traditional IRA
account that you do not have access to without penalties,
		

			then you do not have to pay the gods on it. Because your access to it is limited and you only have
two basic options.
		

			funds that you have access to. So you do not have to pay zakat on a traditional IRA until you cash
it out. All right, and then at that time you cash it out, it comes into your account, it comes into
your possession, after a year passes, then you're paid out on it. So you're treated like any other
kind of wealth that you have newly acquired at that moment. That is the understanding, generally,
there's some difference of opinion of course, in contemporary issues, there's always going to be a
little bit of difference of opinion. But nonetheless, that is generally the understanding and that
is my recommendation. Well luckily, Allah Allah and Allah knows best. Now, another question that we
		

			have here we have some questions about Ramadan and spirituality. Someone says, What can I do in the
lesson night to have a four month old and I'm exhausted by the end of the day.
		

			Quality over quantity, quality over quantity. Everybody say with me quality over quantity, okay. It
is about the quality of the deed and not the quantity. If there's if there was ever a moment to
remember that it is right now. That is the whole purpose behind Laila to cover the profits a lot
even there are two narrations, some one narration from I believe I've delivered on a bus or the
Alcatel Anima or Aveda radi Allahu taala. And who says that the prophets, a lot of them told them
about a man in one of the previous nations, when the previous you know, followers of the previous
prophets, he went and, you know, fought in battle for, you know, 80 years, consecutively, 70 years
		

			consecutively. And the Sahaba when they heard that they were very envious, and they said, We can't
do that, you know, we don't live long enough to be able to do that. And they let certain other came
down day if you worshiping in one night, worshipping these 10 days, the reward is greater than than
worshiping for 1000 months. All right. Another narration says the prophets a lot of them told them
about somebody that for eight years, he spent his life fasting every day praying every night fasting
every day, praying every night, he spent 80 years that way. So the Sahaba were very envious when
they are they don't even live to be at and again to the to the other, they were reminded of that,
		

			that worshipping this one night can actually fetch you a reward that is greater than 1000 months. So
quality over quantity sister, so if you are able to just sit and read a little bit of put on listen
to some Quran, if you're able to just kind of sit in bed while holding your baby and just make dua.
Allah will accept that from you. You have to know that you got to believe that you got to feel that.
All right. That is the mercy of Allah.
		

			There were some follow up questions here. I'm very good questions about takato. Let me try to tackle
them.
		

			So
		

			my friend says assuming same rule for 401k, that you don't have access to, as what you mentioned, a
Roth IRA. Yes. So keep correct. So the same logic would apply in the case of 401k, you don't have
access to it, it's not unrestricted access, you will be heavily penalized, and so on and so forth.
So then the same logic would apply that you do not have to pay zakat on it. So I dismissed it.
Somebody said, I had this misconception that all of ours are capitalist meaning or madonn. Robots or
cotton for encasing was our very same logic would apply there. And no, your God does not have to all
be paid in Ramadan. I mean, technically, you can pay it at any time during the year. If you want the
		

			reward of Ramadan, then you give it an Ramadan, give as much as you can. But ultimately, you are not
restricted.
		

			Do you have to be sick out if you have outstanding student loan debt, it just depends your asset. So
you take your assets, you minus the student loan debt against it.
		

			student loan debt is a little bit different. Um, so for student loans this year, because of the
government forbearance, there's no interest in no required payments per month, but it's so
aggressively paying to take care of debt, what should we do? Okay.
		

			But if still aggressively paying to take care of debt, what should we do? So that's a very good
question. And see, that's very important information that we need to factor in. When you have
payments that are due, like the bill is coming due. And it's racking up interest and penalties and
fees, then in that scenario, that is an urgent debt, and you need to pay that off immediately. You
need to pay that off immediately. And so whatever your countable assets are, let's say you have an
investment, okay, you have $10,000 in in a savings account, but then you owe $10,000 in student
loans, and they're, you know, do it's aggressively racking up interest and things like that. Then in
		

			that case, you do subtract it and you basically won't end up
		

			Paying, um, you want to end up paying Zakat, that's just your reality. Okay, but if it's a schedule
debt, right, where you're on a, it's like a mortgage, then you only deduct. So one opinion is you
only did up for the month in which you're paying years ago, at most, the most lenient position is
that you can just deduct for that one year, the house payments that you're going to make in one
year. And then you can basically deduct whatever that amount is from your assets. So that will have
to be taken into consideration. So so keep Breck, you're right. So
		

			if it's not coming due right now, then the whole amount should not. If you're just on a monthly
payment, you can just deduct the monthly payments, but not deduct the whole amount. Under normal
circumstances our student debts typically operate where there's racking up crazy interest and it's
very ruthless, then in that scenario, you need to be paying those off and you can deduct such a debt
from your as accountable assets. And Allah knows best is there's a current rental property on which
you still have a mortgage. No. A rather what you there's not a car on the value of the property,
there's a cost on the income that you generate from that
		

			rental property basically. So basically, it works just like any other money, the rental income that
you have, if you spend it all up knows God. But if there's money left over to the point where it
accumulates to as a countable amount, then you pay zakat on it but you do not have to pay on that
rental property in and of itself. That is not as a countable asset in and of itself. Okay.
		

			Very good. So, um,
		

			okay, someone's asking if someone can continue to fast due to weakness or exhaustion. What's the
penalty on missing the fast, there is no penalty. If you are not terminally or chronically ill,
you'll just have to make up that day that you missed, or that you had to break after the call is
over after the gotse after Ramadan is over. And if you are terminally and chronically over you're
not able to fast, then you will pay $10 professed that you are not able to keep it's called Vidya.
someone saying should I pay zakat on the value of rental properties without mortgage to add schurman
value based on the price I paid or guess what I could sell for. So you do not have to pay on the
		

			value of a rental property. It is very different when you are flipping houses, as opposed to you own
it. And it's a long term thing that you own, then you do not pay on properties. There's some
difference of opinion there. But that is my recommendation that you do not pay on properties that
you own, even if you are generating rental income from there more so you'll just treat your income
as as a countable assets. If it accumulates and stays in your possession for a year. We're lucky to
Allah and Allah knows rest. Okay.
		

			The next question is,
		

			okay, there's a couple of good questions here. But I'll just tackle
		

			one more question.
		

			All right, how should one control themselves and their thoughts when they're trying very hard not to
commit a sin, but the temptation and desire to do it are very strong, especially if you really want
it for yourself, and everyone also indulges in it freely. So there's a couple of things here. Number
one, is that
		

			the remembrance of Allah subhanaw taala.
		

			Allah basically Allah, He taught my inner loop, you're looking for that strength, to be able to
overcome to be able to push these evil thoughts out of your head, to not succumb to your desires.
the remembrance of Allah subhanaw taala is the most powerful resource. So whenever you start to feel
weak, whenever those thoughts are popping into your head, then remind yourself of Allah make the
dhikr of Allah.
		

			Right? Just remind yourself of Allah make the thicker of Allah, it'll give you strength. It's
powerful, number one. Number two, is that just like anything else, your strength and your capacity
builds with time and effort and rigor. You can't give up.
		

			So you're struggling right now but it will get easier it will get better. You have to know that you
have to believe that you have to stick with it. Number three. So you mentioned something very
specific, saying everyone also indulges in it freely. That's sometimes looking at your influences
and your environment and your surroundings is very important. And if you are trying to achieve good
you need to surround yourself with good
		

			All right. And so try to find company and environment influences that are in line with what you are
seeking what you are pursuing, and what you where you would like to be in life, like Atlanta Misawa.
		

			In the llanos vessel where somebody with a follow up question, if someone has less than the nisab
Gold, should they need to phase it out? Because it is so expensive these days, I understand there's
a little bit of a difference of opinion, I would, I would direct you to go in and watch, you know,
the workshop that must take money conducted on tickets, because it requires a little bit more
explanation. But very quickly, there are two standards for determining who is
		

			you know, who is obligated to pay tickets? And who is eligible to receive tickets, there is a silver
standard, which comes out to like $500, at the most, it's actually less than that. And then there is
the golden standard, which is like around $3,000. Okay. And they're both kind of drastic.
		

			My own personal recommendation, my own personal analysis of the situation, is that I operate by the
golden standard, by the gold standard. I know it's a little bit high. But I feel like that is what
in my analysis, in my estimation, in my experience, and my understanding is most appropriate for our
situation, when an American audience is asking me that question, okay.
		

			I know that most tech company agrees with that. That's why I'm quoting that. And there might be some
scholars who go by the silver standard, and that's completely fine. They have every right to their
opinion and their position. But that is my recommendation.
		

			Would love to tattle on me so well, but Allah knows best. I really appreciate everyone tuning in for
the Ramadan FAQs. This is happening here every day. 5pm please join us. Number two. Tonight we have
a very special program that starting at 11:45pm Central time. All right, so right before midnight,
right before midnight, it'll be started ramen, Murphy and I talking about forgiveness from Allah.
We'll be talking about stories from the Quran, from the life of the Prophet salatu salam powerfull
verses from the Quran, a Hadith of the prophets, a lot of them are focusing on the forgiveness from
Allah, to get in that mindset, the spirit of the last 10 nights of the month of Ramadan and to get
		

			that forgiveness from Allah subhanaw taala. So that'll be starting tonight in sha Allah. And as
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