Mirza Yawar Baig – Leverage Sha’ban

Mirza Yawar Baig
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AI: Summary ©

The importance of life as a transaction and the return on investment is discussed, along with the need to give something worthwhile and use it for one's life. Investing in businesses and returning to one's investment decision are emphasized. The speaker emphasizes the importance of living in a small apartment and working for a long time to build a big house. Investing in one's life and potential future is also emphasized.

AI: Summary ©

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			In the name of Allah, Most Gracious, Most
		
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			Merciful, All praise is due to Allah, Lord
		
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			of the worlds.
		
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			Peace and blessings be upon the Messengers and
		
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			Prophets, Muhammad and the Messenger of Allah, peace
		
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			and blessings be upon him and his family.
		
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			Peace and blessings be upon you.
		
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			Brothers and sisters, life is a transaction, right?
		
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			We talk about winners and losers in life
		
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			and this and that.
		
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			So, who is a winner and who is
		
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			a loser?
		
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			It is a transaction.
		
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			In business, who is the winner?
		
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			The one who makes more profit.
		
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			Who is the loser?
		
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			One who does not make profit, makes loss.
		
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			So, if you say the winner, does he
		
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			never have a loss?
		
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			No.
		
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			But over a period of time, more number
		
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			of wins, more number of transactions where he
		
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			makes profit.
		
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			Does he sometimes make a mistake?
		
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			Does he sometimes lose some money?
		
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			Of course.
		
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			It is like cricket.
		
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			Every cricketer will get out.
		
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			At some point in time, he will get
		
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			bowled out.
		
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			So, in cricket, we have a term called
		
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			batting average.
		
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			So, the best cricketer is not somebody who
		
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			never gets out because everybody gets out.
		
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			The best cricketer is the one with the
		
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			best batting average.
		
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			So, per match, how many runs did he
		
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			make?
		
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			Same thing in life.
		
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			So, let us look at our own life
		
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			and say, what are we paying to get
		
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			what?
		
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			Life is a transaction.
		
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			You are paying something to get something.
		
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			For example, you are sitting here.
		
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			In these 5-10 minutes, you are spending
		
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			10 minutes of your life.
		
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			So, after you get up from here, I
		
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			want you to evaluate and say, I spent
		
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			10 years of my life.
		
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			Did I get something worth 10 minutes?
		
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			If you got something worth 10 minutes, then
		
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			these 10 minutes are not wasted.
		
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			If you got something which was worth more
		
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			than 10 minutes, Hamdulillah, you made a profit.
		
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			But if you got something which was not
		
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			even worth 10 minutes, then you wasted your
		
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			time.
		
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			Right?
		
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			So, also, social media, we are spending how
		
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			much time?
		
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			God knows.
		
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			There, we do not spend 10 minutes.
		
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			We spend hours, right?
		
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			There are apps.
		
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			The app will tell you how many hours
		
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			a day you spent on the phone.
		
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			The app will tell you.
		
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			It counts.
		
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			So, you say, okay, today I spent 2
		
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			hours.
		
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			And that is a very low number.
		
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			Usually, the average they give for America is
		
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			6 hours a day.
		
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			Now, 6 hours is a full working day.
		
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			On a working day, you work 5 days
		
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			a week.
		
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			On the social media, you are 7 days
		
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			a week.
		
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			So far, it is one work.
		
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			Every year is one lifespan year on social
		
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			media.
		
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			So, you ask yourself, what did I get
		
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			from spending one lifespan year on social media?
		
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			If you had spent 4 lifespan years in
		
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			studying, you would have got a PhD.
		
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			How many lifespan years have gone on social
		
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			media?
		
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			What did you get?
		
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			So, life is a transaction.
		
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			This is the reality.
		
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			You like it, you don't like it.
		
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			This is the reality.
		
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			So, to get something, you must give something.
		
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			So, we need to ask ourselves.
		
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			They say there are no free lunches, right?
		
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			Every time you are doing something, you are
		
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			getting something.
		
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			So, let's ask ourselves this question.
		
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			What am I giving up to get what?
		
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			And then ask, is it worth it?
		
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			Is it worth it?
		
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			If it is worth it, keep doing it.
		
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			But if it is not worth it, get
		
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			out.
		
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			Just get up and walk away.
		
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			Returns on investment, the way we calculate ROI
		
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			in business, they are assessed in terms of
		
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			the amount, the quantum, and the duration.
		
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			So, for example, if I sell my house,
		
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			and I use the money to go on
		
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			a world cruise, in a luxury cruise liner,
		
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			is that a good deal or a bad
		
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			deal?
		
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			Very bad deal, right?
		
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			If I say, no, no, no, I enjoyed
		
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			myself.
		
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			See the photographs.
		
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			I bought this beautiful album, fantastic photograph.
		
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			And now you're homeless.
		
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			That's nice.
		
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			Right?
		
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			Take a photo of that also.
		
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			So, if you do that, what kind of
		
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			investment is that?
		
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			On the other hand, if I sell my
		
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			house, I buy two shops, I rent them
		
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			out, I move into an apartment on rent,
		
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			and the income of those shops, I'm living
		
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			off that investment.
		
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			That's a return on investment.
		
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			I've got two shops.
		
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			That's the real estate value, plus I've got
		
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			an ongoing return, rental value.
		
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			I have a house, I'm living in a
		
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			rental apartment.
		
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			So what?
		
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			Now, that is smart thinking, right?
		
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			Now, do anything.
		
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			Do any kind of permutations and combinations of
		
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			this, sell the house, buy gold stocks, so
		
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			on, so on.
		
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			Any of that vis-a-vis going on
		
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			a cruise, you would say, which is the
		
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			better investment?
		
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			So now, think about this and say, let's
		
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			see how this works with Allah.
		
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			Allah Subhanahu wa ta'ala used this word.
		
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			Allah Subhanahu wa ta'ala called it a
		
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			business.
		
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			Allah said, يَا أَيُّهَا الَّذِينَ آمَنُوا هَلْ أَذُلُّكُمْ
		
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			عَلَىٰ تِجَارَةٍ تُنجِيكُم مِّنْ أَذَامِنَ لِي Allah said,
		
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			oh, you believe?
		
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			Shall I guide you to a tijara, to
		
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			a business, to a buying and selling transaction
		
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			process that will save you from a painful
		
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			punishment?
		
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			What is the result of that investment?
		
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			Allah said, مَنْ جَاءَ بِالْحَسَنَةِ فَلَهُ أَشْرُوا أَمْثَالِهَا
		
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			وَمَنْ جَاءَ بِالسَيِّئَةِ فَلَا يُجْزَى إِلَّا مِثْلَهَا وَهُمْ
		
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			لَا يُظْلَمُونَ Allah said, whoever brings a good
		
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			deed, which is any form of obedience to
		
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			Allah ﷻ, will have ten times that, ten
		
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			times likewise.
		
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			And whoever brings an evil deed, Allah will
		
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			only give him equal to that.
		
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			And they will not be wronged.
		
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			Now what is the one word for obedience
		
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			to Allah?
		
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			Islam.
		
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			And what is the guarantee that whatever it
		
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			is that I am doing is obedience to
		
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			Allah and will earn His pleasure?
		
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			That one word is called a Sunnah.
		
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			The guarantee that my action is acceptable to
		
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			Allah is if the action is according to
		
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			the Sunnah.
		
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			If it's not according to the Sunnah, we
		
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			don't know.
		
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			Maybe it is right, maybe it is wrong.
		
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			But if it is on the Sunnah, we
		
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			are sure.
		
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			So look at the examples Allah gave.
		
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			In Surah Al-Baqarah Allah said, مَثَلُ الَّذِينَ
		
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			يُنفِقُونَ أَنبَالَهُمْ فِي سَبِيلِ اللَّهِ كَمَثَلِ حَبَّةٍ أَنبَتَتْ
		
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			سَبْعَا سَنَابِلَ فِي كُلِّ ثُمْبُلَةٍ حَبَّةٍ ثُمْبُلَةٍ مِّنْهُ
		
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			حَبَّةٍ مِيَتُ حَبَّةٍ ثُمْبُلَةٍ مِيَتُ حَبَّةٍ One hundred
		
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			seeds.
		
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			وَاللَّهُ يُضَعِفُ لِمَن يَشَاءُ وَاللَّهُ وَاسِعٌ عَلِيمٌ Allah
		
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			said the example of those who spend their
		
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			wealth in the path of Allah is like
		
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			the likeness, like the example of a grain
		
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			of corn.
		
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			If it is sown, it grows seven years
		
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			and each year has a hundred grains.
		
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			Allah gives manifold increase to whom He pleases.
		
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			And Allah is all sufficient for His creatures
		
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			and needs.
		
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			He knows what they need and He is
		
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			the All-Knower.
		
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			Allah does not count and give.
		
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			Allah is saying He counted.
		
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			This example is for us to understand.
		
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			But Allah says, وَاللَّهُ يُضَعِفُ لِمَا يَشَاءُ Allah
		
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			will give manifold.
		
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			He will increase it as He wishes.
		
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			Final point on the business of ROI, return
		
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			on investment.
		
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			Value of the return is based on its
		
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			quantum and who is guaranteeing it.
		
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			That's why the U.S. Treasury bonds, U
		
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			.S. $10,000 in U.S. Treasury bonds,
		
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			they attract a lot of investment because even
		
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			though the return interest rate on that is
		
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			only 3%, that's because the people consider U
		
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			.S. government to be a solid guarantor of
		
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			investment.
		
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			They cannot sink because the government is a
		
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			guarantor.
		
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			Now my question is, ask yourself this question,
		
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			then what about Allah?
		
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			Because Allah SWT's return is not 3%.
		
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			Allah is saying 700 times, not percent.
		
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			700 times.
		
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			10 times is minimum, which is 1000%.
		
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			700 times and then Allah says, and beyond
		
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			that Allah will increase as He wishes.
		
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			Now this is really where the rubber meets
		
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			the road as far as our Iman and
		
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			Yaqeen and everything is concerned.
		
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			You wake up and smell the coffee.
		
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			I ask myself and I ask you to
		
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			ask yourself, how much do I really believe
		
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			Allah?
		
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			It's as simple as that.
		
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			Do you really believe this?
		
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			Allah is saying I will give 1 out
		
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			of 10.
		
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			Do you truly believe this?
		
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			I'm not saying as Muslims of course we
		
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			believe the Quran.
		
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			No, no, no.
		
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			As a statement Allah is saying I will
		
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			give this.
		
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			Do you really believe that?
		
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			Because if I really believe it, then the
		
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			answer is in our own lives and our
		
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			decisions and our actions.
		
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			If I believe that one day I will
		
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			meet Allah and I really believe that Allah
		
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			will deliver on His guarantee, then this must
		
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			reflect in my investment with Allah.
		
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			Does it reflect?
		
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			That is accounting, not faith.
		
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			It's reality, not belief.
		
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			Ask anyone who is working in the Middle
		
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			East why they send money home to India
		
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			or Pakistan or wherever they come.
		
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			They live in a small apartment in Saudi
		
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			Arabia or Kuwait or wherever and back home
		
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			in their village they will build a big
		
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			house.
		
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			And that too when the reality is that
		
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			in that small flat when they are working
		
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			in Saudi Arabia or wherever, they will spend
		
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			30 to 40 years literally because that's amount
		
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			of service, right?
		
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			So he goes there at the age of
		
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			say 20, he works for 30 years, he
		
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			is now 50, he works for 40 years,
		
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			he is 60, right?
		
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			Then they get some extension and so on,
		
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			so on.
		
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			And then they retire and come home, back
		
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			home to Pakistan, back home to India or
		
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			wherever and at the age of 65 or
		
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			70, how many years will they live there?
		
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			Yet, he does it because he considers that
		
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			India or Pakistan to be his real home.
		
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			But if he has to go home, the
		
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			home where he lived for 70 years is
		
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			not his home.
		
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			The home where he will die in 20
		
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			years is his home.
		
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			Think about that, 70 years he lived in
		
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			this place, that is not his home.
		
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			He is going to go die there in
		
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			20 years, that's his home.
		
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			That's the birthplace.
		
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			Birthplace, so what?
		
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			But he is spending everything there, right?
		
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			So which is home?
		
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			The point that I am making is, think
		
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			about his Akhira, it's permanent, right?
		
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			But do we really think it is permanent?
		
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			Where is the family?
		
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			That is the point.
		
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			Apart from family, don't take it literally.
		
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			I am saying here, the person is staying
		
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			in this world, how long?
		
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			And then in the Akhira, how long?
		
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			So where is the investment?
		
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			That is the point.
		
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			Seriously, let us think about this and say,
		
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			that if I really believe that, and we
		
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			believe, Inshallah, it's not as if we have
		
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			no faith, we have faith and we are
		
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			trying to, but ask yourself this question and
		
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			say, if I look at my life, what
		
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			is my life showing?
		
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			Does it show that I believe that this
		
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			world is my final destination?
		
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			Or do I believe that the hereafter is
		
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			the final destination?
		
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			Because if I am not sending, investing in
		
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			the hereafter, what will I find there?
		
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			Right?
		
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			What will I find there?
		
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			Because unless I invest there, this is a
		
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			true story.
		
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			Al-Walid bin Abdul Malik, who was the
		
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			Khalifa after Umar ibn Abdul Aziz, he came
		
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			for Umrah, and after he finished Umrah, he
		
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			asked the people, is there anybody for the
		
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			Ta'abih here in Makkah?
		
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			They said yes.
		
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			So they took him to one person who
		
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			was a Ta'abih.
		
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			And Al-Walid said, I have one question.
		
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			My question is, why am I afraid of
		
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			dying?
		
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			He said, I am terrified of dying.
		
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			I don't want to die.
		
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			Why?
		
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			And the person, the Ta'abih, the Buzruk,
		
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			he told him, it is because your palaces
		
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			are here.
		
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			Your wealth is here.
		
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			When you die in your Khabar, when you
		
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			die in the Akhira, you have got nothing.
		
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			You have not sent anything there.
		
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			That's why you are afraid to go there.
		
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			But if you had invested, if you had
		
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			sent there, I built my palace there, Alhamdulillah,
		
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			I want to go there.
		
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			This is a story about the Banu Maya
		
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			Khalif.
		
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			So the question I asked myself when I
		
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			knew is, this applies to everybody.
		
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			It's not only for the kings.
		
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			This applies to all of us.
		
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			Where is my investment?
		
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			Where should it be?
		
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			Nobody says don't live.
		
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			And I'm not saying go become homeless, no.
		
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			Live well, no problem, Alhamdulillah.
		
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			But at some point in time we have
		
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			to say, what am I building over there?
		
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			We ask Allah to help us to focus
		
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			our attention on investing in the place where
		
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			we will be for a very, very, very
		
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			long time, which is the Akhira, which is
		
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			the Khabar.
		
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			And to enable us to invest there so
		
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			that that stay will be, Inshallah, very beautiful
		
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			and comfortable in the care of Allah.