Channel: Mirza Yawar Baig
Bismillah R Rahman r Rahim and 100 later on Bedard Amin wa Salatu was Salam ala Sheila freedom BIA even more serene. Mohammad Rasool Allah is Allah Allah highly he write early he was he will send them to Steven cathedra and cathedra. From my brother, my brothers and sisters, what is the difference between expenditure and investment, given that both
involve cash outflow?
Expenditure happens when you acquire something which you may enjoy what which deteriorates and diminishes or depreciates over time.
Investment happens when you acquire something that grows and gives you a return over time.
If you buy a Tesla car, it's an expenditure.
Because over time, it depreciates in value. If you buy Tesla shares, it is an investment because over time they appreciate value.
Elon Musk bought a 9.2% stake in Twitter, for 2.5 or $2.9 billion.
Why did he do that? What is the value of happy of having the opportunity? To answer that question, ask yourself this. What's the value of having the opportunity to call the shots on the most powerful communication channel today?
A lot more than 2.9 billion I can I can tell you.
What will that do? To his already massive wealth?
What will he do to the real purpose of acquiring wealth, which is acquiring power?
Incidentally, he didn't buy a gold plated Cadillac or a customize a 380 with a Jacuzzi on board
that shows that he's not Muslim.
Why am I talking about all this today because the topic of my hotbar is rather than maximize ROI, return on investment. Because that is what Ramadan al Karim is all about. It's about maximizing our return on investment.
We are traders think of this. Think of it like think of ourselves like this. We are traders in the stock exchange called life. We use money given to us to invest in stocks that give us the best deals. If we don't trade, we lose. If we buy losing stocks, we lose. But if we buy stocks that give a high yield, we gain big time.
We have time to trade until the bell rings to end the sale for the day. Then we give a cart
Have you seen an ice cellar and ice cellar in India or Africa. The benefit of living in countries that are poor in money, but rich in life experiences is that you get to see things that you cannot see for a million dollars in America or you're
one of those is the site of an ice cellar, but seen with the eyes of the heart with win with wisdom and understanding.
Let me describe that scene for you. Because that is what our life is.
He operates in summer only because that is when people want ice the most.
That is also when ice melts the fastest. Everyone in he buys a big block of ice from the ice factory. places it on his postcard on a bed of rice husk covers it with a white cloth to radiate the heat as much as possible and hits the street.
He has only one goal to sell his ice as fast as he can.
You may think that his asset is his block of ice it isn't. His asset is only as much of it as he can convert to cash.
The rest melt away and drips onto the road.
And that is why he can't rest until he sells his ice.
This is a story of our lives. We are ice sellers. Our ice is our life or time or money, energy effort. Whatever
what we transfer to Allah subhanho wa Taala remains what we don't melt away.
Our wealth is not what we have today. But what we have that night
or night is the day we die
unless around that has ever been sorted on their mind the Columbian photo. Omar in the law he Buck
wall Annette Xion Lavina Savile Row, I Jerome be asked any mark can we I'm alone and was around that I said whatever is with you will be exhausted will melt away will disappear.
will be gone. And whatever is with Allah would you want to send with Allah Subhana Allah data, your good deeds, and the and whatever you invest in Allah will remain. And those who are patient, we Allah saying Allah dinero will certainly pay them a reward in proportion to the best of what they used to do,
our eyes will melt away. Even if we have a whole glacier, it will be gone or left behind.
Only what we transfer to Allah subhanaw taala will remain.
And He in His boundless generosity said, and those who are patient, we will certainly pay them a reward in proportion to the best of what they used to do.
Doing good, patiently, consistently, quietly, guarding our is last, our sincerity, only to please Allah subhanaw taala. And then being amazed when he takes the best of what we did.
What he enabled us to do, and rewards us for all that we did, according to that best.
How can we ever thank Allah's manager for his generosity,
we get investment opportunities on two parameters, multiplier, and guarantor. This is called the risk return ratio. The risk return ratio is a measure of return in terms of risk for a specific time period.
What is the good risk to return ratio? In many cases, market strategists find the ideal risk return a risk reward ratio for the investments to be approximately one is to three to tripling the investment rate one is to three, I want you to remember this ratio, this number one is to three three times
in simpler language. Before investing, you ask yourself two questions, what is the multiplier for the investment, and who is guaranteeing that return?
It's the combined effect of both factors that decides how good an investment opportunity is. And that's the reason why blue chip companies stocks and government bonds are considered good investments. Even though the multiplier is relatively small, the yield is relatively small, because the guarantor is solid.
It's a huge global multinational corporation or it's a government.
And we believe that they can deliver what they promise
not the words, we believe that they can deliver what they promise.
Startups usually give a much higher promise of return, but the guarantee is people thin.
In theory, the best investment is where you get the highest return at zero risk.
In the reality of this world, this doesn't exist because every investment is risky to some extent. The underlying principle in all this is really one
what do you believe? What do you believe
and that depends on who you trust.
risk perception is a measure of trust. With that in mind, let us look at the at an investment opportunity which is zero risk and highest return
on availability levels it mangia Bill has an ad father who actually wrote um Salya
whoever brings a good deed shall have 10 times what was the best deal that Market Strategist
give for an investment in this world? Three times one is two three,
unless America has basic minimum,
the market strategies highest maximum best D one is to three ALLAH SubhanA delas basic minimum one is to 10 the one who wherever brings a good deed will have 10 times the lack thereof. Mangia will has an ID father who Andrew and Sally
who didn't have greater returns what once you take what's one to 10 in percentages
one is two three is 300%. What is to 10 is 1,000%. And the guarantor
is not GE or Microsoft or Tesla. The guarantor is is not even the government in United States. The guarantor in this case is Allah subhanho wa taala.
The Creator, the Sustainer, the maintainer, the provider, of all the universe, all that you and I know and don't know, and to whom is our eternal he is the one guaranteeing
What's the guaranteed minimum one is to tell
Allah Subhana Allah Who controls everything, and who's treasures are boundless. But this being a statement of Allah Subhana Allah data is not restricted even to that 1,000% He said about those who invest with him and his and in his cause. Masala Lavina you and Fiona I'm boiler home visibility like Sally Burton unbirth savasana Villa fi who leads to Mulethi mere to have by wala who you will die if only my Wallah who asked you an ID, the likeness the example of those who spend their wealth in the way of Allah subhanaw taala is like
the example of a grain of course, it grows several years and each year has 100 100 grids.
So, one is to 700. We talked about one is to 10 this is one is to 701 to 10 is 1,000%. One is to 700 is 70,000%.
And Allah then doesn't even stop with that. Allah says Allah, Allah gives manifold increase.
Wala Will you lie EVO Lima Yeshua as he wishes.
And Allah is all sufficient for his creatures needs and the all over Allah Who was the one I leave? The rate of return is, as I said, 70,000% If you can't do the numbers, I don't blame you. But the return is not restricted to that because Allah as I said, gives even more.
What is the catch? There's always a catch, right? What is the catch? The catch is very simple. Do we believe?
Do we believe?
Government bonds we believe in the government? blue chip stocks we believe in the
funding or investing in
startups, we believe in the entrepreneur.
guarantee of Allah? Do we really believe? Do we really believe that Allah will give what he promised? My brothers and sisters, it is really as simple as that. Do we believe that we will die, that we will be resurrected? And then we will be rewarded as Allah promised? Do we really believe in the promises of Allah? As I said, in my hotbar, last Friday, we believe in Allah,
or at least we say we believe in Allah. But do we believe in His promises? And if you do not believe in the promises of Allah, then we do? Do we really believe in Allah?
This is not a real trick question. This is the hard, harsh reality, which we will face one day, the reward of believing in the unperceivable alive is to witness it one day and know that it was true.
The reward off believing in the unperceivable of aim is to witness it one day and know that it was the truth that you believe the truth. But today, we must believe without perceiving and give evidence of that investment. give evidence of that belief by investing in his promise geladeira.
That is the essence of our call.
To take risk, no risk, no tobacco.
The Sahaba took risk because they trusted Allah subhanaw taala didn't.
What is the meaning of even using the word risk with respect to Allah?
They didn't take risk. They understood that there was no risk. When the guarantor is Allah, they believe that and they found that to be true. We hesitate because to us, this material world is real. And the asset is unreal. That is the deception of shaytan and Allah subhanaw taala warned us about this and said, A shaitan Oh, you're either Gomal fakra Well, yeah, Marocco mill fascia, wala Whoo, yeah. Loco Mahavira dumb Minwoo of Allah. Wala who is even I leave the shaitan threatens you with poverty and orders you to commit fascia.
Whereas Allah promises you forgiveness from himself and bounty and Allah is all sufficient for his creatures needs and all nor
unless around that our daughters want to do about shaitana deceptions he said in a shaitan Allah kumara do first of you who do in the row his Babu li a goon or min as harvest sorry.
Surely shaytan is your enemy. So treat him like any
He only invites his followers his his, that they may become the dwellers of the blazing Fire. May Allah protect us from this? What do you say about those who instead of treating Jetta as their enemy, treat Allah Subhana Allah and His Messenger SallAllahu sallam was their knees, I mean those who deal in interest and thereby accept a declaration of war from Allah subhanho wa taala. And those would lie to the seller.
What do you call those?
You are at war with
friends or enemies.
Let us ask ourselves, who our enemies shatta or Allah and US versus Allah.
And then let us change our lives starting right now. Because he don't because we don't know when we will be called Allah Subhana Allah
I definitely do not want to be called to Allah subhanaw taala and then stand before him as his enemy in Allah and Allah now will be left they will
because then it's too late to change.
Let us see how those who knew this deal, how they invested their assets.
During the day, we're gonna have rasa Salah there was a young orphan who wanted to build a wall around his house. He had a house yet some they passed.
But then there was a palm tree, or which belonged to his neighbor, his neighbor was Abu Baba.
So this boundary belonged over Bulava, this date bomb. And I don't know if you've seen datetimes full grown data with a massive thing.
So this dead palm tree was in the way. So this young boy, he went to Ebola, Viva la. And he told him this is what I want to do I want to build a wall around my house.
So can you give this tree to him? Because the wall won't go the streets of the way. So can you give this to me?
I would have always said no. It's my tree.
The boy said yes. That's all I'm asking you. If you can give the tree to me, then can you send the tree to me? I will pay. You know what do you want me to pay?
I will do our Motherland who said no. It is my hub. I will not say
that this boy was
stuck. So he went to a source of Salem. He said he got angry. He said I'm going to complain to the processor.
And he went
and he cried before he went to Salem and he complained and he said Yara so Allah, this is what has happened.
So Rasul Allah is Allah is LM,
very softly, he said, where is our kala moonwalk. They called abou Baba or the alarm. And that's what Asana sallam said to Baba
here's why with a young boy he's an orphan he wants to secure his inheritance by building a wall around his house. So he needs this tree help him give him the tree
of Allah protect ourselves from ourselves.
Sometimes we don't see the wood for the trees
so I would always have no jasola This is my tree I will not give it
and sell it will take some money for these uh, no. I don't want the money. I will not sell the tree
as well as Alexandria. Okay then give me the tree. Sell the tree to me. I will give you I will guarantee you I guarantee you a tree in Jannah
that give me this one tree in this world. And I will guarantee you a tree in Jannah what is the meaning of saying tree in Jana?
Tree in Jana means you are going to be there right it's your tree you are arguing you will not be sitting the other places say You know what I would Regina no
way unless there was no ourselves above our or vlR rosette.
I don't want it and he walked away.
Now there was another savvy around Delano his name was our data.
Our data Delana was in the budget and he was watching this whole thing happening this whole insanity she's she heard the conversations he saw what was happening. So as soon as I will have our left I will dad got up from his place went to resources. Sullivan said jasola If I get that tree for you, will you guarantee me the same thing?
Right. If I get the tree for you will you guarantee me the same thing?
See the thinking of the Zabba see what they're doing here right.
This is a deal being done
with the data. This is this is trade.
So he said can you
If I get the tree for you will you guarantee me the same thing? Yes. You get the tree same promise for you a tree in general.
I would add another law no went behind our law by the time we caught up with him he was in the market.
And he said to him, will you sell me that tree?
I will always say look, I am I refuse to sell the tree to resources, sell availability.
I will always have one holder I would have said no hold on. He said what do you know about me? And imagine this is happening in the middle of the market. People are collecting this thing. What is this conversation?
He said what do you know about me? So Apollo Baba avellana he said I know what everyone in Medina knows about you that you are a Buddha. And you have the most valuable piece of real estate in Madeira. You have this date Archer with 600 bearing trees mature bearing dead pumps
and you have your house in that orchard. And you have a well of sweet water in the soldier
this is what we all know about you.
reserve Okay then. How about is it here's the deal.
The deal is that I will give you by old age or date orchard and the House and the well for that one tree of yours
I will do ours it to you crazy isn't lost your mind what you are telling me that you will give me 600 trees and house and a well that beautiful piece of property you have for one tree that tree which I have
I would rather than answer yes
I will allow was that I was sure I this is some kind of a joke is a no
no imagine the situation seen these two servers speaking and people have surrounded them.
So I would have said if this is if you are speaking the truth and this is if this is the deal that I accept and all these people are with us.
I woulda said to him, this is the deal. You have accepted and all the people are witness.
Then I would add Alan's motherland. He goes to the garden now he sold the garden he's not not his anymore because he's given it to our Luba.
He goes there stand outside the gate and he calls his wife Yeah. Oh Madatha come out. She comes out of the house.
He says come day. Let's start backing up. We are leaving.
Bring the children
she said away wherever you are. Whatever.
He said I sold this whole thing. I've sold the garden the house the well everything. She said Who?
He says our data says I have sold it to Rasul Allah salAllahu Alaihe Salam Omada Delana says for how much
I will gather the allowances for one tree in Jana
one tree in Jana he didn't even say one tree for me whatever you want to refer each other to you know, his or her one tree in Jannah.
Before I tell you what she said think about what would what would you say? What would I say?
Maybe we go hunting for fatawa to say this is haram.
Here is a man who sold our inheritance here the man who's on you know our means of income.
For one tree in Jana has some pie in the sky
in that Illa when my brothers and sisters this seriously we have to ask ourselves what is this Dean? Did this hour different the different Allah different was all different things and we have something as well what what's the story?
So he says to work about?
I've sold this old thing, Jesus to whom? He says do rasool Allah SallAllahu Sallam Jesus for how much? He says for one tree in Jannah? What does she say? She says Subhan Allah What a bargain
subarna Allah What a bargain
People whose behavior in the context of our understanding and our so called logic and intelligence, looks crazy.
looks crazy. And Allah knows I say that with the utmost respect for the Sahaba is one lady with me.
But it was because they were crazy that they conquered the world.
It is because they were crazy to Allah
was around that transform that will transform the world, transform the world and put it at their feet.
They were crazy enough to invest in Allah.
And we are too intelligent to invest in Allah.
They are so intelligent that we invest in AI that you're so intelligent that we invest in human beings. And we invest in this organization and that organization is so intelligent.
So who's crazy? And who's intelligent?
And that comes back to the same question. Who is Muslim? What is the definition of being Muslim?
Who do you trust? Who's What do you believe
as they were coming out
one little child picks up a date tweeted
when Madonna is mother puts her finger in his mouth and takes it out and throws it and so yeah, maybe we sold this to also Allah for Salem, we sold is to align his messages so I'm leaving. It's not ours.
They come to the masjid.
I was under the law who comes to Mr. Salim and he says to the why the tree is yours go take it.
The boy is very happy. He was one like on the street.
So he makes the offer many lives
without alarm who comes to visit Santa? He said yeah, sort of.
I bought the drivel
about the TiVo
and he said
You promised me one tree Jana is still there? No. I have the tree
this is a lie. Salalah Valley Valley you assembly sell seldom says to him. Yeah, but
I promised you one tree. But you're Rob jelajah. Who showed me your Jana
and he has filled it with trees.
He said I province do one tree.
What's your Rob showed me your Jana and he has filled with trees.
My brothers and sisters nice story of course. But the question I asked myself and you and ask you to ask yourself
if I were in the place of Abu Dhabi,
would I give up all my assets and literally become homeless? With my family for one tree injure?
Put yourself in that place. Look at your house, look at your cars, look at your businesses. Look at your wealth with your jewels, look at your board, silver bank accounts, stock portfolio everything.
And say um I would write a check
for all the value of all of this. For what reason? Would I do that?
Anywhere myself I knew
that the purpose of the story is not for entertainment, or to weep a few a week a few tears and marvel at the man of this habit.
But the purpose of the story is to try to emulate them so that we may be with them when we meet Allah Subhana.
Allah subhanho wa Taala promised us this this is not my wishful thinking. Unless Rantala said wasabia Cornella Walloon amener muhajir in our lands, he will levy of our own BS
or the Allahu Anhu or the one word that a home Jana God that yell and ha Rouhani Dean fie.
The article for those who are Ozzie and the first to embrace Islam, the mahadji rune sabe Hoonah love alone the first of the first
the ones who will race the first and won the race. The Saudi phenomenon the first who embrace Islam of the Maharaja rune and the Tsar and those who followed them exactly in faith, those who followed them exactly who did what they did, who took the decisions of their lives, the way the cyber to their decision their lives.
Think about this, Allah subhanaw taala did not have lived his door open.
If Alliance there was behold Allah wa Runa Minar Maha Delena one on Saturday I'll be allowed one what are the one this was complete?
But Allah did not do that Allah subhanaw taala is the infinite mercy left the door for the diva of the Sahaba for the timbre of the Rasul Allah is Allah for following this Abba and following us or Salam. Allah left the door open until the day of judgment until the last person is dead on the day. We'll have the opportunity you have the opportunity, you have the opportunity, follow us.
Follow us on
As a seller,
imitate them emulate them. And what will happen is that you will be with them.
And you will have Allah is well pleased with them and they are pleased with Allah, He has prepared for them Gardens under which rivers flow to dwell there and to stay there forever. That is supremum success.
I remind myself when you have other sisters that today we are not called upon to do what the Sahaba did, nobody's asking you to sell all your assets and donate it to something for them for a tree in general.
We are at some very small things.
But even then we hesitate.
But we don't hesitate to buy the enmity of Allah Allah wa salam in the relay when
we are not asked to do the same thing like this, our it but the opportunity to earn the pleasure of Allah subhanaw taala and his reward is still the same. Therefore we have the opportunity to spend in the Cause of Allah. So when you have the opportunity to spend in the Cause of Allah don't ask, What can I afford? How much should I spend, ask, how much should I invest in my asset?
How much should I invest in my effort? How much do I want from Allah subhanaw taala.
I advise myself when you
give until it hurts,
give until it hurts. And when it hurts, give more until Chetan on the way
give knowing that it hurts only when we don't have enough faith in the province of Allah. That is the diagnostic tool.
If it hurts.
If faith is weak,
it hurts. If it is weak, if returns it means where it is weak, otherwise, it's great fun. We search for opportunities to give like the Sahaba used to do, because you know that you are building your own assets and investing with someone whose promise is true. So the following
that we are isolators
we cannot keep a fire along with our eyes block.
It's a matter of transferring our assets from our banks and saves to Allah. We are not even spending for Allah is spending for ourselves.
We are building our own Accra. Instead of building a house here and building a house in Ghana.
That is all.
It is as simple as that.
It's a question of transferring our assets from our banks and safes to Allah subhanaw taala and then collecting the return on our investment when we meet him.
On that day, either we will be called to account or we will be given the account of our investment
that choice is ours.
So let us choose wisely because that meeting is sure and inevitable.
How that will be is in our heads.
Robert Hassan Susannah Welcome to filling out our Hamdallah Laguna Niguel Cassidy urbanna fulfill Anadolu been our gopher on NASA yet in outdoor for Nevada. Yeah. Hey, you yaka yo mera medical mysteries as little as an Akula La ilaha illa
avialble Alameen wa sallahu wa ala alihi wa sahbihi.
wa salam aleikum wa rahmatullah wa barakato.