Channel: Mirza Yawar Baig
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In the Hamdulillah, salat wa salam ala
alihi wa sahbihi wa.
Today we'll talk about another
instrument for understanding life.
And that is the instrument called ROI
return on investment.
The way you analyze returns is on three parameters. One is the quantum of return How much is
the second one is the surety of return? How sure is this return?
And the third one is, how long does it last what you get?
actual ROI does not have this last piece, actual ROI only has the first two, which is the surety of the return and the amount of return. And these are inversely proportional.
The higher the surety, generally, the lower the return.
And the greater the risk,
the greater the promise of reward. That's, that's generally how it works.
I add a third dimension to it,
which is how long does it last.
The example I want to give is an example which many of our alumni have given before
and which in our countries we can we still, we can still see it in the West is not a visible example. But here we can see it.
Which is in summer, there are people who sell ice,
right, they buy the ice from the factories, it comes in a big block, maybe the block is about probably three feet long, and
maybe what six cubic feet or something that's big.
And then he puts it he puts a lot of grass and so on on the little on the pavement, they sell it, they put the ice there on the grass, and then he sells ice all day.
Now, by the end of the day, whether he sells the ice or not, that ice will not be there.
Because while he is selling the ice, ice is melting. Right. And at the end of the day, whether he manages to get a price for it, whether he buys to get any customers, whether you manage to sell the ice or not, the ice will be gone.
So if he sells the ice, also it is gone if he doesn't sell it all
right. And this is the example that was given of this life of ours. So if you are an ice seller, what do you want to do?
You want to make sure if you are an ice seller, and if you are resting for five minutes, then you are a fool. Because that five minutes that ice is melting. So if you are an ice seller,
do your best to sell as much of that ice as quickly as possible.
Because the ice is melting.
The longer you stay there, the more is the wastage.
So you will keep on hustling and calling people and this and that. And look, I'll give you a discount if you buy more or whatever. But somehow I must sell this ice. Because if I don't sell it, I whether I sell it or not. It's going if it is sitting there it is melting. So if I sell it, I'm getting some return for it. If I'm not selling it, it is melting anyway.
And this is an example that has given off our life. And this is a beautiful example, if you look at it
this story of our life, whether we make anything of this life or not, that life is going to go the life is going he's not going to it is going it is as I am talking now. My clock is ticking and so many seconds, and by the time we finish here, maybe 10 minutes or so deleted gone.
Now that 10 minutes, did I get a return for this 10 minutes? Or did it just go down the drain?
Either way it is gone. Right? So always, obviously, if this is a asset, which is decreasing by the second, then the more return I can get for this, the more benefit for me in the end.
So like the Isola, we have to think of our own life. And that's why my third dimension to ROI is how long does it last?
So, let us look at that how long does it last first the third dimension
and the third dimension is if you look at for example, holidays
you take a holiday
and nowadays if you go to any reasonable place,
holidays are not cheap, right? If you put in all the travel and staying and
you know I like I like wildlife holidays and
there are resorts in South Africa, for example.
Which car which cost around between five and 7000 Rand per day?
Right? Multiply that by five for your figures.
So we're talking about 35,000 40,000 50,000 rupees a day. Right? So the cost a lot of money, not that I pay for it, but my point is nobody's paying. So the point is that
holidays are not cheap.
But at the end of the holiday, right, you went and you went to Disney, or you went to some wildlife park or wherever you went right? At the end of the holiday, on the, again, going back to our balance sheet,
on the left to put up Put down your cost for this holiday, whatever you spent, and the right column, what will you put?
What is there to show for the holiday? Maybe we took some photographs, right?
You don't even get the tail of the tiger, which means you get a photograph. But beyond that, nothing. So there was a return. Obviously, there was a return Otherwise, why why would you spend the money do you got some returns, you got a return, you say well, and I felt nice, I relaxed and, and so on and so forth. And beautiful sights. And I mean, depending on who's looking, you might say we're in as well as Allah subhanaw taala. Somebody might say, Man, I had a ball or whatever, right? But end of the day, there is nothing to show for it.
There is no tangible return. That's my point. There is no tangible return.
So think about that, in terms of our actions. The first two,
what is the amount of return? And how sure are you of this return.
And as I told you in this in this life, these are inversely proportional.
That's why gambling so many people are attracted to gambling, even though of course gambling is haram. But there is no shortage of people
in any of the gambling dens of the world, whether it's on horses or you know, dogs or whatever and, and number nowadays, every sport is a gambling, cricket. There is a major stakes and cricket major stakes on football and soccer and all sorts of things. Why are so many people attracted to gambling,
because of the promise of huge return.
So the promise of return is so big in their minds, that it helps them to overcome the fear of taking risk.
That's in reality, that's what's happening, right? Because nobody who is running a gambling
game, the only one who wins in a gambling game is the one who's running the game, nobody else.
And nobody who is running a gambling game will ever tell you that the result is guaranteed, of course, it is not guaranteed, right to put your money on a roulette table, the way the ball is going to stop is nobody knows. I mean, even the guy who's running the table does not doesn't know that.
In a slot machine, you pull the handle, no idea.
Somebody some in some cases, you might be able to fix the game, like investigate and so on, we have various instances of game fixing, and match fixing and so on. But other than that, but still, why are so many people you might say people are crazy, they're crazy. They are weighing one against the other.
And to them the return is so attractive, and so vast, and so you know, beneficial within quotes in their minds, that this thought of this beneficial return helps them to overcome the fear of loss.
So the man is not thinking anymore what will happen if I don't get this return, I put everything I have on this horse. And what if the horse doesn't win? He's not thinking about that. He's saying this horse will win.
And then I put everything I put all my savings I sold my house I sold my wife's jewelry, everything I put on zots and now when the horse wins, he will not even say if it was when the horse wins. I will multiply this by 1000 times.
So I'll go home now and by my wife this bit of jewelry and so on so on whatever you got.
If you sit him down and say are you saying when the horse will do no it will when he is not even willing to think he will not even think of the fact that the horse can lose. And if you look at it, how does the bookie make money because more lose than when
the attractiveness of the game is so high that it wipes out the fear of loss.
And so we will go and gamble right?
My point is bring it back to our lives.
Allah subhanaw taala
mentioned to us Anja will have sanity follow through I'm sorry yeah.
I love it though.
One who comes to me with one good deed
I will give him 10 likewise
what percentage is that 10 times is
1,000% Yes 1,000%
and that in the scheme of things Allah subhanaw taala is the minimum
and that's why the Dalai Lama molecule Hakuna ilaha illa hora Buddha Karim,
it is beneath the dignity of Allah subhanho wa Taala to give less
Allah subhanaw taala is and that again is for us to understand, because wherever Allah Subhana Allah has said this, he also said the radius is Allah give you on this.
So, 1,000% is your minimum.
My point is,
you understand ROI, and we say that
if guaranteed return is guaranteed
in our life, the if the return is good, if the return is guaranteed minivator sure, then the amount of return is less.
But in the scheme of things Allah subhanaw taala the return is guaranteed and it is more.
So, in this world, if somebody gives you shows you a scheme where the return is guaranteed and it is very high return, what will you do?
You will put everything you have?
So now, if you find a situation where somebody is saying the return is guaranteed.
And yet you see somebody is not investing in that place, then what do you understand?
something's wrong, meaning that I do not really believe this guarantee, which I'm getting simpler. Nothing is I don't really believe this person is saying I will give you this guarantee.
But I have a doubt.
Either he won't give it or he can't give it one of the two
ideas Oh, promising. You can't You can't deliver
such a look, I'm not I'm not, you know, I'm not gonna put everything in in this event, he can say he can say I'll give you 10,000% or whatever percent. But really, I think he is over promising he cannot deliver I will lose. Or I actually distrust him, he can deliver, but I know that he will not deliver, when the time comes to give, he is not going to give
what is the third? There is not one of these two things.
So now how do we want to explain to ourselves, I remind myself when you how do you want to explain to ourselves that on the one hand, we have the guarantee of Allah subhanho wa Taala.
And on the other hand, we have our own lives where we don't invest in that guaranteed return.
How to explain this?
Each one of us has to look at ourselves and say, How do I explain this for myself? Because it's not it's not a question explain to anybody else. You don't have to justify it to me, I'd rather just wait. It's our own life, end of the day, that block of ice belongs to me. Whether I sell it or it goes down the drain, it's still mine.
Right? It's not somebody else's blog, my blog voice and it is melting. So now you think to ourselves and say that Allah Subhana Allah has given us this guarantee of return, guaranteed return yet I find that I'm not investing here. What does it mean?
Do I trust Allah or not?
I always find myself it's not a matter of politeness or something or saying Alhamdulillah you know, a lie, lie the lie of said I'm a Muslim, of course.
None of that.
If you trust Allah,
then you have to show to Allah that you trust him. That you and I individually you don't have to do to me I don't have to do we have to individually each one of us has to show to us one of that, that we actually trust a lot.
And that will be shown only by our actions, not by our tongue we can talk till the cows come home
with our actions, where is the action to show that you trust Allah?
The reason I'm saying is you're coming to the Ramadan is going
eight nine days gone Today's the 10th right. So 10 days ago and one third of the month is over the world imagine how this time flies our ideas and our lives more than anything else. Just the USA Today we do see the moon we cannot see the moon and whatnot and then 10 days are gone 10 days one
And one life Allah subhanaw taala had not put this Dharavi most of us would not have done that mother worship it's only because it's not compulsory, but it's you know,
maybe it's customary Allah knows best
But anyway, we land up in images and somehow we stick to the you know, in there, but that some that's that's how Allah subhanaw taala ensures that we get some good
Yes, if Tara was not there tell me how many of us would have stood in the night for two hours and Salama who were done.
So 10 days are gone. Now we are going to the next 10 days and then the final 10 days.
The reason I'm saying all of this about return is because one of the biggest
promises of Allah subhanaw taala with regard to return is in Africa. In the last 10 days or so, now with a gap in Nevada, one of the biggest promises or loss of data in terms of return is on this ethic of
for the people who do it again. And that is when the shaitan makes his maximum effort to ensure that somehow or the other you are not in a gap in the last 10 days.
He will produce for you every conceivable thing of how the world will stop running unless you are there to run the world and how you know the sun will not rise in the morning unless you are there to pull the sun up or you know whatever right? Rain won't fall unless you are there and everything with the whole world will come to come to heart because you are sitting in ethical dilemmas the shutdown will try to prove you
Swasey including, for example, Allah, one of the biggest problems is why do automa not do ethika? Because I have to speak in this budget, I have to speak in that budget, so to speak in that budget. So you're ethnographies going down the drain? Because you have to speak in some modules and so on. What if you don't speak that much what's going to happen?
And by speaking in the budget is equal to sitting in the attic if not by not by any short
we have to question our we have to question ourselves.
reason I'm saying is, if we believe in the promises of Allah, let us stop talking and let us stop start acting,
tell children to go to hell, that is where he's supposed to go anyway. So you can tell him to go there.
And you get yourself into the masjid. Because if you believe in the promise of Allah,
start showing that
start showing that please don't fool yourself, please do not fool yourself.
If you are not doing Attica and during that period of the last 10 days,
if you are doing anything else, whatever it is,
it is not equal to the reward that you will get from doing it.
Now you might say, Well, you know what, if I am doing jazz visa,
then I will tell you that the gaps in the question which direction Should I face if I'm praying on the moon, right? So when you get to the moon, we'll talk about it. So don't fool yourself. We're not doing any jazz be Sevilla.
If you are not doing anything, if you're doing some dounia rubbish.
And even if you are not doing some rubbish, that 10 days instead of being unethical, if you're standing in Salah in your house, for the entire 10 days, it is not equal to being in the mercy of the other is as simple as that.
I don't make the rules
go and check.
Go into so in the gap even if you are maraca, you still get
the rewards of a bad and the biggest reward of the last 10 days worth of is
what is it?
guaranteed insha Allah almost guaranteed for the market.
For everybody else, you may get it you may not get it. But for the ones that give guaranteed even if you are sleeping, he is still in
the equivalent of 83 years of continuous worship. And it's not even equal because Allah does a Hiram min alpha. How much what Allah knows.
Alpha 1000 months is the measure given Allah did not say it is equal to 83. Sometimes we make our own translation mistakes. Allah did not say it is equal to one the Allah said it is better than 1000 months. How much better
depends on who you are asking. If Allah subhanaw taala is the one to decide how much better that will decide according to His Majesty and grace.
But even if you just take that 1000 months,
it is not 1000 months. It's not just 83 years of lifespan. It is 83 years of continuous worship.
Without Rhea with his last because measuring the worship, so the reward of what
some lousy third rate Salah like we do know
1000 years of what kind of worship
Worship is acceptable to Allah.
You understand the point I'm making 1000 1000 months at three years of the quality of worship is acceptable to Allah because he said he will give a reward for this reason he will give it What, what, for something which is acceptable to him.
Obviously, he doesn't take a rocket scientist to know that this you we could not have done it even if you wanted to do it. Right? It's physically impossible. This is one among the many Namath of Allah, Allah Allah, which he has given in Ramallah, which are purely and purely from his grace, we could not have asked for it, we couldn't have demanded it, we could not have done it. Even if Allah subhanaw taala gave us a lifespan of 1000 years, he still could not have done at three years of,
you know, your worship in that time.
So one of the many things that are like using some other layers, and that layer together is absolutely guaranteed for the one who's in
But the question is, do you believe in the promise of Allah,
so return on investment,
you really believe that return will come?
As my I ask, I remind myself and you
to do some serious introspection and serious thinking, because the day will come when that block of ice would have melted.
And at that time, the only thing which will count this, how much of that ice Could I sell?
Because out of that block of ice,
which may be weighed 500 kilograms, if I sold one kilogram, then that is all I have.
is blue saying but you know, I had 500 kilograms, no 500 kilograms will turn into water and went down the drain. one kilogram worth of ice is what I sold and that is what I have.
And if that same 500 kilograms, I could sell the whole thing I would have had 500 times that reward.
So I remind myself and you to get real, and to reflect and to introspect in our own lives, and to make changes to ensure that at the end of the day, we are able to go to Allah subhanho wa Taala
and stand in the line for the rewards and for the returns that he promised to give us. Because there is no one who is truer to his promise than Allah subhanho wa Taala because he can do and he will do
both are there sometimes people feel so and so promised, but he did not give. The point is maybe the man did not give not because he stole your money because he is not in his control.
Like it happened another one recently, the market was for real estate market was high. So many people invested. And then the market fell. So now the person who invested with you blame him but that's not a fair blame because a poor man he didn't steal your money.
He also lost money the market fell but you know, whatever it is, but you know, I lost my money. You lost your money, but it's not his word. So sometimes the return may not come not because the man has stolen it but because it was not in his control. But with Allah subhanaw taala everything is in his control, there is no question or something suddenly happening and Allah did not think about it. No, everything is in the control of Allah subhanaw taala and there is no one true to his word that Allah subhanho wa Taala and therefore if Allah has promised Allah can deliver and Allah will deliver.
But Allah did not promise to deliver without investment.
It is return on investment, it is not return without investment. It's our o It is not our wi Please understand, not return without investment, it is return on investment. And therefore if you invest we get it. You ask Allah subhanaw taala to make it easy for us to invest, to make us invest as much as we can, in things that will please him because on that there is a beautiful return was Allah Allah Allah Allah, Allah Karim, Allah Allah He was happy he made the erotica.