Reda Bedeir – Zakat made easy – Fiqh of Zakat #2

Reda Bedeir
AI: Summary © The speakers discuss the importance of Islam in helping Muslims achieve their goals, including collecting money and giving it to people in need. They also discuss various topics, including debt, using money for businesses, and the importance of access to wealth. The speakers emphasize the need to consider various factors when making a decision, including investment, purchasing properties, and maintaining good debt. They also mention the use of profit from harvesting crops and the importance of maintaining good debt. The speakers provide guidance on managing real estate and suggest deducting interest and liabilities before making a profit.
AI: Transcript ©
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Miss mill

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Who are the people who should receive the care and listen carefully?

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Allah subhanho wa Taala inserted tobasco number nine

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and number 16 Can you repeat 960?

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This is not a radio station say mine 60 was 969. So 2016 is the number of the ayah. Allah specified the eight categories who deserve to receive the camp. Who are they? Allah subhanaw taala said in the Masada part, listen carefully, okay, allow us the word Southern cover he means that

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so don't be confused even

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he said

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you know, what's the meaning of Salah it stems from

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meaning shown the truthfulness of your Eman that will allow give you the money. It will always be a trust in your hand a lot of love in your heart because of the money moves from a thrust in your hand to allow your heart will be a big problem to give.

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Is that clear?

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Okay, so Allah said in the Masato Count with me, number one,

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is it clear? I think it's clear. Number one,

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alpha. So what's the appeal? Listen carefully to the definition because you know, we have how many Muslims today 1.7 million, one out of each five walk on Earth as a Muslim. We wish inshallah the quality will be good inshallah. But you know what, amongst the 1.7 billion, there is 1.8 billion Mufti.

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I'm serious.

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Ask the one next to you. What do you think of this brother? is smoking?

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According to me, it's macro.

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Are you a smoker?

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Your smoker Must

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Have some shame. I feel like yeah, you know, those children are gonna say haraam, but they don't know what they're talking about. There is no I in the Quran that says, you know, smoking is holla Yeah, bro. There is no I also the Tesco famous.

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Comedian, okay.

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Okay, let's go back. So alpha,

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who is alpha?

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Who doesn't have something for the day?

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Imagine if somebody doesn't have food for today. That's a puppy.

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Is that clear?

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So this is why the translation said the destitute Elmore Adam doesn't have any.

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So I'm going to move to the miskeen to make comparison between the two.

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Then who is a muskie? miskeen is somebody who has something but it's not enough.

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For example, we said the fakir doesn't have anything, right? But the miskeen I'll give you a real example from our life because there are some people amongst us who are miskeen but they never say it. Because they're very decent.

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If somebody makes 2000

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but his expenses 3500 is a miski.

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He will never talk to you.

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He'll go and take a debt from here and there. But he's a Miskin. He deserves a car.

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So I'm askin is somebody whose expenses

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are more than his income.

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Is that clear? You might say spalla you know this brother Mashallah. is driving a car. And he's come to ask for a second.

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Yeah, because he needs that car like you need a car to drive his kids today. It's a necessity such a luxury, because if they take the bus, it will even be more okay. But then his expenses for the whole month. Okay. is much more than what he makes.

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He might have his, you know, his his salary, according to the contract might be 5000.

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But then what does he

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Get after the taxes

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3000 something? Why? What if his expenses 5000? is a miskeen?

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Is that clear?

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Okay, number three, while I'm in LA,

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those who collect does occur, what does that mean?

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It means

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in a country that is Muslim,

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there are people who are appointed by the government, their work is to go to go and collect Zika.

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Okay, it's not, for example, a number of volunteers and people put the money in a box, and then they collect the money, these are local, I'm in LA, because these brothers could be rich enough. And, you know, they don't deserve soccer. But when they say that I'm in LA, in a Muslim country, when the government employs people, their main job is to collect the money. So they use all the time to do this. This is why we give them is the car from that money, even of those people who volunteer then they will not ask for the car, as long as they are employed to do that job. Is that clear? So this is the third category, one more,

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or two types

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could be non Muslims. And it could be new Muslims.

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Let me say this, again, could be non Muslims, it could be new Muslims, or does that mean, at the time of the Prophet Solomon, there were some people who were non Muslims. And they were very tough. Sometimes they were given some money to stop the evil that they will do to the Muslims. So it was given to them literally obey Him, to establish a loving relationship with them and stop them from doing that. That doesn't exist now.

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Okay. But if somebody is interested in Islam, and they are coming to learn about Islam, and they are in need, then we give them money,

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to help them and to try to make it easy for them to come to the hole or the fold of Islam. Is that clear? Let's talk about a new Muslim, mostly new Muslims when they accept Islam, what happens to them, some of them are kicked out of their homes, some of them are kicked out of their jobs. Sometimes she says that she will start wearing hijab, they'll tell her, you know, you're not welcome anymore in the job. What's our job as Muslims, this is one category of second. We give them money.

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We provide for them what they need. Now, let me go back to the

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how much should we give the faqeer? Should we give him food for the day?

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No, we should have we should give him money enough for the year. Because when people give money, they give money for the year. So we should give money, the money for the year until the poverty stops the Say for example, after a month, it stops working and is making money, then we should stop giving him Is that clear? What about the miskeen? If the miskeen makes 2000? And his expenses are 3000? How much do we give him? 1000. Again, that will make him have enough to go for the year. But if he makes more during the year, we should stop giving him

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Is that clear? Okay, we will take questions and then please. Okay, number five, was a recall whatsoever recall.

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Back in the days people were slaves. So how many times the last night I said

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one of the you know,

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Tafara in Islam, you know, you need to go and free a slave person. So hamdulillah most probably it's not. It's not available today, but at the time of the porcelain. And this is one way for those who say Islam is supportive of slavery. So Palau one category is dedicated to what? To free slaves to sit the slaves free.

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Will Harare mean? allegory means those who are in depth, those who are in debt. So anyone in debt is eligible to say

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Anyone in debt is eligible to say, No, no, no. Why?

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Excellent. Excellent. It might mean a lot to give you one at the end. We want to open that can of worms.

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Now Okay, so

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people who are in debt and cannot pay off their debt Yes, but what type of debt? I'll give you a scenario. Okay?

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Your friend has a car Honda Accord 9900 language a bit condition and it takes him from point A to point B. Okay, then he decides all of a sudden to buy a BMW 2020

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Okay, and he comes to the mercy sir I'm sorry brothers. I'm in debt

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$150,000 debt please help your Muslim brother

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and Allah says in the Quran while Hajime Mashallah he knows he's gonna sell your 960

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Can we give the brother can we pay off his debt?

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We say go back to your Honda 99 brother, okay, and get rid of that debt inshallah. But we're talking about someone who needs something and assisity it's uneven his life. And he was forced to be in that debt. That's the word that we give him. Okay.

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Sometimes it's a big money too. Yeah. Let's say for like, let's say from so for example, a brother. He doesn't have

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like he moved here from Syria or whatever place in something, okay, and they don't have a place to stay. And they don't have money to eat. They don't have a car to take the children. So would you give him $200 I

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take this inshallah Allah will put product under 200 inshallah, just put put them under the pillow and make the Salah in the morning. We're going to be 200,000 south. No, we should. We should give them enough.

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Is that clear?

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Okay, moving on. Was he Sabina? Sevilla?

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Yeah, we have to stop here for a bit. What is the meaning of feasibility?

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classical scholars, all of them said jihad. That's the meaning of feasibility.

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And they oppose any other interpretation because they said if we open the civilian lab for anything, so why would Allah subhanaw taala talk about all these categories at the beginning, Allah should have left it open. So everything is a billion. That's one opinion. And we have to share all opinions. Okay. So one opinion says free sabirah land it's only for those who are leaving their house and at that time they were going for jihad, okay. Now,

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contemporary scholars said that FISA vilella it means something that will support Islam and Muslims and the Tao of Islam especially when Muslims live in a minority and there is no Ministry of endowment back home. In every Muslim country, we have a ministry for what you know endowments we like what you know, they collect like money some some good people, they they give donations for example, and they say this is what fees are made in law. Okay. So they said that money could be also given

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feasibility, meaning it could be for building a Masjid for building a school for building a hospital for the Muslims where there is no source of income coming to those places because the massages the schools, especially the Islamic ones, their main source of income as well.

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Your pockets

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donations, right? What if you don't give donations

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and if somebody gave what somebody gave lots of money they said you know what, this is my Zika is that clear? So we we we present the two opinions and if you follow one respect the other one

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always in Islam when the scholars say two different opinions, if you follow one respect the other one do not attack the other one. See these people are very loose these people they don't care

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is that clear? So they said it could be spent on

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four national Islam you say like you go, you know, to Africa, for example, dude, our there and we'll take money out of desica we spend it here because we want to spread this lab.

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Is that clear?

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That could be spent on printing Islamic materials to spread Islam. So this is one opinion or I should the first opinion

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items to consider when calculating is occur. Now we'll go into the calculation of soccer then that once we know that all the introduction to who should be, who should pay the conditions, who should receive. Now we should take these items into consideration. Remember when we said access to wealth, so when you start calculating, make sure that you have access to that money. So if there is money that you don't have access to, you cannot add that money in your calculation.

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Oh, sorry.

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Sorry. Thank you.

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I'll give you two candy for the Samsung

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Wabi Sabi

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I'm sorry, I forget that one. What's the meaning of a Mr. Beale some people translate this as a traveler

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let's say Mashallah.

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One of the brothers decided to go to Malaysia,

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you know, to have some some fun.

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And then he needs like $20,000 for that trip inshallah. Can we consider him in Seville is a traveler.

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Even is Sabine doesn't mean traveler, it's the wayfarer is why we translated the wave here, meaning if somebody is traveling, and all of a sudden, he lost his money, he lost contact with his family, he doesn't have access to his money, he could be a millionaire back home. But he doesn't have access to that money. He tried everything possible and he's lost.

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I'll give you a real example. I went to do

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back in the days in 1990 something

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while I was doing

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I had my wallet in my pocket and had lots of cash because we're going to buy gold

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because women love the gold inside because it's very yellow, coming from India, you know? So I'd like about 5000 years at that point. And Mashallah, you look at the the wallet was very tempting, you know, and it was my first experience to do armor. I didn't know I didn't expect that when I'm in the harem something could happen to me. Okay, and I finished the Al Hamdulillah. And we went to you know, there's like a line of shops there of jewelry. And you know, women love to visit all the shops before they buy. If it were you or me, we're gonna go to the fridge shop, buy whatever comes first and go home. It's gonna say what type of taste is this stuck for all right. So they will visit like

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the 40 shops and they wouldn't like anything they say will come tomorrow inshallah to have a look again.

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So anyway, we went there, we visited all the 40 shops and I said we need to decide because the bus is going to leave. It's like okay, so we visited them again, second round, and Alhamdulillah we stopped at one we pick the goal that we want to buy and then I said okay, calculate the money said like 4900 I said, Okay, I'm done.

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Oh my god, there is nothing

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where's the money

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next to the car will lay the money was stolen next to the car.

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So I went back

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and there is lost and found them.

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And they said yeah, go and ask and last and

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so on.

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So I went to the man very cheerfully and said, like, you know, I think I just lost my wallet next to the Kaaba said when I said about 15 minutes ago, he started laughing.

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I said,

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is that laugh for me? like yeah, I said Why? He said, Are you dreaming? Your last 15 minutes are coming to Asquith come after two months in sha Allah you'll find the wallet.

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Maybe if the guy is is really nice, he will leave your IDs there.

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He might leave you as a SATA power or something.

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I was shocked while I and when I walked out.

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It was Ramadan. 27th of Ramadan.

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So we did Dharma 27. And that was the 28th was supposed to live because I was living there at the time.

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Amazingly enough, the bus was supposed to leave

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at three o'clock, and it was almost 240. And by the time we move from there, go to the hotel, we'll be done. So I said to my wife, just to go Stop the bus until I can bring the bag and come.

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By the time she arrived there, the bus said, We're leaving, and we cannot take you without my home. So you stay here and the bus left. So imagine, can the word administer will apply to me?

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Yes, even though I have money. You see the example now? I mean, I was living at the time, and I have money. But even my, there was no credit card by the time by the way, that invention, that invention was not there yet. Okay. You know, what's a credit card? It's a plastic thing, you know,

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by which people buy things that they don't

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to impress people that they don't know, by money that they don't have

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the security car, right.

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Anyway, so

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what happened is, we went out.

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And I said, let's go back to the car. And my, my wife said, Let's go to the bus. Let's take another bus because we need to go home. I said, I need to go to the car.

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And well, I went to the car, and I paid to the car. And I cried. I've never ever in my life. extended my hand to people I've never even imagined I'm going to tell people give me money because I'm a traveler. I don't have money, I could have imagined that.

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And in my sigil I said, Yeah, Allah, I am your guest in your house.

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And you know, my intention will lie. I was coming just to visit your house, so that you will be pleased with me. I've never been through this in my life. I don't know how to extend my hand to people. But you can hear me Will Lahiya allow, you can hear me and you can see me now. I am extending my hand to you because I will never extend it to people.

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And I had the peace of soul. I said this and I cried. I walked out of emotional harm. And we went to the public transportation for us to go there. My wife was pregnant.

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So parallel, the taxi should take three hours.

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But that's the season.

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I found like you know, you know, three hours here, 50 yards here, 100 dl here. But it's not even enough to take us back home.

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So I tried to stop the taxi and he's like 20 years.

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And I said,

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I don't have enough money to give him 20 years. I said, isn't it two years. I said row row. And he left me there another man in a private car. He said Nigerians I said, just like a lot him like a lot.

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Anyway, I made a deal with a taxi for 10 reals.

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We went into the taxi and they started throwing dates, because the time for a thought was very close.

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And water.

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And my wife started crying. She's like, we're going to eat from sebata.

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And then we arrived at the public transportation, I got all the money that I have was 160. And one ticket is 150. And my wife cannot travel without me as a Maha because they're going to stop at the checkpoint.

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So I said to the man, what guarantee Can I give you

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and you give us just two tickets. The moment I arrive in Riyadh, I'll give you double the money. He said, Sir, I work here. I can do that. I suggest

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and we'll law he will law one law when I lift the machine, something in my heart is telling me that I cry to Allah. And Allah saw me when I was doing search within the camera.

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I found somebody

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paring my shoulder.

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I turn around, he said,

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Are you talking to Robert here?

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I will come I said, Yes.

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He said, Don't you know me? I said no.

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He said I am the owner of the company that you came with. And your boss was supposed to leave at three o'clock. I said yes. Something happened and we missed the bus.

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He said no, we can treat you like that. You paid 500 reals for the bus. Here's your money back.

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And he put the money in my pocket and he just walked away.

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And I just made suit in my spot

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in my spot.

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Well lucky that moment.

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It was a historic moment in my life. This is when you feel that Allah subhanaw taala listens to you.

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A lot can feel your pain when you go to him with your heart.

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And, and, and my wife couldn't hold her tears. And we traveled all the way. And then one of my friends when he came to the ombre, he brought me the wallet Alhamdulillah but was clean.

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So this is Ebony Sabine. The man could be a millionaire in his own country or a saw his own city. But a wayfarer means somebody was cut off access to money, his own cash, and he doesn't know what to do. So should we give him the car? Yes, the question is how much

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enough to take him back home. If he needs for example, to stay in a hotel for $300. And then a ticket from here to Vancouver, for example, that will cost $600 some money for the food. So we make a calculation if it's like $900 iF 1000.

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That's a big deal. Is it clear now? Okay.

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So items to consider access to the wealth, we should have access to the wealth. If you don't have access to the money, do not include that money in your calculation for the car.

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Is that clear? And we're gonna give the example again, intentions behind investment or asset. This is going to come but let me give you an introduction. Let's say you have

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Okay, extra. Now let's give a realistic one. How much is the house here?

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300. Okay, let's go with this, you have 300 you have $300,000 extra.

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And you know, if you wait till the time of the car comes,

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the sucker will keep eating that money if you keep it. Right. So you decided to invest that money and buy a piece of land.

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Now, there are two intentions. Listen carefully to this because this is very important. You have two intentions, this is what I'm going to ask you. What's your intention? When you made that investment? Did you buy that piece of land with the intention to sell it? The very first moment somebody will come? And you can make profit out of it? Or are you going to invest and forget about it, maybe in five years, 10 years allow? You might need it at that point, you're going to sell it?

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Let me let me repeat the scenarios again. Scenario number one, you invest in the money just to make business to make profits. So for example, if you buy today, somebody tomorrow comes and say, I'll give you 300,050. So how much profit did you make 50 you sell it. So this is all

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in this case, you are going to give

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zakah on the asset and the profit, the whole of the 360 is that clear. But if you invest the 300 in a piece of land with the intention, you can leave it

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alone and it could be two years, three years, five years, whenever you need it. You're not doing like, you know, you're not just like doing it like as a business.

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But at some point when you need it, you're gonna sell it. There is no Zika for this one. until the time comes and you sell it you give us a call one time 2.5% the whole thing.

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Is that clear? Let me repeat it for the third time. I have $300,000 extra

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and I want to invest that investment could be one of two types. you're investing with the intention to sell it again and again and make profit all the time.

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Is that clear? That money when the hole comes and you calculate the nisab you add that money because the intention is you're gonna sell it and make profits and make profit. You pay 2.5% of everything, the assets, the money and the profit you make. So the assets were 300 you made profit seven

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70 5100 more, you give 2.5% of all of it. But if you put the money in that piece of land and you forget about it, with the intentions just to invest the money, not to leave it to the soccer to eat it out, you're not taking a lot, you're investing your money. Because when the time comes, and you need it and you sell it, you will give up on the whole thing. But one time when you sell it, this is gonna come again, but I'm just giving an introduction. It's gonna come again, okay, ability to pay. For example, I might,

00:30:37 --> 00:30:54

you know, have money, but my money is not with me. This brothers took 10,000 as a debt. And this product, you know, took another, you know, debt, like alone for like, you know, three years, I don't have the money.

00:30:55 --> 00:31:07

Instead of saying, we're going to talk about this type of debt. Basically when I said fatwa versus taqwa it means you can give me information to fool me and I'll give you a photo based on that. So you have to have

00:31:08 --> 00:31:10

and I will give you the fatwa.

00:31:11 --> 00:31:32

Okay? You don't give me the fatwa. And I'm not gonna teach you tougher because you know what, tough boys. Okay, how to pay on that date. Step number one, we calculate the *. We made that easy before, right? We said we agreed hypothetically, that all of us will pay on which day?

00:31:33 --> 00:31:34

First day.

00:31:35 --> 00:32:12

So if you have pagers, like our first day of Ramadan last year, you're gonna figure it out on the first day of Ramadan. So on that day, you check everything, check the bank balance, okay? Check the goals that you have at home, check you know, if you have give some money alone, and that loan is coming, you know, it's coming. If you have a business, check the inventory, even if things are outside, you know, people took something from you under your all your money and that money is coming. Check that to calculate that. We're gonna go into this in detail in sha Allah. These are the types of wealth to consider cash

00:32:14 --> 00:32:15

or cash equivalent

00:32:17 --> 00:32:33

jewelry, when I say cash equivalent, I mean what? You have a check, and that amount in cash at a time. Don't say no, the cash is only the bank. I'm just gonna keep those chicks hide them somewhere until third of Ramadan inshallah I'm going to get them out and put them in the balances.

00:32:34 --> 00:33:05

Okay, jewelry, all types of jewelry? No. Only gold and silver. And some some sisters are gonna fight with Amina, what about diamond will lay there's no second time. What if I change all my money into diamond, we'll lay our free, nobody's gonna, nobody's gonna force you to do that or not. That's what a lot of us that's what the porcelain taught us. If it is gold, or silver, or anything else, there is no data.

00:33:06 --> 00:33:12

This is why there is a trend. Now, when you go to get married, your wife is gonna say buy me time.

00:33:13 --> 00:33:20

Okay, because she knows that paying cash for the gold is inherently stalling you because you're not going to be punished twice.

00:33:22 --> 00:33:23


00:33:24 --> 00:33:26

you buy the goal, and you give this

00:33:27 --> 00:33:29

stuff for a lot. Now the

00:33:32 --> 00:33:32

poor brothers

00:33:34 --> 00:34:10

stocks and shares to a gives the calendar. Yes, but there are conditions we're going to talk about them when the time comes. There are conditions. Okay. The RRSP and RSP. Should we give the account that yes, and there are conditions we can explain? When should we pay and when we have to delay, business wealth inventory, pay from business versus personally ownership percentages, debit accounts receivable, harvest livestock, even haraam. Some people deal with rubber.

00:34:12 --> 00:34:21

Right? And they get money out of that was the hockman that let's go and talk in detail about each one of them in Sharla. So how do we deal with the cash?

00:34:22 --> 00:34:41

Cash means the balance in your bank account the checks that you get and you can cash them at any time. That also means any thing in the form of these two currencies, which is gold or silver, is that clear? That's what we mean by cash.

00:34:43 --> 00:34:59

Okay, so that's the first thing I'm going to put in my item. I'm going to say I have 12 $100 in my bank account, put this as item number one. Okay, I have gold equal to the amount and I'm gonna come to the question, the main question by the sisters, I have jewelry

00:35:00 --> 00:35:06

That my victim, my husband, you know, bought me when we got married.

00:35:07 --> 00:35:33

And he keeps giving me gifts. Mashallah, every month every time we fight, this is why I fight with him five times a day, I mean, five times a month. So every time he comes to solve, he has to buy something. So I have accumulated lots of gold at home. Do I have to give the carbon that we're going to talk about this? It's coming. You know what, let's talk about it now to make the sisters happy. Okay. Not much happy. Okay.

00:35:35 --> 00:35:42

Basically, there are two opinions, two opinions about the goal that the sister had. Okay.

00:35:43 --> 00:35:52

The first opinion they said, is that gold used or hoarded? How do you stand among Wallabies?

00:35:54 --> 00:35:57

Okay, meaning Do you wear it?

00:35:58 --> 00:36:05

To the eyes of your sisters when there is a wedding? And just go and do like this all the time? Okay.

00:36:06 --> 00:36:12

That's number one. Do you use it? to beautify yourself in front of your

00:36:14 --> 00:36:21

What do we call him? A victim before? Aspen? Okay, your husband? do you do that? Okay.

00:36:24 --> 00:36:38

So is it used or saved? If it is saved, there is no filler, no difference of opinion, you have to give the cat on that boat. And again, it is 2.5%.

00:36:39 --> 00:36:54

But it should reach the result. Remember what we said? It's in your position, that's number one, it's with you. Or even if you have it in a safe in the bank, you can have access to them. Number two, it reaches the nisab it means it's 85 grams and above.

00:36:55 --> 00:36:56


00:36:57 --> 00:37:16

Or if it's added to the cache, and the other stuff that you have, and both of them will reach them. Then you go 2.5% the other opinion says if you use it, then there is no second. But you know what? I'll go with the third opinion, which is they said men babble a whole lot.

00:37:17 --> 00:37:25

Because there is a weak ad and I'm repeating this, there is a weak body. Okay. And the mother will Hanafi they use this week.

00:37:26 --> 00:37:26


00:37:28 --> 00:38:09

When when, when the pastor Selim saw a woman, and she was wearing to what he calls in here, uncles, whatever, you don't want to call them out. Okay? That's enough to activate. Okay. Okay. And he said, why would a person you know, purposely put to like rounds of fire around their heads, and this will be burned on their hands on the Day of Judgment. So you should give zeca instead of holding that money, that's how we had it. And this is what why they base their fat on this. They said, any goal the woman have, she has to give second.

00:38:10 --> 00:38:19

That's the fifth of the Hanafi madhhab. But Amanda Shafi and others, they said, you know, if she uses it,

00:38:20 --> 00:38:57

then there is no Zika but the scholars at the end said you know what? To be safe, because Allah subhanho wa Taala and sort of Toba. So number nine, and number 23, he said well, leadin acnezine at the hub of alpha, and those who keep the gold and the silver, Allah subhanaw taala on the Day of Judgment, it will be made into boards, and it will be burned, and how it will be used. Allah subhanho wa Taala it will be used to, you know, to burn their backs, and their science and their faces

00:38:58 --> 00:39:28

mechanistically and physical. That's what you hold this for yourself. Because basically it's money or you're holding that money. If you get that money for people to use, and even invest that money yourself, it will be helping in the turn out of the economy and the turnout of the capital people will be working people who will be benefiting from that. So for me, I always say it's safe to give the car for that. But again, I gave you all the opinions and it's up to you to follow which one you like and shovel

00:39:31 --> 00:39:35

so again, how we deal I think I answered this one.

00:39:40 --> 00:39:44

So anything in the form of gold or silver, it's the cuttable

00:39:45 --> 00:40:00

any other precious metals, like you know, rubies like her like like diamo you know and sisters are well versed in the restaurant Shama that's not socketable we don't get

00:40:00 --> 00:40:04

refer them. How do we deal with stocks

00:40:05 --> 00:40:09

and investments? Very simple. I made it very simple. Look at this

00:40:10 --> 00:40:13

day trading short term investment.

00:40:15 --> 00:40:37

As I said, I buy something, I buy a house with the intention to sell the house for the first one out of which our home going to make profit. We call this short term investment. I'm buying something with the intention to sell it again to make money. In this scenario, what happens?

00:40:38 --> 00:40:39

What happens?

00:40:40 --> 00:41:00

Do I do I calculate this? Yeah, I calculate what I calculate the asset and the profit. Let's say for example, I invested 100,000. And when I sold it, I sold it for 105. within one week, so how much do I give 2.5% of the one 105.

00:41:02 --> 00:41:04

Okay, I give you the other scenario,

00:41:05 --> 00:41:45

number two, long term investment. Let's say for example, I'm gonna buy a piece of land for the 100,000. And I will leave it when I need it. It could be after two years, three years, four years, there is no sucker every year for that. So I don't I don't include this in my calculation. But the year I sell that land, I gives the car only one time on everything, the asset, and the profit. For example, if you buy it for, if you buy that piece of land for 100,000, after 10 years, it could be 200,000. How much would I give 2.5% of the 200 not 100 profit, both the asset and the profit.

00:41:49 --> 00:41:50

cashing out?

00:41:51 --> 00:41:53

What do you do when you cash out?

00:41:54 --> 00:41:55

What's the meaning of cashing out?

00:42:01 --> 00:42:20

Yeah, when you have any liquid money in the bank, and then you catch that money, okay, if you haven't checked, and you just cash that money, if you sell that land, and you get the cash out of that money, it's old money, whether it's in the form of assets, or cash, okay, so this is also added.

00:42:24 --> 00:42:25

Everything is come?

00:42:26 --> 00:43:15

How do we deal with retirement plans, or our SP or ESP pension funds? Very simple. We have two scenarios. Some of them, they will keep them until the time for retirement comes, you don't have access until the time comes. So you keep it there. When you take the money. You take what we call the deductions, the taxes, because they take taxes on some money. So the net that you will get out of that you give 2.5%. Okay, but the first thing we said it can be withdrawn, treat, like a cash is treated like a cash. So it's like within my position, anytime I can go and say, you know, I don't want that retirement, I want to take it now. So as long as you have it in your position, you cash it

00:43:15 --> 00:43:23

treated like cash, you added to the money, that's the capital, and you give 2.5% out of that.

00:43:26 --> 00:43:28

How do we deal with real estate?

00:43:29 --> 00:43:32

How do we deal with real estate? I have four scenarios for you.

00:43:33 --> 00:43:41

If the property is your residence, if I have a house that I live in, is that house? No, I'm using it.

00:43:42 --> 00:43:43

So there's no Zika

00:43:44 --> 00:43:50

if I have a house that I live in, but I own another house, and I'm renting that house,

00:43:51 --> 00:43:52

should I give?

00:43:53 --> 00:43:57

The answer is yes. on everything, the answer is no.

00:43:58 --> 00:44:22

The answer is no. What do I do? I take the profit that I make out of the rental and I did not from that the expenses like what like the taxes and other costs, you know, other costs like you know, you repair the house, you do something then the net profit, stay away from the asset, the net profit after deducting what the taxes and

00:44:24 --> 00:44:59

the expenses, the cost of repair or anything, then you take 2.5% and add that to the company. If the property if the property is for sale. Again, it's exactly as we said before, if I'm buying a property to sell, then what do we do? If I make profit I pay for the asset and the profit and this is extra than the place where I'm living anything that I'm living. I'm using for instance, or on Piazza for what about if I have a car? Do I give you the car for the car? No

00:45:00 --> 00:45:17

What if I have a car for everyone in the house? I have four cars? Do I give you the car for the other cars? As long as they are for use nausicaa. But if I have an extra two cars, and they are used now in the new invention called

00:45:18 --> 00:45:19

Give me the word

00:45:21 --> 00:45:22


00:45:23 --> 00:45:32

and I'm making profit out of that. What should I do? Again? Not the assets, the profit, deduct What?

00:45:34 --> 00:45:57

taxes, expenses give 2.5%. So anything that I use nosaka anything I make profit off after deductions, I give 2.5% except when I am doing business with the with the land or the house itself. Okay, if I'm using it to sell and make profits, I pay for the asset and the profit made out of it.

00:46:01 --> 00:46:03

Coming will likely come in or likely come

00:46:06 --> 00:46:09

under Mr. Matsumoto. sobre la, token a

00:46:12 --> 00:46:13

signal service.

00:46:15 --> 00:46:18

Okay. So

00:46:20 --> 00:46:45

as we said before, this is the the first scenario if I invest money in, for example, in a property, and you know, I'm not, I don't have any plans for it, I'm just leaving it, maybe in five years, 10 years, I'm gonna sell it. This knows the car. The year I sell it. I give the car for what? Everything, the asset and the profit,

00:46:47 --> 00:46:49

changing intentions.

00:46:50 --> 00:46:51

What if I have

00:46:52 --> 00:47:10

a house that I bought, and I like I kept for some years, and then I changed my intention, you know what? I'm gonna make business with that piece of land. So what happens? Instead of giving it to one time, I give it every year? As long as I'm using it for profit?

00:47:12 --> 00:47:15

How do you deal with business inventory?

00:47:16 --> 00:47:27

You must pay the guy on inventory if you have a business, but we have to meet the following conditions. You hold inventory more than a calendar, again from the beginning of

00:47:29 --> 00:47:30

Ramadan last year,

00:47:32 --> 00:47:39

the beginning of Ramadan next year, and then you see what's in the inventory of that day. Okay, what price do I use?

00:47:41 --> 00:47:47

Is it the selling price or the purchase for because I purchase for $5 and I sell for $7.

00:47:49 --> 00:47:57

Don't try to outsmart Allah the selling price than the one that you will make profit from? Okay, so you have to use the selling price.

00:47:59 --> 00:48:06

You have assigned inventory for sale. Okay. And it reached the nice and of course.

00:48:11 --> 00:48:13

What about accounts receivable? What do you mean by that?

00:48:15 --> 00:48:28

You when you're doing business, you have to do other businesses, right? So you give them money, they give you money, you give them merchandise, they give you a merchandise, right? If they owe you anything, and you know that it's coming,

00:48:29 --> 00:48:44

you're shirtless coming at this and you're socketable money. Okay, that's one scenario. So this is considered good debt. As usually there is short term limit on payment dates for this account. So you include this in the calculation.

00:48:45 --> 00:48:46


00:48:48 --> 00:49:00

zeca on debt owed to you. What do I do scenarios? There are two types of debts, good debt, and bad debt. Okay.

00:49:01 --> 00:49:20

And sometimes we call it insolvent debt myself, meaning somebody borrowed money from you. He owes you some money, but your surely can collect it. He says, brother, I'll take that loan from you this month, April. I'll give it to you inshallah.

00:49:22 --> 00:49:59

Before the beginning of Ramadan. So the first day of Ramadan, you know that you will collect that money. Okay. Shall I include that in my socketable money? Yes. Is that clear. The other type of debt is called dead, dead or bad. Dead. Okay. Meaning we go to our brother, and he says, I'll give you the money. shala. In April, April comes it says brother, I'm sorry, ally. You know, my business is not doing well and I won't be able. So if you give him a grace period

00:50:01 --> 00:50:26

Like when when would you be able to give me the money shall obey the law. So this is gonna be passed from about, okay? But still so did that you never know he told me he was gonna come in, you know in a lot he's gonna say still the situation is the same. So if it's a bad debt, you you you don't expect to collect that money don't include that money in your socketable money. Okay

00:50:28 --> 00:50:33

Here you go Zika on harvest and livestock

00:50:35 --> 00:50:52

I'm not going to go into detail until unless you have a land and you tell me that it is in shallow gonna come and eat some fruits inshallah, we'll invite everybody here, and we'll give you the details. I'll give you a handout about that inshallah. But the care for the harvest and livestock, you have to pay on the harvest and the livestock.

00:50:53 --> 00:51:32

When it comes to the harvest, if you have a piece of land and you're like growing something, there are certain items that are not the cattle, like, you know, I'm not gonna go into detail because this is irrelevant, but anybody who wants to know inshallah, I'm gonna give him a handout, I have a whole file, I can share with you inshallah, because of the time and we don't want to spend time on things that are irrelevant, because I'm sure people now have millions of questions in their heads inshallah. But there's accountable communities, we have to give zeca Allah subhanaw taala said, to hammer home to haco, yo, Masada on the day of the harvest.

00:51:33 --> 00:52:15

When you do the harvest, you give that Zakah Okay, some lands, just what's the range Should I give? Was the Rachel I give? I'm not going to go into today like what is the cattle what's not, if you need more, inshallah, I'll give you I'll send you the file, but how much do we give, if the land is irrigated naturally by the rain from Allah subhanaw taala you give 10% how much 10% if you use machinery and people to help you give 5% Is that clear, that's I just wanna, I don't want to go into details of this inshallah. So that's the, you know, the the summary of this. So if the land

00:52:17 --> 00:52:30

the plants are growing, because of the rain, you give 10% but if that area doesn't have rain, and you have to use like machinery and, and people and stuff, then you give only 5% What about,

00:52:32 --> 00:52:35

in some cases 7.5, livestock,

00:52:36 --> 00:53:16

camels, cows, goats, and sheep, we pay on a per his basis. And also there are measures for for for the, the wheat and the reason and there's the cuttable crops too. And we like here we pay on a per head basis, personal use of livestock with raw pay on them, like if I have a camera that I'm using, I don't get that if I have cattle and sheep that I'm using like for myself, look, you know, there's no Zakat on that, but the ones that are breeding and growing so that I can make money out of them you know, there are certain numbers for every number

00:53:17 --> 00:53:26

you know, there is a number of them that should be given in the kind Sharla if you have camels, cows, goats and sheep seem inshallah after Russia

00:53:30 --> 00:53:40

So, only you give us a car for those that you are intending to sell inshallah, can we pay this account for the harvest and the livestock in cash?

00:53:41 --> 00:53:47

Yes, you can calculate the value and you can give it you know, in cash.

00:53:49 --> 00:54:00

Two common questions about impermissible earnings streams, you know, some people deal with banks and they deal with rubber. So, they make

00:54:01 --> 00:54:02

what we call haram money

00:54:04 --> 00:54:05

is that money is a catchable?

00:54:08 --> 00:54:08


00:54:09 --> 00:54:15

This is like a consensus agreement amongst the scholars that if it's hard on money in the law, even if

00:54:17 --> 00:54:25

Allah subhanaw taala isn't gonna accept Riba money or haram money from anyone. So sometimes, you know, some people is gonna say,

00:54:26 --> 00:54:29

I made a million out of drugs.

00:54:31 --> 00:54:38

Should I give 2.5 zikalala. Except that, because that's haram money. So if somebody makes some

00:54:39 --> 00:54:59

interest, for example, and they decided to do Toba and they're not going to deal with interest anymore, what should happen to that money that they made as interest I'm not going to say profit because profit is, which is the Hillel word but interest means Riba or fader okay. The scholar said you get rid of that money.

00:55:00 --> 00:55:07

with the intention of Toba, but do not expect to pay in zega or even sada because saleha You know,

00:55:11 --> 00:55:34

when you give sadaqa sadaqa You know, it lies in the hand of Allah before it lies in the hand of the person receiving the silver cup. This is why I show the olana used to perfume, whatever money she's gonna get for the sake of Allah because she said it's gonna fall in the hands of Allah subhanaw taala before it will fold the hand of the person receiving it okay. So,

00:55:37 --> 00:55:47

these are deductions Of course, there are certain things that we should deduct, you know, when we are doing the calculations, okay, for example, expenses

00:55:49 --> 00:55:59

and liabilities before paying Sokka monthly living expenses. You know, debts you owe, if you have a debt you you pay your debt first.

00:56:00 --> 00:56:41

So these are the deductions the monthly living expenses, immediate do the monthly stuff for law mortgage, one payment you're making, you know, you decided to make Toba and I'm gonna do this anymore. So you have to take this out, rental payment, okay, if you're renting, you know, then you pay the rent finds us to park in the parking lot of the masjid and the measure, inshallah is going to strictly follow a policy of $300 if anyone doesn't respect the budget, the way they park, whether they park their shoes, or whether they park their cars,

00:56:42 --> 00:56:50

you might go out you will not find your shoes. You might go out you will not find your curves. Don't ask me how.

00:56:52 --> 00:57:00

Okay, property tax or other tax payments, it falls in the month you're paying the guy you pay that to

00:57:02 --> 00:57:04

transport costs,

00:57:06 --> 00:57:30

medical expenses, groceries and bills, insurance on the home the car medical insurance, any other living expenses you incur for yourself or your family deduct that then your second that is that you all individually or as a business pay your debts.

00:57:31 --> 00:57:44

If the date is due, you must pay your debt first before paying your second a common question that I'm going to start with before that is coming and inshallah we're going to open the floor

00:57:46 --> 00:57:49

did I should did I smell something like food or something?

00:57:50 --> 00:57:53

Oh, they're gonna treat you Mashallah say

00:57:55 --> 00:57:57

Allah is giving us sahana

00:57:58 --> 00:58:06

Sal hamdulillah Allah is reminding me shall give Sokka and you should give soda machine before you leave to pay Alabama

00:58:07 --> 00:58:10

allows hosting You're right. Okay, some people say

00:58:12 --> 00:58:19

if I have a debt, and that debt is scheduled.

00:58:21 --> 00:58:26

So this is my foot, everybody's gonna eat food and I'm gonna eat that stuff. Okay.

00:58:30 --> 00:58:34

So if I have a debt, let's say for example,

00:58:35 --> 00:58:46

a stock for a lot 50,000 or something, okay. And that debt is scheduled. Like for example, every month I pay 1000.

00:58:48 --> 00:58:51

And I have extra money with me.

00:58:52 --> 00:58:56

And that money could reach the song should I pay?

00:58:57 --> 00:59:42

Yes. Can I go for lunch? Yes. Let me repeat this again. I have a debt of 50,000. But less debt is scheduled meaning I pay I can pay it all at once. Otherwise, if you can, of course Mashallah go ahead and do it. But it's scheduled like every month I deducted from my salary $1,000 but the remaining 2000 3000 4000 This is the money that I spent on my family. And then there is like some savings here and there. So by the end of the year on the first of Ramadan, I found that my money reaches the nisab. Do I give the care? Yes, sir. You have to give

00:59:43 --> 00:59:59

and if that money is enough for me to go for Hajj, can I go for Hajj? Yes, your skinny one that does not stop you from giving Zika does not stop you from performing hajj. Is that clear. I'm going to give you a break.

01:00:00 --> 01:00:24

Because I have talked too much, it's your turn to talk but after you make will do between the format, and then take your break, finish the biryani or whatever, you know food that they have both for you here in Sharla and then come back to me but please don't eat too much that you can be able to look at me and see me. You know more than one person and then you can ask me a question Shall we suck? No luck.

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