Tim Humble – Buloogh al-Maram – The Book of Zakah, Lesson 11 – Hadeeth 501

Tim Humble
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The speakers discuss various topics related to the business goods industry, including praying, being strong, being pure, and being a pure act of worship. They also touch on topics like solar activity, warfare, and the actions of Islam. The speakers emphasize the importance of preparing for a trade deal, using trade goods, and keeping everything organized. They also discuss issues related to businesses and taxes, including tax avoidance, tax billing, and regulations surrounding taxes. The speakers emphasize the importance of minimizing spending and avoiding regulations to avoid getting caught for the law.

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			hamdu Lillahi Rabbil alameen
		
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			wa sallam Ali Abdullah he was solely Nabina Muhammad wa ala alihi wa sahbihi edge marine and
		
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			so in sha Allah to Allah we resuming the classes
		
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			on the topic of Hadith from the book Bulu al marohn.
		
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			And this is the first time that we did the book blowhole moron in this message. But these classes
have been continuing on since the time that we were
		
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			in Dubai. I think we've been doing them for around about three years or so. And we started at the
very beginning of the book,
		
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			the very beginning and kitahara, the book of purification and then later on
		
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			We went on to Kitab Sala the book of the prayer, completed it while he led hand. And after the
prayer in the books of comes the zeca. And we had started the book of Zechariah. We had started it
in Dubai, then we moved, I think we started a little bit more of it, we did a wave we started in
Newcastle. And we continued on, even during the time of the COVID restrictions, we were doing it
from home. And at hamdulillah. We have reached up to Hades number 501. Just to recap on the book,
because there's some people who came to the mystery maybe for the first time for this class. The
book that we're taking is a book called Bulu almarhum. And this book is byerley mom and have no
		
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			hijaab Ls colony or human lauter either, and it is a book of Heidi's. But the books of Hadith can be
divided into
		
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			different types. There's ways we can make categories and books of Hadith, there are books of Hadith
that are Muslim,
		
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			meaning that they have changed all the way to the Prophet size. And like Sahih al Bukhari and Sahih
Muslim and sunon Abbey Road, and you read the long chain, and narrow books, which are summarized.
And the reason they don't have all of the chains in them is because you can see the reference in the
book and you can go back to the reference and there you will find the chain. So for example, a Hades
we're going to cover today is reported by Abu Dhabi,
		
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			and have them in hydro hasn't mentioned the whole chain and the narrator's and everything. But if
you wanted to see that you would just go back to Abu Dhabi would open it up, find the Hadeeth. And
then from that, Heidi, you will be able to find the chain and look at the authenticity and so on. So
why did it happen and how to summarize it like that? Because he wanted this book to be easy for you
to study. Easy for you to revise, because this book contains a Heidi so
		
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			the ahaadeeth relate to rulings in Islam. What do we mean by
		
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			what do we mean by that I highly relate to rulings in Islam that are how do you relate to things
that you have to do they are worship upon you.
		
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			And the other ones that are
		
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			prohibited for you to do Haram. The things which it is recommended for you to do most of
		
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			the things which it is disliked for you to do mcru. And perhaps even though it's not
		
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			Matsuda is not deliberately intended, but sometimes you might even find some of the mobile hat, the
things which are permissible for you to do, they're allowed. They're okay for you to do.
		
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			The things that are allowed for you to do. That's what this book covers.
		
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			It covers all of the topics
		
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			that relate to the things you have to do and the things you mustn't do and the things that it's
recommended for you to do and the things it's dislike for you to do.
		
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			So it's going to start with solar. Because solar is the first of the
		
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			actions
		
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			that are required from you after the Shahada teen, after testifying that there is no god worthy of
worship, but Allah, you're required to pray, you're solid, right. And before you pray, you have to
be pure. So it starts with Tara, and then Salah, purification, and then prayer. And then what comes
next in the actions of Islam. The outward actions you have to do the next one is zeca. And that's
where we reach now. And this book, like the other books effect is divided into a bar that bar above
that. So it's divided into things where the intention behind them is
		
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			your worship between you and Allah subhanaw taala that's the it's a pure act of worship.
		
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			And the actions were the original intention is a benefit in the dunya.
		
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			But you do it in the way that Allah commanded you, like marriage and trade and so on. We call these
the Warhammer that your you originally do these more Almanac because originally before Islam, these
were armor that were existed for the sake of something in the dunya like people got married since
the time of Adam at a setup.
		
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			But Allah azza wa jal commanded us to get married in a certain way and so on. And so it falls from
that category it falls into an act of war.
		
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			worship.
		
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			So this book is divided into these two and we still into the section that deals with a bar that acts
of worship. And we're into the topic of Zakah. And we covered many of the types of Zakat already.
But we now came to an important kind of account this kind of the case narrated in a Hadeeth wine
similar to Ebony john doe, or the Allahu taala and this hadith narrated from Samurai when john doe
brought the Allahu
		
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			anhu call, cannot Rasulullah sallallahu alayhi wa sallam yet morona a new courageous other
		
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			men and ladies lady in Urdu lil Bayer. Raja Buddha O'Dwyer is now the hooligan
		
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			similar he said, that the Messenger of Allah sallallahu alayhi wa sallam used to command us
		
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			to take out South Africa.
		
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			And here we said the word sadaqa it means zakka here
		
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			because when you're commanded to give sadaqa what is the sadaqa you're commanded to give? Zakah
right, there is no other sadaqa that you're commanded, you're obliged to give
		
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			can get Moodle now used to command us, you must give this analyzer a gel
		
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			called the casada. In the Quran, in the Masada kartu, Lil fukada, it will Misaki and if that does
occur is only for the poor people and the West are keen till the end of the aisle,
		
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			and ally, so we just had hookman and wily him solder cotton take from their wealth as a car. So the
word saw the car and zeca are used interchangeably. And you understand that it's Zakah by the
context, because if it was voluntary sadaqa it doesn't come under the command of the prophet SAW
Selim. So this is zeca he used to command us to take out the Zakat in those things that we prepared
for sale.
		
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			So the topic that we have today on the topic of Zika is the topic of Aruba.
		
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			Aruba, tiara, I first of all want you to get a solid water and Miss Ella, like they say, to have an
understanding of what all that tiara actually are. So I'm going to use the English word, Rosie
Giada, we're going to call it trade goods, business goods.
		
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			The first thing I'm going to tell you about all that tiara
		
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			is that there is no specific kind of goods that we're talking about. It could be cause it could be
pencils.
		
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			It could be money. And it could be anything else that people buy for the intention of selling.
		
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			And where we want to distinguish here is what's the difference between things that you sell and
trade goods. This is the first issue we're going to deal with. What's the difference between things
that you sell. And between trade goods, there is no Zakah upon things that you sell in general.
		
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			But there's the carpentry goods, what's the difference?
		
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			Things that you sell, you sell things for many reasons. Sometimes I might sell this iPad because
it's an old model. And I want to buy a new model. And I'm kind of sick of it now and I just want to
give it away I want to sell it to somebody I sell it. That's not that doesn't come under trade
goods.
		
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			I might sell my house because I want to move to a new house a bigger house doesn't come under trade
goods. It might come under the car from the point of view of your money, your your your your gold
and silver and your pounds and dollars and Durham's but it doesn't come into trade goods. trade
goods are the things that you buy. And the reason you buy them. The reason you buy them is for the
purpose of trade.
		
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			I didn't buy the house to live in. I bought this house because I want the price to increase and I
want to sell it.
		
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			That's the reason that I bought the house.
		
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			So here we have to distinguish between four different situations for different
		
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			situations that the scholars mentioned, as it relates to distinguishing between these two, between
things that you sell, and trade goods. This is all for the purpose of tussle, walk LMS so you
understand what we're talking about in the Hadeeth we haven't even come to the Heidi we're just
trying to understand what our trade goods
		
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			So the first thing, let's give an example of something that you buy.
		
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			And your intention is not to sell it. That's the first category. So I go to the shop.
		
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			And I buy myself one of these tablets, this iPad here, I buy this iPad, why did I buy the iPad? I
bought it to use it, might I sell it in the future? Maybe,
		
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			maybe I'll sell it when I'm finished. Maybe even my Nia is to sell it once I'm done with it. But I'm
not buying it for the sake of the price to go up or whatever. And for me to make a profit out of it.
I'm not buying it for trade and buying it for using it selling it comes as a secondary goal later
on, maybe I'll sell it if the price is worth it, maybe someone will come and offer me This is only
worth 200. And something pounds, maybe somebody will one day in the masjid. Outside, we come from
the salon, he says brother, I'll give you 500 pounds. Why not.
		
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			But that's not my I didn't buy it for the reason of selling it.
		
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			Let me give you the opposite example. I buy a tablet like this. The reason I'm buying it is I found
it on eBay for a cheap price. They were selling it on eBay for 200. And I know that in the market, I
can get 300 for it. So I purchased it. For what for the purpose of
		
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			selling it. This comes under trade goods, and it doesn't matter what it is. And you guys know, if
you trade on eBay, or you buy things from Amazon, all the different things people sell, there is no
way you can, there is no way you can you can gather the names all together, every different kind of
thing. People make money buying and selling. But when you bought it, your intention was to your
intention was to trade in it, you bought it for the reason of trade.
		
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			Those two were pure examples. Where it gets to a problem are when the examples become mixed. So
someone says, I'm buying a house,
		
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			because it's a good investment.
		
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			And when I'm buying it, I'm gonna live in it until the price goes high.
		
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			You with me? So we bought the house for 150,000 says this house, I'm sure this area is up and coming
inshallah it's gonna go high. So when the price comes to 200, I'm going to sell it but until then
I'm going to live in it.
		
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			What do we think here is a car drew upon it or not? Yes. Because his intention is the trade. The
fact that he's living in it is,
		
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			is secondary. It's not the main reason. It's not the main reason he's just living in it for the
meantime. But his goal his Nia, his aim is to trade is to make money out of it. His aim is just
living in it because well, I'm not going to leave the house empty, I may as well live in it. I may
as well rent it for a couple of years while the price is going up. But the intention behind it was
trade was to make money from it to buy it for the reason of making money. And the smaller intention,
the second intention, or the small intention was
		
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			I'll rent it in the meantime, because why should I leave the house empty is not making me any money
if it's if it's empty, right. So here, the person it becomes Judas upon it.
		
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			It could be the other way around. The main reason as we said could be usage. Someone says I'm buying
a house to live in. And if one day the price goes up, I'll sell it. This is not do Zakat upon it.
Because the primary intention, the main reason is to live in it. That's my house that I live in. And
if one day the price goes high, maybe I'll sell it
		
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			but that's not my reason for purchasing the house. Now there comes a fourth issue. What happens if
your intention is equal? Now someone might say is a bit of a difficult one to imagine, but if you
imagine that it's exactly equal
		
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			I want to sell it I want to use it
		
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			in equal amounts and like I'm gonna my intention is to sell it and to use it.
		
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			I'm buying it to sell and to use
		
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			equally. Here the majority of the scholars they said that Zakat is due upon
		
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			the majority they said as the car is jus upon it when your intention is, is even like that.
		
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			Type come back to the Hadith hadith of Samara, the Messenger of Allah
		
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			slicer used to command us to take out the car from those things that we prepared for sale. So now
we've got an idea of what it means to prepare something for sale. But we have a problem with this
Hadeeth hat is narrated by Abu Dawood where he is nerdy he lean
		
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			it's chain has a weakness in it
		
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			have it been Hydra brought us a week Heidi's?
		
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			Why ever would he bring us a week Heidi's has never had his new mom, a mom in Haiti, one of the
famous imams in Haiti. Why ever would he bring us a week Heidi's here and tell us this week? He
didn't bring it and leave it for us. He said, Well, fee is 90 he lean. It has a weakness in the
chain. The reason he did that Rahim Allah to Allah is remember, he's writing a book of Hadeeth. He's
not writing his own opinion. If it's his own opinion, he could say I believe, or my opinion, or my
madhhab is that there is a car due upon trade goods. He can't do that. Because writing a book of
Hades, you can only bring a hadith. So he brings a Hadith, the meaning of the Hadees is correct.
		
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			But the Hadees itself, as you look at the chain has a weakness in it.
		
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			So we now have to ask ourselves, do we have supporting evidence because we can't base our religion
on it on a weak Hadees. And what did the scholars of Islam say about a tiara?
		
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			So we say that the Gemma hero, the majority of the scholars, including all of the former hip, the
HANA fees, and the shadow fairies, or the HANA fees, and the Maliki's and the chef, fairies and the
hand bellies, all agreed on the obligation of Zakat on trade goods.
		
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			All of them the former type, but we still need evidences. So we know that hanafy is agreed you have
to pay zakat and trade goods. The Maliki's, they said you have to pay the current trade goods. The
share fair is they say you have to pay the country goods. The handbells said you have to pay zakat
on trade goods.
		
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			We say we need the evidence though. What's your evidence? They brought a number of evidences and I'm
just going to mention to you a few. The first is they bought from the Quran in surah baqarah Yeah,
you have Latina M and M tayyiba t Makka saboten. When we met a hirogen, Allah communal are
		
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			all you who believe spend out of the good things that you have earned.
		
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			Spend out of the good things that you have earned elkus means what you earned in your business.
		
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			What you you know, the money you earned
		
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			Mujahid
		
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			when he was making the Tafseer of this ayah the great Turnberry the student of Ibis, when he made
Tafseer of the eye he said next lsvt jaw this ayah was revealed about the xikar jus on trade goods.
		
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			So they gave an ayah from the Quran. The ayah in the Quran doesn't say Zakah on trade goods. But the
Tafseer of the ayah is the ayah was revealed for that reason and the ISS spend out of the good
things that you have earned
		
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			and what we brought from you from the earth.
		
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			The second evidence they put forward is this hadith the Hadees in Sona Abbey doubt but we set the
correct opinion about this Heidi's is the Heidi's his wife. Did everyone agree the Hadees is life
No, Abdullah said the Hadith is hasn't it's a fair Hadith but the correct opinion is the opinion
that hadn't been Hydra brought and he said this hadith is weak, but they brought in
		
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			as a supporting evidence.
		
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			They also brought
		
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			what is narrated by a doctor Pulteney and Al Hakim from Ibiza. That he said Samir, todo sobre la
size la mia cool. And he mentioned in the Hadeeth.
		
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			He mentioned in this hadith
		
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			where Phil bezzie South Africa or South Dakota who
		
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			and El bezu. Here,
		
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			as it was said by Dr. Courtney and I will be happy
		
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			that it refers that here It refers to the tea jar. It refers to the four herbal Hadeeth he said this
hadith includes an evidence for the Zakat upon ruled at ijarah because the best which is mentioned
here is from the kinds of clothing and we know there is no sokar jus upon
		
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			Upon clothing right
		
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			material that the tailor keeps in the shop, there is no sucker drew upon it apart from the fact that
it is trade goods right. So, trade goods include materials and finished goods,
		
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			trade goods include materials. So, the tailor who keeps the material, the builder who keeps bricks,
the unit and so on and so forth. The the
		
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			materials you keep
		
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			an or maybe the person who is making soap keeps oil, the oil that they keep to make the soap with
		
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			all of these come under unfinished product, all of them come under trade goods, it doesn't matter
whether you bought something as a finished product or you bought the raw materials for the reason of
making the finished product. All of those come under come under trade goods from the evidences that
they
		
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			brought forward
		
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			is the statement of Mr.
		
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			rhodiola. And
		
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			that he said regarding some of the trade goods, someone who used to sell particular kind of product,
he said how we moved from orange soda kata, he said calculate its value, and then bring out the
Zakah of it.
		
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			And they brought a hadith narrated from or they brought a statement from Eben Erma graviola who and
human laser film Rudy zakka, twin, a llama carnality jar.
		
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			There is no as a car due upon product except what is prepared for trade. So they had aneesa, just a
few handful. But this is something that the former da have agreed upon, that there is a car due upon
trade goods. And we said when it comes to trade goods, it doesn't matter whether we're talking about
raw materials, or half finished, or finished, it doesn't even matter about the money that is used
for investing in those goods. So even a business that brings in investment,
		
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			a business that brings investment in order to purchase materials with it.
		
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			This also comes under the same ruling of trade goods. So our business raises 100,000 pounds, to
purchase the materials or to purchase the goods to sell them. That money that they bring in. That is
also included in their trade goods. And the profit that they make when they sell them is also
included
		
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			within that. So here what the scholars say is this, they say that it is actually this is like a
division of Zakat upon golden silver.
		
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			It's the same kind of principle as Zakat upon golden silver. So first of all, what are the
conditions of Zika? Generally, we've been talking about since we started the class we've been
seeing, and you Hola, la how there has to be an Islamic year passes by.
		
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			When does the Islamic year start? For Business goods? does it start when you buy the goods? does it
start when you make the goods? does it start? When you bring them to the warehouse? When does it
start? It starts as soon as you gain the money that is going to be used to purchase those goods.
		
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			As soon as that money comes into the business. Remember, in Islam, we didn't really have a
distinction between the business and the person at the end of the day, the person and now we have
limited companies, right? It doesn't really matter. The same idea applies when the money comes into
the possession of the business or the sole trader or the person for the purpose of
		
00:34:45 --> 00:34:47
			tiara for the purpose of
		
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			selling those things. The purpose of buying those things and selling those things. So how could it
come in, to come in through investment somebody
		
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			put money in the owner put money in or someone else put money in the Touka, halaal loan, someone put
money into the business, when that money comes in? That's it. What's that money for that money is
there for growing the business? Okay, now we started, the person purchases something with it brings
it in, the clock is ticking.
		
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			They sell it, still the clock is ticking because that money is still
		
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			is still part of the same process, right? The clock is ticking, whether they sell it or whether they
don't sell it.
		
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			The year goes by
		
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			at the end of the year, Islamic year goes by 12 Islamic months, then what do you do? The business
owner takes a look at that account and says, Okay, this money came in, we bought this with it. Maybe
we sold some of it, maybe we didn't sell some of it.
		
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			And they calculate this a cat upon it. And there's a cat is the same as there's a cat upon golden
silver, it is 2.5% 2.5% Robert allergol, a quarter of a 10th meaning 10%, a quarter of 10% 2.5%.
		
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			What about
		
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			if those goods are still in the warehouse or in the shop shelf, in the shelf in the shop?
		
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			What can you do he has to take an inventory of the value, which value the value he bought it at or
the value he wants to sell it at or the value they are today.
		
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			The value they are if he sold them in the market normally, at that time.
		
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			Not the like, was the word
		
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			the closing down sale price, you know just like get rid of it like you know, I'm just going to sell
it for one pound and just get rid of it. But the normal price in the market, the price that it's
currently selling out today, the value if you sold it today normally doesn't matter if it's a little
bit discounted, he can do the discount value, but not like you know the closing down sale price. But
then, you know, like the earlier my they say when hiring if you're in catio without like the,
without the serial motel, the one who is desperate and he just you know quickly sells it.
		
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			But the general price calculates at that price. But what about if he doesn't have enough cash to pay
two and a half percent? He can pay it from the goods itself. If he doesn't have enough cash to pay,
he can actually take the goods himself and give the goods until it reaches two and a half percent of
the value. What about if there's a mix of cash and, and products? he counts them all together?
Because they're all part of the same process, right? The money came in to buy those things.
		
00:38:07 --> 00:38:35
			You bought them? You made things with them. You sold them, it's all part of the same, the same
process. It's all part of the same process. So there's a cut is all counted for it together. But
there remains one thing. And that is what the nisab what is the threshold? Because we know that
zakka is not juwan. You know, if I just bought let's say if I bought like
		
00:38:37 --> 00:38:39
			I bought five of these books to sell.
		
00:38:41 --> 00:38:43
			I bought five of these Bulova muram books to sell
		
00:38:44 --> 00:38:45
			is there's a card you
		
00:38:47 --> 00:38:59
			didn't reach the threshold. It's not expensive enough. So what is expensive enough? expensive enough
is the new slab of as well football, it's either gold or silver.
		
00:39:00 --> 00:39:20
			Gold is 85 grams of gold. Silver is 595 whichever is lower. That's the one you use. So right now
what do you think 85 grams of gold is worth? Definitely a few 1000 couple 1000 pounds? I'm not sure
I didn't check the gold price today. But I'm sure that 85 grams of gold is worth.
		
00:39:21 --> 00:39:25
			Yeah, maybe? Yeah, a few 1000 pounds, a few 1000 pounds.
		
00:39:27 --> 00:39:59
			And 595 grams of silver, maybe few 100, maybe 300 pounds 350. whichever is lower. Why do we go with
the lower one? Why don't we go with the higher one because the lower one is more beneficial for the
poor. For the poor people, it's more based better for the poor people. So we look at which one is
lower because the purpose the maksud of the zecca. The purpose of the soccer is to relieve poverty.
So if we tell people don't worry, you don't have to give us a car until your shop goods
		
00:40:00 --> 00:40:04
			Worth 4000 pounds, is going to say, okay, there's less.
		
00:40:05 --> 00:40:09
			But if you say as soon as you have even 300 pounds of goods,
		
00:40:12 --> 00:40:29
			as soon as you even have 300 pounds, you have to give it is better for the poor people. So whichever
one is lower, because in history, then the number goes up and down. Sometimes gold value is high,
sometimes gold is low, sometimes silver maybe is high, sometimes silver is low. Right now silver is
low, and gold is high. So we use silver,
		
00:40:31 --> 00:40:31
			use silver.
		
00:40:33 --> 00:41:13
			So, is it the case that the businessman gives this car once a year? Or is it more than once a year.
In reality, each amount of money is separate. And each set of goods that they bought is, if it came
from a different amount of money is separate. But a lot of people struggle to keep it all separate,
they find it a little bit difficult to keep everything separate. So they lump it all together. They
put it all together, he says, Look, I just want to do once a year, one time a year, I just want to
look, what's my cash in the business account? How many goods are in my shop? What's the value of the
things I'm going to sell?
		
00:41:15 --> 00:41:19
			That's all I wanted is he allowed to do that he's allowed to do that with one condition
		
00:41:21 --> 00:41:27
			that he has to do it at the earliest time that the car becomes due.
		
00:41:28 --> 00:41:34
			So let's say he has, he got let's just give an example. He got 20,000 pound
		
00:41:35 --> 00:41:47
			investment. And he went and bought some things. So the clock started ticking right. Later on a
separate thing. He got 10,000 pounds of his own money, he put it into buy something different.
		
00:41:50 --> 00:42:29
			The third time, he got some more money from something else and he put some more money to buy
something different. So he needs to calculate this occur at the earliest, one of the three if he
wants to bring them all together. If he wants to keep them separate, he can keep them separate. That
one when a year finishes that one one a year finishes that one when a year finishes. But if he wants
to bring them all together, he needs to make sure he brings them together at the earliest time. Not
at the latest time. Because in that case, he's late on the first zakka but he's on time for the
second one or the third one No, he has to make the first one on time and the second one early and
		
00:42:29 --> 00:42:30
			the third one early.
		
00:42:31 --> 00:43:17
			But if he makes it early, isn't it possible he might make a mistake? He might calculate is a car too
high too low. It's okay. As long as if he realizes later he made a mistake. He just compete more.
What if you paid too much then it's extra sadhaka for him. It's the same with your personal wealth.
For example, if you earn a salary every month this is not on the topic of our old a tiara if you
earn a salary every month when is your car do you as a car do is do a year from the month that you
receive that salary. So you receive that salary on the first of Ramadan. There's a car is due on the
first of Ramadan for that month.
		
00:43:19 --> 00:43:50
			You got a car on the first off show Well, the son is a car is due a year after the first of show
well. You got a car on the first optical character is due on the first of the character. Some people
say well life is difficult for me the salary every month I'm calculating zeca I just want to paint
one goal. No problem pain one goal but what's the condition up at the earliest time so you started
your job in Ramadan. The earliest time is
		
00:43:52 --> 00:44:37
			is Ramadan is the next Ramadan, you have to pay at that time or before that time. That time will be
full. And you can pay for the you can pay for it's okay you can pay. You can pay early, it's no
problem. Because a lot of times in business and things is difficult every month or every week. Maybe
some businessmen they are bringing in money every day bringing in money for and spending bringing
spending bringing spent and it's very hard for them to be calculated as a car every single
transaction they're making. So instead, what helps is just do it once a year, twice a year, once a
quarter, wherever is easy for the person but make sure that nothing is late you never go longer than
		
00:44:37 --> 00:44:44
			it's never longer than a year. So for example, if you open a business, when is your first
		
00:44:45 --> 00:44:56
			zakka do 12 Islamic months from the day that you started trading that could be you brought your
investment in some money was put into your business you put some money in
		
00:44:57 --> 00:44:59
			when you put that money in
		
00:45:00 --> 00:45:44
			Then a year Islamic year from then you start you do your account story about Companies House, don't
worry about tax HMRC that's different Islamic zakat. 12 Islamic once they give you, like 12 months
plus, for something like that, no islamically, you have 12 Islamic months, from the time you brought
that money into your business, you have your 12 Islamic months, what about if your sole trader, you
don't have a business, but you just by yourself, you buying and selling, the first time you took you
put that money aside for the intention of business. Like maybe maybe we earn a salary, but maybe I
want to do some business on the side. The first time I took that money, I said this 1000 pound, I'm
		
00:45:44 --> 00:45:56
			gonna buy things with it has the timer started 12 months from then I do my first Islamic accounts, I
look at the money I have, I look at the profit I made, I look at the
		
00:45:58 --> 00:46:49
			I look at the goods that I have the stock I have. And I calculate the value, I look at the value of
595 grams of silver, maybe 300 pounds, whatever, make sure if it's over 300 pounds, what I have a
ticket and I give the Zakah there are lots and lots of other issues, we need to cover in our old a
tea jar, because it's quite a big topic. But where sometimes it's important is just to give an
example, sometimes when the value is very high of what you're buying, and you intend to keep it a
long time, the car can actually eat away a lot from the value, usually the car doesn't affect you,
right, because it's a very small amount of money. And you don't really notice it, you made 100,000
		
00:46:50 --> 00:46:51
			give two and a half percent is
		
00:46:53 --> 00:46:55
			very small. And it's not even you don't even
		
00:46:56 --> 00:46:57
			think about it.
		
00:46:59 --> 00:47:01
			You know, 100,000 2500 very small amounts of money.
		
00:47:03 --> 00:47:10
			But sometimes the problem comes when you buy something for sale of very high value.
		
00:47:12 --> 00:47:15
			And you don't sell it for a very long time.
		
00:47:17 --> 00:47:21
			High Value don't sell it for a long time. Like what, like a house.
		
00:47:22 --> 00:47:27
			I'm going to start real estate buying and selling houses. So a person
		
00:47:28 --> 00:47:35
			buys a house, maybe they're gonna wait five years, maybe they're gonna wait 10 years before they
sell the house.
		
00:47:37 --> 00:47:43
			Every Islamic year that goes by, they pay in two and a half percent of the value of the house.
		
00:47:44 --> 00:47:48
			Let's imagine the house is 200,000 pounds
		
00:47:49 --> 00:47:54
			worth the house recently bought the house, it's going to go up, I'm going to sell it.
		
00:47:55 --> 00:47:58
			It's going to go up and I'm gonna, I'm going to sell it.
		
00:47:59 --> 00:48:23
			But it's going to take time to go up. Maybe it's going to take five years, every Islamic year that
goes by spend two and a half percent. So 10% is 20,000. A quarter of that is 5000 every year 5000
paid Zakah next year 5000. Next year 5000. Before he sold it, he already paid 25,000 pounds
		
00:48:24 --> 00:48:39
			in the five years. What's the solution to this? The solution is don't leave it empty. To go up in
value, rent it out. Or use it for some benefits or that it doesn't just
		
00:48:40 --> 00:49:02
			decrease while you're waiting to sell it. Of course if you didn't buy it to sell, there's no problem
you don't pay zakat anyway, if you bought it to live in you don't pay soccer, even if you might sell
it later on. But you bought it to sell your second house you're not living they bought I bought this
to sell it waiting for the price to go up. But then the market crashes because of something COVID
happens. market went down.
		
00:49:04 --> 00:49:10
			Now I'm stuck 10 years I'm waiting to sell this apartment, I can't do anything with it. Every year,
		
00:49:11 --> 00:49:22
			there's a chi is going going going going for it. So in this case, you should try to use it for
something in order to in order so that you don't
		
00:49:23 --> 00:49:44
			get caught out in that situation. Which is the one of the very rare situations where sometimes you
can get caught out so you rent it out or do something with it so that you can benefit from it as
well. And the money you get from that you can use to support you while you're waiting for the price
to you're waiting for the price to go up.
		
00:49:52 --> 00:50:00
			Someone asked a very good question. They asked what about if you bought a house to live in or for
you?
		
00:50:00 --> 00:50:07
			Your children to give it to your children like for your children to live in, and you're renting it
out, is a kaiju upon it.
		
00:50:11 --> 00:50:15
			You bought it to live in for your children or to give to your children is the car journey?
		
00:50:16 --> 00:50:31
			No, not in this point. You're right, the car is due in the sense of your own profit from the rent or
whatever. That's different. But I'm talking about is it trade goods? No, it's not trade goods,
because you didn't buy it for the sake of
		
00:50:32 --> 00:50:37
			trading it, you bought it to give for your children to live in. But
		
00:50:38 --> 00:50:50
			what it's doing is, obviously, you're going to make a profit on the rent. And the profit you make on
the rent is your own money, you spend some of it and whatever is left up as a car like, like normal,
right? Does that make sense?
		
00:50:59 --> 00:51:29
			Yes, if you rent the house, the rent is just like any other income, like salary, like anything you
have you pay your expenses, you pay your bills, you pay whatever, and whatever is left. If a year
goes by, and you have that money, you pay as a car like normal, but it's not considered trade goods,
right? It's not, it's not something that you bought it with the intention of selling it. Sometimes
there might be some situations where you have to ask some of
		
00:51:30 --> 00:51:33
			like, maybe you bought it for your children to sell it.
		
00:51:34 --> 00:52:17
			You bought it because your children want to sell it. So here any like you maybe have to ask some
conditions. But generally speaking, if you bought it to live in and for your children to live it,
then it's not trade goods. Zakah comes from the rent like anything else, you get your income, you
pay your family bills, you pay your needs, everything, whatever is left, although if you kept it for
one year, then the case is important. All sorts of note about the issue that we call a man almost
affect money that comes to you during the year, a lot of times in business, the same transaction or
the same money keeps bringing you money during the year.
		
00:52:20 --> 00:53:07
			For example, it could be like an investment of some kind, and it keeps bringing you money during the
year. If that came from we already mentioned this in the in the lectures, if it came from the
original money, it's not a new transaction, it's not something new is coming from the old one, then
it's considered part of the old one and you give this account all together. You put it all together.
But if it's a new transaction, then no it's not part. It has its own counter its own timer, its own
year. It's your is it by itself. But sometimes you have money that is part of the you know, the
original one, like example someone is selling, he doesn't sell all of his goods in one go, right? He
		
00:53:07 --> 00:53:29
			sells one day he sells 20% one day he sells another 20% one day he sells another 10%. Five months
later, he sells another 10% he doesn't in one day, he doesn't sell the whole thing. So all of these
are counted on the same time. They're not counted separately, because they all came from the same
source.
		
00:53:30 --> 00:53:55
			They all came from the same source. But salary is not like that. Because each salary is separate.
Each salary you receive every month is completely separate from from the other one. It's not like
when you put an investment and you keep getting profit like a dividend from it every you know, every
three months you get a dividend from it. That's one amount of money and it's bringing you profit
every three months.
		
00:53:57 --> 00:54:00
			Let's have a look at some of the questions that we had online.
		
00:54:03 --> 00:54:05
			At what age do we have to give
		
00:54:07 --> 00:54:16
			Zakat is a very good question. Zakah is a REIT which is related to wealth. It's not related to age.
		
00:54:18 --> 00:54:41
			They say Zakah is happily man or it is Mina Coco Mallya is from the rulings that relate to and the
rights of the money itself. So it doesn't matter if that money belongs to a very small child. It
doesn't matter if that money belongs to someone who is Majnoon insane.
		
00:54:43 --> 00:54:45
			It doesn't matter if that money.
		
00:54:46 --> 00:54:59
			It doesn't matter who it belongs to, and what age they are. But the only difference is who actually
gives it. So if it's a child, does the baby calculate desica know the way
		
00:55:00 --> 00:55:31
			their, their, their guardian, their parent, the one who's looking after them, they calculate,
there's a car, the child is not sinful if they don't pay there's a car because the child doesn't
know. But there's a car is to be paid. There's no age, it's not like salaat, where you start praying
at seven, you start giving Zakat seven and then you give us a card 10. And then you have to give it
at 15. Not Zakah is a right of the wealth itself. So even if the wealth belonged to someone who is
insane, their guardian, or their,
		
00:55:33 --> 00:55:43
			their guardian or their helper, the one who's looking after them, they will take the money, and they
will pay the car on their behalf.
		
00:55:48 --> 00:56:02
			Okay, savings, someone asking about savings. What about savings, and sometimes people saving money
for their kids until they grow up. So this doesn't come in to trade goods, obviously, because it's
not money that you're
		
00:56:03 --> 00:56:20
			keeping for bit for trade for business. It comes under regulars account on money. So regulars
account on money is very simple. Like all the cards are generally speaking most of the card, we have
a minimum amount threshold.
		
00:56:21 --> 00:56:30
			And we have a year and we have a percentage. Okay, so what's the minimum amount? As we said it's 595
grams of silver.
		
00:56:34 --> 00:56:44
			And this question was related Also, do we use silver or gold, you use the threshold, which is the
least the smallest one so he at the moment today, silver.
		
00:56:45 --> 00:56:50
			So 595 grams of silver, let's just say example, let's just say 300 pounds.
		
00:56:52 --> 00:57:04
			As soon as you're saving for your child, which is 300 pound, start the timer, or save the date in
your calendar for one Islamic year from that day.
		
00:57:07 --> 00:57:25
			Put it in your diary, one, let's just say first of Ramadan, you reach 300 pounds for your child, you
will put in 50 pounds every month for your child 50. Next month 50. Next month 50. Next month 51st
of Ramadan, a reach
		
00:57:26 --> 00:57:35
			300 pounds, I'm given 300 is example actually it's the 595 grams of silver, it could be 295 could be
350. Depends on silver,
		
00:57:36 --> 00:57:48
			it went over, okay, now you write the date first of Ramadan. Every time the first of Ramadan comes
up, it has a count on that money.
		
00:57:49 --> 00:58:17
			So you put in 50 pound a month, right? So after a year, you have 500 600 right? You have 600 pound.
So you pay this, pay two and a half percent. So 60 becomes 15 pounds right? On 600 pound becomes 15
pounds, you pay your 15 pounds, now it became 585 pounds. Again, you put 50 pounds. Now the next
year comes and it's
		
00:58:19 --> 00:59:05
			11 185 pounds you have. So you pay on that 11 185 you pay a quarter of 10% 2.5%. Then again, you
keep saving and then again and so on every year. When do you stop the timer and start again? If the
money dips below the 300 pound the money goes below. Maybe you had to spend it because you put it
for your kids but maybe sometimes you had a you lost your job you had to spend it Okay, it's gone
down. Okay, cancel the timer start again. Now it's gone over again. Okay, it's gone over 300 pounds,
right, let's start the timer again, start the timer, every Islamic year that goes by on that date
that it went over, you pay your you pay this account for them.
		
00:59:06 --> 00:59:53
			So it could be like the day they will go and maybe on the day they're born, somebody puts you know,
1000 pound started saving for them since they were born. Maybe before they were born, even someone
start saving for them. But every year that that goes by the pain does occur on the whole amount.
It's not like I paid this I'm not going to pay again, I pay every time keeping but obviously, the
amount is going up and up and up every year because you keep adding if the amount ever goes below
595 grams of silver, then if it goes below that, then you stop the timer and start again. It's the
same with your salary. It's the same with everything else, which is personal. And this way the what
		
00:59:53 --> 01:00:00
			we talked about when we talked about the business goods is very similar, but the difference is the
business
		
01:00:00 --> 01:00:13
			Goods is not just gold and silver, but also anything that you purchase for the intention of selling
it, growing it, making something with it and selling it. This all comes under
		
01:00:14 --> 01:00:46
			a tiara, we're going to stop there and shout out to Adam. But we still have a lot of issues in
business good still to go. So I think I covered about half. But we still have quite a few things to
cover. Because there's quite a lot of things we have to talk about. We haven't talked and really we
haven't spoken really about business shares, shares in companies. Like you know, when you buy shares
in a company, and you get dividends, you sell your shares. We haven't spoken about that either. So
we have quite a few issues to talk about. We have some questions from the brothers who are here.
		
01:01:10 --> 01:01:39
			So here the situation is, is I'm going to make your question more general. I'm gonna make it very
general. Is there any connection between the modern business structure, like whose name is the
business in, change the name, close the business, open a new business? All the things that you know,
even tax evasion, and all that type of stuff? does this affect you as a cop?
		
01:01:41 --> 01:02:21
			The answer is no, it doesn't affect Jessica, you're sick, I still do the same. Because this is
between you and Allah. And you can't make a halo with a lie. You can't make a trick with a line go
around, you know, and say, This is not in my name. It's in my friend's name. Or, like, that's if you
do that with HMRC. That's your responsibility, and you take the you take the punishment for it, or
you you know, you take the October that they give you either the find or they don't fight, but a
Muslim should not cheat. The Prophet sighs I'm sad, man. Akasha 37. Now, whoever cheats is not one
of us. But it doesn't affect your zakka your zakka is your Nia is between you and Allah. And that's
		
01:02:21 --> 01:02:53
			why we said that Islam doesn't really have such a concept as the limited company. It doesn't matter
islamically What matters is who owns that money, you know, who does that money belong to? So it
doesn't harm the limited company is fine. It doesn't harm anybody. But it doesn't really change the
reality of this occur. Because at the end of the day, the limited company has shareholders, right?
Those shareholders, they are the owner of the money, right?
		
01:02:55 --> 01:03:08
			If this company, let's say you have a company called Tim's widgets limited, and we're selling all
different kinds of little things in the shop. At the end of the day, I own half on my son owns half.
		
01:03:09 --> 01:03:24
			So the responsibility of that zacchara is split between the two, same way. So it doesn't really
change if you change the name to somebody else. Or if you closed the business and open a new
business in the sight of a lie. You can't go one way or the other.
		
01:03:37 --> 01:04:03
			Okay, so tax of a tax evasion and tax avoidance. So we're not talking about Zika Okay, we finished
Zika we're talking about Western, or let's say secular non religious tax. Okay. In the UK, we have h
m RC. We are allies, which will keep you and me safe from them. We have HMRC
		
01:04:04 --> 01:04:56
			and they collect tax on behalf of the British government. Is it allowed for a person to evade or
avoid two things taxes? So there are two issues here. First of all the prophets I seldom said man
Harsha fellas, I mean, whoever cheats is not one of us. And he said elmsley Muna Allah show to him.
Muslims have to agree to their terms and conditions. So when you open a business in this country,
you agree to certain conditions. Sure. All right. You agree I'm going to pay my tax. You agree to
report your income to HMRC you agree that you're going to you know after 18 months, you're going to
submit a tax return and listen, that's your you agreed you made a short shoot you agreed with a
		
01:04:56 --> 01:04:59
			Muslim owner and I showed him Muslims have to agree to
		
01:05:00 --> 01:05:09
			stick to those things they agreed. However, we know that much of that tax in the UK is spent upon
Horan agreed.
		
01:05:10 --> 01:05:33
			Some of it, I'm not going to say all of it, some of it is spent upon things that islamically are not
useful or are not allowed or are Haram. So what should the what should be the position of the
Muslim, you're not allowed to break the law, but you should do everything you can to minimize your
tax bill.
		
01:05:35 --> 01:06:15
			And that's the same like every businessman does, did you ever find a businessman who doesn't want to
minimize his tax bill, in the whole world, every single one of them, they want to minimize the bill,
but you can't break the law. So you minimize the bill, the clever way, there is the clever way,
there is the silly way, the clever way is that you you know you have an accountant, and you know,
you have expenses. And you know, you structure your business with shareholders the way that it
should be, and you have, you know, you employ people and, you know, at the end of the day, you use
the law to your advantage to minimize the bill, like everybody does. But you shouldn't get to a
		
01:06:15 --> 01:06:58
			stage where you reach tax evasion, where you are breaking your condition that you made with them,
they never forced you to open a business, they never came and put a gun to your head and said, You
have to open a business today, you agree to open it. And when you agree to open it, you agreed to
the conditions that they put upon you. And the prophet SAW, Selim said, and Muslim monada sruti,
Muslims have to stick to their conditions. So in this case, is not permissible for you to break the
law, and cheat and lie and steal and whatever. But it is permissible for you to minimize your tax
bill in the legal way, like, and you see, the more subpanel at the more these companies, the bigger
		
01:06:58 --> 01:07:38
			they get, the more clever they get to minimize the tax bill. So you see the likes of Google and they
pay like peanuts, in tax, you know, some guy's got a fish and chip shop outside is paying more tax
than these guys. Because they are very clever. They routed their money through this country and that
country and this money went here and that money went there. And then they, they they didn't break
the law, they just use the law to make it as small as possible. And ultimately, that's what you
should try to do, you should see that I want to minimize it. Why do you want to minimize it, because
at the end of the day, most of all, much of that money is going to some things that have no benefit
		
01:07:38 --> 01:08:05
			in it. It's not like it's going to beat a man in the Muslims. You know, it's going to help the poor
Muslim people. You don't try to minimize your soccer. Did anyone say they want to try to minimize a
car? You got to you know, lawyers accountable. Keep it minimum, you know, put some money here some
money there. We spoke about this. Did you remember we gave an example. Right, man, you remember the
example we gave of someone who tries to minimize there is a carbon? How do they do it? We give the
example of sheep.
		
01:08:06 --> 01:08:14
			Give the example with sheep. Somebody has, let's say for example, 200 sheep. So what they do is they
		
01:08:16 --> 01:08:21
			spread the sheep between different people. So that when there's a car collector comes,
		
01:08:22 --> 01:09:03
			he says, I don't have these sheep. These are not all my sheep. That's his sheep and his sheep and
his sheep. Is that allowed in Islam? No. Why? Because the purpose here the prophets I send forbade,
and huge man that you gather together that which was separate, and that you separate what was
gathered to get, in other words, avoidance for the zeca. Because what is this a car going to? It's
going to the poor people, it's going to the needy people, it's going to what's important, is going
to allow loves, as for subsidizing, you know, drunk people on the NHS, then at the end of the day,
this is not in our interest. But we do what we agreed to do. We agreed to live here, we agreed to
		
01:09:03 --> 01:09:46
			open a business here. So we agreed to pay our taxes. But like everybody else, we keep it as low as
we can, like everybody does. And some people think that's immoral. Like so I'm saying outside of the
Muslim, some people say it's wrong, you should not try to minimize it. We see that minimizing it is
any filter is tavira something normal, everybody does it. But there are some people who say today
should not they say that it's it's morally wrong, and you know, why you trying to minimize it, why
you should be, you know, thankful. But ultimately, that's not the case. In terms of non Islamic
things. You pay the minimum that you need to pay to stick to your agreements and your rules and your
		
01:09:46 --> 01:10:00
			laws and so on. But for Islamic Zakah No, you don't try to minimize it by separating your sheep into
groups or by bringing the other person sheep together so you don't have to pay so much and stuff
like that.
		
01:10:01 --> 01:10:02
			Doesn't matter when
		
01:10:03 --> 01:10:06
			somebody is doing it we seem to
		
01:10:07 --> 01:10:08
			be putting on
		
01:10:09 --> 01:10:11
			this year. Next is,
		
01:10:14 --> 01:10:14
			is keep going
		
01:10:16 --> 01:10:19
			on if the left is the business.
		
01:10:34 --> 01:10:53
			So I give you this one very simple what he's doing, either it's legal or illegal. So you're talking
about changing the name of the business to his children and things like that. Either it's allowed or
not allowed. If it's allowed, there's no problem. If it's not allowed, then he can't do it.
		
01:10:57 --> 01:10:59
			Yeah, but it's either like some of some
		
01:11:01 --> 01:11:22
			some of these things are allowed. And some of them are not allowed. For example, I give you an
example of one, which is, I'm not I can't say it's allowed, because I'm not a tax advisor. But I
just give you an example of one that many people do. Someone has a business, he gives his wife a
share of the business.
		
01:11:23 --> 01:12:08
			He gives His wife a share, like 30% of the business, why does he give his wife a share of the
business? Because when it comes to the dividend, she has 10,000 pound tax free or whatever, and he
has 10,000 pound tax free, so he pays a little bit less tax. Generally, if it's not illegal,
islamically we don't it's not a problem. Any, if HMRC say it's illegal, it's illegal. You can't do
it. But if they say it's okay, you give your wife 30%. And then she takes she has a bit more you pay
less tax because you both getting tax free allowance together. So if it's allowed, it's allowed. But
if it's illegal, they come and say no, you're not allowed to change the law. Now from today, you're
		
01:12:08 --> 01:12:09
			not allowed to do that now.
		
01:12:11 --> 01:12:25
			Okay, then if you're not allowed to do it, then as a Muslim, you're not allowed to do either. Does
that make sense? So they have to go to it's not for us to answer. It's they should go to their
accountant and say, is my when I change their business to my son's name, is it allowed or not?
		
01:12:30 --> 01:12:33
			If it's allowed, it's allowed. If it's not allowed, it's not allowed.
		
01:12:35 --> 01:12:36
			islamically It's not a it's not Haram.
		
01:12:37 --> 01:12:58
			islamically we don't have we don't have a say in it. islamically we don't have any opinion about it
at all. Because it's not an Islamic law. It's a non Islamic law, right? So we don't have an opinion,
but the only matters is he is allowed. This is accountancy, it's allowed or not. You can see it's
fine. Can't say no, it's not allowed, this is illegal.
		
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			The person should not break the conditions they agreed to because of the Hadith and Muslim owner,
Allah sruti him Muslims have to agree to the conditions that they that they make.
		
01:13:12 --> 01:13:52
			Okay, let's stop it there inshallah. So we have time for that for Asia. We'll have time to read it.
Do we have any more questions on the live stream today? Did I miss any out okay, in that case,
inshallah huhtala. We will stop there. And we're going to be continuing the topic of business
transactions next week, because we didn't finish all the issues. We have a lot of issues to talk
about business transactions. Today was just an overview. But did you all understand generally about
what we meant about goods for business about business goods and stock and raw materials we
understood in Sharla. Okay, next week, we'll go into some more individual issues and allies are
		
01:13:52 --> 01:13:55
			generals best, or Salatu was Salam ala nabina. Muhammad Weiler
		
01:13:58 --> 01:14:05
			just come along later on for watching. Please subscribe, share, and you can visit Mohammed tim.com