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Lesson 14 Part 2 | The Explanation of Matn Abi Shuja' - The Book of Zakat — Transcript

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0:05Alhamdulillah.
0:12So then to continue when Miff says the
0:14author says as for currency it is of two
0:17types gold and silver and there are five
0:20conditions for it to be obligatory
0:24and we talked about silver and gold
0:27and the evidence and there is a
0:29unanimous agreement that on silver and
0:32gold there is zakat mandatorily.
0:34He he started by saying Islam this the
0:37first condition Islam and we just talked
0:39about it freedom we just talked about it
0:42that's why I wish that he started with
0:44that with the conditions for a zakat not
0:48for each yeah any type of wealth he said
0:51complete ownership and we just talked
0:52about it like in one of the issues
0:54related to this
0:57yeah when we say complete ownership
1:01we can talk about debt
1:04debt debt
1:06and debt is either that you are indebted
1:08to someone else or someone else is
1:10indebted to you. Someone else you owe
1:13someone else or someone else owes to
1:15you. Right?
1:18And who can define to me a meaning of
1:21debt? This is essential. You cannot
1:23study without knowing the proper meaning
1:26of debt.
1:28>> Yes.
1:31your livestock.
1:35>> What is the definition of debt? I'm
1:38going say give me some examples of that.
1:42A rent if some if
1:46if you are waiting for a person to pay
1:48you
1:50rent is that debt.
1:53>> It is a debt. It is a debt. A debt is
1:57not a loan only. A lot of you they know
2:02debt as only knowing
2:05if you have a car accident
2:08and someone
2:10now owes you to fix the damage. Okay. To
2:13repair the damage, he is what? He's in
2:16debt.
2:18If you have a delayed a delay payment,
2:22delay payment. You have a sale and you
2:24have a delay payment. What do we call
2:26this?
2:27>> Debt. Let's suppose you have
2:33you know delayed dowy
2:36it is that so then what is that anything
2:41understand this this is crucial this is
2:43important for you in multiple chapters
2:45in
2:48are you with us
2:50anything anything
2:54established in your liability this is
2:58called
2:59debt and this debt is either to be to
3:02Allah or to his creation.
3:07If you say what is the definition of
3:09liability? How do I know that? What is
3:13liability? This is important.
3:16What is ilc
3:19limited
3:22liability
3:24company?
3:25What is liability? I am liable. I'm
3:29liable. What is a dimma? A dimma? It's a
3:32character, a description, an attribute,
3:34an entity possesses by which it has the
3:38capacity to force and to be forced
3:45what we call liability juristically
3:48speaking in legalistic term.
3:50Okay. So then anytime there is a there
3:53is a any any time
3:57that your liability is busy anything
4:00that is established in your liability we
4:01would consider it debt it's going to be
4:04called that
4:08now
4:10if someone if someone is indebted to you
4:18are the creditor
4:21Do you have a complete ownership?
4:24You are the creditor.
4:27Whether it's in a form of a loan, damage
4:30need to be fixed, delayed payment,
4:32delayed diary, rent.
4:37Do you have a full full ownership
4:40complete ownership? Again, we need to
4:42what? Elaborate.
4:47If that person, okay, the D
4:51and whatever type of debt it is, if the
4:54D is willing and capable, willing and
4:59capable to pay back when it's due,
5:04then when you receive it, when you have
5:06it, you pay zaka on all the years past.
5:11Immah.
5:13If however
5:16that person is not willing or he is
5:19willing but he's not capable then you
5:21only pay zaka on it when
5:25>> once you get it for that year
5:29again there's a long discussion we're
5:32just g giving you the conclusion the
5:34conclusion of 500 pages
5:37okay discussion evidences and so on so
5:41forth
5:44One of the things that they are
5:46important for you here in the United
5:48States is retirement plans.
5:51Okay. Anybody here has retirement plans
5:53or not yet?
5:56>> Yeah. What is retirement? Look, in the
5:58United States, you are a bit different
6:00from the vast majority of countries
6:03around the world. Retirement plans here
6:06in the United States is not a right.
6:08It's what? Privilege.
6:11If you go to any other country, it goes
6:13without saying that you have retirement
6:15plans because it is your right to be
6:17provided from who? From the government.
6:19Here in the United States, you decided
6:22the 401k, IRA, these are you you choose.
6:27Okay.
6:29So
6:31the retirement plans when you have
6:32retirement plans, what what does it mean
6:35actually
6:37what you're doing?
6:39You're taking the company, taking your
6:42money, investing it in usually in the
6:44stock market. When you are 59, you're
6:49going to get it back. This is the the
6:50the the retirement age where you're
6:53going to get it back without penalties
6:55if you want it, right?
6:59Because you can withdraw anytime you
7:01want. Yes, there are there are penalties
7:03which which about 10% you're going to
7:05pay.
7:07We would call that type of wealth. Yeah.
7:10You have a a debt but you can get it
7:14where whatever you want. Yeah. Whenever
7:17you want it, you have you have
7:19ownership.
7:21You have full ownership. If you'd like
7:23with to withdraw the check would would
7:25reach you in about uh maybe you know
7:28four to five weeks. It's going to be in
7:30your uh in your mailbox,
7:33right?
7:35So therefore, you have full ownership of
7:37it. It's not the same in other
7:40countries. In other countries, you don't
7:42have to pay zakah
7:44because it's not yours. You can't have
7:46access to it whatsoever before the the
7:49age of retirement. Here in the United
7:51States, it is first optional. If you'd
7:54like to have it, you can do it. And at
7:57the same time, anytime you would like to
7:59withdraw to uh to withdraw to cash it
8:02out, you you can do it.
8:04So therefore here in the United States
8:06you have full ownership for the
8:08retirement plans for the the the most
8:12famous one is the 41k
8:18once we understand this reality
8:21then is your 410 401k
8:26absolutely
8:28it's absolutely a catapult
8:31the issue is how to pay a cattle on it.
8:35Okay, look without a lot of discussions
8:39and
8:42just apply just just we want you to
8:46understand what we're talking about.
8:49So what does it mean? It means that the
8:51company that the company is indebted to
8:54you
8:56indebted to you. Do they have the
8:58capacity? Are they willing to give it
9:00back to you? Absolutely. So then you
9:02have full full ownership how it's going
9:04to happen.
9:06The way that you're going to do it,
9:09you're going to take it
9:12and then
9:15you're going to get out the portion that
9:18is not collectible.
9:22There is a part of it. It's not going to
9:24be collectible. There is a part of it
9:26called collectible portion which is what
9:28you're going to get back. The other part
9:31or the other portion is not collectible
9:32in the sense that it's going to go for
9:34pay and it's going to go also for taxes.
9:39Okay? They call them deferred taxes and
9:43deferred penalties. These are subtracted
9:46because you won't collect them. So then
9:49what you're going to do, you're going to
9:51subtract
9:54the taxes,
9:56subtract the um the um
10:00the the
10:02penalties. Usually they vary, but
10:05usually they don't go beyond 10%.
10:08They don't go beyond 10%. Sometimes 2%,
10:103%. It depends. Hm.
10:14>> The the the penalty
10:16which fidelity or with fidelity or with
10:19what
10:20>> with my company
10:21>> man they are invested in what
10:23>> the stock market but they do matching
10:25companies do matching so basically
10:27>> 40%. So so so the penalty is 40% or they
10:32would include taxes. It seems to me they
10:34are counting taxes. I think it's 40% of
10:38it because they're taking away their
10:41matching
10:41>> I know and essentially now irrespective
10:44of what they're what they what what they
10:46are intending it for but are you going
10:48to pay other than the penalties when you
10:51withdraw any uh when you would uh
10:54withdraw uh earlier you're going to pay
10:57taxes. Okay. So then and the taxes
11:00usually about it depends on your
11:01bracket. So so it's going to be what?
11:06like what 20% 30% if if you are here in
11:09uh in Minnesota it's you got high taxes
11:12relatively
11:15anyways so then what you're going to do
11:19you're going to subtract
11:22the undeductibles
11:25the uncollectibles
11:27you're going to subtract
11:30taxes subtract
11:33the um um penalties
11:37and the remaining that remaining
11:42if you if if you if you don't like if
11:45you'd like to have Yi if you are
11:48meticulous you would pay it penny by the
11:53by the decimal
11:56then there is something called
11:59nonacatable
12:02assets in the companies you are
12:04investing in
12:07what
12:09Apple
12:11Tesla
12:13what you are investing in you are
12:15investing in the profit that they are
12:17profiting from their cars and so on so
12:19forth and whatever investments that they
12:21have and also they will give you the
12:24value of it the value of the Tesla
12:28company I mean the the stock the value
12:30of the stock of the stock the share of
12:33the Tesla company of Apple or whatever,
12:36they don't only give you the value of
12:38their profit. They also give you the
12:41value of
12:44their plans if they have plans. Offices,
12:49the value of
12:52their advertisements, whatever they give
12:54as an advertisement or as advertisable.
12:57Yeah. Essentially, they give you
12:59everything. They will give you whatever
13:01the cash they have. So then this
13:06some of them like offices
13:09offices whatever tables they have they
13:11have they would say that we have 5,000
13:14offices
13:17right and so on so forth these are not
13:19zakatable.
13:22So if you'd like to be meticulous and
13:23you and you don't like to pay on these,
13:26there's no problem of actually
13:27subtracting the nonsatable
13:30the nonsatable
13:32assets.
13:34How do you do it? If you know how to do
13:36it, you do it yourself. Especially if
13:37you don't have a mutual. If you have a
13:39mutual investment and you have a whole
13:41package in one stock,
13:46some people they they diversify their
13:47their an investment which is a a wise
13:51thing.
13:53The the the
13:56if you would like to have Yeah. And you
13:59you would like to pay to the penny. Yes,
14:01you are you're driven as it is. You're
14:04not even subtracting one penny, but you
14:06would like to pay it to the penny.
14:09exactly as it is.
14:11Then you take it to a professional. He
14:14will do the accounting.
14:17Okay? Because they will subtract the
14:19everything that is not zakarian. All
14:21their assets in the sheet there are
14:24there are assets that they are the the
14:28they call them the the the
14:30nonoperational assets. The
14:32nonoperational assets and then they have
14:34the operational assets. the operational
14:36assets these are nuns accountable.
14:40Okay. But the cash whatever cash they
14:43have whatever investments they have it's
14:46going to be added to the value and
14:48therefore it's going to be added to the
14:50shares that you you you own and then
14:53you're going to pay zaka and how to pay
14:55zaka on on a stocks this is a different
14:57a different ruling. Okay. So then again
15:02again if you want to pay the zakat if
15:07you want to pay the zakat on
15:10401k
15:12how do how do you do it?
15:16>> You
15:19take away taxes you subtract taxes you
15:22subtract penalties
15:24and whatever remaining
15:27you pays the cat on it. When do you pay
15:29the cut on it? The moment you have it,
15:32assess it.
15:34The moment you have the check,
15:37you pay zakat on it
15:38>> for for whatever years that you you you
15:42invested
15:46>> whatever you're investing and for
15:47example
15:49you are now 35 and you you you started
15:52putting it put it in the system
15:55since you are 25. Okay. So then for 10
16:00years what you're going to do you're
16:03going to subtract for each year the
16:04penalties
16:07and he had you withdrawn it
16:10and you're going to subtract the taxes
16:12because they are already taken and then
16:15for 10 years and then you got to pay
16:17zaka for the for these 10 years. So it
16:20would be the same for a pension in
16:22pensions like local government
16:24>> pension.
16:24>> Yeah. You can't withdraw
16:26>> you know if if you can't withdraw it
16:28whatsoever then there is no zap
16:30>> because you didn't have full ownership.
16:32>> What about until like the retirement
16:34>> even if you might die okay you might
16:37die. You might not be eligible at that
16:40time.
16:41You don't have complete ownership. You
16:43don't have full ownership. as opposed to
16:45this what I do say to you that if you
16:47are in the you see what is in the local
16:49government it is what is in the vast
16:51majority of countries around the world
16:54if you are in any country in the world
16:56almost
16:58you you it's guaranteed for you you have
17:00a retirement and here in the United
17:02States if you don't have a retirement of
17:03plans
17:05and then for whatever reason you end up
17:08not continuing then you're going to be
17:09homeless added to that to those people
17:12this is how it works
17:15leftovers.
17:18Yeah,
17:19this is how the system works.
17:25It's one
17:28big debate [clears throat] here amongst
17:30Americans about health care for all.
17:34Still debating it.
17:37Still debate. Should we have health care
17:40for all? Just that would when you want
17:43when you want to go to the hospital if
17:45you are in need you're going to be taken
17:47care of
17:49just by
17:51those who are benefiting from me any
17:54day. Now if a if a person is rich
17:59again I'm not talking from an Islamic
18:00perspective because this is a whole
18:02system altogether. I'm talking about the
18:05system the current system. Now for a
18:07person to be rich here in the United
18:09States. How to become rich? Can you
18:12function without without society? Who
18:14makes you rich?
18:16>> Society.
18:18Otherwise go to an island and work. Be
18:21rich there alone. Go in the middle of
18:23the desert and be rich. If you say I I
18:26earned it, okay? Go there. You don't
18:29have society and work.
18:31So then for you to be rich, you need
18:33those who would enrich you. Yes, you are
18:36smart, work hard, but that the the to be
18:39rich, you must provide for the society
18:41and they're going to be rich. Correct?
18:45Then why don't you give the society
18:46back?
18:48Give that society back. You only became
18:51rich because of us, because of the road
18:53workers who build the streets for your
18:56company to to and to function,
18:59right? those who worked they work hard
19:02in your company they work hard in other
19:04companies they facilitated competition
19:06so that the prices that they that they
19:07can manage and so on so forth there are
19:09endless factors that eventually led you
19:13to be rich
19:15you pay back
19:17this health care just we're going to get
19:200.0
19:231% of the rich we're going to tax them
19:26and take it just to give it to those
19:27people who helped you to be to be rich.
19:31The collective,
19:34why would the prices go up for your
19:38product? Because society want them so
19:41that the prices go up. So they benefited
19:44you.
19:46Again, this not from an Islamic
19:47perspective. From an Islamic
19:48perspective, we're going to change the
19:49system. The system is bad.
19:53Like in just going with that system, a
19:55person who is making a billion
19:58just you're going to get from him in
20:01total about $1,000 to give a person just
20:04to live
20:06just to have any basic
20:10visit every six months to a doctor just
20:12to make sure that we can pre
20:14preemptively make sure that he does not
20:16have diabetes.
20:18Just one visit for a doctor, we can know
20:20that he has a diabetes. Here in the
20:22United States, you can eventually you
20:25might be told that you have what?
20:28Diabetes. Cancer. That's why you have a
20:31lot of cancer. Why? Why have a lot of
20:32cancer? Because you won't find it in
20:34Germany.
20:36Because in Germany, every six months you
20:38are checked. You can just stop by and
20:40you're going to be checked from head to
20:41toe. Internal and external.
20:46That's why they live any longer. the
20:47life any expectancy the the ability of
20:50productivity you can see subhan all if
20:53American walks and a German walks you
20:55can see the difference
21:00and what I'm saying here is that the um
21:04the the the
21:07retirement plans
21:09here in the United States it's optional
21:12it's optional and it is also available
21:17anytime you'd like to withdraw. Yes,
21:18there are penalties and that's why we're
21:20going to take into consideration these
21:21penalties to be taken to be taken out.
21:25If you'd like to be more meticulous, you
21:27don't pay to the penny and it might make
21:29a huge difference actually. If you if
21:32you'd like to pay to the decimal,
21:36but you need to do more more accounting
21:39by by subtracting the nonzatable assets.
21:44Is that understood? Inshallah.
21:46And then the author says
21:49and the completion of one year and we
21:50just talked about it the completion of
21:52one year and there is a unanimous
21:54agreement regarding this ruling. We need
21:57one full loaner year while reaching the
22:01threshold.
22:02And he said, we actually skipped the
22:07or we missed and for silver and gold. As
22:12for gold according to the
22:16because for gold you need 20 dinars.
22:19What is it in the value of today or the
22:23yes in the amount of today? It's going
22:25to be equal to the value of
22:2985 grams.
22:3285 g of gold
22:37today.
22:39Now, Muhammad, just go get it up. See
22:42what is 85 grams of gold today is uh
22:47what's the value of it today?
22:51>> H
22:54yeah any one gram of go again pure gold.
22:57Okay. Make sure that it's the 99.9%.
23:00The 24 Yes.
23:02>> 11,985
23:05>> 11,500
23:07>> 11,900
23:08>> 11,900.
23:11Okay. 11,900.
23:13Yeah. Any almost 12,000 method? Okay.
23:1612,000. If you have in your bank account
23:19now 12,000
23:21the moment you reach 12,000 in your bank
23:23account, you started to to to count
23:28you started the year.
23:31Okay? If you have it now in your bank
23:33account 12,000, you you've got to make
23:36sure when you got it when you have the
23:3812,000 you might now you are in the year
23:41of of zak
23:44and then you don't go below you don't go
23:48below the 12,000 this 11,900
23:52okay
23:54one full year you don't go below
23:59as for silver it's going to be 585
24:05according to the most correct opinion.
24:06This is the conservative number. Some
24:08scholars they say it's actually 595
24:13around 600 like in the most correct
24:15opinion is is going to be 500
24:1885 grams
24:21>> grams grams they can't buy grams
24:25yah what is now what is today 885 grams
24:30of the the value of 885 grams of of
24:34silver.
24:38It seems to me she's accurate.
24:43>> 5852.
24:48>> It says 6,9,000
24:51because this is the difference between
24:53gold and silver.
24:54>> Silver
24:598
25:01500
25:02>> 585
25:04>> again again just we want to make sure
25:07>> because if you tell me this number I
25:09would believe it you know it's been a
25:11while that I didn't check but he would
25:12believe it because it fluctuates
25:14>> especially with oil now going up and
25:16down up and down oil and silver they are
25:20brothers
25:23>> it's a little bit different so today
25:26>> yeah yeah we need it today today
25:28>> today the pure is worth about 1,210
25:32for the 585. That's how much you say
25:35that it's worth.
25:36>> You see, it's a huge difference. So now
25:39we're going to calculate it according to
25:41what?
25:43>> Goal. Because this is going to be
25:45beneficial for who?
25:46>> To the poor.
25:49You understand?
25:51If they vary, if they vary today,
25:54because now we have
25:56now we it's
25:59silver and gold.
26:02If they vary in the value, we're going
26:04to go with the one that is more
26:07beneficial to the
26:08>> to the poor.
26:11>> So in this context, it's going to be
26:13silver or gold.
26:18Gold way much higher.
26:21>> Gold is way much higher.
26:23>> Okay.
26:25>> Why gold is high now?
26:28>> Oil
26:30because of oil.
26:33>> Do you understand?
26:35Now if you are a good investor, what do
26:37you do?
26:39>> H
26:40>> gold. But but now you are barely
26:42catching up.
26:45You're barely catching up because if
26:47some stability now happens in the in the
26:49areas where oil is there then
26:53then s then gold would a bit and it go
26:57down it would decrease a bit. It's not
26:59expected at all that it would plummet
27:02like it would decrease maybe three,
27:04four, five, three, three, three% around
27:06this time. But now if you are smart
27:09enough go ahead invest in
27:11>> silver.
27:13Silver because if if gold goes down then
27:17people turns to where?
27:19>> Silver now you can sell.
27:23Okay.
27:28is that do you know what we're talking
27:30about?
27:34So then again, gold today today is what?
27:39>> 12,900
27:41>> 11,900
27:43give or take.
27:46Silver
27:48>> 1,200
27:501200. Yeah. 1,200
27:53around. Give give or take nearly.
27:57Okay. If you have it in your account,
27:59you are amongst those who are going to
28:01pay zaka if you keep it, which is very
28:04unlikely.
28:11Now
28:13they are struggling. People are
28:15struggling.
28:22Some people say with tin
28:25and tin. Absolutely. No, no doubt.
28:31He now he's talking about but we have
28:35only two minutes. What do you think?
28:37Should we just keep it here and we're
28:39going to continue in the following
28:40session, right? Inshallah next week or
28:43actually next week because the
28:46convention he says only in Saturday
28:48we're going to meet inshallah. So Sunday
28:50it's going to be for
28:53>> Yeah. And we're going to be on the same
28:55the same book. Yes. You raise your hand.
29:00>> Yes.
29:10>> If you can choose the investment, choose
29:12a company that that is that it's a
29:16product of halal. As for investments is
29:19just uncontrollable because they they
29:21invest in the American stock market.
29:23It's very rare with that. They went to
29:26over 120 American companies or foreign
29:30companies investing in the American
29:32stock market NASDAQ or whatever
29:36they I don't find when I went over the
29:38street that either that they that their
29:41products are haram or their products are
29:44halal but they but they borrow and lend
29:47in uh with the with interest but so then
29:51what we say to you then you don't have
29:53it here in the United states.
29:56It's it's it's very difficult to say to
29:58people if they don't have retirement
30:00plans, they're going to be thrown in the
30:02streets.
30:04You say to people, it's
30:07immediately definitely would encourage
30:10them to be investors, but this is not
30:12the trend. We would like you to not have
30:15a retirement plans to be the boss, to be
30:17the investor, to see you are the one who
30:20has actually others invested in your
30:22company.
30:24It's not reality. Now people, it's not
30:26about saving capital to invest. Now they
30:29just struggle to pay their bills.
30:33I would assume I don't have statistics.
30:35But it's easy to pull up and you can go
30:37to the government and see how how people
30:39are worldly functioning. I would assume
30:42that most many Americans many Americans
30:47by half of the month they they they need
30:50a loan. They can't they can't do it.
30:54They can't do it. You need to have the
30:56basics. Groceries, paying your bills.
31:00If you if you're if you're in
31:01California,
31:03New York,
31:06even in some places in Virginia,
31:10go to Tennessee
31:12to any Georgia, go to these places,
31:16these these states. No, no.
31:19>> For the person that's ignorant and
31:20didn't pay uh Zikat on their retirement
31:23plans past 3 years, are they must they
31:27pay it like as soon as possible or can
31:29they wait?
31:30>> They they wait until [clears throat] day
31:31with the uh draw it but they calculate
31:34these years then every year you write it
31:36down. Oh, so you do as a when you
31:39actually hold
31:40>> when you actually hold it. We just
31:41mentioned that as opposed to some some
31:44say that if he is willing to pay if he's
31:46willing to pay like like in the in the
31:49case of uh for 41
31:53401k they they say that you pay it every
31:56year. You're going to pay it every year
32:03when you hold it. Yes.
32:07on a health savings account
32:10>> health saving accounts
32:13the same thing the same ruling is going
32:15to be applicable
32:15>> but you can only use that money for
32:17medical
32:18>> yeah the same thing
32:20because you can it's optional and you
32:23can withdraw it with whatever you want
32:26then you're going to pay the cat on it
32:35>> from the women's side Yes.
32:38>> Um when we have the saving account they
32:41said we we gain some money but it says
32:45>> yes
32:47you have you need to have a checking
32:49account.
32:51You if you have a saving account
32:54you're going to pay this interest and
32:56when they pay your interest back get rid
32:58of it and change your account. Get rid
33:01of it. Even if you have o and sometimes
33:05if you have overdraft they call them
33:07fees. Now you are paying rebel.
33:10So make sure you don't overdraft at the
33:13rebel. You're paying rebel because what
33:15you are actually doing
33:18you are they are lending you now. If you
33:21overdraft they are crediting you. So you
33:24don't overdraft. If you know balance and
33:28having and have a checking account, you
33:30not have a saving account. Saving
33:32account you are lending the the the
33:35bank. You're lending them. This is how
33:37they create money. They call it they
33:39create money. How they create money?
33:41They borrow from you on their liability.
33:43They go to another customer. They are
33:46they do what? Now they are the lenders.
33:48They take the profit. They call it the
33:50percentage of interest. Now they created
33:52money. oil while is on the table. They
33:55create money out of thin air.
33:58Now, this is how they work. Banks, they
34:02create money out of thin air sitting on
34:05a table making billions and billions and
34:07billions.
34:09>> Yes, there are savings accounts that
34:11have no interest. Some
34:13>> pay some banks, but the default that the
34:16the your saving account is actually
34:18because this is the main of saving
34:19account. You are lending the money. Save
34:22it.
34:27>> Yeah. Can you invest in things related
34:30to war like right now oil?
34:32>> Well,
34:33the investment in of itself is
34:35permissible. But since you know that
34:38most of these companies actually they
34:39are included in what we call the
34:41industrial the military industrial
34:43complex.
34:45they are actually
34:48they are sold to do harm.
34:51So in most of the cases
34:55I don't encourage it but it's very
34:56difficult to say it is haram because you
34:58don't you don't know exactly that it's
35:00going to do harm. It might go to people
35:02that they they use it for any good usage
35:06to defend themselves,
35:09right?
35:11It is if it is very likely that that
35:13it's going to be used for haram things,
35:16then you don't use it. You should not
35:18invest. Yes.
35:20>> Can I pay for the zaka
35:23from livestock with currency like mix
35:26match?
35:27>> You're going to pay zakah from the same
35:29wealth.
35:31So for the livestock we're going to pay
35:32zaka from the livestock camels or
35:38or cows sheep you know crops from the
35:43same from the same wealth from the same
35:45type of wealth
35:52>> for complete ownership if you co own a
35:54business
35:55>> you're going to pay zaka according to
35:57your share
35:58>> the percentage so if you have 30% %
36:01they're not going to pay zaka of 30% of
36:03the company you have or the business you
36:05have
36:06>> you want to pay is that still acceptable
36:08>> what do you mean that you're going to
36:09pay it to go so one of you is going to
36:11pay it then he will return to the to the
36:14to the to the partner and he will get
36:16the percentage from it
36:25yes
36:25>> how would you
36:29get them. You get rid of them in in
36:32building a bridges, paving roads for the
36:35interest of the Muslims,
36:38but you don't give them as charity as as
36:41a
36:43making people merry and so on and so
36:44forth. You make it for the public usage,
36:47not for the private usage. This is the
36:49mean of getting rid of it.
36:53You use it for the public, for the
36:55public interest.
36:58What about
37:06they were more pious and righteous than
37:08building aaa from? See, we don't build
37:11fromb.
37:13>> Yes.
37:19>> With with what
37:20>> is it for a company to match the
37:23contribution in retirement plans?
37:25This is the the way that they are
37:28actually doing it in order to deter you
37:31from withdrawing. So it's it's a policy.
37:34If you have that agreement, if you have
37:37that agreement, if you can negotiate it,
37:39which is very unlikely, then that's what
37:42you should do. But if it's unnegotiable
37:43for them, this is the the the only
37:46option you have available, you know,
37:48otherwise you can't. Again, who choose
37:51to live here?
37:54you.
37:56>> Yeah, you choose to be here. Is there
37:58anybody, you know, lashing you to be
38:01here? You choose. This is the system.
38:04This is how it works
38:08in Sweden. In Sweden,
38:12they want to
38:14just ask Muslims to leave just pushing
38:17them out. This completely goes against
38:19what they propagating, you know, human
38:22rights, equality and all this stuff
38:24because they can't. So what they are
38:26doing, they're doing it so subtly.
38:29They're trying to make the life of
38:31Muslims hard
38:34and they they in Britain it's a bit
38:37difficult, but they might do it here in
38:39the United States. They might do it in
38:42many places in Europe.
38:45So they might do it a bit harder because
38:49many Muslims when they went to Europe
38:51and they said okay this is what we're
38:52propagating let's tested you know
38:55equality freedom of uh religion and
38:58expression and stuff but now actually
39:00they were anticipating Muslims when they
39:02come they assim yeah they integrated
39:04into the system but they found out that
39:07actually like in Norway, Denmark,
39:09Sweden, France
39:12they are they now they are holding
39:14They're holding to what they believe in.
39:17It varies. It depends on the the
39:19ethnicity, the demographics.
39:23But in general,
39:25Sweden, they would say halal, they won't
39:29say it's not allowed to have halal
39:31because if you say it's not allowed to
39:32have halal now, it goes against what
39:34they are propagating a freedom of
39:35religion and the religious property of
39:37human rights. But they will make it in a
39:40way it's targeting
39:42the halal And if you make halal mean
39:45difficult for a Muslim what's going to
39:47happen
39:49>> now you make life his life is difficult
39:53then you find another thing
39:56you can't wear a veil in they won't call
39:59it
40:01yeah Muslim or something or religious
40:03symbol they will formulate in a way to
40:07make it
40:09not targeting
40:11the the the the Muslim practice
40:13practices but its effect going to affect
40:16the Muslim practice. So now it is
40:18difficult. So if he if he has 10 things
40:21making his life very difficult either
40:24that he will concede to the system or he
40:26decide to do what? Leave and this is
40:29what we want.
40:30Okay. So Sweden now they are on top they
40:34this is how they are doing it now in a
40:35very subtle way silently. Nobody knows
40:38about what they're doing. They're not
40:40making a noise.
40:42They're not like here
40:44what they don't speak this way the
40:46Swedish because they are small country
40:48you know about what six seven million I
40:50think and nobody they you know have the
40:52year snow and nobody cares about the
40:54universe but and they have a very small
40:57Muslim population but they they can do
40:59it now they are setting the example for
41:02the Europeans okay no problem but now
41:04you have exposure yourself you don't
41:05believe in the stuff you don't believe
41:07in the freedom these things as as fits
41:11if If it works for me, I follow exactly
41:13like
41:15they would worship. They would make a
41:18statue
41:20made of dates. When they are hungry,
41:24they eat it.
41:26This is how it work. Democracy like a
41:28statue of dates. Democracy, freedom, all
41:31these propagations. If it goes well, the
41:35way we want. Yes. But when it's really
41:38tested
41:40because if you believe okay let ideas
41:43compete why are you afraid of Muslim if
41:45if Muslims if Muslims more convincing
41:48let them go this is what society will
41:51want
41:54that tells you nobody tests the west as
41:58Muslims
42:01because okay you're saying you you are
42:04liberal democratic
42:06free. Let's see. Let's see.
42:15And they are exaggerating. Muslims want
42:17to take over. What I'm saying here is
42:19that
42:23at the end of the day, you you choose to
42:26be here. You choose. Most Muslims most
42:31most Muslims, they have a choice not to
42:33be.
42:35Most Muslims living in the west even
42:38born and raised I'm talking about the
42:39third generation still yeah yes they are
42:42citizens but still they have that nobody
42:45is forcing you to be here
42:47now many white Americans when they
42:49accept Islam they they move
42:53up by by their choice they go to
42:55Malaysia Saudi Arabia to whatever
43:00Bosnia
43:03nobody forcing you to be here very maybe
43:075 to 10% maybe they don't have any other
43:10option
43:12but you have a you have a choice to be
43:13here it's a choice it's not forced you
43:16know now
43:19I wanted to know if a person wants to
43:22know about and they're just like you
43:26know
43:28citizen or somebody who doesn't know
43:29anything about snap is there like a
43:31authentic website or somewhere that you
43:33can refer them to where they can read
43:36about different
43:37>> about the the Islamic financial system,
43:40the Islamic the economic system
43:43[snorts]
43:44>> in English
43:48to share with us the show.
43:50>> I can Yeah. Yeah. I can go to my books
43:53and see the references because I'm I'm
43:55I'm a book person. I can see the
43:58references and I can refer them to you
44:00if I if I find a you know.org or go
44:05I can refer it inshallah.

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