5- Furu Al-Din Course - Khums - Sayed Saleh Qazwini

0 المشاهدات· 24/10/22

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[0:01]M muhamad so we are having our fifth session and inshallah in

[0:12]the we've covered Salah we've covered we've covered Hajj we've covered zakat

[0:19]and now we are covering so is one of the financial obligations

[0:27]upon every Muslim can you go to the the slide explaining what

[0:36]is okay so literally means 1th it literally means oneth and that

[0:46]is also one of the financial obligations that we have in Islamic

[0:51]law it refers to an obligatory religious tax just like zakat was

[0:59]a religious tax this one remember when we were talking about zakat

[1:03]we said zakat is only paid on certain things for example if

[1:06]you have cattle if you have gold if you have silver if

[1:11]you have wheat and grain and SE certain type of items that

[1:14]you have but not everyone has those type of items so is

[1:22]one of the Surplus you pay religious tax which one must pay

[1:27]on several things the most common of which is the Surplus plus

[1:30]income from earnings and gains so there are certain things that is

[1:38]must be paid upon for example The Spoils of War or if

[1:43]you stumble upon a treasure that is um everyone is a is

[1:52]in agreement about that however there's also any type of earning or

[1:57]gain any surplus that you have at the end of the year

[2:00]over earnings and gains so at the end you see how much

[2:07]the Surplus is and then you take out one of it and

[2:12]that is 20% that is a religious tax that is a religious

[2:15]obligation that must be paid by every Muslim any person who's B

[2:23]any person who comprehends any person who has ownership this person it

[2:30]becomes wag upon them to pays and is also one of the

[2:33]so we were talking about the the the the the these are

[2:46]the 10 10 obligations from amongst the obligations that is wag upon

[2:51]every Muslim is to give that that one that 20% over the

[2:59]Surplus it's not given over one fif of everything that you own

[3:02]it's only one fif for the Surplus that you have and this

[3:08]is one of the obligations that has been prescribed by Allah subhanahu

[3:12]wa'ta'ala in the Quran and Allah subhanahu wa'ta'ala speaks about this in

[3:19]the Quran inah verse 41 and this was something that was practiced

[3:25]during the life of rasol Allah and during the life of the

[3:29]imams and it's an act of worship when it's an act of

[3:34]worship what what what do you have to do when you're doing

[3:36]ni what does NIA mean intention that means you are right now

[3:43]when you guys pay your how many of you pay taxes I

[3:47]know you pay sales tax right um you're probably too young to

[3:53]be paying Actual taxes income tax or whatever that is when you

[3:56]pay your income tax or you pay your property tax do you

[4:00]make a ni government you you try to seek nearness to the

[4:03]president or congress no you say why are they making me pay

[4:09]and you probably curse at them and then you send the you

[4:11]send the check because you have to but when we are giving

[4:16]our zakat when we are giving our hes when we're giving our

[4:19]charity we do it we say I'm seeking nearness to no one's

[4:25]forcing me to give no one's coming and telling me you're going

[4:27]to get kicked out of your house if you don't give we're

[4:31]going to take away your property no here here they do this

[4:33]in this country they do this if you don't pay your taxes

[4:37]they'll come and they'll seize your property but by Allah subhana Allah

[4:40]is not going to take your property Allah is not going to

[4:44]take it from you but you are doing it seeking nearness to

[4:47]Allah subhah wa tala you're seeking closeness you want God to be

[4:50]satisfied that's that's that's what makes different from everything else you say

[4:56]I want to get closer to Allah I want Allah to be

[4:59]pleased with me by doing this so this is why we do

[5:03]it can we go to the next slide and this isah verse

[5:06]41 Allah subh says in the Quran so Allah says in the

[5:25]Quran and know whatever that know that whatever spoils you take here

[5:33]there's a difference in opinion Sunni Muslims today they'll come and they'll

[5:38]tell you we pay zakat and remember we talked about zakat last

[5:44]week we said zakat is paid on nine things you have the

[5:49]gold and the silver the coins not jewelry and then you have

[5:52]the cattle the sheep and the cows and the camel and then

[5:58]you have raisins and wheat and barley and grain these type of

[6:01]things if you have you pay zakat on we in the Shia

[6:05]school of thought we don't pay zakat on money while the Sunni

[6:09]school of thought they pay 2% 2% on cash so so we

[6:16]say no the the the the order of zakat has come down

[6:18]upon these nine things only you can't come and pay you don't

[6:24]need to pay zakat on the cash that you have anything other

[6:25]than these nine things in the Sunni school of thought they come

[6:30]and they say even if you have uh cash at the end

[6:35]of the year you pay 2% zakat we say no you don't

[6:36]pay on cash you only pay on those nine things however if

[6:42]you have cash the rule of applies to it because the Quran

[6:46]says and know that whatever spoils you take in but in the

[6:54]Arabic language when they talk about after a battle after a war

[6:58]if there are any Spoils of War they refer to to that

[7:00]as The Spoils of War now this this uh English translation it's

[7:08]only referring it's giving you the Sunni version basically it's only talking

[7:12]about Spoils of War but Allah subhana doesn't say that it's only

[7:21]about Spoils of War Allah says any type of any type of

[7:30]uh spoils so so it doesn't necessarily need to be from um

[7:34]from war because when you when someone tells you spoils usually our

[7:39]mind goes to Spoils of War but this is any type of

[7:47]surplus that you make it's not only in the case of War

[7:52]so this is why we say applies to any type of surplus

[7:54]that I make I work I made money at the end of

[7:58]the year I have Surplus Humes applies to it I have gifts

[8:00]whatever it is applies to it there are certain things that are

[8:07]exceptions but here the verse is very clear and know any type

[8:10]of spoil any type of gain that you have the one goes

[8:19]to God and the prophet and the family of the prophet and

[8:26]the orphans and the poor and those who are the person who

[8:33]lost their money while they're traveling so this is a very important

[8:36]verse that talks abouts let's go to the next slide so what

[8:43]things are liable fors when does a person when does a person

[8:48]have to payes so whenever there is a surplus Surplus what does

[8:57]that mean it means that I spend on my food I spend

[9:02]on my living I eat I drink I sleep I have a

[9:03]house I take care of my family I I live a comfortable

[9:10]life okay then whatever is extra Allah does not want you to

[9:15]take from your whole income like here the government they come and

[9:17]they tell you how much do you make a year okay then

[9:20]you have to come and give even if you had nothing in

[9:23]your bank account they'll come and they'll tell you you have to

[9:27]give Allah subhana T says no you spend you live you enjoy

[9:29]life life you live a comfortable life whatever you have left at

[9:35]the end this is the Surplus it's a gain it's an earning

[9:37]on what on salaries and wages earning from businesses earning from Investments

[9:43]a lot of people ask they say I have stocks I have

[9:48]Bitcoin I have whatever you have if you have any type of

[9:51]surplus any type of gain then HS must be paid on it

[9:59]one of that must be paid um any gifts any prizes and

[10:05]bonuses welfare any any expected income or something that was not expected

[10:11]s maybe someone gave you sodak that you had and now now

[10:15]I became rich as well here based on obligatory precaution so maybe

[10:20]some people say no this person is poor he doesn't need but

[10:22]they say that if you have extra at the end of the

[10:26]year then that would also uh be included in it um inheritance

[10:29]from an unexpected Source unexpected meaning something something that you have a

[10:38]far far cousin that suddenly they found out that there's no relative

[10:42]and suddenly it came to you say applied this is also based

[10:45]on obligatory precaution so what are the ex exemptions go to the

[10:51]next slide please the exemptions so not all gains you know in

[10:58]Islam we have when whenever there's a marriage the husband has to

[11:03]give Mahar has to give a dowry to the wife so the

[11:08]Mahar is an exemption so if a husband gave his wife for

[11:16]example $1,000 $10,000 whatever he gave her for the Mahar that she

[11:20]does not need to pay on it let it sit in the

[11:25]bank for 10 years any other money if it sits in the

[11:27]bank for one year or you have owner ship of it for

[11:32]one year after one year you have to pay on it but

[11:37]Mah this one there's no there's no on it inheritance so if

[11:43]you have inheritance we T earlier we mentioned unexpected inheritance but if

[11:48]you have inheritance from your father from your mother from parents a

[11:51]wife from a husband a husband from wife from children this is

[11:57]expected you know that this is coming to you so in this

[12:02]case there is no on Earth no no on inheritance and this

[12:07]is um this is something that unless you know for sure that

[12:12]the deceased never gave hes unless you know that this person never

[12:18]paids then um you would have to give on it but if

[12:23]there's a chance or you don't know that he didn't give HS

[12:27]this person I don't know whether they gave hums or not I

[12:29]don't have knowledge that this person has never given then I don't

[12:35]need to pay on it the DIA the blood money so in

[12:39]Islam we have Dia for example if someone someone accidentally did something

[12:47]where you lost your arm where you lost an eye or a

[12:50]loved one some relative passed away they have to give Dia they

[12:57]have to give blood money for the arm for the eye for

[12:59]anything this is called Dia so if someone was given Dia does

[13:07]not apply to the DIA and then also and we will go

[13:12]into detail on this if you have financial loans so say I

[13:17]have a house or I have a car and my loan the

[13:23]money that I have borrowed is greater than my Surplus so say

[13:26]at the end of the year I have 10,000 ,000 after I

[13:30]spent I paid the bills and everything I have $10,000 in my

[13:36]bank account but I have a mortgage or I have to pay

[13:37]back someone I owe this I have a mortgage of $100,000 here

[13:43]I don't pays but it's not that I don't pay at all

[13:50]I deduct that 10,000 from the 100,000 so say I I owed

[13:53]the bank 10 $100,000 or I owe someone $100,000 and at the

[13:59]end of the year I have 10,000 in Surplus I did not

[14:03]pay back the bank or I did not pay back that person

[14:05]the 100,000 but now I deducted that 10,000 from the 100 so

[14:10]now how much do I owe 90 even though that person I

[14:17]might still owe him a 100 but I deducted that 10 so

[14:19]say I do this for 10 years I do this for 10

[14:23]years every year I take out 10 $10,000 Surplus and I deduct

[14:28]it that 90 becomes 80 becomes 70 becom 60 until it becomes

[14:31]zero and even if I have not paid back that sing that

[14:37]person a single dollar for 10 years I don't have to pays

[14:39]but the moment now now I already deducted that now I can't

[14:47]even if I haven't paid him back um I would I would

[14:49]still have to start paying HS because I already deducted that is

[14:55]it clear yes sister yes you keep minusing then you start paying

[15:10]hes then you start paying hes but say for example here the

[15:13]the issue is sometimes someone you have a 30-year loan my my

[15:19]30-year loan I have to pay $200,000 $100,000 on the house I

[15:25]don't want to pay it all at once I pay it slowly

[15:26]so what I do is I take the the Surplus and I

[15:32]I keep subtracting it so even if I have a 30-year loan

[15:36]I might pay off that debt because my Surplus might become more

[15:39]than what I owe within five years after five years I have

[15:42]to start paying homes so you just keep deducting and you need

[15:45]to write it down um these are the rules can we go

[15:50]to the next slide please so are Savings and Loans liable fors

[15:52]so a lot of people they ask me this question they tell

[15:56]me I have in my checking account and I have in my

[15:59]savings account in my checking account I pay the ksan but in

[16:03]my savings account do I have to paysan the answer is yes

[16:07]so to simplify things at the end of the year or the

[16:09]date that you have chosen what a person should do is get

[16:15]their checkings and savings and stocks and everything that they have that

[16:19]is extra so the house that I live in I don't take

[16:23]the value of my house because I'm living the car that I

[16:24]drive I don't take the value of the but say for example

[16:29]I have money sitting in the the bank I have stocks investment

[16:31]or I have investment property I come and I take all of

[16:36]that value all of that how much is it worth in cash

[16:40]and I put it in one hand and then I come and

[16:44]I count the on it so all savings for future years are

[16:46]liable fors so maybe I'm trying to buy a house and I

[16:51]say I'm going to buy a house in five years I keep

[16:55]I keep collecting money do I have to pays on it yes

[16:57]once the year comes is is due once has been paid on

[17:03]an amount that has been put aside for use in future years

[17:08]that amount is not liable fors again only increases to it will

[17:11]be liable so do I say for example at the end of

[17:18]the year or the date that I've chosen I have $10,000 I

[17:22]took out the how much is the of $10,000 $2,000 20% two

[17:32]20% so how much do I have left no $8,000 $8,000 so

[17:41]now that $8,000 since I paid on it I will not have

[17:48]to pay on it again so the next year the next year

[17:52]I go and I look at my that same date that year

[17:57]I have $8,000 in my bank account do I have to pay

[18:01]hes no because last year I my my clean money basically last

[18:04]year I had 10,000 I took out 2,000 now I have 8,000

[18:09]this 8,000 this is considered M meaning I've already purified that money

[18:13]I I took out the 20% of it now that money is

[18:19]pure so now this 8,000 I don't pay on it say I

[18:20]had $9,000 so what do I pays on only the 1,000 anything

[18:31]above the 8,000 and then when you take the 1,000 what's the

[18:37]of 1,000 200 so that year you put $200 in the $800

[18:40]becomes pure money you add it to the $8,800 so if you

[18:47]if a person pays HS every year that number goes up and

[18:53]they won't have to pay every year maybe for some people the

[18:55]first time they pay some people they've never paids in their life

[18:57]then they're like they see oh I have I have $10,000 in

[19:01]my bank account I have $20,000 you have to give for all

[19:05]of it but the next year since you already gave the next

[19:08]year you're going to give less you only give whatever extra you

[19:14]made above the above the pure money yes then you don't pays

[19:31]yes the year after that you start all over you you start

[19:37]all over if you have if you have um above above the

[19:42]8,000 so you you you that's that's the money that if that's

[19:44]the same money that you have in your bank account say I

[19:48]have that money in my bank account then I just pay anything

[19:50]above that yes yes yes so you write down you write down

[20:10]how much you have and then whatever how much you've paid coms

[20:18]then anything above that you would pay the on yes um so

[20:21]so once has been paid on an amount that has been put

[20:26]aside for use in future years that amount is not liable for

[20:29]comes again only increases it increases to it will be liable as

[20:36]for loans these can be deducted from one's Surplus income if the

[20:39]loan is taken to pay for a deductible expense that year so

[20:48]what's a deductible yes sister yes only for the 25 if you

[21:02]had $88,000 And1 you only pays for the $1 basically you just

[21:08]have to see what is extra and now it's very easy you

[21:11]write down in your phone you write down in your phone or

[21:16]you you put it down you say for example this is and

[21:20]every person needs to have a date either a on the Gregorian

[21:22]calendar or on the Islamic calendar it doesn't matter but you pick

[21:25]one date your birthday Le some people because it's the night where

[21:31]the Deeds are multiplied any day that you want any day that

[21:37]you want but typically it should be the day that you first

[21:40]received income so say I got a job and they gave me

[21:46]money October 1st that's my first day that I received my check

[21:49]that should be the day that I calculate to give myON yes

[21:55]Joad only on the earnings so yes that 8,000 was M money

[22:16]I put it in Investments I only pay if it became 9,000

[22:22]I only pay on the 1,000 the 8,000 is M I've already

[22:24]given on it I only give on what's extra okay yes so

[22:31]um as for loans these can be deducted from one Surplus income

[22:36]if the loan is taken to pay for a deductible expense that

[22:39]year deductible expense means to pay for my house to pay for

[22:43]my car to pay for something that I could use I'm not

[22:45]getting it for another investment I'm getting it for something that I

[22:52]am using like a car you drive your car a house that

[22:54]you live in you could deduct that um the loan is taken

[22:58]to cover expenses for running a business as long as there's no

[23:02]assets or cash available to cover those businesses those expenses so say

[23:06]for example I have a business I need to I need my

[23:11]business to operate I had to take a loan so that loan

[23:13]because it's necessary It's deductible but if it's for I had money

[23:19]I didn't use my money but I went and I took a

[23:22]loan I can't come and say oh I have a loan I

[23:25]don't need to pay hes now because I already had money but

[23:26]if I didn't have money and I have to support my business

[23:31]because my business keeps me alive therefore it keeps me going and

[23:34]keeps my business going therefore this is a necessary expense okay um

[23:40]expenses for running a business include renting of a premise to be

[23:45]used as an office shop storage staff salaries taxes utility bills Insurance

[23:49]hiring or purchasing tools so all of these expenses you could deduct

[23:55]them from your comes can we go to the next slide uh

[23:58]anyone have any any questions for what has been mentioned so far

[24:02]okay so when does a person payes first of all a person

[24:11]has to be B so a child just like we talked about

[24:14]all of the a person has to be b a person has

[24:18]to go through the age of puberty understanding and have ownership doesn't

[24:23]matter how much you own say I own a dollar or I

[24:28]own a million dollars HS has to be paid each one takes

[24:33]out one5 the one that has a dollar takes out 20 cents

[24:35]the one that has a million dollars takes out 200,000 each one

[24:41]has to give their share and this is the beauty of Islam

[24:44]that every person needs to contribute every person needs to give back

[24:47]even if I don't have now yes if a person is fak

[24:51]if a person is poor then they use the money for themselves

[24:55]but if you have Surplus at the end of the year then

[24:57]that means you're not poor a poor person is someone that does

[25:02]not have Surplus at the end of the year but if you

[25:03]do have Surplus at the end of the year then that would

[25:07]mean you um are not poor so is not payable immediately so

[25:12]say for example I received my check I I started working and

[25:16]I received my check do I have to pays as soon as

[25:19]I get it no because a lot of people they get their

[25:24]check but then they say okay now I have to go and

[25:25]pay this bill I have to pay this bill I have to

[25:28]spend here spend there there so then Allah subhana tala out of

[25:32]his Mercy he tells me go and spend you have a whole

[25:34]year go and spend enjoy your money do whatever you can then

[25:38]you see what you have left because right now say I received

[25:40]$1,000 but I have to pay my rent I have to pay

[25:44]my expenses if I had to take out 20% now like what

[25:47]they do in America here if you receive a salary say your

[25:51]salary is $100,000 before you get your money in the bank what

[25:56]happens who takes the share Uncle Sam take makes a share and

[26:00]the money the money is taken out you don't even get to

[26:04]see it they they they come and they take Allah says no

[26:09]Allah says go and spend your money you have a whole year

[26:11]spend on anything necessary anything any deduction you could use then after

[26:16]one year rather you have a choice of either paying when you

[26:22]receive an income or postponing it so you have two options some

[26:24]people they say no no no you know what I don't want

[26:28]Allah subhana wa tala to hold me accountable on the day of

[26:30]judgment as soon as they give me money I take out 20%

[26:34]and I give it this is an option but you'll be paying

[26:36]more so if someone wants to do that they could do that

[26:41]you get your money you take out the 20% and you put

[26:42]it aside and those people who do that their faith in Allah

[26:49]subhana tala is very strong because at the end of the day

[26:52]where does our income come from where does our money come from

[26:57]who gives us Allah right it's Allah who gives us so you

[27:02]think God if I'm giving back to Allah Allah is going to

[27:07]keep me hungry of course not but this is one of the

[27:09]ways that we have to strengthen our Iman and Faith but Allah

[27:14]says no sometimes you might need the money so you could either

[27:17]pay it right away or you pick a date and that date

[27:22]you give on it the next year postpone it until the end

[27:27]of the year having deducted all allow expenses for that year for

[27:32]your income so you deduct your your bills you deduct your expenses

[27:35]your your loan that is deductible and whatever you have to take

[27:40]out you take out and then you see the Surplus so say

[27:45]for example I have $20,000 in Surplus but then when I come

[27:49]and I calculate my loan I calculate my expenses I calculate I

[27:53]have to give this person I have to give that person I

[27:59]have only $1,000 left so Allah wants me to spend on whatever

[28:02]is necessary then give hums on whatever is the Surplus you would

[28:06]then pays on the remaining amount on your Surplus income the date

[28:11]of yours payment can be based on either the Islamic or the

[28:14]Gregorian calendar so you could pick a Islamic date the first of

[28:17]muharam the first of Ramadan or you could say on my birthday

[28:22]January 1 whatever pick a date and then you write down that

[28:27]date and you give HS on that date okay so now go

[28:30]to the next slide please okay so this is kind of a

[28:37]um a slide an image to show a person how to calculate

[28:40]the so there are four steps step one at the end of

[28:48]their year see what your Surplus income is go and calculate all

[28:53]your money some people they come they have a bank account here

[28:56]stocks here a bank here whatever property here Investments here you go

[29:03]and you see all the Surplus and you put it all in

[29:07]one basket don't even if you have it divided in different bank

[29:09]accounts one person came and he told me I have a savings

[29:12]and I have a checkings and I have Bitcoin and I have

[29:13]this and he tried to take out thees for each one told

[29:18]him this is very confusing go and get all of your money

[29:22]your assets how much is it worth put it all in one

[29:24]calculate it all together and then take out thees from it so

[29:29]Scholars they say anything extra how many of us have clothes that

[29:38]are hanging in our closet for over one year and we have

[29:41]not worn them okay I see several hands actually I see everyone's

[29:47]hands so what does that mean that means that that item if

[29:54]I did not buy it with M money or that item now

[30:00]it has become extra I bought it or it came to me

[30:05]as a gift and I never wore it or I used to

[30:08]wear it then I stopped wearing it for over a year now

[30:10]applies on it applies on it because it has value right has

[30:17]value whatever value maybe when I bought it it was $40 now

[30:20]it's worth $5 you take the market value today who knows what

[30:26]the market value is you estimate if you were to sell it

[30:28]right now how many how much would the shirt be worth probably

[30:33]not much maybe it is worth a lot some people they have

[30:35]collector's items you know I know I know one person he told

[30:41]me I have about 50 new shoes whatever Nike Adidas whatever comes

[30:44]out they go and they buy it and he wears it once

[30:47]or he doesn't wear it and he keeps it he says the

[30:48]value of it goes up some people they have cards anything that

[30:53]has value if value goes up or down you go and you

[30:56]look at the value of that thing and you add it to

[31:00]the value of what your Surplus income is yes only on the

[31:19]2,000 you only pay on the 2,000 because you've already paid on

[31:23]the 8,000 the 8,000 is pure money M money the the next

[31:29]two 2,000 that you got are not M money it's new money

[31:34]so then you you pay on it and then you whatever is

[31:37]left the 45th you you you add it in The Mamas bracket

[31:43]yes sister you're allowed to give it away yes but you don't

[31:46]need to give it away you only take the value of it

[31:50]one one fif of it and then it becomes your then you

[31:51]could keep it in your closet hanging for another 10 years whatever

[31:56]you want so some women they have their brides dress you know

[31:59]they don't want to get rid of it they keep it thinking

[32:04]that they're going to fit in it later on so no offense

[32:07]we don't have anyone that suffers from that so we so so

[32:13]here they they they keep it hanging and they think this is

[32:16]going to fit them or this is they're going to wear it

[32:19]one day on their 10y year anniversary or something like that then

[32:22]you have to go and see how much that's worth and you

[32:26]have to give the on it so you take everything that you

[32:29]own you know I remember Scholars they they even say for example

[32:32]someone might have a cologne or perfume and how much is did

[32:40]you use it the whole year I go through cologne in two

[32:46]months some people they keep it they go through cologne in two

[32:49]years so if whatever is left what whatever is left in that

[32:55]how much is it worth if you were right now to go

[32:57]and sell half a jar a container of for example the best

[33:04]type of cologne out there you go and you see how much

[33:06]is it worth okay that has value right does it it has

[33:11]value it's not zero whatever value it has you add it to

[33:16]the money that needs to pay on so what I usually do

[33:18]it gets overwhelming so what you do is you look at your

[33:23]cash you look at what do you have and then you could

[33:27]kind of estimate go and look at my closet okay how many

[33:29]outfits do I have that I not that I have not worn

[33:33]how much are those worth okay I don't know maybe $50 maybe

[33:36]$100 okay let me just add in $100 too you pay 20

[33:41]the of $100 is just $20 so I say okay and I'm

[33:47]going to look at my colog and whatever I have that has

[33:49]value how much would if I were to sell this out how

[33:53]much would I sell it even if I add $500 that's only

[33:57]$100 but then everything becomes so you come and you estimate you

[34:02]estimate and if you whenever you're estimating say maybe it will be

[34:09]$100 or maybe it will be $200 that's where I'm kind of

[34:12]I'm in between those which number do I choose the lesser the

[34:17]Lesser because that's what I'm certain about I'm not certain about the

[34:20]200 but I'm certain it would be $100 so therefore I say

[34:22]okay I'll say $100 so that's step number one what's step number

[34:28]two Okay add the resale value of any unused item we already

[34:33]mentioned that so how much would those so so first you take

[34:36]your income and then you take unused items now you minus the

[34:43]amount of any left over after you paids last year so last

[34:46]year so now I collected everything that I have I saw that

[34:52]I have 10,000 I took the money the the the stocks the

[34:55]clothing the little pieces of what ever I have left and I

[35:00]saw that it's all 10,000 but last year when I paid I

[35:06]had I also had 10,000 last year but then when I took

[35:12]out the when I took out the I took out 2,000 8,000

[35:17]of it is so now I say What's the difference between last

[35:20]year last year 8,000 was pure this year I have 10,000 so

[35:25]that means I only pay on what 2,000 I only pays on

[35:28]the 2,000 so you basically divide whatever that number is that Surplus

[35:33]you divide it by five and you get your you get your

[35:39]ums yes sister so you guess if you were to sell it

[35:47]on on eBay Amazon Facebook Marketplace how much would it be sold

[35:51]for you say okay maybe it will be sold for $10 or

[35:56]the maximum is $20 which one do you pick no you pick

[36:01]the 10 you pick the lower we just you pointed down but

[36:03]you said the higher number so you pick the lower number whatever

[36:08]you're certain about because you're not certain it would be 20 but

[36:12]you are certain it would be 10 yes yes you could technically

[36:21]do that but it has to be actually wearing it not like

[36:24]okay let me just wear it one second and then no it

[36:27]should be counted as I wore it once and you see a

[36:31]lot of people because I don't want coms to be on it

[36:35]I just go and I wee it one time one time you

[36:36]know like half an hour sitting out with the family something like

[36:41]that where it's considered an actual wear yes next slide please okay

[36:46]so now I need to give when I take out that oneth

[36:51]what do I do with that 1th that 1 that 20% I

[36:57]could either go give it to a scholar a scholar that I

[37:01]trust a reliable scholar and they'll know what to do with it

[37:04]and I tell the scholar you give it to the m or

[37:07]you give it to the of the and they will know what

[37:11]to do with it you tell them this is my whole money

[37:14]but the it's divided into two shares there is one s one

[37:20]share is the share of the IM and there's another share that

[37:27]is the share of the SS B has now I'll explain to

[37:31]you in a from in the of the verse that we read

[37:41]the the one one share goes to God and the prophet and

[37:50]the family and the orphans and the poor and the one who

[37:57]is lost they've lost their money so basically it's six shares according

[38:01]to the Quran is divided into six shares guys can you listen

[38:09]it's divided into six chairs so the IM he says the of

[38:17]God who does it who does God take money from me no

[38:21]who do I give the to during the time of the Prophet

[38:27]God's share I give it to Al after the prophet and then

[38:32]he says the of God and the prophet goes to who who's

[38:35]the representative of during the time of the IM the IM IM

[38:42]Ali IM Hassan IM Hussein right now IM Al M okay so

[39:04]basically so basically IM is saying the is divided into six parts

[39:13]right the share of God and the share of the prophet and

[39:17]the share of the family of the Prophet this is considered this

[39:22]goes to the Im so I need to give it to IM

[39:26]Al Mahi okay then and the orphans and the poor and the

[39:41]one who has lost their moneyam he says this is not any

[39:47]orphan not any poor person not any person that's lost their money

[39:50]this goes to the family of meaning the chair so this is

[40:00]why to kind of simplify it to break it down there is

[40:02]one share that is for God that is given to the prophet

[40:06]since the prophet is not here it's given to the IM that's

[40:07]called the share of the Imam IM and then there's another share

[40:12]that is given to the orphans and given to the poor and

[40:16]given to but because of the Hadith of Imad he says that

[40:18]needs to be given to the family of the Prophet that means

[40:22]this is given to Beni Hashim it's given to the SS so

[40:26]now when I take out 20% when I take out 20% say

[40:32]I had I had $1,000 of surplus how much did I take

[40:39]out 200 okay 200 800 is mamas it's pure I leave it

[40:47]I took out 200 that's my but the is divided in half

[40:52]half of it is the share that goes to the IM and

[40:57]the other half is the share that goes to the say so

[41:00]the share of the Imam who do I give it to right

[41:03]now do we see the Imam so who who does it need

[41:10]to go to it goes to the representative of the Imam the

[41:14]mar the scholars the they know how to spend it and in

[41:21]our area in in our era excuse me the imams and the

[41:26]the mar what do they do they give permission to mosques to

[41:30]places of worship to places that Advance the cause of Islam places

[41:34]that that Advance the cause of IMI places that will make the

[41:40]Im happy with us they come and they give IM and that

[41:44]over there s just because I'm a say do I qualify to

[41:48]receive the S no it goes to the ones who are in

[41:54]need of the say so say for example I'm a say it

[42:00]but I'm not in need I'm living a comfortable life I'm I'm

[42:03]I'm comfortable I don't have a problem I need to give my

[42:09]to the say that's in need the say that is that is

[42:15]barely making it now yes say for example I'm a say but

[42:17]I do have need I have a big family I have you

[42:20]know needs here and there and I need to spend and I'm

[42:24]not covering my expenses then I could take from Sam but if

[42:27]I have enough then I cannot come and use that that share

[42:32]so this is why it needs to be given to the say

[42:33]that's so basically what a person could do is oh oh someone

[42:39]might come and ask me wait that's not fair why do I

[42:41]have to come and give it to the SS are the say

[42:46]special I mean yeah we are special I'm just kidding no in

[42:52]the eyes of Allah we're all equal but yes there is a

[42:55]only in terms of the only in terms of the why is

[43:01]that because remember we talked about zakat last week can a say

[43:08]take zakat no say does not take zakat so remember we talked

[43:13]about the zakat the say does not take zakat because the say

[43:16]does not take zakat the say takes from the and this is

[43:23]some type of rule that Allah subhana wa tala has made so

[43:27]there's the share of the Imam and the share of the S

[43:32]so the share of the Imam if you have you either give

[43:37]it to the you give the whole thing to the the will

[43:42]give the their share and the IM their share or if you

[43:45]know a say you don't need to go and give it to

[43:49]the m you could go and give it to the say yourself

[43:50]as long as that Sayad is in need as long as that

[43:54]say is is um basically they they status of living is not

[44:00]above average they're living an average life or below that then you

[44:03]could give them yes so here like for example this Center yes

[44:13]it accepts IM from the share of the IM because this is

[44:19]the type of money if IMI was here would he want to

[44:24]advocate for a cause like this Shah yes as long as you

[44:25]see a center you see an organization they're not doing anything they're

[44:29]promoting the cause of Islam this is what to but for I

[44:35]can't put on this Center this needs to go to say in

[44:40]need so that's personal so people for example people they come and

[44:43]they give me the I take the and I put it here

[44:48]and we give it to say in need you you find say

[44:51]are in need you distribute it to those who are in need

[44:53]yes so it's divided into two shares okay can you can you

[44:59]go to the next slide okay so someone might come and ask

[45:02]what's the impact ofs the impact ofs is huge it builds organizations

[45:09]that promote the cause of Islam Islamic seminaries right now in and

[45:14]Naf theas how do you think the howas keep the students going

[45:18]and they give them when when people go to the hza they

[45:23]don't pay tuition they get paid to go to the H basically

[45:25]they get paid something very basic that supports them supports their basic

[45:29]life they have to be living a basic life if you're living

[45:32]a very extravagant life then no they won't give you but uh

[45:36]it builds Islamic seminaries mosques schools maybe for example there's a school

[45:41]you have a school that would educate people about Arabic about Quran

[45:45]about the laws of Islam so this is something that money would

[45:50]go um it supports any need that the Imam deems important so

[45:54]if the Imam were to see something to be important the IM

[46:01]gives from IM one thing very important and this is the last

[46:04]point I have it gives sh Scholars Financial Independence to not be

[46:09]controlled by governments see right now in the Sunni world the the

[46:15]IM that leads the jum prayer they take their sermon it needs

[46:19]to be signed and be okayed by who by the government by

[46:25]the king they tell him you talk like this and you you

[46:27]don't you don't talk like this this is why today you have

[46:31]why are many Muslims why are they quiet about Gazza why are

[46:33]they quiet about the oppression why are they quiet about what's going

[46:38]on because their rulers their kings do not allow them to speak

[46:41]they tell them we're giving you your salary you be quiet you

[46:44]have no you you tell people what we tell you to say

[46:47]and this is this is since the time of bani they came

[46:51]and they try to control the the clergy and control the imams

[46:55]and control the scholars basic basically you we're giving you your salary

[46:59]you say what we tell you to say what it has done

[47:05]is it has given the scholars the mar Financial Independence when you

[47:10]give yours you're not giving it to the government you're giving yours

[47:13]to The Scholar you're giving it to the organizations and the the

[47:20]the scholar he feels that he does not need the king he

[47:23]does not need the Amir he does not need the president to

[47:26]come and receive his salary they can't come and tell him okay

[47:28]we're going to cut your salary because he has Independence so therefore

[47:34]you've seen throughout history the scholars of the Shia they always speak

[47:38]out against oppression they have that bravery they have that strength and

[47:42]this is one of the reasons is because of the the it

[47:45]gives Financial Independence to our Scholars so this is um this is

[47:54]the end of the slide that I have done and um we

[47:56]will we will um we will continue inshallah with another session but

[48:04]just to answer some of the questions because be uh he says

[48:21]what's the difference between a dress that is worn for an hour

[48:24]or or the wedding dress that that you wear and and your

[48:28]remain we're talking about you wear it during that year so you

[48:32]wear a wedding dress on your wedding year that applies then you

[48:35]go to the next year now for example say the my wedding

[48:41]was January 1st I wore it January 1st now that year I

[48:46]don't have to pays on it because I wore it but next

[48:48]year when the date comes I have to wear it again so

[48:52]so that would not apply on it but if I don't wear

[48:57]it again then would apply yes no so if you have stocks

[49:13]the day of thees stocks are due on it you just need

[49:15]to get some liquid liquidate some of your money or you use

[49:19]the money that you have in the bank account how much are

[49:23]my stocks worth my stocks are worth $100 I come and I

[49:26]take out or or the The Kuman is $100 I take out

[49:29]$100 and I give then that's a that's something that's due on

[49:37]you some people they sell some stocks so that they could pay

[49:40]their homes well you you either sell it right now or that's

[49:52]something that's due on you that's a debt so you write it

[49:56]down that this is how much I need need to give yes

[50:11]sister if you gave it to them then that's a use yeah

[50:20]so it is being used now yeah it is being used yes

[50:29]gold and jewelry yes yes if you have if you don't wear

[50:34]it if you don't wear it if you if you do wear

[50:38]it at least for an hour or so then then you don't

[50:43]have to pay on it yes unless it was it was given

[50:47]to you as a Mahar it was given to you as a

[50:50]dowy or it came as an inheritance then it does not apply

[50:52]but if you bought it with your own money then yes would

[50:56]be due on it okay the brother also asked um to repeat

[50:59]the for someone who has a mortgage on the house so basically

[51:05]what you're supposed to do is calculate all of the Surplus that

[51:08]you have look at your stocks look at everything that you have

[51:11]collect everything and put it in one bracket write down that number

[51:16]and then you go and you look at all of the loans

[51:17]that you have what the loan of the house that you're using

[51:24]we're not talking about loan of an investment property that one you

[51:28]still have to pays on it but the loan of a house

[51:32]that I'm using or car that I'm using this one it deducts

[51:35]from the so say I owe I owe $100,000 and this year

[51:41]what I needed to pay was also $100,000 so they cancel each

[51:45]other out but the next year because I already use that $100,000

[51:51]I canceled it out the next year I would have to pay

[51:52]even if I didn't pay pay off my loan so basically Bally

[51:57]you keep you keep counting how much you owe versus how much

[52:01]is your Surplus and if your Surplus if if what you owe

[52:07]is more than the Surplus you don't pay until your Surplus becomes

[52:10]more than that which you owe that's it it's a simple as

[52:18]that yes um if you feel like I did not answer properly

[52:20]you could unmute yourself and ask the question SO3 okay i000 i000

[53:37]is yes exactly exactly next year exactly exactly exactly correct you got

[54:16]the idea yes so basically you consider that you've paid it towards

[54:20]your loan so the next year you just deduct it from that

[54:25]loan so you even if you did not pay a single towards

[54:27]that loan but since you deducted from the of it you you

[54:31]can't use that double no double dipping basically you can't use it

[54:34]you can't use it twice you you've deducted it once and you

[54:39]could deduct from it once that's it whether you've paid your loan

[54:42]or you haven't you've already deducted that amount so you minused from

[54:47]the from the share of thees yes you got you got the

[54:52]idea yes so you you basically consider that you've paid you consider

[55:12]yourself as if you've paid yes so you basically just put the

[55:18]same like this year would not apply to you because you did

[55:23]not make more than what you made last year for example your

[55:25]you you said last year you had paid this year you said

[55:30]anything above $8,000 I'll paysan this year now your number is below

[55:34]$8,000 so you don't pay hes that year yes yes Ali can

[55:43]you pay for that loan so it depend um for examp yeah

[55:54]you could as long as as long as you you're not doing

[55:56]it twice price for the same money for example the loan is

[56:02]$10,000 I deduct 2,000 here now it's at $88,000 then I could

[56:05]deduct from it until the loan goes below what I have yes

[56:11]okay so does anyone have any questions okay

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5- Furu Al-Din Course - Khums - Sayed Saleh Qazwini

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5- Furu Al-Din Course - Khums - Sayed Saleh Qazwini

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