Five Power Steps

By Ibrahim Machiwala

 Taqdir, meaning the absolute decree of good and evil by God, an idea with which the word is now indissolubly connected by the popular mind as well as thinking writers, is neither known to the Koran, nor even to Arabic lexicology. There is only one occasion in the Koran on which a derivative of taqdir is used to indicate the fate of a person. Speaking of the wife of Lot, the Koran says, “We ordained (qaddarna) that she shall be of those who remain behind” (15:60, 27:57). But even here it does not mean that God had ordained that she should be a doer of evil. There is mention here of an ordinance, which holds good in the case of all evil-doers that they should suffer the evil consequence of what they have done; she was not one of the faithful, but disbeliever, so that when divine punishment overtook the evil-doers, she was ordained to be with them.

The doctrine of predestination is of later growth, and seems to have been the result of the clash of Islam with Persian religious thought. The doctrine that there are two creators, a creator of good and a creator of evil, had become the central doctrine of the Magian religion. Islam taught the purest monotheism, and it was probably in controverting the dualistic doctrine of the Magian religion, that the discussion arose as to whether or not God was the creator of evil. This discussion grew very hot and many side-issues sprang up. All this was due only to a misunderstanding of the nature of good and evil. Imam Ali bin Abu Talib said, “This (doctrine of predestination) is a dark path, do not traverse it; a deep ocean, do not enter it; and a divine mystery, do not try and unveil it” (Nahj al-Balagha, saying 287). He also said on another occasion, “The meaning of qada and qadr pertains to commanding obedience and forbidding disobedience; the bestowing of power upon man to perform good works and renounce evil works; the provision of grace to increase nearness to God; delivering up the sinners to their own states; the making of promises and threats” (Bihar al-Anwar, 5:96). God created man with certain powers, which he could exercise under certain limitations, and it is the exercise of these powers in one way or another that produces good or evil. For instance, God has gifted man with the power of speech, which he can use either to do good or evil to humanity, either to tell a truth and say a good word, or to utter falsehood and slander. Similarly man has been endowed with numerous other powers which may be used either for good or for evil. Imam Jafar Sadik said, “Neither compulsion (jabr) nor complete freedom (tafwid), rather, something between the two” (Kitab al-Tawhid, 59:8). Hence the controversy, as to whether God was the Creator of good and evil, arose simply out of a misconception of the nature of good and evil. The same act may be virtue on one occasion and evil on another. A blow struck in self-defence or in defence of a helpless man is right, and a blow struck aggressively is wrong. Hence, evil is also called zulm, which means the placing of a thing in a place other than that which is meant for it, either by falling short or by excess or by deviation from its time, or its place. Thus, the use of a power in the right manner, or at the right moment, or in the right place is a virtue, and its use in a wrong manner, or at a wrong moment, or at the wrong place is a vice. The Koran, therefore, has not dealt with the question of the creation of good and evil at all. It speaks of the creation of heavens and earth and all that is in them; it speaks of the creation of man; it speaks of endowing him with certain faculties and granting him certain powers; it tells us that he can use these powers and faculties within certain limitations, just as all other created things are placed within certain limitations

Mumtaz Ali Tajddin S. Ali is an popular Ismaili Scholar, He has written many articles on Ismaili Imam, Ismailism, and Creation Of Good And Evil from Encyclopedia of Ismaili.

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Writing Off a Mortgage - Does This Help?

By Kirthy

 Filing bankruptcy is not a solution to pending loans or creditors harassing calls. You have an option to write off your loan legally. But make sure that you reach out to a genuine company which is backed by government authorities or any other government bodies so that you are safe and are carrying out all the procedures legally.

What do you mean by a write off of debts?

If you have mortgage dues and are unable to pay back your lender, you can see if your creditors agreement signed between you and the lender has any loopholes. If your loan was approved with out any proper documentation, you can prove it to be an unenforceable agreement. In other words this creditors agreement is invalid and no lender can claim any loan amount due. This agreement will be cancelled and the creditor is free from the clutches of the lender.

Who can help?

It is important to reach out to the right company which can help you prove that your agreement is unenforceable. Only if there was no proper documentation it can be proved as being unenforceable, not other wise. This company will see if there is any such loop hole. They should be backed by a Government authority.

What kind of finances can be covered under this?

Construction loan, car finance, insurance, unsecured loan, secured loan and consolidation loan and credit card debt etc can be covered and written off easily. This has come into practice due to the application of Consumer Credit Act 1974.

Soon after, your company has proved this loophole, the agreement between you and the lender no more exists. It becomes nullified and no lender can claim back the money from you.

For the business owner considering a commercial mortgage modification, an assessment of the company’s future, and the mortgage holder’s own goals can help in deciding whether a modification is the answer to your problems, or an exercise in futility. For some business owners, mortgage default and allowing the bank to exercise its interest in the security may be financially superior to the alternative of fighting to keep the business going. If your long terms goals do not sync with the mortgage modification plan, then even if you obtain a commercial mortgage modification, it is likely to fail sometime later down the road. Understand the pros and cons of it before you decide to take a move!

Kirthy Shetty, Expert Author. Information on Commercial mortgage: Commercial Mortgage

Get more information on: Investment Commercial Property

Mortgage Issues and How to Overcome Them!

By Kirthy

 Construction and commercial builders who had taken up building flats and rental apartment projects are experiencing a great financial loss. They are facing financial crunch due to which they are unable to pay the commercial mortgage loan amount to the bank and at the same time have halted construction work of these residential and rental buildings.

More over, home prices are 50% higher than before according to housing market index. This is posing a greater risk post 21st century. Land development owners and builders have not completed house construction and continue to owe a huge size of loan amount to the bank. This is approximated to $492 billion, which is a huge money.

Those sky scrapers, mall properties and other rental apartments are all on a stand still. Land developers are experiencing tremendous loss and few have gone up o the extent of filing bankruptcy, unable to repay mortgages. Some have even gone up to the extent of writing off debts. If you bank has given you loans with out proper documentation and your loan agreement is proved to be unenforceable, then the agreement can be nullified and no lender can claim any money that is due from you. The agreement if found unenforceable can be cancelled between the builder and the bank. You dont have to pay any loan amount to the banker. This is some kind of a debt loophole which has made few creditors slip away from the clutches of the lenders. Some of the companies which help you in finding out if your agreement is unenforceable should be backed by a Government Authority. Make sure, that the company you approach for proving if your agreement is unenforceable has to be a genuine one.

Real estate loans which were taken to build apartment rents, mall properties and store rents have been defaulting on loans and writing it off. All of these real estate issues will continue to cascade through the banking system right through 2012.

Find out the Cause of Your Cash flow Problem? As a business owner and a commercial borrower interested in a commercial mortgage modification, it will serve you best to identify when your cash flow problem began, whether it was from a) drop in business, b) increased defaults on your own receivables, c) an increase in other recurring expenses, d) a single event, such as a lawsuit or partner’s bankruptcy. This will help you from filing any bankruptcies further.

Kirthy Shetty, Expert Author. Information on Commercial investment property: Commercial Investment Property

Get more information on: Mortgage for Pub

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