Assalam alaikum

May the peace and tranquility be upon you.

This is a new business model we are trying.

On one hand we want to spread the message, on the other hand we need to sustain the effort.

So we are trying this mix model of both selling and sponsorship.

Our sister company HalalBucks.com is a for-profit company, but we at LivingHalal want to make their content available for free for Dawah purposes.

The agreement that we worked out is if we get the cost covered, plus a one time 10% profit (one time only) they will make the material available on the Internet (for free forever for this recording).

So, if you believe in this cause of eradicating interest/Riba and providing Halal alternatives. Buy this recording for $7 (59% discount over the original price of $17) or even give more as a sponsorship.

May Allah reward you for everyone who benefits from this material.

-LivingHalal

PS1: If you are not 100% satisfied, simply come and “unjoin” the campaign.

PS2: If you are satisfied, please post a comment so others can get a preview of what’s in the recording.

Goal: To invoke Allah’s mercy with your little contribution

How? You want to raise $1250 to fund the design work of 4 teacher study guides to be published for Muslim schools. (more details click the link at the end)

So, why YOU and why NOW?

1- You are maximizing your rewards by giving NOW, how?

A man came to the Prophet (SAW) asking him which Sadaqa gets the greatest of rewards. The Prophet said, “The one you give and you are healthy, stingy, worrying about poverty, and hoping for richness. And don’t delay until your soul is about to get out (death) when you say, ‘Give such and such to such and such.’” -Collected by Al-Bukhari/Al-Jamia’

2- You are giving for a lasting projects that will bring you continious rewards, in-sha-Allah, every future print of these study guides you get rewards.

3- You are not helping a lazy dude who opt to beg, NO, this sister didn’t ask for help, but the community recommeded HalfDate to help her. She had TWO HEART ATTACKS, yet, ma-sha-Allah still serving our community. http://islamicfictionbooks.wordpress.com/2008/05/30/focus-on-muslim-kids-not-me/

4- You are helping a business business that is “technically” running on a non-profit basis, the owner gives the authors all their royalty rights, and gives school teachers 40% discount

5- You are TESTING your iman by giving to a stranger who you don’t know much and maybe even skeptical

http://halfdate.com/2008/05/08/sisters-drive/

This magazine sounds just like LivingHalal

Do you want to earn some rewards without having to put the efforts in setting up a magazine on your own? Simply, spread the message, subscribe for the magazine, and share the articles with friends and families.

Want to subscribe for free? Email us.

Disclosure: After finding out about SISTERS magazine, we have signed up for their affiliate program and may promote them in the future. This way, so we can support the on-going cost of LivingHalal programmings. May Allah help us all.

Help yourself and help SISTERS

You can also sign up for their affiliate program click here

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Question:

Salaam alaikum,

My father has spent a considerable time convincing me that it is important to get car insurance which has a high dollar amount protection for bodily injury. For example, you can get like 100k, 200k, 300k, 400k coverage for bodily injury when you buy insurance. This is the most important according to my dad, because right now my dad’s brother is in a law suit with some motorcyclist who was injured when my uncle’s wife crashed into him. This lawsuit is set to be pretty heavy financially on my uncle. My dad told me that if you are making a descent salary in life, people are very eager to sue you so they can drain you of money for years to come.

Therefore I began pondering is it appropriate to consider buying bare minimum insurance PLUS 200k-300k bodily injury? I am confused because it seems like a big risk even though insurance is not allowed [haram].

Answer:

Wa alaikum assalaam

Your father is right about the risk. We live in a system, where lawyers/insurance sell fear, and crooks and their lawyers embezzle hardworking people.

Insurance, however, is just a fake solution.

There are many similar stories like the one of your uncle’s wife. I know a corporate CPA who got involved in an accident and the other party was at fault. The CPA forgave her, but after several days that woman sued the CPA. The insurance company did pay after a lengthy process but it also cancelled the CPA’s insurance after the law suite.

So what would you do in that case? Spend even more on insurance?

Commercial insurance is just an illusion and not worth it (even from a pure business sense without talking about halal/haram). Say, if you buy a new car, lots of Muslims will tell you to buy fullcoverage, because your car is new. But chances are, even full insurance is useless, because when you scratch your car, it’s below the deductible. Again, that’s how insurance industry designs their policies to maximize their profits.

Commercial insurance is not set up to help consumers, but it’s there to make money. So, when you as a customer costs them a loss, they will try to get even by increasing your premiums or cancelling your policy.

As for the risks that they use to convince you to buy their service, there are endless risks out there, and if we keep thinking about them, we just go nuts.

Allah never said there are no risk in life. That’s why Islam is not just a set of codes of halal and haram. Islam tell us that gambling transactions (speculation) like insurance is haram, but on top of that, Islam tells us that Allah is the protector, Allah is in ultimate control, and that whoever leaves something for Allah, Allah will compensate him with better options.

So, my advice is not to argue with your father. He is not the first or the last who will tell you to get more insurance.

As Muslims, if you want a halal practical solution, donate that money (if you want) and pray for protection. Even if you get into troubles, (God forbid someone trying to embezzle you), all your mental and financial losses are compensated by Allah in this life or in the hereafter.

So, let’s show some faith in Allah, by doing halal and avoiding haram.

“And whosoever fears Allah and keeps his duty to Him, He will make a way for him to get out (from every difficulty). (At-Talaq 65:2) And He will provide him from (sources) he never could imagine. And whosoever puts his trust in Allah, then He will suffice him. Verily, Allah will accomplish his purpose. Indeed Allah has set a measure for all things. (At-Talaq 65:3)”

Hope this answer helps and Allah knows best,

PS: Some states require liability insurance, if that’s the case, Muslims are buying it out of necessity (being forced).

Tags: insurance halal haram.

This is a nice story by NPR.
Muslim Liquor Store Owners Face Criticism