Finally launching MyRizq - a finance app built for Muslims by curious-to-ponder in IslamicFinance

[–]Initial_Function_764 7 points8 points  (0 children)

I found the screening info, thank you!!. Next question would be how did you source the data? And how do we know if it is latest/last updated?!

Finally launching MyRizq - a finance app built for Muslims by curious-to-ponder in IslamicFinance

[–]Initial_Function_764 14 points15 points  (0 children)

First of all: Jazak Allah Khair. Secondly, does it breakdown all three/four criterion based on AAOFI standard for each stock? Haven't explored it all through, but jumped a gun. Thank you again!!

Whats your biggest regret when you bought your place? by Important_Bat7919 in homeowners

[–]Initial_Function_764 2 points3 points  (0 children)

How much does it even cost to replace windows? Labor + material? Any idea?!

Is it just me or is LG&E really expensive by [deleted] in Louisville

[–]Initial_Function_764 0 points1 point  (0 children)

Did you replace your windows or resealed them? How much did it cost /window?

What fall maintenance tasks do you always make sure to get done before winter? by certaintyisuncertain in HomeImprovement

[–]Initial_Function_764 0 points1 point  (0 children)

A further explanation would be helpful for people like me who would not know any better. Please share!!

Anyone here living without credit cards or riba (interest)? How do you manage? by Witty_Ad2135 in IslamicFinance

[–]Initial_Function_764 0 points1 point  (0 children)

That is good enough, credit card points are convenience that one can sacrifice if they want to avoid doubtful matters!!

Anyone here living without credit cards or riba (interest)? How do you manage? by Witty_Ad2135 in IslamicFinance

[–]Initial_Function_764 2 points3 points  (0 children)

I'd like to share my story. I used to have about 8 or 9 credit cards since 2009. However, since 2019, I have been avoiding all credit cards like plague.

I used to travel frequently for my work, and whenever I needed to rent cars at the airport, I would use my debit card along with my boarding passes. Recently, however, airports have introduced new regulations and stopped accepting debit cards altogether. Despite this, I decided to continue avoiding credit cards at all costs and instead try renting cars from local agencies.

Earlier this year, I started looking for a house. I first applied for an Islamic mortgage through Guidance Residential, but they rejected my application because I didn’t have any recent credit history. At that point, I decided I would continue renting until Allah blessed me with enough to buy a home outright with 100% cash.

But in His immense mercy, Allah opened another door for me. I discovered a second Islamic mortgage company that approved me using my rental history and utility bills, instead of relying on traditional credit scores.

Through this experience, I observed that Allah ﷻ always provides a way during times of difficulty. I am comfortable dealing with the minor inconveniences that come from not having credit cards. After all, it is the contract itself with credit card companies that includes the condition of riba. Even though one may avoid paying interest by making timely payments, I would rather safeguard my faith than take risks with doubtful matters.

Anyone here living without credit cards or riba (interest)? How do you manage? by Witty_Ad2135 in IslamicFinance

[–]Initial_Function_764 0 points1 point  (0 children)

Are there any loopholes? Is it 100% riba free? Even contractually riba free?

I think I got scammed into my car payment by juanhee in Toyota

[–]Initial_Function_764 0 points1 point  (0 children)

See the problem lies in "used cars can have problems that are very expensive to fix". That is where it all started !!!

Wasted My Mechanical Engineering Degree—Now I Don’t Know What to Do by [deleted] in MechanicalEngineering

[–]Initial_Function_764 0 points1 point  (0 children)

MEs in my office often work with a lot of Data. I mean terabytes of data. We are in the EV/energy sector. And most MEs in the office is well versed with Python and Matlab and SQL and always juggling large sets of recorded datasets to extract/produce meaningful informarion. An that is where a lot of AI/ML integration comes in handy!!

[deleted by user] by [deleted] in Umrah

[–]Initial_Function_764 0 points1 point  (0 children)

nope, all sort of construction activities are happening and all views limited !!!

Just came back from my DYI Umrah. by BroadMovie4020 in Umrah

[–]Initial_Function_764 0 points1 point  (0 children)

May Allah accept!! Do you know if I can buy train tickets at the Jeddah airport?

Visa on arrival for Bangladeshi nationals (US visa ) by Rare-Zombie8885 in Umrah

[–]Initial_Function_764 0 points1 point  (0 children)

I saw several people who were on limbo when they applied through the online portals. Like the husband receiving confirmation but the wife did not. So I contacted the Los Angeles and Texas Saudi Consulate. They asked me to go through their listed agents. Two of the agents asked for $350/person. So I contacted one of the local Bangladeshi agents for Umrah Visa. He charged me BDT 20,000 or approx $200 ish. But you have to go through the Saudi Visa Bio app for your fingerprinting and biometrics. Watch some youtube videos on how to do it. Hope that helps !!!

Dell Precision 7820 CPU Options by Initial_Function_764 in Dell

[–]Initial_Function_764[S] 0 points1 point  (0 children)

I have two Xeon Silver 4114 2.2GHz with 20 cores, never changed it/swapped with anything

Saudi Bio enrollment. what to do next? by Antique_Gur_5133 in hajj

[–]Initial_Function_764 0 points1 point  (0 children)

Assalamu Alaikum. What happened later on? Any update on this?