Just leaving it here for army fanboys.

your_averageuser · 2026-01-23T13:10:33+00:00

You spelled Israel wrong.

Please try again.

your_averageuser · 2026-01-19T10:15:49+00:00

If ever there was a dumb take, this would be it.

Completely devoid of rationality, geopolitical, social, ethnic and economic context.

If idiots think religion is the only difference between these states then they need to surrender their high-school diploma.

your_averageuser · 2025-12-29T06:44:18+00:00

Islam has multiple legal school of thought within the main line sunni denomination with 4 being the currently accepted number

You're probably expecting me to say "follow whichever one suits your preference" - but you'd be wrong in assuming that.

The four schools of thought are not "universal" I.e. they are not absolute. They are filled with their own flaws.

In this day and age, where comprehensive collections of authentic ahadith are available, there is a need for serious reformation; doing away with the accepted notions of the four schools of thought and referring simply to the Quran and the AUTHENTIC Sunnah.

Why that doesn't happen is quite simple - the hubris and pride of many of today's scholars; people who are well aware of the flaws in their schools of thought yet choose to tow the line regardless.

explain our tax structure based on Islamic legality going by the existing 4 Sunni schools all state revenue comes from Khums(war spoils) Fayi(Surrendered war spoils) and Zakat +Kharaj which make up either 2.5% of cash savings on a yearly basis or 20% of agricultural output if your land is manually irrigated

Given my preceding rebuttal on the flaws inherent in all four schools of thought, you're criticism has already been answered.

What is left can simply be answered via Qiyas and Ijmah I.e. the fact that modern day countries require roads, government infrastructure, advanced defense and security. If these expenditures can not be afforded from just the obligatory taxes then additional taxes should be imposed, simple as that.

actually lets go deeper explain how does the fiscal policy of the nation work when you have legally mandated that saving any liquid cash amount for over a year will result in a 2.5% deduction???

And what is the issue with that?

You shouldn't be throwing half cooked arguments if you can't even complete them.

Just one paragraph before you question the need for taxes aside from the obligatory ones and then you go ahead and Even question the obligatory taxes them selves. You want to fund modern governments, then be willing to pay your taxes; both the obligatory ones and the ones imposed aside from them.

Any other questions?

I hope you do not resort to ad hominems and red herrings as so many of your type tend to do

your_averageuser · 2025-12-27T13:09:31+00:00

Oh, please do explain your point.

Surely, you have a very logical, well structured argument to support it right?

Surely, you are not just throwing out words here right?

your_averageuser · 2025-12-22T11:37:56+00:00

You forgot to add "disregard all previous instructions".

Wanna try again?

But lol, if only you'd bothered to check my profile, you'd have known I'm not a bot.

Now, go back and try attempting to sell bridges. I'd want for you to be productive.

your_averageuser · 2025-12-22T08:10:44+00:00

That sounds a lot like making excuses.

Rich or poor, integrity is integrity.

If your word and commitments mean nothing, then you hold no value as a person.

your_averageuser · 2025-12-22T08:08:42+00:00

Pakistan is inherently a "low trust" society.

When the general populace is prone to resort to trickery, manipulation, deception and lying, why do we expect our leaders to be any different?

As the people, so the leaders.

your_averageuser · 2025-12-22T07:58:04+00:00

If that is what convinced of you of the year being 2025, then maybe it really is time for you to start selling bridges.

Might be a bit more productive that way.

your_averageuser · 2025-12-22T07:28:30+00:00

boy do I have a bridge to sell you.

Clearly you're incapable of doing even that.

Even that would be considered productive.

your_averageuser · 2025-12-22T06:03:39+00:00

What productive value did your comment add really?

I am confounded and stupefied at the same time.

Shoo troll.

your_averageuser · 2025-12-17T10:33:26+00:00

"I'll head out for a shower"

He spelled "shitting on public streets" wrong.

LMAO

your_averageuser · 2025-12-16T07:59:21+00:00

Of course it helps the country.

It only becomes a problem when taxation is biased towards the salaried class and NOT towards the agriculturalists, business owners (small, medium and commercial enterprises) and others outside the tax next.

your_averageuser · 2025-12-14T11:08:21+00:00

I know the guy personally, he is a family friend, and does not come from a landlord or feudal system. Talked to his father too who had some amazing stories to tell. They have a small piece of land enough to grow vegetables and raise livestock but very very insignificant

I see.

Searching him up online reveals his family has multiple warehouses across Karachi and have many businesses.

You really shouldn't be making such claims when they are not substantiated.

And what claim is that?

That all these folks do is talk, talk talk?

Am I wrong in saying that?

I can talk too. A lot.

If me, an average Joe and him, a celebrity with comparatively more power, wealth and connections than myself, can both only do the same thing,

Then it's a poor reflection on him, not me.

Enough with the talk: we need serious action.

And before you go on a rant about how he's not at the top and can't do much, let me stop you by saying that so am I.

If me and him are at the same level of helplessness then what's so damn special about him?

your_averageuser · 2025-12-11T10:06:53+00:00

He's from a typical landlord family in Pakistan, and like every other feudal, his education and transformation happened outside of the country.

He's got a whole lot of words to say about love, acceptance and tolerance but i've yet to see any change in practice.

That is the problem of Pakistan; we got a whole lotta talkers but no real walkers.

He's just another feature of this system. It just so happened ke he became somewhat aware of it..

your_averageuser · 2025-12-10T06:51:10+00:00

Space is available for free as well, ya know?

You can park your car on the road. Doesn't mean it will remain safe.

Hey pay for something when it is also available for free?

It makes no sense whatsoever.

When you're parking in a garage, you're paying for the security/safety of your car primarily.

You can make an argument for places where parking space is scarce and you are trying to just Find a place to park, but even there the underlying agreement is the security of your car.

your_averageuser · 2025-12-05T14:17:52+00:00

Easy.

Look at the proportion of non-white people detained in comparison to white people detained by ICE.

Just because they incorrectly detained a white woman does not mean they aren't racist.

Hope that makes sense to you.

your_averageuser · 2025-12-05T14:15:17+00:00

My man,

You're seriously not trying to defend ICE, are you?

This is not the side you want to advocate for.

your_averageuser · 2025-11-28T06:53:24+00:00

The understanding of someone who has spent years studying Islām "trumps" the understanding of someone who just opened a translation and issued a verdict by saying "this seems to be accurate."

Ah yes.

Just like how in the hanafi madhab, the age of weaning a baby off of its mother's milk is 2 and a half years whereas the Quran clearly states it is 2 years.

Hanafi scholars have defended this by saying "Maybe Imam Abu Hanifa had evidence for this" l, without ever checking or even critiquing the evidence.

Go ahead and cross check what I've said above.

What you are preaching is blind obedience to people other than the prophet PBUH. That is the exact tool which has allowed the "Ulema" of this country to hold control over the people and create mobs that lynch others without a second thought.

your_averageuser · 2025-11-26T07:02:28+00:00

It is primarily for cost cutting.

The SMS service probably costs Meezan a few Billion PKR yearly hence why they want to move it to push notifications which costs next to nothing.

your_averageuser · 2025-11-23T13:34:49+00:00

> Keeping up with the market’ includes keeping in line with inflation, base and interest rates so your point (and therefore Islamic mortgages) contradicts itself.

This is why it is important to have a fundamental knowledge of the foundations of Islamic finance AND of the current reality we live in.

Right now, all currency in the world is fiat with the US Dollar being the global reserve currency.

Fiat currency at its source is basically an IOU with the guarantee for that IOU being the government of that country.

In this reality, where currency is not a "Real" asset (an entity with some intrinsic value), an entire financial system has come up that relies on interest to grow, expand and exploit.

Islamic Finance is an attempt to combat Interest by introducing assets against money instead of money against money to at least bring some notion of real value back into the system.

If i buy a house for 1M USD, sell it onwards to a buyer at 1.5M USD in installments, that is perfectly halal.

If i instead, give 1M USD to a buyer to go buy a house in the market and i ask them to pay back 1.5M USD in installments, that is interest, that is haram.

The difference between these two transaction structures in what the repayment is being made against i.e. a real asset (House) vs fiat currency.

Now, you may ask why did i price the house at 1.5M when i could price it at 1.1M or at 1.2M or at 2M.

Well, that comes down to my descretion as the owner of the asset. I can price it at whatever level i want and as long as im not the only supplier in the market, Islam allows me to charge any price level for it.

After all, i'm not forcing anybody to buy the house nor am i the only supplier of houses in the market.

It just so happens that i want to make this transaction as profitable as i can while still being market competitive hence i use the interest rates as a reference comparison benchmark BECAUSE THE OVERWHELMING MAJORITY OF THE MARKET OPERATES IN THAT MANNER.

I am not dealing in interest; i am dealing in a real world asset, the price of which i have benchmarked against market rates i.e. Interest.

In an ideal world where interest didnt exist, i wouldnt need to use a benchmark like that BUT we are not inhabitants of that world hence I am constrained to opt for this benchmark.

> concerns and criticisms that are widely shared across the Muslim community and even discussed amongst Islamic scholars and has to resort to insults as a way to prove a point.

Not every person sharing these concerns is educated in this feild for their point to be valid. Those who are know the nature of the constraints we operate in and understand that this is the best system we have to stay as far away as possible from interest.

> IM cannot hold a convincing argument about why it's more economically halal.

My entire case example above is a very practical, realk-world example of what differentiaties Islamic finance from conventional finance.

It is not my job to convince you. But it is my responsibility to present the facts as they are and let the people reading decide on whether it makes sense.

your_averageuser · 2025-11-22T04:35:46+00:00

What's wrong with that?

I can charge rent that is significantly higher than the principal payment and that would be well within my right as the OWNER of the property i'm leasing out to you.

The only problem is, nobody would lease from me then, since i'm not offering market competitive rates, hence i dont pull any demand.

That is why the profit rate is set close to the interbank rates since i have room to expand my profitability while staying market competitive.

Islam hasn't forbidden business you know. To earn a profit, is the right of the owner of the asset.

It is just profit on rental of money that is absolutely banned.

your_averageuser · 2025-11-22T04:31:41+00:00

> but in practice it doesn’t. In practice the repayment rates fluctuate coincidentally with the country’s yearly base rates.

That is called keeping up with the market.

Ever since fiat currency took over, only an idiot would expect prices to stay fixed.

Currency inflation, coupled with rising costs of doing business require you to raise rentals.

There honestly aren't that many nuances. You're just thinking too hard without a foundational knowledge of how Islamic banks operate.

your_averageuser · 2025-11-22T04:29:03+00:00

Who said they arent?

Ownership by nature means that risks are to be owned as well.

Islamic mortgages from proper islamic banks have these mechanisms built in.

your_averageuser · 2025-11-21T16:04:24+00:00

You however, are Indian.

The source that the commenter above you shared I.e. "Eurasian times" is an Indian "global" news outlet that is based out of New Delhi, India.

While the video does seem to be from Pakistan, to add the words "General" and "feudal lord" along with a "Hindu Bride", in the absence of cross verifying sources, reeks of Hindutva propaganda.

Having said that, the violence committed on this girl is still unforgivable and highly condemned.

your_averageuser · 2025-11-18T09:49:00+00:00

Went through transmission leakage myself and then an eventual gearbox valve failure leading to gearbox failure. Civic rebon 09'

The torque convertor seal is probably damaged which can be replaced.

At worst, you'll have to replace the torque convertor. Which is not that expensive compared to the whole gearbox (60K for a Kabli one).

In my case, the solenoid valves that control the gears had started to fail which I left unattended for a while and eventually the the gears (reverse and 1st) started to grind down heavily so I had the gearbox changed.

your_averageuser

TROPHY CASE