 السلام عليكم ورحمة الله وبركاته. أردتكم إلى إحكام SOS to show that discuss Islamic duties and practices by His Eminence the Grand Ayatollah Sayed Saadiq. شراعزي حفظ الله. I'm your host Mosin Shah and joining me is شيخ علي مقارس. السلام عليكم شيخنا. السلام عليكم ورحمة الله. كيف are you? ماشاء الله. شيخنا, the last couple of episodes our conversation has evolved around خمس and paying for the different categories and how to pay for the homes, when to pay for the homes. The question I have in regarding of paying خمس is that do we actually have to give a fifth of the item itself or the value of the item? For example, maybe I have extra rice, surplus rice and flour. Should I give 20% of the actual rice and flour away as خمس or should I give its value as money and give that as خمس? شاء الله. عوض بالله السميع العليم من الشيطان الرجيم. بسم الله الرحمن الرحيم. الحمد لله رب العالمين. وصل الله على محمد واله الطيبين الطاهرين. اللهم صلى الله عليه وسلم. In the situation, yes, you have two options as you've mentioned. You either can pay from the item itself. So if it's rice or flour, you take the weight of that. A amount in which you pay as خمس from that flour or rice. And you give it to the margin or the rep. However, you can also pay the value of that rice or flour or whatever else it is. And you pay cash or, in other words, you pay it to the right person. So you have two options. It's more convenient to the individual. And when it comes to paying خمس, do I have to pay it in one go or can I give monthly installments? You're allowed to pay them monthly, but it would be a lot easier if the one sticks to the date of the خمس every year and then takes out the one-fifth or the 20% of the annual surplus left over from his wealth. Because monthly would make it a bit difficult that you try to calculate your خمس every month what is left, for example, and so forth. And then you pay them every month. It's just to make things a lot easier if it's done annually. To break down your خمس payments if they are annually and you can't pay them another way is to pay installments but it seems to be that it's better to ask the مرجع إجازة because now you're delaying the payment of the خمس, the annual خمس. When it's reached the date, the due date in which you have to pay the annual خمس, you must pay it straight away and you pay the whole amount. But sometimes you have issues, let's say, financial issues, other payments you have and the خمس is not to do with cash, with money it's to do with the assets and the belongings. So to be able to pay them, you need money from somewhere else to recover and pay the خمس of these items which you haven't, let's say, used, for example. In this case, you take the إجازة من مرجع and then you break down the خمس monthly and it requires the إجازة as I mentioned, that permission. شخنة, what happens or what is one to do when they are preparing to pay the خمس they've calculated the خمس, they've got the money collected and ready now they're on their way to deliver the خمس money to who they're supposed to give it to and they get robbed, God forbid, this happens to anybody but your خمس money gets stolen is that person still liable to pay the خمس money or not? as long as you have paid your خمس and the خمس reached the مرجع or his representative then that's it there's no issue with regard to worrying about if it's reached or not reached you've given it to that right person that's fine, that's it you've done your obligation and duty however, as the sage mentioned that you will not have fulfilled your obligation if this money was not reached to the rep or the مرجع himself you must make sure that when it comes out of your pocket this money or the item of the خمس you must make sure that you give it and you hand it over to the representative or to the مرجع himself or to the person you trust somebody who was appointed by the مرجع to take out the خمس and the cut and so forth so without being able to deliver this amount to the مرجع now if it's lost or stolen then the individual will have the obligation of paying the خمس again I mean there's no way you can get away with it this is حق الله سبحانه وتعالى and حق الإمام عليه السلام so you have to make sure that this is paid to the مرجع of his representative the one we trust and to become and make your wealth pure and be able to continue your trade and buying and selling and your expenditures for the next coming year so it is an issue to be honest you must be able to achieve and make sure that you have given the amount and reached that individual the one you trust in which they will be in charge in taking your خمس I understand God forbid it happens to anybody but I know back home in my home country they say if someone steals your money or pickpocket or something don't worry about it it's صدق they used to say it's صدق don't worry about it شخنا let's say there's an individual who has a shop and rents a shop hasn't paid خمس before doesn't pay خمس but now he decides that I want to start paying خمس where does one actually begin to calculate where should he start from calculating how to pay his خمس for such individuals they have to do two things number one they have to first if they haven't set date for the خمس payment so they set a date during the year they choose a date in a month and they set that date and they go and calculate all their wealth you know their business their dwellings whatever they own and they try to figure out how much they have the second point in the stage they go to the مرجع or it is representative the trustee one in which they will come to a settlement an agreement with the مرجع or his rep with regard to the payment of the خمس how much they have to pay they have to pay the whole amount or part of it in which is known as the مصالحة so they come up with them to a settlement in which how much they have to pay and that will be إن شاء الله خير and بركة and a blessing for the individual who pays the خمس الله will sustain this person more and more and as I've mentioned the previous I think in the first episode about that the خمس brings sustenance more and more purity to the one soul and purify him from his sins so it is all خير and بركة and blessing and mercy and forgiveness for the one who tries his best to pay the خمس ما شاء الله شرخنا if an individual has never paid خمس in his life and this person now passes away I mean with the inheritance how is that to be distributed that you know is it are we supposed to take the خمس out before we start giving distributed inheritance or do you know it doesn't matter because there's inheritance there's no خمس on inheritance there's nothing to pay what about the inheritance if the one has never paid any خمس in his lifetime and he dies passes away the first thing they have to do is to take out the خمس from the total sum of inheritance when that خمس is taken out and the money and the worth becomes pure now then they can actually spread the cost or the the inheritance to those who are eligible to receive the inheritance otherwise there'll be a problem with the خمس with this person he's never paid خمس in his life so do we calculate خمس you know for this whole life or it's just the 20% of what's left over no whatever he spent he spent it's gone now what he has is his let's say few buildings few cars these are the leftovers we calculate them how much they worth and then we pay the خمس out of these dwellings and assets and properties and then we can give it to the inheritance whoever they are and spread between them so that's the most important thing is to purify the money the wealth first so it's really with what's left over yes not what was previously owed no because as long as it's difficult to calculate and I'm sure a lot of people want what's due to them and again of course this is could be referred back to the مرجع as well yes for more details because there might be some issues in which the one hasn't really looked into so you might have a settlement for example and so forth so basically it's to go back to the مرجع and to raise the issue there شكرا we live in 2019 now and you know migration and Muslims are living rather than further away from what we call the heart and the hub of where the religion started from and sometimes it can be difficult to find حسانية or find an Islamic centre so for those people who live in really remote areas or areas where there's not really a big Muslim community and there's no access to a مرجع or to any form of paying your home's money what does one person do then if you know he's calculated his home's he's ready to pay but it's difficult for him because there's no like legal representatives of his مرجع there there's no access to you know someone I mean does he go online does he pay online does he you know send the money by mail what about can he give the money to charities maybe he's there's family members that you know require money maybe he could give it to them how does it work for such a person well if we look through the narrations of the time of أهلبيت عليهم السلام for example we see that they had such such scenarios and situations where the Imam is for example in Medina and the one who wants to pay the خموص is in خراسان in Afghanistan for example in other remote areas of from the Islamic state and the cities and so forth in this case they used to for example appoint somebody who goes let's say every six months for every year to the Imam عليهم السلام and he used to take the خمس in bags in coins for example in that time and travel all the way could be taken few months to reach the Imam عليهم السلام and pay him the خمس how happen now with the technology and the latest developments in terms of money transfer and so forth it's now a lot easier to transfer money to one point to another point in the world and they can easily contact the rep in let's say in America or Europe or whatever they are or in Asia for example and try to come up with a settlement in terms of how to pay and how much to pay for example and otherwise if they can have access to the مرجع himself in نجف or qum for example that's even fine they can actually send somebody or parcel and so forth they can try to find a way in which they can send this amount of money and transfer it to the right destination and to the right hands of course you have no right to spend this money which is the خمس in any other causes unless there is a permission from the مرجع so you must gain and attain the permission from the مرجع to be able to pay this amount to other causes without permission you cannot use this money and utilize it you must take permission so if that individual and that person the مؤمن wants to spend there on his poor relatives or let's say his center or mosque for example they must seek permission from the مرجع himself to be able to spend that on their own causes شخص what happens in cases of like reverse so people who have come to Islam they must have like a backlog of homes that they haven't paid for so do these people do they have to calculate their homes from you know the age of 14-15 or is it as soon as they've entered Islam they can choose you know a date and the first year they will start their homes from that year exactly what you said they start fresh okay so they exempted from the previous exactly they start fresh and of course they have to check now that they are Muslim they have of course belongings assets possibly other belongings they have they own them they come with the مرجع as a settlement that I have these things I want to start their homes so they set a date in the year let's see in مضان or محر or رجب for example so they have a set date for the خمس and of course they come to a settlement with the مرجع with the of his rep that how much do I have to pay now now I'm a Muslim I want to start paying خمس I've got these things so it's the best thing is to contact the rep or the مرجع himself and to come up with a settlement so their own belongings at the moment and of course they have the date so they can start paying خمس on that date how easy and how simple isn't that for us to calculate and to pay Mashallah شخص my final question is in regards to prize money and sometimes we get involved in charitable raffles sometimes is voluntary redundancy companies pay out money so when you receive a large sum of money this is from a prize draw what we have from bonds and banks and stuff like that do we have to pay خمس on that and if we have to pay خمس do we pay it straight away or do we have to wait one year and what was left over 20% of the remainder if that prize draw was based on the profits from the bank to do with the profits and there are investments for example in this case he has to pay them immediately but if the price was just a price you know nothing to do the profits and the individual had the bank account with them for example for many years and now he's in a prize draw and he won the prize in this case that individual can wait till the due date of the خمس and if he hasn't used his price for example he does pay the خمس for it otherwise and which means if he has something like an actual a a place where the lines I think these you know here and where I orient what is Number 3 reacting or butterfly and