 عوض بالله من الشيطان الرجيم بسم الله الرحمن الرحيم السلات والسلام على أشرف الأنبياء وسيد المرسلين أب القاسم محمد المصطفى صلى الله عليه وآله وسلم وعلى آله الطيبين الطاهرين الغر الميامين المضلومين ولعنة الله على أعداءهم أجمعين من الآن إلى قيام يوم الدين السلام عليكم ورحمة الله وبركاته أحبت أخيين ورحمة الله وبركاته أنا أعلي برجي وإن شاء الله سأكون أخبار هذا الجديد جديد على إمام حسين تي بي called T3 تتوك and thrive إن شاء الله وإن معنا سوف نبقى على أشهر رمضان إن شاء الله سيد شبير كرماني from the United States السلام عليكم ورحمة الله وبركاته سيد محمد لله الحمد لله أنا أعنى أن أكون هنا معكم أنا أعنى أن أكون هنا معكم وإن شاء الله أريد أن أشهر لجميعكم الذين لم يكنوا معنا نحن نبدأ عن التوبيق والتوبيق في حولي منطة رمضان وإن شاء الله سوف نبقى أريد أن أتكلم جميعكم في أخر half of our program سوف نبقى من أحدكم الذين يريدون to join us يمكن أن يسألوا سؤال أو إذا كانوا يريدون to contribute to our conversations and our topic and the number will be available for you at the lower bottom of your screens إن شاء الله سوف نبدأ by just roughly reminding our audience of our topic which was discussed yesterday regarding development during the holy month and development in general but I know you wanted to focus today on the economic development in our communities إن شاء الله just a few words with regards to development and activism and how our communities can benefit and improve upon it إن شاء الله so it's a very good question a very important question in terms of development the idea being how do I create a society that is thriving and that's really a part of our show how do we thrive as individuals and as communities as large how do we uplift each other together, hand in hand and we said that the first component is we first إن شاء الله brings that beautiful opportunity to develop ourselves first and foremost and once we develop ourselves we can start to help others as well in that process the world has changed one person at a time now that doesn't mean that I just wait for myself to become perfect and then start trying to help others no that means that I start on the journey and I may be a little bit ahead of others in the journey and maybe I hold their hand or vice versa we go hand in hand and help each other I mean in terms of it's a continuous journey but when we talk about development we talk about how to have strong for example مسajid how to have strong Hussein how to have strong Islamic centers for example no let's think even bigger for example how do I have a strong community within my city and furthermore within my country and then further even at a global level how do we create this strong infrastructure well one of the components that you need you need several components but one of the components that we need is economic strength and development and if we go back to the history of Islam we saw these components when Islam was being developed in its initial phases that Rasool Allah the Holy Prophet himself he brought this mission and he put it forward to the world but he first established his character to such a level that no one could deny it that Rasool Allah as our respected viewers know and you are aware as well he stood by the mountain he said if I told you there was an army behind this mountain would you believe me and everyone said that we have never known you to be dishonest that we would believe you absolutely that he had established himself as صادق and I mean is that one of the is that one of the wisdoms of Allah why he waited 40 years before he proclaimed his prophethood that he established that etiquette in the society so he was well known before he propagated the message Subhan Allah beautiful so he had established such a character at such a level and it took time to and people knew that this man was a man of integrity this was a man of honesty that he was صادق he was honest and I mean trustworthy that people could leave their trust with him they know he wouldn't cheat him I want to go back for a moment to the moment and the early part of رسول الله's life that when he was young he was orphaned as a youth this is what شهر رمضان brings another opportunity to not forget about the orphans in this time for example رسول الله himself was an orphan from a young age going from family to family relative to relative you know for example versus grandfather then to his uncle Abu Talib but he got to an age where he was in his his adolescence if you will say you know 12-13 years old he began to go with his uncle on trade journeys with Abu Talib when he began to go سبحان الله there are many aspects and many dimensions of this journey but what I want to focus on was رسول الله was someone who was a very very good businessman in particular a salesman you may think you know there's a stigma in the modern world attached to for example sales some people may say yes but the amazing thing about this person and I will tell you this is what I mean eventually that when رسول الله would go and do business people wanted to do business with him more سبحان الله what kind of business was رسول الله doing what kind of ethics was he bringing to the business platform that may have not been there before that's a beautiful topic which inshallah would like to expand further because it's I think it's an issue within our societies how to distinguish good from wrong حلال from haram it's quite a thin line and especially in the world of business as you said being a salesman there's a taboo nowadays being a salesman because at the end of the day you need to it's like selling dreams you need to take something wrap it up make it look like gold so you can eventually sell it and I put for the question and سبحان الله there's a wisdom to why the holy prophet was a businessman himself so we can learn from that that the holy prophet himself was a businessman so how could he have been a successful businessman without receiving without lying selling something for what it is and it is known that for example if he was in the trade area or the marketplace if for example he knew that the merchant next to him had a better product he would tell the people the customers to go to the merchant next to him now I ask you who would do that nowadays who would tell a merchant oh sorry next door is something better than I have rarely you see that and that's the beautiful thing that we need to pond and reflect on it absolutely so it's very crucial it's very important very well said and so to tie into that point as سبحان الله as time progressed as he became older and he continued to do business and do even better in business he developed a reputation for being someone who is honest and genuine and yet very effective in what they do and to the point that they would say that he would go to his trade journeys he would come back with three times the profit of anyone else سبحان الله yet everyone said they wanted to do business with him again سبحان الله رسول الله is telling us a very valuable lesson here that business and enterprising is about relationships at the end of the day business is always about good relationships and when you're honest with people over time people will recognize this and they'll say you'll develop a reputation that this is a person who is honest, genuine and sincere and people will find you rather than you having to go find them you know today in sales people pick up the phone do cold calls for example when you develop a strong relationship people will find you to the point that as time further progressed and we come towards the time where رسول عظم was beginning to get married and the proposal was brought forth to him it was very interesting that his representation and his people knowing him for his sincerity and business and honesty this led him to be known and recognized and getting him a proposal if we think about it from that standpoint that this person was so honest so genuine so sincere and so good at what he did he had this reputation that preceded him before he even came into the room and as you know he was married with the blessed the mother who was someone who was the wealthiest person in Arabia very well off and they had this blessed marriage and she had admired the integrity of رسول الله and they had this beautiful relationship you know these people were divine representatives and role models for us of course رسول الله was picked by Allah by God Almighty Himself but these were role models for us in particular for example Lady خديجة that you can be honest and sincere and pious and still be successful in a worldly sense there's no problem some may come and ask you how say it awesome beautiful Islam gives us the tools to be successful in both worlds just that means that one may struggle in this world there may be challenges there may be tests there may be trials no doubt about it but that doesn't mean that you have to fail in this life one can be very successful in this life because Islam you want to use this life this world that we're given as a means to make better in that life in the hereafter but if someone can't conquer this world how are we going to conquer the everlasting world that we are told in numerous times that we are not supposed to be like monks in Islam that are in hiding for example not to say anything against monks but to say that for example we should not be in isolation away from the rest of the world and just pray this has not been accepted by Islam and we have numerous traditions backing this stuff we as Muslims are supposed to live in the modern world and thrive in the modern world and every world behind it we're supposed to thrive in every era whether that be economically whether that be academically whether that be personally in our personal lives or in worship indeed these are very important but going back to Lady Khadija this person was the wealthiest of her time you know to be like I think just this past weekend there was a very famous wedding that happened in the city not too far away a royal one they were told indeed and she was the most royal of her time yet imagine this person to go from such a status of worldly material level it was for what is it not for her wealth the Muslim Islam is indebted to Lady Khadija tremendously it is indebted to Lady Khadija it is indebted to Abu Talib Abu Talib who protected Rasulullah in his mission in those early days that Rasulullah himself says that after Abu Talib the difficulties and calamities befell on me at Taha Islam and as you know that year that Rasulullah called Aamul Huzan where he lost the year of sorrow the year of grief where he lost his two most beloved people and his life was traumatic for him it was very difficult for him but Lady Khadija this princess if I may use the word in that time the royal in a sense she gave up everything for Islam to the point that we're told Rasulullah did not even have a coffin for her a shroud imagine this is the level of sacrifice so this lays a principle for us fundamentally that you and I as people who are enterprising whether that's someone working in their professional career whether that's someone who's doing business that person must work very hard and struggle within the bounds of Islam to ethically move forward in their enterprise in their business they must however raise their level of giving in that process and not stop and this is what the Ahl al Bayt Ali Muslim tell us that give as much as you can had it not been for Lady Khadija Islam would not have been give as in which sense as in charity in terms of her establishing and supporting the Muslims as you know the Quraysh had put economic sanctions on the Muslims and these economic sanctions were stifling you know today till this till this day economic sanctions exist in the world people put economic sanctions on countries and communities to stifle them and they can be very difficult for the people and the same was done on the Muslims when economic sanctions were placed on the Muslims it was Lady Khadija who helped support Islam and give it strength in that time and help them survive you need economically thriving people in order to build a strong community but economically thriving in what sense in Islam the means matter just as much as the ends we don't we do not neglect the means because the ends is good I can't say that I have a goal of building a beautiful mosque a beautiful Masjid a beautiful Hosainiyah but you know I'm going to do something illegal something haram in order to get some money and then do this this is not acceptable the means are just as important as the ends and we need to be very mindful in the same way this is what Lady Khadija and the others admired about Rasoolallah that he said that just to make a quick a quick dollar a quick pound a quick dirham I will not cheat anyone ever and this is the way the Ahlul Bayt Ali Muslim operated there's a beautiful saying that we use in the West it's called don't be penny wise and pound foolish this idea that you try to make a quick small amount of money but you cheat someone you're wise on the penny you're sly you're slick on the small penny but you miss the big picture and you don't make the pound or the dollar which is worth more how do you do that you do that by being honest and just and being fair and equitable and how important is توقل in this formula tremendously trust in Allah سبحانه وتعالى توقل على الله is a very important component to this absolutely because one may say you know you're in a business dealing with someone for example and you may think to yourself that you know I know I have the upper hand on leverage in this negotiation I can probably stifle this person out of extra $100,000 for example you know you have that ability but what does your trust in Allah tell you my trust in Allah سبحانه وتعالى should tell me that if I work hard and honestly that money will come to me in its own way in its own due time when Allah سبحانه وتعالى is determined and if it's not to come to me then why shall I take from someone else this world is not a zero sum game for example there's enough for everyone out there Islam encourages us to use our intellect I sometimes wonder brother Hadi why does Allah encourage us in Islam encourage us to do تفكر and تدبر so often reflection, contemplation تفكر الساعة it is that one hour of reflection is better than 70 years of worship for example why we are to sharpen our minds and Muslims must always be sharpened their intellect because it's not all about just shallow worship it needs to have depth depth must be there and who better than أهل البيت عليم سلام showed it through the practice and teaching so when I come into enter pricing I can try to cheat and swindle and steal someone but I may be thinking at a very low level however if I try to use my intellect and I do and to the help me in this situation I want to do I want to do I want to earn honestly and if something is not for you it's not meant for you I want to find you it's also very important for us to understand it within brackets to read the signs for example something if you really want it and you strive towards it but you're not getting there that means maybe it's not best for you either it's not best for you or it's not best for you right now might be better good for you later and that's something that a lot of people may be lacking that they're not reading the signs and it's a beautiful point that later this is a key word that you said and this is where I would like to come into maybe perhaps we can talk about how why is it important to have to thrive economically in this day and in all eras for example why is this important well we have massage we have institutions we have media facilities all of these require economic funding who does this funding this funding predominantly is done by those who are enterprising for example we need to get to a point where we have recurring revenue for example generating on a month to month basis where we're not always having to do fundraising for example Alhamdulillah some people have begun on this work and they're doing great work but we need to expand the horizons those who are in business for example today must further thrive on that regard now a very important question that the viewer may ask is well why business why are you emphasizing business well not work this is a very important question and I'd like to say there are numerous traditions for example if you look at أسول الكافي one of our most authentic books of Ahadith you know our main four books or كتب عرباء that are the most authentic we have these books and for example من لا يحضر الفق تحزيب استبصار being the other books for example but if you go to أسول الكافي one of the volumes that you'll find is an entire باب or door volume on economics in that you'll find how much emphasis Islam has placed on business we have numerous traditions in this regard for example there's a moment in time where a man comes to Imam صديق عليه السلام and he says to the Imam يبنى رسول الله son of the grand prophet of the prophet of the grandson of the holy prophet that many of the Shi'a are becoming employed they're working for people Alhamdulillah it's good it's very important to earn حلال and times are different times change from time to time but he makes a very important point Imam صديق عليه السلام says tell them if they can do business it is better for them encourage them to do business for whoever whoever becomes employed and I speak as someone who's been employed for the predominant part of my life for the Imam عليه السلام says for anyone who becomes employed they limit their sustenance their risk سبحان الله a very big statement that's being said but why that when I endeavor in business it goes back to exactly what you said توقل توقل على الله trust in Allah that Allah if I do my hard work Allah will provide there's no doubt about it sometimes when you're employed sometimes you get very comfortable for example I know my check is guaranteed that at the end of the month or every second week or whatever that is definitely going to come some may argue that even today you never know about that as well so the economic uncertainty in the world and that's a fair point as well but it may make you complacent whereas when you know that I am on my own I have a team to support me but I need that one the ultimate sustainer الله سبحانه وتعالى to help me then that trust that relationship becomes stronger or should become stronger if it's not so that's very important so Imam Alimussalam says that second point there's a hadith that you'll find there as well that says there are 10 parts to risk 10 parts to sustenance to your income 9 of those 10 are in tijara in business in trading wow 10 parts 90% of it isn't in business isn't that true in today's world what are we hearing in the world today the 99% and the 1% that when you're in America this is very very open discussion and dialogue I'm sure it's the same here that the resources of the world and the country are controlled by 1% of the population the majority of the income is controlled by and who are all those people are they just are they doctors or dentists although with due respect and we need these people they're business they're people who are endeavoring and enterprising in business that's what they are that's what the reality of the matter is this is the hadith that is coming from the people of the house that is telling us 10 parts of sustenance there's another very interesting hadith that says there's 10 parts to intellect 9 of those 10 are in business in tijara this one had me perplexed I was always wondering what does this mean this is very strange because I would think that somebody who is a businessman versus someone maybe an academic is someone who should be the fundamental nature of being a successful business person whether a male or female to excel in business you need to be a good problem solver that's the essence of business you know you talk about mathematics in America the people who graduate with a PhD in physics there's two fields they go into more than any other field number one they go to NASA for as you can imagine astrophysicist for example they would be doing calculations for example rocket science so that makes sense the second place where they go is what's called wall street we're going to banking now we may disagree about wall street and how the means and ends argument might come up again but the question I want to ask is a little different why is wall street why is investment banking why are they so keen and why are they so interested in having PhD physicists why because they know they are very good problem solvers and they have to solve problems every day that can be mathematical otherwise I as someone who's enter pricing I am very sure that Rasool Allah although he had divine divine inspiration the people he was mentoring the people around him when he was telling them to do on his business perhaps they had to use their mind a little bit more creatively in order to succeed in excel because the person next door or around them maybe somebody else was cheating and not being fair and so they were getting a quick dollar so maybe they had to be a little bit more creative in the way that they thought but don't don't despise and don't don't ever have despair in the rahmah of Allah that same rahmah of Allah subhanahu wa ta'ala has the ability to give you and I tremendous intellect you know there are numerous there's numerous scholars of ours I I don't want to take all that into so many who say in نجف الأشرف that when they asked where did they get the ability to write these phenomenal books where did they get the ability for example to be such scholars to do such jurisprudential rulings and brings forth such evolution and fiqh for example they would always point to the haramah of a meel mumin and they say it was nothing other than this man that whenever I wanted to succeed I would pray to ركع صلاة to Allah subhanahu wa ta'ala in the presence and vicinity of this shrine and I would say ya Allah by this amazing intellect by the door of the city of knowledge باب المدينة طول المعلي ابنى بيطالب Allah grant me and expand my intellect and don't be surprised if Allah expands your intellect in that regard Islam is heavily emphasized one to be an entrepreneur to be a businessman and a business woman as lady khadija for example gives us a very clear indication now does it mean that it's haram to be employed of course not there's many examples for example at times there were employees for example we can all be self employed exactly that's exactly right this may not be for everyone there are times where اميل المؤمنين himself was employed he would dig ditches for people for example at a wage this was employment but I want to come now I want to talk how I created such an insight to be long and that's a long-awaited you got about a long time they that was just before they wrote I thought that they they فقد قلت لنا one is between us and Allah سبحانه وتعالى one is between us and our friends and close relatives and our family and then one is to seek out a halal sustenance and a halal livelihood. When we look towards enterprising and economic development well how do we sustain and help strengthen our community around us. I want to share a story that a brother shared with me after one of my lectures. I was in the states at one point time and this interestingly a very similar incident happened in the Europe and in the states after one of my lectures on economic development. The brother comes up to me after the lecture and he says I was very intrigued by your discussion on economic development to the point that I wanted to share something with you. I said please share with me. He said I left Iraq at a young age because of the circumstances there and I ended up in Europe. He said when I ended up in Europe first I had a very difficult time getting about. I was very well qualified back home I believe he was an engineer very well educated very smart man. But of course sometimes those credentials don't transfer over whatever it may be. He said my first job that I got in Europe was as a salesman a procurement officer actually my job was actually to get supplies for a particular convenience a store. And this was my job so I would have to negotiate day in and day out and make sure I got the best deals for my employer so that we could then sell those products to the customers. So he said that I worked very hard at that and I tried to negotiate better than anyone else. And I tried to be the best that I could be at that. So I would negotiate to the point that I would get the best price for my employer. Question how can I ensure that if I'm engaged in this sort of work. For example negotiating to get the best deal possible. How can I ensure because that negotiation process is maintained within the Halal means. How can I ensure that what's the guideline. The compass because unfortunately business nowadays is mostly built on a platform which promotes unjustness. Because for example you mentioned Wall Street. Now a lot of people would put a question mark whether I can earn Halal earning from Wall Street. I don't know. But is that what's the compass to ensure that I can negotiate or I can be part of this platform. But ensure that I've not fallen in the trick or I haven't fallen in this trap. And start earning Haram without even realizing. Well tell you you know like when I did my undergrad I studied economics in my bachelor's. Economics, math and computer science. And some of my initial offers were from some of the biggest investment banks in the world. And I personally felt that there was too much red tape in that area for me to navigate. And so I didn't feel that was the best decision for me at the time. And so I tried to dodge that. Someone else may feel differently. However it's very important to note where you get your risk from is very important. There's no doubt about this. We need to be very mindful to the point that many of our scholars have said. That what you eat and what goes into your stomach can have a big impact on who you become. Of course. To the extent that أبا عبدالله الحسين أمام الحسين عليا عبدالله الصلاة والسلام. When he was the day before عاشرار or his ceremony before the battle of Karbala. He addressed the one where he's on the camel. He addressed the people, the army of Yazilaatullah. He addressed them. And he told them do you not know who I am? Do you not know my position to Rasulullah? Do you not know my family? Do you not know? What is my position? Do you not know who I am? They all knew. But he got on. He got down. He looked at Abu Fadal. He looked at. He said let's go. They will not listen to anything that I have said. Why? بطونكم؟ Their stomachs are? حرام. Their stomachs are filled with حرام. Does that mean that they were eating like food that was not slaughtered according to Islamic Sharia? No. Everyone by that time was Muslim. There were so many Muslims in that everyone was predominantly Muslim. But the income that they had received was حرام. Was forbidden income. And that has an impact on the stomach. It goes through the stomach and it goes to the heart. Because it turns the heart hard. And once the heart is hard, it's very difficult to return back from that. And we see examples of this every day for people who know and see the science. You can see and you will question certain people that their stomach cold. We've got no passion. Even for example when you do عمل. When you attend a Hussein. You may see people who find it very difficult to connect. And we should question. Because it's important that it's not just what we do. So as you said. The means we earn that income. Eventually will have an effect. If the sustenance that I've earned is حرام. Anything I use. Anything I want to purchase or use it with. Automatically it will affect it. So my entire surrounding like the clothes I wear. Is impure. The food I eat will be impure. My surrounding my entire background will be impure. So that will have that negative effect. And eventually I'll be so deep into it. I won't even realize. Absolutely. Like being a zombie or something. Absolutely. Now. So with respect to that. A very good point. At some point in time we may begin. If we are not concerned about the income that is coming into our homes. Then we may get down to the slippery slope. Of we may get we may say wealth by any means necessary. We're trying to lay the foundation. Make that clear. That's not the Islamic premise. That I cannot just say that for example. I will earn income by any means necessary. And then I'll give some for example. Some charity at the end of the year. That's not sufficient. That's not how it works. Because that means of earning sustenance in the wrong manner. It can have an impact on who you become. And who you are. And it's a big check of your integrity. It's a very difficult test. Because if you know you can make hundreds of thousands or millions of dollars. By swindling or misdirecting people. You know. That's caused you to check yourself every single day. And it's a tough task. It's tough. But perhaps that's why there is also falleela in that as well. That you are able to navigate that terrain. And still give back. We need people to be enterprising. We need people to be successful. So we need people to work hard. But work hard the way the people of the house. Not the way we want to. It's very important to do that. Insha'Allah. We'll elaborate on this. Insha'Allah. Now. I would like to pause for a short break. And as soon as we'll be back. We'll continue. Insha'Allah. Stay with us. Assalamu alaikum warahmatullahi wabarakatuh. Assalamu alaikum warahmatullahi wabarakatuh. Welcome back my beloved brothers and sisters. Respected viewers. You are watching us live on Imam Hussein TV. This is T3. Teach, talk and thrive. Insha'Allah. We've entered the second half of the show. Where the lines are now open for any of you who'd like to join our conversation. Or have any questions. The phone number is 0203 515019. I repeat 0203 515. 0109. Insha'Allah. We'll be looking forward for your phone calls. And meanwhile. I said that you would talk about a very beautiful story regarding a brother from Iraq who came to Europe. Yes, absolutely. So I was mentioning that he had come from Iraq. He had got his first job in Europe. And he was basically a chief negotiator for procurement to get goods. And so he wanted to do better than anyone else. So he would negotiate to the point that he would get a very good deal for his company. But maybe not the best deal for the other party. So time went on. He said one day his boss or his employer called him into the office. And he called him in the office. Maybe he was expecting a promotion or doing something better. And he sat down and he said that you know. I'm sorry but I have to let you go. I had to lay him off. I had to fire him. Not necessarily the conversation anyone wants to hear. And he said that you know. He said okay, no problem. Just tell me why. I just want to know why. And he said that you know because your business is thriving. So there's no shortage of funds. You have funding. That's not a problem. And in terms of my work, you know better than me that I do better job than anyone else here in my job. Like I'm very very committed to it. And I get the best results for you. He said that's true. He said both of what you have said is true. He said however there's something that you're missing. That's very important to me. The owner said. He said what's that? He said I want you to know. And I think you may be aware. But this is how I see it. The owner says. He says all of my suppliers. You do very good deals with them. For us at least. You negotiate very well. Maybe they don't do as well. But we do very well. But there's one very important thing that you're missing. That is. That when you do these deals with them. All of my suppliers are from my community. And when you negotiate so hard with them. You weaken my community. And he said I can't have that. This was a man who was not a Muslim by the way. He said that I have a community. And you are undercutting my own community. I can't tolerate that. I can't stand that. I'm sorry I have to let you go. To shift one's thinking from individual. To communal. To community. Benefit of the whole. The benefit of the whole. So this is a very important component to what you said. Until and unless we develop this mindset. That it's not just about me and my immediate family. It's about my whole community. That how can I build an enterprise where I'm employing others. And I'm supporting others. My suppliers are from my community. My society. And I'm giving back to my world. My community. In my own space. In my own capacity. You talked about negotiating. And negotiating. I met one of the top negotiators in Europe. Just a few weeks ago. Of one of the big companies. Like the IBM Cisco. He was the top negotiator. We're at a conference. And I said to him. That you know. Top negotiator. I negotiate quite a bit myself. But you're the top guy for a Fortune 500 company. Let me ask you. And he was an older gentleman. So what's the most important. Aspect of negotiation. What's the most. What have you learned in these 20 30 years. You want to share that. He's like. He said one word. He looked in. Leaned at me. And he looked at me. He said. Listen. That's the most important thing in negotiations. Just listen to what the other side wants. When. How can you do fair and equitable negotiations. It's by understanding the whole pie. By understanding everything. What the other person wants and needs. What you want and need. And trying to create a win-win scenario for both parties. When you create win-wins for yourself and for the other party. You will not have to go looking for business. Business will come to you. Is it always possible to create win-win situations. It's a challenge. It can require some more thinking. And it can require some more listening. But in the long run it will pay dividends. There's very famous books like this. For example, The Seven Habits of Highly Effective People. It talks about Stephen Covey. He talks about creating win-win scenarios. These are the habits of highly effective people in the world. They create win-wins. And I am very confident that this is what Rasool Allah was doing. When he was doing business. That is what Lady Khadija was doing when she was doing business. That is what Amir al-Mu'mineen was doing when he was doing business. That was Imam Hassan al-Huzain. And all the Ahlulbayt when they did business. That's how they did business in my mind. They did it by creating win-win scenarios for both parties. So you have to listen. A negotiation, you think of it as a pie. When you and I come, I individually have a smaller pie. You individually have a smaller pie. But when we come together we can have a larger pie. Now the problem arises when I want a bigger slice than you. And we begin to become greedy. This is what actually governs. There's two emotions that govern Wall Street. Or all investments for that matter. Fear and greed. These are the things that actually I remember one of the, I did an internship when I was young. And I had also gone a little bit into investment banking. So I was able to understand investments and see if this was for me or not. So internships and also I had some practical practice in the field as well working. And in those charts, those graphs that you see in banking and investments and the likes. There's a lot of psychology embedded in it. In fact, there are certain people who trade and do investments only on the psychology of reading the graph. They said I don't want to need to hear the news. I don't need to listen to MSNBC or CNBC or any of these channel. I don't need to listen to Bloomberg or any of these channels. I will just look at the chart and the chart will tell me everything I need to know in terms of how people feel. And so there's psychology embedded in that. The same way, can I control my fear and greed? If you can control it and you can remove the emotions away from the dealings in your business and make strategic decisions you can thrive. This is what Warren Buffett does, by the way. Who? Warren Buffett, the second wealthiest man in the world. Him and Bill Gates go back and forth. Now of course Jeff Bezos, the CEO of Amazon who's the wealthiest man in the world. But these three have always fluctuated back and forth. Warren Buffett. And of course the man who's very charitable in a lot of sense, like Bill Gates as well. But he and his second-in-command, if you will, Charlie Munger they're very adamant that you need to remove emotion from the decision and make fair decisions in terms of making logical decisions. Most people become very emotional and fearful. Or maybe if I lose this deal or if I lose a little bit of profit on this deal then I won't be able to survive or sustain. No, have توقل على الله. Have trust in Allah سبحانه وتعالى that if you do your hard work you will succeed. You made a very interesting point that I wanted to elaborate on earlier that looking at and seeing the science of is this for me or is this not. Very important to note that research has found that most entrepreneurs in America they do not succeed on their first or second endeavor. They succeed on their third or fourth sometimes even more later after that. If you just listen to a man like Jack Ma, for example who is the father. He talks about how much he failed in life. He talks about how a KFC or something was opening in China and 20-something people applied. I think 25 people applied. And he said 24 got the job. I didn't get the job. He said everyone else got it. I didn't get it. He talks about how he applied to Harvard numerous times, didn't get it. But he had persistence. Someone to succeed needs to have something called part tenacity this word. Persistence and tenacity combined. Absolute resilience and trust in Allah. And you will get there's no doubt about it. How do you mitigate this? Someone may say that well the first and second time people fail on their first and second business and why is that? Because they learn very valuable lessons in their first and second endeavors that they apply to the third, fourth and beyond. But the thing is nobody gets past the first and second endeavor. They give up. That's the problem. So how do you mitigate? You say I'm in my 20's or I'm in my 30's I don't want to fail on my first and second time. I don't have time for that. How do you do it? You start earlier. Start doing business at a young age. You know you've heard of children creating lemonade at the lemonade stand in the summer they sell it for example or someone creating juice. We should encourage this in our youth in our next generation. Start business young but tell them and encourage with ethics. Never lie, cheat or steal ever. Don't do any of these things. When you want to do business do it like this and so they will learn very valuable lessons in their youth and in their adolescence. So by the time they're 18, 19, 20 they will succeed and they will do phenomenal in that regard. We must encourage that. It's a very important component that they thrive in that regard. We should not say we should not look down at a youth or a child who's maybe 15, 16, 17 years old and say oh that's just a child doing business. No. We must encourage them and help and support them. Support them through purchasing from them becoming a customer. Support them through for example investing in them and help them thrive. That's how you thrive. If you want to get something in your life start giving. That's the most important lesson that you can take away today. That if you want to be successful in business if you want to be successful in life and I'm someone who's just started on this journey myself I'm not saying that I'm someone who's thriving in this regard yet. No. I'm on the journey just like you and I. I'm on the journey like all of our viewers. We're on this journey together. But what I'm saying is in light of the traditions of the in light of the practical world how can we combine that together and get to a better place in our lives? This is how we do it by actually striving and endeavoring. Allah has already promised God Almighty has already promised you risk and I risk. Sustainance has been guaranteed even that small fish in the ocean is getting its sustenance. I mean Allah has always kept our sustenance there. The only reason somebody may not have is someone else maybe usurping or taking their right. That's different. That's where the cheating and stealing integrity comes into play. Which is abundance nowadays unfortunately. But how do you thrive? You know there's numerous research that is found you know people want to eliminate you want to eliminate poverty? You want to reduce the amount of poverty in the world? You don't want to see poor people? What do you do? People give charity. It's good. Alhamdulillah there are many traditions on giving charity it's a beautiful thing. But is charity itself an effective means to eradicate poverty? No. This is a very important point. It's one thing giving someone the fish but you need to learn how to fish it. Subhanallah So it's one thing to give a man a fish for a day but it's different to teach a man how to fish than that person or man or woman they know how to for example over their life get their own. So there's research that's been done by a Nobel laureate the Nobel Prize winner Muhammad Yunus from Bangladesh and he found that charity is not effective to eradicate poverty. Why? Because charity is not very consistent. I have charity one day maybe I get some money $100 next day I don't know when it's going to come how much it's going to come things like this I don't know it's inconsistent that's not he said what's much more effective is something called micro loans you give someone just enough money for example in order to buy a sewing machine for example so they can buy or purchase a sewing machine if they buy and sell and tailor garments when they do this they're able to sell that for example or sell their services or they're able to sell the products that they produce and then they are able to repay you back that loan that you gave them of 500 pounds or $1000 and you can invest that to another community with subhan Allah so he said and what we realize from this lesson is that people do not want charity they want opportunity that's what's more valuable we need to try to help give other people opportunities so why not get some brothers or sisters together from the community and make a trust for example or some charitable investment fund that we will put this money together and we will circulate it and help people start businesses you know people think they need a lot of capital to get started do you know that most millionaires in America they started their first business with $5000 in capital that's it $5000 in capital I think we could arrange that pretty quickly amongst our community that would not be a problem but the thing is trust and integrity must be maintained on both sides those who are putting in the funds they should not be sharking the others by taking for example interest on a high exorbitant amount and at the same time they should not be taking advantage and those who take the funds should also be doing justice and help others Insha'Allah and we hope we succeed through that Insha'Allah I'd like to thank you so much Sayedna for sharing your experience and knowledge Insha'Allah Dear brothers and sisters the respected viewers unfortunately we've run out of time once again but I truly hope that this program has been as beneficial for yourselves as it has been for us please join us again next week Saturday 6.30 Insha'Allah until then coming up we got سواس with الشيخ معاش Insha'Allah تزاكم الله خير مع السلام