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In the Name of God بسم الله

Caroling

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    Shia Islam

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  1. Maybe you’ve misunderstood what I’m saying. People who obsess over coming to the US are often unrealistic. How do I know this? I’ve literally observed so many people who don’t have money, don’t want to work hard—but they hold onto a pipe dream of coming to the US, not knowing what it’s actually like. I know many people, when I mentioned I was from the US, they said, “oh I wanna live in the US too” and wouldn’t stop badgering me to arrange things for them. I told them that they wouldn’t be able to afford rent, go to school, and work full time, then they insisted that i apply for some sort of grant for international students. I had to tell them, “I’m sorry, you can’t just come here—you won’t be able to afford it.” Then they questioned me and demanded to know why they couldn’t just live with me or get roommates. It was like beating dead horses. They didn’t want to accept that moving to the US isn’t some pipe dream.
  2. UAE sucks. Qatar sucks. In the UAE, unless you’re an Emerati by blood, you aren’t even granted citizenship. People need to pay in order to stay, you can’t even rent a shared apartment. Even nurses aren’t given jobs in the medical field there. The quality of life is horrible. Even though it’s technically prettier with lots of tourist attractions. People should weigh the pros and cons before moving to the US. I think people from other countries are living in a dream land where they have an unrealistic idea about the US, but then get upset when they actually have to work to have a good life, you have to clean your house without maids, and be self-sufficient. This could apply to people from Pakistan if they honestly think they are entitled to a million dollar house from the get-go. I think many people are unrealistic. They think, “So and so made it in America, let’s go there, because we can too.” Then they’re pissed because they can’t just laze around. In the US, we tell people, “if you wanna move here, you gotta work for it, per terms and conditions. Not based on the money you brought with you.” I don’t think this is exclusive to Pakistan, people everywhere want to move to the US because they think they can have a good life with no education, no goals, and basically live comfortably just by living here.
  3. ^im not talking about Pakistan. I’m talking about Iran, Iraq, Lebanon, Syria—third world countries where everything sucks.
  4. It’s not any better in Muslim countries, where people have to pay for their kids to even go to elementary school. All your life living in a crappy 2 bedroom apartment and only able to have 1-2 kids. Never being able to get a house. At least in the US you can pay for a good life little by little. I don’t appreciate your sarcasm. The US is my home. The quality of life here beats anywhere else, except for maybe Switzerland.
  5. Maybe it’s different where you live in the East Coast. I don’t even live in a major city like LA, but things like university here is NOT free. It’s a dog-eat-dog world and people in my area have to fight for scholarships and aid while still in high school. For the majority of states, it’s unfortunately like this. Especially out in the West Coast. Financial aid only reduces fees, and most people won’t be able to qualify for grants unless they are veterans or unemployed stay-at-home parents (basically, it’s really hard, and only a select few are given grants) Cheap schools out in the West Coast are at least 7 grand a semester. No one can afford 7 grand a semester.
  6. People leave islam because of trauma and religious abuse, mostly, and some leave because they want to do whatever they want. I think it’s unfair to judge people who leave Islam, unless they’re openly doing Haram and proud about it to garner attention, a lot of people who leave would have benefited from intense therapy. They are often emotionally wounded people and want to do the right thing, but for one reason or another, people abuse them and it leaves a very bad impression of Islam in their psyche.
  7. Well, good for Europe. In the US, it’s very different. Mortgages are like paying rent. Except you pay rent to the bank who says, “okay, you want a house, I’ll make it easier, pay the rent for 15 or 30 years and the house will be paid off.” Mortgages are a literal necessity. University isn’t even free. People spend their entire lives saving money for their kid’s colleges, and even then struggle to pay 3-21 thousand dollars PER semester, and even then financially they can’t afford it, so they apply for either grants or student loans. When you have children, things are so expensive here that you’ll hardly be able to save enough disposable income at the end of the month, unless you’re a millionaire. That’s why the OP is unrealistic and unreasonable—Sistani knows that mortgages are a financial necessity in the US and that’s why he says it isn’t Haram.
  8. But if you live in the US, by doing this, you can literally never save up for a home because the way things are, most banks won’t even accept a cash-only home, you need to have credit, and upkeep with other payments. With the way expenses are, mortgages are like a rent-fee. Usury is when you’re paying for something that can’t be replaced, a one time thing like paying for fruit and vegetables. Even Sistani acknowledges this. No one ever saves up enough money to buy their own home. That’s why installment plans are available—to make things easier for people, so that they can pay little by little. There’s a thread on SC talking about how mortgages aren’t Haram. It’s basically higher rent fees and you have to make an intention that you’re essentially paying for higher rent to the bank. You’re being really unreasonable.
  9. A mortgage isn’t “usury” in an Islamic context. Even in Islamic countries they have mortgages and loans but they call it by a different name. Besides, when you’re paying rent, not only are you wasting your hard earned money, but you probably won’t be able to ever buy a home in cash, ever. No one has several hundreds of thousands of dollars laying around. No one. That’s why no one ever buys a cash-only home unless you’re a multimillionaire. What next? You’re going to say that credit cards are Haram, too? Already someone has posted links to fatwas regarding mortgages. Let me ask you a question: did you go to university? You know the only reason you went to university (if you did) was because you took out student loans/financial aid. If everyone waited around to have enough money, no one would be able to have a house, send their kids to university, or even have children.
  10. Renting and having a mortgage is the same thing. Essentially. Plus, you’ll be wasting your money on rent because it goes the landlord, but when you have a mortgage, you’re in contract with the bank to pay rent little by little to own your own house. I don’t think you live in the real world. I don’t even think you’ve ever lived on your own, either.
  11. There is a lot of confusion about interest and mortgages on this site. I think many of you don’t really know how this works. Islamically, mortgages are not Haram because it’s paying the rent to the bank instead of paying everything upfront. You can never buy a house without a mortgage, because to qualify for any home, you’ll need to have good credit and a stable income/certain level of income. You can’t get a house mortgage-free unless you pay it, in cash. Which, I don’t think anyone has 600,000-800,000 laying around in their accounts. Renting an apartment is essentially a mortgage, but you’ll be paying the landlord. It’s the same with student loans. No one, with the exception of a few, can afford 3-12 grand a semester’s university tuition, paying cash. People would go broke or go into severe, crippling debt and will lose their homes, wouldn’t be able to send their kids to university, etc. So financial aid is to help students lower the costs, so that everyone can go to school and get degrees, if they so choose. It’s not Haram.
  12. @Gaius I. Caesar Here are some quotes from the book:
  13. It’s about a girl named Astrid and what happens to her in foster care while her mom is in prison. It was made into a film adaption a while ago. The writing is so poetic, moving, and beautiful. My favorite genre is Literary fiction (if you could call it a genre). I read mostly for the writing and not so much the plot or characters. What’s your favorite genre?
  14. I should check them out. I have a collection of short stories by Ray Bradbury called “Shadow Show”. I read short stories. Not so much science fiction. I love Daniel Woodrell’s short stories, “The Outlaw Album”—read it recently. It was pretty good. Have you read White Oleander?
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