Rich Works

By Dillon Norris

 Do you find that keeping control of your finances is becoming increasingly difficult?

In today’s society, advertisements bombard us with offers which encourage us to Spend! Spend! Spend! With promises such as-

“Easy Credit!”

“Pre-approved loans!”

“3 years interest-free credit!”

“Free gift when you apply!”

To most people this can all seem rather tempting, given the current “live for today” attitude. But too much can be spent on luxuries, leaving not enough to pay the bills.

Certain kinds of debt may be appropriate, such as a mortgage or a car. Many people, however, try to buy more than they can afford. Indeed, banks and businesses encourage us to do so.

Credit cards can be too easy to obtain yet too difficult to maintain, especially when people find themselves borrowing from one card to pay off another.

Credit may even be advertised as free - but we still have to pay in the end.

Many families can loose up to 1,000 a year in instalment debts, resulting in a drop in their future standard of living. Families often live from payday to payday with little or no savings for emergencies.

In America personal bankruptcies have doubled in the last 10 years. Most of these people had jobs yet unexpected bills or reductions in pay caused their bankruptcy.

Many economists agree that a global recession is on its way.

British people have over 130 billion of personal debt. It is estimated that, on average, there is 3,000 of debt from credit cards, loans and overdrafts for every adult in the country - and that’s excluding mortgages.

The amount borrowed from credit cards has more than doubled in the past 4 years.

Debt is fine, if you can afford the repayments. But what if you lost your job?

The time to get out of debt is now!

One major benefit of getting out of debt is avoiding interest payments. For instance; if you owe 1,000 on a credit card with an interest rate of 18.9% per year, and you only pay the minimum, say 3% per month, it will take over 13 years to pay it off plus a HUGE 848 in interest.

But if you double your payments to 6% per month, the debt will be gone in less than 5 years and the interest paid will be 292.

Savings can be gained by switching mortgages and if you fix your interest rate for 2 or 3 years then you can rest easy knowing what your repayments will be for the next few years. But make sure your mortgage is flexible so that you can pay off more if you do have some spare money.

Bank loans or hire purchase agreements can be trickier to pay off, as there may be penalties for early repayment. Just stick to the repayments and make sure that you don’t get tempted into any more debt. Remember that covetousness (i.e. desiring what we see) = debt! This is because we often get into debt over what we want, not what we need.

There are warning signs to indicate whether you are heading for financial difficulties. Look at the following list of 10 signals. If any one applies to you then it’s time to take a closer look at your budget. If more than one applies then you could already be in financial difficulty.

Using a credit card for purchases that you normally pay for with cash.

Taking out loans to pay off debts.

Paying only minimum amounts due on credit cards.

Receiving “overdue” notices.

Using savings to pay bills.

Cashing-in or borrowing from, life insurance policies.

Working overtime to make ends meet.

Using your overdraught to pay bills

Juggling debts and only paying the most demanding.

Obtaining credit card cash advances for day-to-day living expenses.

If you’re seriously worried about your overspending, The Citizen’s Advice Bureau offers free debt information.

Once your debt is under control, you need to think about saving. A standing order straight into your savings account is a good idea as the money goes straight out of your current account every month along with the bills.

Always remember never to get into debt over things that have no long-term impact on your life. For instance, do you really need an upgrade on your computer? Is a new DVD player really such a necessity? And what about a second car? Is it really essential or just an expensive convenience?

Don’t forget to also take a close look at the small things in life. For example, do you really need to go and have a cappuccino every time you pass a coffee shop? And packing a sandwich for work instead of buying one can save you about 40 a month.

But by far the most important thing to do when it comes to personal finance is to keep a constant check on your outgoings. Don’t wait for your bank statement to scare you next time it comes through your door. Remember the old saying that an ounce of prevention is worth a pound of cure.

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How to Get a Promotion

By Josiah Walter

 You know in your own mind that you deserve a raise or promotion, but you can’t seem to get the attention of your boss to prove it. What’s a girl to do? In a post 9-11 economy where many employers are content to stick with what is proven and comfortable, convincing your company to take a chance on you is a real challenge. Here are five simple ways you can let your potential shine, no matter what field you are in.

1. Whatever you do, do it well.

McDonald’s has gained a reputation for being the classic Plan B for high school dropouts and college graduates. “Would you like fries with that?” Few people know that even McDonald’s has their own internal competition for employees with the best job skills. Each year, hundreds of young employees compete using their service and food preparation skills. I’m sure the competitors would agree that they are being judged on techniques that most employees are totally oblivious to.

No matter how insignificant you believe your job to be, you can do it with class and pride. So you’re stuck in a crappy intern position, spending your days serving coffee and filing papers. Simply do your job, and that’s what people will expect of your abilities. Serve the coffee with style and become the fastest filer in the office, and people will see that these skills are below your IQ and that you are capable of so much more.

2. Think like a chief.

When you’ve been trained to think like an indian for so long, it is a real challenge to acknowledge the perspective of a chief. Chiefs must be thinking about the big picture, the long-term effects of projects, the financial aspects of the business, and how changes will affect the welfare of the overall organization. They are expected to be creative, understand all the areas within their span of control, recall important data off the top of their heads, and leap tall buildings in a single bound. They are looking at their team for the people who stand out and show an interest in expanding their duties. While you may not aspire to be Superwoman, propose new ideas to your boss and explain how they will benefit the company. Spend time asking questions about other functions of the company.

“When I first joined the volunteer fire department, I asked a lot of questions about my area, and things outside my area,” says Kimberly Dawn Wells, a freelance writer from Wisconsin. “I went to a lot of meetings and learned about the functions of the department and firefighting as a craft. The chiefs really noticed my interest and thought of me as a leader, right off the bat. They thought of me as intelligent, just because I asked questions and had an interest. They saw that I could hold my own.”

If you never step outside of your current role, people won’t see you as capable of growth. You can’t be promoted if you don’t know how to handle the responsibilities of your position.

3. Don’t be irreplaceable.

Especially when you are in an organization where you have a very specialized duty, don’t do your job SO well that your boss would rather keep you where you are at than promote you. Share your knowledge with others. Teach people how to do their job well and make sure your boss notices this.

“We have a lot of teachers who are so great at what they do that hiring them for an administrative position would be a loss to our district.” Kimberly also serves as school board clerk. “We love that these people are around to mentor our other teachers so that they CAN move forward in their career and we still get the benefits of their expertise. They help all our teachers grow.”

4. Understand how you contribute to your organization.

No matter where you are on the seniority list or pay scale, it is important to understand where you fit in your company’s future and why you are a valuable asset. First of all, you want to make sure that you could defend your job if you had to. If you can’t explain to your employer why they need you, they might see your job as expendable. Second, if you don’t know what specific value you bring to the bottom line, you are missing out on the opportunity to negotiate for something better. Third, if you choose to leave your current job and seek employment elsewhere, you need to make a powerful, competent, and profitable first impression with your new boss.

5. Dress for the job you want, not the job you have.

This statement goes way beyond clothes. You have an opportunity to “be” your promoted self in everything you do. When you give presentations, don’t just be Kate the secretary. “Be” the essence of Kate the team leader. Don’t handle complaints as Alyssa the barrista. “Be” Alyssa the manager. Don’t come to work with a vague idea of what you need to do during the week. “Be” Valerie the Senior VP of Finance and master that weekly planner.

Step out of your title and consider how you can act the part of your ideal position. Of course, be aware that your acting doesn’t include overstepping boundaries that could compromise your job. Ask yourself, “If I were planning this campaign as the executive director, what would I do different?” Add those last few details so your work really shines.

You may be thinking, “This is a lot of extra work that I’m not getting paid to do. What’s in it for me?” Unfortunately, we graduate from high school and college with a lot of memorized facts and very few applicable soft skills. Too many people who are getting promoted are the best out of their applicant pool, but not necessarily the best person for the position. By developing these job skills, you are showing a heightened emotional intelligence that employers agree is just as or more important than the hard skills. It will take a little time and extra effort to get the attention you need, but it is well worth the satisfaction of knowing that you’re finally in the position you deserve.

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Muhkam And Mutashabih

By Ibrahim Machiwala

 The verses of the Koran are stated to be partly muhkam (decisive) and partly mutabshabih (allegorical). The Koran (11:1) explains the first designation by declaring that it is “a book whose verses are precisely, clearly or unambiguously set forth” (uhkimat). Here the purpose of muhkam is to provide clear guidance. With regard to the second designation, the Koran (39:23) says: “God has sent down the best speech, a mutashabih book (kitaban mutashabihan)”. The word mutashabih here means resembling one another in verbal expression.

The third and most controversial statement asserting that the Koran (3:6) is both muhkam and mutashabih “He it is Who has revealed the Book to you: some of its verses are decisive (muhkam), they are the basis of the Book, and others are allegorical (mutashabih).” The muhkam here refers to verses whose meaning is apparent and are in need of no interpretation. The mutashabih on the other hand cannot be readily understood and must therefore be needed its tawil.

The word muhkam is derived from hakama, meaning he prevented, whence ahkama, i.e. he made a thing firm or stable), is that of which the meaning is secured from change and alteration, and mutashabih (from shib-h, meaning likeness or resemblance) is that which is cosimilar or conformable in its various parts, and mutahabihat are therefore things like or resembling one another, hence susceptible of different interpretations. Therefore when it is stated that the whole of the Book is muhkam, the meaning is that all its verses are decisive, and when the Koran is called mutashabih (39:23), the meaning is that the whole of it is conformable in its various parts; while in the verse under discussion is laid down the important principle how verses susceptible of different interpretations may be interpreted so that a decisive significance may be attached to them. The Koran establishes certain principles in clear words, which are to be taken as the basis, while there are statements made in allegorical words, or susceptible of different meanings, the interpretation of which must be in consonance with the other parts and the spirit of the Book.

The example of the Koran’s involvement in human history, which also illustrates its timeless and transcendent dimension, is that of zahir and batin (outer and inner dimensions). Suffice it to say that the outer dimension is that apparent or public meaning suggested by the literal sense of a verse. Its inner dimension is the level or levels of meaning known partially to the elect few but ultimately to God alone. These two dimensions have also been identified with the muhkam and mutashabih of the Koran.

The Koran further (3:7) says: “But none knows its interpretation, save only God and those firmly rooted in knowledge (rasikhun fi’l ilm).” Imam Jafar Sadik said, “We are the people obedience to whom God has made obligatory, and we are the rasikhun fi’l ilm” Kitab al-Burhan fi Tafsir al-Koran (1:21). According to al-Safi fi Tafsir kalam Allah al-wafi (1:21), once Imam Jafar Sadi said, “We are the rasikhun fi’l ilm, and we know the tawil of the Koran.”

Mumtaz Ali Tajddin S. Ali is an popular Ismaili Scholar, He has written many articles on Ismaili Imam, Ismailism, and Muhkam And Mutashabih from Encyclopedia of Ismaili.

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