Xiinow: Arrintu waxey mareysaa neefka hilibkiisaan cunaa fuutkiisa ma cabo.

Alxamdullilah Duke.everything waa jum jum.Sxb weli siyaasadda/qabyaladda kamaanad cajisin miiyaa

^^This response you gave me reminds me of an old British comedy called Mind Your Language where there was this Chinese lady who carried with her a Mao's lil red book and for every occassion she would say one of Mao's many sayings.... Waar ninkan siyaasad baa lagu faley.waar Duke waxaan ula jeedey maxaa kugu cusub,you know family,work,life in general....Everything waa ok soo mahaa? PS:

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Thank you Duke.11,373 posts later maxaa kugu cusub?

Duke In a nation bereft of comedians the closest we have to a comedian is a blind follower of a warlord.....

Tahlil I am still trying to come to terms with getting my azz deleted.Its unchartered territory for me and I am starting to feel what the good socialist people in the old Soviet Union felt during Communism......Censored :eek: :eek: But then again I seriously think the only way the Admin could show me how much they have missed me was to delete my post if that is the case then I forgive them(if of course the Admin did this but I doubt that 2) I admit this is the most beautiful homecoming I've ever been accorded.. Admin and Admin JR I missed yall and I promise I will behave like the good old Soviets and keep my "fingers" clean......

Thanx for the warning sxb but who deleted my post???

^^^Oh how I wonder haddi dagaal dhici lahaa in aad sidaa u qosli laheyd ma kula tahay...Caamir if I was you and if I claim Dhahar area caawa oo kale salad shukri kamaan baxeen for the simple fact....Where elephants trample ,its the grass that always suffers....Orod oo masjidka gal oo Alxudullililah dheh. Remember Barre said it well "Adeer dagaal wiil kuma dhasho wiil ku dhinta mooyee."

Zafir 2 questions 1-Are the lenders using their own money? 2-What happens if you decide to sell the house at a value below what you bought it for,for example $50 before the loan is up, will the lenders be willing to share the loss incurred on the house or do they want their original loan back?

Whether it was miscalculation or what not another meaningless war and unneccessary loss of life was averted but then again will Duke and his likes ever give a fcuk about that.All they want is war and my qabiil is bigger and badder than yours.... Reminds one of that primary school taunt of my wanker is bigger than everyones blah blah blah.......

Xiin I understand how lending in Islam works.It is based on the idea of profit and loss sharing but not on interest accrued over a certain time period fixed by the lender which the housing industry in America and the west is generally based on.And as far as I know there are no if's and buts when it comes to riba.What Guidance does is they borrow from a bank who charges Guidance a certain percentage as interest.Guidance in return adds the calculated interest of the loan with profit to the amount borrowed as a lumpsome. A simple mathematical illustration of how this works..... Assume I apply for a loan of $100 Guidance will borrow that loan from a bank at an interest of 5%....They will add a profit of 2% thereby making the total interest on that loan at 7%.Guidance will then add the 7% to my loan and say I now own a fixed loan of $107 payable in 3 months. Now under Islamic condition if that loan makes me a profit of 50%,I am liable to share my profit with Guidance and vice versa if there is a loss....But this is not the case here,instead all Guidance wants from me is their fixed monthly premiums Now is that Islamic I doubt and for the second part of your question read on...... ThePoint You sound like a friend of mine who recently bought a house through Guidance.....He gave me all the same examples you just mentioned. In America buying a house is everyones dream.This is also the benchmark to determine the strength of the country's economy.As such its a heavily regulated sector which the govenment invests heavily in.This is where Fannie Mae and Freddie Mac come in.On behalf of the government,they underwrite all mortages provided by the financial institutions for a percentage of the real loan, normally a small percentage over the course of the actual loan period.The lending institution in return also charges a certain percentage for the loan but then again you will not see that broken down in your paperwork.Instead you will only be told of an interest rate of %%%%. I hope that brief intro into the mortage business will make you understand how this works unless of course you know of a "Islamic Mae" that exclusively underwrites loans for Muslim home buyers provided by Guidance and their likes which would totally validate your whole argument that these transactions are wholly in compliance with the Islamic form of lending but until that happens I will not trust any comapany that brands itself Sharia compliant.....

^^^I hate to answer a question with another question but do you think a loan borrowed from Wachovia or Bank of America by Guidance Financial is riba free??

^^^I hate to answer a question with another question but do you think a loan borrowed from Wachovia or Bank of America by Guidance Financial is riba free??

Faraax Even companies like Guidance Financial which claim to offer riba free mortages are just a front for the banks..Either way whether you go Islamic or borrow from a bank the real estate industry is all about riba and one cant escape that if you want to become a home owner in the USA

Beautiful song....I love Deeqa Ahmed but its about time the qurbe based folks stopped plagariasing songs from up and coming singers from home....Example Shay Mire Dacar who sings Bini adam baan ahey...Faruur who sang this originally Mays Aroosna Heres another something from Ubax Dahir and I bet it wont be long b4 Deqa or someone like her from Europe or North America sings this one too Wacad

I know this dude.One of three Somali real estate agents in Virginia.When Somalis started to buy homes in Virginia instead of renting this brother was the first to cash in.He made his mark then and continues to do well but the real estate market in America is all about riba and as far as I know one who deals in real estate profits from that.We might as well start celebrating Ayan Ali Hersi's achievements as well while we in the mood for celebrating....

Meeshan Kashmir yar bey noqotey.Its just sad that the political elite from that area do not realise that neither Somaliland nor Puntland have the best interests of that region in mind.To Somaliland that region completes a map and to Puntland the region increases their sphere of influence.It is that simple but both camps will argue otherwise yet One thing that is clear Sool and Eastern Sanaag are the least devoloped regions in that area but both administrations are willing to fight over it.Its sad but true.

Something the author forgot to mention Markuu Madax Yare ka soo degey Airforce 2 blah blah..........

^^^^^ Good response Jaceyl....Beri aan wadankii adey ayaa waxaa igu dhacdey maalin laba wadaad ayaa babuur aan watey ayey ila soo raceen markaas bey waxey igu dhaheen Xaaji ma wada fadhisanaa.Anoo yaban baan ku idhi ma qayishaan intey ila yaabeen bey dheheen why NOT...Laakinse bi sharuud so long as you here ha na sheegin... Tuujiye Ever heard of laga barey laga badi...In Somaliland only ragaa qayili jirey and it was strictly an afternoon pastime but imika intii naga baratey bahalkaas baas rag iyo dumar ayaa cuna and to make matters worse habeen iyo malin ma kala lahaa ee bal taas ku darso xisaabta...

Digirta badso and maybe maskaxdu wey kugu soo noqon......

War bal sheekhan eega wax kasta hore aad u tidhi GAAL imikana hadaanad digir cunin ma GAAL baad tahay....Weger anagaa wax aragney....

Aree xaa dhacey duqa TO ma digirtii ka dhamatey maskax faluuq maas kugu dhacey. . Ka rog oo laba saar waar ninyahow waxaan ku idhi meesha qudha ee sarto ka qudhantey Xamar bey aheyd haddi meesha jamjam laga dhigey soo intey digarta kor u turaan Alxamduga badiyaan so maaha...Maxaa meel aan looga bahneyn dhib u baryayaan in dagal ka dhaco..... Haddii aad tan fahmi weydo Somaliland ma so noqoneyso ee la soco imikaba...

Dagaalka aad wadid aan ka soo hor jeeda duqa.Somali hal meel eey ka jiiftey meeshii haddi Ilaahey nabad siiyey Amiin in eey dhahaan mahiino.Xaa meel kaleto nabad ka jirto aas geynayaa.....???

^^^^^^Nin Caydh (cayer) ku dibrey aduun la fududaa.....