Compare Life Insurance Policies in India


Life insurance policy provides you with the assurance that your family will get financial security and support even when you are not around. The goal of the life insurance policy is to offer a measure of financial security to the family after your death. With a population of over one billion, only 35 million people in India are covered with life assurance policies. Undoubtedly, ignorance about insurance, lack of knowledge about facilities and high cost of insurance - are some of the reasons behind the low penetration of insurance.
Today, there are various life insurance companies in the market, offering a diversified range of insurance policies to cater divergent needs. It is necessary to compare life insurance policies offered by different companies, including their contract terms, premium quotes, limitations and benefits in order to ensure that you choose the best life insurance policy.

Basics of Life Insurance Plans

Life insurance is an agreement between you (the insured) and the life insurance company (the insurer). Under the terms of the policy, the insurer promises to pay a certain sum to the person (your beneficiary) upon your death, in exchange of premium payments.


Read more: http://www.policybazaar.com/life-insurance/#ixzz3bn86CVCh 
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Insurance Plans

    LIC's New Money Back Plan-20 years is a participating non-linked plan which offers an attractive combination of protection against death throughout the term of the plan along with the periodic payment on survival at specified durations during the term. This unique combination provides financial support for the family of the deceased policyholder any time before maturity and lump sum amount at the time of maturity for the surviving policyholders. This plan also takes care of liquidity needs through its loan facility.
    1. Benefits:
    Death benefit: On death during the policy term provided the policy is in full force, death benefit, defined as sum of “Sum Assured on Death” and vested Simple Reversionary Bonuses and Final Additional Bonus, if any, shall be payable. Where, “Sum Assured on Death” is defined as higher of 125% of the Basic Sum Assured or 10 times of annualized premium. This death benefit shall not be less than 105% of the total premiums paid as on date of death.
     The premiums mentioned above exclude tax, extra premium and rider premium, if any.
    Survival Benefits: In case of Life Assured surviving to the end of the specified durations 20% of the Basic Sum Assured at the end of each of 5th, 10th & 15th policy year.
    Maturity Benefit: In case of Life Assured surviving the stipulated date of maturity, 40% of the Basic Sum Assured along with vested Simple Reversionary Bonuses and Final Additional Bonus, if any, shall be payable.

Travel Loan Services


When refugees are admitted to the United States for resettlement, their travel is arranged under a loan program by the International Organization for Migration. Refugees sign a promissory note stating that they will repay the interest-free loans to cover travel costs over a pre-determined period.

CWS's Immigration and Refugee Program oversees the repayment process for the refugees we resettle. By guiding them through the repayment process, our loan counselors help refugees gain a basic understanding of personal credit literacy.

Make a payment online

Credit Cards Accepted
Visa MasterCard Discover

Make a payment by mail

Be sure to include your case number on your check or money order and mail to:
CWS Travel Loan Repayment
P.O. Box 968
Elkhart, IN 46515

Auto loan benefits


Whether you're buying a new or used car or want to refinance your car our comprehensive auto loan services and benefits can help steer you in the right direction.
Bank of America Preferred Rewards
0.25% to 0.50% interest rate discount
As a Preferred Rewards client, you can receive an interest rate discount on a new Bank of America auto purchase or refinance loan.Footnote2
We offer:
  • Competitive auto loan rates
  • Access to funds in as little as 24 hours
  • Bank of America personal checking customers get a 0.15% rate discountFootnote3 for an auto purchase or refinance loan.
  • Easy-to-use online auto loan calculators and payment tools
  • Multiple purchase types available including dealer, refinance, private party and lease buyout
  • Our dealer network can help streamline the purchase process and get you in your car faster Find a dealer

Is a business loan right for you?


If you're a business owner looking to purchase inventory and materials, refinance debt or finance account receivables, a Bank of America business loan may be right for you.
  • Available for amounts of $25,000 and up
  • Competitive rate that considers your overall business relationship with Bank of America
  • Receive your funds as a one-time lump sum
  • Convenient monthly repayment terms, including auto-debit payment from a Bank of America business checking account

Secure your loan with ...

  • A blanket lien on your assets
  • A certificate of deposit and borrow up to 100%

Payday Loan New York


Payday Loan NY is the #1 site for all your payday loan needs. When you need a fast payday loan, Payday Loan NY is here to assist you!
Cars breaks down, people get sick. No matter how you manage your money, anyone can come up short. PaydayLoanNY.com is always ready to support you to get through the hard times. We help you to save a lot of time and effort by connecting you to a large network of respectable lenders. They compete to offer you the best possible option. You no longer have to drive around the city to find money store PaydayLoanNY.com will help you to get the money you need.
A payday loan is a easy way for those who are short on cash to receive a payday loan from their next payroll check. Most payday loans pay in cash so that money can be obtained instantly. Unlike a bank, there are no complex rules to qualify for a pay day loan. Many people with unforeseen expenses such as medical bills or family emergencies utilize ny payday loan.

Income Tax Benefits of a Housing Loan


Everybody wants to have a home of their own. Most buyers, especially salaried employees, depend on home loans to purchase their first house. People often find it confusing to claim Income tax benefits when buying a property. Some questions like whether an income tax benefit can be obtained when you own multiple houses, some of which might be rented out, are often asked.
While the individual has to pay substantial amount of money as interest, it provides dual benefits. Here are a few points that help you in availing the income tax benefits more efficiently.
House Rent Allowance (HRA) Exemption
If a buyer avails a home loan to buy a property while staying in the property, then he/she can claim tax benefit on both the principal and the interest of the home loan.

Car loans from HDFC Bank


You no longer have to wait to buy that dream car because HDFC Bank offers great car loan deals with up to 100% finance. Whether it is a new car, a pre-owner car or even a loan against a car, we can offer you a car loan at attractive interest rates and flexible repayment tenures. Fast approvals, personalised service and utmost transparency make us the leader in car loans in India.

Owning your dream car is now easy. HDFC Bank can offer a car loan for up to 100% of the value! Simply visit the nearest HDFC Bank branch and learn about exciting offers on loans for private cars as well as multi-utility vehicles.

No Loans for Low Income Students


A handful of schools have instituted policies that ensure that low income students have no loans in their financial aid packages. These are also referred to as "free tuition" programs for low income students.
Typically low income is defined as the bottom quintile by family income, such as family incomes below about $40,000, by Pell Grant eligibility, or families with incomes below 200% of the poverty line.
Types of No-Loans Policies
The policies fall into four main types:
  • No loans. These policies eliminate loans from the financial aid package of low income students. In Princeton's case, the loans are eliminated from the aid packages of all students, not just low income students. Other schools with no loan policies for low income students include Rice University, UNC Chapel Hill, University of Virginia, and the University of Pennsylvania.
  • Loan caps. These policies institute a low cap on student loans for low-income students. Examples of schools with such policies include Brown University.

How to Calculate an Annual Payment on a Loan


A loan is a fairly straightforward type of debt instrument. Loans are issued primarily by banks, and consist of an initial payment to the debtor, followed by a series of payments back to the creditor. These payments, which are often made in the same amount for convenience's sake, service both the accumulated interest on the loan and the principal amount. Determining the amount of this even payment makes use of an area of finance called discounted cash flow modeling. Learning how to calculate an annual payment on a loan requires a basic understanding of the underlying principles.

Loans for Expatriates


  • Easy repayment periods
  • Loan amounts that suit your needs
  • Free bank account and debit card
  • Simple documentation
  • Fast processing of your loan application
  • xclusive loan return option
  • We also offer a 7-day loan return option, should you be dissatisfied with any of our terms.
  • Enhanced credit life
  • We are the only bank to offer the dual benefit of a loan coverage; not only is the loan repaid to the bank by the insurance company, but also the equivalent amount is given to the next of kin in the event of unforeseen circumstances
  • All loans are granted at the sole discretion of Emirates NBD. Terms and conditions apply.
Whatever your situation is whether you are new to the UAE or just found a new job; you may be currently employed but you do not meet the salary requirement or even if you are not entitled to end-of-service benefit - we have the right loan package for you.

5 Ways to Get a Loan with Bad Credit


"I have balances on 3 credit cards that each charge over 25%. I want to get a loan with a lower interest rate to pay off the cards, but my bank turned me down because of my credit. Is it possible to find a loan that would help me save money even with a low credit score?"
If you had the wind knocked out of your credit scores due to financial problems, or because you’re struggling to build credit for the first time, it can be difficult to get a loan. However, you might be surprised that you have more options than you think. I’ll give you 5 ways to find a good loan even with bad credit.

How to Get a Loan with Bad Credit

5 Ways to Get a Loan with Bad Credit
Having no credit or poor credit is a major stumbling block to getting a loan because you’re viewed as a high risk customer who might default and leave the lender holding a bag of worms. It’s just a fact that until you raise your credit score, you won’t fit the standard lending guidelines that traditional, big banks have to follow.
- See more at: http://www.quickanddirtytips.com/money-finance/credit/5-ways-to-get-a-loan-with-bad-credit?page=all#sthash.sekTB65k.dpuf

Loan Policy vs. Title Insurance Policy

When a borrower takes out a loan to buy a home she or he obtains title insurance that ostensibly protects the buyer from defects in the title such as recording mistakes, forged deeds and the like. The lender also gets insurance in the form of a loan policy that secures its interest in the value of the titled property. This policy, however, is not as strong as the title insurance policy, and when lenders foreclose on homes but do not pursue acquisition of the title insurance policy they can be exposed to additional risk. For more on this continue reading the following article from id supra,
In a time when foreclosures are all too common, many secured lenders end up taking title to the real properties securing their loans. One of the questions, then, is should a lender obtain an owner’s title insurance policy or is the loan title insurance policy sufficient?

Housing Loan

Purpose:
For taking over of the Housing Loan liability from other recognized Housing Finance Companies, Housing Boards and Commercial Banks at our prevailing low rate of interest.
Eligibility:
  • Salaried individuals, individuals engaged in business / professionals and self-employed persons. 
  • Persons above the age of 55 years are also eligible subject to certain stipulations of RBI.
How much you are entitled to :
We finance upto:
  • 4 years of gross salary to salaried individuals.
  • 4 years' gross annual income to individuals engaged in business or to self-employed persons.
  • Selectively loan upto 5 years' gross salary/ income also permitted 
  • Rs.15.00 lacs for repairs / renovations.

Welcome to ClearSpring Loan Services Homeowner Solutions Center


ClearSpring Loan Services Welcomes Community Home Financial Services customers! If you were a CHFS customer, please call our CHFS Customer Care Representatives at 877.457.0034, or click the link below for more information.

We want to help you do everything possible to keep your home. We have several programs designed to overcome your financial challenges. Options include, loan modification, short sale, deed-in-lieu, special forbearance, and repayment plans.

Section 184 Indian Home Loan Guarantee Program


184 Partners

*NOTE: Until further notice, the Office of Loan Guarantee, Section 184 Program is not offering program training.  Sorry for the inconvenience.
Your continued interest and support of the 184 Loan Program is appreciated.

What is the Section 184 Loan Guarantee Program?

The Section 184 Indian Home Loan Guarantee Program is a home mortgage specifically designed for American Indian and Alaska Native families, Alaska Villages, Tribes, or Tribally Designated Housing Entities. Section 184 loans can be used, both on and off native lands, for new construction, rehabilitation, purchase of an existing home, or refinance.
Because of the unique status of Indian lands being held in Trust, Native American homeownership has historically been an underserved market. Working with an expanding network of private sector and tribal partners, the Section 184 Program endeavors to increase access to capital for Native Americans and provide private funding opportunities for tribal housing agencies with the Section 184 Program.

COMPARISON OF CAR LOAN / AUTO LOAN INTEREST RATES BY INDIAN BANKS - 2015

Which Banks Charges the Lowest Interest on Auto Loans / Car Loans in 2015 ?  Best Rate of Interest on Car Loans  in India ? Comparative Car Loan Interest Rates.  Latest Car Loan Interest by Banks in India

Different banks charge different interest rates for car / auto loans.   The rate of interest also vary based on (a) the quantum of the loan; (b) period for which loan is intended to be availed (c) income basis - e.g salary or business etc.  

Therefore, it is not possible to give a chart which can provide the details of the lowest rate of interest charged by banks for all categories. 

Commercial Insurance



Dubai National Insurance and Reinsurance (DNIR) has a wide range of unique insurance products fully backed by international “A” rated securities to suit the insurance requirements of any commercial entity. Tailor made insurance products also can be provided as per your requirements to suit with your nature of business. Our qualified and highly experienced professional staff will assist you to find a suitable insurance solution to transfer your risk.
Browse through our product range to select the best suitable plan for your business today! Or contact us for further assistance.

UAE National Personal Loan with Additional Income


*Terms and Conditions apply. AED 200 vouchers will be awarded to customers who opt to receive a call from us. AED 500 vouchers will be awarded to Personal Loan applications made through emiratesnbd.com
With this loan, UAE Nationals can turn their extra rental income or earned sponsorship fee into a loan opportunity and get additional financing for unexpected expenses.
 




  • Attractive reducing interest rates starting from 4.99% reducing or 2.63% flat P.A.
  • Loan amounts up to AED 3,000,000
  • No collateral or guarantor required
  • Free Bank Account with no minimum balance requirement

Buying A Home Loan



HSBC Mortgage represented by a couple buying a new home.
As an experienced and trusted national lender, HSBC has the expertise in helping customers find the right mortgage products. Whether you are a first-time home buyer, or an existing home owner on the move, we can help. Even if you want to buy an investment property or dream vacation home, we offer a variety of mortgage options and competitive mortgage rates tailored to fit your needs. We are here to help make buying your home a smooth and memorable process. To help you get started, you'll find quick access to resources and calculators below that will help you make an informed home-buying decision.

First-Time Home Buyer

If you are a first-time home buyer, HSBC has all the resources you need. From choosing a mortgage to becoming pre-approved, as a first-time home buyer, making important financial decisions is easier when you are informed.

Auto Finance and Car Loans

021015 SC Knowing Your Limits Is the KeyHere’s how to stay out of trouble when you’re ready to buy your next car, truck or SUV:
  • • Apply our version of the 20/4/10 rule.
  • • Know your limit for total spending.
  • • Stick to it regardless of temptations.
But, if you’re not great at math – and a lot of car shoppers will concede that they aren’t – what does that mean when you’re on the car lot looking at new- or used-car stickers.
To get at some conclusions, we could have applied the standard 20/4/10 rule (20 percent down, four-year term, spending no more than 10 percent of annual gross income) recommended by financial experts, but we went with our own 10/12/4 rule at various income levels instead. That is, 10 percent of income divided by 12 monthly payments then multiplied over four years.
So, for example, a car shopper earning $10,000 a year can spend $1,000 a year on his or her vehicle, which computes to an $83 monthly car payment and a vehicle costing $3,749 – including taxes and documentation fees – using the TCalc online calculator and a four-year term. That shopper could purchase a slightly more expensive vehicle – $4,618 total – with a five-year term.
In both cases (for simplicity’s sake), we assumed $0 down payment, but every dollar you put down adds to the value of the vehicle you can purchase. So, if our shopper above managed to set aside $500 for a down payment, the total vehicle price would rise to $4,249 over four years, $5,118 over five years.
A more realistic example might be a car shopper earning $50,000 a year as an individual or family. Calculations using the above 10/12/4 rule results in a monthly car payment of $417 and a vehicle costing $18,836 (four-year term) or $23,203 (five years), again assuming $0 down payment. Adding a down payment, say $2,500, boosts those maximums to $21,336 and $25,703.
But all of these numbers would require subtracting taxes (which vary by state) and other costs, so the affordable sticker price in all cases would be lower than the prices cited.
Here are our calculations for various income levels, with monthly payment, followed by total cost over four years and over five years based on the TCalc calculator:
$10,000 = $83/month = $3,749 ($4,618 @ 5 years)
$20,000 = $167 = $7,543 ($9,292)
$30,000 = $250 = $11,292 ($13,913)
$40,000 = $333 = $15,042 ($18,529)
$50,000 = $417 = $18,836 ($23,203)
$60,000 = $500 = $22,586 ($27,822)
$70,000 = $583 = $26,335 ($32,440)
$80,000 = $668 = $30,129 ($37,114)
$90,000 = $750 = $33,878 ($41,732)
$100,000 = $833 = $37,628 ($46,351)
$110,000 = $917 = $41,422 ($51,025)
$120,000 = $1,000 = $45,171 ($55,643)
In the end, many shoppers get vehicles they can’t afford and shouldn’t purchase. You can avoid that trap by starting out knowing your limits.

Luxurious Magazine


The Ducati Scrambler, built by “customiser” Andrea Radaelli of Radikal Chopper, winner of the EICMA Custom International Bike Show 2014, was presented at Deus Ex Machina in Milan.

Ducati Scrambler by Radikal Chopper winner of the EICMA Custom International Bike Show 2014, was presented at Deus Ex Machina in Milan.

Organised in collaboration with LowRide magazine, the Deus Ex Machina contest took place last November during EICMA 2014. The event saw the participation of around ten customisers - the creators of some amazing bikes - who challenged one another for the ultimate victory. 

EICMA rewarded the winner with a Ducati Scrambler, as well as the opportunity to interpret and personalise the bike according to his own personal style. This was just one of the event's many initiatives lined up during this prestigious international motorcycle exhibition.

Personalised from nose to tail, the Ducati Scrambler was presented alongside a photographic record illustrating the various stages of its transformation, as well as all the elements that played a role in its creation

This unprecedented bike will also be playing a leading role in upcoming events, including the Bike Shed event in London where the Radikal Chopper will be joined by other Ducati Scrambler inspired specials. The event runs form the 22 - 24 May at London's Tobacco Dock where up to 150 custom motorcycles from the new wave custom scene will be on display.

Check It OUT....



















Classic Gorilla In Real Life Prank by pranks

Man Asks Stupid Questions to Female Students



Stupid question was asked to the female and male students by a funny guy on the roads of Mumbai. The guy acted like an alien and started asking different people about some ways to the metro bus. All the people believed him to be an alien man and behaved in a very cooperative way. They all thought him to be a person who did not know their language.



Question was simple about knowing the way to the bus station. But the boy made it funny by asking it in his own language other than they speak. All the girls and boys who were helping him out by making him understand his answers in English and by gestures got fooled by the funny guy as he did it intentionally. However, the college students including boys and females enjoyed it.
The reality was known to all the female students and the boys when the funny guy started to take a fake call on his phone in his mother language English and Hindi. Then the rest of the people realized that they have been fooled by the funny guy who was just doing a prank on his hidden cam. The all were feeling ashamed as they thought him to be an alien.
Jolly boy asked simple questions of knowing the way to the bus station by pretending to be someone who do not know English and Urdu. The young and beautiful couples were also enjoying by making this man understand the language of an alien. He stopped fooling them by acting as if someone called him up and he started replying in his local language which everybody knew.



Guy Asks Address In Funny Language by rehanalichohan1981

Indian Actress PhotoShot...














Nahjul Balagha Part 1, The Sermons Praise is due to Allah whose worth cannot be described….

In this sermon he recalls the creation of Earth and Sky and the creation of Adam and in it he mentions the Hajj
ومن خطبة له (عليه السلام) يذكر فيها ابتداءَ خلق السماءِ والاَرض، وخلق آدم عليه الصلاة والسلام
(فيها ذكر الحج)
(وتحتوي على حمد الله، وخلق العالم، وخلق الملائكة، واختيار الانبياء، ومبعث النبي، والقرآن، والاحكام الشرعية)

 Praise is due to Allah whose worth cannot be described by speakers, whose bounties cannot be counted by calculators and whose claim (to obedience) cannot be satisfied by those who attempt to do so, whom the height of intellectual courage cannot appreciate, and the divings of understanding cannot reach; He for whose description no limit has been laid down, no eulogy exists, no time is ordained and no duration is fixed. He brought forth creation through His Omnipotence, dispersed winds through His Compassion, and made firm the shaking earth with rocks.
الحَمْدُ للهِ الَّذَي لاَ يَبْلُغُ مِدْحَتَهُ القَائِلُونَ، وَلاِ يُحْصِي نَعْمَاءَهُ العَادُّونَ، ولاَ يُؤَدِّي حَقَّهُ الُمجْتَهِدُونَ، الَّذِي لاَ يُدْركُهُ بُعْدُ الهِمَمِ، وَلاَ يَنَالُهُ غَوْصُ الفِطَنِ، الَّذِي لَيْسَ لِصِفَتِهِ حَدٌّ مَحْدُودٌ، وَلاَ نَعْتٌ مَوْجُودٌ، وَلا وَقْتٌ مَعْدُودٌ، وَلا أَجَلٌ مَمْدُودٌ. فَطَرَ الخَلائِقَ بِقُدْرَتِهَ، وَنَشَرَ الرِّيَاحَ بِرَحْمَتِهِ، وَوَتَّدَ بِالصُّخُورِ مَيَدَانَ أَرْضِهِ.
The foremost in religion is the acknowledgement of Him, the perfection of acknowledging Him is to testify Him, the perfection of testifying Him is to believe in His Oneness, the perfection of believing in His Oneness is to regard Him Pure, and the perfection of His purity is to deny Him attributes, because every attribute is a proof that it is different from that to which it is attributed and everything to which something is attributed is different from the attribute.
Thus whoever attaches attributes to Allah recognises His like, and whoever recognises His like regards Him two; and whoever regards Him as two recognises parts for Him; and whoever recognises parts for Him mistook Him; and whoever mistook Him pointed at Him; and whoever pointed at Him admitted limitations for Him; and whoever admitted limitations for Him numbered Him. Whoever said: ‘In what is He?’, held that He is contained; and whoever said: ‘On what is He?’, held He is not on something else.
أَوَّلُ الدِّينِ مَعْرِفَتُهُ، وَكَمَالُ مَعْرِفَتِهِ التَّصْديقُ بِهِ، وَكَمَالُ التَّصْدِيقِ بِهِ تَوْحِيدُهُ، وَكَمَالُ تَوْحِيدِهِ الاخْلاصُ لَهُ، وَكَمَالُ الاخْلاصِ لَهُ نَفْيُ الصِّفَاتِ عَنْهُ، لِشَهَادَةِ كُلِّ صِفَة أَنَّها غَيْرُ المَوْصُوفِ، وَشَهَادَةِ كُلِّ مَوْصُوف أَنَّهُ غَيْرُ الصِّفَةِ، فَمَنْ وَصَفَ اللهَ سُبْحَانَهُ فَقَدْ قَرَنَهُ، وَمَنْ قَرَنَهُ فَقَدْ ثَنَّاهُ،وَمَنْ ثَنَّاهُ فَقَد جَزَّأَهُ، وَمَنْ جَزَّأَهُ فَقَدْ جَهِلَهُ، وَمَنْ جَهِلَهُ فَقَدْ أشَارَ إِلَيْهِ، وَمَنْ أشَارَ إِلَيْهِ فَقَدْ حَدَّهُ، وَمَنْ حَدَّهُ فَقَدْ عَدَّهُ، وَمَنْ قَالَ: «فِيمَ» فَقَدْ ضَمَّنَهُ، وَمَنْ قَالَ: «عَلاَمَ؟» فَقَدْ أَخْلَى مِنُهُ.
He is a Being, but not through phenomenon of coming into being. He exists but not from non-existence. He is with everything but not in physical nearness. He is different from everything but not in physical separation. He acts but without connotation of movements and instruments. He sees even when there is none to be looked at from among His creation. He is only One, such that there is none with whom He may keep company or whom He may miss in his absence.
كائِنٌ لاَ عَنْ حَدَث، مَوْجُودٌ لاَ عَنْ عَدَم، مَعَ كُلِّ شَيْء لاَ بِمُقَارَنَة، وَغَيْرُ كُلِّ شيء لا بِمُزَايَلَة، فَاعِلٌ لا بِمَعْنَى الْحَرَكَاتِ وَالاْلةِ، بَصِيرٌ إذْ لاَ مَنْظُورَ إلَيْهِ مِنْ خَلْقِهِ، مُتَوَحِّدٌ إذْ لاَ سَكَنَ يَسْتَأْنِسُ بهِ وَلاَ يَسْتوْحِشُ لِفَقْدِهِ.

The Creation of the Universe

خلق العالم
He initiated creation most initially and commenced it originally, without undergoing reflection, without making use of any experiment, without innovating any movement, and without experiencing any aspiration of mind. He allotted all things their times, put together their variations gave them their properties, and determined their features knowing them before creating them, realising fully their limits and confines and appreciating their propensities and intricacies.
أَنْشَأَ الخَلْقَ إنْشَاءً، وَابْتَدَأَهُ ابْتِدَاءً، بِلاَ رَوِيَّة أَجَالَهَا، وَلاَ تَجْرِبَة اسْتَفَادَهَا، وَلاَ حَرَكَة أَحْدَثَهَا، وَلاَ هَمَامَةِ نَفْس اضطَرَبَ فِيهَا. أَحَالَ الاْشياءَ لاِوْقَاتِهَا، وَلاَمَ بَيْنَ مُخْتَلِفَاتِهَا، وَغَرَّزَ غَرائِزَهَا، وَأَلزَمَهَا أشْبَاحَهَا، عَالِماً بِهَا قَبْلَ ابْتِدَائِهَا، مُحِيطاً بِحُدُودِها وَانْتِهَائِهَا، عَارفاً بِقَرَائِنِها وَأَحْنَائِهَا.
When Almighty created the openings of atmosphere, expanse of firmament and strata of winds, He flowed into it water whose waves were stormy and whose surges leapt one over the other. He loaded it on dashing wind and breaking typhoons, ordered them to shed it back (as rain), gave the wind control over the vigour of the rain, and acquainted it with its limitations. The wind blew under it while water flowed furiously over it.
ثُمَّ أَنْشَأَ ـ سُبْحَانَهُ ـ فَتْقَ الاْجْوَاءِ، وَشَقَّ الاْرْجَاءِ، وَسَكَائِكَ الَهوَاءِ، فأَجازَ فِيهَا مَاءً مُتَلاطِماً تَيَّارُهُ، مُتَراكِماً زَخَّارُهُ، حَمَلَهُ عَلَى مَتْنِ . الرِّيحِ الْعَاصِفَةِ، وَالزَّعْزَعِ الْقَاصِفَةِ، فَأَمَرَها بِرَدِّهِ، وَسَلَّطَهَا عَلَى شَدِّهِ، وَقَرنَهَا إِلَى حَدِّهِ، الهَوَاءُ مِنْ تَحْتِها فَتِيقٌ، وَالمَاءُ مِنْ فَوْقِهَا دَفِيقٌ.
Then Almighty created forth wind and made its movement sterile, perpetuated its position, intensified its motion and spread it far and wide. Then He ordered the wind to raise up deep waters and to intensify the waves of the oceans. So the wind churned it like the churning of curd and pushed it fiercely into the firmament throwing its front position on the rear and the stationary on the flowing till its level was raised and the surface was full of foam.
Then Almighty raised the foam on to the open wind and vast firmament and made there-from the seven skies and made the lower one as a stationary surge and the upper one as protective ceiling and a high edifice without any pole to support it or nail to hold it together.
Then He decorated them with stars and the light of meteors and hung in it the shining sun and effulgent moon under the revolving sky, moving ceiling and rotating firmament.
ثُمَّ أَنْشَأَ سُبْحَانَهُ رِيحاً اعْتَقَمَ مَهَبَّهَا، وَأَدَامَ مُرَبَّهَا، وَأَعْصَفَ مَجْرَاها، وَأَبْعَدَ مَنْشَاهَا، فَأَمَرَها بِتَصْفِيقِ المَاءِ الزَّخَّارِ، وَإِثَارَةِ مَوْجِ البِحَارِ، فَمَخَضَتْهُ مَخْضَ السِّقَاءِ، وَعَصَفَتْ بهِ عَصْفَهَا بِالفَضَاءِ، تَرُدُّ أَوَّلَهُ عَلَى آخِرِهِ، وَسَاجِيَهُ عَلَى مَائِرِهِ، حَتَّى عَبَّ عُبَابُهُ، وَرَمَى بِالزَّبَدِ رُكَامُهُ، فَرَفَعَهُ فِي هَوَاء مُنْفَتِق، وَجَوٍّ مُنْفَهِق، فَسَوَّى مِنْهُ سَبْعَ سَموَات، جَعَلَ سُفْلاَهُنَّ مَوْجاً مَكْفُوفاً، وَعُلْيَاهُنَّ سَقْفاً مَحْفُوظاً، وَسَمْكاً مَرْفُوعاً، بِغَيْر عَمَد يَدْعَمُهَا، وَلا دِسَار يَنْظِمُها.
ثُمَّ زَيَّنَهَا بِزينَةِ الكَوَاكِبِ، وَضِياءِ الثَّوَاقِبِ، وَأَجْرَى فِيها سِرَاجاً مُسْتَطِيراً، وَقَمَراً مُنِيراً: في فَلَك دَائِر، وَسَقْف سَائِر، وَرَقِيم مَائِر.

The Creation of the Angels

خلق الملائكة
Then He created the openings between high skies and filled them with all classes of His angels. Some of them are in prostration and do not kneel up. Others in kneeling position and do not stand up. Some of them are in array and do not leave their position. Others are extolling Allah and do not get tired. The sleep of the eye or the slip of wit, or languor of the body or the effect of forgetfulness does not effect them.
Among them are those who work as trusted bearers of His message, those who serve as speaking tongues for His prophets and those who carry to and fro His orders and injunctions. Among them are the protectors of His creatures and guards of the doors of the gardens of Paradise.
Among them are those also whose steps are fixed on earth but their necks are protruding into the skies, their limbs are getting out on all sides, their shoulders are in accord with the columns of the Divine Throne, their eyes are downcast before it, they have spread down their wings under it and they have rendered between themselves and all else curtains of honour and screens of power.
They do not think of their Creator through image, do not impute to Him attributes of the created, do not confine Him within abodes and do not point at Him through illustrations.
ثُمَّ فَتَقَ مَا بَيْنَ السَّمواتِ العُلاَ، فَمَلاَهُنَّ أَطْواراً مِنْ مَلائِكَتِهِ:
مِنْهُمْ سُجُودٌ لاَيَرْكَعُونَ، وَرُكُوعٌ لاَ يَنْتَصِبُونَ، وَصَافُّونَ لاَ يَتَزَايَلُونَ، وَمُسَبِّحُونَ لاَ يَسْأَمُونَ، لاَ يَغْشَاهُمْ نَوْمُ العُيُونِ، وَلاَ سَهْوُ العُقُولِ، وَلاَ فَتْرَةُ الاَبْدَانِ، ولاَ غَفْلَةُ النِّسْيَانِ.
وَمِنْهُمْ أُمَنَاءُ عَلَى وَحْيِهِ، وأَلسِنَةٌ إِلَى رُسُلِهِ، وَمُخْتَلِفُونَ بِقَضَائِهِ وَأَمْرهِ.
وَمِنْهُمُ الحَفَظَةُ لِعِبَادِهِ، وَالسَّدَنَةُ لاِبْوَابِ جِنَانِهِ.
وَمِنْهُمُ الثَّابِتَةُ في الاْرَضِينَ السُّفْلَى أَقْدَامُهُمْ، وَالمَارِقَةُ مِنَ السَّماءِ العُلْيَا أَعْنَاقُهُمْ، والخَارجَةُ مِنَ الاْقْطَارِ أَرْكَانُهُمْ، وَالمُنَاسِبَةُ لِقَوَائِمِ العَرْشِ أَكْتَافُهُمْ، نَاكِسَةٌ دُونَهُ أَبْصارُهُمْ، مُتَلَفِّعُونَ تَحْتَهُ بِأَجْنِحَتِهِمْ، مَضْرُوبَةٌ بَيْنَهُمْ وَبَيْنَ مِنْ دُونَهُمْ حُجُبُ العِزَّةِ، وَأسْتَارُ القُدْرَةِ، لاَ يَتَوَهَّمُونَ رَبَّهُمْ بالتَّصْوِيرِ، وَلاَ يُجْرُونَ عَلَيْهِ صِفَاتِ المَصْنُوعِينَ، وَلاَ يَحُدُّونَهُ بِالاْماكِنِ، وَلاَ يُشِيرُونَ إِلَيْهِ بِالنَّظَائِرِ.

Description of the Creation of Adam

منها: في صفة خلق آدم (عليه السلام)
Allah collected from hard, soft, sweet and sour earth, clay which He dripped in water till it got pure, and kneaded it with moisture till it became gluey. From it He carved an image with curves, joints, limbs and segments. He solidified it till it dried up for a fixed time and a known duration. Then He blew into it out of His Spirit whereupon it took the pattern of a human being with mind that governs him, intelligence which he makes use of, limbs that serve him, organs that change his position, sagacity that differentiates between truth and untruth, tastes and smells, colours and species. He is a mixture of clays of different colours, cohesive materials, divergent contradictories and differing properties like heat, cold, softness and hardness, grief and joy.
ثُمَّ جَمَعَ سُبْحَانَهُ مِنْ حَزْنِ الاْرْضِ وَسَهْلِهَا، وَعَذْبِهَا وَسَبَخِهَا، تُرْبَةً سَنَّهَا بالمَاءِ حَتَّى خَلَصَتْ، وَلاَطَهَا بِالبَلَّةِ حَتَّى لَزَبَتْ، فَجَبَلَ مِنْها صُورَةً ذَاتَ أَحْنَاء وَوُصُول، وَأَعْضَاء وَفُصُول: أَجْمَدَهَا حَتَّى اسْتَمْسَكَتْ، وَأَصْلَدَهَا حَتَّى صَلْصَلَتْ، لِوَقْت مَعْدُود، وَأجَل مَعْلُوم، ثُمَّ نَفَخَ فِيها مِنْ رُوحِهِ فَمَثُلَتْ إِنْساناً ذَا أَذْهَان يُجيلُهَا، وَفِكَر يَتَصَرَّفُ بِهَا، وَجَوَارِحَ يَخْتَدِمُهَا، وَأَدَوَات يُقَلِّبُهَا، وَمَعْرِفَة يَفْرُقُ بِهَا بَيْنَ الحَقِّ وَالبَاطِلِ، والاَذْوَاقِ والَمشَامِّ، وَالاْلوَانِ وَالاْجْنَاس، مَعْجُوناً بطِينَةِ الاْلوَانِ الُمخْتَلِفَةِ، وَالاَشْبَاهِ المُؤْتَلِفَةِ، وَالاْضْدَادِ المُتَعَادِيَةِ، والاْخْلاطِ المُتَبَايِنَةِ، مِنَ الحَرِّ والبَرْدِ، وَالبَلَّةِ وَالْجُمُودِ، وَالْمَساءَةِ وَالسُّرُورِ،
Then Allah asked the angels to fulfil His promise with them and to accomplish the pledge of His injunction to them by acknowledging Him through prostration to Him and submission to His honoured position. So Allah said:
Be prostrate towards Adam and they prostrated except Iblis (Satan).” (Qur’an, 2:34; 7:11; 17:61; 18:50; 20:116)
Self-importance withheld him and vice overcame him. So that he took pride in his own creation with fire and treated contemptuously the creation of clay. So Allah allowed him time in order to let him fully deserve His wrath, and to complete (man’s) test and to fulfil the promise (He had made to Satan). Thus, He said:
Verily you have been allowed time till the known Day. “ (Qur’an, 15:38; 38:81)
وَاسْتَأْدَى اللهُ سُبْحَانَهُ المَلائكَةَ وَدِيعَتَهُ لَدَيْهِمْ، وَعَهْدَ وَصِيَّتِهِ إِلَيْهمْ، في الاْذْعَانِ بالسُّجُودِ لَهُ، وَالخُنُوعِ لِتَكْرِمَتِهِ، فَقَالَ عزَّمِن قائِل: ( اسْجُدُوا لاِدَمَ فَسَجَدُوا إِلاَّ إِبْلِيسَ)، اعْتَرَتْهُ الحَمِيَّةُ، وَغَلَبَتْ عَلَيْهِ الشِّقْوَةُ، وَتَعَزَّزُ بِخِلْقَةِ النَّارِ، وَاسْتَوْهَنَ خَلْقَ الصَّلْصَالِ، فَأَعْطَاهُ اللهُ تَعالَى النَّظِرَةَ اسْتِحْقَاقاً لِلسُّخْطَةِ، وَاسْتِتْماماً لِلْبَلِيَّةِ، وَإِنْجَازاً لِلْعِدَةِ، فَقَالَ: (إنَّكَ مِنَ المُنْظَرِينَ إِلَى يَوْمِ الْوَقْتِ الْمَعْلُومِ)
Thereafter, Allah inhabited Adam (p.b.u.h.) in a house where He made his life pleasant and his stay safe, and He cautioned him of Iblis and his enmity. Then his enemy (Iblis) envied his abiding in Paradise and his contacts with the virtuous. So he changed his conviction into wavering and determination into weakness. He thus converted his happiness into fear and his prestige into shame. Then Allah offered to Adam (p.b.u.h.) the chance to repent, taught him words of His Mercy, promised him return to His Paradise and sent him down to the place of trial and procreation of progeny.
ثُمَّ أَسْكَنَ سُبْحَانَهُ آدَمَ دَاراً أرْغَدَ فِيهَاعَيْشَهُ، وَآمَنَ فِيهَا مَحَلَّتَهُ، وَحَذَّرَهُ إِبْلِيسَ وَعَدَاوَتَهُ، فَاغْتَرَّهُ عَدُوُّهُ نَفَاسَةً عَلَيْهِ بِدَارِ الْمُقَامِ، وَمُرَافَقَةِ الاْبْرَارِ، فَبَاعَ الْيَقِينَ بِشَكِّهِ، وَالعَزِيمَةَ بِوَهْنِهِ، وَاسْتَبْدَلَ بِالْجَذَلِ وَجَلاً، وَبِالاْغْتِرَارِ نَدَماً.
ثُمَّ بَسَطَ اللهُ سُبْحَانَهُ لَهُ في تَوْبَتِهِ، وَلَقَّاهُ كَلِمَةَ رَحْمَتِهِ، وَوَعَدَهُ المَرَدَّ إِلَى جَنَّتِهِ، فَأَهْبَطَهُ إِلَى دَارِ الَبَلِيَّةِ، وَتَنَاسُلِ الذُّرِّيَّةِ.

Allah chooses His Prophets

اختيار الانبياء
From his (Adam’s) progeny Allah chose prophets and took their pledge for his revelation and for carrying His message as their trust. In course of time many people perverted Allah’s trust with them and ignored His position and took compeers along with Him. Satan turned them away from knowing Him and kept them aloof from His worship. Then Allah sent His Messengers and series of His prophets towards them to get them to fulfil the pledges of His creation, to recall to them His bounties, to exhort them by preaching, to unveil before them the hidden virtues of wisdom and show them the signs of His Omnipotence namely the sky which is raised over them, the earth that is placed beneath them, means of living that sustain them, deaths that make them die, ailments that turn them old and incidents that successively betake them.
وَاصْطَفى سُبْحَانَهُ مِنْ وَلَدَهِ أَنْبيَاءَ أَخَذَ عَلَى الْوَحْيِ مِيثَاقَهُم، وَعَلَى تَبْليغِ الرِّسَالَةِ أَمَانَتَهُمْ، لَمَّا بَدَّلَ أَكْثَرُ خَلْقِهِ عَهْدَ اللهِ إِلَيْهِمْ، فَجَهِلُوا حَقَّهُ، واتَّخَذُوا الاْنْدَادَ مَعَهُ، وَاجْتَالَتْهُمُ الشَّيَاطِينُ عَنْ مَعْرفَتِهِ، وَاقتَطَعَتْهُمْ عَنْ عِبَادَتِهِ، فَبَعَثَ فِيهمْ رُسُلَهُ، وَوَاتَرَ إِلَيْهِمْ أَنْبِياءَهُ، لِيَسْتَأْدُوهُمْ مِيثَاقَ فِطْرَتِهِ، وَيُذَكِّرُوهُمْ مَنْسِيَّ نِعْمَتِهِ، وَيَحْتَجُّوا عَلَيْهِمْ بَالتَّبْلِيغِ، وَيُثِيرُوا لَهُمْ دَفَائِنَ الْعُقُولِ، وَيُرُوهُمْ آيَاتِ الْمَقْدِرَةِ: مِنْ سَقْف فَوْقَهُمْ مَرْفُوع، وَمِهَاد تَحْتَهُمْ مَوْضُوع، وَمَعَايِشَ تُحْيِيهِمْ، وَآجَال تُفْنِيهمْ، وَأَوْصَاب(5) تُهْرِمُهُمْ، وَأَحْدَاث تَتَابَعُ عَلَيْهِمْ،
Allah never allowed His creation to remain without a Prophet deputised by Him, or a book sent down from Him or a binding argument or a standing plea. These Messengers were such that they did not feel little because of smallness of their number or of largeness of the number of their falsifiers. Among them was either a predecessor who would name the one to follow or the follower who had been introduced by the predecessor.
لَمْ يُخْلِ اللهُ سُبْحَانَهُ خَلْقَهُ مِنْ نَبِيٍّ مُرْسَل، أَوْ كِتَاب مُنْزَل، أَوْ حُجَّة لاَزِمَة، أَوْ مَحَجَّة قَائِمَة، رُسُلٌ لا تُقَصِّرُ بِهِمْ قِلَّةُ عَدَدِهِمْ، وَلاَ كَثْرَةُ المُكَذِّبِينَ لَهُمْ: مِنْ سَابِق سُمِّيَ لَهُ مَنْ بَعْدَهُ، أَوْ غَابِر عَرَّفَهُ مَنْ قَبْلَهُ.

The Prophethood of Muhammad

مبعث النبي (صلى الله عليه وآله وسلم)
In this way ages passed by and times rolled on, fathers passed away while sons took their places till Allah deputised Muhammad (peace be upon him and his progeny) as His Prophet, in fulfilment of His promise and in completion of His Prophethood. His pledge had been taken from the Prophets, his traits of character were well reputed and his birth was honourable. The people of the earth at this time were divided in different parties, their aims were separate and ways were diverse. They either likened Allah with His creation or twisted His Names or turned to else than Him. Through Muhammad (S) Allah guided them out of wrong and with his efforts took them out of ignorance.
عَلَى ذْلِكَ نَسَلَتِ القُرُونُ، وَمَضَتِ الدُّهُورُ، وَسَلَفَتِ الاْباءُ، وَخَلَفَتِ الاْبْنَاءُ.
الَى أَنْ بَعَثَ اللهُ سُبْحَانَهُ مُحَمَّداً(صلى الله عليه وآله) لاِنْجَازِ عِدَتِهِ وَتَمامِ نُبُوَّتِهِ، مَأْخُوذاً عَلَى النَّبِيِّينَ مِيثَاقُهُ، مَشْهُورَةً سِمَاتُهُ، كَرِيماً مِيلادُهُ. وَأهْلُ الاْرْضِ يَوْمَئِذ مِلَلٌ مُتَفَرِّقَةٌ، وَأَهْوَاءٌ مُنْتَشِرَةٌ، وَطَرَائِقُ مُتَشَتِّتَةٌ، بَيْنَ مُشَبِّه للهِ بِخَلْقِهِ، أَوْ مُلْحِد في اسْمِهِ، أَوْ مُشِير إِلَى غَيْرهِ، فَهَدَاهُمْ بهِ مِنَ الضَّلاَلَةِ، وَأَنْقَذَهُمْ بمَكانِهِ مِنَ الجَهَالَةِ.
Then Allah chose for Muhammad, peace be upon him and on his progeny, to meet Him, selected him for His own nearness, regarded him too dignified to remain in this world and decided to remove him from this place of trial. So He drew him towards Himself with honour. Allah may shower His blessing on him, and his progeny.
ثُمَّ اخْتَارَ سُبْحَانَهُ لِمحَمَّد صلى الله عليه لِقَاءَهُ، وَرَضِيَ لَهُ مَا عِنْدَهُ، فَأَكْرَمَهُ عَنْ دَارِالدُّنْيَا، وَرَغِبَ بِهَ عَنْ مُقَارَنَةِ البَلْوَى، فَقَبَضَهُ إِلَيْهِ كَرِيماً صَلَّى اللهُ علَيهِ و آلِهِ،

The Holy Qur’an and Sunnah

But the Prophet left among you the same which other Prophets left among their peoples, because Prophets do not leave them untended (in dark) without a clear path and a standing ensign, namely the Book of your Creator clarifying its permission and prohibitions, its obligations and discretion, its repealing injunctions and the repealed ones, its permissible matters and compulsory ones, its particulars and the general ones, its lessons and illustrations, its long and the short ones, its clear and obscure ones, detailing its abbreviations and clarifying its obscurities.
وَخَلَّفَ فِيكُمْ مَا خَلَّفَتِ الاْنْبيَاءُ في أُمَمِها، إذْ لَم يَتْرُكُوهُمْ هَمَلاً، بِغَيْر طَريق واضِح، ولاَعَلَمٍ قَائِم.
كِتَابَ رَبِّكُمْ [فِيكُمْ:] مُبَيِّناً حَلاَلَهُ وَحَرامَهُ، وَفَرَائِضَهُ وَفَضَائِلَهُ، وَنَاسِخَهُ وَمَنْسُوخَهُ، وَرُخَصَهُ وَعَزَائِمَهُ، وَخَاصَّهُ وَعَامَّهُ، وَعِبَرَهُ وَأَمْثَالَهُ، وَمُرْسَلَهُ وَمَحْدُودَهُ، وَمُحْكَمَهُ وَمُتَشَابِهَهُ، مُفَسِّراً جُمَلَهُ، وَمُبَيِّناً غَوَامِضَهُ.
In it there are some verses whose knowledge1 is obligatory and others whose ignorance by the people is permissible. It also contains what appears to be obligatory according to the Book2 but its repeal is signified by the Prophet’s action (sunnah) or that which appears compulsory according to the Prophet’s action but the Book allows not following it.
Or there are those which are obligatory in a given time but not so after that time. Its prohibitions also differ. Some are major regarding which there exists the threat of fire (Hell), and others are minor for which there are prospects of forgiveness. There are also those of which a small portion is also acceptable (to Allah) but they are capable of being expanded.
بَيْنَ مَأْخُوذ مِيثَاقُ عِلْمِهِ، وَمُوَسَّع عَلَى العِبَادِ في جَهْلِهِ، وَبَيْنَ مُثْبَت في الكِتابِ فَرْضُهُ، وَمَعْلُوم في السُّنَّهِ نَسْخُهُ، وَوَاجب في السُّنَّةِ أَخْذُهُ، وَمُرَخَّص في الكِتابِ تَرْكُهُ، وَبَيْنَ وَاجِب بِوَقْتِهِ، وَزَائِل في مُسْتَقْبَلِهِ، وَمُبَايَنٌ بَيْنَ مَحَارِمِهِ، مِنْ كَبير أَوْعَدَ عَلَيْهِ نِيرَانَهُ، أَوْ صَغِير أَرْصَدَ لَهُ غُفْرَانَهُ، وَبَيْنَ مَقْبُول في أَدْنَاهُ، ومُوَسَّع في أَقْصَاهُ.

In this very sermon he spoke about Hajj

و[منها:] في ذكر الحج
Allah has made obligatory upon you the pilgrimage (Hajj) to His sacred House which is the turning point for the people who go to it as beasts or pigeons go towards spring water. Allah the glorified made it a sign of their supplication before His Greatness and their acknowledgement of His Dignity. He selected from among His creation those who on listening to His call responded to it and testified His word.
They stood in the position of His Prophets and resembled His angels who surround the Divine Throne securing all the benefits of performing His worship and hastening towards His promised forgiveness. Allah the glorified made it (His sacred House) an emblem for Islam and an object of respect for those who turn to it. He made obligatory its pilgrimage and laid down its claim for which He held you responsible to discharge it. Thus, Allah, the Glorified, said:
“. . . And (purely) for Allah, is incumbent upon mankind, the pilgrimage to the House, for those who can afford to journey thither. And whoever denieth then verily, Allah is Self-sufficiently independent of the worlds” (Qur’an, 3:96).
وَفَرَضَ عَلَيْكُمْ حَجَّ بَيْتِهِ الحَرَامِ، الَّذِي جَعَلَهُ قِبْلَةً لِلاْنَامِ، يَرِدُونَهُ وُرُودَ الاَنْعَامِ، وَيأْلَهُونَ إِلَيْهِ وُلُوهَ الحَمَامِ.
جَعَلَهُ سُبْحَانَهُ عَلاَمَةً لِتَوَاضُعِهمْ لِعَظَمَتِهِ، وَإِذْعَانِهِمْ لِعِزَّتِهِ، وَاخْتَارَ مِنْ خَلْقِهِ سُمَّاعاً أَجَابُوا إِلَيْهِ دَعْوَتَهُ، وَصَدَّقُوا كَلِمَتِهُ، وَوَقَفُوا مَوَاقِفَ أَنْبِيَائِهِ، وَتَشَبَّهُوا بمَلاَئِكَتِهِ المُطِيفِينَ بِعَرْشِهِ، يُحْرِزُونَ الاْرْبَاحَ فِي مَتْجَرِ عِبَادَتِهِ، وَيَتَبَادَرُونَ عِنْدَهُ مَوْعِدَ مَغْفِرَتِهِ.
جَعَلَهُ سُبْحَانَهُ لِلاِسْلامِ عَلَماً، وَلِلْعَائِذِينَ حَرَماً، فَرَضَ حَجَّهُ، وَأَوْجَبَ حَقَّهُ، وَكَتَبَ عَلَيْكُمْ وِفَادَتَهُ، فَقَالَ سُبْحَانَهُ: (وَللهِ عَلَى النَّاسِ حِجُّ الْبَيْتِ مَنِ اسْتَطَاعَ إِلَيْهِ سَبِيلاً وَمَنْ كَفَرَ فَإِنَّ اللهَ غَنِيٌّ عَنِ العَالَمينَ).

Alternative Sources for Sermon 1

(1) Al-Harrani, Tuhaf, 57;
(2) al-Kulayni, Usul al-Kafi, I, 140;
(3) al-Qadi al-Quda`i, Dustur, 153;
(4) al-Razi, Tafsir, II, 164;
(5) Ibn Talhah, Matalib;
(6) al-Zamakhshari, Rabi`, I, bab al-sama' wa al-kawakib;
(7) al-Wasiti, `Uyun, see al-Majlisi, Bihar, vol.77, 300, 423;
(8) al-Rawandi, Sharh, see Kashif al-Ghita', Madarik, 69;
(9) al-Tabarsi, al-'Ihtijaj, I, 150
  • 1."The foremost in religion (din) is His knowledge." The literal meaning of din is obedience, and its popular sense is code, whether literal sense is taken or the popular one, in either case, if the mind is devoid of any conception of Divinity, there would be no question of obedience, nor of following any code; because when there is no aim there is no point in advancing towards it; where there is no object in view there is no sense in making efforts to achieve it. Nevertheless, when the nature and guiding faculty of man bring him in contact with a superior Authority and his taste for obedience and impulse of submission subjugates him before a Deity, he finds himself bound by certain limitations as against abject freedom of activity. These very limitations are din (Religion) whose point of commencement is knowledge of Allah and acknowledgement of His Being.
    After pointing out the essentials of Divine knowledge Amir al-mu'minin has described its important constituents and conditions. He has held those stages of such knowledge which people generally regard as the point of highest approach to be insufficient. He says that its first stage is that with the natural sense of search for the unknown and the guidance of conscience or on hearing from the followers of religions an image of the Unseen Being known as Allah is formed in the mind. This image in fact is the forerunner of the obligation to thinking and reflection and to seeking His knowledge. But those who love idleness, or are under pressure of environment, do not undertake this search despite creation of such image and the image fails to get testified. In this case they remain deprived of Divine knowledge, and since their inaccess to the stage of testifying after the formation of image is by volition they deserve to be questioned about it.
    But one who is moved by the power of this image goes further and considers thinking and reflection necessary. In this way one reaches the next stage in the attainment of Divine knowledge, namely to search for the Creator through diversification of creation and species of creatures, because every picture is a solid and inflexible guide to the existence of its painter and every effect to the action of its cause.
    When he casts his glance around himself he does not find a single thing which might have come into existence without the act of a maker so much so that he does not find the sign of a footstep without a walker nor a construction without a builder. How can he comprehend that this blue sky with the sun and the moon in its expanse and the earth with the exuberance of its grass and flowers could have come into existence without the action of a Creator. Therefore, after observing all that exists in the world and the regulated system of the entire creation no one can help concluding that there is a Creator for this world of diversities because existence cannot come out of non-existence, nor can existence sprout forth from nothingness.
    The Holy Qur'an has pointed to this reasoning thus:
    ". . . What! about Allah is there any doubt, the Originator of the heavens and the earth ?. . ." (14:10).
    But this stage would also be insufficient if this testimony in favour of Allah is tarnished by belief in the divinity of some other deity.
    The third stage is that His existence should be acknowledged along with belief in Unity and Oneness. Without this the testimony to Allah's existence cannot be complete because if more gods are believed in He would not be One whereas it is necessary that He should be One. The reason is that in case of more than one god the question would arise whether one of them created all this creation or all of them together. If one of them created it there should be some differential to distinguish him otherwise he would be accorded preferential position without reason, which is unacceptable to the mind. If all have created it collectively then the position has only two forms; either he cannot perform his functions without the assistance of others or he is above the need for their assistance.
    The first case means his incapability and being in need of others while the other case means that they are several regular performers of a single act and the fallacy of both has already been shown. If we assume that all the gods performed the act of creation by dividing among themselves then, in this case all the creation will, not bear the same relationship towards the creator since each creature will bear relationship only to its own creator whereas every creature should have one and the same relationship to all creators.
    This is because all the creation should have one and the same relationship to all the creators as all the created in their capacity to accept effect and all the creators in their capacity to produce effect should be similar. In short there is no way but to acknowledge Him as One because in believing in numerous creators there remains no possibility of the existence of any other thing, and destruction proves implicit for the earth, the sky and everything in creation. Allah the glorified has expressed this argument in the following words:
    "Had there been in (the heavens and the earth [other] ) gods except Allah, they both had been in disorder. . ." (Qur'an, 21:22).
    The fourth stage is that Allah should be regarded free of all defects and deficiencies, and devoid of body, form, illustration, similarity, position of place or time, motion, stillness, incapability and ignorance because there can be no deficiency or defect in the perfect Being nor can anyone be deemed like Him because all these attributes bring down a being from the high position of the Creator to the low position of the created. That is why along with Unity, Allah has held purity from deficiency of equal importance.
    "Say: 'He (Allah) is One (alone). Allah, the needless.He begetteth not, nor is He begotten. And there is none like unto Him" (Qur'an, 112:1-4).
    "Vision perceiveth Him not, and He perceiveth (all) vision; He is the Subtle, the All-aware" (Qur'an, 6:104).
    "So coin ye not any similitudes to Allah; verily Allah knoweth (every thing) and ye know not." (Qur'an, 16:74).
    ". . .Nothing whatsoever (is there) like the like of Him; and He (alone) is the All-hearing and the All-seeing." (Qur'an, 42:11)
    The fifth stage of completing His Knowledge is that attributes should not be put in Him from outside lest there be duality in His Oneness, and deviating from its proper connotation Unity may fall in the labyrinth of one in three and three in one, because His Being is not a combination of essence and form so that attribute may cling to Him like smell in the flowers or brightness in the stars. Rather, He is the fountain head of all attributes and needs no medium for manifestation of His perfect Attributes.
    If He is named Omniscient it is because the signs of his knowledge are manifest. If He is called Omnipotent it is because every particle points to His Omnipotence and Activity, and if to Him is attributed the power to listen or to see it is because the cohesion of the entire creation and its administration cannot be done without hearing or seeing but the existence of these attributes in Him cannot be held to be in the same way as in the creation namely that He should be capable to know only after He acquires knowledge or He should be powerful and strong only after energy runs into His limbs because taking attributes as separate from His Being would connote duality and where there is duality unity disappears.
    That is how Amir al-mu'minin has rejected the idea of attributes being addition to His Being, presented Unity in its true significance, and did not allow Unity to be tainted with stains of multiplicity. This does not mean that adjectives cannot at all be attributed to Him, as this would be giving support to those who are groping in the dark abyss of negativism, although every nook and comer in the entire existence is brimming with His attributes and every particle of creation stands witness that He has knowledge, He is powerful, He hears, He sees. He nurtures under His care and allows growth under His mercy. The intention is that for Him nothing can be suggested to serve as an adjunct to Him, because His self includes attributes and His attributes connote His Self. Let us learn this very theme in the words of al-Imam Abu `Abdillah Ja`far ibn Muhammmad as-Sadiq (p.b.u.h.) comparing it with the belief in Unity adopted by other religions and then appreciate who is the exponent of the true concept of Unity.
    The Imam says:
    "Our Allah the Glorified, the Magnificent has ever had knowledge as His Self even though there was nothing to know, sight as His Self even though there was nothing to know, sight as His Self even though there was nothing to behold, hearing as His Self even though there was nothing to hear, and Potence as His Self even though there was nothing to be under His Potence. When He created the things and the object of knowledge came into existence His knowledge became related to the known, hearing related to the heard, sight related to the seen, and potence related to its object." (at-Tawhid by ash-Shaykh as-Saduq, p.139)
    This is the belief over which the Imams of the Prophet's family are unanimous, but the majority group has adopted a different course by creating the idea of differentiation between His Self and Attributes. ash-Shahristani says on page 42 of his book Kitab al-milal wa'n-nihal:
    According to Abu'l-Hasan al-Ash`ari, Allah knows through (the attribute of) knowledge, is Powerful through activity, speaks through speech, hears through hearing and sees through sight.
    If we regard attributes distinct from Self in this manner there would be two alternatives; either the attributes must have existed in Him from ever or they must have occurred later. In the first case we have to recognise as many eternal objects as the attributes which all will share with Him in being eternal, but "Allah is above what the people deem Him to have equals." In the second case in addition to subjecting Him to the alternations it would also mean that before the acquiring of the attributes He was neither scient, nor powerful, nor hearer nor beholder and this runs counter to the basic tenet of Islam.
    ". . . Allah hath decreed trade lawful and hath forbidden interest. . ." (Qur'an, 2:275)
    "And when you have finished the prayer remember Allah standing, and sitting, and reacting, and when ye are secure (from danger) establish prayer . . ." (Qur'an, 4:103)
    "O' ye men! eat of what is in the earth lawful and good and follow not the foot-steps of Satan; for verily he is an open enemy unto you." (Qur'an, 2:168)
    "(And) say thou: 'I am only a man like you, it is revealed unto me that your god is but one God, therefore whosoever desireth to meet his Lord, let him do good deeds, and associate not any one in the worship of his Lord'." (Qur'an, 18:110)
    "What! enjoin ye upon the people righteousness and ye forget your own selves? Yet ye read the scripture? What: do ye not understand?" (Qur'an, 2:44).
  • 2.About the Qur'an, Amir al-mu'minin says that it contains description of the permitted and the forbidden acts such as "Allah has allowed sale and purchase but prohibited usury." It clarifies obligatory and optional acts such as "when you have finished the prayer (of fear) remember Allah rising, sitting or lying and when you feel safe (from the enemy) then say the prayers (as usual)."
    Here prayer is obligatory while other forms of remembering (Allah) are optional. It has repealing and repealed verses such as about the period of seclusion after husband's death "four months and ten days" or the repealed one such as "till one year without going out" which shows that this period of seclusion should be one year. In particular places it permits the forbidden such as "whoever is compelled without being wilfully wrongful or transgressor, commits no sins."
    It has positive injunctions such as "One should not add anyone with Allah in worship." It has particular and general injunctions. Particular is the one where the word shows generality but the sense is limited such as "I have made you superior over worlds, O' Bani Isra'il." Here the sense of "Worlds," is confined to that particular time, although the word is general in its literal meaning. The general injunction is one which is extensive in meaning such as "Allah has knowledge of everything." It has lessons and illustrations lessons such as "Allah caught him in the punishment of this world and the next and there is lesson in it."
    "So seized him Allah, with the chastisement in the hereafter, and the life before (it)." (Qur'an, 79:25)
    "Verily in this there is a lesson unto him who feareth (Allah)." (Qur'an, 79:26)
    "A kind word and pardon is better than charity that is followed by injury, and verily Allah is Self-sufficient, the Most forbearing." (Qur'an, 2:263)
    "And remember when We made a covenant with you and raised the 'tur' (the Mountain) above you (saying), 'Hold ye fast that which We have bestowed upon you with the strength (of determination) and remember that which is therein so that you may guard (yourself) against evil'." (Qur'an, 2:63)
    "So we made it a lesson for (those of) their own times and for those (of their posterity) who came after them and an exhortation unto those who guard (themselves) against evil." (Qur'an, 2:66)
    "He it is Who fashioneth you in the wombs (of your mothers) as He liketh; There is no god but He, the All-mighty, the All-wise." (Qur'an, 3:5)
    "Obedience and a fair word; but when the affair is determined then if they be true to Allah, it would certainly be better for them." (Qur'an, 47:21)
    "O' those who believe! It is not lawful for you to inherit women against their will; and do not straiten them in order that ye may take a part of what ye have given, unless they are guilty of manifest lewdness; but deal kindly with them, and if ye hate them, it may be that ye hate a thing while Allah hath placed in it abundant good." (Qur'an, 4:19)
    "Say thou (unto the people of the Book), 'Dispute ye with us about Allah; whereas He is our Lord and your Lord, and for us are our deeds and for you are your deeds; to Him (alone) we are (exclusively) loyal?" (Qur'an, 2:139)
    "There is a lesson in it for him who fears Allah," and illustration as "The example of those who spend their wealth in the way of Allah is like a grain which grows seven ears each one of which bears hundred grains." It has unspecific and specific verses. Unspecific is one which has no limitation on specification such as "Recall when Moses told his people 'Allah commands you to sacrifice a cow.'" Specific is one where denotation is limited such as Allah says that "the cow should be such that it has neither been used for ploughing nor for irrigation fields." There is clear and obscure in it.
    Clear is that which has no intricacy such as "Verily Allah has sway over everything," while obscure is that whose meaning has complication such as "the Merciful (Allah) occupies the throne," whose apparent meaning gives the impression as if Allah is bodily sitting on the Throne although the intention is to press His authority and control. In it there are brief injunctions such as "establish prayer" and those of deep meanings such as the verses about which says:
    "That the sense is not known except to Allah and those immersed in knowledge." Then Amir al-mu'minin dilates upon this theme in a different style, he says that there are some things in it which are necessary to know, such as "So know that there is no god but Allah" and there are others which are not necessary to know such as "alif lam mim" etc. It has also injunctions which have been repealed by the Prophet's action such as "As for your women who commit adultery get four male witnesses and if four witnesses do appear shut such women in the house till death ends their life."
    This punishment was current in early Islam but was later replaced by stoning in the case of married women. In it there are some injunctions which repealed the Prophet's action such as "Turn your face towards Masjid al-haram" by which the injunction for facing Bayt al-maqdis was repealed. It also contains injunctions which are obligatory only at a particular time after which their obligation ends, such as "when the call for prayer is made on Friday then hasten towards remembrance of Allah." It has also indicated grades of prohibitions as the division of sins into light and serious ones - light such as "Tell the believers to lower their eyes" and serious ones such as "whoever kills a Believer wilfully his award is to remain in Hell for ever." It also contains injunctions where a little performance is enough but there is scope for further performance such as "Read the Qur'an as much as you easily can."
    "Verily your Lord, certainly is He the All-mighty, the All-merciful." (Qur'an, 26:9)
    "Say thou (O' Our Prophet Muhammmad) unto the believer men that they cast down their gaze and guard their private parts; that is purer for them; verily Allah is All-aware of what (all) ye do." (Qur'an, 24:30)
    "Not equal are those of the believers who sit (holding back) other than those hurt, and those who strive in the way of Allah with their wealth and their selves (lives). Allah hath raised the strivers with their wealth and selves (lives), in rank above those sitting (holding back); Unto all (in faith) Allah hath promised good; but those who strive, He hath distinguished above those who sit (holding [by]) a great recompense." (Qur'an, 4:95)
    "Verily, thy Lord knowest that thou standest up (in the Night Prayer) night two-third of the night, and (sometimes) half of it, and (sometimes) a third of it, and a group of those with thee; and Allah measureth (well) the night and the day; Knoweth He that never can ye take (correct) account of it, so turneth He unto you (mercifully) so recite ye whatever be easy (in the prayers) to be read of the Qur'an; Knoweth He that there may be among you sick, and others travelling in the earth seeking of the grace of Allah, and others fighting in the way of Allah, so recite ye as much as it can easily be done of it, and establish ye the (regular) prayers, and pay ye the (prescribed) poor-rate, and offer ye unto Allah a goodly loan; and whatsoever of good ye send on before hand for yourselves, ye will (surely) find it with Allah, that is the best and the greatest recompense; and seek ye the forgiveness of Allah; Verily, Allah is Oft-forgiving, the Most Merciful." (Qur'an, 73:20)