Wednesday, September 14, 2011

Clean Up and Change - March Towards Success - Repent to Allah


Everybody want to change, change towards good and better. This can only happen when Heart is changed. A clean heart, clear of all malice and sin can change to good.

One can clean his heart with repentance. The Doors of  Most Merciful And Most Beneficent are never closed. Just one has to walk the path towards Allah, the change will come, your prayers will be answered and success will be awarded in both world here and Here-after.




All praise is for Allah, Lord of all that exists. 0 Allah, send prayers and salutations upon our Prophet Muhammad,
his family, his companions, and all those who follow his way until the Last Day.( Peace Be Upon Him) PBUH
Allah (Most Exalted and Most Powerful) said: "Say: '0 'Ibadi' (My slaves) who have transgressed against themselves (by committing evil deeds and sins)! Despair not of the Mercy of Allah, Verily Allah forgives all sins. Truly, He is Of-Most Forgiving, Most Merciful.
Indeed, Allah (Azza Wa Jalla    ) has opened the door of repentance to every sinner. The Prophet ( PBUH)said : “Oh People repent to Allah for indeed, I repent to Allah 100 times everyday.”
It is truly encouraging to know that the door to repentance is always open, but what is more, Allah ( Azza Wa Jalla ) is actually happy when one of His slaves repents. It is important to note here that the keys to repentance are that a sinner must desist from his sin, feel regret for having perpetrated it, and then make a firm resolve not to return to it. Who among us does not sin? And who among us does all that is required of him in the religion? It is an undeniable fact that we all have shortcomings; what distinguishes some of us from the others, what raises some of us above the others, is that the successful ones among us are those who repent their sins and ask Allah ( ) to forgive them. Sadly, some people are guilty of thinking in this manner: "Those I see around me perpetrate minor sins, while I am guilty of perpetrating major sins, so what is the use of repenting!" True, such a person does well by finding fault with his own self, yet he makes a grave, ruinous error when he loses hope, when he underestimates Allah's Forgiveness and Mercy. 





To be sure, the door of repentance is open both to the perpetrator of minor sins and to the perpetrator of major sins. In regard to repentance, the following beautiful Hadith should inspire hope in us all: Ibn Mas'iid ( RA )narrated that the Prophet (PBUH ) said: "Indeed, Allah is more happy with the repentance of His slave than a man who stops in a barren, desolate land; with him he has his riding animal. He then goes to sleep. When he wakes up, he realizes that, his mount is gone. He searches out for it until he is on the verge of dying because the mount was carrying his supplies and provisions. He then says, 'I will return to the place wherein I lost it, and I will die there.' He went to that place, and he was then overcome by sleep. When he woke up, his mount was (standing) right beside his head, on it (still) was his food, his drink, his provisions, and the things he needed. Allah (Azza wa Jalla)is more happy with the repentance of his believing slave than the aforementioned man when (he finds) his mount and his provisions. "
This Hadith clearly illustrates that no one should become so hopeless that he refrains from repenting to Allah (Azza wa Jalla).
The Mercy of Allah To all confused and hopeless souls do I present this Hadith, which makes clear to us the vast Mercy of Allah (Azza wa Jalla ) and encourages us to repent to Him: Abu Sa'id Al-Khudri ( RA) narrated that the Prophet ( PBUH) Said "Among those who came before you was a man who killed 99 people. He then asked to be guided to the most prolific worshiper from the inhabitants of earth, and he was directed to a monk. He went to him and told him that he had killed 99 people, and he asked whether it was possible for him to repent. The Monk said, 'No.' The man killed him, thus making him his 100th (victim). He then asked to be directed to the most knowledgeable of earth's inhabitants, and he was guided to a scholar. He went to him and told him that he had killed 100 people, and he asked whether it was possible for him to repent. The scholar said, 'Yes, and who will stand between you and repentance. Go to such and such land, for in it dwell a people who worship Allah (Azza Wa Jalla ), So go and worship Allah (Azza Wa Jalla ) with them. And do not return to your land, for it is indeed a land of evil. He left and when he reached the half way point of his journey, he died. The angels of Mercy and the angels of Punishment disputed with one another (in regard to his case). The angels of Mercy said, 'He came to us repentant, advancing with his heart towards Allah ( Azza Wa Jalla ).' But the angels of Punishment said, 'Indeed, he never performed any good deeds.' Then an angel came in the form of a human being, and both groups of angels asked him to judge between them. He said, 'Measure the distance between the two lands. Whichever land he is closer to is the land that he is closer to (in terms of being of its people). They then measured the distance and found that he was closer to the land that he was heading towards, and so it was the angels of Mercy who then took his soul. "
[Al-Bukhari: 3470 and Muslim: 2766.]



The Messenger ( PBUH) attested to His Sincerity
When one repents sincerely for one's sin, one takes the best path to achieving the pleasure of Allah (Azza Wa Jalla ). The following Hadith illustrates an example of a true and sincere repentance. A woman from Juhainah once came to
the Messenger of Allah (PBUH  )and d confessed that she had committed adultery. She did not come simply to acknowledge her mistake; rather, she came, seeking to purify herself from her sin. She said, "0 Messenger of Allah, I have committed an offense that requires a specific punishment, so execute it upon me." The punishment for adultery is stoning, but it is rarely applied, for it can only be applied when four witnesses see a person not just kissing or hugging someone else, but actually being engaged in the act of adultery. But this woman came herself and confessed her sin. After she was stoned to death, the Prophet ( PBUH) prayed over her. 'Umar ( RA) said, "0 Messenger of Allah, you prayed over her despite the fact that she has committed adultery? 
'He (PBUH ) said: "She has indeed performed a repentance that, were it to be distributed among 70 people from the inhabitants of Madinah, would have been sufficient for them all. And have you ever found anyone that is better than a person who generously gives her soul for Allah (the Possessor of might and majesty)."




The Close Link Between Repentance and Worldly Blessings
Rain had not fallen for a long time, and as a result, the crops had withered away and the livestock had died. This was a specific time in the history of the Children of Israel, during the era of Moosa (Alaihisalam). The situation had become quite dire, and so, along with the common people, Moosa Alaihisalam) and 70 men from the descendants of Prophets ( PBUH) left the city to invoke Allah (Azza Wa Jalla ) for rain. If one could have seen them all
gathered there in the desert, I am sure that he would have witnessed quite a moving scene: people raising their
hands with humility and invoking Allah with tears flowing down their cheeks, in a prayer session that lasted for three days. But even after three days of constant prayer, no rain fell from the sky. Moosa(Azza Wa Jalla ) said, "0 Allah, You are the One Who says: Invoke Me, and I will answer you. I along with Your slaves have indeed invoked you, and we are in a state of need, poverty, and humiliation." Allah (Azza Wa Jalla ) then inspired Moosa (Alaihusalam ) with the information that among them was he whose nourishment was unlawful (Haram), and among them was he whose tongue was constantly busy with slander and backbiting. And in so many words, Allah (Azza wa Jalla ) said: These deserve that I should send My anger down upon them, yet you demand mercy for them! Moosa ( Alaihisalam) said, "And who are they, my Lord, so that we can banish them from among ourselves?" Allah (Azza wa Jalla  ),the Most Merciful of the merciful ones said: "0 Musa, I am not One Who exposes (those who sin). Instead, 0 Musa, let all of you repent with sincere hearts, for perhaps they will repent with you, so that I will then be generous with My Blessings upon you."
Musa (Alaihisalam   )announced that everyone should gather around him. When everyone was gathered together, Musa (Alaihisalam ) told them what Allah ( Azza wa Jalla ) had revealed to him, and the sinners referred to above listened attentively to his words. They committed grave sins, yet Allah ( Azza wa Jalla) protected them from exposure and shame. Their eyes swelled with tears, and they raised their hands, as did the rest of the people who were there. They said, "0 our God, we have come to You, fleeing from our sins, and we have returned to Your door, seeking out (Your help); so have mercy on us, 0 Most Merciful of the merciful ones." They continued to repent in that manner until relief came and rain descended from the sky.



When Government Pay for Rich, Poor gets Poorer - This is called capitalism


U.S. poverty totals hit a 50-year high

The governments efforts to save the banks is basically paying poor people's money ( stealing and extorting) and giving it to rich to enjoy life. The whole exercise of QE1 and QE2 are just efforts in saving the funding lobbies and their interest so that they can get funding for next elections. All these easing has made life more difficult for the poor. It has made basic staple food affordability not only in poor countries but also in USA. More than 15% are poor who can have healthcare, housing and education. 

Unless and until government change its policies and methods how so called free market work( there is no free market in fact, there are many interventions and QE which really distorted it.)
Let us clean the system, remove the toxic, stop all types of gambling( derivatives, futures and options).

Then and then we can see peace in this world, where poor gets justice.

In a grim portrait of a nation in economic turmoil, the government reported that the number of people living in poverty last year surged to 46.2 million — the most in at least half a century — as 1 million more Americans went without health insurance and household incomes fell sharply.

The poverty rate for all Americans rose in 2010 for the third consecutive year, matching the 15.1% figure in 1993 and pushing many more young adults to double up or return to their parents' home to avoid joining the ranks of the poor.

Taken together, the annual income and poverty snapshot released Tuesday by the U.S. Census Bureau underscored how the recession is casting a long shadow well after its official end in June 2009.

And at the current sluggish pace of economic growth, analysts don't expect many of these indicators of economic and social well-being to turn better soon.

Census officials wouldn't say definitively what caused the surge in poverty, but it was evident that the root of the continuing misery was the nation's inability to create jobs.

The total number of Americans who fell below the official poverty line last year rose from 43.6 million in 2009. Of the 2.6-million increase, about two-thirds of the people said they did not work even one week last year.

Those with jobs were much less likely to be poor, but the recession and weak recovery have wiped out income gains of prior years for a broad spectrum of workers and their families. Inflation-adjusted median household income — the middle of the populace — fell 2.3% to $49,445 last year from a year ago and 7% from 2000.

"It's a lost decade for the middle class," said Sheldon Danziger, a poverty expert at the University of Michigan.

The number of poor children younger than 18 reached its highest level since 1962, said William Frey, a demographer at the Brookings Institution.

Poverty reached a record high for Latino children, who Frey said accounted for more than half the overall increase in poor children last year.

Blacks had the highest child poverty rate at 39%, up more than 3 percentage points from last year.

Overall, poverty was generally higher than the national rate in states with high unemployment and in the South. Mississippi had the highest poverty rate last year, at 22.7%, and New Hampshire had the lowest, 6.6%.

The share of Californians who fell below the poverty line rose last year to 16.3%, up a full percentage point from 2009.

The state's median household income, meanwhile, plunged 4.6% to $54,459 — marking the largest single-year decline on record, according to the California Budget Project.

Christopher Noack, 25, had little choice last year but to move back into his parents' home in the Central California town of Salida. The high school graduate tried to support himself on retail jobs and, for a while, lived in an apartment with a friend, even taking on extra household chores to pay a lower share of rent. But that wasn't enough.

"It feels like life is on hold," said Noack.

"Every now and then, I will see someone who I used to know in high school, who I know got a job. They will be having a business lunch or be on the way to the airport, and one out of 10 times I will get a twinge of jealousy because, just simply, I don't know anybody who could get me on a path like that."

Noack's frustrations are shared by many others in his age group, including college graduates.

Overall, the number of 25- to 34-year-old men and women who were living with their parents last spring totaled 5.9 million — a 25.5% increase since the recession began in 2007.

Nearly half of this group would have been counted as among the poor had they been out on their own, according to Trudi Renwick, chief of poverty statistics for the Census Bureau.

"The next generation is going to be terribly punished if we don't find more jobs," said Timothy M. Smeeding, director of the Institute for Research on Poverty at the University of Wisconsin. Studies have shown the effects of recessions and job losses can hurt a worker's earnings for many years into the future.

The census report, coming shortly after President Obama unveiled a proposed $447-billion package of tax cuts and spending to revive job growth and the recovery, was seen as intensifying the debate over the government's role in helping the poor and unemployed at a time of budget deficits and painful cutbacks in public services.

Unemployment benefits, the Census Bureau said, helped lift about 3 million people above the poverty line, and Obama's latest proposal includes continuing the aid.

The report "underscores yet again why these programs must be maintained to rebuild the economy," said Christine Owens, executive director of the National Employment Law Project, referring to unemployment insurance and Social Security benefits.

But conservative groups expressed their concerns about Americans' growing reliance on such programs, including government health insurance.

"It raises the issue of whether we can afford this," said Nina Owcharenko, director of health policy studies at the Heritage Foundation. "These entitlement programs are unsustainable."

The census report found more Americans again lost health insurance in 2010, continuing a decade-long erosion in coverage that pushed the percentage of uninsured to 16.3%, the highest ever recorded.

But the decline in health coverage slowed from 2009 to 2010 and was not statistically significant, according to census analysts.

The number of young people ages 18 to 24 who had insurance increased significantly, possibly reflecting the effect of the new healthcare law, which allows dependents up to age 26 to remain on their parents' health plans.

The decline in insurance coverage was fueled largely by employers dropping health benefits as healthcare costs continued to rise, a trend that has reduced the percentage of Americans who get health benefits through work from a peak of 65.1% in 2000 to 55.3% last year.

During that period, the average annual premium for an employer-provided family health plan more than doubled to $13,770 from $6,438, according to surveys by the nonprofit Kaiser Family Foundation.

As Americans lost coverage through work, they have increasingly relied on government programs such as Medicaid.

"The real policy take-away is the importance of protecting the safety net," said Families USA Chief Executive Ron Pollack, a leading consumer advocate. "Medicaid is the lifeline."

By the Census Bureau's latest measure, the poverty threshold last year was an income of $11,139 for one person and $22,314 for a family of four.

Lorenzo Williams, 25, of Hesperia is well below that threshold.

After his hours as a store clerk at the local Salvation Army had been cut twice, reducing his monthly earnings of about $1,500 to about $600, the high school graduate had to move from his one-bedroom apartment to a small two-bedroom unit to share costs with a roommate. With $166 a month in food stamps, he barely gets by.

Williams said he goes to job fairs, but the lines are long, the competition tough. He now plans to begin Bible studies next year and become a pastor.

The official poverty rate doesn't count food stamp benefits and low-income tax credits as income

If those programs, which totaled about $150 billion last year, were included, millions more people would have been counted as being above the poverty line.

At the same time, analysts said, other factors understate the extent of people struggling to meet their basic needs.

Experts agree that the government's poverty thresholds, designed in the early 1960s, don't reflect people's spending and living needs in today's economy.

The Census Bureau is scheduled to release alternative measures of poverty in October.

don.lee@latimes.com

noam.levey@latimes.com

alejandro.lazo@latimes.com

Monday, September 12, 2011

JP Morgan Chief Says Bank Rules 'Anti-US'

http://www.cnbc.com/id/44481524

America Should Pull Out of Basel - Because they are Anti American
America is Out of Kyoto - Because they are Anti America
America is Out of ICC - It is illegitimate


What suits to America is Americanism - What suits to World and Principle of Justice is Anti America - This is what exactly Americanism


New international bank capital rules are “anti-American” and the US should consider pulling out of the Basel group of global regulators, Jamie Dimon, chief executive of JPMorgan Chase, has said.


In an interview with the Financial Times, Mr Dimon said he was supportive of forcing banks to have more capital but argued that moves to impose an additional charge on the largest global banks went too far, particularly for American banks
The Basel III capital rules are designed to make the financial system safer by making banks build up risk-absorbent “core tier one” capital to at least 7 percent of risk-weighted assets. The biggest, including JPMorgan [JPM  32.08    -1.43  (-4.27%)   ] , have to reach 9.5 percent.
“I’m very close to thinking the United States shouldn’t be in Basel any more. I would not have agreed to rules that are blatantly anti-American,” he said. “Our regulators should go there and say: ‘If it’s not in the interests of the United States, we’re not doing it’.”
Mr Dimon also criticised global liquidity rules, arguing that regulations that viewed covered bonds – a European market feature – as highly liquid but discounted government-backed mortgage-backed securities in the US were unfair and that other details hit investment banking activity core to US banks hardest.
Regulators say all countries compromised on agreeing the rules, which put eight banks – five from outside the US – in the top level of capital. But Mr Dimon said there was a threat that Asian banks, in particular, could take US market share because of the combination of US domestic and global rules.

“I think any American president, secretary of Treasury, regulator or other leader would want strong, healthy global financial firms and not think that somehow we should give up that position in the world and that would be good for your country,” said Mr Dimon. “If they think that’s good for the country then we have a different view on how the economy operates, how the world operates.”
US banks are struggling to deal with new regulations and litigation, both stemming from the financial crisis. Mr Dimon said it could be “three to 10 years” before the industry emerged from lawsuits brought by investors looking for compensation for the losses incurred on structured products underpinned by bad mortgages.
He said he was ready to agree a settlement over lax servicing and foreclosure standards that is expected to see the industry pay $20 billion in penalties. But he said banks could not be placed in “double jeopardy” and needed an appropriate release from legal liability

Ready ........ Get ......... Set ............ Go.... Get Ready for Crash

The Market is Jittery......... Peoples and Leaders are Worried


I don't know know why they are worried?
Whom these leaders really represents?
The billions of poor who voted them to power or few millions who finance their election bids.
These leaders always looks at the lobbies for financing their election bids and these comes with price. 
This price tag is many times very high and at the cost of those voted them to power.
This is why they care and financed the gambling of rich, the rescue of banks and the different measures to avoid the crash is nothing more than the sucking blood of poor.
More and more people are getting hungry and poorer. The basic necessity of life Food is becoming more and more non affordable to them.


Let their be crash and this will start of cleaning of toxic in the system. This will make food more affordable for poor. 


This crash will not solve the problem unless and until we remove the causes from the system which made this crisis.


The financial system needs cleaning and this is painful. There is no other solution.


Let there be crash.......... it will be good for market.



Wednesday, September 7, 2011

Change is Awaited?

Starbucks CEO: Tell lawmakers to get along

How the things will move from here?

With 47 USD in commitment, will it be any solution. With all best efforts, there is only one way to go, stop playing. Stop playing with live lives of innocent people. This paying for rich is making more people hungry. There is only one solution, clean all toxic from system. Clean the system of poison and then only it can start growing.

Stop all such products which created these toxic in the system. Make the system more clean, transparent and accountable. No one is above the boards, every one should be held accountable including USA and its nationals for destroying the global financial system, and putting millions of poor to death for increasing food prices. This finanial system and fiat money is at core of problem.

The real problem is no body wants solution, they just want patch up, so that they can continue playing without accountability and governance. The present financial system will and can not do a solution.

Change is needed?

Change is awaited?

Let us Change this world........... for better and peaceful tomorrow.


What I see from here......... how the things will look like........

There is no currency against which dollar can go down, everyone in this world is fighting to lower the value of currency including Japan and Swiss and China. When there is no bench mark and free market as believed then what remains?

The dollar will be benchmarked against commodities, and specially food which no one will stop eating.

The commodities in general and food in particular will see very high price rise.

Oil ----------- 150 -170 USD next three years..............200-250............ 5 years.
Food ...........30%..50% up 3 years.........100% ...... 5 years
Commodities............ 30%........70% depending on type.

This will bring 30% new poor who can not efffort food. ( peoples without basic nessicities)
Millions more will die because of this............

Please if any one in this world has answer , please let me know,

Who is accountable for death of these millions ?

And Many more millions hungr?

Are these not criminals? Criminals of worst kind?

Let them all held accountable for their deeds?

Even if they are free and not held here, they will be punished there in final day of judgment? HERE AFTER?