“O Allah, suffice me with what You have allowed instead of what You have forbidden , and make me independent of all others besides You.”

(Reference: At-Tirmithi 5/560. See also Al-Albani, Sahih At-Tirmithi 3/180.)
~
This dua against debt is really brilliant, because the dua contains
within itself the solution to the problem. "Suffice me with what you
have allowed." Inother words, let the halal be enough for me. Don't
letme get myself into debt because of haram mortgage loans or
excessive material desire, or out-of-control consumerspending. Let me
be satisfied with a simple, halal life, so that I don't getinto debt.
If you repeat this often enough it becomes a part of your thinking and
awareness, and you modifyyour own behavior, which leads to: "make me
independent of all others besides You." You become your own man or
woman, not owing money to anyone, independent, relying only on Allah.
I'm not saying the dua is just an affirmation, I'm saying it works on
both levels, as an affirmation and as a prayer to Allah to help you
achieve that affirmation. It's a subtle and amazing dua.
Three Excellent Dua's Against Debt:
(note that #2 is the sameas the one above)
1) "Oh Allah, I take refugein You…"
Narrated by Abu Sa'id Al-Khudri (ra):
One day the Messenger of Allah (saw) entered the mosque. He saw there
a man from the Ansar (a resident of Madinah) called Abu Umamah and
said to him: "What is the matter that I am seeing you sittingin the
mosque when there is no time of prayer?" Abu Umamah said: "I am
entangled in sorrow and debts." The Prophet Muhammad (ra ) replied:
"Shall I not teach you words by which, when you say them, Allah will
remove your sorrow, and settle your debts?" Abu Umamah said: "Yes,
Messenger of Allah." The Prophet Muhammad (ra ) said: "Say in the
morning and evening: Allahumma inni 'auzu bika min alhamma wal 'huzn,
wal 'ajzi wal kasali wal bukhli wal jubn, wa dhala'iddini wa
'galabatir rajaal." (See here for the arabic text).
'O Allah, I take refuge in You from anxiety and sorrow, weakness and
laziness, miserliness and cowardice, the burden of debts and from
being overpowered by men.'
Abu Umamah said: "When Idid that Allah removed my distress and settled
my debt." [Abu Dawood]
2) "O Allah, grant me enough…"
Ali radi Allahu `anhu said that a slave, who had made a contract with
his master to pay for his freedom, came to him and said, "I am unable
to fulfil my contract, so help me." He said, "Shall I not teach you
some words which Allah's Messenger (ra) taught me, and which evenif
you had a debt as large as a mountain Allah would pay it for you?":
Allahumma akfini bihala lika an haramika wa aghnini bi fadhlika am-man siwak.
"O Allah, grant me enough of what You make lawful that I may dispense
of with what You make unlawful, and make me independent, by Your
bounty, of other than You." [At-Tirmidhi]
3) "O Allah, Sovereign of all…"
The Prophet (saw) said to Muadh radi Allahu `anhu, "Should I not teach
you a supplication which, when used to implore Allah, Allahshall pay
your debt, even itbe as huge as Mount Uhud?He then mentioned:
Allahumma Maalik al-mulkitu'til-mulka man tasha' u wa tanzi'ul mulka
mimmantasha', wa tu'izzu man tasha' u wa tudhilu man tasha', bi yadika
al-khayr, innaka 'ala kulli shay'in qadeer,
Rahmaan-id-dunyawa'l-aakhirah wa raheemahuma, tu'teeyahuma man tasha'
wa tamna' minhuma man tasha', irhamni rahmatan taghnini biha 'an
rahmati man siwaak.
"O Allah, Sovereign of all, You give dominion to whomsoever You will
and You take dominion away from whomsoever You will, You exalt
whomsoever You will and You bring low whomsoever You will. In Your
hand is all goodnessand You are able to do allthings. Most Merciful
and Most compassionate in this world and in the Hereafter, You give
them to whomsoever You will and withhold them from whomsoever You
will. Bestow mercy upon Me in such a manner that I have no need of the
mercy of anyone but You." [Tabarani]

NEWS - ~ Spanish bank bailout request welcomed

Spain's decision to request a loan of up to 100bn euros ($125bn;
£80bn) from eurozone funds to help shore up itsstruggling banks has
won broad support.
The International MonetaryFund (IMF) said the bailout was big enough
to restore credibility to Spain's banks.
Washington welcomed the measure as a vital step towards the "financial
union" of the eurozone.
The move was agreed during emergency talks between eurozone finance
ministers on Saturday.
IMF managing director Christine Lagarde said the plan for Spain should
provide "assurance that thefinancing needs of Spain's banking system
will be fully met".
"I strongly welcome the statement by the Eurogroup, which complements
the measurestaken by the Spanish authorities in recent weeksto
strengthen the banking system," she said.
"The IMF stands ready, at the invitation of the Eurogroup members, to
support the implementation and monitoring of this financialassistance
through regular reporting."
US Treasury Secretary Timothy Geithner welcomed the latest movesas
"important for the health of Spain's economy and as concrete steps on
the path to financial union, which is vital to the resilience of the
euro area".
Crisis jargon buster
Use the dropdown for easy-to-understand explanations of key financial terms:
Capital
Capital
For investors, it refers to their stock of wealth, which can be put to
work in order to earn income. For companies, it typically refers to
sources of financing such as newly issued shares.
For banks, it refers to theirability to absorb losses in their
accounts. Banks normally obtain capital either by issuing new shares,
or by keeping hold of profits instead of paying them out as dividends.
If a bank writes off a loss on one of its assets - for example, if it
makes a loan that is not repaid - then the bank must also write off a
corresponding amount of its capital. If a bank runs out of capital,
then it is insolvent, meaning it doesnot have enough assets torepay
its debts.
Glossary in full
France's Finance Minister Pierre Moscovici said the deal would
"contribute to restoring confidence in the eurozone".
'Not a rescue'
Earlier, Spanish Economy Minister Luis de Guindos announced that his
countrywould shortly make a formal request for assistance.
He said the help would be for the financial system, not the economy as
a whole. "This is not a rescue," he said.
Mr De Guindos said the aid would not come with new austerity measures
attached to the economy. Spain has already imposed strict economic
reforms in a bid to tackle its debt problems.
The loan will bolster Spain's weakest banks, left with billions of
euros worth of bad loans following the collapse of a property boom and
the recession that followed.
Some banks borrowed large amounts on the international markets to lend
to developers and homebuyers, a riskier strategy than funding it with
deposits from savings.
The exact amount that Spain will receive will be decided after the
completion of two audits of its banks, due to be completed by the end
of June.
The money will come from two funds created to help eurozone members in
financial distress - the European Financial StabilityFacility (EFSF)
and the European Stability Mechanism (ESM), which enters into force
next month.
Investors have recently demanded higher and higher costs to lend to
Spain, making it too expensive for the country to borrow the money
needed for a bank rescue from the markets.

Tips for - Independace Day

Those who expect to reap blessings of freedom, must, like men, undergo
the fatigue of supporting it. Happy Independence Day
@
Life is ful of vibrations,not of bombs But of harmony n happiness njoy
vth ful masti,spirituality n rhythm. Happy Independence Day
@
God grants liberty only to those who love it, and are always ready to
guard it and defend it.
@
we live in a funny nation, where pizza reaches homefaster than the
ambulance or police.. . . . . . Happy Independence Day
@
CARRIED VTH CARE. COATED VTH PRIDE. DIPPED IN LOVE. FLY IN GLORY.
MOMNTS OF FREEDOM P R OU D 2 B Indian Happy Independace Day
@
On Independence Day Here`s wising our dreams of a new tomorrow come
true for us... NOW AND ALWAYS!

Tell the truth and watch your relationships shine

"O you who believe! be careful of (your duty to) Allah and be with the
true ones." – Quran 9:119
The Messenger of Allah (pbuh) said,
"You must be truthful, for truthfulness leads to righteousness and
righteousness leads to Paradise. A man will keep speaking the truth
and striving to speak the truth until he will be recorded with Allah
as a Siddeeq (speaker of the truth). Beware of telling lies, for lying
leads to immorality and immorality leads to Hellfire. A man will keep
telling lies and striving to tell lies until he is recorded with Allah
as a liar." (Muslim)
Ali Ibn Abi Talib (ra) said: "The truth teller achieves three things:
trust, love, and respect."
You know the expression, "The truth shall set you free?" It might be
amended to say, "Telling the truth shall set you free."
Being honest is liberating. It might be difficult or emotionally
uncomfortableat times, but it's so much more freeing to the spirit
than lying, or living a lie. We don't have to remember what lies we
told to whom, or whether someone will uncover something from our
pasts. We don't have to feel like hypocrites for speaking words we
don't really mean.
The Body Tells the Truth
Did you know that a liar is betrayed by his own body?We all know about
the obvious signs that are monitored by lie detectors, such as
increased body temperature (manifested visually as sweating), and
raised blood pressure. But there are many other signs that are
detectable visually.If you live in the USA you may have seen the
television drama "Lie to Me", about a scientist who acts as a human
lie detector by studying body language and facial "micro-expressions".
This is based on real science.
For example, when people are lying, they generally avoid eye contact.
Frequently, liars will gaze downward and to the right. Another sign is
that liars often fidget, moving hands or feet, drumming fingers, or
adjusting clothing. Also, liars may subconsciously try to "hide" the
lie by covering their mouths, or making a motion that is symbolic of
covering the face, such as touching the nose or an eye. These are all
attempts to cover up the lie, and are a subconscious expression of
shame. Lastly, the liar may fold his arms or cross his legs, which are
defensive gestures, as if he is trying to cover himself up.
SubhanAllah. Even when a person's mind is willing to lie, the body is
not. It's as ifa part of him is adhering to fitra , the pure nature of
every human being, and is unwilling to go along with the sin.
After all, the body is alwaysin a state of submission to Allah. The
heart beats as Allah made it to do, the blood flows, the nerves fire,
the cells generate energy, carry oxygen or process waste, white
bloodcells attack invaders… all these autonomous processes go on
without conscious thought, obeyingthe imperatives given to them by
Allah. This is an expression of Islam at the most basic level. So even
when a person's tongue may commit a sin by lying, on a deeper level
the body is still in submission.
In fact, everything in existence submits to Allah and praises Him, and
functions as a sign of His power. Allah says,
"Do you not see that Allah is exalted by whomever is within the
heavens and the earth and [by] the birds with wings spread [in
flight]? Each has known his [means of] prayer and exalting [Him], and
Allah is Knowing of what they do.
And to Allah belongs the dominion of the heavens and the earth, and to
Allah is the destination.
Do you not see that Allah drives clouds? Then He brings them together,
then He makes them intoa mass, and you see the rain emerge from within
it. And He sends down from the sky, mountains [of clouds] within which
is hail, and He strikes with it whom He wills and averts it from whom
He wills. The flash of its lightening almost takes away the eyesight.
Allah alternates the nightand the day. Indeed in that is a lesson for
those who have vision.
Allah has created every [living] creature from water. And of them are
those that move on their bellies, and of them are those that walk on
two legs, and of them are those that walk on four. Allah creates what
He wills. Indeed, Allah is over all things competent." ( Quran 24:
41-45)
All of the things described in these verses exist in submission to
Allah. Only we, children of Adam (and the jinn), have been given the
ability to disobey. When we rebel – and that includes lying – we come
into conflict with Allah, with society, with all other living
creatures, with the weather that surrounds us, and even with the night
and day!
Last but not least, we comeinto conflict with our own bodies. How
could that be anything but harmful? Isn'tit a sign to us that lying is
wrong on a very deep level?