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Question

1. Is RRSP (Registered Retirement Savings Plan) Halal? Retirement Savings plan in which individuals can contribute and withdraw money at the age of Retirement. 2. Is Employer - Matched RRSP halal? This is one of the benefits offered by the employer. In this, the employer matches the money put by the employee in the RRSP account every paycheck. 3. If halal, how to calculate zakaat for this? - 4. Is RESP (Registered Education Savings Plan) (it is voluntary) halal? This is a savings plan in which individuals contribute towards their children's college/ university education. Government also gives benefits by giving bonus to the account. 5. If halal, how to calculate Zakaat for this (for child)? (my comment, the parent has possession of this amount until the child comes to an age that University can be started).

Answer

All of these pension and retirement funds are haraam. Monies are invested in riba and even the contracts are riba agreements. Hence it is not permissible to voluntarily become involved in these schemes.

If it is a compulsory scheme, then the proceeds will be permissible and will belong to the beneficiary when the funds are actually received.

In a voluntary scheme, only the actual amount which was paid into the fund will belong to one. The excess will be haraam riba which is Waajibut Tasadduq. That is, the money must be given to the poor without niyyat of thawaab. This explanation

applies to all of these funds.

"Never will the Yahood and the Nasaara be satisfied with you until you follow their millat (ideology and way of life). Say: „Verily, the Guidance of Allah is the only

Guidance.‟ And should you never follow their vain desires (their kufr and immorality) after ILM has come to you, you will then have no friend nor helper against Allah." (Al-Baqarah, Aayat 120)

The satanic interfaith endeavour is not new. It is as old as Islam. Once the Yahood and Nasaara approached Rasulullah (Sallallahu alayhi wasallam) with an interfaith proposal which required diluting and compromising some principles of Islam. If Rasulullah (Sallallahu alayhi wasallam) accepted their interfaith offer of ‗harmony and coexistence', they (the mushrikeen) assured that they would accept Islam.

Responding and outrightly rejecting this kufr approach of the enemies of Islam, Allah Ta'ala revealed the aforementioned Aayat. The Aayat makes it abundantly clear that on the assumption that a settlement could be reached with the Yahood and Nasaara on the basis of a compromise of principles, then too, never will they be satisfied.

One demand of kufr will be followed by another demand since the plot is to eliminate Islam. Shaitaan operates silently, cunningly and by degrees does he lay his snare. Compromising even a single tenet of Islam is kufr aimed at the destruction of the Deen. All Muslims who are involved with the interfaith conspiracy are cogs in Shaitaan's plot to destroy Islam. The vilest characters who engage with the Yahood and Nasaara in the interfaith trap of Iblees are bootlicking molvies and sheikhs who are driven by their inordinate lust for dollars. The interfaith trap has been designed for the attainment of only one goal, and that is the destruction of Islam, and these evil molvies and sheikhs are all cogs in this Satanist machine. May Allah Ta'ala destroy them.

"We distribute their livelihood among them in this worldly life, and We elevate some of them above others in ranks, so that some may take others as servants." (Az-Zukhruf, Aayat 32)

It is the Order of Allah Ta'ala for mankind to be divided into a variety of classes. All cannot be wealthy, millionaires and billionaires. The affairs of the world would not function if entire mankind was wealthy and prosperous.

Rasulullah (Sallallahu alayhi wasallam) said: "Rizq is sealed, and the one of greed is deprived." Regardless of expertise and effort, Rizq will neither increase nor decrease. However, barkat increases or is depleted depending on obedience and disobedience.

The poor should not complain of their poverty. Those who despite working are unable to become wealthy, should not complain. They should not become despondent and frustrated. They should understand that their present condition has been chosen and ordered for them by Allah Ta'ala.

People should not waste. They should not spend on unaffordable luxuries when these are available on credit. Debt leads to extreme worry, despondency and frustration. However, these lamentable conditions are the consequences of greed and dissatisfaction with the amount of Rizq provided by Allah Ta'ala. One should understand, as mentioned in the Aayat, that everyone is not destined to be wealthy.

Spend within your means and never buy luxuries on credit. Be contented with your simple, frugal lifestyle which is within the means of your income. Then, Insha- Allah, there will be no worry and frustration.

Another important factor to remember is that sin brings in its wake depletion of barkat,

worry and frustration.

Once Hadhrat Wakee' (Rahmatullah alayh) offering Naseehat to his Student, Imaam Shaafi' (Rahmatullah alayh) said: "Ilm is a NOOR from Allah, and the Noor of Allah is not bestowed to a sinner."

Sinner in the context means a flagrant, shameless sinner such as the kind mentioned in the question on page 21. Ilm of the Deen - the Ilm of the Qur'aan and Sunnah - is Noor from Allah Ta'ala. This Noor settles in only the pure hearts of Mu'mineen. It bypasses hearts contaminated with the sins of zina, immorality, etc.

Sin darkens the heart. The darkened heart is a barrier for Noor-e-Ilm. It is on account of the filth and sin in which students indulge that they are deprived of true Ilm. True Ilm is not the mere Ibaarat (text) in the Kitaab. The text is merely the shadow of Ilm. Knowledge devoid of Noor is deviation and calamity. Such molvies invariably end up in obscenity, immorality, bootlicking and love of the dunya and money. They become the likes of the reverends, swamis, pundits and zindeeqs who are available nowadays plentiful - two for a cent. They are the hufaalah (rubbish) mentioned by Rasulullah (Sallallahu alayhi wasallam).

IMPORTANT ANNOUNCE- MENT

BY MUFTI AHMAD

KHANPURI

―I am clarifying that tomorrow (16 Rajab 1446/ 17 January 2025), in the majlis of Musalsalaat and Risaalatul Awaail, if any Aalim or student takes a photo or makes a video, he will not receive Ijaazah from me in the Musalsalaat nor in the Risaalatul Awaail.

It should also be known that, whether it is in a public or private gathering, I do not give permission for photos or videos to be taken.‖

Issued by Hazarat Mufti

Ahmed Khanpuri Saheb

Shaykhul Hadeeth,

Jaami'ah Islaamiyyah

Ta'leemud Deen,

Dhabel, India

Apple juice and the chemical-contact softening of gallstones

Sir-As a chemical engineer I enjoyed Axel Helmstädter's explanation (Oct 16, p 1376)1 of dissolution of gallstones by application of several organic solvents, anorganic acids, and mixtures of them. I was surprised that he did not mention the possible side effects.

As a doctor I would expect erosion of the epithelial lining of the intestines and airways, chemical pneumonia, and acute intoxication. Perhaps some of the cured patients had an acid-proof and solventresistant condition.

My wife has treated herself for gallstones. She took for 1 week 1 L apple juice daily and on the 7th day 1 cup of olive oil just before going to bed. She then lay on her left side during the night. Next morning the stones were collected in the stool. They were soft and brown. At the university hospital they were recognised as fatty stones. For easy collection of the stones the bowels can be cleaned by an oral dose of magnesium sulphate at noon and skipping of the evening meal on day 7.

In comparison with the chemical prescription, applejuice therapy is kinder to the human body and will have only some minor untasty side-effects.

R D ekkers

Regional Community Health Department of

South-Kennemerland, Section of Infectious

Diseases and Environmental Health,

PO Box 1622, 2003 BR Haarlem, Netherlands

IVF mix-up: Woman sues fertility clinic after giving birth to the wrong baby

26/02/2025Written by-

Sinenhlanhla MasilelaDigital Journalist, IOL

A 38-year-old Georgia woman in the United States is suing a fertility clinic after she gave birth to a child that was not hers and subsequently had to give the child to his biological parents after five months of raising him.

Krystena Murray, a white woman, realised something went wrong at the Coastal Fertility Specialists clinic when she delivered a black baby in December 2023.

During the in vitro fertilization (IVF) process, Murray chose a sperm donor of her race and also specified that she wanted a donor similar to her with dirty blonde hair and blue eyes.

After Murray gave birth to the child, she performed an athome DNA test, and it confirmed that she was not related to the child. She notified the fertility clinic, and they notified the child's biological family.

The parents sued Murray for custody, however, she voluntarily gave up the child after she was told she would lose the custody battle.

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