God is one: who would disprove it?

Belief in one God, Allah in Arabic, constitutes the very foundation of Islam. There is no deity except Allah. He is indivisible and absolutely transcendent. God is the Almighty, the Creator and the Sustainer of the universe, Who is similar to nothing and nothing is comparable to Him.

The basic message of Islam is that God (Allah in Arabic) and His creation are distinctly different entities. Neither is Allah His creation or a part of it, nor is His creation Him or a part of Him. This might seem obvious, but, man's worship of creation instead of the Creator is to a large degree based on ignorance of this concept. It is the belief that the essence of Allah is everywhere in His creation or that His divine being is or was present in some aspects of His creation, which has provided justification for the worship of creation, though such worship may be called the worship of Allah through his creation.

However, the message of Islam as brought by the prophets of Allah is to worship only Allah and to avoid the worship of his creation either directly or indirectly.
(Read more: The True Religion)

Say: He is God, the One and Only; God, the Eternal, Absolute; He begets not, nor is He begotten; And there is none like unto Him. (Surah 112)

God is He, than Whom there is no other god;- Who knows (all things) both secret and open; He, Most Gracious, Most Merciful. God is He, than Whom there is no other god;- the Sovereign, the Holy One, the Source of Peace (and Perfection), the Guardian of Faith, the Preserver of Safety, the Exalted in Might, the Irresistible, the Supreme: Glory to God! (High is He) above the partners they attribute to Him.

He is God, the Creator, the Evolver, the Bestower of Forms (or Colors). To Him belong the Most Beautiful Names: whatever is in the heavens and on earth, doth declare His Praises and Glory: and He is the Exalted in Might, the Wise. (59:22-24)

Property, Real estate slump in Lahore Pakistan: Massive Immigration and Migration to foreign countries

Due to slump and terrorism, people are not investing their money in real estate in Lahore. Few property dealers told me that no sale purchase is taking places for last six months. Property sale purchase is badly affected due to terrorism attacks in Lahore and current law enforcing agencies operation in Swat and adjacent areas. Once I listed my plot for sale on Dubai property website. One dealer joked that there is one bomb attached to each plot in Pakistan. I told him that law and order situation is not as bad but at least it shows bad impression of law and order situation in Pakistan.
Rich and professional people are quickly immigrating to advanced social welfare countries like Canada, Arab countries, UK, USA and many European countries. Countries like Canada are considered heaven in Pakistan. This migration is taking place due to law and order situation, lack of sense of security and electricity load-shedding in Pakistan.
According to many property dealers comments I learnt that property sale purchase is at minimum level these days. In one of my property survey which I conducted across Lahore, I found that people have set their own wishful prices for their properties but there are very few sellers. People are not ready to take risks. People are avoiding any types of investment due to slump and poor safety situation in Pakistan. These days I am searching any cheap home for our family residence. I am unable to find any good home due to the fact that people are not ready to sell their property at lower prices. Despite this property slump, people are waiting for any good time in future where they may get higher prices for their property. However by analyzing situation in Pakistan one can easily infer that such time would not come in near future. However needy people, business changers, immigration and migration seekers are selling their property at lower prices.
Further many routes in Lahore are closed due to constructions of bridges and roads. In the absence of alternative routs, constructions of these bridges and roads have doubled the distance to central places of Lahore. These blockages of routes have caused people to shift to other places by selling their properties at lower rates.

In response to this articles I received a letter from a person. After proofreading, letter is provided as it was sent to me. "I do not agree with the first paragraph of your email. People are moving out of country for some other major reason then load shedding and even law and order issue come later. The main reasons for migration are to find a better job, getting higher education or money. Pakistan are producing more professional but not providing enough jobs. The job salary are also very low compare to the prices these days. The main charm to work outside the country is to make more money to take care of their families which is very hard in Pakistan these days. But regardless of the above the percentage of immigrants are very low compare to the Pakistani population and few numbers of people who are selling their properties and going out of country should not effect the country's economy or local market. Regarding Properties values, in the whole world the property values went up around 5 years ago and now they are coming back down. In USA prices already went down and its a good buyer market, in Dubai the storm just hit there and it will take time to be normal. In Pakistan the prices of the properties are going down gradually as there is less buyer and more house out there for sale."

My reply to this letter "At least you have acknowledged that people are migrating to foreign courtiers for better future. Please note that law and order situation, safety and economy are very important factors." Here I concede that basically people migrate to rich countries like UAE, Saudi Arabia, Canada, USA, Britain and European countries for earning money. Pakistani expatriates in these countries are taking ten times more salaries than they take in Pakistan. However there are many other reasons. Daily life stress and societal strifes are common in Pakistan. Many people told me that they left Pakistan because they were sick of bad system and frequent quarrels in Pakistan. There societal conflicts and poverty. General people earn money by having fights and fraud. There exist too many disputes in property issues.

English for all like me: intermediate to Advance level

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Easy Math tricks for Dummies

This is the EasyCal Series of 30 Fast Math Tricks Videos. Its a Vedic style of mathematics that will help anyone of any age to solve math problems in 1 or 2 lines mentally. anyone that wants to advance in their career or make good grades in math class should download this series.
This is perfect for accountants, bank jobs, or any other positions that deal with mathematics.

Download:
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mobile phones are three time more than computers

Did you know?
There are three times more cellphones than computers in the world.
Daily mobile Internet usage has more than doubled in just one year

A treadeoff between Bonuses and people views

Goldman is no different from most Wall Street firms: it rewards bankers and traders who make lots of money.

“They do it because they can,” Michael Useem, professor of management at the Wharton School at the University of Pennsylvania, said of the bonuses. “But strategic thinking requires that you think not only about trading but also about reputation and where the bank stands in the court of public opinion.”

This much is indisputable: Goldman Sachs is minting money. Its third-quarter profits were powered in large part by aggressive trading in the fixed income and equity markets.

Its earnings were also bolstered by mark-ups in its own private equity stakes and other corporate investments, which have risen as markets have rallied this year. Its earnings from investment banking were down from the second quarter, it said, because of the seasonally weak summer months and because the second quarter had been enhanced by underwriting business as other banks had rushed to raise capital.

CFA or Financial Engineering

There are m,any areas in finance and banking. If you are keen in the treasury, quantitative risk management and derivatives, then financial engineering training is vital. However, if you are keen in analysing financial statements, the business of companies, equity / bond analysis, then a CFA is more relevant. In financial engineering, you will capitlise on computing and advanced probability and statistical methods to solve problem (without possibly understanding the business of the corporates that you are analysing). So it all depends on which area of banking you prefer.
CFA is a self-study certification well regarded in asset management industry (at least used to be).
mfe is a degree program that you can do part-time or full-time. it will get you into quantitative finance (or computational finance) roles, which are related to trading in the capital markets, eg you assist traders by churning out useful spreadsheets. very different from asset management. more brain power and less soft skills needed.