Panjtan-I Pak (debt solutions)

February 2nd, 2010 admin Posted in finance |

By Ibrahim Machiwala

”Panjtan-i Pak (the Blessed Quincunx), Ashbah al-Khmsa (the five shadows) or Ashab al-Kisa (persons of the mantle) is a term coined for the five holy bodies, i.e., the Prophet, Ali, Fatima, Hasan and Hussain. They were created out of the substance of Illiyyun (Bihar al-Anwar, 25:10). The Koran (83:18) says, “Nay! Most surely the record of the righteous shall be in the highest places (illiyyun).” The word illiyyun is the plural of illiy or illiyyah. It is derived from the Hebrew elyou meaning the highest. These five holy bodies were conceived in their mystical dimension as being a Light that God created before the creation of this universe. The Light descended in turn upon Adam and then upon each of the prophets until it became embodied in five holy bodies.

According to Bihar al-Anwar (25:24), “When God created Adam, the father of mankind, and breathed His spirit into him, Adam looked to the right hand side of the empyrean. There he saw five figures in the form of silhouettes. He asked: “God, have You created any one from the dust before me?” God replied: “No.” Adam said, “So who are these five figures which I see resembling my own shape?” God answered, “These are five of your offspring. If it were not for them, I would have not created you. They are five people whose names are derived from My Own. If it were not for them, I would have not created paradise or hell, the heavens and the earth, the skies and the lands, the angels, the human beings and the jinn. I am “Mahmud” and this is Muhammad. I am “Aala” and this is Ali. I am “Fatir”and this is Fatima, I am “Ihsan” and this is Hasan. I am “Muhsin” and this is Hussain. By My Glory, whoever bears even an atom’s weight of grudge against them will be cast into hell. O Adam! They are My chosen ones. For them, I will save or cast others to perdition. If you want anything from Me, you should resort to these five people.”

In the Tafsir of Tabari (12:5), it has been quoted from Abu Sa’id Khudari that the Prophet said, “The Koranic verse (33:33) has been revealed about five persons namely, myself, Ali, Fatima, Hasan and Hussain.” In Mushkilul Athar (1:332), Umm Salama is quoted as saying, “This verse was revealed with regards to the Prophet, Ali, Fatima, Hasan and Hussain.”

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Mumtaz Ali Tajddin S. Ali is an popular Ismaili Scholar, He has written many articles on Ismaili Imam, Ismailism, and Panjtan-I Pak from Encyclopedia of Ismaili.

Implausible Dream Comes True
Car Loans For Unemployed Students

By Jackob Martin

Even students without a steady job desire a car. It seemed an impossible task until car loans for students came into being for unemployed students. Financing institutions have understood the plight of many youngsters, and offer such loans. However, there is a catch. Typically these loans are secured loans. So, if the student fails to make payments at any point of time, the car will be repossessed by the lenders.

Car dealers and lenders may obligate the student to bring a cosigner. The cosigner is a security blanket for the loan providers. Car loan and student have a symbiotic relationship. The auto loan is secured by the vehicle itself. So, lenders can recoup the loan amount from the value of the car. On the other hand, the student has to remain current on the loan. In case of any indiscretion from the students side, the cosigner will be approached by the lenders. Cosigners can be parents, other family members, or even friends. And if they back out, the student loses the automobile.

There are several springs of car loan quote for students in the market. Banks, credit unions, lending institutions, and car dealers offer car loans to students, provided a reliable cosigner accompanies them. In any case it is advisable for students to shop around and check out all their options before picking a particular lender.

Two things to bear mind while looking for an auto loan:

1. Affordability: It is not just the loan payments, a list of other costs tag along with the car. Fuel, maintenance, insurance, and so on. So, students should carefully plan their budget. Purchase the car as a sound judgment and not under a whim.

2. Flexibility: Choose a lender that has the best car loan rates, yet offers some bending of repayment rules. For example, permission to make payments according to university course period.

Since most auto loans offered to students is without the basic requirements of steady income and good credit history, it is obvious that the new car loan rate will be higher. However, a cosigner with excellent credit rating can bring down the rates to some extent. Plus, arranging a larger down payment to cover a good portion of the principal slices the financing amount, and in turn reduces the interest burden.

Autodriver has the best team of experts to help you in your auto endeavors.

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Insolvent Persons: How to Obtain a Credit

By Max Wright

A lot of auto loan applicant do consider that every loaner wouldnt endorse their car loan after bankruptcy. Credit institutions get different points of view on after insolvency persons, while backlog collectors watch at them with disrespect. Creditors see those people with a paid off insolvency as a more improved loan risk than those people, who qualify for a credit, in spite of having poor credit. You will see that its really convenient to apply for a private auto loan after insolvency.

Lenders, who do not vacillate to endorse an automobile lending after insolvency has been stamped on the dossier of a credit claimant appreciate the function of a stated insolvency. A bankruptcy presents anyone, who has been burdened with loan an opportunity to start over. People can make a register of minimal concern to a creditor after they discharge and unpaid backlogs. You may also refinance an auto loan utilizing the Global Network services.

Typical individuals typically unite the phrase an automobile advance after insolvency with chapter 13 insolvency. If you want to pay off your debt in a term of 3-5 years, you must file for a chapter 13 bankruptcy.

A chapter 7 bankruptcy is done for corporations and industry possessors. The course of debt elimination for business possessors/corporation is near three or four months. After filing for a chapter 7 bankruptcy, people, who were pursued by debtors may obtain freedom from them.

Municipal record will register your filing just you file for insolvency. It remains a part of the municipal register for ten years. The usual bankruptcy is paid off from 3 to 5 months after applying of insolvency. Persons, who applied for the insolvency, can certainly chase their opportunity of receiving an automobile advance after insolvency.

While loaners welcome lending qualifications from people with a preceding insolvency, they also realize that those, who get a vehicle advance after insolvency may be answerable for the payment of other backlogs. Filing for bankruptcy will not erase all your debts. Probable debts that could beetle as a cloud over somebody with a preceding insolvency comprise kid maintenance and alimony, debts for individual injury due to drunk driving, college loans (when provided the government), fines for crime and debts devolved according to fraud (such as lying on a credit card qualification).

The man or woman, who has elected to submit for insolvency, must mention all of their backlogs. You cannot get those debts removed that werent comprised in the list while performing your bankruptcy application. If, however, that loaner occurs to see that a definite debtor has filed for insolvency, then that debtor may be supposed to remove the backlogs possessed by that bankrupt individual.

A rational consumer would make an attempt to list or call all relevant debtors, thus erasing as many debts as probable. In such situation youll have more chances to get endorsed for an automobile loan. It will also raise your opportunities for obtaining appropriate online auto loan lender.

Our company works in the sphere of automobile loan. Our company suggests you to refinance an auto loan. The internet source of our company will perform you a large amount of useful info on the theme. An online auto loan lender can be also found with the help of the firm. You will receive the best services utilizing our corporation.

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