Stylish Handbags for Stylish Women

Accessories have been much important especially in the life of a woman. Women’s accessories are also important part of their fashion and the handbag is one of them, Of Course! She must have a stylish handbag according to her dressing and style if she wants to live in fashion. Handbags are not only the symbols of fashion but they also have some benefits. In fact in modern world a young woman can't live without chargeable miniature devices such as cell phones and iPods, so hand bags play a great role to carry all these gadgets very easily.

There are also ergonomic handbags available in the markets which lessen the stress on the back, shoulder and neck. The idea of ergonomic hand bags were introduced by designers Margery and Irwin Gaffin. Chiropractic and medical doctor’s support were utilized throughout the designing procedure. Fashionable handbags are typically used for several purposes but the crucial fact is they have to be stylish and fashionable. This job is wonderfully done by inspiration by introducing the most heart throbbing selective fashionable handbags. The stylish handbags have heavy work on special fashion fabric with modern styles, which helps in making them more attractive and demanding in the fashion market across the world. When you finally decide to grab a huge amount from your account for a stylish handbag, you will want to make sure that it is the genuine handbag you are buying, not the cheap knock-off.

With the fame and popularity of handbags in these days, its no wonder many companies are manufacturing knock-off handbags of Gucci, Louis Vuitton and other high-fashion and stylish handbag brands. If you are searching for something different, there are literally thousands of wonderfully crafted fashionable handbags and purses available at many online handbag stores and handbag shops. I would suggest to visit the market as well as online stores before you go for an expensive fashion accessory.

Biggest New York Mob Bust

Information regarding the criminals of the leading mafia groups of United States, arrested under the charges including murder, narcotics trafficking, extortion, robbery, illegal gambling, labor racketeering and and all about the structure of the mafia crime family.

Source: Forensic Science Colleges

Birthday is Racing with the Earth Around the Sun

Starting of just another day but with the call of a nice friend singing like a bird “Happy Birthday to you - may you have many many more” and it waken me up. For some moments, I was surprised oh…I got this day 26 times in my life but I still don’t know why am I having it again and again, in the same usual way??






                Grabbing my Birthday Cake with Vertu Ferrari in hand

I am so sure that I came into this world at right time and right place but it took me long time to figure it out and yet I still don’t know why am I in this world? I’ve completed 26 revolutions around the sun and it’s interesting to know that I always complete my revolution on 354^th day that means 11 days before the Earth do but I’m still on the same location – sounds confusing.

In the end, I want to thank all of you for being the part of my life in anyway and for helping me to get through the life. Well, I enjoyed my Birthday alone in the last years but now it’s the time to move forward for another round trip in the solar system and I wish I could find some new stars to shine with.  Birthday is the start-finish day of the race with the Earth around the Sun and everyday is the race day.

Muslim Kids Receiving Gifts From Israeli Friends!!!

Alas!

The WORLD really need awareness NOT that(Designed) the America and Israel marketing in the world against Muslims.

These are the pics that would tell you who is the real terrorist either Muslims, their kids or the People who sending these gifts.

YES! If resistance against these BEAUTIFUL gifts is terrorism, Muslims are terrorists.

YES! If fighting against the enemies of the nation is terrorism, Muslims are terrorists.

YES! If struggling for the Birth right of freedom and liberty is terrorism, Muslims are terrorists.

YES! If Saving the lives of our small children from the BOMBS(bigger than men) is terrorism, Muslims are terrorists

BUT! The question is who are the people sending these gifts and who are these kids writing their wishes "Die With Love" on BOMBS??? Are they Innocent? Are they at right to kill the civilians, their kids, women and elders living in Lebanon, Palestine, and other Arab areas???












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We, the Muslims are not terrorists as we're intentionally marketed through the world! Our great religion is the religion of peace, love, patience and sacrifice. Islam Doesn't allow us to spread and support this planned terrorism. We, the Muslims are ethically, morally and religiously against the terrorism and we are fighting against it, resisting it NOT making it!!!


Original Post at Sabbah.biz Israeli kids sends gifts of love to Arab kids

Dedicated Web Hosting Vs Colocation Web Hosting

Should you upgrade to a dedicated server services, collocate a server one more data center, or buy a personal server and house it within your own premises? There are a number of factors that will play a part in your final decision, but the most important will usually be the financial implications. Buying and continuing your own server is a serious financial undertaking, mainly if you plan to keep it on your own premises. However, it does offer advantages in the right conditions.

A dedicated server hosting plan is almost same in some features to a shared hosting plan. For a monthly fee you take full control over a whole server. As an alternative of sharing a single server with many other companies or websites you keep the benefit of the full machine. With the full disk space, high compression bandwidth, and processor speed are yours for the taking but this is also true with owning your own server. The difference is that you rent a dedicated server and all the equipment remains at the host’s data center. You can’t face the same initial which is a big benefit that a dedicated server holds. You don’t purchase a server and you don’t need to pay for suitable premises. In the long run there is also no need to pay for preservation, security, or for upgrading to a new server when the time close. Mainly you receive the offers of hiring without the cost of a server.

Colocation facilitates you to buy a server hosting, so it becomes an asset to you or your company, and use anybody else’s data center. While most colocation plans contain a fee for maintenance plus Internet connections and protection, the cost is excessive to the majority of websites because of this opening pay out for the server itself. Also, price reduction plays a big part. At the moment you purchase the server it will decrease in value and when it comes time to promote to a new server you will have to pay full payment for a new server with very little come back on your old product. Colocation hosting needs that you or somebody within your organization administers the server and its software. This is prepared through full remote access so can be done from your own location, but unless you already have someone in place with the proper knowledge it will mean appointing a new employee to take on this position.

Conclusion:

Mostly in the cases a dedicated server hosting plan services the greatest benefits. While you get the benefits of having your own server you will not encounter the same financial difficulty that colocation and your own server present. You won’t need to set aside the space or store or present the security, and when the time comes to leave your existing server you won’t need to worry about purchasing a new one from the ground up. For the installation of dedicated server large organizations have a room and other resource set up for server.

Web Hosting Plans - Free Vs Paid

Online website hosting services are great to make the websites easy to access on the Internet. Many companies over the internet are offering web hosting servers and even provide Internet connections to their clients. There are so many types of website hosting providers available on the internet. The two main types are the premium website hosting service provider and the free website hosting service provider.

Using the free website hosting services is great for the beginners in the cyber world who have just started out their business. Free hosting plans are perfect for those who only wish to broadcast small amount of data over the Internet by using a small web space. Most of the free hosting services providing companies are also providing comprehensive and easy tools to upload contents onto free hosting accounts. New user knows that the free website hosting services are just available for them to enhance their experience.

Users of free web hosting can host their websites and other contents free of cost on the free web hosting space. The free website hosting service is great for the new users in the online world and who want to have experience of uploading contents on websites and the web server working. For uploading the websites onto web spaces you have to pay regular fees to your service providers, if it is not free web hosting plan. The web hosting charges could vary from one company to company. Paid website hosting plans are most suitable for expert website owners. Web hosting service providers earn money from the fees they charge to website owner while free website hosting service providers earn money by placing their banners and ads on the web pages of their free users.

In different cases of free hosting, your website's domain name may not appear the way you desired it to, e.g. yourname.freehostname.com. But in paid website hosting services, you will gain entirely one-of-a-kind website domain, e.g. yourname.com. Free website hosting services give very little space, support, server uploading time and reliability. While paid website hosting services give you the possibility to pay for your web space and modify it to your preferences along with the peace of mind of technical support, server uptime and reliability. You can get free web hosting services as well as paid web hosting services from the following top service providers.

Top Free Web Hosting

1. Geocities: Most trusted by the user and oldest.
2. FortuneCity: Start free web hosts for a long time.
3. Jumpline: Up to 10,000 MB space and offer higher.
4. AwardSpace: Easy options for new comers.
5. Trap 17: A good trade off in all areas.

Top Paid Web Hosting

1. IPowerWeb: To the requirements of every one assortment of deluxe packages.
2. Bluehost: Enhanced multimedia features at low prices.
3. HostGator: A big range of control panel with easy options.
4. DreamHost: An unlikely contender but a hit among many customers because of its suppleness.

Seeking a Web Hosting Plan??? Keep in Mind!!!

There is actually a selection of web hosting solutions available, and your choice of package eventually depends on your website's necessities. Naturally, you must go for a package that is talented to handle your site's requirements and preferences if you are operating a business or a large company, and the most suitable of course is web hosting for business. It is always important to do a bit of examine first before zeroing in on a particular web host to manage your site. Deciding carefully is necessary, as you would not want to go into the problem of shifting web hosts when you find that your service provider is not capable to meet your demands and requirements at all.

Although the price is a big issue when looking for web hosting service provider for business, there are far more main things to think. For example, you absolutely need your web host to be reliable, which means, it should be able to propose you a high uptime percentage of at least 99%. At the same time, it must also be readily reachable. Your service provider should be able to reply to your queries in any time; thus it should present you with more than one way of communication.

There are a lot of sources of useful information but must be checking before getting the services of any hosting firm. Review sites offer assessment of the various features of the web hosting company.

Forum sites, especially technological forum sites, are also fine sources of information. By contributing in forum sites, you can meet the experts of the field and other person also in looking for of a good web hosting company. You can search out professional advice, tips, and policy that are not normally covered in reviews and web hosting articles.
These are very Important Features in Choosing a Web Host Provider.

1. Disk Space - This refers to the quantity of space you have for your website. Make sure they offer adequate space for your entire website.
2. Bandwidth - This is how much traffic is sent to your site. Most hosting service providers will allocate adequate bandwidth for a lot of traffic.
3. FTP Access - it's important that your web host supplier allows you FTP access via a 3rd party. FTP stands for File Transfer Protocol.
4. Scripts/Databases - If you are a bit superior and understand how to use and install scripts and databases, confirm it first the web host provider allow this. So read all their terms of services.
5. Support - This is probably the most significant feature to look for, mainly if you are new to hosting and websites. It is essential that the web host provider has good quick support to help you get things done.

By using these 5 steps to find out your service provider, you will save both your money and time.

Designer Handbags - Low Priced High Value

Designer products cover a large collection of both male and female accessories. Designer’s products add the element of style, fashion and comfort. Designer products are of wide variety like shoes, ties, handbags, cufflinks, belts, swimwear and Bikinis and undergarments. Designer handbags are very popular due to the durability, style and beauty. Designer offers a variety of handbags in different styles and colors to best match to your dress and personality. Buying a designer handbag is a worthy investment for you. If you don’t have enough money for the original handbags, then the best substitute is to go for an online auction or a street corner to buy a fake designer handbag. Ladies are investing more and more in fashion accessories, especially designer handbags.



If a stylish handbag is marketed among discounted designer handbags, you need to figure out if it is the real McCoy. Is it a genuine designer handbag or a knock-off that would obviously be available at a significantly lower price? You need a sharp eye to mark a real, low-priced designer handbag in the market swamped with fakes. Designer handbags are very inexpensive and good in quality. Although designer handbags are not of high quality but let you enjoy the same look of high quality and branded handbags. Designer handbags are commonly used worldwide by those women who can not afford the top brands but want to use them. Designer handbags help to make them happy by using the same appearance and look as of the high-priced and top brand handbags feature.



Designer handbags are manufactured by many companies that are available at lower but different prices. Another place for discounted designer handbags is the Internet. There are lots of online stores selling designer handbags that are marked "sale" or "reduced price." Many women end up settling for a style similar to their favorite designer, owing to the fact that mass-produced handbags are easier to come across due to bulk production and are priced lower. There are some things you must keep in mind when buying discount designer handbags, be sure about what you want and what you are going to pay for it. Seasonal favorites will be attractive when they are on sale, but have a short lifecycle.

Neon Lights and Uses

The word “Neon” has been derived from Greek word “Neos”, meaning new gas. The idea behind neon light was first evolved in 1675 by French astronomer Jean Picard. The Neon lights are the gas discharging lights usually used for the purpose of illumination of both indoor and outdoor applications. When the electricity passes through the anode and cathode of the neon lighting, the high charge among the cathode and anode causes the electronics in the gas to ionize and blaze in a bright color. The Neon lights work on the comparatively high voltage circuits. The Neon lighting has a distinctive lifespan of about 10,000 to 25,000 hours. The vacant glass tubes are used to make neon lights, which are made according to the required sizes and colors by the customers. The Neon lights can be illuminated under the wide temperature range of -40 degree Celsius to +150 degree Celsius. Short circuit happens at high voltage, when temperature of the neon light tube reaches 550 Fahrenheit.

There are more than 150 colors of neon lights available in the market. The colors of the Neon lights are developed by mixing the neon gas colors with other unique colors. Neon lights are also made by using the colored glass tubes. The color produced by the neon lights is bright reddish-orange and it can also produce many attractive colors such as blue, green and yellow. The Neon lights are used to create the modern and unique colors. When the argon light is mixed with the neon gas lighting in the glass tube, it generates a real light of blue color. Basically, the neon lighting is used by the business offices and many other firms for advertisement purposes. The most business offices and firms use neon lights in their sign boards and banners for catching attention of the people.

The neon lamps are very useful source of lighting. Neon lamps are the gas discharging lamps enclosing neon gas at very low pressures. Neon lamps are also used for the similar devices packed with many other noble gases to produce different colors. Small neon lamps are used as indicators, and the large neon lamps are commonly used in the signboards. All these types of neon lights can be purchased from the market and online stores at very low and affordable prices.

This is how I enjoy my Birthday alone!

Oyyeee Happy Birthdayyy Usman!!!

lol

Where is the fun???

No matter I’m all alone today its fun that I wake up late in the morning and today on my birthday I didn’t brush my teeth no hand wash! Just head over to the kitchen … O man! Where are spoons??? Orrite, I got an idea to make burger for breakfast … it’s a Double Decker Beef burger umMm yum yum!!! Holy shi* … There’s no electricity, there’s no money in ATMs on special events, even no tone in my wireless phone lol, (bread, beef, eggs and tomato ketchup all are there in frying pan) thank GOD there is some charge in my cell phone’s battery, but there’s no cooking oil man … its ok Kerosene oil is there NO big deal!!! Ufffff there is no batteries in my YOYO … but I still LOVE you PAKISTAN, coz there’s my family, friends, lots of mud, people are loving, lots of garbage inside and outside the bin lol, lovely land, beautiful weathers, places, and lots of extraordinary stuff, in fact I’m there and there’s my WORLD!!!

I received tons of SMS on my cell coz, the ring tone is “ton ton ton” lol. Oh man! My burger … Its burnt!!!!! Aww, Miss ya Mom, Dad, Sis, Bros and my little sweethearts MAHAM & DUA. Burger is YumMmyyy!!! I’m gonna visit bathroom ;) its break time (brb).

Orrite I’m back shackkkkkkkkkkk. I’m going to my uncle’s office for buying a gift for myself coz, today I haven’t receive any lol =)).

Yes! Uncle paid the charges of my gift yoOhoO. I got a shaving machine now ;) damn! There’s too much dirt and weather is cold after early morning’s rain. Feeling hungry … umm nothing to eat … can’t go out, just leave it! I think I should GO!!!!!!!!!!!!!!!!!

I ate nothing YES nothing! Done lots of lots of window shopping, went through many places, Restaurants, Parks, Roads, Shops but only one thing is common that today is my BIRTHDAY lol.

OK! In the end, Usman Congratulations & Celebrations on the Best very Happy Birthday. Yes! I’m my Favorite & I'm here to hug myself on this blah blah day =)) lol. Usman, Money is Short and time is hard so I just text you you’re birthday gift buddy, HAPPY BIRTHDAY boyyy, all the world is cake for you so take only a small piece not too much! =)) Love you so much, Live long, Live happy, Muah!!!

Islamic Credit Cards

All forms of banking contain several risks that pose a challenge to banks and management authorities. Islamic banks, like other conventional banks, are financial institutions providing services to depositors and investors and financing companies, public sectors and individuals. Therefore, Islamic banks are subject to the risks similar to those confronted by conventional banks. While Islamic banking has been around for several decades, originating from groundbreaking efforts from the Bahrain, Malaysia, Iran, Sudan and Egypt. At the foundation of Shariah compliance there are two concepts of profitability in Islamic banking: profit and loss sharing and mark-up. Islamic banking is based on the totally Riba (interest) free and there is no transaction involving the interest. In the profit and loss sharing the rate of return on the financial assets is either not known or fixed before the undertaking; in case of mark-up the purchase-resale transaction is determined with reference of the benchmark rate of return. Profit share involves the bank’s ability to secure a high return arises from its own investment decision and input post-investment. By comparison, in conventional banking the borrower of the money become responsible for the entire risk. Poor investment decisions by the bank have a direct bearing on the returns gained by depositors, as the rate of return is determined by the profit-and-loss sharing ratio.

Shariah-compliant instruments differ from conventional banks’ offering in the legal contracts, governance and the liquidity structure.

Moving from evolutionary stage, institutions are structuring and offering a wide range of financial instruments and exploiting new modes of financing and market. On consumer financing side, Islamic credit card based on tawarruq offers all features of a credit card, easy purchases and repayments through a series of commodity transactions. Islam allows the use of credit card so long it does not engage the factor of usury. As an example if the withdrawing cash advance from the credit facility will result payment of an interest, it is forbidden. In the same way if there is an additional interest charge due to delay in payment, it is forbidden also. Therefore, if the credit card works as a charge card, where you only pay the principle amount that you use plus the service charges, it is permitted. However, there are certain questions still to be answered; how does Islam accept the role of credit card as a medium of payment? What are the underlying principles required by Shariah in the functionality of credit card? What would be the possible legal issues and how Islam addresses these issues? What are the differentiation factors in the Islamic credit cards?

Credit cards concept is allowed by the Shariah, if it does not involve the element of usury because 'Allah (SWT) permitted sale and prohibit usury'. AmBank Bank Berhad offered Islamic Credit Card in Malaysia called Al-Taslif and it was launched in 1992. Shariah concept of Bai Inah is being used in Malaysia for issuing Islamic credit cards. Bai Inah is defined as back-to-back sale and purchase transactions entered into, whereby in the first transaction, the bank sells items to the customer on a deferred payment basis keeping some profit. In the second transaction, the bank will repurchase the same asset from the customer at purchase price, which is lower than the selling price, on cash basis (card’s limit), and the difference between the purchase and the selling price is the bank’s ceiling profit. Now ABC Islamic Bank has launched its Islamic credit card named Al Buraq in Bahrain. Maybank Islamic has also rolled out its lkhwan Card, new Islamic credit card series. The cards feature either the international cards franchise of American Express or Visa International. Similarly, Dubai Islamic Bank (DIB) has also launched its first Islamic credit card with the support of Card Tech Limited, a leading UK-based bankcard systems provider and processor.

The expert, who specializes in Islamic law and transactional jurisprudence, considers that the burden of the responsibility belongs to the banks’ Shariah committees that support banks to offer such services which are commonly prohibited by the majority of present-day Muslim scholars. Most banks offering credit cards do so with the purpose of getting interest - which is sternly and clearly prohibited by Islam.

The expert went on to warn people against falling into the trap of the supposed Shariah-compliant cards which begin effectual advertising campaigns nowadays. Moreover, the only Shariah-compliant credit cards are the charge cards which only a limited number of banks offer.

In the meantime, the Shariah committees in banks have issued their defenses in the face of the charges leveled against them and the debate is still ongoing. The expert also explained that credit cards represent a guarantee by the bank to the customer, particularly in places such as hotels which rely more on credit cards than they do on cash.

Looking beyond domestic shores, the Islamic cards based on the Bai Inah concept might not be able to penetrate the Gulf markets, which insist that Bai Inah is not a sufficiently strong basis for issuing Islamic cards. The Banker reported that the concept is ethically flimsy when applied in this manner as the sale transacted is a fake sale and thus, just a means of masking riba. Therefore, the structure or basis for Malaysian Islamic cards has been criticized for not being wholly Shariah compliant as compared to Islamic cards issued by Bahraini banks.

The conflict boils down to differences of belief. There are many interpretations within Islam on what is acceptable, given that the schools of thought on Shariah law are not homogenous. However, local Islamic bankers have referred this conflict to the National Shariah Advisory Board, which ruled that the Bai Inah transaction is indeed acceptable. Malaysia follows the Shafie school of madzhab, which approves the Bai Inah transaction for Islamic cards as it conforms to all the essential elements of a valid sale.

The Islamic cards, like their conventional cousins, are tied to international payment systems companies such as MasterCard and Visa, therefore they offer international recognition and access to ATMs worldwide.

The future of Islamic cards is indeed bright in Malaysia as there is demand for it. The market for Islamic cards is huge and growing in response to the government’s urge to introduce more Islamic financial products in Malaysia. It will take a while for consumers to understand the structure of the products, but once they see and appreciate them, the growth rate of the Islamic products is going to be even better. There is a substantial Muslim population in Malaysia and a number of them seek Shariah compliant products and services. As an aggressive promoter of Islamic banking and finance, AmIslamic Bank is optimistic about the demand for Islamic products including Al-Taslif Card.

Islamic credit cards are emerging tool for the Islamic banking profitability. Now Islamic cards are widely used in Gulf and the popularity is increasing but different banks uses different laws and rules to support their activities. However, in Pakistan the concept of Islamic credit cards is not introduced yet. There is need of one common rule for the Islamic credit cards to solve the controversy and make it a useful tool for the Islamic banking era.

Source: pakistanbanks.org, islamicfinanceupdates.wordpress.com

Profitability in Islamic Banking

Introduction

All forms of banking contain several risks that pose a challenge to banks and management authorities. Islamic banks, like other conventional banks, are financial institutions providing services to depositors and investors and financing companies, public sectors and individuals. Therefore, Islamic banks are subject to the risks similar to those confronted by conventional banks. While Islamic banking has been around for several decades, originating from groundbreaking efforts from the Bahrain, Malaysia, Iran, Sudan and Egypt. According to McKinsey & Co, a management consulting firm, the value of Islamic banking industry is around some $750bn with over 300 dedicated institutions and thousands of Shariah-compliant banking service windows operating in more than 75 countries. Islamic banking and financing has gained a strong grip both nationally in Muslim countries and internationally in the financial world. Regular degree programs are also being offered at the university level almost in all parts of the world.

Profitability Concepts

At the foundation of Shariah compliance there are two concepts of profitability in Islamic banking: profit and loss sharing and mark-up. Islamic banking is based on the totally Riba (interest) free and there is no transaction involving the interest. In the profit and loss sharing the rate of return on the financial assets is either not known or fixed before the undertaking; in case of mark-up the purchase-resale transaction is determined with reference of the benchmark rate of return. Profit share involves the bank’s ability to secure a high return arises from its own investment decision and input post-investment. By comparison, in conventional banking the borrower of the money become responsible for the entire risk. Poor investment decisions by the bank have a direct bearing on the returns gained by depositors, as the rate of return is determined by the profit-and-loss sharing ratio.

Shariah-compliant instruments differ from conventional banks’ offering in the legal contracts, governance and the liquidity structure. The various Islamic financial products practiced in different parts of the world are described below.

Mudarabah

Mudarabah is a kind of contract in which one partner provide money to another partner for investing it in any commercial enterprise. The investment comes from the first partner who is called "rabb-ul-mal", while the management and work is an exclusive responsibility of the other, who is called "mudarib". In this contract bank finance the customer and share the profit or loss.

Murabahah

Murabahah is actually a term of Islamic Fiqh and it refers to a particular kind of sale having nothing to do with financing in its original sense. If a seller agrees with his purchaser to provide him a specific commodity on a certain profit added to his cost, it is called a "murabahah" transaction.

Most of the Islamic banks and financial institutions are using "Murabahah" as an Islamic mode of financing, and most of their financing operations are based on "Murabahah". That is why this term has been taken in the economic circles today as an instrument of banking operations, while the original concept of "Murabahah" is different from this assumption.

Musharkah

'Musharakah' is a word of Arabic origin which literally means sharing. In the context of business and trade it means a joint enterprise in which all the partners share the profit or loss of the joint venture. It is an ideal alternative for the interest-based financing with far reaching effects on both production and distribution. In the modern capitalist economy, interest is the sole instrument indiscriminately used in financing of every type. Since Islam has prohibited interest, this instrument cannot be used for providing funds of any kind. Therefore, 'Musharakah' can play a vital role in an economy based on Islamic principles. The proportion of profit to be distributed between the partners must be agreed upon at the time of affecting the contract. If no such proportion has been determined, the contract is not valid in Shariah.

In spite of all the benefits, Musharakah is almost nonexistent in the Islamic banking and finance markets due to various complexities.

Salam

Salam is a sale whereby the seller undertakes to supply some specific goods to the buyer at a future date in exchange of an advanced price fully paid at spot.

This mode of financing can be used by the modern banks and financial institutions especially to finance the agricultural sector. In Salam, the seller undertakes to supply specific goods to the buyer at a future date in exchange of an advanced price fully paid at spot. The price is in cash but the supply of purchased goods is deferred.

The only problem in Salam which may agitate the modern banks and financial institutions is that they will receive certain commodities from their clients, and will not receive money. Being conversant with dealing in money only, it seems to be cumbersome for them to receive different commodities from different clients and to sell them in the market. They cannot sell those commodities before they are actually delivered to them, because it is prohibited in Shariah.

Istisna

Istisna is a sale transaction where a commodity is transacted before it comes into existence. It is an order to a manufacturer to manufacture a specific commodity for the purchaser. The manufacturer uses his own material to manufacture the required goods.

In Istisna, price must be fixed with consent of all parties involved. All other necessary specifications of the commodity must also be fully settled.

Istisna can be used for providing the facility of financing in certain transactions, especially in the house finance sector. If the client has his own land and he seeks financing for the construction of a house, the financier may undertake to construct the house at that open land, on the basis of Istisna, and if the client has no land and he wants to purchase the land also, the financier may undertake to provide him a constructed house on a specified piece of land.

Ijarah

"Ijarah" is a term of Islamic Fiqh. It means 'to give something on rent' or 'to lease'.

It is defined by jurists as: "Possessing of a usufruct for a consideration"

When interest-free financial institutions were established in the near past, they found that leasing is a recognized mode of finance throughout the world. On the other hand, they realized that leasing is a lawful transaction according to Shariah and it can be used as an interest-free mode of financing. Therefore, leasing has been adopted by the Islamic financial institutions, but very few of them paid attention to the fact that the 'financial lease has a number of characteristics more similar to interest than to the actual lease transaction.

All these financial tools are being used by Islamic banks and financial institutes along with some other instruments to earn profit. Interest is modified in different forms in these tools of Islamic banking for earning profit.

Future of Islamic Banking

Now Islamic banking industry faces issues of a different sort. That is, how to consolidate the gains made so far and sustain itself, ward against any meltdown and grow. But Islamic banks will become pure financial institutions that fill financial gaps standing in the way of real economic transactions at the grassroots level. Islamic banking will be ethical banking for, among others, the following reasons: Islamic banks will stay away from financing Shariah-proscribed activities like producing alcohol or financing speculative activities, for example. There will be transparency in their transactions with the clients, depositors as well as fund-seekers due to compliance with the Shariah.

While the number and operations of Islamic banks are fast expanding, this segment of the market is still small relative to the appetite for Islamic finance. Pakistan, in light of its past experience, is launching a gradual and steady approach to Islamic banking. Despite rapid expansion in industry, the share of Islamic banking in the total banking system is a modest 3.2%.

Findings

Islamic banks need to be integrated globally as global financial markets, encourage competition, and provide a proper climate for ongoing innovation. Islamic banks then can consolidate their position in a range of markets and provide products for more customers.

Islamic banks will need to grow at least by 40-50% annually with its promising prospects and potential to be able to raise its share from 3.5% to about 15% of the total banking system. Given that banking industry as a whole has been growing at a substantively fast pace, the level of effort required for Islamic banks would have to be steeper to claim this share. Given the success of some countries in achieving this share for Islamic banking, it is important that concerted efforts are put in to propel Islamic banking system further and deeper in Pakistan.

GPS Navigation System for Car

Navigation using a piece of map is much frustrating especially if you are driving your car too. It becomes very tough and irritating when you are going through a strange territory all alone. Sometimes if you have someone with you then he may also be unable to help you properly because your companion may have also the confusion about the exact road and way. It is really stressful to make your way with the help of map. But today with the grace of the latest technology, several companies are able to offer GPS navigation receiver. Just throw out the piece of map from your car window and get GPS car navigation receiver for your car. It’s for sure that you will find yourself in a relaxed condition on the road despite you are driving through a strange territory.

The American Government spent $12 billion on GPS. The abbreviation stands for Global Positioning System. In 1978 the US Defense department launched the first satellite and it was the beginning of the Global Positioning System. After that this system developed step by step and today it has been possible to navigate your cars with the help of Global Positioning System. In short a car GPS device is a GPS receiver particularly designed for cars and their navigation systems. All other types of GPS receivers receive signals in the same way. The car GPS devices can also receive signals from GPS satellites and can determine car’s current location using information collected by these signals. The GPS car navigation systems are manufactured to be used on moving vehicles and have features specific to vehicle navigations systems. The Car GPS devices give you the best possible route toward a particular destination. They are able to recalculate your route in case you miss a particular route instruction. They have a text and voice system for giving directions.

Some other general but significant features that all car GPS devices have, are as follows:

- Map storage system
- A display screen that can handle images of high pixels.
- An address book, which enables you to store the often-visited destinations.
- Portability and external antenna for better GPS visibility.

There are a large number of devices available in the market according to the car brand having distinctive specifications and features. Because of such a big collection it may be difficult for you to select a particular GPS navigation device that will perfectly fulfill needs of your car’s navigation. There are two ways to get a GSP car navigation system. The first is to purchase a car having a built-in car GPS Navigation system and the second is to purchase a portable car GPS navigation system that perfectly suits your car.

Pop, Rock and Alternative Rock Music

Pop music is a kind of popular music distinguished from classical or art music and also from folk music. The term “pop music” indicates exact stylistic qualities, but the variety of pop music also includes elements of rock, dance, hip-hop, and country, making it a flexible musical form. The definition of pop music is purposefully flexible as the music that is identified as pop is constantly changing. The average listener of pop music is often recognized to be in his or her teenage years, making it a significant sign of youth culture. Pop music has always been the cause of many moral frights, especially as lots of styles such as racial, ethnic, sexual or class-based influence it and these styles usually trickle up from minority groups. This is partly because youth culture itself is an object of social trepidation.



Rock music is that type of music which sprung up from peacetime America but was taken up by the youth in all over the world. Although rock music started as an act of a rebellion, rock music turned out to be the leading music form for the next few decades, ultimately turning into a normal music type and leaving its throne of revolt to other types of music it became very popular in the world. Rock music engages a voiced melody go together with some musical instruments such as guitars, drums, and keyboard instruments. Rock music was born when rhythm and blues assemble with country music. The book, “The History of Rock Music,” gives this kind of historical information along with the biographies and information about well-known rock stars who determined and formed the path of rock music from early days. In addition to the musicians, Dick Clark with his television show “American Bandstand” promoted the rock music and coerced its respectability by the general population.




Alternative rock is that valuable stone picked up from the sea of innovation and novelty. Alternative rock is fundamentally an umbrella term for underground music that has came out in the wake of the punk rock movement since the mid 1980s. Throughout the history of alternative rock music, it has been mostly defined by its rejection of the commercialism of typical culture. The kind of music now known as alternative rock was known by an array of terms before but "alternative" came into common use and became well-known. "College rock" was used in the United States to describe this overwhelming music during the 1980s due to its links to the college radio circuit and the tastes of college students. Lyrics in alternative rock songs naturally speak to issues concerned with the social order such as drugs, depression and environment. Alternative rock has that approach that can awake youth and can make them realize their potential. Alternative rock musicians distinguish themselves from their conventional rock predecessors as they want to sing it for a superior diversity and experimentation in the field of music.

Information on Hunting Binoculars

Hunting Binoculars are specially designed by keeping in mind the needs of a hunter. A hunter needs an outstanding binocular that easily handles the serious time of game movements. A hunter always wants a binocular small in size and light in weight and also rich in performance. Hunting binocular is mostly used in early morning or in late evening, so it is essential that the lens size should be bigger. Hunters normally choose small and compact binoculars which is not suitable for hunting due to small size. Small binoculars have small lens which doesn’t pass the more light in the binocular for brighten view. Hunting binoculars should have big objective lens to allow more light to enter the binocular. Full size binoculars are great for hunting because of brighter and clear image. Full size hunting binoculars provide relief to eyes and more comfortable grip even though larger and heavier than the compact binoculars. Hunting binoculars are available in variety of sizes, styles, magnification powers and price ranges. Waterproofing is must in a hunting binocular for best performance.



Hunting binoculars are made by using high quality materials and innovative technologies for long lasting performance. Hunting binoculars have rubberized body which make it rugged and waterproof and also provide non-slip grip. Hunting binoculars usually have large size lens for brighter and clear view in low light situation. Hunting binoculars are widely used in all over the world by hunters and professionals. There are many famous companies manufacturing high quality hunting binoculars. Hunting binoculars are available at different price levels in all over the world. You can buy hunting binoculars from retail binocular boutiques and online stores. Online binoculars stores are best way to purchase hunting binoculars at cheaper rates. Hunting binoculars are very useful and helpful tools for a hunter especially in low light situations. Hunting binoculars are widely used by hunters through out the world for best performance.



Hunting binocular reviews are great source to have full information about the binocular and its functionality. Hunting binocular reviews tell the true story of its working, image quality and performance. Reviews on hunting binoculars provide a guide line to the buyer for selecting the perfect and most suitable binocular according to his needs and requirements. Hunting binocular reviews should consult before purchasing a binocular so that you spend your money on the best equipment. There are many online sources show reviews on several hunting binoculars from the worldwide users like “consumersearch.com”. You can also post your reviews about your experience of using hunting binoculars on the online sources.

Information on Designer Replica Handbags

Today many manufacturers of handbags are offering replica handbags. You can easily purchase these replica handbags through internet and some stores. Manufacturers those produce replica handbags, copy the design of original company made product and launch in market on low price. Replica handbags are usually made of using low quality material and not much durable as genuine one. Some people go for replica handbags who can’t afford original one. But its sure replica handbags can’t satisfy you properly. Replica handbags have become very popular over the years almost in all parts of the world.

Those who want the look and feel of a designer handbag, but can not afford thousands of dollars for one; have found a real fortune in replica designer handbags. Whether it's a replica Gucci handbag or a replica Chloe handbag, varieties of these handbags are being sold online and off. There are all types of replica handbags from a variety of famous designers. To name a few, there is replica Chanel handbags, replica Gucci handbags, Louis Vuitton replica handbags, Fendi replica handbags and many more! These replica handbags are also called "handbag knockoffs" because they are designed to look and feel just like the real thing. Don't be misled into thinking that replica designer handbags are priced very cheaply. On the contrary, replica handbags can still be expensive, just not as costly as the real thing. Replica handbags are magnificent for profligate outings such as black tie events, formal balls, weddings, proms, special dinner occasions, ceremonies, banquets, etc.

You can take a replica handbag along to seem just as striking as you would with a genuine bag. Finding replica handbags has never been easier, but nowadays. Now you can shop online to find all brands of replica designer handbags at very low prices prices. Only be sure the website is really selling true replicas. With an online handbags stores and retailer, you can shop from your own home and take time to evaluate several replica brands. One online handbag store alone might offer a variety of replica handbag brands such as replica Chanel handbags, Fendi replica handbags, replica Chloe handbags and many others. Replica handbags are not made of very cheap material, but some companies made good quality replicas for long lasting durability. Replica handbags are widely used in all over the world by the ladies, who can’t afford original brands but are fond of fashion and style.

Designer Handbags

Designer name products cover a large array of both men and women accessories. Designer’s products add the element of style, fashion and comfort. Designer line of products includes shoes, ties, handbags, cufflinks, belts, swimwear and underwear. Designer hand bags are very famous due to its durability, unique style and comfort ability. Designer offers a wide range of handbags in various style and colors to best match to your dress and accession. Buying a designer handbag is an investment in you. If people cannot have enough money for the real thing, the easiest substitute is to head towards an online auction or a street corner to buy a fake designer handbag. Ladies are increasingly investing in fashion accessories, especially designer handbags.

If a stylish handbag is marketed among discounted designer handbags, you need to figure out if it is the real McCoy. Is it an authentic designer handbag or a knock-off that would obviously be available at a considerably lesser price? One needs a sharp eye to mark a real, low-priced designer handbag in a market flooded with fakes. Designer handbags are very cheap and good in quality. Designer handbags are although not of high quality but let you enjoy the same look of high quality and expensive handbags. Designer handbags are widely used in all over the world by those ladies who can not afford the high brands but wish to use them. Designer handbags help them to satisfy their selves by using the same appearance and look as of the expensive and high brand handbags have.

Designer handbags are manufactured by several companies all over the world. Designer handbags are available at lower but different prices. Another source for discounted designer handbags is the Internet. There are several websites selling designer handbags that are marked "sale" or "reduced price." Many buyers end up settling for a style similar to their preferred designer, owing to the fact that mass-produced handbags are easier to come across due to bulk manufacture and are priced lower. There are some things one must keep in mind when buying discount designer handbags. Be obvious about what you want and what you are ready to pay for it. Seasonal favorites will be appealing when they are on sale, but have a short lifecycle.

World Famous Pentax Binoculars

Pentax has been established since 1952 as technological head in the SLR camera industry. Pentax is very famous and well reputed company through out the world in the field of optics since its beginning. In 1979 Pentax introduces world’s first camera which integrates the idea push buttons shutter speed control. In 90s Pentax has made much technological advancement in the field of optical equipments. In 2002 Pentax brought world’s first pair of CCD digital binoculars loaded with an LCD monitor. In 2004 Pentax launched Papilio line of binoculars. Pentax is producing almost of all kinds of binoculars for different purposes. Pentax binoculars are very popular in all over the world due to high quality imaging and zooming. Pentax binoculars are very functional and long lasting durable equipments that provide you true, magnified and real picture of site.

The Pentax 10 x 36 DCF HS Roof Prism binocular is high performance binocular features a simple design and is very light weight. Pentax 10 x 36 binocular has a fiberglass reinforced polycarbonate bode that is encased in rubber lodging to guard the inner apparatus from the outer shock and assure a comfortable grip. The Pentax 10 x 36 binocular has protected glass incorporated in the front of the objective and focusing elements to stop the dirt into the inner body. The Pentax 10 x 36 DCF HS binocular is highly weather resistant for use around the water and in rain. Pentax 10 x 36 binoculars also allow an optional stand adaptor fore quick and easy mounting and removal. Pentax 10 x 36 binocular is of high quality and durable optical product. Pentax 10 x 36 binocular is reasonably priced ad can be purchased from binocular and optics stores from all over the world.

Pentax binoculars are very popular due to high performance and best quality. Pentax binoculars at Bakersfield are available in several classes with famous brand names and diverse styles. There are many binocular boutiques and stores at Bakersfield offering a wide range of Pentax binoculars. Bakersfield is very famous for the Pentax binoculars due to lower rates of the top quality and world famous binoculars. Almost of all kinds of Pentax binoculars are available at Bakersfield binocular shops and boutiques. Some of the famous binocular stores at Bakersfield are: Henley’s Photo, Valley Gun Shop, Big 5 Sporting Goods, Costco, Southside Camera and the Ammo Dump.

All these above mentioned binocular outlets and shops offer Pentax binoculars at reasonable prices and also offer warranty of factory fault in the equipment. These binocular shops at Bakersfield provide purchase guide to the customers. You can easily choose the most suitable binocular at affordable price from Bakersfield’s binocular stores

Binocular Brands

Binoculars of several brands are available in the world’s market at different prices. Binoculars are of different sizes, types and styles come in wide price range. Many of the online shops and stores offer several brands of binoculars at discounted price from all over the world. Discount binoculars are available at online stores and shops such as “binoware.com” and “eagleoptics.com”. All top brands of the world are available at discounted price with the same high quality. You can save money by purchasing binoculars from discount stores and online shops. Discounted binocular stores also provide guideline about the latest products and the best prices available.

The binocular is great equipment for magnification of things from a distance. Binocular uses for different purposes like: hunting, military uses, viewing sites and some more. Binocular comes in variety of types and sizes for different uses. The binocular is widely in use nowadays due to great benefit of capturing the things from a long distance. Binocular is important equipment for the military forces to be use in war or in training. Outdoor tourists often use binocular for viewing great scenes while at hill station. Binocular allows the user to see the clear and magnified view of the far away objects. Now binocular toys are also very popular among children in all over the world.

Binocular brands list consists of large number of names of binocular manufacturers through out the world. Binocular brands list is available on web sites like “binocular.com”. All the binocular brands have different features and prices. Binoculars of different brands are available at all binocular stores and shops at reasonable prices. Some of the top binocular brands are Nikon, Pentax, Cannon, Minox, Minolta, Spion, Swift and some more. All these brands are very popular in al over the world among the binocular users. Above mentioned binocular brands manufacture all type of binoculars. These binocular brand names are very famous due to their high performance and top quality image viewing binoculars. There are many other binocular brand names offering high quality binoculars at affordable prices.

Binocular manufacturing companies always keep introducing new models of binoculars from time to time. New binocular models are upgraded and have enhanced functionality and image quality. Although new binocular is costly yet it provides better quality of image and has some added functions. To enjoy better quality image and enhanced functionality, new binocular should be purchased. New binoculars are best to use and provide long lasting performance. New binoculars of different brands are available at different rates at different shops. Best way to buy a new binocular is online stores and shops. A buyer should consult the review on new binoculars before purchasing. Reviews on new binoculars provide a guideline for purchasing a best and most suitable binocular.