šta štampa vaša lokalna štampa

[bus]

Manitoba credit union first to offer islamic mortgages

A Manitoba credit union has become the first major financial institution in Canada to offer mortgages geared towards the needs of devout Muslims. On Wednesday, Winnipeg-based Assiniboine Credit Union (ACU) announced it was launching an Islamic Mortgage Program.Currently, the majority of the Winnipeg's roughly 13,000 Muslims rent or don't own the homes they live in, the credit union said.For-profit loans are problematic for people of the faith because the Qur'an forbids the payment of interest.Under the program, the credit union and the homebuyer enter into what ACU calls a "declining partnership agreement." Both parties co-own the home and its title."During this time, the family has exclusive rights to live in the home and in exchange they agree to pay ACU a profit. At the end of the contract the Muslim family is the sole owner of the home," the credit union said in a press release.The would-be homeowner must contribute a minimum of 20 per cent of the home's price at the start of the agreement, ACU said.The plan was developed with the help of Islamic religious scholars in Canada and the U.S., the credit union added.

Wtf?

[Isis]

Manitoba credit union first to offer islamic mortgages

A Manitoba credit union has become the first major financial institution in Canada to offer mortgages geared towards the needs of devout Muslims. On Wednesday, Winnipeg-based Assiniboine Credit Union (ACU) announced it was launching an Islamic Mortgage Program.Currently, the majority of the Winnipeg's roughly 13,000 Muslims rent or don't own the homes they live in, the credit union said.For-profit loans are problematic for people of the faith because the Qur'an forbids the payment of interest.Under the program, the credit union and the homebuyer enter into what ACU calls a "declining partnership agreement." Both parties co-own the home and its title."During this time, the family has exclusive rights to live in the home and in exchange they agree to pay ACU a profit. At the end of the contract the Muslim family is the sole owner of the home," the credit union said in a press release.The would-be homeowner must contribute a minimum of 20 per cent of the home's price at the start of the agreement, ACU said.The plan was developed with the help of Islamic religious scholars in Canada and the U.S., the credit union added.

Wtf?

nemoj to nista da te cudi, postoji cela oblast finansija koja se zove islamic finance, usmerena ka islamskim zemljama, jer konvencionalne finansije nisu u skladu sa serijatskim pravilima pre svega zbog toga sto je u islamskom svetu kamata nedozvoljena, a ono sto se naziva konvencionalnim finansijama baziraju se na njoj. postoje i neke druge razlike, tipa da se finansiraju projekti koji imaju neku socijalnu vrednost, sto bi znacilo da nema finansiranja iskljucivo radi zaradjivanja novca od tog finansiranja, sto je cesto slucaj u zapadnom svetu.usled gomile naftnog kesa koji je ne daj boze mogao ostati tako neangazovan u islamskim zemljama, zapad se dosetio da pokrene takve stvari koje ce biti u skladu sa tim pravilima. nesto kao halal finansije :D. kako se taj naftni kes povecavao, tako je i cela ta islamic finance oblast rasla i nije zanemraljiva.

[bus]

Pazi kad sam potpuno zatečen da i tako nešto postoji. A posebno mi je ludo što mi ovako naoko (na oko?) izgleda (nisam se baš udubljivao) da su samo uzeli toplu vodu i nazvali je vrućim H₂Oom pa ćeraj u morgiđ. :D ...You live, you learn.

[aram]

cekaj sad, sta je njihov interes, ako nema kamate???aaa, da, vidim, objasnio bus, izvin'te na smetnji.

[bus]

to pay ACU a profit

Eto, kao, profit je, nije kamata. Što čovečanstvo zna da bude zamorno, isusek.

[hazard]

Pa pola tog "islamskog bankarstva" se svodi na to da oni nadju neki drugi naziv za kamatu, a onda nadju nekog imama i eksperta za islamsko pravo koji ce to da aminuje i da kaze "sve je po serijatu" :DSustina je u tome da valjda ne smes samo da dajes zajam kao zajam i da naplacujes to sto si dao zajam, nego moras da recimo zvanicno ulozis deo svog novca u firmu kojoj zapravo dajes zajam. Onda imas pravo na deo profita, ali je to ok, zato sto si suvlasnik. Sto ti dodje na isto, ali opet, verujem da je prvobitna namera u nekom srednjem veku bila iskrena: valjda su pokusali da nateraju zelenase-trgovce da se ukljuce u to sto finansiraju, pa da i onda budu odgovorniji i pazljiviji sa plasiranjem novca, a ne da dele zajmove ne gledajuci previse i da onda samo ostavljaju ljude bez imovine (a mozda i bez slobode) kad stvar dodje na naplatu.Ovaj "islamski morgidz" izgleda kao da ti zajedno s bankom delis vlasnistvo kuce (stoga mora da bude ucesce 20%), otkupljujes deo koji pripada banci na rate, bez placanja kamate, a u medjuvremenu im placas kiriju na to sto zivis u kuci koja je delom njihova (kapiram da je to taj "profit"). Ono sto je interesantno u tom slucaju je da li ti banci zapravo dugujes nesto sve to vreme ili ne (ili samo kupujes deo po deo kuce od njih), jer mi nejasno da li i ovako banka moze da te izbaci ako prestanes da placas, ili jednostavno ona 50% vlasnik u tom trenutku i to je to.

[bus]

oni nadju neki drugi naziv za kamatu

Upravo. Puko pitanje etiketiranja. Kao oni privremeni brakovi u Iranu, gde se lepo oženiš na jedan dan, dobiješ seksualnu uslugu od profesionalke, i do jutra si slobodan čovek. Sve strogo po šerijatu. Where there's a will, there's a way.

[bus]

Lokalna blogoštampa. http://oneredpaperclip.blogspot.com/

My name is Kyle MacDonald and I traded one red paperclip for a house. I started with one red paperclip on July 12 2005 and 14 trades later, on July 12, 2006 I traded with the Town of Kipling Saskatchewan for a house located at 503 Main Street. (Click on pictures below to read about each trade!)

S Wikipedije:

MacDonald made his first trade, a red paper clip for a fish-shaped pen, on July 14, 2005. He reached his goal of trading up to a house with the fourteenth transaction, trading a movie role for a house. This is the list of all transactions MacDonald made:[1]On July 14, 2005, he went to Vancouver and traded the paperclip for a fish-shaped pen. He then traded the pen the same day for a hand-sculpted doorknob from Seattle, Washington, which he nicknamed "Knob-T". On July 25, 2005, he traveled to Amherst, Massachusetts, with a friend to trade the Knob-T for a Coleman camp stove (with fuel). On September 24, 2005, he went to San Clemente, California, and traded the camp stove for a Honda generator. On November 16, 2005, he made a second (and successful) attempt (after having the generator confiscated by the New York City Fire Department) in Maspeth, Queens, to trade the generator for an "instant party": an empty keg, an IOU for filling the keg with the beer of the holder's choice, and a neon Budweiser sign. On December 8, 2005, he traded the "instant party" to Quebec comedian and radio personality Michel Barrette for a Ski-doo snowmobile. Within a week of that, he traded the snowmobile for a two-person trip to Yahk, British Columbia, in February 2006. On or about January 7, 2006, the second person on the trip to Yahk traded Kyle a cube van for the privilege. On or about February 22, 2006, he traded the cube van for a recording contract with Metal Works in Toronto. On or about April 11, 2006, he traded the recording contract to Jody Gnant for a year's rent in Phoenix, Arizona. On or about April 26, 2006, he traded the one year's rent in Phoenix, Arizona, for one afternoon with Alice Cooper. On or about May 26, 2006, he traded the one afternoon with Alice Cooper for a KISS motorized snow globe. On or about June 2, 2006, he traded the KISS motorized snow globe to Corbin Bernsen for a role in the film Donna on Demand.[2] On or about July 5, 2006, he traded the movie role for a two-story farmhouse in Kipling, Saskatchewan.

[mei]

ukraden kamion sa jednim tigrom i dve kamile na putu iz okoline Montreala prema zoološkom vrtu u Otavi. zoo mafijo, vraćaj životinje!klik

[bus]

Samo me zanima kako su uspeli da ukradu ovo. Garant je neki kreten od vozača otišao u Tim Horton's da se naliva onom odvratnom kafom.

[mei]

najluđi mi je scenario po kome lopovi nisu znali šta kradu. pružila im se prilika da ukradu kamion, ukrali ga, kad ono, uppps, tigar i kamile...ako se to desilo, što bih volela da mogu da vidim reakciju lopova. da li je bilo "uraaaa, kućni ljubimci, ili shit šta sad da radimo sa ovim." u oba slučaja je .

[bus]

Samo mogu da kažem "jadne životinje". Ako ih ne nađu, to koji su ih ukrali će ih najverovatnije ostaviti da umru od gladi. Ako ih ne ubiju.

[mei]

nadam se da neće :(.

[bus]

Nadam se da će ih naći. Ili eventualno da su ih ukrali neki animal rights ratnici. Joj, Mei, približava se samit. Opsadno stanje na univerzitetu od srede. Od kada više i ne idem južno od Dundasa (mada ću gledati da ne idem i južno od Bloora). A za to vreme u Montréalu... :D...Nego, za sve nas vredne pralje:

Dishwasher etiquetteBy Lori Bongiorno, Yahoo!Green Experts unanimously agree that you should NOT pre-rinse your dishes before loading the dishwasher. Why not? Because your dishes will not get any cleaner if you rinse them before loading your dishwasher. Pre-rinsing is therefore a complete waste of time, water, energy, and money. And, in some cases, it can actually harm your glassware. Still not convinced? Here are the details. Dishes will not get any cleaner if you pre-rinse them.Modern dishwashers and detergents have come a long way in the past couple of decades. "You will not improve your wash performance one bit by pre-rinsing," says John Dries, a mechanical engineer and owner of Dries Engineering, an appliance design consulting company. He points out that heavily soiled dishes are used in pre-market "wash tests," not pre-rinsed dishes.In most cases, all you need to do is scrape your plates over a trashcan to get rid of bones or chunks of food. One caveat: It's a good idea to pre-soak pans or dishes that have something really burned on them. Pre-rinsing doesn't help in this situation.Use the dishwasher's rinse cycle if you're not going to run your dishwasher immediately and are worried about the smell of sour food.How about older dishwashers? "People with any age dishwasher can feel comfortable knowing they don't need to pre-wash dishes before washing them in the dishwasher," says Jill Notini, a spokesperson for the Association of Home Appliance Manufacturers.Pre-rinsing is a complete waste of time, water, energy, and money. With pre-rinsing you're essentially washing your dishes twice. Rinsing your dishes while letting the water run can waste gallons of water. Consider this: An energy-efficient dishwasher uses up to 5 gallons of water to wash an entire load of dishes. Washing dishes by hand while letting the water run can use up to 27 gallons.The same is true for electricity if you pre-rinse with warm or hot water. "You use more electricity rinsing dishes off in the sink than the dishwasher uses to wash the whole load," says Mike Edwards, a senior design engineer at Bosch Home Appliances.Instead of pre-rinsing the dishes, spend your time on something that will make a difference: Loading the dishwasher correctly.Experts say a properly loaded dishwasher can significantly impact how clean your dishes turn out. "The biggest impediment in washing is due to poor loading," says Edwards. Get tips from Consumer Reports and a video from Bosch.Rinsing dishes before loading the dishwasher can do more harm than good.Today's advanced detergents are designed to attack food particles left on dishes. "If there isn't food soil, they tend to attack glasses," says Edwards. "Some glasses are more susceptible to this kind of attacking than others."The detergent etches small pits in glasses that you can't see with the naked eye, but the glass appears cloudy, according to Edwards. The process is called "etching" and causes permanent damage.This is different than temporary hard water stains, which can also result in the cloudy appearance of glassware. Find out how to tell the difference."Your detergent amount needs to be based on the amount of food soil in the dishwasher," says Edwards who also points out that those who have soft water should use less detergent than those who have hard water.(Photo: Getty Images)

Edited June 22, 2010 by bus

[mei]

Joj, Mei, približava se samit. Opsadno stanje na univerzitetu od srede. Od kada više i ne idem južno od Dundasa (mada ću gledati da ne idem i južno od Bloora).

pet dana opsade, auuuuu (nas su zbog Obame u Otavi opsedali samo nekoliko sati. dobro, nije se mnogo ni zadržavao, osim u onoj poslastičarnici-pekarici ;-))

A za to vreme u Montréalu...

eto koliko razloga da ga opet posetiš: opsada u Toronu, festival ovde + praznik u četvrtak... :)