Wednesday 12 December 2012

[PF:171433] Fwd: Hypertension - A Silent Killer



---------- Forwarded message ----------
From: Tasleem Ali Sabri <tasleemalisabri82@gmail.com>
Date: 2012/12/13
Subject: Hypertension - A Silent Killer
To:





2012/12/13 Tasleem Ali Sabri <tasleemalisabri82@gmail.com>

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[PF:171433] Hypertension - A Silent Killer

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[karachi-Friends] Who will pay for Pakistan ?



With thanks to Husain Khan of Tokyo, a good analysis of
Pak economy!


Pakistan’s economy 
Plugging leaks, poking holes 
Who will pay for Pakistan’s state? 
Dec 8th 2012 | ISLAMABAD | from the print edition 

PAKISTAN’S national poet, Muhammad Iqbal, believed the subcontinent’s Muslims needed to unite if they were to prosper. Without a strong sense of nationhood, he wrote, “mountains become straw and are blown away in the windâ€�. 

Poetry and taxes do not often mix. But those melancholy lines grace an analysis of Pakistan’s fiscal plight by Ehtisham Ahmad of the London School of Economics. The country’s tax revenues have collapsed. Its debt is almost certainly unsustainable without outside help. And yet Pakistan does not pull together. “Textile lobbies, the urban gentry, traders and agriculturists, all point to the other and say: Tax that group first, but do not tax me,â€� Mr Ahmad writes. 

The tax authorities can identify a mere 768,000 individuals who paid income tax last year. Even fewerâ€"just 270,000â€"have paid something in each of the past three years. That is one reason why Pakistan’s tax revenues amounted to only 9.1% of GDP in the latest fiscal year, one of the lowest ratios in the world (see chart). These are exceedingly narrow shoulders on which to rest a nuclear-armed state of 180m people. The culture of cheating starts at the top. Most members of parliament, many of them conspicuously affluent, do not file tax returns. 

In the months before an election, due by May, the government of President Asif Zardari of the Pakistan Peoples Party (PPP) is proposing a controversial remedy: an amnesty for evaders. They will be invited to wipe the slate clean with a one-off payment of only 40,000 rupees ($400). The government says it is a quick way to resuscitate the public finances and expand the tax net. Its critics see the amnesty as a boon for politically connected crooks. 
The scheme is the brainchild of Pakistan’s tax chief, Ali Hakeem, head of the Federal Board of Revenue (FBR) since July. His computer boffins have spent the past few months trawling dataâ€"not to find out how much people earn, but rather to unearth their spending patterns and lifestyles. The FBR has come up with 1,700 variables that predict a person’s tax liability. Some clues are obvious, such as foreign travel, owning a house in a posh neighbourhood and big-ticket purchases such as cars. Others are ingenious. It turns out that having a weapons licence is an excellent indicator of wealth. The FBR’s analysis also shows that married men are richer than single men. Men with two wives are richer still. However, men with four wives (the maximum allowed to Muslims in Pakistan) are often poorer than those who have only one. 

Many people escape paying taxes by simply bribing the tax inspectors who call on them, Mr Hakeem admits. “We want the computers to be the enforcers,â€� he says. The exercise has identified around 3m people who should be paying tax. Under the plan, these people will be served notice and given 75 days to comply or they will face punishment. 

But if the FBR can identify the dodgers, why can it not pursue them for the full amount they owe? The tax board says it wants to use its new data fast, before a possible change of government jeopardises the scheme. There is no time to calculate the evaders’ full liabilities. 

Mr Hakeem believes the system is so rotten that, in effect, it offers an amnesty to almost everyone anyway. But cynics worry that the oily businessmen and back-room fixers who have prospered over the past four years of PPP government will use the scheme to legitimise their ill-gotten gains. It is “a way of laundering your moneyâ€�, says Hafeez Pasha, a former finance minister. 

Amnesties, which have failed in Pakistan in the past, create perverse incentives. They alienate taxpayers otherwise disposed to being honest, who may decide to stop filing and wait for the next such offer. At best, the amnesty will bring in another 0.5% of GDP in revenue, Mr Ahmad suggests. At worst, revenues may fall. 

Both Mr Pasha and Mr Ahmad argue that more fundamental reform is required. Many people fail to pay taxes because they are not legally obliged to do so. Agriculture is exempt from federal income tax, largely because parliamentarians are either large landowners or dependent on rural votes. 

Mr Hakeem’s board has the power to exempt products through regulatory orders without the approval of parliament. One such order, dated April Fool’s Day, 2011, made a mockery of the country’s sales tax, imposing a 0% rate on 184 items, including carpets, buttons and the willow wood from which cricket bats are madeâ€"as well as “any other goods as may be specifiedâ€�. Mr Hakeem’s number-crunching may help plug some leaks in Pakistan’s tax bucket. But his board has already poked hundreds of legal holes in it. 

Pakistan promised to abolish loopholes in 2008 as one of the conditions for a generous IMF loan of $11.5 billion. Yet it failed to do so. It also promised to remove the tax board’s discretionary power to create loopholes. But punching holes in the tax code is a handy way to “win friends and influence peopleâ€�, Mr Ahmad says. 

A low tax take breeds problems. People who might otherwise pay their taxes wonder what services they will get in return. Federal revenues are swallowed up by debt servicing, defence spending and power subsidies, with no room for much-needed spending on health, education or welfare. A constitutional amendment passed in 2010 gave the provinces clearer responsibility for such programmes. But the provinces lack a reliable tax base of their own. In the latest fiscal year, Pakistan spared only 0.3% of GDP for health. 

Despite such miserliness, Pakistan’s budget deficit still exceeded 8% of GDP last year. The government has bridged the gap by borrowing from the central bank and the banking system (which itself borrows heavily from the central bank). This has crowded out private borrowing and ushered in inflation, projected by the IMF to return to double-digit rates by the middle of next year. 

Fundamental tax reform will always upset one powerful constituency or another, whether it be the landed gentry, farmers, traders or industrialists. Without reform Pakistan courts economic disaster, a financial crisis that might blow the precarious economy away like straw. That would upset everybody. But Pakistan’s ruling elites assume that such a crisis will always be averted with help from international donors. And, says Mr Ahmad, “they are probably right.â€� 

This is a printer friendly version of the page. Go back to the website version » 
Pakistan’s economy 
Plugging leaks, poking holes 
Who will pay for Pakistan’s state? 
Dec 8th 2012 | ISLAMABAD | from the print edition 
PAKISTAN’S national poet, Muhammad Iqbal, believed the subcontinent’s Muslims needed to unite if they were to prosper. Without a strong sense of nationhood, he wrote, “mountains become straw and are blown away in the windâ€�. 

Poetry and taxes do not often mix. But those melancholy lines grace an analysis of Pakistan’s fiscal plight by Ehtisham Ahmad of the London School of Economics. The country’s tax revenues have collapsed. Its debt is almost certainly unsustainable without outside help. And yet Pakistan does not pull together. “Textile lobbies, the urban gentry, traders and agriculturists, all point to the other and say: Tax that group first, but do not tax me,â€� Mr Ahmad writes. 
 


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{Kantakji Group}. Add '11517' your VIP invite

 

 Dear Sir/Madam

This is your VIP invitation to Data and Investment Consult-Lebanon end of year forum Positioning Lebanon GDP and Risks in 2013 which will be convened next Tuesday December 18th at the CROWNE PLAZA HOTEL - HAMRA Street.

The end of year forum will present CAPITALISSUES CoMMEMORATIVE AWARDS for 2012 in 8 categories and will expose our yearly outlook and research trends

Positioning Lebanon GDP and Risks in 2013  contains an impressive line up of local and international speakers; I want to highlight the presence of His Excellency Mr Roger Nasnas – Socio Economic Council

His Excellency Minister of Economy and Trade Mr Nicolas Nahhas
 representing  The President of the Council of Ministers Mr Najib Mikati - 

His Excellency Dr Amine Awad Banking Control Commission -

His Excellency Dr Fadi Khalaf – Secretary Federation of Arab Stock Exchanges – New Instruments and Challenges of the Arab Stock Markets

As risk for non risk professionals is concerned I want to underline the importance of the  Presentation  of Mr Rabih Nehmeh – HEAD OF RISK ASSESSMENT DEPARTMENT Banking Control Commission - Understanding the New Countercyclical Effects of BASEL III On Banks And The Economy.

Also as a first the forum is presenting outlooks; projections and  end of year research  on sovereign, market and credit risks with a special focus on the new precepts for  Banks' Solvability Requirements And Profits Distribution; Macroeconomic Trends and Banking Challenges for offering new services 

The forum is partnering with   the Pan Arab Observatory For Cyber Security And Safety to present a whole panel on Internet regulation; Governance; Cybercrime and IT risk

 

I also have the pleasure to confirm the attendance of His Excellency Mr Hatem Gaafar – Head of the Economic Court - Ministry of Justice - Egypt - to our seminar 

Mr Gaafar will present two papers

A review of Financial Markets Frauds and Related Economic Crime ( Cluster TWO ) 

and 

Understanding eSignature And Electronic Copyright Infringements in Cluster 4

His Excellency Mr Hatem Gaafar is also member of the Pan Arab Observatory For Cyber Security And Safety

 On top of our concerns in this seminar will be

·      Presenting CAPITALISSUES 2013 end of Year Issue and report; the annual compilation of forecasts examining the critical issues that will shape the year ahead. 

·      Announcing CAPITAL ISSUES YEARLY RECOGNITION COMMEMORATIVE AWARDS

·      Introducing ebusinessLebanon FIRST TUESDAY Serie of ICT and internet geeks and conferences in 2013 with a scorecard : Internet regulation; Governance; Cybercrime and IT risk as the new kid on the block

·     Understand sovereign, market and credit risks in 2013 the new precepts for  Banks' Solvability Requirements And Profits Distribution; Macroeconomic Trends and Banking Challenges for offering new services

Venue : December 18th   - 2012 Crown Plaza Hotel

opening 8.45am sharp

 

 

_________________________________________

sender : Maan Barazy

Economist - Certified Shari'a Adviser and Auditor (CSAA- AAOIFI Certified) - MA Islamic Comparative Jurisprudence  - BS International Economics  Managing Partner And CEO of Data and Investment Consult-Lebanon – The Centre For Islamic Finance - 

check our websites: middleeastrisk.com - islamicfinancearabia.com - arabbankingwires.com - lebanondatamonitor.com - ebusinesslebanon.net - shariaafinance.com - alwikala.com

contactus; email : marketing@ebusinesslebanon.net maanbarazy@gmail.com;maanbarazy@datainvestconsult.com

·         Twitter : twitter.com/maanbarazy

·         Linkedin: http://www.linkedin.com/in/maanbarazy

·         Facebook: facebook.com/maanbarazy

·         Accademia.edu : http://independent.academia.edu/maanbarazy

·         Slideshare: http://www.slideshare.net/maanbarazy

 

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سياسة النشر في المجموعة:
ترك ما عارض أهل السنة والجماعة... الاكتفاء بأمور ذات علاقة بالاقتصاد الإسلامي وعلومه ولو بالشيء البسيط، ويستثنى من هذا مايتعلق بالشأن العام على مستوى الأمة... عدم ذكر ما يتعلق بشخص طبيعي أو اعتباري بعينه باستثناء الأمر العام الذي يهم عامة المسلمين... تمرير بعض الأشياء الخفيفة المسلية ضمن قواعد الأدب وخاصة منها التي تأتي من أعضاء لا يشاركون عادة، والقصد من ذلك تشجيعهم على التفاعل الإيجابي... ترك المديح الشخصي...إن كل المقالات والآراء المنشورة تُعبر عن رأي أصحابها، ولا تعبّر عن رأي إدارة المجموعة بالضرورة.
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{ISTABA} Make Du'a of SHIFA for Sister Rehab Al-Aseer [ادعوا لها بالشفاء]

ISLAMIC SOCIETY OF TAMPA BAY AREA

7326 East Sligh Ave., Tampa, Fl 33610

 

السلام عليكم ورحمة الله وبركاته

نرجوا من أخواننا وأخواتنا في الله أن يدعوا الله سبحانه وتعالى ويتضرعوا إليه كي يمنّ وينعم بالشفاء على السيدة رحاب الأسير، أرملة المرحوم الشيخ عادل الأسير والتي ترقد الآن بالمشفى ترجوا منكم الدعاء وزيارتها

مستشفى

Tampa General Hospital

الغرفة رقم

A629


جزاكم الله خيراً


Asalamu Alaikum,

 
Please make Du'a for Shifa (cure) Sister Rehab Al-Aseer, widow of late Imam Adil Al-Aseer, and  mother of Sister Mona Al-Aseer. Sr. Rehab is currently in Tampa General Hospital a serious condition and needs your Du'a AND visits.
 
Tampa General Hospital
1 Tampa General Circle, Tampa, FL 33606
Room No. A629
 
You can also contact her daughter, Sr. Mona at 813.850.1330
 
Jazakumullahu Khairan

 

Other than ISTABA's links, the Islamic Society of Tampa Bay Area is not responsible for contents on any of the posted links. The inclusion of any such links does not necessarily imply a recommendation or endorse the views expressed within them.

 

Islamic Society of Tampa Bay Area

7326 East Sligh Ave., Tampa, Fl 33610

www.ISTABA.org

813.628.0007

 


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Mahmoud Elkasaby
ISTABA Management
813-270-5441
join us on FaceBood https://www.facebook.com/pages/Islamic-Society-of-Tampa-Bay-Area/223068557731678
 
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{Kantakji Group}. Add '11516' Fwd: الأخبار اليومية

---------- Forwarded message ----------
From: نشرة بيان البريدية <bayan-emailnews@ifecenter.com>
Date: 2012/12/12
Subject: الأخبار اليومية
To: suara-san@hotmail.com

مركز بيان للهندسة المالية الإسلامية

عضو المجلس العام للبنوك والمؤسسات المالية الإسلامية  

E-Mail: info@ifecenter.commarketing@ifecenter.com

Website: www.ifecenter.com

 

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سياسة النشر في المجموعة:
ترك ما عارض أهل السنة والجماعة... الاكتفاء بأمور ذات علاقة بالاقتصاد الإسلامي وعلومه ولو بالشيء البسيط، ويستثنى من هذا مايتعلق بالشأن العام على مستوى الأمة... عدم ذكر ما يتعلق بشخص طبيعي أو اعتباري بعينه باستثناء الأمر العام الذي يهم عامة المسلمين... تمرير بعض الأشياء الخفيفة المسلية ضمن قواعد الأدب وخاصة منها التي تأتي من أعضاء لا يشاركون عادة، والقصد من ذلك تشجيعهم على التفاعل الإيجابي... ترك المديح الشخصي...إن كل المقالات والآراء المنشورة تُعبر عن رأي أصحابها، ولا تعبّر عن رأي إدارة المجموعة بالضرورة.
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Re: [PF:171435] Re: Fw: ~: M H O :~ BRUNEI

good

On Wed, Dec 12, 2012 at 12:44 PM, imbest <imbest85@gmail.com> wrote:
Nice


On Tue, Dec 11, 2012 at 3:07 PM, Hayat Khan <khanhayat454@gmail.com> wrote:


__._,_.___

Picture

what was my fault

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{Kantakji Group}. Add '11515' ايجاد معدل العائد الداخلى للمحفظة

السلام عليكم ورحمة الله وبركاته
مرفق لكم الموضوع اعلاه نرجو رايكم 
والله الموفق
اوهاج

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سياسة النشر في المجموعة:
ترك ما عارض أهل السنة والجماعة... الاكتفاء بأمور ذات علاقة بالاقتصاد الإسلامي وعلومه ولو بالشيء البسيط، ويستثنى من هذا مايتعلق بالشأن العام على مستوى الأمة... عدم ذكر ما يتعلق بشخص طبيعي أو اعتباري بعينه باستثناء الأمر العام الذي يهم عامة المسلمين... تمرير بعض الأشياء الخفيفة المسلية ضمن قواعد الأدب وخاصة منها التي تأتي من أعضاء لا يشاركون عادة، والقصد من ذلك تشجيعهم على التفاعل الإيجابي... ترك المديح الشخصي...إن كل المقالات والآراء المنشورة تُعبر عن رأي أصحابها، ولا تعبّر عن رأي إدارة المجموعة بالضرورة.
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{Kantakji Group}. Add '11514' Fwd: ملتقى الخرطوم للمنتجات المالية الاسلامية -- المقال الاسبوعي

---------- Forwarded message ----------
From: Abdelgadir Warsama <awghalib@bbkonline.com>
Date: 2012/12/12
Subject: RE: ملتقى الخرطوم للمنتجات المالية الاسلامية -- المقال الاسبوعي
 

السلام عليكم ورحمة الله


يسرني اضافتكم لقائمة بريدي الالكتروني و ارسال مقالي الأسبوعي المنشور كل أربعاء في جريدة عمان باذن الله 

ونأمل أن تجدوا فيه بعض الفائدة

 

عبد القادر ورسمه

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سياسة النشر في المجموعة:
ترك ما عارض أهل السنة والجماعة... الاكتفاء بأمور ذات علاقة بالاقتصاد الإسلامي وعلومه ولو بالشيء البسيط، ويستثنى من هذا مايتعلق بالشأن العام على مستوى الأمة... عدم ذكر ما يتعلق بشخص طبيعي أو اعتباري بعينه باستثناء الأمر العام الذي يهم عامة المسلمين... تمرير بعض الأشياء الخفيفة المسلية ضمن قواعد الأدب وخاصة منها التي تأتي من أعضاء لا يشاركون عادة، والقصد من ذلك تشجيعهم على التفاعل الإيجابي... ترك المديح الشخصي...إن كل المقالات والآراء المنشورة تُعبر عن رأي أصحابها، ولا تعبّر عن رأي إدارة المجموعة بالضرورة.
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