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Datasheet on Islam
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Manbeline Offline
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Posts: 425
Joined: Feb 2019
Post: #7
RE: Datasheet on Islam
(08-26-2019 04:58 PM)Abelard Lindsey Wrote:  If you have money, there are two ways to invest it. One is in equities, which is ownership shares in an ongoing enterprise. The other is debt investment, which is either bonds or direct loans to ongoing enterprises or individuals. The appreciation of the capital investment is the return on the first. Interest, often called the "time value" of money, is the return on the second form of investment. If interest is banned, as is the case with Islam as well as traditional forms of Christianity, then equity investment is the only form available. This works fine for investing in business enterprises. But is rather difficult for consumer finance, especially big ticket items such as housing. Perhaps, in a system where compound interest is banned, we could go back to the days where there was no consumer finance. We paid cash for everything. Since housing is inherently expensive relative to income, assuming no technology breakthrough like 3-D printing or molecular nanotechnology that makes housing as cheap as, say, a happy meal, I don't really see any alternative to debt finance unless we accept a system where only the wealthy can afford to buy their own houses outright with cash. Afterall, if I have money, or run an institution with money, why would I lend it out (e.g. debt finance) if there is no way for me to earn a return on that money? If course I would never do that.
You do what you did before interest rates. You saved your own money and bought it. The banks were the one who didn't want people saving money on their own instead of loaning it from them. So they did the most devious trick in the world and now force you to have to loan in order to buy a house or to start a relatively small business. Online businesses have helped curve that scam, but I won't be surprised if they come up with a new way to stop people from avoiding bank loan funding.
(This post was last modified: 08-26-2019 05:05 PM by Manbeline.)
08-26-2019 05:05 PM
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Datasheet on Islam - OskuroPekenyo - 08-26-2019, 11:39 AM
RE: Datasheet on Islam - SlickyBoy - 08-26-2019, 12:37 PM
RE: Datasheet on Islam - Manbeline - 08-26-2019, 12:56 PM
RE: Datasheet on Islam - balybary - 08-26-2019, 01:29 PM
RE: Datasheet on Islam - 911 - 08-26-2019, 02:18 PM
RE: Datasheet on Islam - Abelard Lindsey - 08-26-2019, 04:58 PM
RE: Datasheet on Islam - Manbeline - 08-26-2019 05:05 PM
RE: Datasheet on Islam - Gimlet - 08-26-2019, 06:23 PM
RE: Datasheet on Islam - Manbeline - 08-26-2019, 07:48 PM
RE: Datasheet on Islam - Abelard Lindsey - 08-26-2019, 10:20 PM
RE: Datasheet on Islam - Manbeline - 08-27-2019, 10:33 AM
RE: Datasheet on Islam - SlickyBoy - 08-27-2019, 01:14 PM
RE: Datasheet on Islam - Manbeline - 08-27-2019, 01:26 PM
RE: Datasheet on Islam - Abelard Lindsey - 08-26-2019, 05:07 PM
RE: Datasheet on Islam - Manbeline - 08-26-2019, 05:15 PM
RE: Datasheet on Islam - kamoz - 08-26-2019, 05:31 PM
RE: Datasheet on Islam - Kid Twist - 08-26-2019, 06:55 PM
RE: Datasheet on Islam - Oz. - 08-26-2019, 07:29 PM
RE: Datasheet on Islam - PapayaTapper - 08-26-2019, 08:10 PM
RE: Datasheet on Islam - Bienvenuto - 08-26-2019, 08:12 PM
RE: Datasheet on Islam - Athanasius - 08-26-2019, 08:22 PM
RE: Datasheet on Islam - for.petes.sake - 08-26-2019, 09:32 PM
RE: Datasheet on Islam - qwertyuiop - 08-26-2019, 10:29 PM
RE: Datasheet on Islam - Solitaire - 08-26-2019, 11:56 PM
RE: Datasheet on Islam - Mage - 08-27-2019, 01:19 AM
RE: Datasheet on Islam - Blake2 - 09-21-2019, 12:39 PM
RE: Datasheet on Islam - 911 - 08-27-2019, 12:04 PM
RE: Datasheet on Islam - Manbeline - 08-27-2019, 01:10 PM
RE: Datasheet on Islam - cascadecombo - 08-27-2019, 01:32 PM
RE: Datasheet on Islam - Manbeline - 08-27-2019, 01:48 PM
RE: Datasheet on Islam - Tail Gunner - 08-27-2019, 04:04 PM
RE: Datasheet on Islam - Manbeline - 08-27-2019, 04:15 PM
RE: Datasheet on Islam - Kona - 08-27-2019, 08:16 PM
RE: Datasheet on Islam - SlickyBoy - 09-01-2019, 11:48 AM
RE: Datasheet on Islam - 911 - 08-27-2019, 01:40 PM
RE: Datasheet on Islam - Tail Gunner - 08-27-2019, 05:41 PM
RE: Datasheet on Islam - Sherman - 08-27-2019, 07:31 PM
RE: Datasheet on Islam - Tail Gunner - 08-29-2019, 11:25 AM
RE: Datasheet on Islam - OskuroPekenyo - 08-27-2019, 10:13 PM
RE: Datasheet on Islam - Huxley Badkin - 08-28-2019, 03:03 AM
RE: Datasheet on Islam - SlickyBoy - 08-28-2019, 04:12 PM
RE: Datasheet on Islam - Kid Twist - 08-27-2019, 11:18 PM
RE: Datasheet on Islam - Tail Gunner - 08-27-2019, 11:36 PM
RE: Datasheet on Islam - LEMONed IScream - 08-28-2019, 06:27 AM
RE: Datasheet on Islam - Gimlet - 08-29-2019, 08:06 PM
RE: Datasheet on Islam - OskuroPekenyo - 08-28-2019, 07:46 AM
RE: Datasheet on Islam - Tail Gunner - 08-28-2019, 10:50 AM
RE: Datasheet on Islam - OskuroPekenyo - 09-20-2019, 10:23 PM
RE: Datasheet on Islam - PapayaTapper - 08-28-2019, 11:25 AM
RE: Datasheet on Islam - cascadecombo - 08-28-2019, 09:40 AM
RE: Datasheet on Islam - Tail Gunner - 08-28-2019, 12:48 PM
RE: Datasheet on Islam - OskuroPekenyo - 08-28-2019, 03:58 PM
RE: Datasheet on Islam - Kid Twist - 08-28-2019, 06:19 PM
RE: Datasheet on Islam - Athanasius - 08-28-2019, 09:18 PM
RE: Datasheet on Islam - Parlay44 - 08-28-2019, 07:01 PM
RE: Datasheet on Islam - for.petes.sake - 08-28-2019, 08:47 PM
RE: Datasheet on Islam - Captainstabbin - 08-28-2019, 10:11 PM
RE: Datasheet on Islam - OskuroPekenyo - 08-29-2019, 04:38 AM
RE: Datasheet on Islam - Oz. - 08-29-2019, 05:49 AM
RE: Datasheet on Islam - Solitaire - 08-29-2019, 11:05 AM
RE: Datasheet on Islam - Kid Twist - 08-29-2019, 07:22 PM
RE: Datasheet on Islam - OskuroPekenyo - 08-29-2019, 08:46 PM
RE: Datasheet on Islam - for.petes.sake - 08-31-2019, 03:27 PM
RE: Datasheet on Islam - MusicForThePiano - 08-30-2019, 12:34 AM
RE: Datasheet on Islam - tomtud - 08-30-2019, 12:54 AM
RE: Datasheet on Islam - Kona - 08-30-2019, 03:43 AM
RE: Datasheet on Islam - 911 - 08-30-2019, 01:35 PM
RE: Datasheet on Islam - OskuroPekenyo - 08-30-2019, 07:45 AM
RE: Datasheet on Islam - OskuroPekenyo - 08-30-2019, 12:34 PM
RE: Datasheet on Islam - Tail Gunner - 08-30-2019, 01:07 PM
RE: Datasheet on Islam - mikado - 08-30-2019, 01:24 PM
RE: Datasheet on Islam - OskuroPekenyo - 08-30-2019, 01:30 PM
RE: Datasheet on Islam - mikado - 08-30-2019, 01:43 PM
RE: Datasheet on Islam - Tail Gunner - 08-30-2019, 01:39 PM
RE: Datasheet on Islam - PapayaTapper - 09-02-2019, 11:11 AM
RE: Datasheet on Islam - mikado - 09-02-2019, 12:52 PM
RE: Datasheet on Islam - Tail Gunner - 09-02-2019, 01:08 PM
RE: Datasheet on Islam - 911 - 08-30-2019, 01:52 PM
RE: Datasheet on Islam - questor70 - 08-30-2019, 01:55 PM
RE: Datasheet on Islam - tomtud - 08-30-2019, 02:41 PM
RE: Datasheet on Islam - Tail Gunner - 08-30-2019, 03:59 PM
RE: Datasheet on Islam - Athanasius - 08-30-2019, 11:07 PM
RE: Datasheet on Islam - Zevs - 08-31-2019, 06:55 AM
RE: Datasheet on Islam - bk19xsa - 08-31-2019, 07:04 AM
RE: Datasheet on Islam - Mage - 08-31-2019, 09:06 AM
RE: Datasheet on Islam - balybary - 08-31-2019, 11:38 AM
RE: Datasheet on Islam - OskuroPekenyo - 08-31-2019, 10:00 PM
RE: Datasheet on Islam - Bienvenuto - 09-01-2019, 11:55 PM
RE: Datasheet on Islam - Bienvenuto - 09-02-2019, 11:26 PM
RE: Datasheet on Islam - MusicForThePiano - 09-01-2019, 09:24 AM
RE: Datasheet on Islam - Athanasius - 09-01-2019, 07:12 PM
RE: Datasheet on Islam - Sherman - 09-01-2019, 11:16 PM
RE: Datasheet on Islam - duality - 09-02-2019, 04:45 AM
RE: Datasheet on Islam - kruger41 - 09-02-2019, 10:50 AM
RE: Datasheet on Islam - Hannibal - 09-02-2019, 03:09 PM
RE: Datasheet on Islam - sterlingarcher - 09-02-2019, 11:37 PM
RE: Datasheet on Islam - sterlingarcher - 09-02-2019, 11:39 PM
RE: Datasheet on Islam - Sherman - 09-03-2019, 02:41 PM
RE: Datasheet on Islam - Kid Twist - 09-21-2019, 10:56 AM
RE: Datasheet on Islam - OskuroPekenyo - 09-21-2019, 09:53 PM
RE: Datasheet on Islam - Spectrumwalker - 09-21-2019, 11:34 AM
RE: Datasheet on Islam - OskuroPekenyo - 09-21-2019, 07:20 PM
RE: Datasheet on Islam - Spectrumwalker - 09-21-2019, 09:27 PM
RE: Datasheet on Islam - OskuroPekenyo - 09-23-2019, 08:25 AM
RE: Datasheet on Islam - Kid Twist - 09-22-2019, 08:55 AM
RE: Datasheet on Islam - OskuroPekenyo - 09-22-2019, 12:41 PM
RE: Datasheet on Islam - Tail Gunner - 09-22-2019, 12:51 PM
RE: Datasheet on Islam - Kid Twist - 09-21-2019, 06:01 PM
RE: Datasheet on Islam - eradicator - 09-21-2019, 06:33 PM
RE: Datasheet on Islam - SlickyBoy - 09-21-2019, 07:07 PM
RE: Datasheet on Islam - Bienvenuto - 09-22-2019, 01:43 AM
RE: Datasheet on Islam - kamoz - 09-22-2019, 01:53 AM
RE: Datasheet on Islam - OskuroPekenyo - 09-22-2019, 07:14 AM
RE: Datasheet on Islam - TigerMandingo - 09-22-2019, 07:34 AM
RE: Datasheet on Islam - Teedub - 09-22-2019, 07:37 AM
RE: Datasheet on Islam - Kid Twist - 09-22-2019, 11:18 PM
RE: Datasheet on Islam - OskuroPekenyo - 09-23-2019, 05:34 AM
RE: Datasheet on Islam - Bienvenuto - 09-23-2019, 06:22 AM
RE: Datasheet on Islam - Bienvenuto - 09-23-2019, 08:48 AM
RE: Datasheet on Islam - bucky - 09-23-2019, 08:11 AM
RE: Datasheet on Islam - OskuroPekenyo - 09-23-2019, 09:22 AM
RE: Datasheet on Islam - infowarrior1 - 09-23-2019, 05:53 AM
RE: Datasheet on Islam - 911 - 09-23-2019, 09:55 AM
RE: Datasheet on Islam - mikado - 09-23-2019, 11:55 AM
RE: Datasheet on Islam - Tail Gunner - 09-23-2019, 12:48 PM
RE: Datasheet on Islam - eradicator - 12-01-2019, 06:02 AM
RE: Datasheet on Islam - AntoniusofEfa - 12-01-2019, 07:16 AM
RE: Datasheet on Islam - bk19xsa - 12-01-2019, 04:46 PM
RE: Datasheet on Islam - Athanasius - 12-01-2019, 08:49 PM
RE: Datasheet on Islam - 911 - 12-02-2019, 01:49 PM
RE: Datasheet on Islam - y2k - 12-03-2019, 05:30 AM
RE: Datasheet on Islam - OscarManheim - 12-02-2019, 04:53 AM
RE: Datasheet on Islam - Goni - 12-02-2019, 01:56 PM
RE: Datasheet on Islam - 911 - 12-02-2019, 02:31 PM
RE: Datasheet on Islam - 911 - 12-03-2019, 03:27 PM
RE: Datasheet on Islam - Dr. Howard - 12-04-2019, 09:46 AM
RE: Datasheet on Islam - Athanasius - 12-02-2019, 11:45 PM
RE: Datasheet on Islam - 911 - 12-03-2019, 02:42 PM
RE: Datasheet on Islam - Teedub - 12-03-2019, 05:54 AM
RE: Datasheet on Islam - Dr. Howard - 12-03-2019, 09:38 AM
RE: Datasheet on Islam - Teedub - 12-03-2019, 03:40 PM
RE: Datasheet on Islam - Teedub - 12-03-2019, 04:37 PM
RE: Datasheet on Islam - eradicator - 12-03-2019, 05:13 PM
RE: Datasheet on Islam - Teedub - 12-03-2019, 05:49 PM
RE: Datasheet on Islam - eradicator - 12-03-2019, 05:55 PM
RE: Datasheet on Islam - Teedub - 12-03-2019, 06:14 PM
RE: Datasheet on Islam - y2k - 12-05-2019, 03:16 AM
RE: Datasheet on Islam - Dr. Howard - 12-05-2019, 07:53 AM
RE: Datasheet on Islam - y2k - 12-22-2019, 03:50 AM
RE: Datasheet on Islam - Athanasius - 12-23-2019, 09:35 PM
RE: Datasheet on Islam - y2k - 01-07-2020, 07:20 PM
RE: Datasheet on Islam - Athanasius - 01-07-2020, 10:48 PM
RE: Datasheet on Islam - bucky - 01-08-2020, 12:24 AM
RE: Datasheet on Islam - Athanasius - 01-08-2020, 12:49 AM
RE: Datasheet on Islam - Serie A - 12-23-2019, 03:03 PM
RE: Datasheet on Islam - y2k - 12-28-2019, 07:09 PM
RE: Datasheet on Islam - Serie A - 01-06-2020, 12:25 PM
RE: Datasheet on Islam - Kid Twist - 12-23-2019, 10:45 PM
RE: Datasheet on Islam - y2k - 12-28-2019, 08:23 PM
RE: Datasheet on Islam - tomtud - 12-28-2019, 10:11 PM
RE: Datasheet on Islam - y2k - 01-05-2020, 04:37 PM
RE: Datasheet on Islam - eradicator - 12-28-2019, 10:34 PM
RE: Datasheet on Islam - Athanasius - 12-29-2019, 12:30 AM
RE: Datasheet on Islam - bucky - 12-29-2019, 09:53 AM
RE: Datasheet on Islam - Tail Gunner - 12-29-2019, 10:01 AM
RE: Datasheet on Islam - Athanasius - 12-29-2019, 03:47 PM
RE: Datasheet on Islam - y2k - 01-05-2020, 04:56 PM
RE: Datasheet on Islam - Spectrumwalker - 01-06-2020, 03:56 PM
RE: Datasheet on Islam - Kid Twist - 01-06-2020, 10:40 PM
RE: Datasheet on Islam - Tail Gunner - 01-07-2020, 12:11 AM
RE: Datasheet on Islam - Kid Twist - 01-08-2020, 11:59 PM
RE: Datasheet on Islam - Athanasius - 01-09-2020, 02:32 AM
RE: Datasheet on Islam - John16:13 - 01-09-2020, 10:20 PM
RE: Datasheet on Islam - 911 - 01-09-2020, 11:29 PM

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