Write By: admin Published In: Islamic Banking Created Date: 2015-08-15 Hits: 82334 Comment: 45158


One of the major sins that Judaism, Catholicism, and Islam take seriously is the sin of usury (i.e. taking interest on loans of money). The Torah, Gospel, and Quran are unequivocally clear on this matter: Exodus (22:25), Leviticus (25:25-37), Deuteronomy (23:19-21), Matthew (5:17-18), Luke (6:35), Quran (2:275-280, 3:130, 4:161, 3:39).
Usury, in Islamic Shariah, is defined as money made in excess for no work done or entrepreneurial risk taken. In modern terms: interest. St. Thomas Aquinas compared usury to selling time, and time is not a good or service to be sold.


We know that banks make their money by lending money and collecting interest. That is the whole purpose of commercial banking. An Islamic bank, however, figured out a way to make that money by playing a little game: Instead of lending money and collecting it back with interest, the bank engages in business contracts with the borrowers, for a profit.

Example 1

Samir wants to buy the new Audi A8, selling at $75,000. He can take out a loan from a commercial bank. Samir then owns the car “now,” and pays the loan back in small monthly installments over a period of six years, with an annual interest (may include collateral). When Samir pays the last installment, he will have paid the original $75,000 plus the accumulated interest, totalling up to $100,000. Or…
Samir can go to an Islamic bank. The bank purchases the car for him at full price, and Samir agrees to buy the car from the bank at the new price of $100,000, paying that amount in small monthly installments, interest-free! The ownership of the car is fully transferred to Samir upon paying his last installment. Should he be unable to pay the amount in full, the bank retrieves the car as collateral. Certified Islam refers to this form of transaction as murabaha, meaning profiteering, which is of course 100% halal.

Example 2

Samir wants to start a business (for profit). He goes to a commercial bank and explains his business idea with a detailed plan (including cost and revenue estimates). If the bank approves the feasibility of the project, the bank will give Samir a loan to be paid back, with interest, in installments. Or…
Samir goes to an Islamic bank and explains his business idea with a detailed plan (including cost and revenue estimates). If the Islamic bank approves the feasibility of the project, the Islamic bank will sign an agreement with Samir, in which they establish a partnership, known as Mudaraba (also means profiteering). In this contract, the bank offers the capital, and Samir offers the work. But then both Samir and the bank share the profits (each gets the percentage of the profit agreed upon in the contract).

In the end, both types of banks end up making money without putting any work or risk. A commercial bank calls it interest, while an Islamic bank calls it profit. In fact, the idea was so lucrative that HSBC established an Islamic banking subsidiary, in 2003, known as HSBC Amanah, with their slogan (Commitment to the highest Sharia standards).

This system of Islamic banking was only developed in the mid-twentieth century. In 1973, upon the official declaration of the Muslim countries’ finance ministers’ first conference at the Organization of Islamic Conference (OIC), the first Islamic banks began operations in Jeddah and Egypt (Islamic Development Bank) and Dubai (Dubai Islamic Bank) in 1975. As of 2009, Islamic banks’ assets combined (including Iranian banks who joined the game in 1980) are estimated at 400 billion halal dollars.


Islamic Banking brings to mind the story of The People Of The Sabbath from the Islamic tradition, when a small group of Jews in the coastal village of Ayla on the Red Sea cheated God. According to the story, the fish swam near the shore on Saturdays (Jewish Sabbath), the only day they weren’t allowed to do any work, including fishing. But then on all other days, there was barely any fish in the sea. The majority of these Jewish villagers, the true believers, knew that it was a test from God. Thus, they persevered and continued to observe the Sabbath. But then a small group figured out a smart way to circumvent the Law, without upsetting God: They set up their fishing nets on Fridays, and collected their plentiful catch on Sundays. God’s punishment was severe: the Sabbhat violators were disfigured into apes.



Created By 2018-10-30 14:28:33 Posted By Isaiah Comment Link
This is your employment contract <a href=" ">levitra odt</a> In a statement earlier this month, State Street said "WMsupports efforts by the industry to determine and address anyalleged disruptive behaviour by market participants. We welcomefurther discussions on these issues and what preventativemeasures can be adopted."
Created By 2018-10-30 14:28:33 Posted By Kendall Comment Link
I came here to study <a href=" ">tricor company secretary hong kong</a> In Pennsylvania, whose $208 million WIC program supports 250,000 women and children, all local WIC offices remain open and benefits are being dispensed as usual. The state Health Department said it has $25.5 million on hand to continue operating the program through October. Ohio said it has enough money to last through the second week of November.
Created By 2018-10-30 14:28:32 Posted By Willie Comment Link
How much were you paid in your last job? <a href=" ">much does xenical cost philippines</a> Louisville and coach Charlie Strong cannot confirm Dyer's decision or comment on the 2011 BCS championship game MVP until he has officially enrolled. He has not played since 2011 and will be eligible immediately.
Created By 2018-10-30 14:28:32 Posted By Avery Comment Link
I'd like to send this letter by <a href=" ">amoxicillin cost uk</a> The bank is the middle of trying to negotiate a global settlement with federal prosecutors over its role in the packaging and selling of faulty mortgage-backed securities that could result in a potential $11 billion settlement.
Created By 2018-10-30 14:24:44 Posted By Wilmer Comment Link
Have you seen any good films recently? <a href=" ">avanafil pka</a> McDonald's also announced that it would use packaging to make healthier options more attractive for kids. For example, a side of carrots might come in a more colorful, appealing bag. Parents will still be able to order soda with Happy Meals, but McDonald's says it will only promote milk, juice and water on menu boards and in advertising. All advertising to kids will include a "fun nutrition or children's well-being" message, the company said. 
Created By 2018-10-30 14:24:43 Posted By Julia Comment Link
What university do you go to? <a href=" ">avanafil in farmacia</a> So far, America has been completely unable to bend these foreign exporter upstarts and holders of US Treasuries to her will. Squirm and moan as she might, America cannot rat out on the fact that she has so willingly, wilfully and delibrately accrued so much foreign and internal debt &#8212; which has been equally balanced by massive amounts of US Treasuries held in excess by such countries as China &#8212; who have accrued all these savings by simple trading, whereas America accrues her own creaky surplus credit by printing&#8230;printing&#8230;printing.
Created By 2018-10-30 14:24:43 Posted By Darron Comment Link
Pleased to meet you <a href=" ">amitriptyline hcl 75 mg tablet</a> While other nations may spy on their friends, the allegations have fueled anti-American sentiment already simmering in the region. Venezuela, Nicaragua, Bolivia and Ecuador are led by populist leaders who have balked at any dominance by the U.S. in the Americas and pursued policies that often run counter to Washington's wishes. Venezuela refers to the United States simply as "The Empire."
Created By 2018-10-30 14:24:42 Posted By Amber Comment Link
Could you ask her to call me? <a href=" ">wellbutrin sr 100 mg twice daily</a> Eric Yelsma formed Detroit Denim after losing his jobselling specialty printing chemicals once oil hit $100 a barrelin 2008. Yelsma wants to expand Detroit Denim's four-personpayroll, but few Americans know how to make jeans anymore.
Created By 2018-10-30 14:24:41 Posted By Joshua Comment Link
Stolen credit card <a href=" ">avanafil en espao-a</a> "A kind of craziness," was how Democrat Jan Schakowskydescribed the scene on the Hill. The eight-term congresswomanfrom Illinois added that, "combined with the craziness is ameanness that I haven't really seen before."
Created By 2018-10-30 14:23:53 Posted By Frances Comment Link
Very Good Site <a href=" ">buy pentoxifylline 400 mg</a> Much of her relationship with Stein is built around music. Tarleton is reacquainting herself with the piano, but Stein's real musical love is bluegrass, which doesn't have much room for keyboards. So Tarleton asked him to teach her to play banjo.
Created By 2018-10-30 14:23:52 Posted By Roderick Comment Link
Will I be paid weekly or monthly? <a href=" ">trental 400 dose</a> But this September, she’s setting up shop on Broome St. in tony SoHo — but just for two days. At $800 a day for a little over 1,000 square feet, it was affordable, and “it gives us a way to test the waters,” she said.
Created By 2018-10-30 14:23:52 Posted By Federico Comment Link
Very funny pictures <a href=" ">trental 600 mg a rilascio modificato</a> Emerson shares were down 62 cents at $61.72 in morningtrading on the New York Stock Exchange. Through Monday, thestock had risen about 18 percent this year, just below theperformance of the broader U.S. market.
Created By 2018-10-30 14:23:52 Posted By Madelyn Comment Link
Can I take your number? <a href=" ">why allopurinol is not used in acute gout attack</a> According to Pelosi’s 2012 campaign aphorism, “A” stands for American made and promoting policies to help reignite manufacturing in the United States. “B” is to build American infrastructure, including a focus on broadband, water systems and high-speed rail. “C” is for a sense of community, including a focus on police officers, firefighters and public safety.
Created By 2018-10-30 14:23:51 Posted By Bonser Comment Link
I work for myself <a href=" ">assurans dosage</a> The firm focuses nearly half of its growth capital spendingon fast-growing countries. At the end of June, it had 7.1gigawatts of capacity under construction, with about 75 percentof that in fast-growing markets. In Europe, GDF Suez focusesinvestment on renewable energies like wind and solar, and onenergy efficiency services for corporate and public clients.
Created By 2018-10-30 14:22:07 Posted By Mauricio Comment Link
Three years <a href=" ">medicamento generico do xenical</a> Malala spoke at the United Nations on her 16th birthday in July and said the shooting has given her a new sense of courage. Her efforts have led to her becoming the youngest Nobel Peace Prize nominee in history.
Created By 2018-10-30 14:22:06 Posted By Galen Comment Link
Gloomy tales <a href=" ">kamagra now co uk review</a> Merck first invested in QLight in 2012, though the companieshave not disclosed details of the investment. The agreementcalled for an additional investment by Merck upon QLightreaching certain development milestones.
Created By 2018-10-30 14:22:06 Posted By Javier Comment Link
How do I get an outside line? <a href=" ">abbott tricor settlement</a> Rumbo is among the first 1,600 families, almost all refugees from floods and mudslides around Caracas, to have been given homes in new apartment blocks covered in Chavez imagery. Eventually, Caribia is intended to house 20,000 families, although critics complain at the slow pace of construction, the collapse of some shoddily-built walls and the lack of transparency over huge sums invested.
Created By 2018-10-30 14:22:06 Posted By Jerry Comment Link
Could you give me some smaller notes? <a href=" ">fenofibrate capsules micronized 200 mg</a> House Republicans have been working through nearly a dozenbills to fund targeted programs. They included: nutritionprograms for low-income women and their children; a program tosecure nuclear weapons and non-proliferation; intelligencegathering; border patrols; weather monitoring; Head Start schoolprograms for the poor. With a major storm approaching the Gulfcoast, one of the measures passed by the House on Friday wouldfund federal disaster assistance.
Created By 2018-10-30 14:22:05 Posted By Fritz Comment Link
Yes, I play the guitar <a href=" ">1000 mg amoxicillin too much</a> Profit at São Paulo-based BTG Pactual came inslightly above the 612 million reais earned in the firstquarter, according to a securities filing on Tuesday. The resultcame in below the 775 million reais average estimate for profitin a Thomson Reuters survey of four analysts.
Created By 2018-10-30 14:17:28 Posted By Royal Comment Link
I'm happy very good site <a href=" ">pentoxifylline 400 mg</a> On current prices, the shift would see the cost of carbonpermits fall from the planned A$25.40 ($23.09) per tonne fromJuly 2014 to around A$6 per tonne, saving big businessesbillions of dollars in carbon costs.
Created By 2018-10-30 14:17:27 Posted By Brayden Comment Link
Not available at the moment <a href=" ">trental pentoxifylline 400 mg</a> “I did not realize it was going to be so personal,” she admits, but seeing the film opened her eyes. “I realized, it’s always mixed — family, love, friends — it’s always like that. It is a real reflection of my life. Some are going to be surprised when they see me not in high heels and skirts, but in jeans. You can see me vulnerable and stressed — it’s the real me, the good and the bad.”
Created By 2018-10-30 14:17:27 Posted By Jackie Comment Link
This is the job description <a href=" ">para que sirve malegra</a> He took things up a notch for his sophomore year, going with a slicked-back look with sideburns and a goatee before going full punk for his junior campaign, enlisting the professionals at a salon to fine-tune his bleach blond mohawk.
Created By 2018-10-30 14:17:27 Posted By Felipe Comment Link
Have you got any experience? <a href=" ">trental 400 mg cost</a> There were no signs from Congress or the White House of last-minute negotiations to resolve the standoff. Instead, Democrats and Republicans spent their energies trying to pin blame on the other side for failing to avoid a calamity.
Created By 2018-10-30 14:17:26 Posted By Tobias Comment Link
I'd like to open a business account <a href=" ">pentoxifylline trental 400 mg</a> JPP made that clear Tuesday, saying that he will return from June back surgery only when he is fully healthy and when he feels ready. He has no plans to rush back in time for the regular season opener on Sept. 8 in Dallas, even if GM Jerry Reese says he should.
Created By 2018-10-30 14:14:09 Posted By Carlos Comment Link
I'm doing an internship how to take cialis 5 mg once a day While the improved performance was highlighted by Barclays executives at the bank's half-year results, and enormous complaints volumes continue to blight the wider industry, senior managers concede that positioning it as "the go-to bank" is undermined by continuing customer dissatisfaction.
Created By 2018-10-30 14:14:09 Posted By Renato Comment Link
How much is a Second Class stamp? closest otc to aciphex “I did join Athlete Ally because I feel like rights need to be given to those that have a different lifestyle than what some people may consider normal,” said Blake, a married father to daughter Riley. “I think we need to embrace the fact that there are people that want to live their life the way they want to live their life and should be given that right. I'm happy that DOMA (Defense of Marriage Act) was overturned. I'm happy that things like that are getting better. But we're definitely not at the finish line.”
Created By 2018-10-30 14:14:09 Posted By Clint Comment Link
A jiffy bag doxazosin cardura xl National Transportation Safety Board (NTSB) investigators retrieve the flight voice and data recorders from the wreckage of UPS flight 1354 in this handout photo taken in Birmingham, Alabama August 15, 2013.
Created By 2018-10-30 14:14:08 Posted By Wesley Comment Link
Not in at the moment do you need a prescription for cialis in hong kong A: We&rsquo;re going to need to work with what we have and expect that our health care system will become like Canada and the UK. But without some sort of meaningful legal reform in the way malpractice suits are handled, the ACA can&rsquo;t possibly work. Doctors order tests to cover themselves and defensive medicine unquestionably increase the cost of care by 2-25 percent depending on which side of the argument you&rsquo;re taking. A back of the napkin calculation tells me that even a 2 percent reduction as the malpractice lawyers figure would save 60 billion dollars per year. When cost and rationing care seems the agenda, the elephant in the room that sits on my chest is why there&rsquo;s no mention of tort reform in the ACA. We need to get rid of the lobbyists.
Created By 2018-10-30 14:14:08 Posted By Jarod Comment Link
I support Manchester United how hard is it to get a prescription for cialis The cause of the failure was unknown, but engineers suspect the spacecraft lost control, causing its antenna and solar panels to point in the wrong direction. Without power flowing to its onboard computer, Deep Impact likely froze to death.
Created By 2018-10-30 14:08:29 Posted By Vincent Comment Link
Could you tell me my balance, please? how long does it take cialis 20 mg to work This week, I had the opportunity to work with Governor Jeb Bush in Washington, D.C. Jon Karl at ABC News interviewed the governor for a Father's Day special that will air on Sunday, June 16th. Bush spoke with Jon about the Barbara Bush Foundation for Family Literacy, immigration reform and about his dad, President George H.W. Bush, who just turned 89 years old.
Created By 2018-10-30 14:08:28 Posted By Milton Comment Link
I've got a part-time job himcolin crema At Brooklyn’s Old Boys High Field, Hewitt also recalling regularly Olympic-caliber Caribbean performers using the facility’s track for their extreme practices sessions . The runners include 1976 Olympian Seymour Newman (800 meters) of Jamaica; 1976 Olympian Horace Tuitt (800 meters) of Trinidad and Tobago; 1972 and 1976 Olympian Alfred Daley of Jamaica; 1976 and 1980 Olympian Michael (Mike) Solomon (400 meters) of Trinidad and Tobago; 1972 and 1976 Olympian Leighton Preistly (400 meters) of Jamaica; and 1972, 1976 and 1980 Olympian Charles (Charlie) Joseph of Trinidad and Tobago.
Created By 2018-10-30 14:08:28 Posted By Fermin Comment Link
Not available at the moment himcolin gel in saudi arabia Gains in worker pay have lagged behind the previousrecovery. Wages and salaries, unadjusted for changes in prices,have climbed at a 3.2 percent annualized rate since the economyemerged from the recession in June 2009, trailing the 4.5percent pace in the four years after the 2001 slump.
Created By 2018-10-30 14:08:27 Posted By Eva Comment Link
I'm only getting an answering machine buy aciphex generic Even before last week's gestures, Obama and Rouhani, who took office in August, had exchanged letters, and the White House was cautiously optimistic that Rouhani — a relative moderate in Iran's political scene — was ready to have serious talks with the United States and its allies about Iran's nuclear program because years of sanctions have worn down Iran.
Created By 2018-10-30 14:08:27 Posted By Ambrose Comment Link
Nice to meet you himcolin gel does not work There's really nothing all that wrong with defining "success" as making an absolute buffoon of yourself. You get attention that way. You might even make money that way, especially if you convince people that being as much of an embarrassment as you are is, in fact, a good thing &ndash; and you can put them on TV so people can watch the spectacle unfold. And in our absurdly celebrity-obsessed culture, there's enough blurriness to the line between famous and notorious that one can convince oneself they're moral equivalents.
Created By 2018-10-30 14:08:14 Posted By Seth Comment Link
How would you like the money? <a href=" ">priligy costo en colombia</a> Iran's last round of talks with the big powers - the five permanent members of the U.N. Security Council plus Germany, dubbed the P5 1 - was in April in Kazakhstan, before Rouhani's election, and both sides have said they want to continue soon.
Created By 2018-10-30 14:08:13 Posted By Jessica Comment Link
Very interesting tale <a href=" ">priligy online greece</a> * The European Union on Tuesday gave approval for afinancial guarantee from the French state for PSA PeugeotCitroën's in-house banking unit, saying the aid isessential to help the ailing auto maker return to health. ()
Created By 2018-10-30 14:08:12 Posted By Brendon Comment Link
this is be cool 8) <a href=" ">comprar priligy generico espao-a</a> July 25 (Reuters) - Online travel agency Expedia Inc reported a quarterly profit far short of marketestimates due to higher competition and poor performance in itsdiscount website, sending its shares crashing 25percent in extended trade.
Created By 2018-10-30 14:08:11 Posted By Serenity Comment Link
Very funny pictures <a href=" ">priligy 30 mg endikasyonlarä±</a> Yum! Brands Inc fell 8.4 percent to $65.30 as boththe worst performer and biggest drag on the S&P 500 after theKFC parent warned it will take longer than expected forrestaurant sales to rebound in China, which accounts for morethan half the company's overall operating profit.
Created By 2018-10-30 14:08:11 Posted By Johnnie Comment Link
Where's the nearest cash machine? <a href=" ">where can i buy priligy in usa</a> Ministers have dismissed Labour&#039;s pledge of a price freeze on energy bills after 2015, arguing the way to help consumers is to increase competition and make it easier for people to switch supplier in order to access the best possible tariff.
Created By 2018-10-30 14:02:07 Posted By Graig Comment Link
I really like swimming <a href=" ">benicar generic</a> Activision itself is funding the deal with $1.2 billion incash and $4.75 billion by raising new debt, Chief FinancialOfficer Dennis Durkin told analysts. It will also establish a$250 million revolving credit facility, he added.
Created By 2018-10-30 14:02:06 Posted By Craig Comment Link
A company car <a href=" ">imipramine youtube</a> "My client denied all the allegations, and he asserts that his return to Jordan was out of his own free will, in order to be with his family. The procedure was carried out well, and he received good treatment."
Created By 2018-10-30 14:02:06 Posted By Stewart Comment Link
We used to work together <a href=" ">levitra 20mg impotence</a> The U.S. Justice Department and several states sued to blockthe proposed merger with US Airways in August, arguing the $11billion deal would harm consumers by boosting airfares. A federal trial in the case is set to beginNov. 25.
Created By 2018-10-30 14:02:06 Posted By Willis Comment Link
US dollars <a href=" ">benicar hct 40 25 coupons</a> Copies will be available in Starbucks stores, online, and in tear-out ads due to run on Friday in the New York Times, the Wall Street Journal, USA Today and the Washington Post. From this Friday through the weekend, people can take a signed petition to a Starbucks store or sign it in a store. They can also sign the petition online.
Created By 2018-10-30 14:02:05 Posted By Ricardo Comment Link
What sort of music do you listen to? <a href=" ">acyclovir prescription cold sores</a> House Speaker John Boehner said on Sunday a funding bill that would reopen the government but would not make substantial changes to the president&rsquo;s health care law would not pass the GOP-dominated House. The administration &ndash; as well as numerous whip counts by media outlets, including NBC News &ndash; disputes that claim.
Created By 2018-10-30 14:01:42 Posted By Ezekiel Comment Link
Canada>Canada <a href=" ">generico de priligy</a> The closing of satellite offices, such as London, is to be expected as SAC converts to a firm that only manages Cohen's own roughly $9 billion fortune, said one headhunter who declined to be named due to ongoing work with hedge funds.
Created By 2018-10-30 14:01:42 Posted By Rudolf Comment Link
I'm self-employed <a href=" ">oral albuterol uses</a> EFH, formerly TXU Corp, was taken private in 2007 in a $45billion buyout, the largest-ever leveraged buyout. The dealsaddled the company with debt just before a sharp decline innatural gas prices and energy markets.
Created By 2018-10-30 14:01:42 Posted By Craig Comment Link
US dollars <a href=" ">cheap priligy</a> Kidd is trying to get this coaching gig right. If nothing else, he has demonstrated the proper respect and humility about the job. Asked on Tuesday whether he or Brad Stevens was better prepared for an NBA coaching position, Kidd picked Stevens, whose playing career peaked at DePauw University.
Created By 2018-10-30 14:01:41 Posted By Cole Comment Link
I'm at Liverpool University <a href=" ">albuterol ipratropium nebulizer</a> After more than a year of delays and a lawsuit by Valley Meat Co. of Roswell, N.M., the Department of Agriculture in June gave Valley Meat the go-ahead to begin slaughtering horses. Officials said it was legally obligated to issue the permits, even though the Obama administration opposes horse slaughter and is seeking to reinstate a congressional ban that was lifted in 2011.
Created By 2018-10-30 14:01:40 Posted By Dghonson Comment Link
How do you spell that? <a href=" ">bristol myers avapro coupon</a> Sales of its make-or-break new line of smartphones came in well below some analysts' expectations. The results offered little evidence that the company could quickly win back market share from Apple Inc's iPhone as well as Samsung Electronics Co Ltd's Galaxy devices and other phones powered by Google Inc's Android operating system.
Created By 2018-10-30 13:56:03 Posted By Filiberto Comment Link
Can you hear me OK? <a href=" ">where can i buy biaxin </a> He will give a second speech later on Wednesday at theUniversity of Central Missouri, which runs an "InnovationCampus" to give accelerated training and internships to highschool students focused on science, math and engineering.
Created By 2018-10-30 13:56:03 Posted By Bradley Comment Link
I love the theatre <a href=" ">benicar hct 40/25mg tablets</a> Neither faces any kind of crisis. But, industry experts say, many users in mature markets who want a smartphone already have one. European smartphone shipments grew 12 percent in January-March from a year ago, the slowest growth since IT research firm IDC started tracking the mobile market in 2004.
Created By 2018-10-30 13:56:02 Posted By Connie Comment Link
Not in at the moment <a href=" ">what is the generic for benicar 20 mg</a> A spokesman for the federal prison system declined to comment on Cameron Douglas's terms of incarceration. But he said prison administrators are allowed to cancel visiting privileges when prisoners break laws while in federal custody.
Created By 2018-10-30 13:56:02 Posted By Dominic Comment Link
very best job <a href=" ">levitra prescription information</a> Havana retiree Antonio Fernandez, who has visited his children and other family members in the United States, welcomed the new policy, which he said would allow more contact between divided Cuban families.
Created By 2018-10-30 13:56:02 Posted By Joseph Comment Link
Could you ask her to call me? <a href=" ">levitra tablets buy</a> The Securities and Exchange Commission is looking into the bank&#8217;s hiring of Chinese officials&#8217; children and how those hires may have helped J.P. Morgan win business, the New York Times reported.
Created By 2018-10-30 13:34:37 Posted By Hannah Comment Link
Is this a temporary or permanent position? <a href=" ">betamethasone valerate cream o 1</a> &ldquo;Being 45 minutes on the train from Edinburgh, Berwick would come to the fore as a highly strategic spot,&rdquo; says Malcolm Leslie of Savills in Edinburgh, who is also of the view that &ldquo;high-earning people in Scotland might get clobbered. The type of person who commutes to London on a weekly basis may move south of the border, as well as people who live in the Scottish Borders. Lifestyle purchasers will favour the English side of the Tweed. Financial services workers are more likely to move directly to London.&rdquo;
Created By 2018-10-30 13:34:37 Posted By Ezequiel Comment Link
I do some voluntary work <a href=" ">dapoxetine in usa</a> Bamber claimed that his sister, who suffered from mild schizophrenia, had carried out the killings and he told police that his father had telephoned him to say she had gone on the rampage with a gun.
Created By 2018-10-30 13:34:36 Posted By Leroy Comment Link
Sorry, you must have the wrong number <a href=" ">betnovate lotion for scalp psoriasis</a> In the world of financial planning, fee-only advisers oftenpromote themselves as more aligned with their clients' needsthan those who also receive commissions from their firms forselling stocks, bonds and other products. Fee-only advisersoften receive a percentage of assets, meaning compensation ebbsand flows with advances or declines in clients' investments.
Created By 2018-10-30 13:34:36 Posted By Barry Comment Link
Could I borrow your phone, please? <a href=" ">cheap bimatoprost for sale online no prescription required</a> LONDON, Oct 8 (Reuters) - The Swiss-based oil refiner Ineosrefused on Tuesday to go to independent arbitration in a disputewith workers at its Grangemouth refinery and petrochemical plantin Scotland, increasing the chances of a full-scale strike.
Created By 2018-10-30 13:34:35 Posted By Tony Comment Link
I enjoy travelling <a href=" ">kamagra ajanta pharma</a> Kaepernick is a tattooed, gangsta-wannabe who thinks he&#8217;s the coolest person in the room. He&#8217;s going to wind up cooling himself right out of a league that is at a frazzle with hip-hop, tattooed freaks.
Created By 2018-10-30 13:29:07 Posted By Steep777 Comment Link
Who's calling? <a href=" ">where is the best place to buy generic cialis</a> Fixed Odds Betting Terminals had been included in a three-yearly review of the last Labour government&#039;s 2005 Gambling Act, which also covered fruit machines in pub and cafes, as well as high stakes machines in casinos.
Created By 2018-10-30 13:29:07 Posted By Geraldo Comment Link
Have you seen any good films recently? <a href=" ">trileptal coupon offers</a> The iPhone really has shaken everything up. Nikon has made clear that it&#8217;s considering non-camera devices that work with smartphones, and who would buy an in-car satnav these days when your iPhone does it all for you? Garmin has clearly started the move away from standalone hardware with the new HUD, which uses LEDs to project information up onto a plastic film on the inside of your windshield, or onto a small screen which connects to the device.
Created By 2018-10-30 13:29:07 Posted By Julius Comment Link
How much will it cost to send this letter to ? <a href=" ">trileptal 150 mg</a> Varginha is one of Rio's smallest slums, a triangle-shaped chunk of flat, dusty land sitting between two putrid waterways full of raw sewage. On the third side runs a busy main road with an elevated commuter train that noisily rolls by overhead.
Created By 2018-10-30 13:29:06 Posted By Darron Comment Link
Just over two years <a href=" ">iv zofran</a> The Labour leader argued firms had been "overcharging" customers for many years and millions of households would benefit from the temporary cap on prices at a time when finances were under acute pressure and many were struggling to heat their homes.
Created By 2018-10-30 13:29:06 Posted By Steep777 Comment Link
The manager <a href=" ">teva launches generic actos</a> The company, which makes Peterbilt, Kenworth and DAF brandcommercial trucks, reported a second-quarter profit of $291.6million, or 82 cents a share, down from $297.2 million, or 83cents a share, a year before.
Created By 2018-10-30 13:28:45 Posted By Benny Comment Link
Do you have any exams coming up? <a href=" ">albenza tablets</a> Over the longer term, however, Yeo was not too worried about China, saying, "Slower growth is a necessary precondition for a clean-up of the financial system ... and the state's financial resources are considerable and can deal with the problem."
Created By 2018-10-30 13:28:44 Posted By Jarred Comment Link
I'm on business <a href=" ">assurans medicine</a> Congress and the White House ended the partial government shutdown last week with a short-term funding bill. Under the terms, lawmakers must reach a broader agreement by mid-December. A bipartisan committee will soon get to work, and is likely to weigh requests to curb or modify the sequester. 
Created By 2018-10-30 13:28:44 Posted By Edmund Comment Link
I was born in Australia but grew up in England <a href=" ">enalapril 5mg tab apa</a> The dollar inched up 0.1 percent against a basket ofmajor currencies, having fallen for five days in a row -- itslongest such streak since mid-June -- on uncertainty about whenthe U.S. Federal Reserve would start winding back its stimulus.
Created By 2018-10-30 13:28:44 Posted By Brant Comment Link
Cool site goodluck :) <a href=" ">cong dung cua thuoc enalapril maleate 5mg</a> We also need to design and deliver legislation and best practice for the private rented sector for the future. Existing regulations relate to previous eras and a tidying up of current overlaps and complexities is insufficient. And if we are serious about tackling current issues in the private rented sector through localism, resources must be made available to councils.
Created By 2018-10-30 13:28:43 Posted By Edmund Comment Link
Did you go to university? <a href=" ">da li postoji viagra za zene</a> The Royals were clinging to a 5-2 lead when Minnesota's Trevor Plouffe sent a fly ball toward the bullpen in left-center field. After a long run, Lorenzo Cain leaped at the wall and snatched the ball just before it was about to go over the fence, taking away what would have been a two-run homer.
Created By 2018-10-30 13:28:23 Posted By Antonio Comment Link
History <a href=" ">purchase no perscription bimatoprost</a> Caro Quintero, one of the infamous godfathers of Mexican drug trafficking, was freed last week from the Puente Grande prison after serving nearly three decades of a 40-year sentence for ordering the 1985 murder of undercover Drug Enforcement Administration (DEA) agent Enrique Camarena.
Created By 2018-10-30 13:28:23 Posted By Sofia Comment Link
I can't get through at the moment <a href=" ">order bimatoprost online</a> Silver spokesman Michael Whyland said Gov. Cuomo, the Senate and even some of Silver’s Democratic members were worried that a total ban on confidential settlements could keep sex harassment victims from coming forward .
Created By 2018-10-30 13:28:23 Posted By Julian Comment Link
I'd like a phonecard, please <a href=" ">betamethasone 0.05 cream in india for phimosis</a> Kerry's delegation will present the Russians with U.S. intelligence agencies' assessment of the scope of Syria's chemical weapons infrastructure, believed to be among the world's largest, said the official, who briefed reporters on condition of anonymity.
Created By 2018-10-30 13:28:22 Posted By Jaime Comment Link
Why did you come to ? <a href=" ">betamethasone valerate 0.1 scalp application</a> In a statement, Lakers general manager Mitch Kupchak said: &ldquo;It&rsquo;s tough to say goodbye to a player such as Metta. For anyone who&rsquo;s had the opportunity to get to know him, it&rsquo;s impossible not to love him.&rsquo;&rsquo;
Created By 2018-10-30 13:28:21 Posted By Cortez Comment Link
I'm not sure <a href=" ">kamagra health benefits</a> Based in Las Vegas, Nevada, Gary is an entertainment Guru that keeps everyone informed on the entertainment scene. He brings you all the latest news on Hollywood, Technology and sports. He'll let you know what's going on in the NBA, MLB and the NFL. He has 2 years of experience with sports news reporting.
Created By 2018-10-30 13:24:25 Posted By Claire Comment Link
Have you seen any good films recently? <a href=" ">can you take cialis for daily use every other day</a> But Klein said the "Organic Meat" and "No Antibiotics Administered: USDA Verified" labels found in supermarkets mean the meat wasn't treated with antibiotics, even if the animal was sick. She noted that there are other labels that aren't verified by the government, such as "raised without antibiotics."
Created By 2018-10-30 13:24:25 Posted By Xavier Comment Link
Have you got a telephone directory? <a href=" ">aripiprazole generic india</a> Reporting on the second trial was banned until today's verdicts were in and the jury were not told about the guilty verdicts at the earlier trial where the court heard the girl was made to cook, clean, do the washing and ironing for the Ashars and clean the houses and cars of their family and friends.
Created By 2018-10-30 13:24:25 Posted By Kraig Comment Link
I work with computers <a href=" ">eriacta nebenwirkungen</a> Capecci said that the organization adopted security measures over the past few years to protect participants. He said these measures have largely been successful in protecting participants from similar circumstances.
Created By 2018-10-30 13:24:24 Posted By Shirley Comment Link
Which year are you in? <a href=" ">cialis 30 lu tablet tadalafil 100 mg cinsel g artrc</a> They are working Joes, and that’s why they make such meaty heroes. Wahlberg has the role of the wisecracking cop down to a mixture of friendly bartender and older brother, while Washington brings a dash of fresh bitters to the part of the cranky old veteran.
Created By 2018-10-30 13:24:24 Posted By Foster Comment Link
I'd like to send this letter by <a href=" ">order atorvastatin</a> The fight against Islamist terrorists is a tale of two conflicts. The first is a straight-forward campaign pursued by the U.S. military and law enforcement forces, which apprehend or kill jihadists. The second is the complex domestic legal battle over the appropriate responses of a law-based democratic society toward shadowy threats posed by stateless terrorist networks. This second front includes the statutory authority for the use of deadly force against terrorists.
Created By 2018-10-30 13:22:56 Posted By Chuck Comment Link
I can't get through at the moment <a href=" ">levitra prescription cost</a> More than a week after the President announced he was stepping back from unilateral action in Syria and would ask Congress to authorize force against Assad, a diplomatic route suddenly emerged when Russia and Syria reacted positively to a remark from Secretary of State Kerry indicating that the crisis could be defused if Damascus agreed to put its chemical weapons under international control.
Created By 2018-10-30 13:22:55 Posted By Luke Comment Link
Whereabouts in are you from? <a href=" ">can you take cialis two days in a row</a> As a result, grocery and convenience stores - such as 7 Eleven and its 64-ounce Big Gulp - were protected from the ban's reach, even as restaurants, sandwich shops and movie theaters were not. Meanwhile, milkshakes and high-calorie coffee drinks like Starbucks' Frappucinos would have remained unfettered.
Created By 2018-10-30 13:22:55 Posted By Jesus Comment Link
Could I borrow your phone, please? <a href=" ">can cialis be bought over the counter in canada</a> "We like the stock (CNH Industrial) because they have threebusinesses that are under-earning right now, so their mix makesthe stock attractive," said CLSA analyst Ashish Gupta, whoattended the investor presentation.
Created By 2018-10-30 13:22:54 Posted By Chuck Comment Link
Photography <a href=" ">buy levitra cod</a> Tavon Austin had an 84-yard punt return for a touchdown called back by a holding penalty. The Rams also were penalized for a blind-side block that laid out Dallas’ Kyle Wilber, who stayed down for a few minutes before leaving the field on his own.
Created By 2018-10-30 13:22:53 Posted By Adam Comment Link
Could I have an application form? <a href=" ">generic for actos 15 mg</a> "Now we see there&#39;s a complete roll back on gay and lesbian rights," University of Ottawa law professor Nicole Laviolette said. "I do think we could see an increase in people having to flee. ... We could see an increase in claims again."
Created By 2018-10-30 13:22:40 Posted By Damian Comment Link
We work together <a href=" ">assurans online </a> Putin's government, citing the U.S. program of missile defense, also shot down Obama's proposal, offered Wednesday in Berlin, for the United States and Russia to cut their arsenals of nuclear weapons. "How can we take the idea of strategic nuclear weapons reductions seriously when the United States is building up its ability to intercept these strategic nuclear weapons?" Deputy Prime Minister Dmitry Rogozin said.
Created By 2018-10-30 13:22:39 Posted By Darell Comment Link
A jiffy bag <a href=" ">hydroxyzine hcl 50 mg tabs</a> TV, Movies, radio, books, etc. ALL &#8217;caused violence&#8217; before video games &#8217;caused violence&#8217;. And we here are witnessing the sorts of people who&#8217;d heap up a pile of books and set fire to them. Learn well.
Created By 2018-10-30 13:22:39 Posted By Derick Comment Link
I'm doing a phd in chemistry <a href=" ">assurans medicine</a> The political crisis raised fresh concern about whetherCongress can meet a crucial mid-October deadline to raise thegovernment's $16.7 trillion debt ceiling. Some Republicans seethat vote as another opportunity to undercut Obama's healthcarelaw.
Created By 2018-10-30 13:22:38 Posted By Friend35 Comment Link
I'm training to be an engineer <a href=" ">generic viagra pas cher en france</a> Investors seemed to interpret Loeb's decision to sell most of his holdings in the company as a sign that he thinks the shares may have peaked for a while. The shares fell $1.17, or 4 percent, to $27.94 in Monday's afternoon trading. The stock touched a five-year high of $29.83 last week after Yahoo disclosed Alibaba's earnings and revenue are still soaring.
Created By 2018-10-30 13:22:38 Posted By Randolph Comment Link
I'm on work experience <a href=" ">enalapril maleate 2.5 mg for dogs</a> Zeman doesn't fit the template of the polished, media-friendly modern politician. He is a burly, sausage-loving, heavy smoker who makes no secret of his liking for a drink, though after a recent diagnosis of diabetes the health minister says he needs to cut down on both tobacco and alcohol. He is quick to remind people that Winston Churchill, too, was a drinker, while Adolf Hitler was teetotal.
Created By 2018-10-30 13:17:24 Posted By Gerard Comment Link
A financial advisor <a href=" ">atorvastatin calcium 10 mg oral tablet</a> When the Giants returned to the practice field on Wednesday, the doom and gloom began to dissipate and a sense of optimism blossomed. By Friday, everything seemed close to normal, with the Giants in a business-as-usual mode as they prepared for Kansas City.
Created By 2018-10-30 13:17:23 Posted By Henry Comment Link
real beauty page <a href=" ">levitra prices in mexico</a> Boffins used thousands of kilometres of airborne radar data collected by NASA and researchers from the UK and Germany over several decades to map the landscape lying under Greenland's ice sheet. A large portion of the data came from the space agency's Operation Icebridge, a six-year mission that is the largest airborne survey of the Earth's polar ice ever flown.
Created By 2018-10-30 13:17:23 Posted By Reinaldo Comment Link
this is be cool 8) <a href=" ">how long does cialis stay in your system drug test</a> Heavy clashes were reported as rebels fighting to overthrow President Bashar al-Assad, whose Alawite sect is an offshoot of Shi'ite Islam, attacked Lebanese Hezbollah and Iraqi Shi'ite militia based in the Saida Zainab suburb of Damascus with mortar bombs and automatic weapons, the sources said.
Created By 2018-10-30 13:17:22 Posted By Gavin Comment Link
I went to <a href=" ">eriacta</a> It isn't just malicious sites, though. Hackers can sneak malicious code on to legitimate websites. The code scans your computers for security holes. If it finds one, a virus can download and install without you doing anything.
Created By 2018-10-30 13:17:22 Posted By Titus Comment Link
Have you got a current driving licence? <a href=" ">is 10 mg of abilify too much</a> “When asked why I lost, I used to say, ‘Why do you think?’ ” Dinkins states in a memoir due for fall release. “I did not want to say it out loud, but it’s time. Now I say, ‘Racism, plain and simple.’ ”
Created By 2018-10-30 13:07:05 Posted By Buddy Comment Link
It's funny goodluck <a href=" ">over the counter pill that works like viagra</a> But he said that even investors in the city's generalobligation bonds will be required to accept reduced payments aspart of the bankruptcy process. "Most unsecured debt inbankruptcy gets a haircut," Orr said. "That's just whathappens."
Created By 2018-10-30 13:07:05 Posted By Sebastian Comment Link
Would you like a receipt? <a href=" ">cheapest lovegra</a> Afterward Rosenthal only hinted at the satisfaction of the matchup. “I think you get fired up to face him because he’s such a great talent,’’ he said. “He’s going to do what he does and we’re going to do what we do. That’s all we can control.”
Created By 2018-10-30 13:07:04 Posted By Linwood Comment Link
I've just graduated <a href=" ">voltaren gel canada</a> It isn&#8217;t the markets it is the hyperbole and spin from all the talking heads. When grocery stores close and two of the worlds largest retailers (JCP & Macys) have bad times then you are observing the real feelings of consumers around spendable income. Cars are selling because leases and deals have never been better and they need to just &#8220;move units&#8221; off their lots. The improving economy is only a mirage when 7.6 million Americans have quit and been removed from the unemployment figures because of it.
Created By 2018-10-30 13:07:04 Posted By Frederick Comment Link
I like it a lot <a href=" ">lovegra 100mg opinie</a> In the following days I flew over the flooded areas to the east which covered hundreds of square miles of crop land and oil and gas fields. I saw a city neighborhood in Longmont a long way from a river that had been inundated with walls of mud destroying the contents of houses. I saw a trailer park that floated the homes into giant heaps of wreckage.
Created By 2018-10-30 13:07:04 Posted By Cedric Comment Link
I live here <a href=" ">diclofenac 75mg</a> Those accomplishments alone would have strengthened Christie's re-election bid, but it was his leadership during Hurricane Sandy last fall that raised his profile inside and outside of New Jersey. Sandy was the worst storm to hit the state in 100 years and Christie took it personally, hugging displaced residents and business owners as he inspected the ravaged beach communities of his youth, at times with tears in his eyes. He pressed Congress to expedite aid and angered some Republicans by touring the damaged areas with President Obama days before the 2012 election.
Created By 2018-10-30 13:06:09 Posted By Wilfred Comment Link
How long are you planning to stay here? how long should cialis take to work The world's largest wheat importer usually consumes around10 million tonnes of foreign wheat a year with around half ofthat purchased by the General Authority for Supply Commodities(GASC) for the government programme.

Leave A Comment