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PRAYER TIMINGS effective 09/29 MCA NOOR Fajr 6:20 6:20 Zohar 1:30 1:30 Asr 4:30 5:15 Maghrib Sunset Sunset Isha 8:15 8:15 Juma1 12:15 12:15 Juma2 1:30 1:30 Newsletter Published Weekly by the Muslim Community Association of San Francisco Bay Area Muharram 18, 1440 Sep 28, 2018 AL-QURAN MCA s All-Hands Dinner Meeting held on Thursday, September 20th He will say: What number of years did ye stay on earth? They will answer: We have spent there a day, or part of a day; but ask those who [are able to] count [time]... He will say: You stayed not but a little,- if you had only known! Did you, then, think that We created you in mere idle play, and that you would not have to return to Us?. QURAN 23:112-115 HADITH Abdullah (RA) reported Allah s Messenger (peace be upon him) as saying: Nothing is more loveable to Allah than His praise as He has praised Himself and no one is more self-respecting than Allah Himself and it As because of this that He has prohibited abominable acts. MUSLIM, Book 50, Hadith 37 TO ADVERTISE, VISIT OUR WEBSITE: www.mcabayarea.org/newsletter Join the MCA Mailing List and Stay Connected Send your ideas and contributions to: MCA Newsletter P.O. Box 180, Santa Clara, CA 95052 newsletter@mcabayarea.org www.mcabayarea.org (408) 727-7277 X416

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Weekend Islamic School Part-Time Admin Wanted Job Description: Organize and maintain school materials (books, forms, supplies, etc) Organize and maintain electronic and paper based school records Manage communication with students, parents, teachers, etc Contribute in other tasks as needed by the Administration Team Approx 15-20 hours / week. On Sundays must be in office 8:30-1:30. Sept 7 & 21 Oct 5 & 19 Nov 2, 16 & 30 Dec 14 Required Skills: Can manage multiple tasks at the same time Good with Technology (Microsoft Office, Excel, Internet, Email, etc) Clear written and verbal communication Highly Desired: Interested to work for the pleasure of Allah SWT Interested in Community Service Patient approach in conflict resolution Note: This is a paid position and you must be eligible to work in a paid position. Please contact us by email at wis@mcabayarea.org MCA Elections 1440 Hijri are near! (2018-2019) Open positions : 1 MCA President. 3 Executive Board Members. 2 Board of Trustees Members. Nomination Deadline: Sunday, September 9 at 9:30 PM > Candidates Forum: Saturday, September 22, from 9:00 PM to 10:30 PM at Khadijah Hall, MCA. Election Dates: Friday, September 28, 7:30-10:30 PM Saturday September 29, 11:00 AM - 2:30 PM Sunday September 30, 10:00 AM - 1:30 PM Venue Khadijah Hall, MCA. http://www.mcabayarea.org/about-us/elections 3

How to Battle Difficulties with Patience and Perseverance (A Quranic Perspective) Towheed Fatma https://understandquran.com the hereafter we have to be patient. Allah (swt) clearly sets out the ingredients for success: perseverance, prayer, steadfastness, and the fear of Allah. If one does these things one is going to act according to the laws of Allah (swt). One will also accept and say that whatever happens is by the will of Allah (swt). Allah (swt) says: It may be that you hate something when it is good for you and it may be that you love something when it is bad for you. Allah (swt) knows and you know not. ~Chapter 2, Verse 216 As Muslims we must remember that Allah (swt) says: Verily, with every difficulty there is relief. We will test you with a certain amount of fear and hunger and loss of wealth and life and fruits of your toil. But give good news to the steadfast: Those who, when disaster strikes them, say, We belong to Allah and to Him we will return. Those are the people who will have blessings and mercy from their Lord; they are the ones who are guided. ~Chapter 2, Verse 155-157 Problems are Universal and Help is Always Near Every single person in this world is facing some sort of trial or test. There may be some facing trials in education, others in their jobs, still others in their businesses, and still more facing problems with family or friends. But Allah (swt) says: Oh you who believe! Seek help with patient perseverance and prayer, for God is with those who patiently persevere. ~Chapter 2, Verse 153 For those who exercise patience, Allah 4 (swt) will help and show a way out of every difficulty. And for those who fear Allah, He (ever) prepares a way out, And He provides for him from (sources) he never could imagine. And if any one puts his trust in Allah, sufficient is (Allah) for him. For Allah will surely accomplish his purpose: verily, for all things has Allah appointed a due proportion. ~Chapter 65, Verse 2-3 Allah (swt) in various places in the Holy Quran links patience and perseverance to success. Seek Allah s help with patient perseverance and prayer. It is indeed hard except for those who are humble. ~Chapter 2, Verse 45 The Ingredients of Success If we want to be successful in this world and Verily, with every difficulty there is relief. ~Chapter 94, Verse 5-6 The Promise And for Allah (swt) to say this once is enough. But Allah (swt) says it twice, one after the other. This is how much Allah (swt) is kind towards us. He says O my slaves be patient. Be patient, because with any trial that you are going to face there will be ease. He tells us that for sure we all will be tested. We all will go through trials and tribulations but nevertheless we will be relieved. Our burden, our trouble, our difficulty will be removed. How? Through prayers, through patience, through complete faith in Allah (swt). And be steadfast in patience, for verily Allah will not suffer the reward of the righteous to perish. ~Chapter 11, Verse 115 Dealing with Crises So many times in our lives something

happens to us and we feel that this is the worst thing that can happen to us. But then after the trial we realize that this is the best thing that could have happened to us. So we have to be patient and know that Allah (swt) is sufficient for us and is the best disposer of all our affairs. He will guide us to that which is good. We must not say I believe and then think Allah is not going to test us. Allah (swt) says in the Quran: Do people think that they will be left alone because they say: We believe, and will not be tested? And We indeed tested those who were before them. And Allah will certainly make (it) known (the truth of) those who are true, and will certainly make (it) known (the falsehood of) those who are liars, (although Allah knows all that before putting them to test). ~Chapter 29, Verse 2-3 With Every Trial, a Solution So whatever trials we are going through, we should know that we have already been told about this by Allah (swt) in the Quran. But we are not left alone with all the trials and difficulties. Allah (swt) gives us the way out. Patiently, then, persevere for the Promise of Allah is true, and ask forgiveness for your faults, and celebrate the praises of your Lord in the evening and in the morning. ~Chapter 40, Verse 55 No one will be granted such goodness except those who exercise patience and selfrestraint, none but persons of the greatest good fortune. ~Chapter 41, Verse 35 We should always remember that our wealth our family, our children, our wives and our status is a test from Allah (swt). Allah (swt) says Your wealth and your children are only a trial (fitnah). And Allah With Him is a great reward (Paradise). ~Chapter 64, Verse 15 All Tests from Allah Everything that we have in this world is a test from Allah (swt). A person is going to continue to be tested throughout his lifetime only to wash off his sins so that on the day of resurrection Allah (swt) puts him in jannah. Whatever test we are going through in this world, we should remember that it is from Allah (swt) and that these test bring us closer and closer to Jannah, provided we deal with them with patience and perseverance. The Reward of Patience There is a beautiful story about patience in the Holy Quran of Prophet Yusuf A.S. His brothers threw him into the well, but he was patient and so Allah (swt) raised him out of that well. He ended up in the house of one of the most powerful people of Egypt, but then Allah (swt) tested him again. The wife of Al Aziz, the finance minister, tried to tempt him, but he was patient. Then Allah (swt) tested him again and threw him into prison. But he was patient for the sake of Allah (swt). And in the end Allah (swt) raised him to a lofty station and he became one of the most powerful people in Egypt. This is the reward of patience. May Allah (swt) provide each one of us with this beautiful quality patience. Will or Trust? Why creating a Trust is far more important than a Will Is Islamic Wasiyya same as creating a Will? Things to resolve if you want to create an Islamic Wassiya in California Must have documents for elderly parents, special needs individuals Learn more @ http://www.awlawgroup.com/wills-trusts-islamic-wasiyya-faq/ 5

The STRONG-D research study aims to help people with Type 2 Diabetes achieve a healthier lifestyle! Do you have Type 2 Diabetes? Do you want a FREE gym membership and support in becoming more active? Stanford University invites you to join us in discovering new ways to live a healthy & active life! Our program gives you a FREE gym membership to 24 Hour Fitness! Limited Space Available! You may be eligible if you are: - Not currently taking insulin - Age 18-80 For more information, contact us at: Phone: (650) 736-2743 Email: diabeticstudy@stanford.edu Or visit us online at: med.stanford.edu/discover clinicaltrials.gov NCT02448498 If you have questions or concerns about research, or the rights of research participants, please call toll free (866) 680 2906, or write to Administrative Panel on Human Subjects in Medical Research, Stanford University, Stanford, CA 94305-5401. Program offered by: DISCOVeR Lab at Stanford University. Sponsored by the National Institutes of Health. 6

You can DONATE STOCKS to MCA And make a bigger impact! Instead of selling your stock and donating your after-tax money to MCA, you can directly donate stock to MCA and may be able to increase your tax deduction for 2018*. *Please consult your CPA for tax related queries Questions: Contact MCA Finance Office Email: finance@mcabayarea.org Phone: (408) 727-7277, ext. 406 7

The Qur an uses the word kufr to denote people who cover up or hide realities. The Qur an uses this word to identify those who denied Allah s favors by not accepting His Dominion and Authority. Kufr thus is an antonym for iman or disbelief in Allah and a kafir is a nonbeliever. This type of kufr is called al-kufr al-akbar or major kufr. There are many types of al-kufr al-akbar: Kufr ul- Inad: Disbelief out of stubborness. This applies to someone who knows the truth and admits to knowing the truth and admits to knowing it with his tongue, but refuses to accept it and refrains from making a declaration. Allah, subhanahu wa ta ala, says, Throw into Hell every stubborn disbeliever. [Surah Qaf (50), ayah 24] Kufr ul-inkar: Disbelief out of denial. This applies to someone who denies with both heart and tongue. Allah, subhanahu wa ta ala, says, They recognize the favors of Allah, yet they deny them. Most of them are disbelievers. [Surah Nahl (16), ayah 83] Kufr ul-kibr: Disbelief out of arrogance and pride. The disbelief by the devils (e.g. Iblis) is an example of this type of kufr. Kufr ul-juhud: Disbelief out of rejection.this applies to someone who aknowledges the truth in his heart, but rejects it with his tongue. This types of kufr is applicable to those who calls themselves Muslims but who reject any necessary and accepted norms of Islam such as salat and zakat. Allah, subhanahu wa ta ala, says, They denied them (i.e. the signs) even though their hearts believed in them, out of spite and arrogance. [Surah Naml (27), ayah 14] Kufr ul-nifaq: Disbelief out of hypocrisy. This applies to someone who pretends to be a believer but conceals his disbelief. Such a person is called a munafiq or hypocrite. Allah, subhanahu wa ta ala, says, Verily the hypocrites will be in the lowest depths of Hell. You will find no one to help them. [SurahAn-Nisa (4), ayah 145] Kufr ul-istihal: Disbelief out of trying to make haram into halal. This applies to someone who accepts as lawful (halal) that which Allah has made unlawful (haram) like alcohol or adultery. Only Allah, subhanahu wa ta ala, has the prerogative to make things halal and haram and those who seek to interfere with His right are like rivals to Him and therefore fall outside the boundries of faith. Kufr ul-kurh: Disbelief out of detesting any of Allah s Commands. Allah, subhanahu wa ta ala, says, Perdition (destruction) has been consigned to those who disbelieve and He will render their actions void. This is because they are averse to that which Allah has revealed so He has made their actions fruitless. [Surah Muhammad (47), ayah 8-9] Kufr ul-istihzaha: Disbelief due to mockery and derision. Allah, subhanahu wa ta ala, says, Say: Was it at Allah, His signs and His apostles that you were mocking? Make no excuses. You have disbelieved after you have believed. LOCAL HHRD OFFICE: LOCAL CONTACT: SHIREEN KHAN 408-469-3995 SHIREEN.KHAN@HHRD.US 3070 SCOTT BLVD, SANTA CLARA, CA 95054 VISIT US AT THE HHRD BOOTH IN MCA BANQUET HALL DURING JUMMAH! 8

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If you would like to contribute a story, poem, an article for this section, please send email to the newsletter editor newsletter@mcabayarea.org 99 names of Allah By Kazi Sisters Have any of you heard of the 99 names of Allah (SWT)? Have you heard any of the nasheeds? You probably know what they are, but do you know why Allah has 99 names? In the Quran, it says to call upon Allah using his names. Do you know why? Let me give you an example: Let s pretend you want a something from a store. You won t go up to your parents and ask them for money by forcing them, instead, you ll ask them nicely. So basically, while making dua and asking Allah for something, by calling him with his different names, Allah becomes very happy and gives you what you ask for. Prophet Muhammad also said, anyone who memorizes them will enter Paradise. So try memorizing the names of Allah. A fun and easy way to memorize is to play the nasheed in the car, while you sleep, or even when you re cleaning. This way, you ll memorize the 99 names in no time. 12

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CLASSIFIEDS To advertise with us, visit our website: www.mcabayarea.org/newsletter newsletter@mcabayarea.org 408-727-7277 Disclaimer: MCA does not endorse and is not responsible for products and services in the ads section of the MCA newsletter. MCA holds the right to reject or accept ads submitted. No ads dealing with a business deemed to be in conflict with Islamic principles will be accepted. 14 DENTISTS/MEDICAL SYED DENTAL CARE GENERAL DENTISTRY Dr. Rafia Syed, Dr. Farhan Syed, Dr. Samia Naeem Open Sundays! Most insurances accepted. 1150 Scott Blvd. Ste A2, Santa Clara, CA 95050 Located near MCA and Masjid An-Noor. For appointments visit our website: www.syeddental.com or call 408-985-SYED MOHSENA AHMAD, DDS, Family Dentistry with a caring approach. Most Insurance accepted. Open on Saturday. 259 Meridian Ave., Ste 12, San Jose, CA 95126 (Between W. San Carlos St. & Park Ave.) Please call: (408) 275-0768 HESHAM AMER, DDS, MSD Board Certified Orthodontist Assistant Professor at UOP Offering braces & Invisalign for children and adults. www.amersmiles.com 259 Meridian Ave #10, San Jose, CA 95126 CALL (408) 297-8707 SARAH AZAD, MD El Camino Women s Medical Group 2500 Hospital Dr. Bldg 8A Mountain View, CA 94040 www.elcaminowomen.com 650-396-8110 650-336-7359 LUBNA AZEEM, DDS General Dentist 2016 Forest Ave, Suite 4, San Jose, 95128 Near O Connor Hospital, Open Saturdays, www.calsmiledental.com Visit our website for coupons (408) 930-5238 ORTHODONTIST Dr. Zahra Ammari, DDS, MDS. Braces and Invisalign for adult and children. Saturday open. Please call: 408-275-0103 DR ZAKIYYAH HYATT, PSYD Psychologist Advocate Consultant Life Coach Building Productive Marriage. Parenting Your Child s Strength. Drzhyatt@gmail.com 1650 Zanker RD., Suite 230, San Jose, CA 95112 (408) 590-8655, (408) 475-5846 SNYDER TRADITIONAL MEDICINE Cupping/Hijama/Acupuncture/Herbs/Nutrition Amy Snyder, Licensed Acupuncturist & Herbalist 1361 S. Winchester Blvd., suite 206 San Jose, CA 95128 408-906-9645, SnyderMedicine.com BUSINESS SERVICES AUTO HAUS EL CAMINO Complete Auto Repair & Service All work guaranteed (20 % Discount) 3100 El Camino Real, Santa Clara, CA. 95051 408 244-3634, Saranmoe@yahoo.com PIONEER TECH ACADEMY Technology Courses at MCA Courses in Database Technologies Cassandra, Oracle, MySQL Courses in Internet Technologies: PHP & MySQL, Ruby & Rails, Java Programming. Register now at: register@pioneertechacademy.com ADAM GLOBAL CONSTRUCTION, INC. General Contractor Lic # 838185 Contact : Alaaeldin Adam 408-661-1525, 408-568-8666 Email : aaldin.adam@gmail.com For all your Construction need : home addition, home remodeling, kitchen & bath remodeling, construction projects mangment. PRINTING SERVICES (Business cards, Flyers, Brochures, Banners, Trade show displays) AT Quick Printing Center - We do Standard and Custom print jobs and bulk mailing. Call: (510) 728 0390 or Email: info@qnrprint.com EDUCATION DARUL-EEMAAN This summer take an opportunity for making your kids learn Quran with Tajweed. classes are held by certified Hafiza with 10 years of experience.we Guarantee you that your child will read Quran with Tajweed in 8-12 weeks( IN SHA ALLAH)call for information (510)3967023 or daruleemaanhafiza@ gmail.com INSURANCE CONCISE NEED AFFORDABLE COVERAGE? AUTO HOME COMMERCIAL HEALTH For a quote call Salah Visit us 1 block from MCA. 2062 Walsh Ave, Ste. B-2, Santa Clara (408) 567-1111 STATE FARM INSURANCE GET ALL THE DISCOUNTS YOU DESERVE Free Complimentary Insurance And Financial Review. Get 35% Discount on All Lines; Auto, Home, Life, Disability & Business. Call Sister Laila at 408-871-8889 2190 s Bascom Ave, Campbell, CA 95008. Laila.helmy.i47x@statefarm.com ISLAMIC HOME FINANCING ARE YOU THINKING OF BUYING A HOME OR REFINANCING THE ONE YOU CURRENTLY OWN? Call today for a free consultation. Salim Vasani 510-255-0105 NMLS #962486 salim.vasani@guidanceresidential.com www.guidanceresidential.com/svasani Home Ownership, the Sharia Way. NON-PROFIT HIDAYA FOUNDATION Donate Zakat and Sadaqah for the poorest of the poor. Read about our 30+ projects at www.hidaya.org (408) 244-3282 RAHIMA FOUNDATION Help Us To Help The Needy. 1823 Houret Ct., Milpitas CA 95035 Email: mail@rahima.org www.rahima.org Phone: 408-262-6006 MOONLIGHT HUMANITY Orphans and Poorest of the Poor. Countries we Currently Support. Burma. Rohingya Refugess in Bangladesh. Cambodia. Cham-Vietnam. www.moonlighthumanity.org Office base in San Jose and Fremont 408-717-3737

REAL ESTATE SHAN SAIGAL-BROKER-408-505-9302 Pl. Call Shan to Buy/Sell/Property Management. 20+Years Experience in this area. Referral Realty Silicon Valley Shan@ShanSaigal.com Bre#00768704 GAMAL HALIM, REAL ESTATE INVESTMENTS Commercial & Residential Sales Foreclosure, Short Sales&probates License# 01352828, 20 Y Experience Email: jimisinca@yahoo.com (925) 525-1305 TASNEEM FATIMA, REALTOR www.peninsulahomesnow.com Direct: 650-752-0793 Cell: 650-799-0404 BRE# 00916894 Coldwell Banker, Residential Brokerage, 630 Ramona Street, Palo Alto, CA 94301 ADAM ATITO TEAM FOR REAL ESTATE & MOBIL NOTARY www.adamatito.com, 650-906-6883 20 + Years Experience in the Bay area. CSR Real Estate Services aatito@gmail.com Bre#01260271 INSURED and BONDED FREE MATH AND SCIENCE TUTORING MCA - Every Sunday, 2-4 PM, Men s Prayer Hall. No appointment needed. Just show up. Call (408) 732-1988 for more info. ALAI HANBALI, REALTOR at REALTY xxfremont, Serving the Community for all your Real Estate needs. Thinking of Buying or Selling a Property, Home, Condo, etc., Feel free to call, text or email Alai at 415-254-5859 alai@realtyexperts.com, DRE#02045099 WALID HAZIN, MBA REAL ESTATE Specialist. Residential and Commercial walid.hazin@kw.com (408) 858-5713 CalBRE#01985393 KELLER WILLIAM REALTY SARATOGA BAY AREA ESTATE TAX / ACCOUNTING Micro Tax, Audit, & Accounting Services, LLP Certified public accountants Tax preperation (e-file), audit, accounting, & payroll services. Call: M. Amin Haroon CPA, FFCA (UK) Ph: 408-986-9829 support@microtaxcpa.com AMERICAN CPA SERVICES. FILE YOUR TAXES WITH SAQIB AMIN, CPA 650.454.4960 or samin@americancpaservices.com We bring high level of knowledge, experience and education to analyze your specific situation for tax saving opportunities. YOUR HOME YOUR AD HERE! LET S DISCUSS ISLAMIC FINANCING! # 925-549-1666 SMSHEIKH@KW.COM ADVERTISE YOUR PRODUCTS AND/OR SERVICES, GROW YOUR BUSINESS, GET NEW CUSTOMERS Email:newsletter@mcabayarea.org 15

P.O. BOX 5481, Santa Clara, CA 95056 FOUNDATION (408) 244-3282 www.hidaya.org Medical Assistance Severe poor economic circumstances result in less attention to personal hygiene in the family leading to various medical problems. The problems are often ignored and can develop into severe long-term health related issues. Health Care for the Poor and Neglected Hidaya assists poor patients suffering from contagious diseases by providing access to doctors, lab tests, medicines and follow-up visits. Assistance is given to patients who need surgeries in the localities where Hidaya operates, and hospitals are provided with equipments, medicines and cash in order to better treat poor patients. Hidaya also collects new and used medical equipments, supplies, and medicines locally, and ships them overseas via its Container Shipment for In-Kind Donations project for use in hospitals and clinics enabling them to provide better service to the poor. Donate online via check or card at www.hidaya.org or call us at (408) 244-3282 or donate at one of Hidaya s Jumah Tables in MCA Banquet Hall or New Lobby. www.hidaya.org (408) 244-3282 mail@hidaya.org Hidaya Foundation is a non-profit 501(C)(3) charitable organization with Tax ID # 77-0502583 16