Credit Cards in Pakistan

Among rewards credit cards, cash back cards are the most popular. Instead of offering bonuses that can only be redeemed for airline miles or hotel stays, cash back cards reward you for your purchases with actual cash that, for the most part, can be used however you like.An important factor in determining which cards are the best cash back credit cards is how much cash is received per dollar spent, and whether it is possible to earn enough cash back to compensate for the cost of carrying the credit card. Keep in mind that in order to maximize your earning potential on any reward card, it is recommended that you pay your balance in full each month in order to avoid paying interest on purchases.If you consistently carry balances on your credit cards, you should instead consider a credit card with a low APR, rather than a card which earns rewards. However, if you believe that you’d benefit most from a cash back credit card, there are 10 cards that stand out above the rest.

Best Cash Back Credit Cards

1. Discover it

5% Cash Back in Rotating Categories Every Quarter; 1% on Everything Else

The Discover it card is the newest version of the Discover More card, but it allows better cash back opportunities than its predecessor. However, the Discover it card is one of the only credit cards that does not offer a sign-up bonus. Instead, you are offered a credit card with one of the highest cash back rates of 5% on quarterly categories, and very few fees. The Discover it card is also one of the only no-annual fee cash back rewards cards that does not carry a foreign transaction fee.

• Sign-up Bonus. Discover it features no sign-up bonus.
• Fees. There is no annual fee and no foreign transaction fee. There is also no late fee on the first late payment. The balance transfer fee is 3% of the transfer.
• Introductory APR. The APR is 0% on purchases and balance transfers for the first 14 months following account opening. After that, the APR is 10.99% to 22.99% depending on your credit worthiness and the prime rate.
• Cash Back Rewards. The rewards program is based on quarterly rotating categories that you sign up for each quarter to get the higher cash back amount. These include purchases such as home improvement, gasoline, and meals at restaurants. These categories earn 5% cash back and generally have a cap of $1,500 in purchases for each quarterly category. After you have reached the cap (or if you do not sign up for the bonus categories each quarter), you earn an unlimited 1% on those purchases. All other purchases made outside of those quarterly categories earn an unlimited 1%. With just the bonus category at 5%, you could earn $75 in cash back per quarter, or $300 per year.
• Redemption. Cash back can be redeemed in increments of $50 for a statement credit or direct deposit into your bank account.

See our Discover it Card Review for more information.

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2. Chase Freedom

5% Cash Back in Rotating Categories Every Quarter; 1% on Everything Else

The Chase Freedom credit card offers a cash back rewards program similar to Discover it with quarterly rotating categories that earn as much as 5% cash back. Unlike the Discover it card, however, the  Chase Freedom card includes a sign-up bonus. On the downside, Chase Freedom has a foreign transaction fee.

• Sign-up Bonus. You are awarded a bonus of $100 cash back when you spend at least $500 in purchases during the first three months after opening the account.
• Fees. There is no annual fee. The foreign transaction fee is 3%, and the balance transfer fee is $5 or 3%, whichever is greater.
• Introductory APR. The APR is 0% on purchases and balance transfers for the first 15 months after opening the account. After that, the APR is 13.99% to 22.99% depending on your credit worthiness and the prime rate.
• Cash Back Rewards. The Chase Freedom card awards 5% cash back on rotating categories that you need to activate each quarter to get the higher cash back amount. The cap on rotating categories is set at $1,500 per category while all other purchases earn 1% cash back. Although there are quarterly caps on the rotating categories, the 1% cash back category is unlimited, as well as the 1% you earn after you reach the cap.
• Redemption. Although similar, one of the differences between the Discover it and Chase Freedom is that the Chase Freedom credit card allows redemption of a minimum of $20 for a statement credit, direct deposit, or paper check. Chase also awards an additional bonus of 10% on the points earned in the previous year if you have a Chase checking account.

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3. Blue Cash Everyday® Card from American Express

3% Cash Back at Supermarkets; 2% at Gas Stations & Department Stores; 1% Elsewhere

If you would like to earn cash back rewards on every day purchases (such as gasoline, groceries, and department stores) without the requirement of managing quarterly rotating categories, the Blue Cash Everyday Card from American Express (a Money Crashers partner) returns as much as 3% for these purchases. While there  is no annual fee for the Blue Cash Everyday, there is a cap on supermarket purchases of $6,000 per year. The American Express Blue Cash Everyday card is considered one of the best cash back credit cards with no annual fee that rewards day-to-day purchases.

• Sign-up Bonus. When you spend $1,000 or more within the first 3 months of opening the account, you receive a bonus of 100 Reward Dollars, which can be redeemed for a $100 statement credit.
• Fees. There is no annual fee. The foreign transaction fee is 2.7%, and the balance transfer fee is $5 or 3% of the total transfer, whichever is greater.
• Introductory APR. The APR is 0% on purchases and balance transfers for the first 15 months of account opening. After that, the APR is 12.99% to 21.99% depending on your credit worthiness and the prime rate.
• Cash Back Rewards. American Express Blue Cash Everyday awards 3% on the first $6,000 spent annually on supermarket purchases in the U.S. (1% thereafter), 2% on gas purchases and U.S. department stores, and 1% on all other purchases. The cap of $6,000 only applies to supermarket purchases, allowing you to earn approximately $180 in cash back per year just in grocery stores. There is no cap on gas purchases, U.S. department stores, or the the “all other purchases” category.
• Redemption. Cash back is awarded in Reward Dollars, with one Reward Dollar being equal to $1. Your Reward Dollars can be redeemed anytime at a minimum of 25 Reward Dollars.

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4. Blue Cash Preferred® Card from American Express

6% Cash Back at Supermarkets; 3% at Gas Stations & Department Stores; 1% Elsewhere

Although the American Express Preferred card (a Money Crashers partner) is similar to the American Express Blue Cash Everyday card, there are several significant differences that also make it an equally competitive cash back credit card. There is an annual fee for the Preferred version, but – depending on your spending habits – it may provide larger rewards than the standard no-annual fee rewards cards. This, along with a program that rewards spending on everyday purchases, establishes the American Express Blue Cash Preferred as one of the best cash back credit cards available.

• Sign-up Bonus. When you spend at least $1,000 with your card in the first 3 months of membership, you receive a bonus of 150 Reward Dollars, which can be redeemed for a $150 statement credit.
• Fees. The annual fee is $75. The foreign transaction fee is 2.7%, and the balance transfer fee is $5 or 3% , whichever is greater.
• Introductory APR. The APR is 0% on purchases and balance transfers for the first 15 months. After that, the APR is 12.99% to 21.99% depending on your credit worthiness and the prime rate.
• Cash Back Rewards. The American Express Blue Cash Preferred card rewards purchases with Reward Dollars at 6% cash back for U.S. supermarkets (up to $6,000 per year in purchases and then 1% thereafter), 3% cash back at U.S. gas stations and U.S. department stores, and 1% everywhere else. While the cap on grocery store purchases is similar to the Blue Cash Everyday card, you earn 6% cash back rather than 3% on those purchases. In comparison, this allows you to earn $360 in cash back on your grocery purchases each year with the Preferred card – double what you would earn with the Blue Cash Everyday card. The amount you spend at supermarkets, gas stations, and U.S. departments stores with your card determines whether the annual fee of the Preferred card is worth the rewards earned. There is no cap on the 1% category or the 1% earned after you reach the cap on grocery store purchases.
• Redemption. Cash back is awarded in Reward Dollars, which can be redeemed anytime at a minimum of 25 Reward Dollars. One Reward Dollar is equal to $1.

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5. Bank AmeriCard Cash Rewards

3% Cash Back on Gas; 2% on Grocery Store Purchases; 1% on Everything Else

The Bank AmeriCard Cash Rewards credit card is a great cash back credit card if you have accounts with Bank of America or Merrill Lynch and do not want to bother with rotating categories. This card rewards you for everyday purchases, and provides a bonus if you have a Bank of America or Merrill Lynch Cash Management account.

• Sign-up Bonus. You earn a bonus of $100 cash back when you spend at least $500 with your card within the first 90 days of opening your account.
• Fees. There is no annual fee. The foreign transaction fee is 3%, and the balance transfer fee is $10 or 3%, whichever is greater.
• Introductory APR. The APR is 0% on purchases and balance transfers for the first 12 months. After that, the APR is 12.99% to 22.99% depending on your credit worthiness and the prime rate.
• Cash Back Rewards. BankAmericard Cash Rewards credit card awards 3% cash back on gasoline purchases, 2% on grocery store purchases, and 1% cash back on all other purchases. The cap is set at $1,500 in combined gasoline and grocery store purchases per quarter, which do not have to be activated. After that, all purchases earn an unlimited 1%.
• Redemption. Rewards can be redeemed for a statement credit or direct deposit into a Bank of America checking or savings account. If you have an account with Bank of America or Merrill Lynch Cash Management, you receive a 10% bonus when you redeem directly into your account.

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6. Capital One Quicksilver Cash Rewards

1.5% Cash Back on All Purchases

There is something to be said for simplicity, which is why the Capital One Quicksilver Cash Rewards credit card is one of the best cash back cards available – especially if you outspend the caps that other cash back credit cards offer. Purchases earn a flat 1.5% cash back, which can be redeemed for any amount as an account credit, check, or gift card. There also no limits to the amount of cash back that can be earned on eligible purchases, so regardless of which category of purchase you make – or whether you spend entirely within one category for a few months – you always earn 1.5% cash back. Additionally, since you can redeem anytime you like, you don’t have to wait until you have a certain amount built up.

• Sign-up Bonus. You earn a bonus of $100 cash back when you spend at least $500 with your card within the first three months of opening an account.
• Fees. There is no annual fee and no foreign transaction fee.
• Introductory APR. The APR is 12.9% to 20.9% depending on your credit worthiness and the prime rate.
• Cash Back Rewards. The Capital One QuickSilver Cash Rewards card awards 1.5% cash back on all purchases – there are no rotating categories or specific purchases that earn more or less. Furthermore, there is no limit to the amount of cash back that you can earn, and rewards do not expire. If you spent $2,000 per month with your card, you would earn $360 in cash back per year – you don’t have to concern yourself with caps or signing up for bonus categories every few months.
• Redemption. Cash back can be redeemed for statement credits, checks, or gift cards in any amount. There is no minimum amount that you need to acquire before you are able to redeem your rewards.

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7. U.S. Bank Cash+ Visa Signature

5% Cash Back in Two Categories of Your Choice; 2% in Another Category; 1% on Everything Else

The U.S. Bank Cash+ Visa Signature card offers an excellent rewards program for diligent cardholders who spend above annual or quarterly caps. The rewards program allows you to choose the categories you receive the highest amount of cash back in each quarter such as grocery stores, car rentals, hotels, and movie theaters. If you are able to plan your spending, you will earn 5% and 2% cash back each quarter in the categories you choose, without any limits in the 2% and 1% cash back categories or worries of expiring rewards. There is also an extra annual bonus of $25 each year, as well as the convenience of redeeming cash back at any time you choose. However, you need to apply in a U.S. Bank branch in order to be considered for approval.

• Sign-up Bonus. There is no sign-up bonus, but you do earn an additional bonus of $25 each year that you redeem $100 or more in a single rewards redemption.
• Fees. There is no annual fee for the card. The foreign transaction fee is 2% for U.S. dollars, and 3% for foreign currency. The balance transfer fee is 3%.
• Introductory APR. The APR on purchases is 13.99% to $23.99%. There is an introductory offer of 0% on balance transfers for the first six months after opening the account, after which the APR will be 13.99% to 23.99% depending on your credit worthiness and the prime rate.
• Cash Back Rewards. The U.S. Bank Cash+ card awards you 5% cash back on your first $2,000 in combined purchases in two categories each quarter that you select (such as restaurants or department stores). The categories may change each quarter, and you must be sure to choose your categories – otherwise, those purchases will earn a mere 1%. There is a spending cap of $2,000 for the 5% categories, after which you earn 1%. You also earn 2% cash back on one everyday category that you choose quarterly (such as gas or groceries) and 1% cash back on all other purchases. There is no cap on purchases made in the 2% or 1% categories, and rewards do not expire.
• Redemption. There is no minimum redemption requirement. You can redeem your cash back at any time to a checking or savings account or as a statement credit.

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8. Fidelity® Investment Rewards American Express® Card

2% Cash Back on All Purchases

The Fidelity Investment Rewards American Express (a Money Crashers partner) is another cash back credit card for those who would rather not manage quarterly categories or plan ahead in order to take advantage of bonus categories. The Fidelity Investment Rewards card offers a simple program for earning points on everyday purchases without limits or rotating categories. There are no special spending categories; you earn two points on all purchases, and you can redeem for cash straight into your account rather than just a statement credit.

• Sign-up Bonus. There is no sign-up bonus.
• Fees. There is no annual fee for the card. The foreign transaction fee is 1%, and the balance transfer fee is $10 or 4% , whichever is greater. This is the lowest foreign transaction fee available, except for the Discover it and Capital One cards which don’t charge any foreign transaction fee at all.
• Introductory APR. The APR on purchases is 13.99%. There is an introductory offer of 0% on balance transfers for seven months, after which the APR becomes 13.99% and varies with the prime rate.
• Cash Back Rewards. You are able to earn a flat two points on each dollar spent (equaling 2%). There are no caps or limits to the amount of cash back that can be earned.
• Redemption. You need a Fidelity account for this card, whether investment or just banking. You can choose to redeem your points as cash deposits into your Fidelity account, or you can redeem them through the WorldPoints  program for airline travel, gift certificates, cash, car rentals, or hotel stays. If you choose automatic deposit, $50 will be deposited each time you make $2,500 in purchases.

THE HIJRAH:

THE HIJRAH:

After Muhammad had preached publicly for more than a decade, the opposition to him reached such a high pitch that, fearful for their safety, he sent some of his adherents to Ethiopia, where the Christian ruler extended protection to them, the memory of which has been cherished by Muslims ever since. But in Mecca the persecution worsened. Muhammad's followers were harassed, abused, and even tortured. At last, therefore, Muhammad sent seventy of his followers off to the northern town of Yathrib, which was later to be renamed Medina ("The City"). Later, in the early fall of 622, he learned of a plot to murder him and, with his closest friend, Abu Bakr al-Siddiq, set off to join the emigrants. 
In Mecca the plotters arrived at Muhammad's home to find that his cousin, 'Ali, had taken his place in bed. Enraged, the Meccans set a price on Muhammad's head and set off in pursuit. Muhammad and Abu Bakr, however, had taken refuge in a cave where, as they hid from their pursuers, a spider spun its web across the cave's mouth. When they saw that the web was unbroken, the Meccans passed by and Muhammad and Abu Bakr went on to Medina, where they were joyously welcomed by a throng of Medinans as well as the Meccans who had gone ahead to prepare the way. This was the Hijrah - anglicized as Hegira - usually, but inaccurately, translated as "Flight" - from which the Muslim era is dated. In fact, the Hijrah was not a flight but a carefully planned migration which marks not only a break in history - the beginning of the Islamic era- but also, for Muhammad and the Muslims, a new way of life. Henceforth, the organizational principle of the community was not to be mere blood kinship, but the greater brotherhood of all Muslims. The men who accompanied Muhammad on the Hijrah were called the Muhajirun - "those that made the Hijrah" or the "Emigrants" - while those in Medina who became Muslims were called the Ansar or "Helpers." 
Muhammad was well acquainted with the situation in Medina. Earlier, before the Hijrah, the city had sent envoys to Mecca asking Muhammad to mediate a dispute between two powerful tribes. What the envoys saw and heard had impressed them and they had invited Muhammad to settle in Medina. After the Hijrah, Muhammad's exceptional qualities so impressed the Medinans that the rival tribes and their allies temporarily closed ranks as, on March 15, 624, Muhammad and his supporters moved against the pagans of Mecca. 
Photo: A colonnade of lofty arches surrounds the courtyard at the Prophet's Mosque in Medina, after Mecca the second holiest city of Islam. The first battle, which took place near Badr, now a small town southwest of Medina, had several important effects. In the first place, the Muslim forces, outnumbered three to one, routed the Meccans. Secondly, the discipline displayed by the Muslims brought home to the Meccans, perhaps for the first time, the abilities of the man they had driven from their city. Thirdly, one of the allied tribes which had pledged support to the Muslims in the Battle of Badr, but had then proved lukewarm when the fighting started, was expelled from Medina one month after the battle. Those who claimed to be allies of the Muslims, but tacitly opposed them, were thus served warning: membership in the community imposed the obligation of total support. A year later the Meccans struck back. Assembling an army of three thousand men, they met the Muslims at Uhud, a ridge outside Medina. After an initial success the Muslims were driven back and the Prophet himself was wounded. As the Muslims were not completely defeated, the Meccans, with an army of ten thousand, attacked Medina again two years later but with quite different results. At the Battle of the Trench, also known as the Battle of the Confederates, the Muslims scored a signal victory by introducing a new defense. On the side of Medina from which attack was expected they dug a trench too deep for the Meccan cavalry to clear without exposing itself to the archers posted behind earthworks on the Medina side. After an inconclusive siege, the Meccans were forced to retire. Thereafter Medina was entirely in the hands of the Muslims. 
The Constitution of Medina - under which the clans accepting Muhammad as the Prophet of God formed an alliance, or federation - dates from this period. It showed that the political consciousness of the Muslim community had reached an important point; its members defined themselves as a community separate from all others. The Constitution also defined the role of non-Muslims in the community. Jews, for example, were part of the community; they were dhimmis, that is, protected people, as long as they conformed to its laws. This established a precedent for the treatment of subject peoples during the later conquests. Christians and Jews, upon payment of a yearly tax, were allowed religious freedom and, while maintaining their status as non-Muslims, were associate members of the Muslim state. This status did not apply to polytheists, who could not be tolerated within a community that worshipped the One God. Photo: The Ka'bah, spiritual axis of the Muslim world, stands in the courtyard of Mecca's Sacred Mosque. Ibn Ishaq, one of the earliest biographers of the Prophet, says it was at about this time that Muhammad sent letters to the rulers of the earth - the King of Persia, the Emperor of Byzantium, the Negus of Abyssinia, and the Governor of Egypt among others - inviting them to submit to Islam. Nothing more fully illustrates the confidence of the small community, as its military power, despite the battle of the Trench, was still negligible. But its confidence was not misplaced. Muhammad so effectively built up a series of alliances among the tribes his early years with the Bedouins must have stood him in good stead here- that by 628 he and fifteen hundred followers were able to demand access to the Ka'bah during negotiations with the Meccans. This was a milestone in the history of the Muslims. Just a short time before, Muhammad had to leave the city of his birth in fear of his life. Now he was being treated by his former enemies as a leader in his own right. A year later, in 629, he reentered and, in effect, conquered Mecca without bloodshed and in a spirit of tolerance which established an ideal for future conquests. He also destroyed the idols in the Ka'bah, to put an end forever to pagan practices there. At the same time Muhammad won the allegiance of 'Amr ibn al-'As, the future conqueror of Egypt, and Khalid ibn al-Walid, the future "Sword of God," both of whom embraced Islam and joined Muhammad. Their conversion was especially noteworthy because these men had been among Muhammad's bitterest opponents only a short time before. 
In one sense Muhammad's return to Mecca was the climax of his mission. In 632, just three years later, he was suddenly taken ill and on June 8 of that year, with his third wife 'Aishah in attendance, the Messenger of God "died with the heat of noon."
Photo: Devout Muslims from all over the world gather for the pilgrimage to Mecca, for nearly fourteen centuries one of the most impressive religious gatherings in the world. 
The death of Muhammad was a profound loss. To his followers this simple man from Mecca was far more than a beloved friend, far more than a gifted administrator, far more than the revered leader who had forged a new state from clusters of warring tribes. Muhammad was also the exemplar of the teachings he had brought them from God: the teachings of the Quran, which, for centuries, have guided the thought and action, the faith and conduct, of innumerable men and women, and which ushered in a distinctive era in the history of mankind. His death, nevertheless, had little effect on the dynamic society he had created in Arabia, and no effect at all on his central mission: to transmit the Quran to the world. As Abu Bakr put it: "Whoever worshipped Muhammad, let him know that Muhammad is dead, but whoever worshipped God, let him know that God lives and dies not."

World of Science

World of Science

The most precise solar calendar, superior to the Julian, is the Jilali, devised under the supervision of Umar Khayyam. 
The Quran contains many references to astronomy: "And it is He who created the night and the day and the sun and the moon; all [heavenly bodies] in an orbit are swimming." [Noble Quran 21:33] 
These references, and the injunctions to learn, inspired the early Muslim scholars to study the heavens. They integrated the earlier works of the Indians, Persians and Greeks into a new synthesis. 
Ptolemy's Almagest (the title as we know it today is actually Arabic) was translated, studied and criticized. Many new stars were discovered, as we see in their Arabic names - Algol, Deneb, Betelgeuse, Rigel, Aldebaran. Astronomical tables were compiled, among them the Toledan tables, which were used by Copernicus, Tycho Brahe and Kepler. 
Also compiled were almanacs - another Arabic term. Other terms from Arabic are zenith, nadir, Aledo, azimuth.
Muslim astronomers were the first to establish observatories, like the one built at Mugharah by Hulagu, the son of Genghis Khan, in Persia, and they invented instruments such as the quadrant and astrolabe, which led to advances not only in astronomy but in oceanic navigation, contributing to the European age of exploration.

Geography
Muslim scholars paid great attention to geography. In fact, the Muslims' great concern for geography originated with their religion. 
The Quran encourages people to travel throughout the earth to see God's signs and patterns everywhere. Islam also requires each Muslim to have at least enough knowledge of geography to know the direction of the Qiblah (the position of the Ka'bah in Makkah) in order to pray five times a day. 
Muslims were also used to taking long journeys to conduct trade as well as to make the Hajj and spread their religion. The far-flung Islamic empire enabled scholar-explorers to compile large amounts of geographical and climatic information from the Atlantic to the Pacific.
Among the most famous names in the field of geography, even in the West, are Ibn Khaldun and Ibn Batuta, renowned for their written accounts of their extensive explorations.
In 1166, Al-Idrisi, the well-known Muslim scholar who served the Sicilian court, produced very accurate maps, including a world map with all the continents and their mountains, rivers and famous cities. Al-Muqdishi was the first geographer to produce accurate maps in color.
Spain was ruled by Muslims under the banner of Islam for over 700 years. By the 15th century of the Gregorian calendar the ruler-ship of Islam had been seated in Spain and Muslims had established centers of learning which commanded respect all over the known world at that time. There were no "Dark Ages" such the rest of Europe experienced for the Muslims in Spain and those who lived there with them. In January of 1492 Muslim Spain capitulated to Catholic Rome under King Ferdinand and Queen Isabella. By July of the same year, Muslims were instrumental in helping navigate Christopher Columbus to the Caribbean South of Florida.
It was, moreover, with the help of Muslim navigators and their inventions that Magellan was able to traverse the Cape of Good Hope, and Da Gamma and Columbus had Muslim navigators on board their ships.

Humanity
Seeking knowledge is obligatory in Islam for every Muslim, man and woman. The main sources of Islam, the Quran and the Sunnah (Prophet Muhammad's traditions), encourage Muslims to seek knowledge and be scholars, since this is the best way for people to know Allah (God), to appreciate His wondrous creations and be thankful for them. 
Muslims have always been eager to seek knowledge, both religious and secular, and within a few years of Muhammad's mission, a great civilization sprang up and flourished. The outcome is shown in the spread of Islamic universities; Al-Zaytunah in Tunis, and Al-Azhar in Cairo go back more than 1,000 years and are the oldest existing universities in the world. Indeed, they were the models for the first European universities, such as Bologna, Heidelberg, and the Sorbonne. Even the familiar academic cap and gown originated at Al-Azhar University.
Muslims made great advances in many different fields, such as geography, physics, chemistry, mathematics, medicine, pharmacology, architecture, linguistics and astronomy. Algebra and the Arabic numerals were introduced to the world by Muslim scholars. The astrolabe, the quadrant, and other navigational devices and maps were developed by Muslim scholars and played an important role in world progress, most notably in Europe's age of exploration.
Muslim scholars studied the ancient civilizations from Greece and Rome to China and India. The works of Aristotle, Ptolemy, Euclid and others were translated into Arabic. Muslim scholars and scientists then added their own creative ideas, discoveries and inventions, and finally transmitted this new knowledge to Europe, leading directly to the Renaissance. Many scientific and medical treatises, having been translated into Latin, were standard text and reference books as late as the 17th and 18th centuries.

Mathematics
Muslim mathematicians excelled in geometry, as can be seen in their graphic arts, and it was the great Al-Biruni (who excelled also in the fields of natural history, even geology and mineralogy) who established trigonometry as a distinct branch of mathematics. Other Muslim mathematicians made significant progress in number theory.
It is interesting to note that Islam so strongly urges mankind to study and explore the universe. For example, the Noble Quran states:
"We (Allah) will show you (mankind) Our signs/patterns in the horizons/universe and in yourselves until you are convinced that the revelation is the truth."

This invitation to explore and search made Muslims interested in astronomy, mathematics, chemistry, and the other sciences, and they had a very clear and firm understanding of the correspondences among geometry, mathematics, and astronomy.
The Muslims invented the symbol for zero (The word "cipher" comes from Arabic sifr), and they organized the numbers into the decimal system - base 10. Additionally, they invented the symbol to express an unknown quantity, i.e. variables like x.
The first great Muslim mathematician, Al-Khawarizmi, invented the subject of algebra (al-Jabr), which was further developed by others, most notably Umar Khayyam. Al-Khawarizmi's work, in Latin translation, brought the Arabic numerals along with the mathematics to Europe, through Spain. The word "algorithm" is derived from his name.

Medicine
In Islam, the human body is a source of appreciation, as it is created by Almighty Allah (God). How it functions, how to keep it clean and safe, how to prevent diseases from attacking it or cure those diseases, have been important issues for Muslims.
Ibn Sina (d. 1037), better known to the West as Avicenna, was perhaps the greatest physician until the modern era. His famous book, Al-Qanun fi al-Tibb, remained a standard textbook even in Europe, for over 700 years. Ibn Sina's work is still studied and built upon in the East.
Prophet Muhammad himself urged people to "take medicines for your diseases", as people at that time were reluctant to do so. He also said,

"God created no illness, except that He has established for it a cure, except for old age. When the antidote is applied, the patient will recover with the permission of God."

Since the religion did not forbid it, Muslim scholars used human cadavers to study anatomy and physiology and to help their students understand how the body functions. This empirical study enabled surgery to develop very quickly.
Al-Razi, known in the West as Rhazes, the famous physician and scientist, (d. 932) was one of the greatest physicians in the world in the Middle Ages. He stressed empirical observation and clinical medicine and was unrivalled as a diagnostician. He also wrote a treatise on hygiene in hospitals. Abul-Qasim Az-Zahrawi was a very famous surgeon in the eleventh century, known in Europe for his work, Concession (Kitab al-Tasrif).
Other significant contributions were made in pharmacology, such as Ibn Sina's Kitab al-Shifa' (Book of Healing), and in public health. Every major city in the Islamic world had a number of excellent hospitals, some of them teaching hospitals, and many of them were specialized for particular diseases, including mental and emotional. The Ottomans were particularly noted for their building of hospitals and for the high level of hygiene practiced in them.
Ask anyone the question: "Do you believe in God?" and you are sure to receive a variety of answers. The question should be "What do you believe about God?"
Think about this:
 If there is a creation, there must be a Creator.
 If there is a Creator, He must be the Sustainer.
 The Creator Cannot Create Himself.
 If He is the sole Creator/Sustainer -- He must be ONE.
God must be one. Otherwise we would see great differences and competition between the gods if there were more than one -- Alone.
Do we agree that this is a creation? Or do we accept that nothing came out of nothing to form this entire universe?
This is a very clear message from Allah, in the Quran. Something does not come out of nothing. So, there must be something in existence already which created all that we know to exist. And that "something" needs to be called upon in times of need and thanksgiving.
As Allah has said in His Book: "I only created you all to worship Me Alone."
He also says that we are all being tested by Him with regard to our wealth, families, children and social status.

Jobs 

While many aspire to go to college after high school, not everyone can, or should, head straight to university. Family issues, a lack of funds, unforeseen responsibilities, or the choice of career path might dissuade someone from attending college. Only 27.5% of the U.S. adult population has a four-year college degree.Many people who do not attend college earn six-figure incomes and become successful without four-year college degrees. In fact, studies revealing that high school graduates earn an average of $1.2 million over the course of their working life illustrate that opportunities exist for those without degrees to make $100,000 or more each year. Achieving financial success without a college degree requires a lot of determination, risk-taking, and networking, but the opportunities are definitely out there.

List of Six Figure Jobs without a College Degree

We’ve compiled the following list of jobs to illustrate some of the most popular careers that offer high income opportunities without a college degree. Keep in mind that just because someone can make $100,000 each year at these jobs does not mean it’s guaranteed. These careers offer the possibility of generating a high income, especially when the careers include a salary, bonuses, commissions, overtime pay, and most importantly, hard work.We referenced PayScale for information about salaries for the jobs on this list. The salaries vary depending upon the city where you live, your experience in the industry, and a variety of other factors.Let’s take a look at some six-figure income jobs that don’t require a four-year college degree:

1. Real Estate Broker
Although being a real estate agent requires a license, interested applicants only need a high school diploma to apply. Brokers are always on call, often work nights, weekends, and holidays, and may experience long stretches of time without generating income.Real estate brokers have an estimated annual salary range of $30,144 to $180,434. During the real estate and house flipping boom, many people became licensed real estate agents, making this a very competitive field. If you have dedication, and continually seek out new clients, however, you can make a good living selling real estate.

2. Air Traffic Controller
Air traffic controllers have to take multiple tests, participate in pre-employment medical screenings, submit to background examinations, and take classes.Air traffic controllers command large salaries, up to $158,966 on average. The job is stressful, however, as air traffic controllers are responsible for maintaining the safety of thousands of people every day.

3. Small Business Owner
You can set your own hours, create your own dress code, and write off some of your expenses (i.e.tax deductions for small business owners) when you own your own business.However, it can take a long time for your new small business to pay off. If you have time, effort, and energy, and if you offer a viable product or service, your risks can pay off with a nice-sized salary for you and your family. We don’t have a salary range for small business owners, but profitable small businesses can expect a six-figure salary if

4. Fire Chief
Most firefighters have at least a high school diploma, and if they stay with a division or battalion long enough, working through the ranks, they can step into a leadership role with the department.Fire chiefs have rewarding careers that also include a lot of risk, and a lot of time away from home. Salaries for fire chiefs range from $42,096 to $119,250.

5. Construction Manager
If you have worked in construction for several years, you may be ready to step up to the role of construction manager. Managers must be on call most of the time in case of any emergencies or delays.Construction companies frequently promote from within, because managers must have a strong knowledge of the company’s core values and policies. Salaries for construction managers range from $41,562 to $130,845.

6. Plumber
Many plumbers make an excellent income without having a college degree. Plumbers learn the trade through technical schools or apprenticeships. Plumbers are always in high demand, and they are paid well because of that demand.For example, my mother recently paid a plumber $120 for 5 minutes worth of work, to replace a valve in the kitchen sink. Plumbers’ salaries can soar as high as $103,731 and beyond, depending on specialties and training.

7. Network/IT Manager
Someone has to keep computers and related equipment working flawlessly, and corporations pay well for experienced IT people. Interested applicants have to keep up with current technology, and have a desire to keep learning as technology changes.Network managers and IT managers employed by companies have stable, 9 to 5 jobs with good salaries, benefits, and retirement accounts. Salaries for IT managers range between $53,477 and $125,101.

8. Hotel Executive Chef
Sought-after executive chefs can easily make over $100,000 per year. Executive chefs work long hours, spend a lot of time away from home, and may have high stress levels. However, for someone who loves to cook, working in a hotel kitchen every day can be rewarding.

9. Radiation Therapist
Radiation therapists must have a two-year associate’s degree, or a certificate in radiation therapy, but they don’t need a four-year college degree. These therapists use radiation to target cancer cells in patients, and are paid in accordance with the importance and detail-oriented nature of their work. Radiation therapists can earn as much as $116,000 a year.

10. Court Reporter
It may not be glamorous or exciting, but if you can transcribe 250 words per minute, and have impeccable attention to detail, there may be a courtroom willing to pay you well for your services.You may need to take classes in transcription, and pass a background check in order to qualify for a job as a court reporter. Depending upon the city of residence, court reporters can earn between $29,995 and $104,000.

11. Pilot
If you do need glamour or excitement on the job, working as a pilot might be the right choice for you. Pilots have many options, including working for commercial airlines, cargo airlines, and corporations. The average annual salary for a pilot is $110,000, but many experienced pilots make twice that amount. Salaries vary based on ratings, experience, and type of license (e.g. sport pilot license vs commercial or airline transport)

Final Word

Believe it or not, many jobs that pay six figures do not require a four-year college degree. The examples listed here are just a few of the careers to consider in lieu of attending college. Pay varies depending upon experience, training, and physical location, but the average salaries for the jobs listed above are proof that making over $100,000 each year without a college degree is possible.