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Transcript: What is Halloween? and What do people do on Halloween? Origins of Halloween Why we (as Ahmadi Muslims) should avoid celebrating halloween? What is Shirk? Do Muslims believe in ghosts and supernatural things? What is Halloween? Celebrated on the night of October 31st Traditional activities include: Trick-or-treating Carving jack-o-lanterns Costume parties Visiting "haunted houses" Origin of Halloween celebration of the end of the harvest season Samhain was a time used by the ancient pagans to take stock of supplies and prepare for winter The ancient Gaels believed that on October 31, the boundaries between living and the dead overlapped and the deceased would come back to cause havoc such as sickness or damaged crops Masks and costumes were worn in an attempt to mimic the evil spirits or appease them. Why we should avoid celebrating Halloween? Halloween is a harmful innovation among Christians which takes one closer to shirk. The Bible forbids witches, satanic practices etc. but Halloween is generally regarded as fun. Hudhur said it should always be remembered that any ‘fun’ that is based on shirk or any harmful way is to be avoided. We must give up on worldly traditions like these to follow the right path Faith Matters These practices makes children do wrong things in the name of “fun” These practices makes children do wrong things in the name of “fun” Agenda Friday Sermon October 29th 2010 ... small Conclusion Even a hint of shirk is unacceptable to God What is Shirk? Associate anyone in the name, action, or worship of Allah constitutes shirk Condition of Baiat number 6 says that we “shall refrain from following ______________ Ahmadi muslims do not believe in ghosts and other supernatural things (witches, goblins...) Do Muslims believe in ghosts and supernatural being? Heaven is a better reward than the candy get from you get from trick or treat QUESTIONS? “Badness attracts and leads man to adopt it with intensity, while forgetting traditions and beliefs. Some Ahmadis, considering such matters trivial, also get inclined in this way, resulting in very bad consequences” Shirk causes man to sink morally and spiritually. Belief in Divine Unity is a seed out of which grows all virtues, and lack of which lies at the root of all sins Halloween and what do people do on halloween? What other holidays do we not celebrate? Originated from the ancient celtic festival known as Samhain It is extremely wrong to believe in things that are supernatural even if it is for fun We must give up on worldly traditions like these to follow the right path Halloween is a tradition when many people celebrate it with extravagant parties, elaborate costumes and spending more $$$ Hudhur’s Friday Sermon October 29th 2010 Why should Ahmadi Muslims avoid celebrating Halloween? Bringing of dead spirits is WRONG and it goes against what we believe as Muslims

Market Summary Template

Transcript: Average Quoted Rates ($/SF) Source: Reis Source: CoStar vacancy rate under construction Net Absorption (Units) Average Quoted Rates ($/SF) 2Q 2015 Source: Reis vacancy rate Source: CoStar delivered to the market The only delivery in 2015 has been 1K Fulton, the 689,067 SF creative/loft office conversion from an industrial cold storage facility. 4.0% Average Quoted Rates ($/Unit) St. Louis Metropolitan Area (C$B) average asking rate St. Louis Office Market 2Q 2015 0 SF Commercial Real Estate Fundamentals Quoted asking rates have yet to fully recover from recessionary lows and Power Centers have been hit especially hard. PWC Market Position RGA Loan Exposure 807k SF Overall, 47 bps drop year over year and small uptick from previous quarter. 7.2% St. Louis Apartment Market Source: CoStar 3.5 MSF New construction remains healthy and is primarily build-to-suit driven with very little speculative projects. Office Market St. Louis New Retail space is coming online but at a significantly slower pace than historical averages. Net Absorption (SF) Vacancy Rate (%) Quoted asking rates have recovered from recessionary lows but have yet to make any meaningful long term gains. Industrial Market Source: CoStar Unemployment Rate Drops 120 bps YOY under construction average asking rate Deliveries (SF) 842k SF Office Market - Expansion Stage 1 Industrial Market - Recovery Stage 1 Apartments - Expansion Stage 3 Retail Market - Recession Stage 3 Source: CoStar Apartment Market St. Louis Metropolitan Area Retail Market 2018 Political segmentation of cities and counties promotes competition and incentive bidding wars and not a common market goal 2016 Old and aging infrastructure Source: Reis Strengths 1.1 MSF Trade, Transportation, and Utilities lead the pack combined positive net absorption over previous 4 quarters Source: CoStar Source: CoStar Market Summary 175k SF Overall, 95 bps drop year over year and no from previous quarter. Huge talent pool; strong roster of well regarded education institutions Source: CoStar Unemployment had decreased 112 basis points to 5.5 percent in May from 6.2 percent in May of last year. Gains, albeit modest gains, are being made across many office-using sectors including professional and business services and trade, transportation and utilities. Along with this growth the housing market also moved towards full recovery. With employment numbers improving, the real estate market can expect to see more demand as companies expand their footprint. Deliveries (SF) Overall, 10 bps drop year over and small uptick from previous quarter. Source: CoStar PWC Market Position 10.8% Net Absorption (SF) Rapid, new construction has caused speculation in the market that the product type has neared its peak. Net Absorption (SF) Deliveries (Units) Source: CoStar Employment Drives Demand Slow population growth restrains job growth 2015 Average Quoted Rates ($/SF) Weaknesses Source: Reis Deliveries (SF) Strong start for the Chicago industrial market posting nearly 1.0 MSF for the 1st Quarter 2017 vacancy rate combined positive net absorption over previous 4 quarters Strengths & Weaknesses Office Market - Expansion Stage 3 Industrial Market - Recovery Stage 2 Apartments - Contraction Stage 2 Retail Market - Recovery Stage 1 7.3% 2Q 2015 average asking rate Source: CoStar Source: CoStar asking rate Source: CoStar $4.11 PSF 911k SF Quoted asking rates have maintained consistent historical growth and barely dipped in 2009 during the recession. $17.96 PSF Consistent, positive absorption. Major buildings delivered during the 1st Quarter include Corporate Center Bldg C, 752 KSF & 100% leased, and Liberty Business Center, 430 KSF & 0% leased. Quoted asking rates have recovered from recessionary lows but have yet to make any meaningful long term gains. 2Q 2015 Under Construction (SF) The St. Louis economy will progress this year with strong emplyment gains, which will lead to residential demand. Demand will come from new employees migrating into St. Louis and by the un-bundling of existing households as wages begin to rise and the unemployment continues to decline. The St. Louis apartment market lags slightly behind the national apartment market. The market is currently in the third stage of expansion and is projected to move into the second stage of contraction by 2017 and 2018. The US apartment market is currently in the second stage of contraction and is projected to move into the third stage my 2016 and remain there through 2018. Affordable housing and cost of living compared to other large cities Vacancy Rate (%) under construction Slow start for Chicago office market leasing as the market thaws from Winter. Source: CoStar Source: CoStar Source: CoStar St. Louis 2Q 2015 Snap Shot Overall, 58 bps drop year over and no change from previous quarter. Under Construction (SF) Office Market - Expansion Stage 2 Industrial Market - Recovery Stage 1 Apartments - Contraction Stage 1 Retail Market - Recession Stage 3 Source: Reis

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