After listening this, how beautifully Allah has maintained the money cycle. If only people pay actual zakat of the assets they have. The world will be a better place. SubhanAllah
Alhamdullilah, अली भाई. आपके वजह से नौजवानो को समझाणा आसान हो गया | मौलवियो कि जो पोल खोल हुई है इससे वो बौखला गये | लेकिन जो गुमराह थे अल्लाह ने उन्हे हिदायत दि | अल्लाह आपको जजा ए खैर दे, आमीन |🤲🤲
Asalamualikum, kindly please koi guide krde is bat py. Me 20 saal ki hun aur online kaam krti hun aur meri amdani fixed nahi, aik mahine zyada paisa banta hai to aik mahine banta hi nahi but mujhe aik saal hogaya hai kaam krte huwe aur meri kuch savings bhi hain to kya meri un savings py bhi zakat hogi? Savings zyada nahi hain jese apne bola ky jiske pas 7.5 tola sona hoga to 2.5% uspe zakat hogi but mere pas itne sonay jitne paise nahi hain bohat kam hain isse to kya meri uspe zakat farz hai? Aur agar han farz hai to kya meri savings py hi zakat farz hogi ya jo mere pas sab kuch hai 1 rs se leke 10 lakh tak jo use me paise hain woh sab mila ky mujhe uska 2.5% nikal ky zakat deni hogi? Yeh me srif apna pooch rhi hun, mere ami abu alag se zakat nikalte hain, Mujhe aik saal huwa hai kaam krte huwe aur apni kamai horhi hai tou us hawalay se I’m confused ky mujhe alag se zakat nikalni chaiye ya nahi?
Aap nay kaha k ager maal main azafa ho tu aus pay zakat ho ge lakin ager kam ho jay tu aus pay kia farman hai aap nay nahi bataya .. example ager meray pay 1 lack hai lakin saal pura same yan bari nahi bul k 80 yan 70 thousands hotay hain tu aus main kia farmaya gaya..
Aslam.o.Allkum ager ek bewa urat hyn unka beta parta h or wo khud kmati hyn or makan apna or zewar 20 tolly se bhi zada hai.. Lykin wo zakat or kherat khati hyn.. Kia un per apne zewar ki zakat dyna wajib hai? Jb k wo zewar unho ne apne bety yia ek hi beti k futre k liy sambhala ho.. ???
Kisi ka makan h,jis ka wo kiraya wasool krta h her mah,or as a property is ki maliyat bhu year by year increase horahi h.tu jia us makan pr zakat h,jb k zaryaye maash bhi behter mojud hu,or apney zati dosrey makan me rehaish ho,braye meher bani rehnumai kren.
علمی کتابی مسلمانوں کے فرقے کے یہ مولوی صاحب پنجابی طوطے کی طرح میں میں ٹیں ٹیں کرکے بول رہے ہیں۔ ہاتھوں کی ایکٹنگ سے بھی یہ علمی کتابی لگ رہے ہیں۔ ماشاء اللہ○
Asalam o alikum, please mujhy batayen agr kisi society mai installments py plot book krwaya ho. Or installments complete ho gaye hoo phr possession abhi tuk nhi milli. Or development charges pending hain. Intention investment hai ky jb in future rate acha mily ga to sale kren gay. Question is kiya is property py zakat lagy gi? Agr lagy gi to booking value py yah market value py? Please jald bata dein mai ny zakat pay krni hai
Asalamoalikum…meri shadi feb 2020 mai howi ti tb meray pass sona aya… zakat maal py saal bhar guzerny k baad farz hoti to kya 2020 sy 202l k saal ki bhi zakat ho gi? Meray pass pehly itni rakam ti ni k zakat dy sakoun ab sona baicha hy k zakat dy sakoun to please please mujhy guide kr dain k 2023 February tak kitny saloun ki zakat farz hy meray py
زکواة فرض ھے سال گزرنا شرط ھے محرم میں مال آیا تو محرم میں ھی فرض ھوگی اگر پہلے دیگا تو صدقہ ھوگا اور لیٹ کرے گا تو اللہ کے حصہ کا مال روک رھا ھے جو جاٸز نہی رمضان میں صدقہ کرنے کا ثواب 700گناہ بڑھ جاتا ھے زکواة فرض
Bhaijaan plz reply 1- USA , Canada, England etc countries hum sab ghar down payment pr letay hein aur mortgage pay krtay hein, iss mein interest bhi pay krtay hein, yeh gunha hai ? 2- ghar pr qarz hai lekin saving $8,000 hai tou zakat hogi? 3- ghar ka loan hai four hundred thousands aur savings hein twenty thousands cash , zakat kia hogi ? 4- gold k total weight ka nahi pata k kitna hai aur ghar ka loan hai kitni zakat hogi, aik hi family k 4 different people k liye information chahye ???thanks 🙏
if you are making the house of intension with making a house as future investment then you have zakat to pay. the loan in terms of business is actually investment and not loan. Please do know the zakat is compulsory on the "rich" ( ghani). If you are living in abroad and maintaining a lifestyle then i think you know that whether zakat is compulsory on you or not.
Masha Allah jazakallah plz aj k hisab se apky pas kitni saving per zakat he aur sona sary sat toly nahi he sirf 20 gram he aur ek lahk hain tu kia in sub ko mila kar zakat daingy plz plz batain
Sahib e Nisab mean when we have suppose gold more than 7.5 …. We have to pay zakat …but if new money added just b4 few months then should we pay 2.5% of total ?
Mere hisab sai yea drust nai kai aik din pehlai agar raqam add hgai to total par 1/40th lagai ga balkai fundamentals kai mutabiq maal ka saal guzarna tai hai to jo raqam par saal guzra sirf uspar hgi aur jo aik din pehlai aya uspar ni hai warna jo sonai ka kaam kartai hain unka to mamla bigar jaiga
Salam, can you please also inform ke kia agar apney koi car installment par li ha and obviously jo uska remaining balance hota ha that is your liability and apnay har month aik fixed amount pay karna hota ha aglay 3 ya 4 salon tak, to kia un installments jokay car ke value ha jo abhe apnay pay karni hai installment par wo apki liability ya debt ha to kia ap usko apnay assets ya savings main say minus karsaktay hain for zakat calculation?
Mere pas chandi nhe hy Par 5 tola Sona hy to Kiya mujhe pe zakat banti hy ya nhe Ur janwar ya parinde pe bhi zakat hy ya nhe 70 hazar ki cat hy 60 hazar ka tota hy
Ali Bhai hamen ksy ny btaya ha ky gold jtna bhy ho uspy zakat lagy Hy Chahy 1 tola bhy ho. Aismy to guide kr den koi. Kuch log khty hn 7.5 toly Wala thk ni ha nasab. Please guide Karen. Unka moqif ye bhy ha ky aj Kal 1 tola Sona ky price 52 toly chandi sy Zaida to 1 toly pr bhy zakat lagy gy.
agr Gold bs 1 2 tola ho or sath jo saving ho wo b 7 toly k barabar na bany or dono ki amount mila kr b sony ka nisab na bany to tb b zakat deni hogi? jesy aj kal kehty hain k 1 tola sona b 52.5 tola chandi se mehnga hai to agr utna ho to us pr b zakat lagy gi. kindly reply de den. Jaza k'Allah
Salam bhai kia hall hai ap ka .bhai ap say pochna yeh hai k kia zakaat k paso say masjid ma pani nikal sickty hai .jab masjid ma pani ka bohut masla hai .
Ager koi banda ek plot khareedta he.. 1 savings k lia to zakat hogi? 2 apna ghar banane k lia to zaka hogi? 3 ghar bana kar sale karne ke niat se( matlab bussiness ke niat se) lakin market me kami ane ke wajese wo ghar banane me dair karta he or sal guzar jata he or phir ghar bana kar sale karta he...lakin sal se zada ho jata he...to is pe zakat hogi?????
kya koi bta sktaa hai K pura sal paisy save rahy or zakat deny sw 1 mnth phly us mj se adhy khrch hogy ab zakat wo total saving py lgy gi ya bss remaining amount py
Ali bhai jo jewellery ka kaam karte hain wo kis hisaab se zakat de matlb jinki shop hi jewellery ki ho ki stalk pe deni hai ya profit pe meine kafi loogon se ye sawal kiya koi bi sakoon de jawab nhi mila plzzz wazahat farmaye ...ur student from jammu and kashmir india
After listening this, how beautifully Allah has maintained the money cycle. If only people pay actual zakat of the assets they have. The world will be a better place. SubhanAllah
Alhamdullilah, अली भाई. आपके वजह से नौजवानो को समझाणा आसान हो गया | मौलवियो कि जो पोल खोल हुई है इससे वो बौखला गये | लेकिन जो गुमराह थे अल्लाह ने उन्हे हिदायत दि | अल्लाह आपको जजा ए खैर दे, आमीन |🤲🤲
Ye ali Mirza sab bhi molviyo se bhi den shikhe he Bina molviyo ke den aasan nahi he
Alhumdulillah Allah hum SB ko Sahi raste pe Chala.. ese lider ki SB ko zarurat h
Jazak Allah deen ko ap jaise educated logo ki zaroorat hai.
Mashallah Dil khush ho gaya 🇮🇳 mufti sahab 💝❤️
Mashallah 🙏🕋
Beshaq,Har muslim,Sahi Zakat nikale.hamari barbadi ki wajah yahi bhai,Gaur kar Len.
wow easy fact 40 per divide, really helpful
Haaq goo Aalim e deen Ali bahi....👍🌹❣
Jazakallah Allah aap ki hifazat kare aameen 🇮🇳
Jazakallah khair from India
Love to see mirza ali
Mash Allah jazakAllah khaira
jazak allha allha aap ka elm. ma barkat da
Masha allah allah aap ko jzae khair de
Jazak Allahu Khaira
ماشاءاللہ، جزاک اللّہ خیرا
ali bi ap ko alla taalla jazay khar da ameen
mai ne aik bar apne shawhar se ghussa me kaha k tumhara paisa mere lie haram hai to shariat k motabiq keya hukam hai
Aameen
@@shahnazparween927 پپپپپپپپ/پ/پ///پہ//پپپپپپپپ//پ////پپپ/پ//طظظظطپ0ططططظطئطططططططظطظط
@@mushibhai1936 ye kya bakwas hae
Haram nh hota, es tara ki baato ko avoid kary, agr koe qasm uthaye tou kaffara hoga wo ap kisi alim sy pooch lai
@@shahnazparween927
Na maien wahbi....🙏
Na maien babbi....🙏
Maien hoon Muslim ilme kitabi...📚🌹❣
Jzakallah khair 🖤🖤
Firqa wariyat murda baad....🤑🤡🐵
Ilme kitabi Muslim zinda abad...👍📚🌹❣
Mashallah Good Explanation
ماشاﷲ ﷲ پاک آپکو سلامت رکھے
Kia expensive watches pr zakat hoti hai ?I know it’s silly questions but kia kroon kisi aur se pochna mushkilhai 🇵🇰🇺🇸
No, he explained in video. Plz watch full video for reference.
Asalamualikum, kindly please koi guide krde is bat py.
Me 20 saal ki hun aur online kaam krti hun aur meri amdani fixed nahi, aik mahine zyada paisa banta hai to aik mahine banta hi nahi but mujhe aik saal hogaya hai kaam krte huwe aur meri kuch savings bhi hain to kya meri un savings py bhi zakat hogi? Savings zyada nahi hain jese apne bola ky jiske pas 7.5 tola sona hoga to 2.5% uspe zakat hogi but mere pas itne sonay jitne paise nahi hain bohat kam hain isse to kya meri uspe zakat farz hai? Aur agar han farz hai to kya meri savings py hi zakat farz hogi ya jo mere pas sab kuch hai 1 rs se leke 10 lakh tak jo use me paise hain woh sab mila ky mujhe uska 2.5% nikal ky zakat deni hogi?
Yeh me srif apna pooch rhi hun, mere ami abu alag se zakat nikalte hain, Mujhe aik saal huwa hai kaam krte huwe aur apni kamai horhi hai tou us hawalay se I’m confused ky mujhe alag se zakat nikalni chaiye ya nahi?
Thank you brother
Ali mirza se bhi acchi tarha batane wale ulma he liken wo yutube pe nahi he
To unho nay kab kaha k men sab say best hain?
MashAllah Ali bhai
mujhy meray swal ka jawab mil gya, per month zakat.
Per month kis tra 03016698500 watsapp
Ye sab kitab mai padhti ho mai Magar zakat ke maslie mai canfios thi thanks
As-slamu alaikum...
Ali bhai..
Jakat pr ache quality me video record kra de...is quality se ankh pr jor pdega..
Aap nay kaha k ager maal main azafa ho tu aus pay zakat ho ge lakin ager kam ho jay tu aus pay kia farman hai aap nay nahi bataya .. example ager meray pay 1 lack hai lakin saal pura same yan bari nahi bul k 80 yan 70 thousands hotay hain tu aus main kia farmaya gaya..
Engineer Bhai JazzakAllah Khairan Kaseera.
JazakAllaho khair
Buhat khoob !
Aslamu allaikum • agr mere pass paise (27,481) jama huwe vy hain to mjhy zakat kitni deni hogi
29 February 2024....💚
397, 308 views.....💜
2.65M subscribers....💙
Aslam.o.Allkum ager ek bewa urat hyn unka beta parta h or wo khud kmati hyn or makan apna or zewar 20 tolly se bhi zada hai..
Lykin wo zakat or kherat khati hyn..
Kia un per apne zewar ki zakat dyna wajib hai?
Jb k wo zewar unho ne apne bety yia ek hi beti k futre k liy sambhala ho.. ???
Kisi ka makan h,jis ka wo kiraya wasool krta h her mah,or as a property is ki maliyat bhu year by year increase horahi h.tu jia us makan pr zakat h,jb k zaryaye maash bhi behter mojud hu,or apney zati dosrey makan me rehaish ho,braye meher bani rehnumai kren.
Jazak Allah Khair very clear explanation
علمی کتابی مسلمانوں کے فرقے کے یہ مولوی صاحب پنجابی طوطے کی طرح میں میں ٹیں ٹیں کرکے بول رہے ہیں۔ ہاتھوں کی ایکٹنگ سے بھی یہ علمی کتابی لگ رہے ہیں۔ ماشاء اللہ○
Agar kheti mein laagat jaise labour cost , fertiliser cost, seeds vagairah ho toh hum kaise calculate karein....otherwise kissano ko bahut nuksaan ho jayega....aaiiinda kheti nahin karr payega......plz elaborate
Bhai plz btna agr gr ni ho pasiy b na gr banny KY aur gold 6 toly ha kea mujy py zakt frz ha
Agar zameen ghr banane ki neat se li ho.lkn kuch salo bad ghr bnane k bjae us zamen ko bech dia jae to kia zakat uspe bhi hogi?
Very informative
Jazakallah
Asalam o alikum, please mujhy batayen agr kisi society mai installments py plot book krwaya ho. Or installments complete ho gaye hoo phr possession abhi tuk nhi milli. Or development charges pending hain. Intention investment hai ky jb in future rate acha mily ga to sale kren gay. Question is kiya is property py zakat lagy gi? Agr lagy gi to booking value py yah market value py? Please jald bata dein mai ny zakat pay krni hai
sir jaisy k aj k dor mn har chrez pr text ada krhy to kiya phir b zakat ada krna hogi plz is pr roshni dal fn
Please urdu main bataeyn no.
Chonsat ki bajaey
Aik mushkiza shahed ka volume kitna hga? For honey business
6:18 10 zakat ki cheezen
Asalamoalikum…meri shadi feb 2020 mai howi ti tb meray pass sona aya… zakat maal py saal bhar guzerny k baad farz hoti to kya 2020 sy 202l k saal ki bhi zakat ho gi? Meray pass pehly itni rakam ti ni k zakat dy sakoun ab sona baicha hy k zakat dy sakoun to please please mujhy guide kr dain k 2023 February tak kitny saloun ki zakat farz hy meray py
Kia khoob samjhaya
علی بھائی میرے پاس ایک فوری وہیلر کر ہے جس کو میں چلا کر روجی روٹی کرتا ہوں کیا اسکا بھی جکت بنے گا
زکواة فرض ھے سال گزرنا شرط ھے محرم میں مال آیا تو محرم میں ھی فرض ھوگی اگر پہلے دیگا تو صدقہ ھوگا اور لیٹ کرے گا تو اللہ کے حصہ کا مال روک رھا ھے جو جاٸز نہی رمضان میں صدقہ کرنے کا ثواب 700گناہ بڑھ جاتا ھے زکواة فرض
Bhaijaan plz reply
1- USA , Canada, England etc countries hum sab ghar down payment pr letay hein aur mortgage pay krtay hein, iss mein interest bhi pay krtay hein, yeh gunha hai ?
2- ghar pr qarz hai lekin saving
$8,000 hai tou zakat hogi?
3- ghar ka loan hai four hundred thousands aur savings hein twenty thousands cash , zakat kia hogi ?
4- gold k total weight ka nahi pata k kitna hai aur ghar ka loan hai kitni zakat hogi, aik hi family k 4 different people k liye information chahye ???thanks 🙏
if you are making the house of intension with making a house as future investment then you have zakat to pay. the loan in terms of business is actually investment and not loan. Please do know the zakat is compulsory on the "rich" ( ghani). If you are living in abroad and maintaining a lifestyle then i think you know that whether zakat is compulsory on you or not.
Masha Allah jazakallah plz aj k hisab se apky pas kitni saving per zakat he aur sona sary sat toly nahi he sirf 20 gram he aur ek lahk hain tu kia in sub ko mila kar zakat daingy plz plz batain
jaise ek baar jo gold meri wife ko mila hai sasural ki taraf se ek baar jakat nikalne ke baad kya har sal usi gold ka jakat nikalana ya fir ek hi bAr
Ap ne jo misaal. Di thi us mei apne 4 tolay ko b add krdia tha zakat mei. Uski samajh ni ai
Sahib e Nisab mean when we have suppose gold more than 7.5 ….
We have to pay zakat …but if new money added just b4 few months then should we pay 2.5% of total ?
Mere hisab sai yea drust nai kai aik din pehlai agar raqam add hgai to total par 1/40th lagai ga balkai fundamentals kai mutabiq maal ka saal guzarna tai hai to jo raqam par saal guzra sirf uspar hgi aur jo aik din pehlai aya uspar ni hai warna jo sonai ka kaam kartai hain unka to mamla bigar jaiga
Jis ghar mein reh rahay hon, us ghar kee bhee zakaat nikaalnii hoo gi?
Bhaie plz koi bta dy k car pr b zokat deni pary gi k ni?
Mirry pass 5tooly Sona hi 170000 ropia hi muj pr zakwat hi k nhi
Chandi ki jga us miqdar k pesy bhi dy sktain ??
Agr zakat saal MN aek bar did jaye hi tu mustahaiqeen Baki saal Kya Karen gaye Kyu. Na he maah zakat de jaye
Salam, can you please also inform ke kia agar apney koi car installment par li ha and obviously jo uska remaining balance hota ha that is your liability and apnay har month aik fixed amount pay karna hota ha aglay 3 ya 4 salon tak, to kia un installments jokay car ke value ha jo abhe apnay pay karni hai installment par wo apki liability ya debt ha to kia ap usko apnay assets ya savings main say minus karsaktay hain for zakat calculation?
NAHI
Mere pas chandi nhe hy
Par 5 tola Sona hy to Kiya mujhe pe zakat banti hy ya nhe
Ur janwar ya parinde pe bhi zakat hy ya nhe
70 hazar ki cat hy
60 hazar ka tota hy
or agar kisi k pass itna sona hai joski amoint sarhay bawan tola chandi ki ben rhi ho to kya us per zakar wajib hai??
Hamari 6 kily zamen h Jo h. Theky py dety hn har sal . Us py zuqat farz h? Koi plz guide kr dy
Jo rented house me rehta ho kya use bhi zakat deni hogi??? Yani 7.5 tola sona to hai magar zati ghar nai hai. To kya use bhi Sahb e ehsiat kehge???
Bilkul deni paray gi
God bless you sir ❤
آج کل رواج ہے کہ ہاؤسنگ سوسائٹیوں میں پلاٹ قسطوں پر لیے جاتے ہیں۔اگر ان پلاٹوں کی کل رقم پوری نا ہوئ ہو اور سال گزر جاۓ تو کیا زکوات لازم ہو جاۓ گی۔
Sahib e nisaab pe aik byan de den plz.
Dafeenai par saal guzarna lazim hai ya jis din nikla hai usi din lagai gi zakat?
Agar kisi ke paas 30 Bakrian aur 10 Cows hon to phir zakat kaisay count ho gi..
In sab animals ki market value ka 2.5%
Zakat puri jindagi ki kamai par farz hai ya ek saal me jitni kamai hui us par farz hai
U till very good👍👍👍👍
Ali Bhai hamen ksy ny btaya ha ky gold jtna bhy ho uspy zakat lagy Hy Chahy 1 tola bhy ho. Aismy to guide kr den koi. Kuch log khty hn 7.5 toly Wala thk ni ha nasab. Please guide Karen. Unka moqif ye bhy ha ky aj Kal 1 tola Sona ky price 52 toly chandi sy Zaida to 1 toly pr bhy zakat lagy gy.
Gold ki zakat ek baar nikal di...ab agle saal wahi gold ki wapis se poori zakat nikalenge ya sirf uske difference par zakat nikalenge ???
کیا زکات کے پیسے اس نیت سے انویسٹ کرنا جائز ہے کہ یہ ایک مستقل ذریعۂ بن جائے اور اس سے آنے والا منافع حاجت مندوں میں تقسیم ہو۔
you mean profit?
Ager pesy doob gaye tab kiya karo gy lehaza jo hukum hy usi py ammal karo
Uosar kaya our kitna no play ga tafseely lecture ka link plz
Jo kewlery use krte hain os pr b zakat hy?may ne kisi se suna hy ke jo zewarat use krte hain os pr zakat nai hy??
Ali bhai ik sawal hy kya zakat sirf paisy ki shakal may hi nikal na chiye kya ya rashan ki shakal may bhi dyskty hn plz iska jawan dydy
agr Gold bs 1 2 tola ho or sath jo saving ho wo b 7 toly k barabar na bany or dono ki amount mila kr b sony ka nisab na bany to tb b zakat deni hogi? jesy aj kal kehty hain k 1 tola sona b 52.5 tola chandi se mehnga hai to agr utna ho to us pr b zakat lagy gi. kindly reply de den. Jaza k'Allah
Salam bhai kia hall hai ap ka .bhai ap say pochna yeh hai k kia zakaat k paso say masjid ma pani nikal sickty hai .jab masjid ma pani ka bohut masla hai .
I think camel and bulls means that time transport in that Case it's means today's Vehicles ??? Rest Allah knows best
Kya zakat k paise kesi ki shadi ky jahaiz py lag sakty han? Ya shadi ky khane py?
Janab may ny apna gaher banay k leay plot kareda hay ab osy wapes bechna chata hoo kaya is per zakat wajib hay.
Naqd raqam ka nisab main aap ny confusion main dal dia hai, chandi or sony ki qeemat main bohat farq hai
Ager koi banda ek plot khareedta he..
1 savings k lia to zakat hogi?
2 apna ghar banane k lia to zaka hogi?
3 ghar bana kar sale karne ke niat se( matlab bussiness ke niat se) lakin market me kami ane ke wajese wo ghar banane me dair karta he or sal guzar jata he or phir ghar bana kar sale karta he...lakin sal se zada ho jata he...to is pe zakat hogi?????
Ali Bhai Kia agar Sona aur cash na ho Sirf Ghar ho jis main rahty ho to kitni zakat hogi
Kya hum salery deposit k time salary k 2.5% zakat desakhte hai per month
kya koi bta sktaa hai K pura sal paisy save rahy or zakat deny sw 1 mnth phly us mj se adhy khrch hogy ab zakat wo total saving py lgy gi ya bss remaining amount py
Agar karoba kar rhay logo ki tarf pasy hai shop walo sai lainy to un pai zakat farz hai
Kia ma ny one year plot buy krny kaliy salary JAMA ki aur abi plot nai Mila TU kia inpaso pr zakat Hy even ma pora sal kud b tangi gozari
Assalamoalikum one of the Sheikh / scholar said jewelry for Personal use no matter how much she has there is no ZAKAT. Please comment
Agr gr kray pr diey ho to un ki b zkat banti hai???
Ali bhai ye jo rents hum log letay properties ka aus pe kia ehkaam hein???
Ali bhai jo jewellery ka kaam karte hain wo kis hisaab se zakat de matlb jinki shop hi jewellery ki ho ki stalk pe deni hai ya profit pe meine kafi loogon se ye sawal kiya koi bi sakoon de jawab nhi mila plzzz wazahat farmaye ...ur student from jammu and kashmir india
Koi rozgar nahi kisi b tarah ka rozgar nahi 2soro k asry or hun or udhar b hu to zakat kese dy