This will make clear the destiny of the stingy in the Dooms Day. Those who collect and amass wealth, and withhold spending it in the way of God, due to their greed and avarice.

      Though the verse plainly does not mention religious alms-tax or tithe; but some traditions and comments, indicate that here the alms-tax (ZAKAT) is wanted:

      ``But let not the miser who hoards the gifts of Allah, suppose that their avarice is good for them and is to their benefit.''

      Anything that we may have it, whether material, such as wealth and property, or intangible such as skill, education, influence, and mental or social power, are all GIFTS OF GOD. Apart from whatever of them which is necessary for ourselves, spending it in the way of Allah, and giving to those who are in need of it, is counted as charity and as the worship of God, and may serve to clear and purify our hearts and deeds.

      Avarice and greed is condemned through this verse, the results of which is stated thus:

      Soon shall the things which they miserly withheld, become a necklace around their neck in the Dooms Day.''

      Here through a metaphor, the stingy is introduced so that the gifts of God that he amassed and withheld from being spent for the cause of God, will at last cling round their neck, and do him no good.

The heavy collar round his neck is like a badge of slavery that profits him nothing and harms him much. He is not able to remove it or get rid of its consequences which is pain instead pleasure!

      In other word; the wealth and properties that are hoarded without payment of its due rights, and which is spent for the caprices, passions, and luxuriencies, and other selfish purposes, is just like other ugly and evil deeds that will not bear any sweet fruit, and in the Resurrection Day, according to the Personification Law of human's deed, it will incarnate in the form of a bad torture and anguish!

      Then the verse concludes that the heritage of the heavens and the earth belongs to God - and it is a bare and mere fact; because material wealth and properties only belong to man during his short material life. It then descends to heirs, and from heirs to successors until it reaches the final heir who is the Lord God who owned it at first. Therefore the gifts of God are only in trust, and we have to give the trust back to its owner:

      And to Allah belongs the heritage of the heavens and earth.'' The ending of the verse is that God knows whatever we do. - If we are stingy or gracious, He is aware of all.