Random Thoughts

Are you an avid reader? Looking for discounted books to "Fill your library cabinet"? Big Bad Wolf has come to Karachi Pakistan with their signature book sale by offering discounts from 50% - 90%. So what are you waiting for? Pick up your car/bike keys and head towards the expo center Karachi from July 26, 2019 to Aug 05, 201 to grab the copy of books you like. Happy Reading! Flyer

        LESSON - 2      God The Great The God has created us. The God has given us eyes. We see through those eyes. The God has given us hands. We perform day-to-day tasks with those hands. Fruits are his creations for us. He is very Kind. We are his disciples. He is our God. We thank him all the time. 

What do you think of Motivation? Do you think motivation always comes from the positive indicators? Is it a positive word that you have got from your parents motivated you to top the exams? Or is it a promotion that triggered you to outperform the others? In most cases, motivators need to be some positive force which pushes you to achieve the target. For example, I am working late hours in the office with the thing in my mind that at the end of the year it'll result in a better rise in salary or promotion. The word of your parent that you got the talent and mind to score the 700+ in GMAT motivates you to study hard. The question arises, can a negative comment/word have such an impact? In certain cases, a big YES. Here is little experience of my life: I was an average student till my intermediate and barely managed to pass the examination. After passing the intermediate, I planned to take admission in Business Administration; when I discus...

Hazaar Sajday Zameen-e-haram pe hon lekin.. Haasil Rooh-e-ibaadat nahi tau kuch nahi.. Bata diyaa hai Nabi Pak (PBUH) key Taweel sajday ne.. Hussain Tujhe Mohabbat nahi tau kuch bhi nahi..

Since Couple of days Pakistani media generally and Political parties in opposition specially have discussing and criticizing the Prime Minister (PM) of Pakistan for wearing one of the most expensive wrist watch - Louis Moinet -   in the world. When I was kid, I used to spend not more than PKR 1,000/ to buy wrist watch but as I grew older my budget increased and I used to insist with my father that I need to buy some good watch so I can stand unique in my Friend's circle. You may call it showing off or anything but that feeling was very different and pleasing one.. Since I'm independent now and earn some good amount, so I don't buy less than what I had to buy with my father's money. Living standard goes up when income or saving increases. The plot here is what is wrong in wearing wrist watch of $ 4.6 million or PKR 46 Crore? I see nothing wrong in it when one can earn Billions of Rupees per year. Mr. PM is not a poor person, he is renowned industrialist of the Pak...

Hurrah! Yet another milestone by State Bank of Pakistan (SBP) on advising Banks to give profit rate on average monthly balance to its customers maintaining Profit & Loss Sharing (PLS) or Savings account in Pak Rupee.  Since last decade SBP has been playing the very role of, or atleast trying to, Central Bank in the economy. It has brought many reforms pertaining to the Banking generally and depositors particularly. Before Dr. Shamshad Akhtar , the 14th Governor of State Bank of Pakistan, Banks used to give profit on saving account not more than 2-3 percent. Thanks to her, she gave order to the all Banks in the country to give profit no less then 6% p.a. If you're not shrewed, you're not supposed to be a Banker - A saying very common. Realizing the jump of 3-4 percent on deposit cost, Bankers found a way to curtail the cost. They decided to adhere with the State Bank policy - Which they're supposed to - and at the same time cut cost by saying, Okay we'l...

Election Commission of Pakistan (ECP) launched SMS service for voters list verification. According to officials it is world's largest SMS service for voters list verification. If someone wants to confirm whether his/her name is in the voters lists of Election 2012, I mean upcoming election, one needs to send a simple SMS. This service is available to all cellular company customers. This is just away at your finger tips, follow the simple Procedure for confirmation. Just go to write message option of your mobile phone, type your CNIC number and send it to 8300. Write message -> Type your CNIC number -> 8300 4351875987451  [type your CNIC number without dashes (-)] ECP will send an SMS confirming your name in the list with the details of vicinity where you would be entitles to cast the vote. The message will be like follows: CNIC: 4351875987451 Electoral Area: Clifton, Karachi Block Code: 333030214 Sr. #: 96 This is worth ...

Aao K DECEMBR Ko Rukhsat Karen.. Kuch Khushiyon Ko Sambhaal Kar, Kuch Aansu'on Ko Taal Kar.. Jo Lamhy Guzry Chahaton Mein, Jo Pall Beety Rafakaton Mein.. Kabhi Waqt K Saath Chalty Chalty, Jo Thak K Ruky Raaston Mein.. Kabhi Khushiyon Ki Umeed Mili, Kabhi Bichrey Huon Ki Deed Mili.. Kabhi Be'Panah Muskura Diye, Kabhi Hansty Hansty Ro Diye.. In Saary Lamhon Ko Ab Mukhtasir Karen, Aao K DECEMBR Ko Rukhsat Karen....,,,!

November guzr chuka hai, December guzr raha hai, Aj (31) ho chuki hai, Umeed kho chuki hai, Tak tak k tera rasta Har dharkan thum chuki hai, Ratein hain boht stati Kuch aur din hain baqi, Phir naya Saal ho ga Phir wohi haal ho ga, Dhondon gi tujhe din ko Har lamha har sa'at ko, Ik bar tu ayega Keh de k tu ayega Is Saal nahin lakin! Aglay bars ayega Ye dil behl jayega, Jhotey tery wadon par Qasmon par iradon par, Behla hai ye pehly b, Ye phir behl jayega Novembr guzr chuka hai December guzr raha hay .

When I was below the age majority - 18 years (Pakistan) - my parents used to say Beta don't spend all of your money rather you must save some of Rupees from your pocket money. They used to buy ceramic/clay pot  ( اردو:  غلّہ)  for me, so I can put some of my pocket money in the pot for future use. This was the move of my parents to inculcate saving habits in me. Today - in the technological era; strong financial system; Banking institutions - the use of those ceramic/clay pots is almost dying perhaps died. Many banks offer account services for the age group of new born upto the age of majority to motivate young generation to save for their future needs. In Pakistan following bank offers following accounts with different benefits and features: Bank Al Habib Young Savers account Bank Al Habib, one of the growing bank in the metropolitan city Karachi, with over 350 branches countrywide icluding more than 100 branhces alone in Krachi offers ac...

HBL signing ceremony of branchless banking Habib Bank Ltd. (HBL) , the largest branch network with more than 1450 branches nationawide and presence in more than 25 countries around the globe, ready to move into the branchless banking in Pakistan with the collaboration of Ufone ,   Sybase 365 , and AbacusConsulting by 2012.  HBL sources suggests that they have invested millions of rupees in the pipeline to step into branchless banking in Pakistan, which  will crea te healthy competition among the other existing operators of branchless banking in Pakistan. Currently EasyPaisa , joint venture of Telenor Pakistan and Tameer Bank ; UBL Omni , a venture of United Bank Ltd. (UBL) ; NADRA's E-Sahaulat , a joint venture of Mobilink and NADRA  are working in the industry. Moreover, MCB Bank Ltd . with the collaboration of  Nokia and Bank Al-Falah with collaboration of Warid   got the liscence of branchless banking f...

Keh Do Gham-E-Hussain Manane Walon Ko, Momin Kabhi Shohada Ka Matam Ni Karte, Hai Ishq Apni Jan Se Zyada Aal-E-Rasool Se, Yun Sar-E-Aam Hum Unka Tamasha Ni Karte, Royen Woh Jo Munkir Hain Shahadat-E-HUSSAIN K, Hum Zinda-O-Javaid Ka Matam Ni Karte..! (Allama Iqbal)

LGBT Flag Lesbian, gay, bisexual, and transgender (LGBT) is movement, which has been loudly voiced since long. It advocates the freedom of sex orientation to be decided by one self rather than by his/her religion, social class, community, or any other body. In Pakistan - an Islamic Republic, governed by Constitution of 1973, which is based on Shariah (Islamic laws) - LGBT term was not much common until few years back, but today, almost everyone living in the big cities - Islamabad, Karachi, Lahore, Peshawar (A notion that People living there are  gay, I don't wish to use that term but it's perception of Pakistani people) knows what LGBT means and what they praise about. What motivated me to write on this issue is articles in Express Tribune since long. One might think why I'm writing on this topic, don't you? Huh? Let me clear, I'm not adovcate of LGBT movement. Numerous writers had and have been using ink to write about this topic e. g.:  Let’...

The fervor, zeal, keenness and enthusiasm was at the highest velocity among the participant of the Spark, Entrepreneurship Trail on the second at IBA, main campus Karachi. Had not slept well yesterday night despite this the energy level and motivation to attend and listen the distinguished speakers triggered to be there till the end of the day. The day started with the finding ways to raise money - Everyone wants money, don't you? - for the start up. Mr. Ayaz and Mrs. Kazi were the guests who imparted us with the knowledge and information on how to raise capital for the new venture. As everyone know, borrowing money from the banks is the most difficult for the business, which is at the initial stage, so do opined by the guest speakers. According to Mr. Kazi, Banks must be pursued to put notice on their website "Borrowing from Banks for the start ups is injurious to the venture." The most favorable and easiest way to raise the capital for the start up is from family an...

Spark is the name of the event organized by IBA Entrepreneurial Society, which has started today and it will last till June 29, 2011. This event consists of address of Distinguished speakers and trainers from Pakistan and around world, obviously via ' Skype .'  Some of them are Mr. Naeem Zafar , Umar Saif , and many more address in the coming two days. The day-1 started with the Tilawaat of Quran. After the recitation, IBA Entrepreneurship Center head formally announced the conference open with short speech of welcoming guests, participants and organizers. Mr. Naeem Zafar, an Engineer, Entrepreneur by an accident as he defined,  and writer of many books delivered his speech on the topic of 'Entrepreneurship.' I loved the definition of entrepreneurship he told, which is: "It is the pursuit of an opportunity with resources that you don't yet control." Look at the beautiful and motivational words in the definition, which you don't yet control. One nee...

Federal Budget of Pakistan has been presented in the National Assembly of Pakistan on June 03, 2011. On that day, it didn't look like a Parliament rather it was looking like fish market. Traditional opposition from 'Opposition' branches with chaos of daunting and chanting of slogans like 'Go America', 'Budget Na-Manzoor'. At one occasion, one of the member of the parliament presented 'Meal' to the Finance Minister Mr. Abdul Hafeez Sheikh. In addition to this, female parliamentarians were not behind the row, they thrown 'Bangles' at Finance Minister, which was ridiculous act. As a student of Business and one of the common man, taking current economic and social conditions in the consideration, I must say, budget 2011-12 is a balanced budget. Government of Pakistan (GoP) reduced sales tax from 17% to 16%, which is a good move to give relief to the poor and needy people of the country. Moreover, GoP has levied taxes on many items, which prev...

Karachi: State Bank of Pakistan (SBP) announced new policy for account opening for individuals- students, low-income people and Zakat entitled people specially. A new policy release by SBP depicts that any individual can open bank account with minimum of Rs. 100, which will be implemented from July 1, 2011. In addition to this, SBP directed all scheduled banks to lift the service charges on the minimum balance. Previously banks were entitled to receive some charges as account balance decrease from minimum level, which was Rs. 500. This has been welcomed largely in the masses and economist too. Experts view this policy as blood to the economy. According to the opinion, most of the population of the country belongs to the lower income group, which was deprived of banking services due to high service charges and minimum balance requirement. Now those people will access the banking services at cheaper price like never offered before. There is trickle down effect of the policy, those d...

Officials: Pornography found in Osama's hideout in Abbottabad, Pakistan, consists of latest and modern, lustful video. An officials said on the anonymity basis. Moreover, officials claimed they are unable to say whether Osama was viewing those videos or anyone else. According to the Osama's wife, living with him, he remained in the compound for five years, he never came out of it. This makes suspicious whether he had been viewing those videos. Someone said he never came out of it, so he could have desire of waxing his carrot, might be the reason of viewing those films. According to earlier US Officials statements, Osama's compound was cut off from internet and other wires, so question arises whether those DVDs are left by US army over there?

May 02, 2011 was the day of celebration around the world because world's most wanted man ($ 250 million) was killed in Abbotabad Pakistan. An operation was taken place by US military at 1 am PST. In the morning President of United States Barak Obama announced the news. Here I'm not going to discuss what happened on that day because you people are much vigilant than me. Moreover, I'm not looking into conspiracy theories. The purpose of putting words here is to describe economic conditions of Pakistan after the event. It was very difficult to get gasoline on the very first day when Osama was killed. The fiasco doesn’t end until now. It is very difficult to get tanks of vehicle filled at premium price even. If I depict the picture of the stock market of Pakistan - Karachi stock market pronounced widely as KSE, is very horrible. Since January it was observing the bullish trend and touched the level of 12000 points. But on the second day of OBL’s death it started losing the...

KARACHI: His Royal Highness Nawab Shahabuddin Mohammad Akbar the XXIII (popularly known as Prince Akbar) is all set to marry Sonya Usmani in what is marked to be ‘the’ wedding of modern day Pakistan. As the country winces under inflation and instability, many are making discounts for a day that’ll bring a spirit of celebration, formerly expected from the cricket team. The government, as expected, has announced Friday, April 29, as a national holiday. Critics believe the royal display of wealth is a show of apathy towards the nation’s crumbling economy. “They’re using the taxpayers’ money to pay Nizamuddin’s bill,” argued one socialite who wasn’t on event manager Frieha Altaf’s guest list. But the royal family’s spokespeople are arguing that since most people in Pakistan don’t pay taxes, this doesn’t apply. The bride, Sonya Usmani’s dress is under great speculation and the ISI has been guarding the designer’s identity as a trade secret. Rumours are rife that it will be Bunto Kazm...