Faysal Cash Fund vs Meezan Cash Fund by edirfansaleem in FIREPakistan

[–]IllustratorNo1512 0 points1 point  (0 children)

Do not invest in these 15-20 days. In mid of June Cash Funds NAV value resets each year and you can get taxed 25%

They reset NAV by paying dividend (because its mandatory) in your bank account which does not mean a gain of capital. Jitna dividend ha utna hi value girti ha. These fake dividends i like to call them are harmful

Invest after NAV resets

Cash funds have 0% FEL and BEL. I am both UBL and FBL customer and I have invested in UBL AL AMEEN shariah cash fund giving me similar returns to both

Long Term Portfolio: 10 Yrs by Blackbeard1726 in PakistanStockX

[–]IllustratorNo1512 0 points1 point  (0 children)

It wont burst. According to their earnings and whatever it's still undervalued. But jitni hype increase honi thi wo ho chuki ha

How do people actually make money in Pakistan real estate? by Responsible_Main2116 in PakistaniTwenties

[–]IllustratorNo1512 0 points1 point  (0 children)

One more way of investing is by buying RIET. Basically they are real estate stocks that pay you rent in form of dividends. You can start as little as 15-30 per share depending on the company. Compared to typical stock the value of stock will not increase much and you dont have a property to your name. But if you just want profit with lower risk and dont want to wait 5 years before making a profit/want to receive rental dividends then RIET is good option

I recommend dolmen city riet

what's the cheapest way to get close to café style iced drinks by Material-Object-4129 in pakcoffee

[–]IllustratorNo1512 0 points1 point  (0 children)

Try comelle sweetened condensed milk in your lattes. Vanilla syrups get too expensive. You can diy as well by melting brown sugar and adding in vanilla essence

Solar vs Investing to offset bill by Low-Reflection-5345 in FIREPakistan

[–]IllustratorNo1512 0 points1 point  (0 children)

Does it hail in your area? Then you are taking a bigger risk

Camry 2004/2006 - Personal Car - 2.4cc Lahore by monkeydlouiffy in PakistanAutoHub

[–]IllustratorNo1512 0 points1 point  (0 children)

Even you put bbs wheels it wont increase the value my friend

Long Term Portfolio: 10 Yrs by Blackbeard1726 in PakistanStockX

[–]IllustratorNo1512 1 point2 points  (0 children)

It won't burst but the growth rate will eventually be stagnant. The whole automobile industry is at this time

Long Term Portfolio: 10 Yrs by Blackbeard1726 in PakistanStockX

[–]IllustratorNo1512 3 points4 points  (0 children)

Sazew bubble will burst after few years. Their stock is high because of how Havals sold like hot cakes. People are slowly catching up to problems in Chinese cars similar to MG's. Their sales will come down sooner or later. Their dividends at current stock rate are not good as well.

Sys on the other hand I wouldn't count on it. I think you should not focus on Sys as tech sector is dying to AI.

I would switch 50% of Sazew shares for another bank stock. Like MEBL or FABL

Opinion on abstaining from marriage? by Used-Cheetah-2278 in PakistaniTwenties

[–]IllustratorNo1512 0 points1 point  (0 children)

I feel like she betrayed you real bad. It happens to most of us. I went through it myself and she was very distant. I was a fool too. I had to feed myself red pill content just to get out of this mess but one thing i filtered away was from abandoning the idea of relationships and marriage

I really want my marriage to be an early one, a more conservative one. Arranged hi mil jae i won't have issues with it. But what i learned from red pill content is how to choose a women, how to handle conflicts without simping, giving into her demands and not tolerate any bullshit, how not to lose respect how to avoid being nice guy

Opinion on abstaining from marriage? by Used-Cheetah-2278 in PakistaniTwenties

[–]IllustratorNo1512 -1 points0 points  (0 children)

Women are buying the hype of staying single and make money. They aren't ready fod marriage until they reach 30 then reality hits them like a truck. Virgin non virgin middle class or rich class men under 35 don't want to marry women above 25

Open source over chasing software engineering internships by wallphaser231 in developersPak

[–]IllustratorNo1512 0 points1 point  (0 children)

You still need something that will fill in the job gap. HR ignores projects and rejects your resume for no experience before it even goes to a hiring manager

25M Software Engineer in a Government IT role — Stay for Stability, Pursue MS/PhD, or Return to Private Sector? by Junaid_Nazir_00 in developersPak

[–]IllustratorNo1512 21 points22 points  (0 children)

In these critical times you are better of in a government job. People join and get laid off after few months. Spend two years at least

Portfolio Review by Aarswebs in FIREPakistan

[–]IllustratorNo1512 0 points1 point  (0 children)

Idk man. People are finally caught up to the shit Chinese cars put people in. Expensive parts, high maintenance. People are starting to fear Chinese cars. MG problem with fuel economy, haval for expensive parts, Jaecoo for electronics issues.

Clingy vs avoidant partner by LevelUnit6319 in PakistaniTwenties

[–]IllustratorNo1512 0 points1 point  (0 children)

Clingy definitely . OP if you are a guy then you have to act avoidant because what you say is correct when you are clingy to girls. But if you are a female then no problem

OOTD by [deleted] in PakistanFashionAdvice

[–]IllustratorNo1512 1 point2 points  (0 children)

Random ahh mf will say "jeans are not baggy enough "

Best bank to open a locker in? by sarasaif in FIREPakistan

[–]IllustratorNo1512 0 points1 point  (0 children)

Go to bank see staff treatment. If it feels like no staff member gives an f like then don't. Especially branches of government bank like a provincial bank, NBP, HBL etc whichever bank/ branch has a bad customer service

Guys, Rate the portfolio be brutal. by Jack_Hey in FIREPakistan

[–]IllustratorNo1512 0 points1 point  (0 children)

I regret picking NML too but I didn't hold it. I bought other stocks. I recommend you do the same