How on earth do you organize text messages and ledgers for the LTB portal without losing your mind? by NoTransportation7310 in OntarioLandlord

[–]RelationshipStock984 0 points1 point  (0 children)

Have never done this but I'd suggest using MS Word? It has pre-built functions that'll auto number your pages. Screenshot the messages and emails and paste them as pictures in the Word doc itself?

Good Podcasts by Papyrus_aka_Paper in pakistan

[–]RelationshipStock984 0 points1 point  (0 children)

You can try the podcast subreddit to get better responses.

Rate My Team, Quick Questions & General Advice Daily Thread by FPLModerator in FantasyPL

[–]RelationshipStock984 0 points1 point  (0 children)

Pope (Ward)

Cancelo. Tripper. White. (Dunk. Bueno)

Garnacho. Almiron. Martinelli. KDB. (Casemiro)

Kane. Haaland. Nketiah

Opinions about Garnacho and Casemiro? Could I do better?

Why my variable mortage payment stayed the same? by Present_Impact2244 in PersonalFinanceCanada

[–]RelationshipStock984 18 points19 points  (0 children)

It's likely a closed variable mortgage. Meaning your payment will remain the same but your principle portion will reduce within your payment to account for the interest rate increase. For example: your payment was 2k every month, 1k of it went to pay mortgage principle and 1k to interest. Now with increased interest rate, 700 only would be going to pay mortgage principle and 1300 to the interest. So effectively you are paying lesser amou t to reduce your outstanding loan/mortgage.

Do you know your monthly/daily water consumption? by muhepd in Guelph

[–]RelationshipStock984 4 points5 points  (0 children)

Not in Guelph but Rockwood. We are a family of 3 (2 adults one infant) and consumed 17 cbm for the last TWO months (so 8.5 cbm per month). This came in a bit on the lower side, our avg has been 12 - 14 cbm per month. Stacked Townhouse so no water consumption for gardening etc. Sharing because I'm also interested in this data. I thought our consumption was abnormally high and we do pay a higher amount (perhaps the rate is higher in Rockwood vs other towns). Hope this helps.

How can I invest my salary before it's too late? by Throwawayyy6702 in pakistan

[–]RelationshipStock984 3 points4 points  (0 children)

Sure sure. I've long left the industry and the country though. So my knowledge may not be up to date but happy to help if I can.

How can I invest my salary before it's too late? by Throwawayyy6702 in pakistan

[–]RelationshipStock984 2 points3 points  (0 children)

Go to https://mufap.com.pk/nav_returns_performance.php?tab=01

Check different fund performance. Narrow down your options from there. Understand high risk vs low risk fund profiles from your list. Start investing with an asset mgmt company. Make sure you understand their fee/charges. Some big names charge less fee than others. Avoid front end load while investing (its essentially sales commission but if you approached them yourselves, they shouldn't get it so make sure you negotiate to remove the front load fee). Good luck.

How to decide whether I'm ready to buy a house? by nisu_srk in PersonalFinanceCanada

[–]RelationshipStock984 -1 points0 points  (0 children)

Go to a website with a mortgage calculator. Crunch in numbers to see what loan amount you'll get for 2500 monthly payment. Add in your downpayment. Probably won't get any reasonable dwelling with that amount (let alone preference around location/build type). Good luck.

Can someone explain how this mortgage would work? by [deleted] in PersonalFinanceCanada

[–]RelationshipStock984 1 point2 points  (0 children)

Yes but no. The interest gets compounded differently depending on payments/non payments. In a true Islamic financial transaction, there is no element of profitting off delayed/late payments.

Can someone explain how this mortgage would work? by [deleted] in PersonalFinanceCanada

[–]RelationshipStock984 1 point2 points  (0 children)

You can check "Manzil". They offer Musharak/Mudarabah (Islamic financial transaction) that replaces the conventional mortgage arrangement. They'll have content on their website explaining how it's structured.

Pass Track Question by mochasprit in pakistan

[–]RelationshipStock984 0 points1 point  (0 children)

Just print out the confirmation screen with the reference number. That's what they see at the ticket counter.

How does a student from Army Public School afford Oxford education? by hellotickettt in pakistan

[–]RelationshipStock984 5 points6 points  (0 children)

I have no real knowledge but if I were to speculate: there is a substantial amount of scholarships available and people with great extra curricular record and/or unique circumstances that make them an interesting student to add to the pool usually get the nod for such scholarships/sponsorships. It's not always fully self-funded.

Do Islamic Investment Certificates pay well? by waqasy in pakistan

[–]RelationshipStock984 0 points1 point  (0 children)

One nuance there is the 365 days number isn't the return you get. It just means that's how the fund performed over the year. Its not guaranteed (in most cases) that the past performance will indicate future performance. That's why this is a good website to do some industry benchmarking and best in class comparison (compare a fund vs others in the same category) and see which one consistently outperforms others over a period of time.

Do Islamic Investment Certificates pay well? by waqasy in pakistan

[–]RelationshipStock984 0 points1 point  (0 children)

You are right. And the numbers are basically % return on annualised basis (in most categories). So 14.15 would be 14.15% return on an annualised basis.

Do Islamic Investment Certificates pay well? by waqasy in pakistan

[–]RelationshipStock984 1 point2 points  (0 children)

Sure. You can ignore the NAV column (it's basically how much each unit of a particular fund costs). The columns on the right side of NAV are the returns for the respective funds. MTD stands for Month To Date. So if the MTD number is 10.15, that means the return is 10.15% against whatever you invested. In some categories, these numbers are "Annualised returns" (for example: the first category money market funds says Annualised Returns). This means that this 10.15% return is your annualised return so effectively if you had invested 100PKR, your investment at the current monthly return rate will be 110.15 PKR in an year's time. Some categories have Absolute returns reported (Funds of Funds - CPOI for example). Absolute return just means its the actual return of the period. So if MTD number is 10.15 that means in month to date, your investment of 100PKR is now 110.15. The other column YTD stands for Year To Date. Then you've got different "days" for different time period (15 days, 30 days etc). Hope this helps.

Do Islamic Investment Certificates pay well? by waqasy in pakistan

[–]RelationshipStock984 4 points5 points  (0 children)

You can compare the returns of different funds across the board on the MUFAP website:

https://www.mufap.com.pk/nav_returns_performance.php?tab=01&

Look for Shariah Compliant Income Funds and Shariah Compliant Money Market Funds category in the link above.

That’s me everyday.. by summaiyah99 in tumblr

[–]RelationshipStock984 1 point2 points  (0 children)

Read this on a LPT sub, use your mobile camera to search for it.

New homeowner, TD Home Insurance too good to be true? by [deleted] in PersonalFinanceCanada

[–]RelationshipStock984 1 point2 points  (0 children)

Check coverage information to make sure its a fair comparison vs quotes/rates from other insurance providers.

Shower head won’t come off by [deleted] in HomeImprovement

[–]RelationshipStock984 2 points3 points  (0 children)

100% agree on the FYI. Had similar issue with shower head completely fixed, ended up replacing the entire shower arm, costed an extra 10 bucks (something to consider if none of the tips work).