Umair's Blog

Best Personal Loan Rates in Pakistan 2026: UBL vs Samba vs HBL vs Askari Compared

noreply@blogger.com (Umair Wasi) — Wed, 14 Oct 2026 19:17:35 +0000

**One detail worth noting before you apply:** The same loan amount and tenure can cost you over **PKR 100,000 more** depending on which bank you choose. That gap doesn't come from the interest rate alone — it comes from the rate range (21% vs 36%), processing fees, forced insurance, and your employer category.

## The 2026 Market Context

The State Bank of Pakistan's policy rate has held at **11.5%** for most of 2026, but inflation remains around **10.3%**. This means banks' cost of funds hasn't dropped meaningfully, and personal loans — being **unsecured** — carry rates far above the policy rate. The overall market for personal loans sits somewhere between **18% and 35%** annual markup.

## Bank Comparison Table

|------|---------------------|------------|------------|-------------------|-------------|

## Breaking Down Each Bank

### UBL CashPlus: The Cheapest Option on the Market

UBL CashPlus offers one of the **lowest starting rates** in Pakistan's personal loan market in 2026, beginning around **21%** annual markup. You can borrow up to **PKR 3 million** over a maximum of **4 years**. The minimum monthly income requirement is just **PKR 20,000–40,000**, making it the most accessible product for middle-income earners.

But note: 21% is typically reserved for customers who **route their salary through UBL** or have excellent credit scores. Your actual approved rate depends on your employer category and eCIB credit history.

### Samba Bank: Highest Limit, But Rates Climb Fast

Samba Personal Loan offers up to **PKR 4 million**, with rates starting at **26%** but reaching as high as **35.5%** based on risk pricing. Its unique selling point is **0% early settlement penalty** — but you pay for that freedom with an additional markup of up to **4%**. In other words, if you want to pay off your loan early, Samba won't penalize you, but you're paying for that flexibility throughout the loan's life.

Minimum monthly income requirement is **PKR 50,000**, plus at least **3 months of banking relationship** (salary customers).

### HBL PersonalLoan: Fastest App Approval, But Higher Rates

HBL's personal loan carries rates up to **35.99%**, on the higher end among mainstream banks. But it has two advantages: **app-based approval in as fast as 2 days**, and a **50% processing fee discount for women account holders**.

The income threshold is **PKR 35,000 monthly**, but your **salary must be routed through an HBL account**. If your salary isn't with HBL, this path is essentially closed. Early settlement penalty is **7%** of outstanding balance, and partial prepayment is not allowed in the first year.

### Askari Bank: Your Employer Determines Everything

Askari Bank's personal loan has the **most complex employer grading system** of any bank, and it directly determines your rate and eligibility:

- **Permanent employees**: Government/semi-government minimum **PKR 35,000**; Category A approved companies **PKR 40,000**; Category B/C approved companies **PKR 50,000**; **non-approved companies PKR 70,000**.

- **Contractual employees**: Higher thresholds across the board — non-approved companies require **PKR 80,000**.

- **Rates**: Branch customers fixed at **31%**, non-branch at **33%**, with some categories reaching **37%**.

This is the **least friendly product for employees of non-approved companies**. If you work at a company not on Askari's approved list, you need to earn PKR 70,000+ to even qualify — and you'll likely pay one of the highest rates in the market.

## Hidden Costs: Don't Look at the Rate Alone

**Processing fees**: UBL charges **PKR 6,000 or 1.5% of loan amount** (whichever is higher). HBL charges **PKR 6,000 or 1.25%**.

**Forced insurance**: Askari requires loan protection insurance at roughly **PKR 300–500 per month per million borrowed**. On a PKR 4 million, 4-year loan, that alone adds **PKR 10,000–20,000** over the life of the loan.

**Early settlement penalties**: UBL charges **10%** in year one, **7%** from year two onward. HBL charges **7%**. Samba trades this for a rate premium.

**DBR (Debt Burden Ratio) cap**: All banks enforce roughly **40% of monthly income** as the maximum EMI. This means if you earn PKR 100,000 monthly, your EMI cannot exceed approximately PKR 40,000.

## The Bottom Line

**If you have moderate income and a standard employer**: UBL CashPlus is the most realistic option, with its 21%–28% rate range and PKR 20,000–40,000 threshold making it the starting point for most people.

**If you have higher income, need a large amount, and plan to repay early**: Samba's PKR 4 million limit and 0% early settlement penalty are worth considering — but be prepared for 26%–35.5% rates.

**If your salary is routed through HBL**: App-based approval is the fastest, but 35.99% means you're paying a premium for speed.

**If you work at a non-approved company**: Askari's PKR 70,000 income threshold and rates up to 37% make it a non-starter. Prioritize UBL or Samba instead.

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*Data in this article is based on publicly available bank information for 2026. Actual rates and terms are subject to bank approval. Always confirm the latest rate sheet before applying.*

See below more articles at Umair's Blog
Urdu Posting Issue At Blogger
Nice Cold Winter Nights in Karachi
Role of Human Resource Management in 21st Century
Coke Studio & Rohail Hayat

Navigating Private Sector Salary Trends & Personal Loans in Karachi for 2026

noreply@blogger.com (Umair Wasi) — Mon, 05 Oct 2026 18:45:23 +0000

Karachi remains Pakistan's financial heartbeat, commanding the highest salaries in the country and anchoring the corporate and export sectors that drive formal employment. But for the private sector professional in 2026, the picture is complicated: nominal wages are rising, yet the gap between what you earn and what you can actually borrow against that income is widening.

Here is what the numbers actually look like.

Salary Realities in Karachi's Private Sector

The headline figure for formal professional salaries in Karachi sits around PKR 76,327 per month as of April 2026, according to Bayt.com data. This is significantly higher than the national median of PKR 33,600, which reflects the informal economy's drag on overall statistics. Karachi commands the highest salaries in Pakistan, followed closely by Lahore, with both cities anchoring the country's finance, corporate, and export sectors.

The technology sector is where the real money flows. A full-stack developer in Karachi earns an average of PKR 3.9 million annually, with entry-level positions starting around PKR 2.8 million and senior developers commanding PKR 4.6 million or more. This represents a 17.1% average growth rate over two years, with projections showing a 48.4% salary increase over five years.

Senior tech professionals working for international clients regularly clear PKR 500,000 per month, many times the local average. This bifurcation—between those serving domestic companies and those plugged into global markets—is the defining feature of Karachi's private sector salary landscape in 2026.

Yet the median wage for formal professional roles remains far below these peaks. The disconnect between headline tech salaries and the broader professional market means that for every developer earning PKR 400,000, there are dozens of professionals in retail, services, and traditional industries earning fractions of that figure. A retail buyer assistant, for example, averages PKR 1.34 million annually—respectable, but a fraction of tech compensation.

The Personal Loan Landscape

Here is where the 2026 picture becomes genuinely uncomfortable for borrowers.

The State Bank of Pakistan's policy rate has held steady at 11.5% since late April 2026, a stability that MCB Bank projects will continue through June 2027 . This should, in theory, translate to reasonable borrowing costs.

It does not.

Personal loans in Pakistan are unsecured, and the market prices them accordingly. The spread across banks is dramatic:

UBL CashPlus offers the most competitive terms for salaried customers, with markup rates ranging from 21% to 28% per year, financing up to PKR 3 million, and a maximum tenor of four years. Eligibility requires a minimum monthly income of roughly PKR 20,000 to PKR 40,000.

Samba Bank offers similar flexibility—financing up to PKR 4 million over up to 48 months—but with rates ranging from 26% to 35.5% depending on risk assessment. The bank offers a 0% pre-payment penalty option, but you pay for that flexibility with up to 4% additional markup.

Askari Bank presents a more restrictive picture. Salaried employees at non-approved companies need a minimum income of PKR 70,000 to qualify, with contractual employees requiring PKR 80,000. The markup rates are fixed: 31% for branch customers, 33% for non-branch, climbing to 37% for certain categories.

Bank of Punjab offers the widest rate range, from 23.99% for platinum-tier borrowers to 38.99% standard.

The practical takeaway: the best personal loan rates in Karachi in 2026 hover around 21% to 28% for well-qualified salaried professionals. But "best" is relative. These are still expensive products, and the spread between the lowest and highest rates is nearly 15 percentage points—meaning the same loan could cost you tens of thousands of rupees more or less depending purely on which bank you walk into.

The Income-to-Loan Reality

Here is where salary trends and lending reality collide.

Consider a Karachi professional earning the average formal-sector salary of PKR 76,327 monthly. Banks typically cap personal loan EMIs at 40% of monthly income through the Debt Burden Ratio (DBR) calculation. That translates to a maximum EMI of roughly PKR 30,500.

At UBL's most competitive rate of 21%, a four-year loan of PKR 1 million would carry an EMI of approximately PKR 30,800—just at the threshold. The same loan at Askari's 33% rate would push the EMI above PKR 35,000, disqualifying the borrower entirely.

This creates a paradox: the professionals most likely to qualify for large loans—senior tech workers earning PKR 300,000 to 500,000 monthly—are often the ones who need them least. Meanwhile, mid-career professionals earning PKR 80,000 to 120,000 can access only limited financing relative to their needs, even though their incomes place them solidly in Karachi's formal professional class.

What This Means for 2026 Borrowing

The policy rate stability through 2026 provides a floor for borrowing costs, but it does not make unsecured personal loans cheap. The spread between the SBP rate (11.5%) and personal loan markup (21% to 38%) reflects the risk premium banks assign to unsecured lending in Pakistan's economic environment.

For Karachi private sector professionals considering a personal loan in 2026:

Compare total cost, not just markup. Processing fees, insurance charges, and documentation costs add up. A 21% rate with a 2% processing fee can cost more than a 23% rate with no fees.

Your salary source matters enormously. Askari Bank's tiered eligibility system—PKR 40,000 minimum for Category A approved companies versus PKR 70,000 for non-approved—shows how banks price risk based on employer stability. Working for a multinational or large corporate unlocks better terms.

The salary growth projections justify patience. With full-stack developer salaries projected to grow 48% over five years, waiting twelve months for a better income bracket may be more financially sound than locking into a high-rate loan today.

Shorter tenures reduce total cost. A four-year loan at 25% costs roughly 50% of the principal in markup over its life. A two-year loan at the same rate costs about 25%. If you can manage the higher EMI, the savings are substantial.

The Bottom Line

Karachi's private sector offers genuinely attractive salaries in 2026, particularly for technology professionals connected to international markets. But the personal loan market has not adjusted proportionally. Banks price unsecured credit at spreads that reflect Pakistan's broader economic risk profile, meaning even the best rates (21% to 28%) represent a significant cost of borrowing.

The professionals best positioned to navigate this landscape are those who qualify for prime rates through stable, approved-employer positions, maintain clean credit histories, and borrow conservatively relative to their income. For everyone else, the gap between what Karachi salaries offer and what Karachi banks demand remains as wide in 2026 as it has ever been.

See below more articles at Umair's Blog
Urdu Posting Issue At Blogger
Nice Cold Winter Nights in Karachi
Role of Human Resource Management in 21st Century
Coke Studio & Rohail Hayat

The Real Cost of Running a Blog in Pakistan (2026 Edition): Local Hosting vs. Cloud Hosting & Payment Gateways

noreply@blogger.com (Umair Wasi) — Sat, 03 Oct 2026 17:57:45 +0000

Disclosure: This article contains no affiliate links. The providers mentioned are included based on their relevance to the Pakistani market in 2026.

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Let me be blunt with you: the dream of starting a blog in Pakistan and earning in dollars is alive and well. But the path from a blank WordPress install to a payment notification in your bank account is littered with hidden costs that most YouTube gurus conveniently forget to mention.

I have spent the better part of 2026 testing hosting providers, wrestling with payment gateways, and calculating the actual rupee cost of keeping a blog online. What I found might surprise you. The difference between a blog that costs PKR 5,000 per year and one that costs PKR 60,000 per year is not always performance. Sometimes, it is simply the bill you did not see coming.

This guide breaks down the real numbers. No affiliate fluff. No "it depends" answers. Just what you will actually pay in 2026 to run a blog from Pakistan.

Part 1: Local Hosting vs. Cloud Hosting — The Real Numbers

The hosting market in Pakistan has matured significantly. You now have genuine options at every price point, from ultra-cheap local shared hosting to premium international cloud infrastructure. But the cheapest option upfront is rarely the cheapest option over time.

The Local Hosting Reality

Local Pakistani hosting providers have one undeniable advantage: **you can pay in rupees using JazzCash, Easypaisa, or direct bank transfer**. No international credit card required. No currency conversion fees. No explaining to your bank why a charge from a US company appeared on your statement.

But local hosting comes with trade-offs. Independent uptime monitoring consistently shows Pakistani providers averaging **98.5% to 99.2% uptime**, compared to **99.9% to 99.99%** for major international providers. That 0.7% difference might sound trivial until your blog goes down on the day Google decides to crawl it.

What local hosting actually costs in 2026:

Provider	Entry Plan	Annual Cost	Best For
Truehost	₨282.65 / mo	₨3,392	First-time bloggers
RabHost	₨199.00 / mo	₨2,388	Absolute minimum budget
HostBreak	₨300.00 / mo	₨3,600	cPanel familiarity
NexzaHost	₨400.00 / mo	₨4,800	WordPress beginners

These prices are genuinely attractive. For less than the cost of two shawarmas per month, you can have a functional WordPress blog online. For a new blogger testing the waters, this is a perfectly reasonable starting point.

The catch? Renewal pricing. A plan advertised at ₨300 per month might renew at ₨900 per month. Over a three-year period, that "cheap" plan could cost you significantly more than you budgeted. Always check the renewal rate before committing.

The Cloud Hosting Option

Cloud hosting from international providers like Cloudways, DigitalOcean, or Vultr operates on a completely different model. You are not sharing a server with hundreds of other websites. You get dedicated resources, predictable performance, and infrastructure that can scale as your traffic grows.

What cloud hosting actually costs in 2026:

Provider	Entry Plan	Monthly Cost	Server Location
DigitalOcean	Basic Droplet	₨1,700–8,000	Singapore, Mumbai
Vultr	High-Frequency	₨1,700–8,000	Mumbai
Cloudways	DO 1GB	₨3,900–15,000	Mumbai
AWS Lightsail	1GB RAM	₨5,000+	Mumbai

For a typical Pakistani blog with a few thousand monthly visitors, a VPS with 4GB RAM and 2 CPUs in Singapore or Mumbai at roughly ₨5,000–8,000 per month is more than sufficient. That is ₨60,000–96,000 per year, which is a significant jump from local shared hosting.

The Latency Factor Nobody Talks About

Here is the uncomfortable truth: if your audience is primarily in Pakistan, hosting your server in Singapore, Dubai, or Mumbai adds 150 to 250 milliseconds of latency per round trip. On a page that makes twenty requests, that delay compounds into a noticeably slower experience for your local readers.

However, there is a solution that costs nothing: Cloudflare. Setting up Cloudflare's free CDN on your blog is the single highest-impact performance improvement available to Pakistani bloggers. Cloudflare operates a point of presence (PoP) in Karachi, serving cached assets to Pakistani visitors from local infrastructure. This typically reduces asset load times by 60 to 80 percent for local visitors.

The practical takeaway: you can host your blog on international cloud infrastructure for better reliability, then use Cloudflare to deliver a fast experience to Pakistani readers. This combination often outperforms local hosting while providing superior uptime.

If you want to avoid the common pitfalls of choosing a web host, check out my detailed breakdown on The Hosting Trap and how to avoid overpaying.

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Part 2: Payment Gateways — The Pakistan Problem

This is where the dream of blogging from Pakistan gets complicated. You have written the content. You have built the audience. Now you need to get paid. And this is where most Pakistani bloggers discover that the global internet economy was not designed with them in mind.

The Stripe and PayPal Void

Let me state this clearly: Stripe does not officially support Pakistan. PayPal does not operate in Pakistan. These are the two platforms that power the vast majority of online payments globally. Their absence creates a genuine structural obstacle for Pakistani creators.

Pakistani freelancers and bloggers who want to use Stripe have historically been forced into elaborate workarounds: registering LLCs in the US or UK, obtaining an EIN from the IRS, and setting up virtual bank accounts through services like Payoneer or Wise. This is not a sustainable solution for a blogger who just wants to monetize their content.

What Actually Works in 2026

The payment landscape has shifted. Here are the options that genuinely work for Pakistani bloggers today:

For Local Transactions:

If your audience is Pakistani and you are selling products or services directly, local payment gateways are your best option. JazzCash, Easypaisa, and bank-based gateways handle domestic transactions efficiently. For a blog selling digital products to a Pakistani audience, this is the path of least resistance.

For International Affiliate Income:

Affiliate marketing remains the most accessible monetization path for Pakistani bloggers, but payment processing is where most people stumble. The major affiliate networks have varying levels of support for Pakistan:

Amazon Associates (US): Technically accessible, but payments to Pakistani bank accounts are not direct. Payoneer is the common workaround, though many users report account bans and payment delays. Amazon also requires traffic from supported countries, meaning your blog must target US/UK audiences for meaningful commissions.

CJ Affiliate and Rakuten: These networks often reject applications from Pakistan during the approval process. Even when accepted, payouts are problematic.

Alternative Networks: Platforms like Digistore24 and Fiverr Affiliates offer smoother integration for Pakistani creators. They are not as prestigious as Amazon, but reliability matters more than brand recognition when you are waiting for your first payment.

For Digital Product Sales:

The most promising development in 2026 is Whop, which now officially supports Pakistan for payouts. Pakistani users can set up storefronts, complete KYC verification, and receive earnings directly to a local bank account in PKR. Whop accepts cards, wallets, crypto, and PayPal from international customers, then pays out to Pakistan without requiring a foreign company or bank account.

The limitation: Whop is a platform for selling digital products, not a general-purpose gateway that can be embedded into any website. For bloggers selling courses, memberships, or digital downloads, it is a viable option. For bloggers relying on ad revenue or affiliate commissions, it is less relevant.

The Payoneer Standard:

For most Pakistani bloggers earning international income, Payoneer remains the practical standard. It works with Amazon Associates, many freelance platforms, and direct client payments. The registration process requires your National ID (back side), a selfie for verification, and a bank statement issued within the last three months. Approval typically takes three business days.

Payoneer is not perfect. It is not PayPal. But it is the most reliable bridge between international earnings and a Pakistani bank account that currently exists at scale.

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Part 3: The Complete Cost Breakdown

Let me put this all together. Here is what running a blog from Pakistan actually costs in 2026.

Scenario A: The Minimum Viable Blog

Expense	Annual Cost (PKR)
Local shared hosting	₨3,000–4,800
.com domain	₨2,200–3,500
Free SSL (Let's Encrypt)	₨0
Cloudflare CDN (free tier)	₨0
WordPress (free)	₨0
Free theme	₨0
Total	₨5,200–8,300

This setup works. It is not fast. It is not scalable. But for a new blog with modest traffic, it will keep your site online while you focus on content. The 98.5% uptime of local providers means occasional downtime, but for a blog that nobody is reading yet, this is tolerable.

Scenario B: The Serious Blog

Expense	Annual Cost (PKR)
Cloud VPS (Singapore/Mumbai)	₨60,000–96,000
.com domain	₨2,200–3,500
Cloudflare Pro (optional)	₨0–24,000
Premium theme	₨7,000–15,000
Essential plugins	₨10,000–25,000
Total	₨79,200–163,500

This is the setup for a blog that is generating real traffic and real revenue. The cloud infrastructure provides the reliability and performance that serious publishers need. The premium tools reduce friction and improve the reader experience.

Scenario C: The Hybrid Approach

Expense	Annual Cost (PKR)
Local shared hosting (for staging/backup)	₨3,000–4,800
Cloud VPS (primary)	₨60,000–96,000
Cloudflare CDN	₨0
Domain + SSL	₨2,200–3,500
Total	₨65,200–104,300

| Total | **65,200–104,300 |

This is what I would recommend for most Pakistani bloggers who are serious about growth. Keep a cheap local hosting account as a backup and staging environment. Run your primary site on cloud infrastructure. Let Cloudflare handle delivery to Pakistani readers from its Karachi PoP. You get the best of both worlds: international reliability with local delivery speed.

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Part 4: The Hidden Costs Nobody Mentions

Beyond the line items, there are real costs that bloggers from Pakistan consistently underestimate.

The Time Cost of Payment Workarounds

Every hour spent figuring out how to receive a payment is an hour not spent writing content or building backlinks. The payment friction for Pakistani bloggers is real, and it has an opportunity cost. Choosing platforms that work smoothly with Pakistani payment methods (like Whop for digital products, or affiliate networks that support Payoneer) saves you time and frustration.

The Currency Risk

If you are earning in USD and paying for hosting in USD, you are exposed to exchange rate fluctuations. A plan that costs $10 per month might cost PKR 2,800 when the rate is favorable and PKR 3,500 when it is not. Over a year, this adds up. Where possible, lock in PKR billing for predictable expenses.

The Opportunity Cost of Cheap Hosting

That ₨300/month plan might work fine for a blog with no traffic. But the moment you start getting readers, the limitations become apparent. Slow loading times hurt your Google rankings. Frequent downtime damages reader trust. When you factor in the lost traffic and lost revenue, the "cheap" option often costs more than the premium one.

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Final Verdict

Running a blog from Pakistan in 2026 is entirely feasible. The infrastructure exists. The payment pathways, while imperfect, are workable. The audience, particularly in the US and UK, is accessible if you create content that serves them.

The real cost breakdown depends entirely on your goals:

- For a hobby blog or a beginner testing the waters: ₨5,000–8,000 per year with local hosting is a reasonable starting point. Accept the uptime limitations and use Cloudflare to compensate.

- For a serious blog with growth ambitions: Budget ₨65,000–100,000 per year for cloud hosting, premium tools, and the infrastructure needed to compete in Tier 1 markets.

- For a blog that is already generating revenue: The cost is an investment. Optimize for performance and reliability, not for the lowest sticker price.

The bloggers who succeed from Pakistan are not the ones who found the cheapest hosting. They are the ones who understood the full cost picture, made informed trade-offs, and focused their energy on creating content that people actually want to read.

The internet does not care where you are writing from. It only cares whether you are creating something worth reading. The infrastructure is your problem to solve. Once you solve it, the world is your audience.

The Hosting Trap: How I Finally Found the Best Web Hosting in Pakistan for My Blog

noreply@blogger.com (Umair Wasi) — Sat, 26 Sep 2026 04:37:52 +0000

Most of us start with international hosts like Hostinger or Namecheap. They're popular, but they come with hidden headaches for us.

Disclosure:

This post contains affiliate links. If you purchase through them, I may earn a commission at no extra cost to you. I only recommend services I've personally vetted.

My 16-year old blog almost died because of bad hosting. Here’s what I learned, and the platform I now trust for my own projects.

When I revived my blog, Views on Pakistan News, earlier this year, I was excited. I had a massive archive of content going back to 2010. But there was a problem I didn't anticipate: my old hosting was a nightmare. It was slow, the support was non-existent, and I was overpaying for a service that felt like it was stuck in 2015.

For any Pakistani blogger, freelancer, or small business owner, this is a story you likely know all too well.

The Reality of Web Hosting in Pakistan

Most of us start with international hosts like Hostinger or Namecheap. They're popular, but they come with hidden headaches for us.

1. The Payment Wall: You need a credit card that works for international transactions. For many in Pakistan, this is a major hurdle. Even if you have one, you get hit with foreign transaction fees and unpredictable exchange rates.

2. Support in the Wrong Timezone: When your site goes down at 2 AM PST, you're often stuck waiting for support that operates on a different clock.

3. The "Cheap" Illusion: The advertised price is rarely what you pay. Renewal rates are often 2-3x higher, and essential features like SSL certificates are sold as costly add-ons.

I knew I needed a local solution. I needed a host that understood the Pakistani market.

Why HostingWalay Stood Out

After weeks of research and testing, I found my answer: HostingWalay. Based in Karachi, they are a Pakistani company built for Pakistani users. Here’s why they became my choice, and why I recommend them to every new blogger I mentor.

1. They Solve the Payment Problem

This was the biggest factor for me. You can pay for your hosting using JazzCash or EasyPaisa. No credit card required. All your billing is done in PKR, so you know exactly what you're paying—no hidden exchange fees.

2. Local Support You Can Actually Count On

They offer **24/7 support** with a team based in Karachi. You can speak to someone who understands your context, without waiting for a reply from across the globe. Their service includes a **99.9% uptime guarantee** and a **30-day money-back guarantee**, making it a low-risk choice for beginners.

3. Everything You Need to Start

For a new blogger, their plans include the essentials:

* Free SSL Certificate** (the padlock icon that secures your site)

* Free Domain Registration** with annual hosting plans

* cPanel/WordPress Hosting** options that are easy to set up

My Practical Advice for New Bloggers

If you are starting a blog in Pakistan in 2026, here is my simple advice:

* Prioritize Local Payment: Your first goal is to get your site live without fighting your bank. Choose a host that accepts JazzCash and EasyPaisa.

* Beware of "Too Cheap" Hosting: A host that promises unlimited everything for PKR 100 a month is likely overselling and will be slow. Your time is worth more than the few hundred rupees you'll save.

For a full financial breakdown of domain fees, payment gateway hurdles, and setup expenses, read my complete guide on the real cost of running a blog in Pakistan.

* Think Long-Term: Look for a host that offers a fair renewal price and a solid affiliate program. Building a blog is a marathon, not a sprint.

For me, moving to HostingWalay was like finally getting a reliable car after years of driving a clunker. It just works.

Ready to start your own blog? I recommend checking out their plans here:

See below more articles at Umair's Blog

Atif Asalm Dubai Concert 2026

Navigating Private Sector Salary Trends Personal Loans Karachi

Role of Human Resource Management in 21st Century

Coke Studio & Rohail Hayat

Atif Aslam Dubai Concert 2026 [NEW DATE 27 NOV] Ticket Price, Venue & How to Buy Tickets from USA/Pakistan

noreply@blogger.com (Umair Wasi) — Fri, 25 Sep 2026 21:58:25 +0000

Quick Info:

Date: 27 Nov 2026 (Rescheduled)

Venue: Coca-Cola Arena, City Walk Dubai

Tickets: AED 150 - 500 (Platinumlist.net officieal)

Doors: 5:30 PM, Show: 7.30 PM

Most Pakistani fans don't know where to buy legitimate tickets, how to avoid scams, or even what the actual costs look like.

Disclosure: This post contains affiliate links. If you purchase tickets through these links, I may earn a commission at no extra cost to you. I only recommend platforms I've personally researched.

Dubai has quietly become the concert capital for South Asian music fans. With Atif Aslam, Abida Parveen, Lucky Ali, and dozens of international acts performing at Coca-Cola Arena and Dubai Opera this year, more Pakistanis than ever are hopping on a 3-hour flight to catch their favourite artists live.

But here's the problem: most Pakistani fans don't know where to buy legitimate tickets, how to avoid scams, or even what the actual costs look like.

I've broken it all down.

🎤 Upcoming Concerts Worth Flying For

Here are the shows that are actually relevant to Pakistani audiences in 2026:

Atif Aslam Live in Dubai
The biggest name in Pakistani music returns to Coca-Cola Arena. The show was originally scheduled for April but has been rescheduled to Friday, 27 November 2026 at 7:30 PM. Tickets start from AED 150 (roughly PKR 11,400) for Bronze/Silver tiers, going up to AED 600 for Gold/Diamond.

Borderless Melodies: Abida Parveen & Kailash Kher
This is a historic one — the legendary Abida Parveen from Pakistan and Kailash Kher from India sharing a stage in Dubai. The inaugural edition is on Friday, 13 November 2026, with tickets starting from around $28 (PKR 7,800).

Lucky Ali
The nostalgic favourite performed at Coca-Cola Arena in August. Keep an eye on Platinumlist for any additional shows or rescheduled dates.

Alan Walker (FREQUENCY 971)
For the EDM crowd, Alan Walker headlined Coca-Cola Arena on 22 August 2026, with tickets starting from just AED 99.

The Marriage of Figaro (Dubai Opera)
Dubai Opera opened its 10th anniversary season with this Ukrainian National Ballet performance. If you're into classical or want a more premium experience, this is worth watching for future dates.

✈️ Getting There: What It Actually Costs

Flights from Pakistan to Dubai are surprisingly affordable if you plan ahead.

From Islamabad: Cheapest nonstop one-way flights start from Rs 38,492, with round-trip fares around Rs 61,472. The flight takes about 3 hours 35 minutes. Emirates, PIA, Airblue, and Serene Air all operate this route.

From Karachi: One-way fares start from PKR 45,351 on flydubai, with nonstop flights taking just 2 hours 25 minutes. November is actually one of the cheapest months to fly.

Pro tip: Tuesday, Wednesday, and Saturday are consistently the cheapest days to book flights from Pakistan to Dubai.

🛂 Visa Requirements (Updated 2026)

Pakistani passport holders can get a UAE tourist visa relatively easily. Here's what you need:

Passport valid for at least 6 months
Recent passport-size photograph and copy of CNIC
Proof of funds — at least AED 3,000 (roughly PKR 228,000) in cash or available via credit card
Confirmed accommodation information

Some reports indicate visa-free entry for up to 60 days is available, but always verify with the UAE embassy before booking.

🎟️ Where to Buy Tickets Safely

This is the most important part.

Do not buy from random Facebook sellers or Instagram DMs. Ticket scams targeting Pakistani fans have become common. Counterfeit tickets mean you fly all the way to Dubai and get turned away at the gate.

The safest option is Platinumlist, which is the Middle East's leading ticketing platform. Here's why it matters for you:

Official resale marketplace — if you buy tickets and can't travel, you can resell them safely without getting scammed or price-gouged
SafeTicket technology — dynamic QR codes that refresh constantly, making tickets impossible to duplicate
Trilingual support — English, Arabic, and Turkish, so the entire process is smooth for international buyers
Mobile-first delivery — tickets arrive via email and the Platinumlist app, accessible offline at the venue
Exclusive pricing — early-bird discounts and promo codes not available on other platforms

👉 Browse Dubai concerts and events on Platinumlist here

💰 The Complete Budget Breakdown

Here's a realistic estimate for a Pakistani fan flying from Karachi to see Atif Aslam in November:

Expense	Estimated Cost (PKR)
Return flight (Karachi–Dubai)	Rs 60,000 – 75,000
Concert ticket (mid-tier)	Rs 20,000 – 30,000
Hotel (2 nights, budget)	Rs 25,000 – 40,000
Visa + misc	Rs 15,000 – 20,000
Food & local transport	Rs 15,000 – 20,000
Total	Rs 135,000 – 185,000

It's not cheap — but for a once-in-a-lifetime concert experience with your favourite artist, many fans find it worth it. And if you're already planning a Dubai trip for family or work, the concert is just a bonus.

Ticket Price in Dubai 2026

Atif Aslam Dubai Concert ke tickets Platinumlist.net pe start hote hain:

- Silver Zone: AED 150

- Gold Zone: AED 250

- VIP / Platinum: AED 500

Note: Ye official price hai. Resale pe SeatPick pe €39 se start ho raha hai.

How to Buy Tickets from USA

Agar aap USA me ho to:

1. Go to platinumlist.net

2. No VPN needed

3. US credit card (Visa/Mastercard) accepted

4. E-ticket app me 48 hours pehle QR code aayega

How to Buy Tickets from Pakistan

Pakistan se direct payment me issue aata hai:

1. Meezan / HBL debit card international enabled hona chahiye

2. Agar card decline ho to UAE me kisi dost se BookMyShow ya Platinumlist se le lo

3. Print nahi karna, mobile ticket hi chalega Dubai me

FAQs - Atif Aslam Dubai Concert Rescheduled?

Q: Atif Aslam Dubai concert new date kya hai?

A: 27 November 2026, 7:30 PM, Coca-Cola Arena.

Q: April 19 wale tickets valid hain?

A: Yes, November 27 ko valid hain. Refund chahiye to 19 April 2026 se pehle point of purchase ko contact karo.

Q: Ticket price in Pakistan Rupees?

A: AED 150 = approx PKR 11,500 (rate ke hisab se).

🎯 Final Thoughts

Dubai's concert scene in 2026 is genuinely impressive for South Asian music fans. The key is buying from legitimate platforms and planning your trip early to lock in cheaper flights.

If you're seriously considering a concert trip, start with Platinumlist to see what's available. Their 60-day cookie window and official resale protection make them the safest option for Pakistani buyers.

What concert would you fly to Dubai for? Let me know in the comments.

See below more articles at Umair's Blog

Urdu Posting Issue At Blogger

Nice Cold Winter Nights in Karachi

Role of Human Resource Management in 21st Century

Coke Studio & Rohail Hayat

KitchenAid Mixers, Staple of Every Kitchen

noreply@blogger.com (Umair Wasi) — Wed, 13 Nov 2024 21:25:00 +0000

KitchenAid mixers have been helping people bake for over 100 years. They're strong, easy to use, and can do many things. Whether you're a beginner or an experienced baker, KitchenAid mixers are a great choice.

KitchenAid Mixers

History

The first KitchenAid mixer was made in 1919 by Hobart Manufacturing Company. Later, the company became KitchenAid. The mixer was designed to make baking easier and faster.

Features

- Powerful motors: KitchenAid mixers have strong motors that can mix heavy dough and thick batter.

- Mixes everything well: The mixer's bowl and beaters are designed to mix everything evenly.

- Many speed options: You can choose from different speeds to mix, whip, or knead.

- Lasts a long time: KitchenAid mixers are made with high-quality materials that last.

- Can do other tasks with attachments: You can buy attachments to grind meat, make pasta, juice citrus fruits, and more.

Popular Models

- Classic Plus: A basic mixer with essential features.

- Artisan: A mid-range mixer with more features and a larger bowl.

- Professional: A powerful mixer for working bakers.

- Stand Mixers: Frees your hands for other tasks.

- Hand Mixers: Portable and easy to use.

Attachments

- Food Grinder: Grinds meat, cheese, and vegetables.

- Pasta Maker: Rolls out homemade pasta.

Citrus Juicer Attachment:

Easily extract fresh juice from your favorite citrus fruits, including:

- Oranges

- Lemons

- Limes

- Grapefruits

This convenient attachment transforms your KitchenAid mixer into a citrus juicer, making it simple to add a burst of citrus flavor to various recipes, from baked goods to beverages.

- Ice Cream Maker: Churns homemade ice cream.

- Pastry Dough Attachment: Helps with delicate pastry dough.

Care

- Clean regularly: Wipe the mixer clean after each use.

- Oil moving parts: Keeps the mixer running smoothly.

- Store attachments properly: Keep attachments in a dry place.

Benefits

- Saves time: Mixes and prepares ingredients quickly.

- User-Friendly Interface:

Enjoy effortless operation with:

- Intuitive controls

- Clear display

- Streamlined design

The KitchenAid mixer's user-friendly interface makes it easy to:

- Select desired settings

- Monitor progress

- Achieve perfect results

Even beginners can confidently operate the mixer, while experienced bakers will appreciate the seamless functionality.

- Built to last

KitchenAid Mixers are designed for longevity, ensuring:

- Long-lasting performance

- Resistance to wear and tear

- Reliable operation

With proper care and maintenance, your KitchenAid mixer will withstand:

- Frequent use

- Heavy loads

- Years of service

Invest in a KitchenAid mixer for a lifetime of baking excellence.

Tips and Tricks

- Initiate with lower speed and increase gradually.

- Don't overmix.

- Clean the bowl and beaters thoroughly.

Conclusion

KitchenAid mixers are trusted and helpful for baking. They're easy to use and last long. Whether you bake a little or a lot, KitchenAid mixers are a great choice. With various models and attachments available, you can find the perfect mixer for your needs.

Frequently Asked Questions

Q: What is the difference between KitchenAid mixer models?

A: Each model varies in features, size, and power.

Q: Can I use my KitchenAid mixer for non-baking tasks?

A: Yes, with various attachments.

Q: How do I clean my KitchenAid mixer?

A: Wipe clean with a damp cloth and oil moving parts.

By choosing a KitchenAid mixer, you'll make baking easier, faster, and more enjoyable.

APPLE WATCH ON BLACK FRIDAY

noreply@blogger.com (Umair Wasi) — Tue, 12 Nov 2024 05:43:00 +0000

Best Buy prepares to launch its annual Black Friday shopping extravaganza, offering customers unbeatable value. If you're looking for deals on electronics, appliances, and more, here are some categories to explore:

LOOKING FOR FANTASTIC DEALS ON BLACK FRIDAY

Looking for the best deals on Apple Watches? Here are some fantastic options:

Amazon: HUGE DISCOUNT! Apple Wrist-Watch 10 (41mm) now $355 after discount (previously 399) on Amazon - don't miss out! - don't miss out! You can also snag the Apple Watch 9 (GPS/41mm) for $329 and the Apple Watch SE (GPS/40mm) for $189.

Best Buy Canada: Score amazing deals on various Apple Watch models, including open-box, refurbished, or clearance items.

AT&T: Buy two Apple Watches and get $300 off your total price.

BEST PRICES ON OLDE MODELS

Black Friday deals are already rolling out, and you can avail some amazing discounts on Apple Watches. Limited time deals, act fast;

- *From $398.8 to $355.8: grab the Apple Watch Series 10 (42mm) at a low price.

- Apple Watch Series 10 (42mm): Save $45 and get it for only $35452.

BEST PRICES ON LATEST MODELS

- *Apple Watch Series 10 (46mm GPS)*: Discounted by $37, now available for $392.

- *Apple Watch Ultra 2 (Black)*: Enjoy a $77 discount, bringing the price down.

WHERE THEY'RE AVAILABLE

These deals are available on Amazon, and it's worth noting that prices might drop even further as Black Friday approaches. Keep an eye on MacRumors and PhoneArena for the latest updates on Apple Watch deals.

BEST BRANDS TO BUY

Looking for the best apple brands to buy? Here are some top recommendation on bands to buy

*Everyday Bands*

- _Apple Solo Loop_: Ultra-comfortable, sweat and swim-proof, and comes in plenty of colors.

- _Apple Braided Solo Loop_: Soft, comfortable, and water-resistant, made from recycled polyester yarn filaments

*Workout Bands*

- _Apple Sport Loop_: Great for most workouts, carbon neutral, and lightweight

- _Nike Sport Band_: Breathable, durable, and simple fit ¹

- _Nike Sport Loop_: Top running choice, with reflective thread and breathable design

*Swimming Bands*

- _Apple Sport Band_: Best for swimming, durable, strong, and comfy fit

- _Lerobo three-pack_: Great value, water-resistant, and easy to wear

- _Nisto Silicone Strap_: Very breathable, waterproof, and lightweight

*Leather Bands*

- _Casetify Apple Watch Band_: Vegan leather, stylish looks, and sweat-resistant

- _California Poppy Leather Link_: Elegant French leather, premium feel, and magnet attachment

- _Apple Leather Link_: Classy Italian leather, high-end look, and attractive

*Designer Bands*

- _Kate Spade Floral Silicone Apple Watch Strap_: Stylishly cute, elegant flowery design, and secure buckle

- _Hermes Kraft/Rouge de Coeur Jumping Single Tour_: Attractively designed, swim-proof, and great use of textiles

- _Mintapple Limited Edition Genuine Exotic_: Distinctive crocodile skin leather, very durable

NEW ACCESSORIES FOR CUSTOMER

Looking for new accessories for your Apple Watch? Here are some exciting options:

*Bands*

- __Milanese Loop__: A stylish and modern band available

- __Sport Loop__: Perfect for fitness enthusiasts,

- __Solo Loop__: A sleek and comfortable option.

- __Nike Sport Loop__: Designed for athletes, available.

- __Ocean Band__: A stunning band for the Apple Watch Ultra,

- __Alpine Loop__: Another great option for the Apple Watch Ultra, available

- __Trail Loop__: Ideal for outdoor enthusiasts,

- __Titanium Milanese Loop__: A premium band

- __Hermès En Mer__: A luxurious band.

*Charging Essentials*

- __35W Dual USB-C Port Power Adapter__: Fast charging for your Apple Watch.

- __Apple Watch Magnetic Fast Charger to USB-C Cable (1 m)__: Convenient charging, available.

- __Belkin BOOST↑CHARGE PRO 2-in-1 Wireless Charging Dock with MagSafe__: Wireless charging made easy.

- __Belkin BOOST↑CHARGE PRO 3-in-1 Wireless Charging Pad with MagSafe__: Charge multiple devices, available.

- __Belkin BOOST CHARGE PRO Portable Fast Charger for Apple Watch__: Portable and fast charging.

*Headphones & Speakers*

- __AirPods Pro__: High-quality earbuds with advanced features, available.

Unleash the power of your Apple Watch with these cutting-edge accessories.

BEST TRADE IN OFFERS

Apple's trade-in program is a fantastic way to upgrade your device while also doing your part for the environment. Here's how it works:

- *Eligible Devices*: You can trade in various Apple devices, including iPhones, iPads, Macs, and Apple Watches.

- *Trade-in Process*: Simply visit Apple's website or head to an Apple Store to get an estimate of your device's value. If you're happy with the price, you can send in your device or bring it to the store.

- *Payment Options*: You'll receive your trade-in value as credit toward a new device or as an Apple Gift Card.

- *Environmental Benefits*: If your device isn't eligible for trade-in, Apple will recycle it for free, helping to reduce electronic waste.

- *Timeframe*: You have 14 days to send in your trade-in device after receiving your new one.

- *Condition Requirements*: Make sure your device is in good condition to get the estimated trade-in value.

Some additional tips to keep in mind:

- *To ensure data security*, backup your information before trade-in.

- *Turn off Find My* on your device before trading it in.

- *Remove any personal data* from your device before trading it in.

By trading in your old device, you'll not only get a great deal on a new one, but you'll also be helping Apple reduce its carbon footprint.

IN CONCLUSION

You can find these deals on Amazon and Target . Keep in mind that prices might drop even further as Black Friday approaches, so it's essential to keep an eye on these retailers' websites.

For the latest updates on Apple Watch deals, I recommend checking out MacRumors. They've got a dedicated section for Black Friday deals, and you can even sign up for their newsletter to stay informed.

Happy shopping!

See below more articles at Umair's Blog
Urdu Posting Issue At Blogger
Nice Cold Winter Nights in Karachi
Role of Human Resource Management in 21st Century
Coke Studio & Rohail Hayat

Any App, Email Client/Handler that Can Sync Blackberry Group (AKA Distribution List)

noreply@blogger.com (Umair Wasi) — Tue, 28 Aug 2018 09:28:00 +0000

BlackBerry Personal Distribution List or Message Group is a handy tool to easily communicate with your friends/customers or clients either through email or even text messages

BlackBerry Personal Distribution List or Message Group is a handy tool to easily communicate with your friends/customers or clients either through email or even text messages but unfortunately, it is not syncing with mail client of Windows i.e., MS Outlook 2007 what is the reason behind that was specified on RIM Blackberry website is that

Microsoft ActiveSync does not support the synchronization of Private Distribution Lists or Contact Groups (link to this article is on https://support.blackberry.com/kb/articleDetail?language=en_US&articleNumber=000045140).

What I need is as follows;
-I am a user of Blackberry Bold 9780 having OS version 6.0 Bundle 3049,
-using Windows 7, 32bit on a desktop pc /laptop
-need to sync over 20,000 contacts equally divided into 200 BB Groups so that I can communicate with my contacts on email via a distribution list on any Email Client

Email clients that I priorly used and failed to drag any reasonable results are

Zimbra Email Client
Claws Email Client
Opera Mail Client

Any guy would help me to resolve the above issue then welcome to post the solution in the comment box, please avoid posting any paid program as I already use many sync and mail clients that did not provide any reasonable solution to above issue.

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Short Profile of Turkish Scholar Fatehullah Gulen

noreply@blogger.com (Umair Wasi) — Tue, 13 Sep 2016 19:30:00 +0000

Fatehullah Gulen (Gollen or Golan also Gollan) was Turkish Writer, Imam, Preacher & Politician born on 27 April, 1941 and played a vital role in Turkish Politics, Gulen founded the renowned "Hizmet Movement", (named "Gulen Movement" afterwards). Gulen observes and teaches a hanafi version of Islam which derived from Sunni Muslim Scholar Syed Nursi's teaching. Gulen is actively participate in the public debate relating the future of Turkish State, and the modern world, he was a close ally of Tayyab Ardugan but after recent political / armed forces illegal invasion in Turkish Politics, Gulen is considerd a spy of US and thus settled in US.

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Sura E Rahman Ki Barakat

noreply@blogger.com (Umair Wasi) — Thu, 01 Sep 2016 07:19:00 +0000

Sura e Rahman ka ek Makhsoos Amal Baray, Jado, Jinnat aur Barkat

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Sura E Rahman Ki Barakat

noreply@blogger.com (Umair Wasi) — Thu, 01 Sep 2016 07:19:00 +0000

Sura e Rahman ka ek Makhsoos Amal Baray, Jado, Jinnat aur Barkat

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The Secret to Buy the Ideal Wedding Anniversary Present for Your Wife

noreply@blogger.com (Umair Wasi) — Thu, 11 Sep 2014 03:37:00 +0000

When trying to buy a best anniversary gift for a wife, most males spend the the greater part of their time and money obtaining the material gift and very little, if any, on the anniversary card. Some men even make the severe mistake of not having a greeting card at all. What husbands don't know is that the anniversary card is even more important than the gift.

This idea is very surprising to most men, partly due to the fact our brains are wired differently than women, and partly because of the frustrating commercial advertising that shows jewels and diamond necklaces as the ideal loving gifts for women (although most of those ads and firms are created and owned by men). There is definitely some fact to those ads. Most women of all ages do like diamonds and jewelry, but those are more suitable for birthdays and Christmas. For romantic holidays, particularly an anniversary, what moves women most when receiving a gift is actually the sentimentality and consideration that was put into the card. Without knowing to the average married man, when his wife is getting her anniversary gift she is actually unconsciously using the card as a way of measuring to determine how much he still understands her, or at the very least, how much attempt he is willing to put in to show it. A simple card with common words won't do much to recharge her love meter for the next year.

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Secrets to Fitness

noreply@blogger.com (Umair Wasi) — Wed, 18 Jun 2014 12:12:00 +0000

Imagine working your guts out to get rid of all of your weight, being at the most suitable weight point you have ever experienced, and then just gaining it all back! Terrible right? Consider it or not there is a bunch of people out there who have experienced this specific same issue. Not only that, but they lose all the weight, and then not only gain it back, but get back even more!

There feels to be a lot of misinterpretations when it comes to fitness. Here are some important factors to keeping yourself in shape:

Uniformity
Uniformity is possibly the greatest key to maintaining excess weight off and getting maximum health. A big misunderstanding is that once you reduce weight you can stop working out and continue to stay at the same weight. This is a wrong conception! Not merely will you obtain all your weight back, but you will gain back more than what you started with.

Human beings are intended to be active bodily every day. This does not indicate that you require to run a marathon every day or hike Mount Everest! In reality, that could be very harmful to your body. Blending up your workouts daily, no matter what the strength, is what will help achieve optimal health. Just ensure that you are doing something personally active every day, whether taking a walk.

Dietary Behavior
Nearly every exercise instructor in the world will tell you that this is the most important part of dropping weight. Practically 80% of weight loss are linked to proper diet. Keep in mind, you are what you eat. If you eat a bowl of biscuits, plan on looking like one. An appropriate diet, is a long term investment if you want to stay at your desired weight.

It is a different misunderstanding that this is the toughest part. When I refer to diet program, I’m not stating that you should eat salads every day. In reality, if you don’t engage every once in a while you are more likely to overeat and eat too much. Not only this, but if you are ingesting healthy there is a greater chance that you won’t desire your “used to be favorite” treats as often as you used to. If your body has all of the nourishment it needs, you won’t experience hunger as much.

Healing
Healing can be extremely important on the subject of long term weight loss. Getting lots of sleep and stretching time in is what will help you reach your objectives. The man's body is an amazing machine, throughout sleep it is basically hard at work repairing all of those muscles you’ve spent time working on. For example, if you are a weight lifter, healing time is key. If you don’t give your body time to heal you won’t build muscle.

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A Few Practical Summertime Gardening Suggestions

noreply@blogger.com (Umair Wasi) — Mon, 02 Jun 2014 12:53:00 +0000

A well maintained home lawn

The summer season is an active time for home gardeners - some plants and flowers will grow quickly and some others will be more likely to die-off under the sizzling summer sun. With some plenty of water and caring, there is no cause why each plant shouldn't grow and prosper in the summer months. Extra water and environment friendly fertilizer is actually the essence of having a wonderful summer garden.

Here are a couple of extra gardening ideas to guide you for maximum benefit from your garden this summer.

Proper Care of Your Garden

It can be a tiny appealing to over water your lawn throughout the summer months, it's true that you wouldn't think it feasible, but a lawn only actually needs two - three inches of normal water in a week.

-Watering your lawn very early in the morning will cut down the amount of water which is lost due to the fact of evaporation.

-You want to cure your lawn every 4 or 6 weeks with some lawn food - the slow release foodstuff is the most effective option.

Don't ignore to trim your lawn frequently. You should mow the lawn every time it has grown all over a half an inch to an inch for the best outcomes.

Flower Care

Flower beds require to have a lot of natural thick mulch to help them keep as much wetness as possible.

-Give your flower beds, a lot of water - the ground should be always wet but never saturated.

-Your flower beds will also want to be fertilized fairly per 3 to 4 weeks through the summer.

-Dead head flowers to enhance more blossom and new development - pinch back any stems which are getting leggy.

-You may need to water newly rooted flowers more than once per day until finally they become established and settled in the flower bed.

Take Care Your Trees

-Trees also need plenty of fertilizer to motivate fast growth during the summer, particularly acid fruit trees (lemon or lime), deciduous fruit trees and desert trees.

-When you water these trees ensure that that they have plenty of water to around 3 inches of depth.

-If you want to plant any citrus, fruit or desert trees now is a excellent time to do it.

Pests Control

The plants may be grateful to see the summertime, but it is also the time when you have to be more vigilant against diseases and insects.

-Keep an eye on your trees and plants for the foliage which suddenly begins to wilt.

Summer is the time when most people can actually enjoy their garden and pursuing a few of these summer gardening guidelines will make sure that you have a wonderful garden to take pleasure in.

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How to Acquire Bank Loan- Part (2)

noreply@blogger.com (Umair Wasi) — Thu, 29 May 2014 07:00:00 +0000

**This article is a second part click here for the first part of this post

One of the most significant factors that you should know prior to acquiring a bank loan is your credit standing. This is one of the elements that the banks will take into consideration in advance of deciding on whether or not they are planning to give you a bank loan. If your credit rating is quite inadequate, then that will restrict your choices. You may still be capable to secure a loan, however you may have to pay out an increased interest rate or have other limitations put on the loan. You can go online to figure out what your credit history is and how to enhance it.

Ultimately, you will need to show the loan provider the totals of your earnings and all of your private assets. If you have a reasonable income and a large amount in your savings account, this will support to improve your credit value as a borrower. There are two types of loans to take into consideration, one is properly secured, and the other is unsecured. If you have a property or asset, this can be used as a guarantee and will give you a much better opportunity of receiving a personal secured loan. Usually speaking unsecured loans are more complicated to acquire and they may have more limitations and increased interest rates.

The reality is that numerous individuals who apply for financial loans miss the opportunity on a very essential element. They research prices for the ideal interest rate and the ideal term, but they don't succeed to consider into account the amount of the total cost of the loan is going to be upon finalization. This is a crucial reality to know when it comes to creating the best choice between loan providers. Yet again if you have a good credit status and have a high cash flow and some investments this will be an edge for you to obtain a personal bank loan that will help lower interest charge.

When you have completed your personal loan request the last step is to hang on and see if the bank permits your loan application. The moment they approved, you are now liable for the payback of your loan. If you have completed your analysis, you will be pleased to recognize that you have acquired the best rate possible. Now, was not all that additional hard work worth it?

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How to Acquire Bank Loan- Part (1)

noreply@blogger.com (Umair Wasi) — Mon, 26 May 2014 08:30:00 +0000

There may appear a time in your life when you and your loved ones are going to need a financial loan. It could possibly be for the acquire of a brand new home, a new car, or maybe to settle some of your credit card bills that you have outstanding. For many, acquiring a new bank loan is a difficult task. Where do you go to attain the funds that you want? There are numerous options in this complicated fiscal bank industry that is always changing. Thus, it will be valuable for you to understand how the loaning sector works in Pakistan and all over the world. The following is some of the details that will assist you to obtain the best financial loan and the best rates that you will.

The initial factor that you need to understand is that you will be investing a reasonable amount of time so as to examine the various loan companies. Credit companies are not all the same when it comes to offering a mortgage, loan or credit. Some financial institutions are more interested in business loans rather than personal loans. Hence, you need to figure out which companies are mainly involved with providing you with the type of loan that you will need.

For instance, if you are seeking to secure a personal loan from a company that has more desire in business loans, then you will be merely totally wasting your time. If you have a prior financial history with a specific bank, credit union, or private loan company, then that should be the first place that you begin. The purpose that you want to do this is because if you have had a previous connection with the loan provider, then it will make the whole loaning procedure a lot simpler for you.

There are many options for taking out a mortgage at a bank. These different choices can be beneficial to you because they may not include the strict terms that banks require. Some of those limitations may be the capability to settle your loan at any time. Some banks charge a penalty for this. If they do, then you may want to consider another institution.

This article is not yet finished, please keep in touch for further reading.

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Lakhani Presidency - Experience a Carefree Living!

noreply@blogger.com (Umair Wasi) — Wed, 02 Apr 2014 05:38:00 +0000

Lakhani Presidency imagines the substance of magnificent and modern day style of housing complex with preeminence of location, comforting design,

Lakhani Presidency

Lakhani Presidency imagines the substance of magnificent and modern day style of housing complex with preeminence of location, comforting design, structural enhancements, emphasis on security for a high class magnificent living.

The project arrays four gorgeous sky-high towers with 5-star features and services offering dream individual units with upper and lower penthouses with mini Pool at Eighteenth and Twenty-first storied architectural wonder.

The Project has following amenities;

* Reception Hall with I.T equipped Visitors’ Suite for corporate guests.
* Interior designing & decor by renowned professionals.
* Air-conditioning, Designer’s kitchens & wardrobes (Optional).
* Foolproof Mechanical and Electrical systems.
* Plumbing & Electrification for A.C. will be provided for each apartment.
* State-of-the-art clubhouse facility.
* Each block is facilitated with a branded passenger and cargo lift.
* Double basement car parking for each apartment, one space reserved.
* Leisure and Fun Facilities on ground level.
* Separate Fire Fighting System for every floor.
* Project’s own emergency Power Supply.
* Reverse Osmosis plant to ensure 24 hours water supply.
* Swimming Pool , Sauna , Gym and play area.

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Tamerlane's 609th Anniversary on Feb 18, 2014

noreply@blogger.com (Umair Wasi) — Sat, 22 Feb 2014 07:44:00 +0000

Amir Timur was a Turko-Mongol ruler of Barlas lineage. He conquered West, South and Central Asia and founded the Timurid dynasty. He was the grandfather of "Ulugh Beg", who ruled Central Asia from 1411 to 1449 and the great-great-great-grandfather of "Babur Beg"

Timur, Tarmashirin Khan, Emir Timur, Timur Beg Gurkhani (Persian: تیمور Timūr, Chagatai: Temür "iron"; 9 April 1336 – 18 February 1405), historically known as Tamerlane (Persian: تيمور لنگ Timūr(-e) Lang, "Timur the Lame"), Timur Khán was the son of Isán Bughá Khán, son of Davá, son of Barák Khán, son of Kará Isun, son of Mutukan, son of Chaghatái Khán, son of "Chingiz Khán", son of Yusukái, son of Birtán, son of Kabal, son of Tumana, son of Báisanghar, son of Kaidu, son of Dutumanin, son of Buká (as per Tarikih-e-Rashidi). Amir Timur was a Turko-Mongol ruler of Barlas lineage. He conquered West, South and Central Asia and founded the Timurid dynasty. He was the grandfather of "Ulugh Beg", who ruled Central Asia from 1411 to 1449 and the great-great-great-grandfather of "Babur Beg", founder of the Mughal Empire, which ruled parts of South Asia for around four centuries, from 1526 until 1857.

Timur envisioned the restoration of the Mongol Empire of "Genghis Khan" (The Great Khan or Khagan-e-Azam). As a means of legitimating his conquests, Timur relied on Islamic symbols and language, referring to himself as the Sword of Islam and patronizing educational and religious institutions. He converted nearly all the Borjigin leaders to Islam during his lifetime. His armies were inclusively multi-ethnic. During his lifetime Timur emerged as the most powerful ruler in the Muslim world after defeating the Mamluks of Egypt and Syria, the emerging Ottoman Empire and the declining Sultanate of Delhi.

Timur also decisively defeated the Christian Knights Hospitaller at Smyrna, styling himself a Ghazi. By the end of his reign Timur had also gained complete control over all the remnants of the Chagatai Khanate, Ilkhanate, Golden Horde and even attempted to restore the "Yuan" dynasty. Timur's armies were feared throughout Asia, Africa, and Europe, sizable parts of which were laid waste by his campaigns. Scholars estimate that his military campaigns caused the deaths of 17 million people, amounting to about 5% of the world population, leading to a predominantly barbaric legacy.

Timur is also recognized as a great patron of art and architecture, as he interacted with Muslim intellectuals such as Ibn Khaldun and Hafiz-i Abru.

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A tribute to Jhon Elia

noreply@blogger.com (Umair Wasi) — Wed, 18 Sep 2013 06:20:00 +0000

A marvelous poet of this era Jhon Elia below is a tribute of his outstanding poetry

Genghis Khan to Bahadur Shah Zafar

noreply@blogger.com (Umair Wasi) — Mon, 02 Sep 2013 13:18:00 +0000

This is a reflection from Wikipedia about the dynasty of Great Khans

This is a reflection from Wikipedia about the dynasty of Great Khans as because part of this dynasty I have to know all that history but yesterday in a wedding function someone ask me about the background of Temuri Family and because lack of knowledge I could not brief all that as I have to so I realize that it is my responsibility to have a background about my forefathers;

Genghis Khan                          (1162 AD – 1227 AD)
Ögedei Khan                                   (1186 AD – 1241 AD)
Möngke Khan                          (1209 AD – 1259 AD)
Kublai Khan                            (1215 AD – 1294 AD)
Hulagu Khan                            (1218 AD _ 1265 AD)
Ariq Böke                                (1219 AD – 1266 AD)
Timur                                      (1336 AD – 1405 AD)
Mirza Miran Shah Beg             (1366 AD – 1408 AD)
Ulugh Beg                            (1394 AD – 1449 AD)
Abū Saʿīd Mirza                       (1424 AD – 1469 AD)
Umar Shaikh Mirza II             (1469 AD _ 1492 AD)

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Pakistan Have Won the Asia Cup

noreply@blogger.com (Umair Wasi) — Thu, 22 Mar 2012 16:23:00 +0000

Well done Pakistan Cricket Team for its best efforts & taking Asia Cup to home

After a tough contest Pakistan has beaten the Bangali Tigers and won the Asia Cup, Pakistan have won any title after a long period. We congratulate the Pakistani team, staff, management and all the nation for having Asia Cup.

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Pakistan Cricket Team Gets New Amir & Saeed

noreply@blogger.com (Umair Wasi) — Sun, 18 Mar 2012 10:49:00 +0000

Good start has been showed by two young Pakistani opening batsman against India, Pakistan Cricket team is in good postition

Nasir Jameshed and Abdul Hafeez give Pakistani team a good opening stand and Pakistan looks in a firm position against India, however both openers have gone after making their tremendous centuries but both players have played well inning.

It is looking that Pakistani team has now resolved opening issue and it gets new Amir Sohail and Saeed Anwer, anyways best of luck for Pakistani team we hope that Asia Cup will be won by Pakistan.

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Maya Khan You Have Won We Love You

noreply@blogger.com (Umair Wasi) — Mon, 27 Feb 2012 17:22:00 +0000

The most popular morning show's host Maya Khan was under discussions from previous many weeks, her program has been banned after a show broadcasted by her on morning show.

Kamran Shahid has invited Morning Show Host Maya Khan today at his tv show Front Line with Shahid, Maya Khan who was under discussions and covered by electronic media (mostly internet), the self-styled civil society has been fingering on Maya from previous many weeks but its time of Maya who proved again that she has no matched.

Maya Khan presented a video in dvd form to Shahid and answered everything that has been questioned from here from many days she was targeted by several social circles, even the households are not separated from the Maya's issue. The issue that would understandable by the NGO backed societies that are well qualified and spending there lives on donations received from various US and European countries that want the same society and culture in Pakistan. Maya's Sin is that she is trying to point out some garbage type habits that are form part of our society, like dating of young un-married couples that are strongly prohibited by the Islamic Society, the way these habits are indulging in our society will soon abrupt our culture and our young generation.

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Loving Day the Valentines is it Our Culture | Valentines Special

noreply@blogger.com (Umair Wasi) — Tue, 14 Feb 2012 18:33:00 +0000

Pakistan's social culture are changing day by day because of media influence, presenting special tv shows on Valentines Day is not our culture

Pakistan's social culture has an bad impact after the media revolution took place 10 year before these impacts on dressing, living and special events celebration, fashion designers took place of tailors (a famous Pakistani brand have an advertising quote that no tailor can give you the designer look), old square shape houses took into place by new eye catching exterior and interior designs and new special events day has been inducted in our social culture without any hesitation one of them is the 14 Feb aka Valentines Day.

Today evening when I come out of my Office after 6:00 PM I have seen many guys and gals doing promising with each other for living there whole life together. I was thinking for a while that is it necessary to follow culture of others? We have a vast & fertile culture of our own, we have our own values then why we are following all these rubbish that have no means.

I am not a mullah type person but sorry to say that our young generation is going on a wrong side by following all these piffle and if parents are not guide there children to avoid these type of habits then future of this generation will not be safe.

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Nice Cold Winter Nights in Karachi

noreply@blogger.com (Umair Wasi) — Mon, 06 Feb 2012 16:58:00 +0000

The winter nights in Karachi are mostly spends with friends sitting either hotels or walking at streets, many youngster coming back to home either from office or educational study (from coaching classes or Institutes) gather in night after dinner and enjoy with there friend till mid of the night, an average social young guy must spend at least 2 hours and return to home with a fresh mind. A usual drink for this gathering is tea mostly and occasionally coffee with cigarette.

Each guy have a packet of the brand that he like and having chat in which they cover all topic from education to sports and economy to current affairs, everyone share his own opinion and then go to there home happily after having rich discussions.