.With the increasing levels of Smog in Lahore, the air quality and climate of the city have worsened. This is causing not only poor visibility but brings serious health complications with itself. The harmful particles of smog sway lives causing road accidents and aggravations in flight, causing serious health issues. Research shows that air can be twice to five times more unsafe inside than open air.

The pollutants cause aggravation in the nasal section which can prompt different respiratory contaminations and conditions. Any individual who is as of now under medicine for respiratory diseases like asthma, COPD and so forth can suffer more in such circumstances. In the event that the symptoms deteriorate, causing trouble in breathing, seek for professional medical help immediately.

Remaining indoors does not mean you are protected, so here are some useful tips to ensure your house is protected from smog and pollution:

Deep clean your house

Cautious house cleaning can be a basic method for taking out potential foreign substances or sensitivity causing particles. Rather than vacuum-cleaning, you should utilize a wet mop to ward off the disinfectant from the floor. A moist towel will effectively get contaminations as opposed to delivering them into the air once more. Make sure you wash the exits and deck well from outside. In the event that you wash, don’t forget to wear masks. Cover bedding or cleaning with dust-proof covers if needed.

Eliminate carpets and rugs

Eliminate wall carpeting and cushioning as allergens are attracted to mats or woven artworks. The toxins will return into the air when you venture along the tapestries. Similarly, drop hard sheets and pick lightweight, dust-free machine launderable sheets. Before you enter home make sure to remove your shoes as the footwear contain poisons, for example, coal tar, debris smoke, contagious spores, synthetic pollutants, and so on. Put an extra mat near the main entrance.

Add greenery inside

Keep away from using synthetic aromas and add more plants indoors. As per a review led by the National Aeronautics and Space Administration (NASA) researchers, houseplants are regular air purifiers that purge and revive the air. It is prescribed to keep something like one indoor plant for each 100 square feet of the house to accomplish proficient air cleaning. Some easily found plants which are known to eliminate poisons are Aloe Vera, Peace Lily, Spider Plant, Snake Plant, and so forth.

Increase ventilation

Ventilate the kitchen by introducing exhaust fans as cooking fumes can increment indoor contamination levels and influence health. Extreme dampness can worsen air quality as well. Make comparative arrangement in the restrooms. Clean air conditioners routinely and fix leaks whenever you take notice. Invest in some good quality air purifiers to further improve indoor air quality.

Restrict outdoor activities

To be saved from smog and air contamination, keep your outdoor activities restricted particularly late evenings and nights.

Confine your children inside the house since kids are more inclined to be impacted by the harmful pollutants of smog. Also take extra cautionary measures for pregnant ladies, elderly and those suffering from respiratory issues. Take a stab at combining your chores to avoid frequent outside trips. Evenings are the most preferable times to leave the house in winter since toxins are moderately lower in intensity.

Let us find you a house on eco-friendly society where you can live with good environment and a healthy Lifestyle

 

Being a property manager can be tough, particularly when you’re beginning. From finding and screening tenants, making and following a contract, we will assist with directing you through all the significant landowner tasks.

1. Rental property as a business

You may not see dealing and managing your rental property as your primary task; however, it is still a great business and a source of good income. Maintaining a professional attitude with your tenants, keeping your finances intact and performing thorough tenant screening before the occupants arrive is very important.

To ensure a good business and positive reputation, you need to make sure that your business follows all the important federal, state and local laws. Take your time with research and understanding the terms and conditions.

This also implies forestalling issues before they occur. Keep maintaining your house or unit instead of waiting for problems to pile up.

Check all the utilities and have a plumber, contractor and locksmith on call.

 

2. Create an online rental listing

Promote your rental listing on most visited online sites as majority of people search online for rental units. Provide the important information that the tenants need of your rental property such as the rent price, the location, number of rooms and restrooms, conveniences, and close by attractions—the more enlightening the posting, the better. Post clear photos of each room and normal space, as occupants will probably be more intrigued assuming they can easily visualize the space.

 

3. Invest in a good property manager

If you don’t live close to your property or don’t have the time and resources to commit to the task of managing your rental, hiring a professional property manager can be a good idea. You will have peace-of-mind knowing that your property is being handled professionally and in a timely manner. But before finalizing make sure to screen properly and ask for local references or interview a few people.

 

4. Set a good rent price

As the rent price will be your main source of income from your rental property, it is important to consider all the factors before giving out a final price. Know the current prices in your neighborhood. Also, the location and maintenance of your unit plays a major role. Listing and keeping check of your fixed and estimated expenses will help you compare your rental income with your rental expenses.

 

5. Keep a written rental agreement

Oral agreements, however legal in some instances, are not only less effective than a written document but also risky. A written document signed by both parties is the best way to communicate your expectations and keep a record for future in case something happens. Clearly convey all your requirements and expectations through this document such as if you want noise restriction in the house, who will pay for the breakage of things, and all that you consider necessary.

Many people need loans for financing their business. For this purpose, they often seek the help of banks. However, most people are reluctant to do so as mostly banks take interests on loans, which is the permanent means of income for banks. Due to religious purposes, seeking an interest free loan is nearly impossible in Pakistan but we are here to answer all your questions.

A few Islamic banks in Pakistan claim to provide interest free loans, however, with higher interest rates it takes forever for people to pay the price back to banks in the form of land, house or property.

Here are a few foundations and initiatives in Pakistan from where you can get interest free loans.

1.Al-Khidmat Foundation Mawakhat program

With the rate that unemployment is increasing each year, it can prompt a dangerous increase in poverty and can influence the country’s economy also. Understanding this need, Al-khidmat foundation has introduced the ‘Makhwat Program’, which offers loans to individuals who need to start their business. In Pakistan, individuals have talent, abilities, and motivation. They simply just need backing and money to go into business. This is what ‘Al-Khidmat foundation’ does.

With the primary goal to provide interest-free loans to the destitute and poor, it enables individuals to be strong and financially independent, maintaining he Islamic rules of banking.

It has two types of schemes:

1. Home-based schooling

This scheme provides interest-free loans under home-based schooling. By spending 1,542,500 rupees, this scheme has already helped 50 families in karachi with low-income individuals.

 

2. Mobile vocational trainer

Understanding the importance of skills, Al-khidmat foundation helps people obtain those skills.

 

2.Akhuwat Islamic MicroFinance (AIM)

Promoting social justice and brotherhood, Akhuwat Islamic MicroFinance is a company that provides interest-free microfinance to the underprivileged, lower-class members of society.

Eligibility criteria

The applicant:

• Must have valid CNIC number
• Can maintain a business at the initial stage
• Should be 18-62 years in age
• Should not have any criminal record
• Must have a good social and moral character

The candidate needs two guarantors other than a family member/relative for this loan.

Two types of loans come under Akhuwat MicroFinance:

Group Lending

Three or six members partake in group lending. All individuals from the group give an assurance and credentials to one another. Group members solve their social and financial problems through decision-making. Individuals shouldn’t be relatives; however, they can be living close-by.

Individual Lending

Individual Lending is for members who fulfil the eligibility criteria and then can apply for interest-free loans. The member will need to provide 2 guarantors to get loans.

The two guarantors guarantee that this individual will pay the loan on time. In case of group lending, members give a guarantee of each other.

3.IFC business finance

IFC is an individual from the World Bank Group. Its main goal is to eliminate poverty from society by giving freedoms to individuals to work on their lives. IFC addresses difficulties that influence private sector improvement; it centers around giving finance to small and medium ventures. IFC joined forces with financial institutions to work with SMEs and stimulate economic growth inside the country. In 2009, IFC made collaboration with HBL to create jobs.

By providing services in both English and Urdu, IFC has successfully increased its small business customers to more than 80,000 new customers.

It has prepared 4400 business entrepreneurs. The association has made dispute resolution centers in Karachi. It permits and assists the smaller endeavor with settling their problem without going to court. An incredible example of IFC is to work with HBL.

4.Dubai Islamic Business Finance

Dubai Islamic Business Finance is completely based on sharia’s rules and regulations. DIBPL enters Shirkatul Melk’s relation with its customers. It purchases a share of your residence. In this way, it leases your undivided share in the property against monthly rental. It fulfills all sharia manners.

It is the only type of product available that follows Islamic standards. It gives 500,000 to 20 million financing sums and has a quick application processing time. This plan offers 70% of your property benefit. Tenor rescheduling choice is also available. Terms and conditions, however, may apply to get the loan.

Eligibility criteria:

The applicant must be Pakistani with age between 26-40.

The property’s minimum value must be 2000,000 and it should be located in Karachi, Lahore, Islamabad, Rawalpindi, Faisalabad, Multan, Bahawalpur, Sialkot, Gujranwala, Hyderabad and Peshawar.

5.Prime Minister Youth Loan Scheme

In an era of skilled, innovative and motivated youth, PM has started the Prime Minister Youth Business loan with the aim to offer loans to unemployed youth to help make them financially independent. Providing better employment opportunities, this scheme will play a vital role in growing the economy.

Terms and conditions apply

• Mark-up 6% per annum
• The maximum loan size will be 2 million
• The application fee is Rs. 100
• Tenure will be 8 years maximum

Requirements of the Scheme

The following are the requirements of the scheme that an applicant must fulfill.

• Applicants must be of age between 21 and 45.
• The applicant should be Pakistani with a valid CNIC.
• An applicant with a new startup will show relevant technical skills/educational degrees.
• A person who has an existing business will show involvement in the industry and genuine business concern.
• The loan amount should be equal to or the same as the life insurance of the applicant.
• The guarantor should have 1.5 times more net worth than the requested income. He should be a government employee for the remaining service of 8 years.
• The applicant can provide more than three guarantors.

Inauguration of Property Verification Center (PVC) in Islamabad for real estate fraud

DC Islamabad, Mr Hamza Shafqaat, dispatched Pakistan’s first state of the art online property verification Center (PVC). The capital organization on Wednesday began property confirmation to counter land-related fraud in the city, which took place at Facilitation Centre in the DC Office.

PVC is a joint venture of the capital administration and CDA, and a gateway has been made having records of land and housing societies of the CDA and the capital organization. People are also requested to utilize the CityApp dispatched by the organization.

According to the DC, overseas Pakistanis and residents in other parts of the country are the main victims of such land frauds in the capital, adding that greater part of these societies had either been announced unlawful or didn’t fall in the locale of Islamabad.

Ghouri Town is the greatest land/lodging fraud throughout the entire existence of the capital, the DC said, adding that it was illegal and the CDA had already mentioned it on its site yet individuals actually purchased land there.

Scores of illegal societies’ workplaces had been set up outside the capital to avoid legal action against them, he said, adding that Section 144 of the CrPC had been introduced in Islamabad concerning such societies.

In a bid to guarantee clarity in the real estate sector, the locale organization has disclosed the absolute first PVC, which will help individuals in putting resources into land undertakings and housing schemes that had been confirmed by the DC Office and pronounced legal according to the laws of the country.

Scores of illegal societies’ workplaces had been set up outside the capital to avoid legal action against them, he said, adding that Section 144 of the CrPC had been introduced in Islamabad concerning such societies.

In a bid to guarantee clarity in the real estate sector, the locale organization has disclosed the absolute first PVC, which will help individuals in putting resources into land undertakings and housing schemes that had been confirmed by the DC Office and pronounced legal according to the laws of the country.

Saudi Arabia to allow direct flights from Pakistan, says Federal Minister

As per reports in the media, Saudi specialists have chosen to lift the restriction on departures from six nations — Pakistan, India, Indonesia, Egypt, Brazil and Vietnam — and travelers from these nations will not be required to go through a 14-day quarantine in a third country.

 

Federal Minister Fawad Chaudhry, in a tweet, wrote that Saudi Arabia will allow direct flights from Pakistan, starting from 1^st December.

Saudi Arabia had imposed temporary restrictions on travel from the six nations who had not received two doses of Covid-19 vaccines in the realm.

A mandate, given by the Saudi Arabian General Authority of Civil Aviation to all airlines working in the realm’s air terminals, said: “Permitting direct entry to the kingdom from the Republic of Indonesia, Islamic Republic of Pakis­tan, Federal Republic of Brazil, Socialist Republic of Vietnam, Arab Republic of Egypt, (and) India, without the need to remain 14 days outside these nations prior to entering the realm.

5 Days Quarantine

“Institutional quarantine strategies should be applied for a time of 5 days, paying little mind to passengers’ vaccination status outside the realm, with the proceeded application of exemptions given in regards to certain groups in this matter…”

A representative for PIA said anybody keen on going to the realm should contact the airline for a ticket.

Unique business ideas you can start from home

 

Who does not want to earn and not wait for their pocket money to buy what they need? Living in an internet world with unlimited resources and opportunities, earning is not difficult now in the 21^st century.

While in international countries, youngsters start earning early in their teens with unique ideas, in a country like Pakistan, however, teenagers opt for the typical ways of earning that requires zero investment.

But now in an era of entrepreneurship and online businesses, there are a lot of creative and unique ideas that you can use to earn money.

There is no limit to talent in Pakistan but the lack of exposure to utilize their talent in the right way.

Here are a few ideas that might help you:

1. Online Thrift Stores

A new, yet fastest growing business idea is an online thrift store. People are buying items such as clothes, shoes, accessories, in bulk from their local thrift shops and selling them online mostly through Instagram. The customers mostly prefer them buying online from the comfort of their homes rather than going to the shop themselves, be it in prices double than the original.

There is also a new startup where you can upload the items you want to sell from your own closet and the interested customers will contact you.

 

2. Customized digital portraits

Art has always been admired and if you have a talent why let it waste? Customized digital portraits are attracting a large number of audience. People are using it in their wedding invites or just to gift it to a loved one.

Just make your page on Instagram now and start posting attractive content. Don’t forget to use the correct hashtags so it reaches maximum people.

3. Earn from gaming

Another unique idea that will give you great money in the long run, will be investing in a good gaming rig. Then begin streaming but be consistent and patient. If you plan on taking it further, you can earn an insane amount of money from gaming. Moreover, you will be in control and people will come to see you playing video games once you start marketing yourself.

 

4. Reselling Sneakers

In case you are a sneaker head and still not mindful of the sneaker business then you are on the losing side. Since in Pakistan shoe business is booming and individuals are contributing a huge number of rupees to get their hands on elite ones.

Moreover, people are finding the best picks from their local thrift stores and selling them with profit online.

In Pakistan, if you want to start a sneaker resale business, start with a low-profile. You don’t need to have the limited edition ones even at the start. But try not to go with the copied ones, since that’s illegal and also not worth it.