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IMF Approves $3 Billion Bailout Program to Support Pakistan's Economic Stabilization

Khashif Sarfraz
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The International Monetary Fund’s board has granted approval for a $3 billion bailout program to support Pakistan’s ailing economy. This decision comes following a staff-level agreement reached between Pakistan and the IMF last month, ensuring crucial funding for the cash-starved nation.

The approved bailout program includes a 9-month Stand-By Arrangement (SBA) of SDR2,250 million (equivalent to around $3 billion or 111 percent of quota). The immediate disbursement of approximately $1.2 billion will provide essential assistance to stabilize the economy and support the government’s economic stabilization program.

Pakistan currently faces a challenging economic juncture. It is characterized by a difficult external environment, devastating floods, and policy missteps. Additionally, these factors have resulted in significant fiscal and external deficits, rising inflation, and depleted reserve buffers in the fiscal year 2023.

The nine-month SBA serves as a short-term lifeline for Pakistan’s economy, which has been on the verge of default. After eight months of tough negotiations focused on fiscal discipline, this financial assistance is crucial to address the country’s balance of payments crisis and improve its economic stability.

Pakistan and IMF Reach $3 Billion Stand-By Arrangement: A Lifeline for Economic Stability

The IMF board’s approval is expected to unlock additional bilateral and multilateral external financing for Pakistan, providing further support to alleviate the financial strain. Recent developments, including Beijing rolling over $5 billion of Pakistan’s loan, Saudi Arabia’s $2 billion deposit, and the UAE’s $1 billion deposit, have also contributed to averting a debt default.

The positive outcome of the IMF bailout program has instilled confidence among investors. As a result, Fitch credit rating agency upgraded Pakistan’s sovereign rating to CCC, showcasing the growing faith in the country’s financial stability. This significant development has provided much-needed relief and optimism for investors in the country’s stocks and bonds.

The approved bailout program reflects a collective effort to address Pakistan’s economic challenges, stabilize its financial situation, and pave the way for sustainable growth in the future.

Pakistan International Airlines Receives Final Warning from Riyadh Airport Authority for Non-Payment of Dues

Khashif Sarfraz
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The Riyadh Airport Authority (RAA) has issued a final warning to Pakistan International Airlines (PIA) regarding non-payment of dues. PIA has until July 15 to settle an outstanding amount of 8.2 million riyals owed to the RAA. Failure to meet the deadline could result in disruptions to PIA’s winter flight schedule. Additionally, the airline has been warned for non-payment of liabilities by the Jeddah Airport, further exacerbating its financial challenges.

Financial Difficulties and Payment Deadline:

PIA, already facing financial difficulties, now confronts a critical deadline to pay its outstanding dues to the RAA. The non-payment of dues to both Riyadh and Jeddah airports adds to the financial challenges the airline is currently grappling with. The RAA’s warning serves as a reminder of the urgency for PIA to address its financial obligations promptly.

Efforts to Resolve the Issue:

A spokesperson for PIA acknowledged the reminder of dues issued by the RAA and assured that the airline is actively working towards making the necessary payment. PIA remains hopeful of resolving the issue promptly, aiming to prevent any further disruptions to its operations.

Impact on Flight Schedule and Setback for the Pakistani Government:

Should PIA fail to meet the payment deadline, its winter flight schedule could be adversely affected. This situation poses a setback for the Pakistani government, which has been endeavoring to revive the national carrier. Despite injecting billions of rupees into the airline over the years, the government has not yet succeeded in turning around PIA’s financial fortunes.

Analyzing Pakistan International Airlines (PIA)’s Financial Challenges and Restructuring Options

Challenges and the Need for Financial Improvement:

The warning from the RAA highlights the numerous challenges faced by PIA. The airline must find a way to improve its financial performance to secure its future. Non-payment of dues not only jeopardizes its flight operations but also underscores the wider financial difficulties that PIA has been contending with for several years. Sustained efforts are essential for PIA to enhance its financial standing and ensure its survival in the highly competitive aviation industry.

Conclusion:

In short, Pakistan International Airlines has received a final warning from the Riyadh Airport Authority for non-payment of dues, setting a crucial deadline for the airline. Failure to meet the payment deadline could disrupt PIA’s winter flight schedule, compounding its existing financial challenges. As the Pakistani government continues its efforts to revive the national carrier, PIA must find a viable path towards improving its financial performance to secure its future. Addressing the outstanding dues and implementing effective financial strategies are paramount for PIA’s survival and long-term success.

Via Samaa News English

Global Twitter Outage Causes Frustration Among Users, Company Remains Silent

Khashif Sarfraz
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Twitter Faces Worldwide Outage: Users Left in the Dark

Reports have emerged of a global outage on Twitter, with users from various parts of the world experiencing difficulties accessing the platform. Despite a surge of complaints flooding Downdetector, a website that tracks online service outages, Twitter has not issued an official statement regarding the issue.

Access Issues and Inability to Publish New Tweets:

As per the registered complaints, users can open their Twitter profiles, but no new tweets appear on their profiles, nor can they publish any. The outage has resulted in users being unable to access their feeds and engage with others on the platform. The frustration has been mounting as users rely on Twitter for various purposes, including communication, news updates, and social interactions.

Extended Duration and Widespread Impact:

The Twitter outage lasted for several hours, causing confusion among users who depend on the platform for their daily online activities. Reports flooded Downdetector, indicating that the service was inaccessible across numerous devices and geographic regions. The global impact of the outage further intensified the frustration experienced by Twitter users.

Twitter Threatens Legal Action Against Meta’s Threads Platform

Lack of Official Statement:

Despite the widespread reports and user complaints, Twitter has not issued an official statement addressing the problem or confirming if it has been resolved. The absence of communication from the company has left users in the dark, unsure of the cause and duration of the outage. This lack of transparency has added to the frustrations and concerns of those affected.

Mixed User Experiences:

While some users have reported that their Twitter accounts returned to normal functionality after a brief outage, others continue to face issues with accessing their accounts and using the platform. The inconsistency in user experiences suggests that the problem may not have been completely resolved for everyone. This has further fueled the need for an official statement from Twitter to provide clarity and assurance to its user base.

Conclusion:

In Short, Twitter’s worldwide outage has caused significant disruption and frustration among users, who have been unable to access their feeds, publish new tweets, and engage with others on the platform. Despite numerous complaints and reports on Downdetector, Twitter has remained silent, failing to provide an official statement regarding the issue. Users are left in a state of confusion, unsure of the cause and duration of the outage, while some continue to experience access problems. As Twitter users await resolution, an official statement from the company would help alleviate concerns and provide transparency regarding the situation.

Pakistan to Receive $1 Billion Deposit from UAE, Prime Minister Optimistic About IMF Bailout

Khashif Sarfraz
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During his address at the Pharma Export Summit and Awards (PESA-2023) in Islamabad, Prime Minister Shehbaz Sharif revealed that Pakistan is set to receive a $1 billion deposit from the United Arab Emirates (UAE) within the next couple of days. He also expressed confidence that the International Monetary Fund’s (IMF) Executive Board would approve a new $3 billion bailout facility during the upcoming vote. The prime minister credited Chief of Army Staff Asim Munir for the $2 billion deposit from the Kingdom of Saudi Arabia (KSA), emphasizing his unwavering efforts in facilitating the financial support.

UAE Deposit Strengthens Pakistan’s Financial Position:

The anticipated $1 billion deposit from the UAE aligns with developments that took place in April, when the UAE confirmed its financial support for Pakistan. This commitment was a crucial prerequisite set by the IMF before agreeing to a bailout, aiming to address Pakistan’s acute balance of payments crisis. The deposit is expected to be transferred to the State Bank of Pakistan (SBP) in the coming days once the IMF approves the release of funds in today’s vote.

Optimism Surrounding IMF Bailout Approval:

Prime Minister Shehbaz Sharif expressed his optimism regarding the approval of a new $3 billion bailout facility by the IMF’s Executive Board. The facility is designed to assist Pakistan in managing its economic challenges and stabilizing its financial situation. The prime minister’s hopeful remarks signify the government’s confidence in the ongoing negotiations with the IMF and the potential positive impact on Pakistan’s economy.

Gain of Pakistani Rupee against US Dollar and IMF Program

Acknowledging Chief of Army Staff’s Contribution:

Shehbaz Sharif acknowledged Chief of Army Staff Asim Munir’s significant role in securing the $2 billion deposit from Saudi Arabia. He praised Munir’s relentless efforts, emphasizing that the deposit was made possible due to his unwavering dedication. This deposit has provided valuable support to Pakistan’s financial stability and demonstrates the country’s strong relationships with its allies.

Conclusion:

Prime Minister Shehbaz Sharif’s announcement of a $1 billion deposit from the UAE brings renewed hope for Pakistan’s financial position. The expected deposit, along with the earlier contribution from Saudi Arabia, is anticipated to alleviate Pakistan’s balance of payments crisis. The prime minister’s optimism regarding the IMF’s approval of the $3 billion bailout facility reflects the government’s determination to address economic challenges and stabilize the country’s financial landscape. These developments signal positive progress and reaffirm the commitment of Pakistan’s allies to support its economic growth and stability.

Google Doodle Celebrates Gol Gappay: Exploring South Asia's Beloved Street Food

Khashif Sarfraz
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Google Doodle Pays Homage to South Asia’s Most Popular Street Food, Gol Gappay

In a delightful tribute to South Asia’s culinary heritage, Google Doodle recently featured an interactive game celebrating gol gappay, also known as pani puri, gol gappe, or puchkas/fuchkas, depending on the region. This small, crispy shell filled with a tantalizing blend of chopped potatoes, spices, chickpeas, and sauces, accompanied by a savory tamarind water, has long been a beloved street food across the Indian subcontinent. The doodle not only captured the attention of millions but also reignited cravings for this delectable snack worldwide.

Exploring Regional Variations: Pani Puri, Gol Gappe, Puchkas, and More!

The interactive Google Doodle proved to be an excellent platform for educating users about the various regional variations of gol gappay. While it is widely known as pani puri in Maharashtra and Andhra Pradesh, the name changes to gol gappe or gol gappa in Punjab, Jammu and Kashmir, and New Delhi. The people of Jharkhand, Bihar, and West Bengal refer to this mouthwatering snack as puchkas or fuchkas and often incorporate tamarind pulp as a key ingredient, imparting a tangy twist to the flavor.

A Burst of Flavors: The Essence of Gol Gappay

What makes gol gappay truly special is the explosion of flavors that burst with every bite. The combination of crispy shells, filled with a medley of ingredients such as diced potatoes, fragrant spices, chickpeas, and a variety of tangy and spicy sauces, creates a symphony of tastes that dance on the palate. It’s no wonder that gol gappay has garnered a loyal fan base across South Asia and beyond.

Google Doodle Inspires Culinary Exploration

By showcasing the diverse flavors and forms of gol gappay, Google Doodle sparked a renewed interest in this beloved street food. It introduced people to the rich tapestry of South Asian cuisine and highlighted the regional variations that make each bite a unique experience. From the tangy tamarind water-filled gol gappe of Delhi to the tamarind-infused puchkas of West Bengal, the doodle celebrated the culinary diversity of the subcontinent.

The Unforgettable Record: Indore’s 51 Flavors of Gol Gappay

Interestingly, the same day Google Doodle celebrated gol gappay, a restaurant in Indore, Madhya Pradesh, made headlines by setting a world record in 2015. This renowned eatery offered an astounding 51 flavors of gol gappe, showcasing the infinite possibilities and creativity that can be explored with this beloved street food.

Conclusion:

In Short, Google Doodle’s homage to gol gappay (pani puri, gol gappe, puchkas) through an interactive game not only entertained users but also shed light on the rich culinary heritage of South Asia. This popular street food, with its crispy shell and diverse fillings, continues to captivate taste buds around the world. Whether you call it pani puri, gol gappe, or puchkas, one thing is certain—gol gappay’s flavorsome journey has only just begun, enticing food enthusiasts with its irresistible charm.

Pakistani Tekken Players Secure Incredible Victory in Gamers8 Nation Cup

Khashif Sarfraz
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The Tekken 7 competitive scene continues to thrive, even after nearly a decade since its release. In recent years, players from Pakistan have risen to prominence, making a significant impact in the Tekken 7 competitive landscape.

With victories in prestigious tournaments like EVO, Combo Breaker, and Tekken World Tour finals, Pakistani players have consistently showcased their exceptional skills and talent in Tekken 7.

The latest major achievement for Pakistani Tekken players comes in the form of their victory in the Gamers8 Nation Cup. Representing Pakistan in this highly competitive tournament were professional Tekken players Atif Butt, Khan, and Arslan Ash.

The Gamers8 Nation Cup brought together countries like Japan and Korea, featuring some of the best Tekken players in the world, including renowned names like Knee, Ulsan, Chikurin, and Nobi. This ensured an intense and thrilling competition with unexpected outcomes.

After a stellar performance throughout the tournament, team Pakistan emerged victorious, securing a spot in the Grand Finals. The Pakistani players had showcased their skills and strategy, establishing themselves as strong contenders for the championship title.

In the Grand Finals, the team faced formidable opponents from Korea, who were known for their exceptional gameplay. However, the Pakistani players demonstrated their determination, resilience, and superior gameplay, ultimately defeating the Korean team to secure a memorable victory.

This triumph not only showcases the exceptional talent of Pakistani Tekken players but also highlights the growth and strength of the Tekken community in Pakistan. It is a testament to the country’s rising prominence in the competitive gaming world.

The victory in the Gamers8 Nation Cup is a significant milestone for Pakistani Tekken players and reinforces their position as a force to be reckoned with in the global Tekken 7 competitive scene.

Pakistani Rupee could Drop to as low as 350 against US Dollar

Khashif Sarfraz
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The future of the Pakistani Rupee (PKR) against the US Dollar has been the subject of much discussion and analysis among financial experts. Projections indicate a potential depreciation of the PKR in the coming months and years.

Analysts at Trading Economics forecast the PKR to drop to 293.52 against the US Dollar by the end of September 2023, with a further decline to as low as 317.29 by June 2024. Similarly, the Ministry of Energy (Power Division) projects the PKR to touch 325 against the USD by the end of the current fiscal year.

Bank of America (BoFA) Securities has also expressed concerns regarding the PKR’s future. Their report suggests that debt, high inflation, and an increasing central bank policy rate could push the rupee to as low as 340 against the US Dollar by June 2024. The report highlights the impact of heavy domestic borrowing and predicts that the local currency may depreciate by up to 25 percent.

Furthermore, inflation is expected to remain strong over the next few years, with estimates reaching 26 percent in the financial year 2023-24. BoFA also anticipates an increase in the State Bank of Pakistan’s key policy rate to 25 percent, up from the current level of 22 percent.

Despite these projections, the report acknowledges the government’s optimism surrounding the new IMF lending program. The program aims to address Pakistan’s liquidity crunch in external and domestic debt servicing. However, traditional strategies to maintain financial stability are becoming constrained, and authorities may need to consider bilateral debt reprofiling and commercial debt restructuring beyond FY2024/2025.

The Budget FY24 reveals the significant burden of debt servicing costs, amounting to $25.6 billion (Rs. 7.3 trillion), which constitutes half of the total budget expenditure and 80 percent of the expected tax revenue for the fiscal year.

While the upcoming elections may offer some support for policy reforms and market trends, the long-term stability and performance of the PKR against the US Dollar remain subject to various economic factors.

How-to Make Passive Income in Pakistan 2023 (20+ Methods)

Khashif Sarfraz
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0

Introduction:

In today’s fast-paced world, many individuals strive to achieve financial independence and break free from the traditional 9-to-5 grind. One popular approach to achieving this is by generating passive income. In this comprehensive guide, we will delve into the concept of passive income, explore its benefits, and discuss over 20 methods that can help you earn money effortlessly.

What is Passive Income?

Passive income is a term that has gained popularity in the realm of personal finance and wealth creation. It refers to earning money consistently and effortlessly with minimal active involvement. Unlike traditional employment, where you trade time for money, passive income allows you to generate income even while you sleep. Let’s dive deeper into what passive income is and how it can help you achieve financial freedom.

Passive income is income that is earned on a regular basis with little to no direct effort. It is derived from sources that require initial investment, time, or effort upfront but continue to generate income over time. The key characteristic of passive income is that it does not require constant active involvement to maintain the flow of earnings.

Benefits of Passive Income:

  1. Financial Independence: Passive income allows you to achieve financial independence by generating income that covers your expenses without the need for traditional employment.
  2. Time Freedom: By creating passive income streams, you can have more control over your time and choose how you spend it.
  3. Wealth Creation: Passive income has the potential to build wealth over time as you diversify your income streams and increase your earnings.
  4. Flexibility and Security: Having multiple streams of passive income provides a safety net in case one source of income fluctuates or diminishes.

Methods to Earn Passive Income in Pakistan:

Rental Properties: Invest in real estate and earn rental income.
Dividend Investing: Invest in dividend-paying stocks and earn regular payouts.

1. Peer-to-Peer Lending

To make passive income through peer-to-peer lending in Pakistan, you can follow these steps:

  1. Research P2P Lending Platforms: Identify reliable P2P lending platforms operating in Pakistan that allow individuals to lend money to borrowers and earn interest on their investment. For example, Finja Invest.
  2. Sign Up and Create an Account: Register on the chosen P2P lending platform and complete the required account setup process, including verifying your identity and linking your bank account.
  3. Fund Your Account: Deposit funds into your P2P lending account, which will be used to lend to borrowers. Some platforms may require a minimum investment amount.
  4. Choose Loan Listings: Browse through available loan listings on the platform and choose the ones that align with your investment preferences, such as loan amount, borrower’s creditworthiness, and interest rates.
  5. Invest in Loans: Invest your funds by lending them to individual borrowers or by participating in diversified loan portfolios offered by the platform. Spread your investment across multiple loans to reduce the risk.
  6. Monitor and Reinvest: Keep track of your investments, including loan repayments and any potential defaults. Reinvest the returned principal and interest in new loans to continue earning passive income.

2. Stock Market

To generate passive income from the stock market in Pakistan, follow these steps:

The Beginner`s Guide to Trading Stocks in Pakistan: A Step-by-Step Approach to Getting Started

  1. Educate Yourself: Gain knowledge about the stock market, including how it works, different investment strategies, and the companies listed on the Pakistan Stock Exchange (PSX).
  2. Open a Trading Account: Choose a reputable brokerage firm and open a trading account with them. Complete the necessary paperwork and provide the required identification documents.
  3. Research and Select Stocks: Conduct thorough research on various stocks listed on the PSX. Analyze the company’s financials, growth prospects, and market trends to make informed investment decisions.
  4. Create a Diversified Portfolio: Build a diversified portfolio by investing in a mix of different stocks from various sectors. Diversification helps spread the risk and enhance the potential for consistent returns.
  5. Set Up a Dividend Reinvestment Plan (DRIP): Some companies pay dividends to their shareholders. Consider setting up a DRIP with your broker to automatically reinvest the received dividends into additional shares, compounding your returns over time.
  6. Regularly Monitor and Adjust: Stay updated with market news, company announcements, and economic indicators. Monitor your portfolio’s performance and make adjustments as needed to optimize your passive income generation from stock investments.

3. Royalties

To earn passive income through royalties in Pakistan, consider the following steps:

  1. Identify Your Creative Work: Determine the creative work you own that has the potential to generate royalties. This could include books, music compositions, artwork, photography, software, or any intellectual property.
  2. Protect Your Intellectual Property: Ensure your creative work is properly protected by copyright or other applicable forms of intellectual property rights. Consult with a legal professional to understand the process and requirements.
  3. Licensing or Publishing: Seek opportunities to license or publish your creative work. Explore partnerships with publishers, record labels, art galleries, or online platforms that specialize in your specific industry.
  4. Negotiate Royalty Agreements: Negotiate royalty agreements that define the terms and conditions of how you will be compensated for the use of your creative work. Royalties are typically a percentage of sales or usage fees.
  5. Monitor Usage and Collect Royalties: Regularly monitor the usage of your creative work and ensure proper reporting by the licensee. Work with royalty collection agencies or organizations to track and collect your royalty payments.

4. Affiliate Marketing

To generate passive income through affiliate marketing in Pakistan, follow these steps:

Here`s How AI is Changing Digital Marketing World

  1. Choose Affiliate Programs: Research and select affiliate programs that align with your niche or interests. Look for reputable programs that offer competitive commission rates and provide support for affiliates.
  2. Join Affiliate Networks: Join affiliate networks such as Daraz, ClickBank, or Amazon Associates, which connect affiliates with a wide range of products and brands. These networks provide affiliate links and track sales and commissions.
  3. Create Content: Develop a website, blog, or social media platforms to promote affiliate products. Produce high-quality content that provides value to your audience and incorporates affiliate links naturally.
  4. Drive Traffic: Implement strategies to drive traffic to your content. Utilize SEO techniques, social media marketing, email marketing, and other online marketing methods to attract visitors who may be interested in the affiliate products you promote.
  5. Monitor Performance and Optimize: Track the performance of your affiliate marketing efforts using analytics tools. Identify the most successful products and strategies, and optimize your approach to maximize conversions and passive income.

5. E-Commerce

To earn passive income through e-commerce in Pakistan, consider the following steps:

  1. Identify Product Opportunities: Research and identify product niches or categories that have demand in the Pakistani market. Look for gaps or underserved areas where you can offer unique products.
  2. Source Products: Find reliable suppliers or manufacturers who can provide the products you want to sell. Consider local suppliers or explore options for importing goods from abroad.
  3. Set Up an Online Store: Create an e-commerce website or use established platforms like Daraz, Shopify, or WooCommerce to set up your online store. Customize your store’s design and layout to align withSubtitle: Exploring Passive Income Opportunities in Pakistan: Affiliate Marketing, E-Commerce, Stock Market, Royalties, and More

6. Create Online Courses

Share your knowledge and expertise by creating online courses. Platforms like Udemy or Teachable allow you to earn passive income from course enrollments.

7. YouTube Channel

Start a YouTube channel and monetize it through ads, sponsorships, or affiliate marketing. Consistently produce high-quality videos on topics that resonate with your target audience.

8. Blogging

Monetizing a blog or online content through advertisements, sponsored content, or affiliate marketing.

9. Create and Sell Digital Products

Develop and sell digital products like e-books, online courses, software, or graphic designs. Once created, these products can be sold repeatedly, generating passive income.

10. Create an App

Develop a mobile app that offers value to users. Monetize the app through advertisements, in-app purchases, or subscriptions to earn passive income.

11. Print-on-Demand

Print-on-Demand allows you to create and sell customized products without holding inventory. Collaborate with print-on-demand platforms like Teespring or Printful, design unique merchandise, and offer them for sale. When customers make a purchase, the products are printed and shipped on your behalf, earning you passive income.

12. Create a Membership Site

Develop a membership site catering to a specific niche or interest. Offer exclusive content, resources, or services to members in exchange for a recurring subscription fee. Continuously provide value to your members, grow your community, and earn passive income from their subscriptions.

13. Self-Publishing

Self-publishing empowers aspiring authors to publish and sell their books independently. Write and format your book, create an eye-catching cover, and self-publish through platforms like Amazon Kindle Direct Publishing (KDP). Earn royalties from book sales, and leverage marketing strategies to increase your passive income potential.

14. High-Yield Savings Accounts

Open a high-yield savings account with a reputable bank that offers competitive interest rates. Deposit your savings into this account and watch your money grow passively over time. Research different banks and compare interest rates to maximize your earnings.

15. Create and Sell Stock Photos

If you have photography skills, capture high-quality images and sell them on stock photography platforms such as Shutterstock or Adobe Stock. Each time someone purchases your photos, you earn passive income from the royalties.

16. Rent Out Space

Leverage your property or available space by renting it out. Consider renting out a spare room, parking space, or even an entire property on platforms like Airbnb. This allows you to earn passive income from the rental payments.

17. Create a Podcast

Start a podcast and monetize it through sponsorships, advertisements, or donations. Provide valuable content to your listeners, grow your audience, and earn passive income as your podcast gains popularity.

18. Create a Niche Website

Build a niche website focused on a specific topic or industry. Develop valuable content, optimize it for search engines, and monetize through affiliate marketing, sponsored posts, or display ads. As your website attracts traffic, you can earn passive income from these various sources.

19. Dividend Investing

Invest in dividend-paying stocks listed on the Pakistan Stock Exchange (PSX). Select reputable companies with a history of consistent dividends. As a shareholder, you earn passive income through regular dividend distributions.

20. Online Business

Establish an online business that aligns with your skills and interests. This could include e-commerce, dropshipping, digital marketing, consulting, or providing online services. Create systems and automate processes to generate passive income from your online business.

21. REITS:

REITs, or Real Estate Investment Trusts, are investment vehicles that allow individuals to invest in real estate without directly owning the properties. REITs pool money from multiple investors and use it to purchase, manage, and operate income-generating properties, such as commercial buildings, apartments, or shopping centers. Investors in REITs earn a share of the rental income generated by these properties, as well as potential capital appreciation. REITs provide an opportunity for individuals to invest in real estate without the need for a large amount of capital or direct involvement in property management.

List of REITs in Pakistan: Current Share Price, Dividend Payout Ratio, and Share Details

22. Copy Trading

Copy trading is a method of investing in which individuals replicate the trades of experienced and successful traders. It involves automatically copying the trades made by a selected trader into one’s own trading account. Copy trading platforms allow users to connect their accounts with the accounts of professional traders and mirror their trading strategies and decisions. This approach is particularly popular among novice traders who wish to benefit from the expertise of more experienced traders without having to spend time and effort learning complex trading strategies.

What is Copy Trading ? Here`s How to make money from it

23. Government and T-Bills

Government and T-Bills refer to investment instruments issued by the government to finance its operations and meet short-term funding needs. These instruments are considered low-risk investments as they are backed by the government’s creditworthiness. Government bonds are long-term debt securities with fixed interest payments, while T-Bills, or Treasury Bills, are short-term debt securities with a maturity period of one year or less. Investors who purchase government bonds or T-Bills earn interest on their investment over the specified period. These investments are often favored by risk-averse individuals looking for a secure investment option.

24. Systematic Investment Plans (SIPs)

Systematic Investment Plans, commonly known as SIPs, are investment strategies offered by mutual funds. SIPs allow individuals to invest a fixed amount of money at regular intervals (usually monthly) in a mutual fund scheme. This approach helps individuals inculcate disciplined investing habits and benefit from rupee-cost averaging. Rupee-cost averaging means that investors automatically buy more units when prices are low and fewer units when prices are high, reducing the impact of market volatility. SIPs provide individuals with the flexibility to invest small amounts regularly, making it an accessible investment option for retail investors.

25. Post Office Savings Schemes

Post Office Savings Schemes are investment options offered by the postal services in many countries, including Pakistan. These schemes provide individuals with a range of savings and investment options with varying interest rates and maturities. Some common post office savings schemes include recurring deposits, fixed deposits, National Savings Certificates, and Public Provident Fund. These schemes are known for their low-risk nature and attractive interest rates compared to traditional bank savings accounts. Post Office Savings Schemes are often considered a safe and reliable investment option, particularly for individuals looking for stable returns and capital preservation.

Conclusion

Passive income offers a pathway to financial freedom and opens up opportunities for wealth creation and a more flexible lifestyle. By understanding the concept and exploring different passive income streams, you can take steps towards achieving financial independence and securing your future.

FAQs – Passive Income in Pakistan

1. What is passive income?

Passive income refers to earnings that are generated with minimal effort or active involvement after the initial setup. It is an income stream that continues to generate revenue even when you’re not actively working on it.

2. How can I earn passive income in Pakistan?

There are several ways to earn passive income in Pakistan, including print-on-demand, creating a membership site, self-publishing, high-yield savings accounts, selling stock photos, renting out space, starting a podcast, building a niche website, dividend investing, and establishing an online business.

3. How does print-on-demand work for passive income?

Print-on-demand allows you to create and sell customized products without the need for inventory. You design the products, and when customers place orders, they are printed and shipped on demand. You earn passive income from the sales without the hassle of inventory management.

4. What is a membership site, and how can it generate passive income?

A membership site is a platform where you offer exclusive content, resources, or services to members in exchange for a recurring subscription fee. By providing valuable content consistently, you can attract members, grow your community, and generate passive income from their subscriptions.

5. Can self-publishing be a source of passive income?

Yes, self-publishing your books can generate passive income. By writing and publishing your books on platforms like Amazon Kindle Direct Publishing, you earn royalties from book sales. With effective marketing and a growing readership, your book can continue to generate income over time.

6. How can I earn passive income through high-yield savings accounts?

High-yield savings accounts offer competitive interest rates, allowing your savings to grow passively. By depositing your savings into these accounts, you earn interest on your balance, increasing your passive income over time.

7. How can I make money from stock photos?

By capturing high-quality images and selling them on stock photography platforms like Shutterstock or Adobe Stock, you can earn passive income through royalties. Each time someone purchases your photos, you receive a percentage of the sale.

8. How can I generate passive income by renting out space?

Renting out space, such as a spare room or property, through platforms like Airbnb, allows you to earn passive income from rental payments. By providing a desirable space and offering a positive experience for guests, you can generate ongoing income.

9. Can podcasting be a source of passive income?

Yes, podcasting can generate passive income through sponsorships, advertisements, or donations. As your podcast gains popularity and attracts a dedicated audience, you can monetize it and earn income even when you’re not actively producing new episodes.

10. What is dividend investing, and how can it generate passive income?

Dividend investing involves investing in stocks that pay regular dividends to shareholders. By selecting reputable companies listed on the Pakistan Stock Exchange (PSX) with a history of consistent dividends, you can earn passive income from these regular dividend distributions.

11. How can I establish an online business for income?

An online business, such as e-commerce, dropshipping, digital marketing, consulting, or providing online services, can generate income. By leveraging online platforms, automating processes, and offering valuable products or services, you can earn income even when you’re not actively working.

12. How does affiliate marketing work for generating passive income?

Affiliate marketing involves promoting products or services of other companies and earning a commission for each successful referral or sale made through your unique affiliate link. By creating content, recommending products, and driving traffic to affiliate offers, you can earn income when people make purchases using your affiliate links.

13. Can creating online courses be a source of income?

Yes, creating and selling online courses can generate passive income. Once you create a high-quality course on a topic you’re knowledgeable about, you can market and sell it on platforms like Udemy or Teachable. Students enroll in your course, and you earn passive income from the course sales.

14. How can I earn passive income through a YouTube channel?

By creating a popular YouTube channel and monetizing it through ads, sponsorships, and merchandise sales, you can generate passive income. As your channel grows and attracts a significant number of subscribers and views, your videos can continue to generate income over time.

15. Can blogging be a source of passive income?

Yes, blogging can be a source of income. By creating a blog, writing valuable content, and monetizing it through ads, sponsored posts, affiliate marketing, or selling digital products, you can earn income as your blog attracts traffic and generates revenue.

16. How can I create and sell digital products for passive income?

Digital products such as ebooks, templates, online courses, stock photos, or graphic designs can be created once and sold multiple times. By creating high-quality digital products and marketing them on platforms like Etsy or your own website, you can earn income from their sales.

17. How can I create an app for passive income?

If you have programming skills or can hire a developer, creating a mobile app can generate income. By offering a valuable app that users are willing to pay for or by monetizing it through ads or in-app purchases, you can earn income as users download and engage with your app.

18. How long does it take to start earning from these methods?

The time it takes to start earning varies depending on several factors, including the method chosen, your level of effort and dedication, market demand, competition, and marketing strategies. Some methods may start generating income relatively quickly, while others may require more time and effort to gain traction.

19. Are there any risks or challenges associated with earning passive income?

While passive income opportunities offer the potential for additional earnings, there can be risks and challenges involved. These may include initial investment costs, market fluctuations, competition, maintaining quality and relevance, marketing efforts, and the need to adapt to changing trends and technologies.

20. Can I earn passive income from multiple sources simultaneously?

Yes, it is possible to earn income from multiple sources simultaneously. Diversifying your income streams can help mitigate risks and enhance your overall earnings. However, it’s important to manage your time and resources effectively to ensure you can maintain and grow each income stream successfully.

21. Is passive income taxable in Pakistan?

Yes, income is generally subject to taxation in Pakistan. The tax treatment may vary depending on the specific type of passive income and the applicable tax laws. It is advisable to consult with a tax professional or refer to the tax regulations in Pakistan to understand the tax obligations related to your specific passive income sources.

22. Are there any legal requirements or regulations for earning passive income in Pakistan?

Yes, there may be legal requirements and regulations that apply to earning passive income in Pakistan. These requirements can vary depending on the nature of the passive income source and the applicable laws and regulations. It is important to familiarize yourself with any legal obligations, such as obtaining necessary licenses or permits, complying with tax regulations, and adhering to consumer protection laws.

23. Can I earn income while working a full-time job?

Yes, earning passive income can be a viable option even if you have a full-time job. Passive income streams are designed to generate income with minimal ongoing effort, allowing you to earn money while focusing on other commitments. However, it’s important to manage your time effectively and find a balance between your full-time job and passive income pursuits.

24. Are there any upfront costs or investments involved in generating income?

Some passive income methods may require upfront costs or investments. For example, creating an app or investing in dividend stocks may involve financial investments. However, there are also passive income opportunities that can be started with little to no upfront costs, such as blogging or affiliate marketing. It’s important to consider your budget and risk tolerance when choosing passive income strategies.

25. Can passive income replace my regular income?

While passive income has the potential to provide a supplemental income stream, it may not replace your regular income immediately. The amount of passive income generated can vary depending on various factors, including the chosen method, level of effort, market conditions, and scalability of the income stream. It’s important to set realistic expectations and consider passive income as a long-term strategy for financial growth.

Note: The FAQs provided above are for informational purposes only and should not be considered as financial or investment advice. It’s always recommended to do thorough research and consult with professionals before making any financial decisions.

Advancing Battery Technology: Electrode Degradation Diagnosis

Khashif Sarfraz
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Introduction:

Battery technology is a vital aspect of our modern world, powering everyday devices such as smartphones and electric vehicles. However, challenges like fire safety and performance degradation have limited the lifespan and efficiency of lithium-ion batteries. In a significant advancement, a joint research team led by Professor Lee Yongmin of DGIST and Professor Kim Sungsoo of Chungnam National University has introduced a pioneering battery electrode degradation diagnosis technology that utilizes digital twin technology and particle-level multiphysics modeling. This breakthrough aims to identify the root causes of performance degradation within battery particles and optimize battery design for improved efficiency and longevity.

Understanding Battery Performance Analysis:

To address the persistent challenges in battery technology, the research team delved into battery performance analysis and the prediction of changes. By leveraging digital twin technology, they developed a sophisticated model that accurately replicates the intricate particle arrangement found within actual batteries in a virtual environment. Consequently, this approach enables precise diagnosis of the internal structure, isolating and scrutinizing individual particles to better understand their electrochemical and mechanical properties.

The Role of Digital Twin Technology:

The developed digital twin technology offers an accurate representation of battery particles, allowing for the prediction of volume changes during battery operation. By closely mimicking real particles, this technology enables the diagnosis of electrode particle degradation and presents opportunities for optimizing designs to overcome performance challenges. With the ability to identify the unique characteristics of active materials responsible for generating electrical energy, researchers can suggest optimal particle designs to enhance battery performance.

Collaborative Research and Measurement Experiments:

To ensure precise electrochemical and mechanical prediction results, the research team collaborated with Chungnam National University and Tokyo Metropolitan University to conduct “single-particle measurement” experiments. These experiments involved accurate measurements of electrochemical properties and the demonstration of mechanical properties using cutting-edge “Nano Indenter” technology from the Korea Electronics Technology Institute. These collaborative efforts further enhance the accuracy and reliability of the research findings.

Implications for Battery Technology:

The pioneering battery electrode degradation diagnosis technology developed by the research team offers immense potential for the advancement of battery technology. Moreover, by accurately diagnosing degradation within battery particles and suggesting optimal designs, it holds promise for improving battery lifespan and efficiency. Additionally, the publication of the team’s research in the esteemed journal Advanced Energy Materials highlights the significance of their findings in the scientific community.

Conclusion:

The joint research team’s development of battery electrode degradation diagnosis technology utilizing digital twin technology and particle-level multiphysics modeling represents a remarkable step forward in battery technology. By understanding the intricate structure and properties of battery particles, researchers can optimize designs and address challenges related to battery performance degradation. As further advancements are made in this field, the potential for enhanced battery efficiency and lifespan becomes increasingly within reach, paving the way for a more sustainable and reliable energy future.

Harry Brook's Heroics Propel England to a Thrilling Ashes Victory at Headingley

Khashif Sarfraz
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Introduction:

England’s sensational Ashes victory at Headingley has left cricket enthusiasts buzzing with excitement. The third test match between England and Australia proved to be a gripping encounter, filled with unexpected twists and turns. In this article, we relive the remarkable moments of the match and provide insights into the series as it stands, upcoming fixtures, TV coverage, and squad updates.

The Match-Winning Partnership:

The standout performance of the match came from young talent Harry Brook, who played a pivotal role in securing the victory for England. His impressive innings of 75 off 93 balls, including nine boundaries, displayed maturity beyond his years. Teaming up with Chris Woakes, the duo shared a game-changing 59-run partnership for the seventh wicket, bringing England closer to their target. Although Brook was caught off Mitchell Starc with 21 runs still needed, Woakes (32*) and Mark Wood (16*) ensured a triumphant finish.

Series Update and Exciting Matches Ahead:

With this thrilling win, England managed to keep the five-match series alive, as Australia leads 2-1. The upcoming fourth test at Old Trafford, scheduled to start on July 19, promises to be another intense battle between these fierce rivals. Cricket fans eagerly anticipate the clash, hoping to witness more exhilarating moments that could potentially shape the outcome of the series.

TV Coverage and Highlights:

For fans wanting to catch all the action, Sky Sports Cricket and Sky Sports Main Event provide exclusive live coverage of the Ashes matches in the UK. Additionally, the BBC offers a highlights package, including the popular show “Today at the Test” on BBC2 at 7 pm after each day’s play. Furthermore, radio coverage is available on Radio 5 Live Sports Extra and the BBC Sounds app, with the iconic Test Match Special (TMS) team providing ball-by-ball commentary, expert analysis, and insights.

Squad Updates and Key Players:

Injury concerns have impacted both teams. England vice-captain Ollie Pope has been ruled out of the remainder of the summer due to a serious shoulder injury, requiring surgery. Harry Brook’s promotion to No. 3 proved successful in the third test, highlighting his potential impact in future matches. Australia’s Nathan Lyon missed the Headingley Test due to a significant calf tear, with Todd Murphy stepping in as a replacement.

Historical Context and Rivalry:

The Ashes series holds immense historical significance, with England aiming to regain the trophy for the first time since 2017. Over the years, these two cricketing powerhouses have produced memorable contests, with England showcasing their dominance in recent home series. The format of the series has remained five Tests since 1997, providing a balanced platform for teams to showcase their skills.

Looking Ahead:

As the Ashes series progresses, anticipation grows for the remaining matches, including the final test at The Oval in London from July 27-31. Cricket enthusiasts eagerly await each day’s play, hoping for more thrilling performances and unforgettable moments that will shape the legacy of this historic rivalry.

Note: Stay tuned for further updates on squad changes, match results, and key highlights throughout the Ashes series, as the battle for cricket supremacy continues to unfold.

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