Education is another thing, schooling is another.


Lack of education is becoming more of a problem that is ruining the system in every era of life. Neither there are good organizations to work on that nor people interested.

People themselves confuse with the difference between education and schooling. They think education and schooling are same. While there is no direct correlation between both of them. Also, people don’t have any good reason to get educated and convince themselves why should they get educated. On top of that, there is no career counseling system that can motivate people and guide them.

On the other hand, lack of career counseling becomes the main reason why people don’t get motivated towards education, so they don’t have any vision, goals, or mission in their life. People neither feel there is some need to get career counseling nor organizations are doing that, thanks to no monetary reward in this area.

Because of marketing tactics by schools and due to global social confusion regarding schooling and education itself, people are getting confused. They feel the school is a must for education. The fact is that, one can also get the education by reading books himself or using online tools like coursera / futurelearn / edx / udacity. None of them is school.

Tools mentioned above based on massive online open courses (MOOC) that make them money only if you purchase certificate. Also, they do it free because their name gets recognized in front of hundred of thousands of audience, in free.

Schools are money-making machines and corporate business. They are the best example of subscription-based services where you get a client one time and get rewards even more than 5 years.

They market themselves good enough, to get their money stream revolving. Besides that, people think they have to pay in order to get an education, and this is the main confusing point. Tools mentioned above are almost free and even have world class level of education which local schools even not able to provide.

Without marketing, they won’t be able to make that passive income, so they make an illusion to the society that schooling is a must.

Since every hole in the system and social necessity creates an opportunity for a business to appear and resolve that issue, schools are doing that well enough. Subscription based services are an example of crowd sourcing where an individual paying you don’t feel he is paying much. That small money collected with hundreds of individual becomes a large amount and makes them a millionaire.

I will call all above a ‘wicked’ problem. There is no one reason or cause of the problem I mentioned in the first para. On top of that, there is no fixed solution available. Also, every cause leading to that specific problem denotes another hidden problem that has to be thought about by think-tanks.

Unfortunately, they are sleeping. I’m talking about the parents here.

Your clients ignore you because you ignore them first.


In upwork, that is client interface. I know, most of you have not seen that before. Can you think why should I click or not click on his profile while I receive 86 proposals of good talents? Here are some key points:

1) These guys see your hourly rates.
2) How many hours of work you did.
3) What’s your job success rate?
4) Where are you from? Yes, that counts. This represents the personality traits.
5) One important thing on which I decided to write on, today. Cover letter.

Client receive hundreds of letters starting with ‘I’m senior developer’, ‘I’m top level account’, ‘I’m most demanded shit….’.
Guys BE DIFFERENT. Try to DIRECTLY response to the job description. Nobody wants to know how senior you are. Just be concise, relevant and direct. Use the keywords client used in his job description.

What if I ask you ‘Hey! can you go hiking with me’, and you start ‘I’m an expert level of hiker and I’m doing hiking past 7 years. I did it with some big celebrities…….’

Hey! stop this bullshit. Tell me ‘yes’ or ‘no’.

Write relevant, get a project. It’s that simple.

What they don’t tell you

After all, all big businessmen, successful celebrities, wealthy giant, and entrepreneurs have this one thing in common. By birth, they have been given this fortune gifted by the universe. In very rare cases, people even dare to realize that they even need it. Nobody tells us. Why the hell should they do?

Have you ever thought why some businesses are called ‘their family business’? What special do they have? Again, let me remind you. This one common thing in all of them.

Mentors, what they all have in common. If you are new to business life, a child in entrepreneurship way, innocent in tactics. Go, find a mentor. That would the most necessary step in your success. A person, who has achieved what you want to achieve, in the industry you fall in.

Check in conferences, join groups, get registered in events. Find every way possible where you find a mentor. Imagine, you have a good investment, brilliant business idea, a lot of knowledge, genius co-founder, and good target market. There are still chances you go fail or don’t leverage your potential because you don’t know the ways a mentor does. Meet them, greet them, invest on them. That will pay back. Even with one tiny advice, small idea modification, not-to-consider marketing strategy hint, given by mentor may change your whole income scenario.

All big names here in the industry even warren buffet have their mentors. Find, call, and gift them and catch their attention. They were here in your shoes someday. They felt before what you feel today. Don’t get fear. These guys are eager to help more than you imagine. Call them, offer dinner, even a cup of tea to have their time.

If have $100 to invest somewhere and ask me ‘Naveed! What one advice will you give me with that money’, I would reply.
Invest in the mentor.

Please don’t read this if you wan’t to be poor all the life.


Still with a hand-to-mouth situation even after years of earning? Do you spend all what you get? Nobody told you what to do? How to save? Where to invest? … hmm, You are not alone. The majority of our society also has the same problem. You’ve to educate yourself in the field of personal financial management.

If somebody is an expert in his field, comes to you and say ‘Hi! I’m expert at that and can earn profit but don’t have money. Do you guys can invest in my idea. Here is the proofs that I had done that before with good earnings and investors got the big amount. Your money is safe and I’m liable to that.’ Will you invest in that idea? What would you do? Investment.. awesome.

Money invested in his idea is ‘fund’ and since a lot of guys like you are going to invest there, that is called ‘fund’, simply ‘mutual fund’. What the hell is that? Let me tell you.

If you invest 1000 monthly for next 20 years, you should get 1000x20x12=240,000. Am I right? No… Income from that investment isn’t included there. Let say it is around 20% per annum. That amount should go then 30,000,000. I know that is somewhat unbelievable. The magic of compounding somehow makes that huge difference. Convinced to invest at least 10% of your monthly income for a long time? Ok, read on…

The guy came to you to ask for investment was ‘investment advisor’, you are the ‘investor’, the company sent advisor is ‘asset management company’, the fund you invest in called ‘mutual fund’.

Google out any company in your city and talk with their online support and ask as many questions as possible, research online on sites like mufap or Bloomberg talk on forums and when you are loaded with information invest somewhere. That’s all.

Cost? hmmm…. When you first invest in any company. They charge you some amount 1.5%-3% on your total investment (depending on the company), that charge is called ‘front-end-load’. This is one-time cost only. That will reduce your initial investment amount obviously. Let say you invested 100,000 and front end load was 3% then your initial investment will be 97,000 thanks to 3% front-end-load. Makes sense?

You can force your advisor to give you 50% exemption in front-end-load. They are in charge and even can exempt in full. Again depends on the company, their assets, and past performance. I get 50% exemption from my advisor every time. You should start with a request for full exemption. He will himself offer 50%. That’s the negotiation rule. Apply that when you purchase anything from the market.

In addition to that, that company will charge you management load which is around 5% of the total investment, per annum. That will be applied at year end. So if at the end of the year that the company pays you 25% then 5% will be deducted and remaining will be 20%. This is still a big amount. Don’t be curious.

I’m not going to recommend anyone. I will recommend doing your own research as I don’t want to be looked as suspicious marketing guy of anyone giving you infotisement (advertise included in information).

Usually, banks operate those asset management companies in the country I live. You don’t have to open an account in bank related to that asset company. i.e If bank X operates company X. You don’t have to open an account in bank X. Simply call that company X and they will open your FUND ACCOUNT in their company, that won’t be related to bank X. Anyhow you at least have to have an account in ANY BANK.

What do these companies do after taking my money? Awesome question man. You are the genius. They invest in stock market, purchase high-performing stock and sell them. That is their job. This is how they earn the profit.

So why shouldn’t I invest in stock market myself? The wonderful question again. Lie down here. Let me massage you gently on your back. This all the game of time and expertise. They taking only 2% in front-end-load and 3%-5% as management-load which is in actual their operating expense of office rent, electricity, employee salary, furniture, computers etc. These guys are the expert there, they are certified, sometimes chartered accountant, they invest time in analyzing stock exchange every day. Will you do all these? Leave your job. Start your own company.

But it seems it’s not halal and shariah compliant as interest factor is included there? Oooohhhhhh….. This requires many details. Let me clear you everything. Do you have energy remaining? Do some push ups, take a glass of water, come back and read from next paragraph…


All the economies exist on this planet called earth are running based on their big companies. They are liable for GDP and somehow contribute to per-capita income.

The majority of them are listed on stock exchanges of their countries. They must have to take a loan in order to run company and give interest. Also, they give the loan to other companies and get interest. What they earn from interest and what they pay is all written in their financial statements like balance sheets, income statements, and others. Those financial statements are publicly opened because they are public limited companies and they are listed in stock exchange companies. On top of that they do their audits from independent chartered accountants.

What does that mean actually?

We can calculate how much PERCENTAGE OF INTEREST present in their NET INCOME. So if I tell you I’ve used your money and got a profit of 100,000 which includes 30% income from interest. What am I going to do is give that 30% to some charity like hospital or cause like cancer research and you will get 70,000 which is 100% halal and shariah compliant profit. Here is the proof with documents that I actually have given that 30% of them and here are the documents and financial reports that depicting this 100,000 had not included interest more than 30%. Here are independent chartered account analysis reports as well. Would you agree? Awesome..

If the above model works for you than this the exact model shariah compliant mutual fund industry is doing as per best of my research. Do your own if you can’t trust. Are you still suspicious?

Years ago, I was also. Let’s shake hand.

Can I become rich during employment?


Investment is the answer.

Years ago, while I was coming back from a beach nearby my city with my university friend. He suddenly asked ‘Naveed! How much do you earn’, I said ‘XXX’. He asked ‘How much do you spend’. I replied with around ‘XXX’. Our traveling ended. He went home. I went stunned.

Do you know who a ‘poor’ is? Even after doing masters in finance I was a totally foolish in personal finance in respect to the definition, I was poor. Dave Ramsey in his best seller ‘Total money makeover’ writes the definition of poor something like ‘One who spends all that he earns’.

I know personally the people who not only spend all what they earn, even think buy stuff they can’t afford using their current resources. That’s is society behavior thanks to media marketing efforts with huge budgets. Poor remains poor and even after decades their total worth remains hand-to-mouth. Nobody told them what wrong exactly are they doing. They also didn’t think about this. When I talk to people about their foolish, nonsense spending behavior. They see with their blank faces inside my eyes so weird that I feel suspicious. They start excuses like most of the ‘poor-minded’ guys do. Like I did.

What do you when your income increases? Buy somewhat more expensive shoes as compared to your previous one. I suspect you will be at the same level in next ten years where you are right now. What to do then? Make this your life karma.


You have to redefine your very own customized definition of ‘necessities’ and ‘luxuries’. Forget about luxuries for 5-10 years. Never again think of loan. Payback if you have any. Don’t use credit cards. Go to bed without food. Don’t with having a loan. Does that make sense?….. This is the very first step in personal financial freedom.

One of my friends has 2 more brothers. All three are doing jobs with a fixed and somewhat variable income. All revenue of one of them goes to rent the home, ridiculous? I know. Their ancestors didn’t think what I’m asking you to think about. They also don’t, simply.

After getting rid of all debts. Mortgage home. Start investing in biggest investment of your life. I know that part is hard enough. That will pay back in long term.

Already owned one? This is the time to invest for long term. Invest 10% of what you earn monthly in index/mutual fund. Make it routine. Poor people think about spending even before receiving money. You have to think about the investment before that. 10% is not that big amount.

Please don’t excuse me. You are earning 30K, all expenses are fixed, you don’t have even 1000 to invest? Awesome… What if you have only two options of having no money at all or 10% less than what you are earning? Will you survive in 27K? Right? That is the point?

One last, off the topic, motivating, energizing, forcing-you-to-think-hard type of stuff.

Yesterday I was talking with a businessman in my city. He was giving examples of various successful and very wealthy guys in his circle. After listening hours to the stories. I asked ‘They were all examples of business-minded and entrepreneurship-focused people. Do you know some gentleman who is successful and wealthy and doing employment?’ He stared at the sky with a pause and replied.