MUHAMMAD HUMZA NAEEM

MANAGING DIRECTOR PAK GROUP OF BUSINESSES ......

[MUHAMMAD HUMZA NAEEM @HumzaPakistani]

@AmerSharifOFCL Its a fashion sir

[MUHAMMAD HUMZA NAEEM @HumzaPakistani]

Don't try to panic its a automated 24 hours cool off window due to to glitch in raast system sometimes and the funds will be returned to your account after or before 24 hours ..

[Ansar Abbasi @AnsarAAbbasi]

State Bank of Pakistan @StateBank_Pak is requested to look into the complaint-handling mechanism of @HBLPak. Funds were debited from an account but not delivered to the recipient, and HBL’s helpline has only added to the frustration instead of resolving the issue.

[MUHAMMAD HUMZA NAEEM @HumzaPakistani]

True

[Minahil Temur @minoqtopus]

being from middle class or above, i have yet to find a "better" opportunity to leave Pakistan and move abroad. Pakistan is a gold mine of opportunities if one is smart enough to figure it out.
The same amount of effort will produce higher outputs in Pakistan than anywhere else in the world

[MUHAMMAD HUMZA NAEEM @HumzaPakistani]

@MiftahIsmail Its true
Interest is not haram
Riba is haram
Interest is not riba
Interest is financial tool to manage currency
Riba is charging extra ammount for lending a "static value" ( gold etc)
No concept of currency when riba was declared haram
Financial education & islam essence

[MUHAMMAD HUMZA NAEEM @HumzaPakistani]

Its true
Interest is not haram
Riba is haram
Interest is not riba
Interest is financial tool to manage currency
Riba is charging extra ammount for lending a "static value" ( gold etc)
No concept of currency when riba was declared haram
Financial education & islam essence

[Miftah Ismail @MiftahIsmail]

In my column I argue that there is essentially no difference between Islamic and conventional banking. Both charge you fixed interest without risk-sharing. Arabic names for loan products doesn’t make you Islamic. https://t.co/2TjpM0k2UG

[MUHAMMAD HUMZA NAEEM @HumzaPakistani]

@MiftahIsmail Interest is not riba

Riba is income generation by lending a commodity and charging extra on it while getting back

Interest is inflation adjustment tool

Ribe is haram

Interest is modern day adjustment of currency devaluation

Currency doesn't exist at that times

[MUHAMMAD HUMZA NAEEM @HumzaPakistani]

Interest is not riba

Riba is income generation by lending a commodity and charging extra on it while getting back

Interest is inflation adjustment tool

Ribe is haram

Interest is modern day adjustment of currency devaluation

Currency doesn't exist at that times

[Miftah Ismail @MiftahIsmail]

Is Islamic banking Islamic?

In my column I examine if Islamic banking in Pak is just based on interest rates or is it close to Islamic ideals. https://t.co/2TjpM0k2UG

[MUHAMMAD HUMZA NAEEM @HumzaPakistani]

U say urself a tax consultant or chartered accountant but failled to understand essence of calculations
If a person like u spread factless shit like then what we can expect from low iq people ?

Be responsible be statistical

Instead of always spreading baseless shit

[Amer Sharif @AmerSharifOFCL]

"یہ دکاندار ایک فرض شناس ٹیکس گزار ہے"
صرف 25 ہزار روپے میں نہ صرف فرض شناس,
بلکہ نوٹسز سے بھی مکمل نجات!

اور دوسری طرف بیچارا تنخواہ دار طبقہ، جو سالانہ لاکھوں روپے ٹیکس ادا کرتا ہے، پھر بھی یہ یقین نہیں کہ اسے "فرض شناس ٹیکس گزار" سمجھا جائے گا یا نہیں، جبکہ نوٹسز کا خوف الگ برقرار رہتا ہے۔

اللہ کرے اگلے سال انہی دنوں ہم یہ بحث نہ کر رہے ہوں کہ مقررہ ہدف کے مقابلے میں تاجروں سے ہمیشہ کی طرح صرف 5 فیصد ٹیکس ہی وصول ہو سکا۔

[MUHAMMAD HUMZA NAEEM @HumzaPakistani]

@AmerSharifOFCL U say urself a tax consultant or chartered accountant but failled to understand essence of calculations
If a person like u spread factless shit like then what we can expect from low iq people ?

Be responsible be statistical

Instead of always spreading baseless shit

[MUHAMMAD HUMZA NAEEM @HumzaPakistani]

Owners and high management of master motors & chery master are inaccessible

No information can be found anywhere

[Nadeem Haque @nadeemhaque]

Have you ever wondered Pakistani businesses are like the rest of the country running in VIP protocol.

Trying to reach @MasterMotor and they have no working number. Tried calling all their numbers and they say all numbers are invalid.

Is this an ok business where numbers are invalid.

@MasterMotor does it stand behind product? Need to talk to someone. Can’t.

[MUHAMMAD HUMZA NAEEM @HumzaPakistani]

@plot_twistttt That type of men exists but u are not pretty enough to get them ..u are dusky and unattractive

[MUHAMMAD HUMZA NAEEM @HumzaPakistani]

Nice

[Talha Ejaz @TalhaEjaz07ee]

The tax filling season is here.

May I remind you people to use every loophole, every incentive, any trick available to avoid tax.

NOT evade but legally avoid them.

That capital is far more productive in your hands than this inefficient government.

Tax avoidance is your national responsibility.

[MUHAMMAD HUMZA NAEEM @HumzaPakistani]

@Pak0047 @ARNOfficiall bhai 1 kanal ka plot 2010 main 35 ka 3 marlay ka 5lakh ka tha aur yeh developed ki bt ho rae tb raiwand road ki societies par 20 lakh (kanal)..so many areas to invest in past ...for next decade still property is best for saving untill industrial and corporation revolution

[MUHAMMAD HUMZA NAEEM @HumzaPakistani]

@Pak0047 @ARNOfficiall Indian economy is 9 time bigger then us but thier market is 25 times bigger then ..in pakistan big stakeholders of PSX are banks & fauji groups which are highly vulnerable to recession type crises

[MUHAMMAD HUMZA NAEEM @HumzaPakistani]

@Pak0047 @ARNOfficiall Still stocks are risky investments and If someone don't want to risk he will save more untill buy 3/5 marla plot Secondly its for the country like pakistan where there is no industrialization and corporations .Stocks are for US and india type economies..its our failure as a state

[MUHAMMAD HUMZA NAEEM @HumzaPakistani]

@fourvoyagers @ARNOfficiall Iam sorry if u bought it but its true .it will be 2700-2900 in Q1 of 2027 or before

[MUHAMMAD HUMZA NAEEM @HumzaPakistani]

@AmerSharifOFCL Don't spread negativity all the times ..give solutions instead by spreading negativity every time u tweet

Calm ur mind ..all the time same nerative

[MUHAMMAD HUMZA NAEEM @HumzaPakistani]

In 2010 jo plot lahore main 35 lakh ka tha aaj 4 crore ka ha its 11x

Most in all scenarios

In stocks u may losse half ur capital and gold till 2025 was not high enough its temporary uo due to wars will be down to 2700$ again

U are not smart

Stocks are only for traders

[Abdul Rehman Najam @ARNOfficiall]

The most expensive financial advice in Pakistan is free:
"Plot le lo beta. Zameen kabhi nahi jaati."

Every dinner table. Every family gathering. Every father to every son.

That one sentence has cost Pakistani families more wealth than any market crash ever.

Here is the math nobody showed them.

According to best investment classes, your 1 lac in 2010 would have 4 choices:

Dollars → Rs 3.3 lakh today. 3.3x in 16 years.
Your money barely survived.

Silver → Rs 6.5 lakh. 6.5x. Better
but silver does not earn, does not pay dividends, does not compound.

Gold → Rs 13 lakh. 13x.
Strong hedge. But gold just sits. It preserves. It does not build.

FFC shares/KSE100 Index → Rs 17.5 lakh. 17.5x.
A business that earned profits, paid dividends, issued bonus shares,  every single year for 16 years.

And here is the part that breaks the "plot le lo" argument:

You could not even buy a plot with Rs 1 lakh in 2010. But you could become a shareholder in one of Pakistan's best businesses.

No minimum capital. No agents. No months of waiting.

Zameen requires lakhs to enter.

The stock market made Rs 1 lakh into Rs 17.5 lakh.

The advice was not wrong for their generation. But passing it down unchanged, unquestioned, is the most expensive inheritance in Pakistan.

What is one piece of inherited financial advice you followed without questioning and what did it actually cost you? Share in the comments

[MUHAMMAD HUMZA NAEEM @HumzaPakistani]

@AhmadJawadBTH Tmhari apni okaaat cd 70 ya alto dabi kharedne jitni bhi nae ha ...Chinese automotive is rulling the world and same built quality ckds around the world

Pta hta nae ha bakwass shuru