Ehraam E Junoon Episode 36 || Ehraam-e-Junoon Episode 36 Promo || Ehraam E Junoon Drama ||
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Saturday, August 26, 2023
Friday, August 25, 2023
Ehraam E Junoon Episode 35 Review Full || Ehraam E Junoon Drama Episode 35 Review | Ehraam E Junoon
اسلام علیکم ویورز
ڈرامہ احرام جنون کی اگلی قسط میں ہم آپ کو بتائیں کہ سجیلہ شانی کو کہتی ہے کہ جب شانزے خود ہی چاہتی ہے کہ ہماری شادی ہو جائے تو تم یہ ضد توڑ کیوں نہیں دیتے یہ بات سن کر شانی کہتا ہے کہ سجیلا میں ایسا نہیں کر سکتا میں دو لوگوں میں نہیں بٹ سکتا میں تم سے محبت نہیں کرتا یہ بات سن کر سجیلا کہتی ہے کہ پہلے تو تم محبت کے دعوے کرتے تھے اب جب محبت کو ثابت کرنے کا وقت آیا تو تم اس محبت سے بھاگ رہے ہو۔
ویڈیو میں آگے بڑھنے سے پہلے گزارش ہے کہ ہمارے چینل کو سبسکرائب کریں اور ویڈیو کو لائک لازمی کریں۔
یہ بات سن کر شانی کہتا ہے کہ ہمیشہ میں نے تمہاری ہر بات مانی ہے لیکن اب بہت دورہو چکے ہیں اب شاید ہم ایک نہیں ہو سکتے یہ بات سن کر سجیلہ کہتی ہے کہ تم ایسا میرے ساتھ نہیں کر سکتے میں آج بھی تم سے محبت کرتی اور شانی میں نے جو کچھ بھی کیا صرف اور صرف تمہارے بھلے کے لیے کیا کیونکہ میں تمہیں خوش دیکھنا چاہتی تھی اور مجھے اچھی طرح سے پتہ تھا کہ اگر ہماری شادی ہو جاتی تو شانزے تم سے سب کچھ واپس لے لیتی اور اب ایسابھی نہیں کرے گی اور میں نے خود اس سے کہا ہے کہ وہ مجھ سے تمہاری زندگی میں شامل کرے گی یہ بات سن کر شانی کہتے کہ تمہیں آخری یہ کہنے کی ضرورت ہی کیا تھی یہ بات سن کر سجیلا کہتی ہے کہ شانزے بھی یہی چاہتی ہے شانزے تمہیں خوش دیکھنا چاہتی ہے اگر وہ تمہاری محبت کی خاطر یہ سب کچھ کر رہی ہے تو اس میں حرج ہی کیا ہے یہ بات سن کر شانی کہتا ہے کہ ایسا نہیں ہو سکتا میں کبھی بھی ایسا نہیں کر سکتا۔
دوسری طرف نادیہ کو اب ساری حقیقت کا پتہ چل جاتا ہے کہ خاور نے کتنی مکاری سے شانزے سےسٹور اور یہ سب کچھ لے لیاخاور سے جب اس بارے میں پوچھتی ہے تو خاور صاف انکار کر دیتا ہے نادیہ کہتی ہے کہ اب مجھے تم جیسے جھوٹے انسان کے ساتھ رہنا ہی نہیں نہ میں کسی قسم کا تم سے تعلق رکھنا چاہتی ہوں خاور کہتا ہے کہ اب ایسی باتیں کرنے کا کیا فائدہ تم ایسی باتیں کیوں کرتی ہو تم تواچھی طرح سے جانتی ہو کہ میں تم سے کتنی محبت کرتا ہوں نادیہ کہتی ہے مجھے تم سے کبھی محبت نہیں ہو سکتی تم جیسا گھٹیا انسان کبھی کسی کا ہو ہی نہیں سکتا تم نے پہلے بھی جھوٹ بولا اور اب بھی جھوٹ بول رہے ہو تم نے شانزے سے میرے نام پر پیسے لیے ہیں وہ تمام پیسے واپس کرنے ہوں گے گاڑی یہ سب کچھ بھی میرا ہے اور میں سب کچھ لے کر یہاں سے جا رہی ہوں۔ یہ بات سن کر خاور کہتا ہے کہ تم پاگل تو نہیں ہو گی لیکن نادیہ بضد ہو جاتی ہے کہ اسے خاور سے طلاق چاہیے وہ خاور کو صاف کہہ دیتی ہے یہ بات سن کر خاور بھی اب بہت ہی زیادہ پریشان ہوتا ہے خاور نے کبھی سوچا بھی نہیں تھا کہ ایسے حالات ہو جائیں گے خاور ایک بار پھر نادیہ کو منانے کی کوشش کرتا ہے اور وہ نادیہ سے کہتا ہے کہ جو کچھ ہونا تھا وہ ہو گیا ہے میں آئندہ وعدہ کرتا ہوں کہ ایسی کوئی بات نہیں کروں گا۔
دوسری طرف شانزے فیصلہ کر چکی ہے کہ وہ ہر صورت میں سجیلہ اور شانی کی شادی کروا کر رہے گی جس پر ایک بار پھر وہ سامعہ بیگم بات کرتی ہے تو وہ بڑے ہی غصے میں آ جاتی ہے اور کہتی ہے کہ تمہیں شرم تو نہیں آتی کہ تم ایسی باتیں کیسے سوچ سکتی ہو بڑی مشکل سے شانی کو تم نے حاصل کیا ہے شانی اگر سجیلا سے شادی کر لے گا تو تمہاری اس کی زندگی میں کوئی اہمیت نہیں ہو گی یہ بات سن کر شانزے کہتی ہے کہ دولت کے بل بوتے پر میں نے شانی کو حاصل تو کر لیا شانی میرا ہو کر بھی میرا نہیں ہو سکا شانی اب بھی صرف اور صرف سجیلا کے بارے میں سوچتا ہے یہ بات سن کر اس کی ماں کہتی ہے کہ جو بھی ہے لیکن اب وہ تمہارے ساتھ ہے تمہیں اب ایسی باتیں نہیں سوچنی چاہیے سجیلا اب اس کی زندگی میں نہیں ہے سجیلاکسی اور سے شادی کر کے اپنی زندگی میں آگے بڑھ جائے گی تو شانی کو بھی احساس ہو جائے گا وہ صرف اور صرف تمہارا ہو گا اگر تم اس کے لیے یہ سب کچھ کرو گی تو اپنی زندگی برباد کر بیٹھو گی یہ بات سن کر شانزے کہتی ہے کہ نہیں اس بار میں اپنا فیصلہ نہیں بدل سکتی تا آگے سے شانزے کی ماں کہتی ہے کہ تم پاگل تو نہیں ہو گی اگر تمہارے بابا کو یہ سب کچھ پتہ چلا ہے تو وہ تمھیں کبھی بھی معاف نہیں کریںگے۔
Assalam Alaikum viewers
In the next episode of the drama Ihram Junoon, we will tell you that Sajila says to Shani that when Shanze herself wants us to get married, why don't you break this stubbornness? I can't split between two people, I don't love you, on hearing this, Stylish says that earlier you used to claim love, now when it's time to prove your love, you are running away from that love.
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Hearing this, Shani says that I have always accepted everything you said, but now we have been away for a long time, maybe we can't be together. After hearing this, Sajila says that you can't do this to me, I still love you. Karti and Shaani, whatever I did was only for your good because I wanted to see you happy and I knew very well that if we got married Shanze would have taken everything back from you and now that's not the case. She will do it and I myself have told her that she will include me in your life. Hearing this, Shani says that what was the last thing you needed to say. She wants to see you happy, if she is doing all this for your love then what is wrong in that, hearing this, Shani says it can't be, I can never do it.
On the other hand, Nadia now comes to know the whole truth, how cunningly Khawar took the store and all this from Shanze. When she asks Khawar about it, Khawar flatly refuses. I don't want to live with you nor do I want to have any kind of relationship with you. Khawar says what is the use of talking like that now, why are you talking like that, you know very well how much I love you, Nadia says. I can never love you, no one can ever have a person like you, you have lied before and you are still lying. Everything is mine and I am leaving here with everything. Hearing this, Khawar says that you will not be crazy, but Nadia insists that she wants a divorce from Khawar. Khawar tries to convince Nadia once again and he says to Nadia that what was supposed to happen has happened, I promise not to do anything like that in the future.
On the other hand, Shanze has decided that she will get Sajila and Shani married in any case, which once again Samia Begum talks about it, she gets very angry and says that you have no shame. How can you think such things, you have got Shani with a lot of difficulty. If Shani marries Stylish then you will have no importance in her life. I got Shani, even if Shani became mine, he could not be mine. Shani still thinks only about Stylish. Hearing this, his mother says that whatever it is, but now he is with you, you need him now. One should not think such things. Stylish is not in her life now. Stylish will marry someone else and move ahead in her life. Shani will also realize that he will be yours only if you do all this for him. After hearing this, Shanze says that no, I can't change my decision this time. Shanze's mother from the front says that you won't be crazy if your father finds out about all this. So they will never forgive you.
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Thursday, March 30, 2023
Home Loan Rates in Australia
When it comes to purchasing a home in Australia, most people need to take out a home loan. Home loan rates in Australia can vary depending on a range of factors, including the lender, the loan type, and the borrower's financial situation. In this article, we will discuss everything you need to know about home loan rates in Australia, including what they are, how they work, and what factors influence them.
What are Home Loan Rates?
Home loan rates, also known as mortgage rates, are the interest rates charged on a home loan. This interest rate is the cost of borrowing money from the lender and is usually expressed as a percentage of the loan amount. Home loan rates can vary significantly between lenders and loan types, and they can also change over time due to a range of factors.
How Do Home Loan Rates Work?
Home loan rates work by determining the cost of borrowing money from the lender. When a borrower takes out a home loan, they agree to pay back the loan amount plus interest over a set period. The interest rate is the cost of borrowing that money and is usually paid monthly as part of the loan repayment. The interest rate can be fixed or variable, which means it can either stay the same or change over time, depending on the loan type.
What Factors Influence Home Loan Rates?
Several factors can influence home loan rates in Australia, including:
Reserve Bank of Australia (RBA) Cash Rate
The RBA cash rate is the interest rate at which banks can borrow or lend money to each other overnight. The RBA sets this rate and uses it to influence the overall level of interest rates in the economy. When the RBA raises or lowers the cash rate, it can affect home loan rates across the country.
Lender Funding Costs
Lender funding costs are the costs that a lender incurs when borrowing money from other institutions or investors to fund their lending activities. These costs can vary over time and can influence the interest rates that a lender charges on their home loans.
Loan Type and Features
The type of home loan and its features can also influence the interest rate. For example, a fixed-rate home loan may have a higher interest rate than a variable rate loan, but it offers the security of knowing what the repayments will be for the fixed period. Similarly, a loan with additional features like an offset account may also have a higher interest rate.
Borrower's Financial Situation
The borrower's financial situation can also play a role in determining the interest rate they are charged. Factors like credit score, income, and employment status can all influence the lender's assessment of risk and determine the interest rate they offer to the borrower.
Types of Home Loans in Australia
There are several types of home loans available in Australia, each with different interest rates and features. Some of the most common types of home loans in Australia include:
Variable Rate Home Loans
Variable rate home loans have an interest rate that can change over time. This means that the borrower's repayments can also vary, depending on the movements in the interest rate.
Fixed Rate Home Loans
Fixed rate home loans have an interest rate that is locked in for a set period, usually between 1 and 5 years. This means that the borrower's repayments will stay the same during this period, regardless of any changes in interest rates.
Split Rate Home Loans
Split rate home loans allow borrowers to split their home loan between fixed and variable interest rates. This means that they can enjoy the benefits of both loan types, including security and flexibility.
Interest-Only Home Loans
Interest-only home loans allow borrowers to only pay the interest component of the loan for a set period, usually between 1 and 5 years. This can help borrowers manage
Insurance Quotes: Everything You Need to Know
As a responsible adult, it's important to
protect yourself, your family, and your assets from the unexpected. Insurance
is one of the best ways to do this, but with so many different types of
insurance available, it can be hard to know where to start. This is where
insurance quotes come in. In this article, we'll explore what insurance quotes
are, why they're important, and how you can get the best quotes for your needs.
Table of Contents
What are insurance quotes?
Why are insurance quotes important?
How do insurance quotes work?
Types of insurance quotes
Auto insurance quotes
Home insurance quotes
Life insurance quotes
Health insurance quotes
Factors that affect insurance quotes
Age and gender
Driving record
Credit score
Location
Type of coverage
How to get insurance quotes
Online quotes
In-person quotes
Phone quotes
Tips for getting the best insurance quotes
Shop around
Bundle policies
Raise your deductible
Improve your credit score
Insurance quote scams to watch out for
Conclusion
FAQs
What are insurance quotes?
An insurance quote is an estimate of how much
you'll pay for a particular insurance policy. It's an offer from an insurance
company to provide you with coverage for a certain amount of money. Insurance
quotes are typically free and can be obtained from insurance agents or online
through insurance company websites.
Why are insurance quotes important?
Insurance quotes are important because they give
you an idea of how much you can expect to pay for insurance coverage. This
allows you to compare prices and coverage options from different insurance
companies, helping you find the best policy for your needs and budget. Without
insurance quotes, it would be much harder to determine whether you're getting a
fair price for insurance coverage.
How do insurance quotes work?
When you request an insurance quote, you'll be
asked to provide some basic information about yourself, such as your name, age,
and address. You'll also be asked about the type of coverage you're looking
for, such as auto insurance or home insurance. Based on this information, the
insurance company will provide you with an estimate of how much you can expect
to pay for coverage.
Types of insurance quotes
There are several types of insurance quotes,
each of which applies to a different type of insurance policy. Some of the most
common types of insurance quotes include:
Auto insurance quotes
Auto insurance quotes are estimates of how much
you can expect to pay for car insurance. They take into account factors such as
your driving record, the type of car you drive, and your age and gender.
Home insurance quotes
Home insurance quotes are estimates of how much
you can expect to pay for homeowners insurance. They take into account factors
such as the value of your home, the age of your home, and your location.
Life insurance quotes
Life insurance quotes are estimates of how much
you can expect to pay for life insurance coverage. They take into account
factors such as your age, health, and lifestyle habits.
Health insurance quotes
Health insurance quotes are estimates of how
much you can expect to pay for health insurance coverage. They take into account
factors such as your age, health status, and whether you smoke.
Factors that affect insurance quotes
Several factors can affect the cost of insurance
quotes, including:
Factors that Affect Insurance Quotes
When shopping for insurance, you may notice that
the quotes you receive can vary widely depending on various factors. Here are
some of the most significant factors that can impact your insurance quotes.
Age and Gender
Your age and gender can play a significant role
in determining your insurance quotes. Younger drivers, particularly those under
the age of 25, may be charged higher rates due to their perceived higher risk
of accidents. Similarly, male drivers may pay more than female drivers due to
statistical evidence of higher rates of accidents among men.
Driving Record
Your driving record is another critical factor
that can impact your insurance quotes. If you have a history of accidents,
traffic violations, or other incidents, you may be considered a higher risk and
charged more for coverage.
Credit Score
Many insurance companies also consider your
credit score when determining your insurance quotes. People with higher credit
scores are often viewed as more responsible and less likely to file claims,
leading to lower rates.
Location
The location where you live can also impact your
insurance quotes. For example, if you live in an area with high crime rates or
severe weather conditions, you may be charged more for insurance coverage.
Similarly, if you live in an area with a high population density, you may pay
more for auto insurance because the risk of accidents is higher. Additionally,
some states have different insurance regulations and requirements, which can
affect the cost of insurance coverage. It's important to consider location when
shopping for insurance quotes and to compare quotes from different providers to
find the best price for your needs.
Type of Coverage
The type of coverage you choose can also affect
your insurance quotes. For example, if you opt for a policy with a higher
coverage limit, you may pay more in premiums. Similarly, if you choose a policy
with a lower deductible, you may pay more upfront but less in the long run if
you need to file a claim.
How to Get Insurance Quotes
There are several ways to obtain insurance
quotes, including online, in-person, and over the phone.
Online Quotes
Many insurance providers offer online quote
tools that allow you to enter your information and receive a quote instantly.
This method is convenient and can help you compare rates from multiple
providers quickly.
In-Person Quotes
If you prefer a more personal touch, you can
also visit an insurance provider's office and speak with an agent directly.
They can answer any questions you may have and provide you with a quote based
on your needs.
Phone Quotes
Some insurance providers also offer quotes over
the phone. This method may be more time-consuming but can be useful if you have
specific questions or concerns that you want to address with an agent.
Tips for Getting the Best Insurance Quotes
If you want to get the best insurance quotes
possible, here are some tips to keep in mind:
Shop Around
Don't settle for the first quote you receive.
Shop around and compare rates from multiple providers to find the best deal.
Bundle Policies
Many insurance providers offer discounts if you
bundle multiple policies, such as auto and home insurance. Consider combining
your policies to save money.
Raise Your Deductible
Increasing your deductible can lower your
monthly premiums, but remember that you'll need to pay more out of pocket if
you need to file a claim.
Improve your Credit Score
Your credit score is a reflection of your
creditworthiness, which is an important factor for insurers. They use your
credit score to determine the likelihood that you'll make your payments on time
and to assess the risk of insuring you. If you have a poor credit score, it
indicates that you may be a higher risk, and insurers may charge you more for
coverage.
Fortunately, there are ways to improve your
credit score, and doing so can result in significant savings on your insurance
premiums. Here are a few tips for improving your credit score:
Pay your bills on time: Late payments can hurt
your credit score, so it's crucial to pay your bills on time, including your
credit card bills, loans, and any other debts you have.
Keep your balances low: High balances on your
credit cards can hurt your credit score, so it's best to keep your balances low
and pay off your credit cards in full each month.
Use credit responsibly: Only apply for credit
when you need it, and don't use more credit than you can afford to repay.
Applying for too much credit can hurt your credit score.
Check your credit report regularly: Review your
credit report regularly to ensure that it's accurate, and dispute any errors
you find.
Insurance Quote Scams to Watch Out For
When shopping for insurance, it's essential to
be on the lookout for scams that can cost you money and put your personal
information at risk. Here are a few common insurance quote scams to watch out
for:
Phishing scams: Scammers may send you emails or
text messages that look like they're from an insurance company, but they're
actually trying to steal your personal information.
Fake insurance companies: Some scammers may
create fake insurance companies and offer low rates to attract customers.
However, if you buy coverage from a fake company, you may be left without
insurance when you need it.
Pressure tactics: Some insurance salespeople may
use high-pressure tactics to get you to buy coverage you don't need or want. Be
wary of salespeople who push you to make a quick decision.
Conclusion
Your credit score is a crucial factor in getting
lower insurance quotes, so it's essential to take steps to improve it if
necessary. By paying your bills on time, keeping your balances low, using
credit responsibly, and checking your credit report regularly, you can improve
your credit score and save money on insurance premiums. Additionally, it's
important to be on the lookout for insurance quote scams and to take steps to
protect your personal information.
FAQs
Can my credit score affect my insurance rates?
Yes, your credit score can have a significant
impact on the quotes you receive for insurance coverage.
How often should I check my credit report?
You should check your credit report at least
once a year to ensure that it's accurate and up-to-date.
How can I protect myself from insurance quote
scams?
Be wary of unsolicited emails or phone calls,
and never give out your personal information unless you're sure it's a
legitimate insurance company.
What should I do if I find an error on my credit
report?
If you find an error on your credit report, you should dispute it with the credit bureau that reported the error.
Monday, March 27, 2023
How to
Apply for Prime Minister Youth Loan Scheme
The Prime Minister Youth Loan Scheme is an initiative by the
Government of Pakistan to provide financial assistance to the youth of the
country for starting their own business or improving existing ones. The scheme
aims to promote entrepreneurship among the youth and help them become
self-sufficient. In this article, we will discuss how to apply for the Prime
Minister Youth Loan Scheme.
Understanding the Prime Minister Youth Loan Scheme
Before applying for the Prime Minister Youth Loan Scheme, it
is important to understand what the scheme is all about. The scheme provides
loans of up to Rs. 50,00,000 to eligible individuals between the ages of 21 and
45. The loans are interest-free and can be repaid over a period of 8 years,
with a grace period of one year.
The scheme has several objectives, including creating job
opportunities for the youth, encouraging entrepreneurship, and promoting
economic growth. The loans can be used for various purposes, such as setting up
a new business, expanding an existing business, or purchasing machinery or
equipment.
Eligibility Criteria
To be eligible for the Prime Minister Youth Loan Scheme,
applicants must meet certain criteria. The eligibility criteria include:
Age Limit
Applicants must be between the ages of 21 and 45.
Educational Qualification
Applicants must have at least a matriculation certificate.
Business Plan
Applicants must have a well-defined business plan.
Credit History
Applicants must have a good credit history.
Steps to Apply
To apply for the Prime Minister Youth Loan Scheme, follow
these steps:
Step 1: Business Plan Preparation
Prepare a detailed business plan that outlines your business
idea, market analysis, financial projections, and management structure.
Step 2: Loan Application Form
Obtain a loan application form from the Prime Minister Youth
Loan Scheme website or the nearest National Bank of Pakistan branch.
Step 3: Document Submission
Submit the loan application form along with the required
documents, including a copy of your CNIC, educational certificates, business
plan, and bank statements.
Step 4: Business Plan Review
The loan application and business plan will be reviewed by a
team of experts to assess its viability.
Step 5: Loan Approval
If your loan application is approved, you will receive a
letter of offer, which outlines the terms and conditions of the loan.
Step 6: Loan Disbursement
Once you accept the offer, the loan will be disbursed to
your bank account.
Required Documents
The following documents are required to apply for the Prime
Minister Youth Loan Scheme:
Copy of CNIC
Educational Certificates
Business Plan
Bank Statements
Conclusion
The Prime Minister Youth Loan Scheme is a great initiative
by the Government of Pakistan to promote entrepreneurship among the youth. By
following the steps outlined in this article, you can easily apply for the
scheme and avail the benefits of interest-free loans.
FAQs
Can I apply for the Prime Minister Youth Loan Scheme if I am
over 45 years of age?
No, the scheme is only available for individuals between the
ages of 21 and 45.
Is there a processing fee for the Prime Minister Youth Loan
Scheme?
No, there is no processing fee for the scheme.
Can the loan be repaid before the end of the 8-year period?
Yes, the loan can be repaid before the end of the 8-year
period.
Can I use the loan for personal expenses?
No, the loan can only be used for business purposes.
How long does it take to process a loan application?
The processing time varies, but it usually takes between 4-6 weeks.