Personality Development Book – Sagheer Ahmed

Personality Development Book – Sagheer Ahmed

The books has following topics

  • Faith
  • Habit of learning/thirsty of knowledge
  • Negation of rigidity/Politeness
  • Words v/s Actions
  • Money and character
  • Theory of replacement
  • Discipline of life
  • Awareness of right and wrong
  • Communication
  • Self control
  • Learning from past
  • Concept of accountability
  • Mortal v/s Non-mortal
  • Choice of words
  • Emotional Intelligence
  • Knowledge and knowledgeable person
  • Role of hilal diet
  • Role of technology
  • Study about hormones
  • Role of daily planning(Domino theory)
  • Learning from mistakes
  • Negative effect of rumor philosophy
  • Law of attraction
  • Break the pattern
  • Economic policy for yourself
  • Role of tongue
  • Choice of path
  • Role of friends’ company
  • How to destroy time and money
  • General bad habits
  • Aggressive Behavior
  • Aim of life
  • Habit of repetition
  • Importance of time and health
  • Local to global bad habits
  • Best way of teaching
  • About will
  • 2 + 2 = 4
  • Comparison is the theft of joy
  • Human with commitment

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Why is failure frequency of new business high?

Why is failure frequency of new business high?

In last couple of year, I gave thousands of answers about business queries to mosaic Hub and direct my own clients, in these questions, 50% common query how start a new business? Or why is my new business declined? I reply all of them, you have not business plan or maybe you have poor business plan.

So I want to define in the following points about the relations of business plan and business declination:

1-They did that type of business, which is not alien of their previous experience.

2-Poor home-work about the business scenario and most of stranger business-man think that they know all the ups and down about this business actually somebody says and right says “only goof know the all knowledge”.

3-Poor study of competitor/no study.

4-Poor judgment or overestimation of their own skills.

5-No training standard of team/ self

6-Launching of business is without any Operation Research (OR) model.

7-They had burned own capital amount without financial policy.

8-There are not proper uses of technologies.

These are the some points from the many blunders of those peoples who could not follow any business plan as a business consultant and as a business coach my experience is, that most of people do not want to learn from their mistakes because, they are became lazy day by day with the respect of body, with the respect of brain,…

Now, I tell you about the solution of above queries:

1-Attend educational training program from professional.

2-First make business plan then launching business.

3-Poper use technologies.

Are we responsible of our health?

Are we responsible of our health?

WHO said that we are losing war against the diseases,…, yes its true because most of people including doctors are not health and not live happy life. My research find following unhealthy point or facts of our daily life:

  • Most of people feel tired or fatigue when they are working continuously 5 hours.
  • Awaken state are not fresh because they have many sleep disorder problems.
  • Waist/Hip ratio is above than 0.7 of female and 1.2 of male.
  • Brown-White fat ratio is poor.
  • Not awareness of medicine, therefor totally depends on doctors.
  • Not awareness about diet, only taste lover.
  • Not awareness about massage therapy, according to my study more than 60% body problems resolve by massage.
  • Not proper awareness about exercise according to our body, age, and shape.
  • Not proper knowledge of hormones relation with mood swings.

………………and many many more…………

All of above are the mothers of many diseases and problems, but I defined only one because of shortage time, that woman whose W/H ratio is greater than .075  her child has poor memory,…

Now come to solution of above problems, please divide your whole day with the respect of following break-up:

  • Adopt professional diet plan
  • Adopt professional massage plan
  • Adopt professional multivitamin plan
  • Adopt professional inspirational, motivational, and relaxation habits.

Some basics tests are necessary on the annually basis:

  • Vitamin D
  • TSH
  • LFT
  • Kidney efficiency
  • Sugar
  • Cholesterol
  • Vitamin B-12

I think so you got my point, why are people busy in health? With the respect of money, with the respect of time,…, please avoid general physician, always concern professional, research base consultant. May Allah bless you and may give you strength (capability/ability) to right decision.

Summer Vacation Planing for Children,…,from Parnets

Summer Vacation Planing for Children,…,from Parnets

Summer Vacation Planning for Children…,…,…,from Parents

Change the routine, not to destroy the routine…

I became in a shock when I saw that parents are not planed the summer vacation, after research I could divide parents in three following types:

1-Totally unaware or ignore the summer vacation

2-Admit the children in any summer camp without study this camp

3-Arrange plane for whole summer vacations, day to day, hour to hour

As I was wrote in last article “why is your child not break any international record?”, Because you are dull, your children are not, (if you are unplanned),I came back to present topic, what is the planning of summer vacations? So it has a simple answer, design syllabus of summer vacation,…yes its summer vacations not school home work,in this syllabus we defined:

1-Targets (in education, in health, in habits, in social activities)

2-How achieved it?(its your sixty days game plane)

3-How judge it at last(end of the vacations how conclude it)

For the explanation of above three questions/statements we need example:

Nabeel is the student of class I, he is weak in maths and science, but has many complains, he is not physically fit, 5 kg underweight, bone weakness, abnormal shape, poor reflexes and poor stamina.

He is above than out spoken, use vulgar vocabulary, not respect the elders, and also use negative signs with poor face expressions, negative use of smart phone.

He is too much thirsty/addict of cartons, and /therefor he does not like those types of friends who are good in education (good like good, bad like bad), ….

Now we design plane summer vacations for this type of boy….

1-Education time divide in three sessions:

-1 hour morning maths and science.

-1 hour noon school home work.

-1 hour night for language.

2- For physical fitness also divide three phases strategy:

-Improve diet e.g salad, fruits ,fresh juice, wall nut, Almond and spinach

-Introduce swimming exercises

-Introduce brain-body reflexes improvement games e.g football, hockey, throwing ring, throw ball in basket

3-Introduce 1 hour session for his/her counseling and by the help of family coach, and apply inspirational and motivational tips in whole day.

4-Introduce one small session for habit changing.

At the same times arrange four picnics between summer vacations and fun. According to my practice above plane is good for all but/if you feel your child has some different qualities/habits/disease the contact to your family coach and modified above model with the respect to your child….

The purpose of a vacation is to have the time to rest. But many of us, even when we go on vacation, don’t know how to rest. We may even come back more tired than before we left.

Nhat Hanh


Importance of family coach

Importance of family coach

The Prophet Muhammad (Sallallahu alayhi wa Sallam) has stated that “No father can give his child anything better than good manners(Complete Education)” (Tirmidhi).

I am a professional family coach and councilor of more than 100 families, so I find 80% parents live in Utopian world, they feel that they are ideal parents for their children, but my question is ‘why are your children not in following list’

Ayan Quresh

Pakistani-Briton Ayan Qureshi last month became the youngest every Microsoft Certified professional, accomplishing the feat at the age of five years, 11 months. Ayan appeared in exams in October 2014, crossing Mehroz Yawar who passed the exam at the age of six and a half. The young victor is a 2009 Lahore-born but soon after his family moved to London.

  Mehroz Yawar

The title of youngest Microsoft Certified Professional was in the court of Mehroz Yawar before Ayan Qureshi. He passed the exam at the early age of six and a half in April 2014. He is a resident of Lahore and successfully passed the standard examination procedure for the certification. Mehroz appeared in the exams of Microsoft Certified Solutions Associate (MCSA) and excelled with amazing scores.

Muhammad Huzair Awan

Another shining star, Muhammad Huzair was also among the list of World’s youngest Microsoft Certified in 2013 and passed the test with a score of 780 out of 1000. He also lives in Lahore and passed the certification exam at the age of six-and-a-half years.

Shafay Thobani

Born on 13 March 2004 in Texas, USA, Shafay Thobani is a young IT prodigy from Pakistan who started learning computers at the age of 4 and appeared in the tests on April 2012, securing incredible 910 marks out of 1000. He came under prominence by becoming The World’s Youngest Microsoft Certified Technology Specialist in the world at the age of 8 years and 24 Days.

Aruba Rao

Aruba Rao is another little star who lives in Sargodha Punjab and is another computer prodigy who at the age of 11 years gained the title of Microsoft Certified Professional (MCP) in January 2012 and made the nation proud.

Babar Iqbal

Babar Iqbal, born on March 2, 1997, belongs to Dera Ismael Khan, Khyber Pakhtunkhwa and grabbed this title of youngest Microsoft Certified Professional (MCP) in the world at the age of 9 in 2006.

Babar has made four world records including Youngest Microsoft Certified Professional (MCP) at the age 9 years, Youngest Certified Wireless Network Administrator (CWNA) at the age 9 years and Youngest Certified Web Professional Associate (CIWA) at the age of 10 and a recent fourth record he made as Youngest Microsoft Certified Technology Specialist (MCTS) at the age of 12 in Dubai, which are amazingly massive achievements.

Arfa Abdul Karim Randhawa (Late)

Last but not the least, Arfa Karim, daughter of the nation who was born in February 1995. Soon after she turned 9 years, was awarded with the title of youngest Microsoft Certified Professional (MCP) in 2004.


Because you live n pseudo world, your observation is poor, and you are the example of dark room people who think darkness is reality and brightness is death, so please awake and work on your future, we share some data with you.

  • Average IQ levels :
Grade Range Percent
Genius 144 0.13%
Gifted 130-144 2.14%
Above average 115-129 13.59%
Higher average 100-114 34.13%
Lower average 85-99 34.13%
Below average 70-84 13.59%
Borderline low 55-69 2.14%
Low <55 0.13%

Average vocabulary for/of different ages. :

1-Most adult test-takers range from 20,000–35,000 words

2-Average test-takers of age 8 already know 10,000 words

3-Average test-takers of age 4 already know 5,000 words

4-Adult test-takers learn almost 1 new word a day until middle age

5-Adult test-taker vocabulary growth basically stops at middle age

6-The most common vocabulary size for foreign test-takers is 4,500 words

7-Foreign test-takers tend to reach over 10,000 words by living abroad

8-Foreign test-takers learn 2.5 new words a day while living in an English-speaking country

Average height with respect to ages and gender.

Average weight with respect to ages and gender.


Can your child meet above data? Yes, so good,…No ,it’s a sign of anxiety, please don’t waste the time and consult the professional and check their present status and with the help of professional design plan for your child,…, in which following point would be added:

  • Nutrients with respect of age, class, and body.
  • Exercises (Aerobic, stretch, cross fit).
  • Day Routine with relaxation habits.
  • Physical games (e.g football, hockey, badminton etc)
  • Brain games ( e.g jigsaw puzzles, number system, bar line )
  • How improve the reading and writing habits.
  • Annual calendar with the respect of picnic.

As The Family Coach, I believe that there isn’t one solution for everyone. Instead, the best way to resolve an issue is with a unique, individualized plan that takes into account such factors as the family’s schedule, lifestyle and personality. The family coach is a calming presence who listens carefully and offers user-friendly advice to immediately improve the happiness in a household.

This is your opportunityor choice to transform yourself into a more positive,and create a world where children and you,… people are happy, productive, awake and alert to their own strengths, full potential and love and compassion. A world where young people and their parents and families are in unison for a common expression for good.

I don’t think anybody feels like they’re a good parent. Or if people think they’re good parents, they ought to think again.

Joan Didion


Business Plan By Sagheer Ahmed

Business Plan By Sagheer Ahmed


By Sagheer Ahmed

Islam encourages work in general, and trade and commerce in particular. The Quran states: ‘God has made business lawful for you’ (Quran 2:275), and

Prophet Mohammad says: ‘Nine tenths of sustenance is in commerce’. Prophet Mohammad was himself engaged in commerce before prophet-hood. He

was a successful businessman known for integrity and he bore the title, ‘the trustworthy’ (Kattih n.d.).

Islamic business practices and perspectives represent an alternative to the way business is conducted today. Islam requires that traders, both

Organizations and individuals, achieve a balance between commercialism and humanitarianism, and between profit and social responsibility. Not only

does this approach to business conduct provide a solution to the problems of profiteering, customer exploitation, irresponsible corporate governance and

environment destruction, it seeks to promote positive aspects of business such as honest conduct, reasonable profit, fair competition, high standard of service

culture, business partnership, cooperation, minimum wage for employees and basic consumerism principles such as the right of buyers to return purchased

goods (Yusoff 2002).

In general, all Muslim practices and acts are classified under the following categories.

  1. Halal, or permissible. It has three levels:

o Wajib, or duty; obligatory acts. Failure to perform them is a sin. Duty can be described as the Core Halal, without which a firm can’t be seen as Shariah-compliant. Implications: firms must perform Wajib. Examples include being honest and transparent.

o Mandoob, or likeable; preferable but not obligatory. Not performing Mandoob is not a sin. Likeable can be described as the Supplementary Halal. Implications: do if possible. Examples include being helpful and going the extra mile.

o Makrooh, or despised; not preferable, discouraged by religion and usually seen as a last resort. Engaging in Makrooh doesn’t result in a sin unless it leads to one. The most obvious example of Makrooh in Islam is divorce! Although it is ShariahIslamic compliant, it represents the border between compliance and

non-compliance. It is loathed by society. Implications: avoid if possible.

  1. Mushtabeh, or doubted; acts that a Muslim should refrain from because they might be Haram themselves or they might lead to Haram. Businesses should refrain as much as they can from engaging in doubted activities for the fear of being perceived to be unscrupulous by Muslim consumers. Firms engaging in these activities risk a Fatwa being issued against them.
  2. Haram, or not permissible; all acts condemned explicitly or implicitly by the Islamic religion. Engaging in them or in activities

leading to them is a sin.




  • Market re-search………………………….why?
  • Market re-search……………………………what?
  • Market re-search…………………………..How?
  • Title or name …with respect to name, with respect to business, with respect to location, with respect to era.
  • Motto…with respect to business.
  • Dimensions
  • Competitor
  • Mission Statement.
  • Vision Statement.
  • Location……with respect to positive and negative aspects.
  • Team…………..with portfolio.
  • Finance……..Fix and Running.
  • Finance Management……with feasibility report in the form of chart.
  • Business Formula.
  • Business Flow…with the help of flow chart.
  • Mathematical Model of Production…with cost estimation method.
  • Promotion Strategy ……..with Probability or regression model.
  • Risk factor…with your weak points (S (strengths) W (weaknesses) O (opportunities) T (threats) Analysis).
  • Role of Technology.
  • Growth Graph.
  • Break Even.
  • Business related Dua…Istikhara, Nawafal and dua of starting,dua for bad nazar,dua of success,dua for burkat in rizk.
  • Business related Sharia Points.

Business people should try to conduct their business dealings with practicing Muslims whenever possible. This is so for the following reasons:

  1. 1. Practicing people seek ‘blessing’ before ‘profit’.
  2. 2. You are less likely to be cheated. Prophet Mohammad says: ‘He who cheats is not of us [the Muslims].’
  3. 3. You are more likely to get a better deal. Prophet Mohammad says: ‘May Allah have mercy on those who are easy when they sell, easy

when they buy … God loves kindness when you deal with any matter.’

  1. 4. In case of dispute you are likely to get off with less harm. Prophet Mohammad says: ‘May Allah have mercy on those who are easy

when they judge, easy when they sue.’

  1. You are more likely to be treated better. Muslim scholars accept the rule that ‘Religion is treatment’ which means that how people deals

with all others, how they conduct their affairs, how they performs their duties and so on are what makes people religious.

  1. 6. If you receive a present from Muslims or if they invite you to a meal or a social activity, nothing will be expected in return. Bribery

is totally forbidden in Islam and therefore practicing Muslims will neither give it nor take it.Practising Muslims are those who strive to comply with the teachings of Islam, such as perform the Muslim daily five prayers, fast the month of Ramadan, give a yearly charity of 2.5 per cent from their wealth and perform pilgrimage to Mecca once in their life time.

How to identify practicing Muslims? Look for the following:

  1. 1. Long well-maintained beards.
  2. 2. If you are dealing with Arabs from the Arabian Peninsula, the long white dress men wear will not touch the ground since men are

forbidden from wearing very long dresses, it is considered a sign of pride. Pride is for Allah alone. Prophet Mohammad says: ‘Shall

not enter paradise anyone who has an atom of pride in his heart.’

  1. 3. Oil-based essences instead of alcohol-based perfumes.
  2. 4. The words Allah (God), Ma Sha Alla (what Allah had willed) and In Sha Alla (if Allah wills) are repeated very often during greetings

and conversations. Even if you don’t understand the language of the people you are dealing with, train your ear to recognize these

words because they are good indicators of religious commitment. It doesn’t matter that these words are in Arabic, Muslims all over the

world use Arabic as their language of religion.

  1. Practicing older Asian and South Asian Muslims in general dye their long beards red or ginger.
  2. 6. Don’t confuse the short beard of an older man that has been dyed black with a long beard indicating religious commitment; the

former indicates longing for a long-gone youth!

  1. During meetings, practicing Muslims will take breaks to perform their prescribed five daily prayers. They are very strict about performing these prayers at the exact prescribed time (dawn, noon, afternoon, sunset, early night) and they are unforgiving about the timing. A prayer break will be taken no matter how important the issue being discussed or the stage of the discussions.




Business:   An organization or economic system where goods and services are exchanged for one another or for money.

Plan                : Written account of intended future course of action (scheme) aimed at achieving specific goal(s) or objective(s) within a specific       timeframe. It explains in detail what needs to be done, when, how, and by whom, and often includes best case, expected case, and worst case scenarios.

     Business Plan: Set of documents prepared by a firm’s management to summarize its operational and financial objectives for the near future (usually one to three years) and to show how they will be achieved. It serves as a blueprint to guide the firm’s policies and strategies, and is continually modified as conditions change and new opportunities and/or threats emerge. When prepared for external audience (lenders,prospective investors) it details the past, present, and forecasted performance of the firm. And usually also contains pro-forma balance sheetincome statement, and cash flow statement, to illustrate how the financing being sought will affect the firm’s financial position.


     Mission Statement: A written declaration of an organization’s core purpose and focus that normally remains unchanged over time. Properly crafted mission statements (i) serve as filters to separate what is important from what is not, (ii) clearly state which markets will be served and how, and (iii) communicate a sense of intended direction to the entire organization.

     Vision Statement : An aspirational description of what an organization would like to achieve or accomplish in the mid-term or long-term future. It is intended to serves as a clear guide for choosing current and future courses of action.

     Production : The processes and methods used to transform tangible inputs (raw materialssemi-finished goodssubassemblies) and intangible inputs (ideasinformationknowledge) into goods or servicesResources are used in this process to create an output that is suitable for use or has exchange value.
Factors of production:
Resources required for generation of goods or services, generally classified into four major groups:

  1. Land(including all natural resources),
  2. Labor(including all human resources),
  3. Capital(including all man-made resources), and
  4. Enterprise (which brings all the previous resources together for production).


Good Will: Assumed value of the attractive force that generates sales revenue in a business, and adds value to its assets. Goodwill is an intangible but saleable asset, almost indestructible except by indiscretion. It is built painstakingly over the years generally with (i) heavy and continuous expenditure in promotion, (ii) creation and maintenance of durable customer and supplier relationships, (iii)high quality of goods and services, and (iv) high quality and conduct of management and employees. Goodwill includes the worth of corporate identity, and is enhanced by corporate image and a proper location. Its value is not recognized in account books but is realized when the business is sold, and is reflected in the firm’s selling price by the amount in…

Profit : The surplus remaining after total costs are deducted from total revenue, and the basis on which tax is computed and dividend is paid. It is the best known measure of success in an enterprise.

Profit is reflected in reduction in liabilities, increase in assets, and/or increase in owners’ equity. It furnishes resources for investing in future operations, and its absence may result in the extinction of a company. As an indicator of comparative performance, however, it is less valuable than return on investment (ROI). Also called earningsgain, or income.

Depreciation : Accounting: The gradual conversion of the cost of a tangible capital asset or fixed asset into an operational expense (called depreciation expense) over the asset’s estimated useful life.

The objectives of computing depreciation are to (i) reflect reduction in the book value of the asset due to obsolescence or wear and tear, (iispread a large expenditure (purchase price of the asset) proportionately over a fixed period to match revenue received from it, and (iii) reduce the taxable income by charging the amount of depreciation against the company’s total income. In effect, charging of depreciation means the recovery of invested capital, by gradual sale of the asset over the years during which output or services are received from it. Depreciation is computed at the end of an accounting period (usually a year), using a method best suited to the particular asset. When applied to intangible assets, the preferred term is amortization.

Investment: 1Money committed or property acquired for future income.

  1. 2. Two main classes of investment are (i)Fixed income investmentsuch as bondsfixed depositspreference shares, and (iiVariable income investment such as business ownership (equities), or property ownership. In economics, investment means creation of capital or goods capable of producing other goods or servicesExpenditure on education and health is recognized as an investment in human capital, and research and development in intellectual capitalReturn on investment (ROI) is a key measure of an organization’s performance.

Capital :  Wealth in the form of money or assets, taken as a sign of the financial strength of an individualorganization, or nation, and assumed to be available for development or investment.

Break-even analysis :calculation of the approximate sales volume required to just cover costs, below which production would be unprofitable and above which it would be profitable. Break-even analysis focuses on the relationship between fixed costvariable cost, and profit.

Risk analysis : Corporate: As a component of risk management, it consists of (i) Identification of possible negative external and internal conditionsevents, or situations, (ii) Determination of cause-and-effect (causal) relationships between probable happenings, their magnitude, and likely outcomes, (iiiEvaluation of various outcomes under different assumptions, and under different probabilities that each outcome will take place, (iv) Application of qualitative and quantitative techniques to reduce uncertainty of the outcomes and associated costsliabilitiesor losses.

Business growth: The process of improving some measure of an enterprise’s successBusiness growth can be achieved either by boosting the top line or revenue of the business with greater product sales or service income, or by increasing the bottom line or profitability of the operation by minimizing costs.

Profit/loss graph: A graphical representation that indicates the potential profit or loss of an investment at a given time (usually at the expiration of the option) and at various stock prices, in order to inform business decisions on such investment. It is also known as a “risk graph” and it allows investors to devise countermeasures if and where high risk is involved.

Break-even graph: Line graph used in breakeven analysis to estimate when the total sales revenue will equal total costs; the point where loss will end and profit will begin to accumulate. Usually, the numbers of units are plotted on horizontal (‘X’) axis and total sales dollars on vertical (‘Y’) axis. Point where the two lines or curves intersect is called the is also called breakeven chart.

Negotiation : Bargaining (give and take) process between two or more parties(each with its own aimsneeds, and viewpoints) seeking to discover a common ground and reach an agreement to settle a matter of mutual concern or resolve a conflict.

Feedback: Process in which the effect or output of an action is ‘returned’ (fed-back) to modify the next action. Feedback is essential to the working and survival of all regulatory mechanisms found throughout living and non-living nature, and in man-made systems such as education system and economy. As a two-way flow, feedback is inherent to all interactions, whether human-to-human, human-to-machine, or machine-to-machine. In an organizational context, feedback is the information sent to an entity (individual or a group) about its prior behavior so that the entity may adjust its current and future behavior to achieve the desired result. Feedback occurs when an environment reacts to an action or behavior.

Performance: The accomplishment of a given task measured against preset known standards of accuracy, completeness, cost, and speed. In a contract, performance is deemed to be the fulfillment of an obligation, in a manner that releases the performer from all liabilities under the contract.

Credit: An entry on the right-hand side of an account record in double entry bookkeeping. It has the effect of decreasing an asset or expense account, or of increasing a capital, liability, or revenue account.

PEST:A type of situation analysis in which political-legal (government stabilityspendingtaxation), economic (inflationinterest ratesunemployment), socio-cultural (demographicseducationincome distribution), and technological (knowledge generation, conversion of discoveries into productsrates of obsolescencefactors are examined to chart an organization’s long-term plans.

SWOT: Situation analysis in which internal strengths and weaknesses of an organization, and external opportunities and threats faced by it are closely examined to chart a strategy. SWOT stands for strengths, weaknesses, opportunities, and threats.

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