u/usamahahmad

Finally hit 10km!

Finally hit 10km!

Woohoo! I feel so happy. Legs hurt, but what the heck - will recover over night I hope 🙏

u/usamahahmad — 4 days ago

Salaams all. I had invested 20% of my annual income in VPS and availed the 20% tax credit in FY 25-26. I understand early withdrawal attracts the average tax rate of the past 3 years. However I'm also told that the tax deduction is withholding, which means it can be adjusted again through payroll. Is this correct? In that case it's technically zero tax, right? Or am I misreading the taxable part? Please guide.

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u/usamahahmad — 15 days ago

Salaams all. I'm not a daily cyclist, but I do cycle 3 times a week. I alter between walk/run and cycle on alternate days. I managed to complete 10km today and specs are in the image.

Can someone guide how can I increase my speed and distance? There are times when I have to shift to lower gear on very average inclination. I can feel the strain on my upper thighs and calves. Any exercises to reduce this strain and fully enjoy my rides?

I'm 5'7 and weight is currently 76kg. Thank you!

u/usamahahmad — 16 days ago