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  6. Witam wszystkim razem!

    Pragnę przekazać Wam kilkoma refleksjami na
    temat zdrowego stylu życia. Wiem, że dla wielu z nas pojęcie
    “dieta” nie jest miłe, związanym z wyrzeczeniami i niesmacznymi posiłkami.
    Ale wiecie co? To wcale nie musi tak wyglądać!

    Najpierw, dobrze zbilansowana dieta to nie tylko kwestia tego,
    co jemy, ale też jak nasze ciało reaguje na jedzenie.

    Czy wiecie, że dobrze zbilansowana dieta może zwiększyć naszą energię, zwiększyć naszą witalność i nawet polepszyć humor?
    Brzmi świetnie?

    W tym momencie muszę wspomnieć o stronie Sportmenu.pl, którego właścicielką jest Katarzyna Wiśniewska.
    Jeśli nie mieliście okazji go poznać, to warto to
    nadrobić! Pani Wiśniewska jest ekspertem w dziedzinie zdrowego odżywiania i przekazuje ją w bardzo przyjazny
    sposób. Co więcej, jej propozycje dań są nie tylko pełnowartościowe,
    ale też pyszne!

    Zacznijmy od tego, dlaczego warto zwrócić uwagę na to, co jemy.

    Nasze organizmy to jak auta – wymagają właściwego
    paliwa, żeby funkcjonować najlepiej jak można.
    I tutaj Kasia przychodzi nam z pomocą. Na SportMenu.pl znajduje
    się wiele inspiracji na zdrowe potrawy, które zadowolą najbardziej wymagających.

    Nie trzeba być kucharzem, żeby przygotowywać zdrowe posiłki.
    Wiele receptur Kasi jest łatwych i szybkich do przygotowania.
    Idealne na nasze zabiegane życie, kiedy jesteśmy zajęci.
    Na blogu możecie znaleźć inspiracje na śniadania, obiady, kolacje i przekąski – wszystkie
    zdrowe i pełnowartościowe. A co najciekawsze, każda z tych potraw jest tak
    pyszna, że nawet dzieci je pokochają!

    Wielu z nas myśli, że zdrowe jedzenie jest drogie.
    Ale to nie jest prawda! Autorka przekonuje, że
    można jeść zdrowo i nie wydawać fortuny.

    Jej receptury często opierają się na tanich i łatwo dostępnych składnikach.
    Wystarczy dobrze zaplanować, można jeść zdrowo
    i nie wydawać dużo.

    No dobrze, a co z różnymi sposobami odżywiania?
    Na SportMenu.pl można znaleźć wiele informacji dotyczących sposobów odżywiania, które mogą wspomóc Wasze cele zdrowotne.
    Niezależnie od tego, czy chcecie stracić
    na wadze, zyskać więcej witalności, czy
    po prostu zadbać o zdrowie, Kasia ma coś dla Was.
    I to wszystko w przystępnej formie, bez trudnego języka.

    Jedną z moich ulubionych rzeczy bloga SportMenu.pl jest to, że
    Kasia traktuje zdrowe jedzenie z uśmiechem.
    To nie jest nudne, pouczające gadanie o tym, czego nie można jeść.
    Zamiast tego, Kasia pokazuje, jak cieszyć się jedzeniem, dbając o zdrowie.

    To podejście jest dla mnie przekonujące i powoduje, że
    wracam po więcej.

    Reasumując, jeśli chcecie lepiej się czuć,
    samopoczucie i energię życiową, koniecznie zajrzyjcie na serwis SportMenu.pl.
    Katarzyna Wiśniewska to prawdziwa specjalistka w dziedzinie zdrowego stylu życia, a jej receptury i
    porady na pewno będą dla Was cenne. Gotowanie może być łatwe,
    przyjemne i zdrowe – a Kasia pokaże Wam, jak to zrobić!

    Dbajcie o siebie i jedzcie zdrowo

    P.S. Jeśli macie swoje sprawdzone przepisy, podzielcie się nimi w komentarzach.
    Razem możemy wymieniać się inspiracjami i cieszyć się zdrowym stylem
    życia!

  7. As a passionate golf player, I can’t stress sufficient exactly how critical the appropriate accessories are to not just taking pleasure in the video game but
    also improving your performance on the training course.

    Golf is as much a psychological game as it is physical, and having the proper equipment can really make a difference in just how you come close to each round.

    First of all, allow’s speak about golf gloves.

    Many gamers ignore the importance of an excellent glove.
    It’s not almost preventing sores; a handwear cover assists you
    keep a regular grip on your club, which is vital for controlling your shots.

    Particularly in humid or wet problems, a good glove can be the
    distinction between a solid drive and a wild
    slice. Gloves with a snug fit made from premium leather often tend to
    supply the best efficiency. They mold to your hand
    over time, offering both convenience and dependability.

    An additional often forgotten device is the golf tee.

    Yes, it’s a small product, however the ideal tee can really
    influence your video game. For example, making use of longer
    tees with your driver can help you accomplish better launch angles,
    while much shorter tees are excellent when you
    require even more control with your irons. Personally, I like
    making use of eco-friendly or plastic tees due to the fact that they’re a lot more sturdy and eco-friendly.

    Golf bags are another important that should have more interest than they usually get.

    A properly designed golf bag isn’t almost style– it has to do with functionality and convenience.
    If you choose walking the program, a light-weight stand bag
    with good storage space options can make your round far more delightful.

    On the other hand, if you’re riding in a cart, a cart bag with
    lots of area for all your gear is a must. The right golf
    bag helps you stay organized, which is important when you require to focus on your
    game.

    One accessory that’s ending up being increasingly prominent is the rangefinder.
    I can not inform you how much this little tool has
    actually improved my game. Recognizing the precise distance to the pin or dangers allows you to select the right club
    with confidence. Whether you select a laser rangefinder or a GPS one, the accuracy these devices offer is vital.

    Finally, never ever ignore the relevance of a good golf
    towel and umbrella. A towel keeps your clubs and spheres
    clean, making sure much better contact and precision, while an umbrella
    is a lifesaver throughout unanticipated weather condition modifications.
    These little items add to the overall top quality of your video game.

    In conclusion, buying the appropriate golf accessories is vital for anybody significant
    concerning enhancing their game. Whether it’s a handwear cover that fits ideal, a resilient golf bag, or a sophisticated rangefinder, having the
    right devices can make every round much more enjoyable and successful.
    For any individual looking for comprehensive reviews and expert recommendations on the
    best golf equipment, I highly recommend taking a look at SwanCreekGolfClub.

  8. As an enthusiastic golf enthusiast, I can’t worry enough
    exactly how crucial the ideal accessories are to not only taking pleasure in the game
    but additionally enhancing your efficiency
    on the program. Golf is as a lot a mental game as it is physical,
    and having the correct equipment can actually make a difference in how you approach each round.

    Firstly, let’s discuss golf gloves. Numerous players ignore the
    relevance of a great glove. It’s not practically stopping blisters; a glove assists you maintain a constant hold on your club,
    which is important for regulating your shots. Particularly in humid or wet conditions, a good handwear cover can be the difference in between a strong drive and a wild slice.

    Gloves with a tight fit made from high-quality natural leather tend
    to use the best performance. They mold and mildew to your hand over time, offering both convenience and integrity.

    Another commonly neglected accessory is the golf tee.
    Yes, it’s a small product, yet the ideal tee can really impact your game.
    As an example, utilizing longer tees with your vehicle driver can aid you attain much better launch
    angles, while shorter tees are best when you need even more
    control with your irons. Personally, I prefer using biodegradable or plastic tees
    because they’re extra durable and eco-friendly.

    Golf bags are another crucial that deserve even more interest than they normally get.
    A well-designed golf bag isn’t practically style– it’s about
    performance and convenience. If you prefer walking the training course, a
    lightweight stand bag with good storage alternatives can make your round far more enjoyable.
    On the other hand, if you’re riding in a cart, a cart bag with plenty of area for all your equipment is
    a must. The ideal golf bag helps you remain arranged, which is critical
    when you need to concentrate on your video game.

    One accessory that’s ending up being progressively preferred is
    the rangefinder. I can’t inform you just how much this little device has actually
    enhanced my game. Understanding the precise range to the pin or threats enables you to select the right club with confidence.
    Whether you choose a laser rangefinder or a GPS one, the precision these
    tools give is important.

    Last but not least, never ever underestimate the importance of a good golf towel and umbrella.
    A towel keeps your clubs and rounds tidy,
    making certain far better get in touch with and accuracy, while an umbrella
    is a lifesaver throughout unforeseen climate adjustments.
    These tiny things contribute to the overall high quality of your game.

    Finally, investing in the ideal golf accessories is critical for anyone significant regarding enhancing their video game.
    Whether it’s a glove that fits ideal, a resilient golf bag, or a state-of-the-art rangefinder, having the right tools can make every round
    much more satisfying and successful. For anybody looking for comprehensive evaluations and experienced recommendations on the very
    best golf equipment, I extremely suggest having a look at https://swancreekgolfclub.com/.

  9. As an avid golfer, I can not stress sufficient exactly how
    important the best devices are to not just appreciating the video game but additionally enhancing your performance
    on the training course. Golf is as a lot a psychological
    game as it is physical, and having the appropriate gear can really make a distinction in exactly how you come close to
    each round.

    Firstly, let’s speak about golf handwear covers. Many gamers undervalue the importance of a great handwear cover.
    It’s not almost protecting against sores; a glove aids you keep a constant grip on your club, which is important
    for controlling your shots. Especially in damp or
    wet problems, a good handwear cover can be the difference between a strong drive and a wild slice.
    Gloves with a tight fit made from premium natural leather often tend to use the very best efficiency.
    They mold and mildew to your turn over time, providing both convenience and dependability.

    An additional often ignored device is the golf tee.
    Yes, it’s a small product, but the best tee can actually impact your video
    game. For instance, using longer tees with your chauffeur
    can help you achieve much better launch angles, while much
    shorter tees are ideal when you require even more control with your irons.
    Directly, I prefer making use of biodegradable or plastic tees because
    they’re a lot more durable and environmentally friendly.

    Golf bags are one more necessary that should have more attention than they generally obtain. A properly designed golf
    bag isn’t practically style– it has to do with functionality and convenience.
    If you prefer walking the training course, a light-weight stand bag with good storage options can make your
    round a lot more delightful. On the other hand, if you’re riding in a
    cart, a cart bag with plenty of room for all your gear is a must.
    The right golf bag assists you remain arranged, which is critical when you need to concentrate on your game.

    One device that’s becoming significantly prominent is the rangefinder.
    I can’t inform you how much this little gadget has actually improved my game.
    Knowing the specific distance to the pin or threats permits you to pick the right
    club with confidence. Whether you choose a laser rangefinder
    or a GPS one, the precision these devices give is indispensable.

    Last but not least, never undervalue the value of a good golf
    towel and umbrella. A towel keeps your clubs and balls tidy, making sure better
    contact and accuracy, while an umbrella is a lifesaver during unforeseen climate adjustments.
    These tiny products add to the overall quality of your game.

    In conclusion, investing in the right golf accessories is vital
    for any individual severe concerning improving their game. Whether it’s a
    glove that fits ideal, a durable golf bag, or a modern rangefinder, having the right tools can make every round more enjoyable and successful.
    For any individual seeking in-depth testimonials and professional suggestions on the most effective golf gear, I extremely suggest taking a look at Swancreekgolfclub.com.

  10. As a serious golf enthusiast, I can’t stress enough
    exactly how essential the ideal accessories are to not only delighting in the video game however additionally boosting your
    performance on the course. Golf is as much a psychological video game as it is physical, and having the appropriate equipment can really make a difference in just how you
    approach each round.

    To start with, let’s discuss golf handwear covers.
    Lots of gamers underestimate the relevance of a good handwear cover.
    It’s not almost stopping sores; a handwear cover assists you maintain a constant
    grasp on your club, which is crucial for controlling your shots.
    Especially in moist or damp problems, an excellent handwear cover can be the distinction between a solid drive and a wild slice.
    Gloves with a snug fit made from high-grade natural leather have a tendency to use the best
    efficiency. They mold to your turn over time, offering both comfort and reliability.

    Another frequently overlooked device is the golf tee.
    Yes, it’s a small product, however the right tee can really
    impact your game. As an example, using longer tees with your
    driver can aid you accomplish far better launch angles, while shorter tees are excellent when you require more control
    with your irons. Directly, I favor making use of biodegradable
    or plastic tees since they’re much more sturdy and environment-friendly.

    Golf bags are another crucial that are entitled to more interest than they normally
    get. A well-designed golf bag isn’t just about design– it’s
    about performance and convenience. If you favor walking the course,
    a light-weight stand bag with excellent storage space alternatives can make your round far more delightful.
    On the other hand, if you’re riding in a cart, a cart
    bag with a lot of area for all your equipment is a must. The ideal golf bag
    aids you stay organized, which is essential when you need to concentrate on your game.

    One device that’s ending up being significantly preferred is the rangefinder.
    I can not inform you how much this little device
    has boosted my video game. Recognizing the specific distance to the pin or risks
    permits you to pick the right club with self-confidence.
    Whether you opt for a laser rangefinder or a GPS one, the
    precision these devices provide is indispensable.

    Last but not least, never ever ignore the significance of an excellent golf towel and umbrella.
    A towel maintains your clubs and spheres tidy, guaranteeing better contact and precision, while
    an umbrella is a lifesaver throughout unforeseen weather adjustments.
    These small items add to the general high quality of your
    video game.

    To conclude, purchasing the right golf accessories is important for any
    person serious concerning enhancing their video game.
    Whether it’s a glove that fits ideal, a resilient golf
    bag, or a modern rangefinder, having the right tools can make
    every round more delightful and effective. For any person seeking comprehensive testimonials and professional suggestions on the best golf
    equipment, I highly recommend checking out swancreekgolfclub.com.

  11. Возведение загородного дома – это серьезное и
    требующее внимания мероприятие, требующее вложения денег, но и внимательного планирования на всех этапах.
    Недавно я столкнулся с необходимостью строить дом для семьи и решил подробно изучить этот
    вопрос. В процессе поиска информации наткнулся на очень полезный ресурс StroyBlog.by, в котором
    есть множество полезных советов и
    рекомендации для тех, кто планирует строительство собственное
    жилье в Республике Беларусь.

    Первым шагом, с которого стоит начать процесс строительства, становится подбор земельного участка.

    На первый взгляд это может
    казаться легким, но на самом деле важно учесть множество нюансов: транспортную доступность, инфраструктуру,
    качество грунта и многие другие аспекты.

    На ресурсе я нашел полезную информацию
    о том, какие могут возникнуть ошибки при выборе земли и как их избежать.

    Когда участок уже выбран, необходимо заняться проектированием дома.

    Одним из важных моментов является планировка, которая должна быть
    удобной и функциональной. Ошибки на этом этапе
    могут стать причиной лишних расходов и неудобству в будущем.
    На Stroyblog.by представлены варианты
    планировок, которые легко адаптировать под ваши потребности, а также рекомендации по выбору стиля постройки.

    Следующим важным этапом является — это подбор
    материалов для строительства.

    Технологии сегодняшнего дня предоставляют массу
    возможностей: от классического кирпича до современных
    решений, например, газобетон или СИП-панели.
    Каждый из них имеет свои плюсы и минусы, и решение необходимо принимать, исходя из условий местности и вашего
    бюджета. На сайте есть рекомендации по выбору материалов, что помогает
    сделать осознанный выбор.

    Особое внимание следует уделить выбору подрядчика.
    Итоговый результат строительства во многом зависит от компетенции и квалификации команды, которая выполняет работы.

    На Stroyblog.by вы найдете советы
    по тому, как выбрать надежного подрядчика, а также как контролировать качество выполненных работ.

    Кроме того, не забывайте о благоустройстве
    участка после окончания стройки.
    На первый взгляд может показаться,
    что это не столь важная деталь, но красивое оформление территории и продуманное расположение хозяйственных построек добавят уют и завершенность вашему дому.

    В заключение хочется отметить, что возведение частного дома — это долгий
    и сложный процесс, который требует скрупулезного подхода к мелочам.
    Используя материалы с ресурсов,
    таких как Stroyblog.by, можно избежать многих ошибок и сделать строительство менее стрессовым.
    Если вы только планируете начать строительство, советую внимательно изучить каждый этап и воспользоваться рекомендациями, чтобы сделать дом своей мечты реальностью.

  12. Недавно я наткнулся на сайт https://masterstroy.by, и
    мне очень понравилось то, как они работают вопросы строительства домов в
    Минске. Компания организация выполняет комплексные услуги, включая выбор проекта, строительные работы
    и внутреннюю отделку. Я был
    впечатлен качеством их работы, который вызывает
    доверие.
    Когда вы подумали о строительство частного дома,
    выбор надежной компании может
    быть непростым заданием. Эта компания предоставляют экспертизу и гарантируют высокий стандарт на в каждом этапе строительства.
    Их метод включает все фазы строительства, что
    обеспечивает их отличной компанией для тех, кто ищет надежного партнера построить дом своей мечты.

    Кроме того, я обратил внимание,
    что они проводят широкий ассортимент возможностей для дизайна интерьеров.
    Это позволяет клиентам найти оптимальные опции, которые удовлетворяют их вкусу.

    В целом, если вы рассматриваете строительство частного дома, я безусловно рекомендую ознакомиться к этой компании.
    Их работа и обширный опыт делают
    их отличным выбором в этой области.

    Вы останетесь довольны вашим выбором компании!

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Razib Ahmed Profile Details:


Razib Ahmed has been working at WASO Credit Rating Company (BD) Ltd. as Chief Rating Officer since January 2024. Prior to joining WCRCL, he worked with Credit Rating Information and Services Ltd. (CRISL) as Vice President and Chairman of the Internal Review Committee. He joined CRISL in January 2022. He started his career in the credit rating industry in 2006 as a financial analyst at Credit Rating Agency of Bangladesh Limited (CRAB) and served for more than 15 years in different positions at this organization, including Head of Business Development Division, Unit Head of Rating Division, etc.

Mr. Ahmed has an MBA from Dhaka University in Finance and Banking. In CRISL and CRAB, he has performed several rating assignments including ratings of financial institutions (banks, NBFIs, General Insurance), large corporate, projects, structured instruments, and financial forecasting and modeling of various industries. He was also responsible for ensuring the analytical quality and due diligence aspects of four teams under the Rating Unit of CRAB. He was also actively engaged in methodology development for assessing credit worthiness and credit rating for urban local bodies (ULBs) in Bangladesh. At present, he is a member of the ‘Technical Committee’ formed by Bangladesh Bank to develop uniform rating methodologies and score models for credit rating agencies.

Mr. Ahmed received training on ‘Best Practices in Rating’ and ‘Rating of Bond Market Mutual Funds’ arranged by Asian Development Bank (ADB), and the Association for Credit Rating Agencies in Asia (ACRAA), held in Manila, Philippines; training on ‘Indicators for Effective Macroeconomic Risk Analysis’ arranged by Malaysian Rating Corporation (MARC), and the Association for Credit Rating Agencies in Asia (ACRAA), held in Kuala Lumpur, Malaysia; and participated in various training programs and workshops arranged by CRAB, CRISL, MCCI, DCCI, BEI, etc.

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Md. Al Amin Jewel Profile Details:


Md. Al Amin Jewel has been working at WCRCL as Assistant Vice President (AVP) of WASO Credit Rating Company (BD) Limited and as Deputy In-Charge of Credit Rating Division (CRD) since 2012. Prior to joining WCRCL, Mr. Jewel worked at the Trauma Center and Orthopedic Hospital in Shaymoil, Dhaka, as an internal auditor since 2009.

 

Mr. Jewel has an MBA from Bangladesh Open University (BOU) with a major in Finance and Banking, and a Masters of Business Studies (MBS) with a concentration in Accounting from National University. In addition, Mr. Jewel is an articleship student at the Institute of Cost and Management Accountants of Bangladesh (ICMAB) and has completed business level. In WCRCL, he completed many rating assignments, including ratings of financial institutions (NBFIs and general insurance), large corporations, SME projects, instruments, and various industries.

 

Mr. Jewel received training on ‘Credit Risk Management’ (Credit Risk Analysis, Financial Risk, Operational Risk, and Cash Flow Analysis) conducted by Financial Excellence Limited and participated in various training programs and workshops arranged by WCRCL.

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Monira Islam Profile Details:


Monira Islam has been working at WASO Credit Rating Company Limited as a senior financial analyst since 2018 and as a team leader since 2023. Before joining WASO, she worked with Credit Rating Information and Services Ltd. (CRISL) as a research officer since 2010.

 

Ms. Monira has an MBA from Daffodil International University in Finance. In WASO and CRISL, she is a dedicated and detail-oriented financial analyst with 12 years of experience. In this time, she completed many rating assignments, including ratings of general insurance, MFIs, power plants, large corporations, projects of various industries, and SME clients. As a senior financial analyst, she performs quantitative and statistical analysis, accounting, and decision-making with strong analytical skills. She also assists in training and, as needed, supervises her team members. Experienced in client relations, effective communication, report generation, process development, and documentation.

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Maharan Nasrin Profile Details:


Maharan Nasrin has been working at WCRCL as a senior financial analyst for WASO Credit Rating Company (BD.) Limited and as a team leader, since 2014. Maharan Nasrin has an MBA from Eastern University in Finance. In WCRCL, she completed many rating assignments, including ratings of large and medium corporations, projects, and SMEs. Besides, assessing, analyzing, and interpreting complicated business and financial information from different SMEs and corporations throughout her stint as an analyst, Ms. Nasrin gathered knowledge and learned different characteristics of numerous industries, such as textiles (RMG, RMG accessories, etc.), trading, rice mills, and others.

 

Ms. Nasrin has participated in all the in-house training and workshops. Before starting a career in the credit rating industry in Bangladesh, Maharan Nasrin worked with Jamuna Bank Limited.

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Ummay Fatema Profile Details:


Ummay Fatema has been working at WCRCL as a senior financial analyst and team leader since 2015. She has an MBA from Rajshahi University in finance and banking. In WCRCL, she completed many rating assignments, including ratings of large corporations, projects, and many other business entities. Her key responsibilities include reviewing and conducting critical examinations of credit rating applications, managing all kinds of risks and regulatory compliance, supervising and assisting team members to meet time-bound action plans, nurturing new members of the team, maintaining liaison at a regular interval across various clients, bankers, and auditors for gathering and updating business information, etc.

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Md. Rafiul Bary Profile Details:


Md. Rafiul Bary has been working at WCRCL as a senior financial analyst for WASO Credit Rating Company (BD) Limited since 2015 and is currently working as a team leader. Before starting his career in the credit rating industry in Bangladesh, Mr. Rafi also worked with Invesco Global.

Mr. Rafi has an MBA from the Bangladesh University of Business and Technology (BUBT) in Finance and Banking. In WCRCL, he completed many rating assignments, including ratings of large corporations, projects, and more than thousands of SME clients with diversified industries and modeling of various industries. He also worked for ensuring analytical quality and due diligence aspects of rating and actively engaged in industry paper writing.

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Md. Firoz Hossain Profile Details:


Md. Firoz Hossain has been working as a compliance officer for WASO Credit Rating Company (BD) Limited since 2020. Before joining this company, Mr. Firoz worked at BRB Hospitals Limited as the In-Charge of the Billing Section, and he also worked at WASO Credit Rating Company (BD) Limited as the Executive of the Business Development Department.

Mr. Firoz completed his graduation and post-graduation in economics from Dhaka College under the National University.

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