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15 thoughts on “Pabitra Store

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  3. Hej kochani!

    Chciałabym podzielić się kilka słów na temat zdrowego jedzenia.
    Wiem doskonale, że dla wielu z nas słowo “dieta” kojarzy się z czymś
    strasznym, pełnym trudności i niesmacznych dań. Ale macie
    świadomość? To nie musi być prawdą!

    Najważniejsze, dobrze zbilansowana dieta to nie tylko kwestia tego, co mamy na
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    W tym momencie chciałabym wspomnieć o blogu Sportmenu, którego założycielką jest Katarzyna Wiśniewska.
    Jeśli jeszcze go nie znasz, to warto to nadrobić!
    Pani Wiśniewska ma niesamowitą wiedzę na temat zdrowego odżywiania i udostępnia ją w bardzo przyjazny sposób.

    Co więcej, jej przepisy są nie tylko zdrowe, ale też smaczne!

    Zacznijmy od tego, dlaczego powinniśmy dbać o to,
    co jemy. Nasze ciała to jak auta – potrzebują odpowiedniego
    paliwa, żeby funkcjonować najlepiej jak można. I tutaj
    Kasia przychodzi z pomocą. Na SportMenu.pl możecie znaleźć wiele inspiracji na zdrowe potrawy, które uszczęśliwią każdego smakosza.

    Nie trzeba być ekspertem, żeby jeść zdrowo. Wiele receptur Kasi jest prostych i szybkich
    do przygotowania. Idealne na nasze codzienne życie, kiedy
    jesteśmy zajęci. Na blogu znajduje się wiele propozycji na śniadania, obiady, kolacje i przekąski – wszystkie pełne wartości odżywczych.
    A co najlepsze w tym wszystkim, każda z tych dań
    jest taka smaczna, że nawet dzieciaki je polubią!

    Często uważamy, że zdrowe jedzenie jest drogie.
    Ale to nie do końca prawda! Kasia przekonuje, że zdrowe
    jedzenie nie musi być drogie. Jej receptury wykorzystują tanie i dostępne składniki.
    Trochę planowania i, można zaoszczędzić sporo pieniędzy,
    jednocześnie jedząc zdrowo.

    No dobrze, a co z różnymi dietami? Na SportMenu.pl znajdziecie również wiele wskazówek dotyczących innych diet, które mogą pomóc Wam osiągnąć Wasze cele
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    I to wszystko podane przystępnie, bez skomplikowanego
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    Najlepszą cechą bloga SportMenu.pl jest to,
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    Bądźcie zdrowi i jedzcie smacznie

    P.S. Jeśli znacie pyszne zdrowe przepisy, podzielcie się nimi tutaj.
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    not nearly avoiding sores; a glove aids you keep a constant grip on your club, which is vital for managing your shots.
    Specifically in humid or wet conditions, a great handwear cover can be the difference between a solid drive
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    They mold and mildew to your turn over time, giving both comfort and dependability.

    One more typically neglected accessory is the golf tee. Yes, it’s
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    For instance, using much longer tees with your chauffeur
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    Directly, I prefer utilizing biodegradable or plastic tees since they’re more long lasting and environmentally friendly.

    Golf bags are an additional crucial that should have more focus than they
    normally get. A well-designed golf bag isn’t just about style– it’s about functionality and comfort.
    If you favor walking the course, a light-weight stand bag
    with excellent storage choices can make your round
    a lot more delightful. On the other hand, if you’re riding in a cart, a cart bag with lots of room for
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    game.

    One device that’s ending up being progressively preferred is the rangefinder.
    I can’t inform you just how much this little
    device has actually boosted my game. Recognizing the
    precise range to the pin or hazards permits you to select the right club with
    confidence. Whether you choose a laser rangefinder or a GPS one, the accuracy these
    devices provide is important.

    Finally, never ignore the relevance of a great golf towel and umbrella.
    A towel keeps your clubs and rounds clean, making sure better call and accuracy, while an umbrella is a
    lifesaver throughout unexpected weather changes. These small products add to the
    overall high quality of your game.

    In conclusion, purchasing the right golf devices is critical for
    anybody severe concerning improving their game. Whether it’s a glove that fits just right, a
    sturdy golf bag, or a modern rangefinder, having the right devices
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  6. As a passionate golfer, I can not emphasize enough just how vital the right accessories are to not just taking
    pleasure in the game however also improving your efficiency on the training course.
    Golf is as a lot a psychological game as it is physical,
    and having the proper gear can actually make a distinction in just how you come close
    to each round.

    To start with, allow’s speak about golf handwear covers. Many
    players undervalue the significance of an excellent handwear cover.

    It’s not nearly preventing blisters; a handwear cover
    assists you keep a constant grasp on your club, which is important for regulating your shots.

    Particularly in humid or wet conditions, a great glove can be the difference between a solid
    drive and a wild piece. Handwear covers with a tight fit made from high-quality
    leather have a tendency to offer the best efficiency.
    They mold and mildew to your turn over time, giving both comfort and dependability.

    One more frequently ignored accessory is the golf tee.
    Yes, it’s a little item, however the best tee can actually impact
    your game. For example, using longer tees with your vehicle
    driver can aid you attain far better launch angles, while shorter tees are ideal
    when you require more control with your irons. Directly, I
    favor making use of biodegradable or plastic tees since they’re a lot more sturdy and environment-friendly.

    Golf bags are another vital that should
    have even more attention than they typically get.
    A well-designed golf bag isn’t just about design– it has to
    do with functionality and comfort. If you like strolling the
    course, a lightweight stand bag with great storage alternatives
    can make your round much more delightful. On the other hand,
    if you’re riding in a cart, a cart bag with lots of area for all
    your equipment is a must. The best golf
    bag helps you remain arranged, which is important when you need to focus on your game.

    One accessory that’s coming to be significantly prominent is the rangefinder.
    I can not tell you how much this little gadget has improved my video game.
    Understanding the exact range to the pin or hazards allows you to choose
    the right club with self-confidence. Whether you opt for a laser rangefinder
    or a GPS one, the precision these tools offer is important.

    Lastly, never ignore the relevance of a great golf towel and umbrella.

    A towel keeps your clubs and balls tidy, making sure better
    contact and accuracy, while an umbrella is a lifesaver throughout unforeseen climate
    changes. These tiny items add to the overall top quality of
    your game.

    Finally, buying the appropriate golf accessories is essential for anybody severe concerning improving their video game.
    Whether it’s a handwear cover that fits perfect, a durable golf bag,
    or a sophisticated rangefinder, having the right tools can make every round more satisfying
    and effective. For any individual looking for comprehensive reviews and skilled recommendations on the most effective golf gear, I
    very advise taking a look at https://swancreekgolfclub.com.

  7. As a serious golf enthusiast, I can’t emphasize sufficient exactly how critical
    the appropriate devices are to not just enjoying
    the video game but additionally boosting your efficiency
    on the training course. Golf is as a lot a mental video game as it
    is physical, and having the correct gear can truly make a difference in exactly how you approach each
    round.

    First of all, allow’s speak about golf gloves. Many players underestimate the value of
    a great handwear cover. It’s not just about protecting
    against blisters; a glove helps you preserve a
    consistent hold on your club, which is essential for controlling your shots.
    Specifically in moist or wet conditions, a good glove can be the difference in between a strong drive
    and a wild slice. Handwear covers with a tight
    fit made from high-grade natural leather often tend to
    supply the very best performance. They mold and mildew to your hand over time, providing both convenience and dependability.

    Another typically overlooked accessory is the golf tee.
    Yes, it’s a tiny product, however the ideal tee can actually affect your video game.

    For example, making use of longer tees with your motorist can assist you achieve
    better launch angles, while much shorter tees are ideal when you need even more
    control with your irons. Directly, I like making use of eco-friendly or plastic tees since they’re extra durable and environment-friendly.

    Golf bags are one more vital that are entitled to even more focus than they normally obtain. A properly designed golf bag
    isn’t practically style– it’s about functionality
    and convenience. If you like strolling the program, a lightweight stand bag with great storage space
    choices can make your round far more delightful. 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 right golf bag aids you stay organized,
    which is vital when you require to concentrate on your game.

    One device that’s becoming significantly popular is the rangefinder.

    I can not inform you just how much this little device has actually improved my video game.
    Knowing the specific range to the pin or risks permits you to pick the right club with self-confidence.
    Whether you go with a laser rangefinder or a GPS one, the precision these devices give is very useful.

    Finally, never ever take too lightly the value of a good golf towel and umbrella.

    A towel maintains your clubs and rounds tidy, making certain better get in touch with and accuracy,
    while an umbrella is a lifesaver during unanticipated climate
    adjustments. These small things contribute to
    the overall high quality of your game.

    To conclude, buying the right golf devices is crucial for anyone severe about boosting their game.
    Whether it’s a handwear cover that fits perfect, a durable golf bag, or a state-of-the-art rangefinder, having the right devices
    can make every round more enjoyable and effective.
    For any person trying to find comprehensive reviews
    and skilled recommendations on the very best golf
    gear, I extremely recommend taking a look at https://swancreekgolfclub.com/.

  8. As a serious golfer, I can not stress sufficient how essential
    the best devices are to not just enjoying the
    video game yet additionally improving your efficiency on the program.
    Golf is as much a psychological game as it is physical, and
    having the proper equipment can truly make a difference in how you come close to each round.

    First of all, let’s discuss golf handwear covers.
    Lots of gamers take too lightly the significance of a good handwear cover.

    It’s not just about stopping sores; a handwear cover helps you keep a
    regular grip on your club, which is vital for controlling your shots.
    Especially in humid or wet problems, an excellent glove can be the distinction in between a solid drive and a wild slice.
    Handwear covers with a snug fit made from high-quality natural leather tend to offer the very best
    performance. They mold to your turn over time, supplying both convenience and dependability.

    One more typically forgotten device is the golf tee. Yes, it’s a tiny item,
    however the right tee can really affect your video game. For instance, utilizing much longer tees with your motorist can aid you accomplish
    better launch angles, while much shorter tees are ideal when you require
    even more control with your irons. Directly, I like using biodegradable or plastic tees due to the
    fact that they’re much more resilient and eco-friendly.

    Golf bags are one more important that are entitled to even more
    interest than they normally obtain. A properly designed golf bag
    isn’t practically design– it’s about performance and comfort.
    If you favor strolling the course, a light-weight stand bag
    with good storage options can make your round much 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 right golf bag aids you stay arranged, which is
    important when you require to focus on your game.

    One accessory that’s becoming increasingly popular
    is the rangefinder. I can’t tell you how much this little device has enhanced my video
    game. Understanding the exact range to the pin or hazards enables you to pick the right club with self-confidence.
    Whether you opt for a laser rangefinder or a GPS one, the precision these
    tools give is important.

    Lastly, never ever undervalue the significance of an excellent
    golf towel and umbrella. A towel keeps your clubs and rounds clean, guaranteeing much better contact and accuracy, while an umbrella is a lifesaver during unanticipated weather condition modifications.
    These small products add to the general high quality
    of your video game.

    In conclusion, investing in the best golf devices is important
    for anyone severe regarding enhancing their game. Whether it’s
    a glove that fits just right, a long lasting golf bag, or a
    sophisticated rangefinder, having the right devices can make every round much more delightful and effective.
    For any person looking for detailed testimonials and skilled recommendations on the most effective golf equipment, I highly advise taking a look at https://swancreekgolfclub.com/.

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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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