Topics

1

Allah: My belief / Not Many Muslims Had The Opportunity To See This...

« on: October 28, 2010, 09:28:49 AM »

HAZRAT BIBI FATIMA ZAHRA






HAZRAT BILAL HABASHI, Damascus






Foot Mark Of HAZRAT ADAM (AS) , Srilanka






HAZRAT DAWOOD (AS), Israel






One more image send by user of ROZA RASUL, PROPHET MUHAMMAD P.B.U.H






HAZRAT AMMA HAWA, Jeddah






ABEEL, Son of HAZRAT ADAM (Al.), First grave on earth, Jordan






ABEEL (ANOTHER VIEW OF GRAVE OF ABEEL), SON OF HAZRAT ADAM (AL.)






HAZRAT YOUSHE (FIRST PROPHET AFTER ADAM), JORDAN






MAKAM-E-IBRAHIM






HAZRAT IBRAHIM-AL-KHALIL, ISRAEL






HAZRAT LOT (A.S), IRAQ






HAZRATT SALEH (AS)






HAZRAT MOOSA (AS), ISRAEL






HAZRAT SHOAIB (A.S)






HAZRAT HAROON (A.S)






HAZRAT ZAKARIA (A.S)






HAZRAT YAHYA (A.S)






HAZRAT BIBI AMENA , OUTSIDE MACCA






HAZRAT BIBI HALEEMA, OUTSIDE MADINA


















HAZRAT IMAM HASAN (R.A)






ROOM OF PROPHET MOHAMMAD (S.A.W) WITH SYEDAH KHADEEJAH (RTA)






JANNAT UL BAQIH






KHANA E KABA IN NEAR FUTURE






FOOT PRINT OF PROPHET MOHAMMAD (S.A.W)






GRAVE OF IBRAHIM (A.S)












SEAL OF PROPHET MOHAMMAD (S.A.W)












HOUSE OF HAZRAT KHADEEJA (R.A)






SWORD OF PROPHET MOHAMMAD (S.A.W)






CLOTHES & STAFF OF PROPHET MOHAMMAD (S.A.W)

2

Heritage/Culture / Koster Pandulipi.................1

« on: October 25, 2010, 04:27:28 PM »

Kono kono din karo kotha khub beshi mone pore
Swopnera keno jeno purono chena pothe uki dai,
Moner akash hotat kalo meghe cheye jai.

Keno jeno shunne takiye thakte eche kore,
Eche kore brishty te vijte r pakhir gaan shunte
Eche kore chitkar kore bolte--
"Tomai Valobasi, khub beshi Valobasi".

Tokhon mone hoi--
Borneel kono projapotir danai vor kore,
Hariye jai kono dur ojanai--
Jekhane akash r matir kono babodhan nei,
Swopno r sottir modhe durotto nei,
Jekhane valobasa shudhui swarther noi.


papelrezwan

3

Heritage/Culture / Some beautiful traveling spots of Bangladesh

« on: October 25, 2010, 03:48:01 PM »

Cox's Bazar:

4

Heritage/Culture / Some Traveling Spots Near Dhaka

« on: October 25, 2010, 03:31:14 PM »

There are some traveling spots near Dhaka city. Who are very busy with their office family and some other activities but want to get remove from the monotonous life can go there very easily to refresh the mind. Some places are as follows:



















Like these there are many locations near Dhaka.

5

Allah: My belief / For Almighty Allah

« on: October 25, 2010, 02:55:11 PM »

Step 1:

Say with your heart and tongue:

*SUBHANA'LLAH
*ALHAMDULI'LLAH
*LA I LAHA ILLA'LLAH
*ALLAHU AKBAR
*ASTAGHFIRU'LLAH
*LA ILAH ILLA'LLAH, MUHAMMADUN   RASULU'LLAH
*ALLAHUMMA SALLY ALA MUHAMMAD
*WA AALIHE WA SALLEM






Step 2

Contemplate in their meaning sentence by sentence and word by word







Step 3

Forward this to at least seven other people





Result 1:
Within hours you have caused a multitude of people to remember, praise and glorify The Almighty ALLAH

Result 2:
Within hours you have caused a multitude of people to Salute, pray for and glorify the Prophet (P.B.U.H.)

Result 3:
Within hours at least seven people would have prayed for you with Angels saying AMEEN, INSHA'A'LLAH




BENIFITS OF AAYATUL QURSI

1. RECITE AAYATUL QURSI AT THE TIME OF LEAVING HOUSE BECAUSE 70000 ANGELS PROTECT PERSON FROM LEFT, RIGHT, FRONT AND BACK AND IF A PERSON DIES BEFORE RETURNING HE WILL GET 70 MARTYRS REWARD. 
 
2. RECITE AAYATUL QURSI 40 TIMES EVERY DAY AT THE TIME OF SUNSET, PERSON WILL GET REWARD OF 40 HAJJ. 
 
3. RECITE AAYATUL QURSI EVERY NIGHT AT BED, THIS CREATES ONE ANGEL WHO WILL GUARD THE PERSON TILL MORNING. 

4. RECITE AAYATULQURSI EVERY TIME AFTER DOING ABLUTION (WUZU) THIS WILL RAISE PERSON 40 TIMES IN RANK FROM    EACH WORD.

5. RECITE AAYATUL QURSI EVERY TIME AFTER RETURNING HOME BECAUSE IT KEEPS AWAY POVE! RTY. 
 



Six punishments in this lifetime:
Three while dying
Three in the grave &
Three on the Day of Judgment.
                   



THE SIX PUNISHMENTS OF LIFE:
1.   Allah takes away blessings from his age (makes his life misfortunate)
2.   Allah does not accept his plea (Dua's)
3.   Allah erases the features of good people from his face.
4.   He will be detested by all creatures on earth.
5.   Allah does not award him for his good deeds. (No thawab)

He will not be included in the Dua's of good people.




THE THREE PUNISHMENTS WHILE DYING:
1.   He dies humiliated.
2.   He dies hungry.
3.   He dies thirsty. Even if he drinks the water of all seas he will still be thirsty.




THE THREE PUNISHMENTS IN THE GRAVE:
1. Allah tightens his grave until his chest ribs come over each other.
2. Allah pours on him fire with embers.
3. Allah sets on him a snake called "the brave", "the bold" which hits Him from morning until afternoon for leaving Fajr prayer, from the afternoon until Asr for leaving Dhuhr prayer and so on. With each strike he sinks 70 yards under the ground.




THE THREE PUNISHMENTS ON THE DAY OF JUDGMENT:

1.   Allah sends who would accompany him to hell pulling him on the face.
2.   Allah gives him an angry look that makes the flesh of his face fall down.

Allah judges him strictly and orders him to be thrown in hell.






THOSE WHO DO NOT SAY THEIR PRAYERS OF:

FAJAR: the glow of their face is taken away.
ZOHAR: the blessing of their income is taken away.
ASAR: the strength of their body is taken away.
MAGHRIB: they are not benefited by their children.
ISHA: the peace of their sleep is taken away.




THE HOLY QUR'AN:

Say Your Prayers Before Prayers For You Are Said.

6

Nutrition and Food Engineering / Causes of liver damage

« on: September 19, 2010, 09:26:12 AM »

The main causes of liver damage are:

1. sleeping too late and waking up too late are main cause.
2. Not urinating in the morning.
3. Too much eating.
4. Skipping breakfast.
5. Consuming too much medication.
6. Consuming too much preservatives, additives, food coloring, and artificial sweetener.
7. Consuming unhealthy cooking oil. As much as possible reduce cooking oil use when frying, which includes even the best cooking oils like olive oil. Do not consume fried foods when you are tired, except if the body is very fit.
8. Consuming raw (overly done) foods also add to the burden of liver.
Veggies should be eaten raw or cooked 3-5 parts. Fried veggies should be finished in one sitting, do not store.
We should prevent this without necessarily spending more. We just have to adopt a good daily lifestyle and eating habits. Maintaining good eating habits and time condition are very important for our bodies to absorb and get rid of unnecessary chemicals according to "schedule."

Source: http://health.readvivek.com/Causes-for-Liver-Damage.html

7

Real Estate / Advantage of Studying BRE

« on: September 01, 2010, 03:30:00 PM »

Bachelor of Real Estate is a Hon’s program of Faculty of Business & Economics. In Bangladesh only Daffodil International University has introduced this subject. Real Estate sector of Bangladesh is rising day by day so, the importance of this subject is also rising at the same pace. Students after completing HSC from commerce background usually admit in BBA or B.Com but they don’t think about Real Estate due to lacking of knowledge and future of this subject. Still the BBA or B.Com graduates are working at Real Estate sector but when Real estate graduates come in front after getting degree they must get value more than those graduates of BBA or B.Com. Not only this today many banks and other financial organization opened real estate department. As there is huge job opportunity in Real Estate sector so BRE graduates will be able to get a good job easily. Then, if that graduate, who is working in the real estate sector after completing BRE program can do MBA, major in Real Estate at DIU. Today, after completing BBA all students are not getting job before taking MBA degree, where BRE graduates will get a good job only after Hon’s program as BRE graduates are not available but jobs are available. Again, if a BRE graduate don’t feel interest to stay with Real Estate sector they have the opportunity to take MBA degree in any of the Marketing/ Finance/HRM/ MIS, but in the mean time they are being specialized in Real Estate sector. It does not mean all students should take admission in BRE program but students who have the interest about this new rising sector and taking diversified knowledge could go for that due to its great opportunity.

8

Heritage/Culture / 10 Most Beautiful Mosques in the World

« on: August 31, 2010, 05:09:24 PM »

Please see the attach file for 10 most beautiful mosques in the world.....

9

BBA Discussion Forum / Profitability Ratio

« on: August 17, 2010, 04:49:31 PM »

Profitability Ratio:
A class of financial metrics that are used to assess a business's ability to generate earnings as compared to its expenses and other relevant costs incurred during a specific period of time. For most of these ratios, having a higher value relative to a competitor's ratio or the same ratio from a previous period is indicative that the company is doing well.


Profitability ratios:

Cash Debt Coverage Ratio:
The cash debt coverage ratio shows the percent of debt that current cash flow can retire.

Cash Debt Coverage = (cash flow from operations - dividends) / total debt.

Cash Return on Assets Ratios:
The cash return on assets (excluding interest) contains no provision for replacing assets or future commitments.

Cash Return on Assets (excluding interest) = (cash flows from operations before interest and taxes) / total assets.

The cash return on assets (including interest) indicates internal generation of cash available to creditors and investors.

Cash Return on Assets (including interest) = (cash flow from operations) / total assets.

Cash Return to Shareholders Ratio:
The cash return to shareholders ratio indicates a return earned by shareholders.

Cash Return to Shareholders = cash flow from operations / shareholders equity
Contribution Margin and Contribution Margin Ratio

Contribution margin is the amount generated by sales to cover fixed costs.

Contribution Margin = sales - variable costs.

The contribution margin ratio indicates the percent of sales available to cover fixed costs and profits.

Contribution Margin Ratio = (sales - variable costs)/sales.

Current Return on Training and Development:
This ratio is a general indicator of the current return on training and development.

Current Return on Training and Development = increase in productivity and knowledge contribution / training costs

Gross Profit Margin Ratio (Gross Margin Ratio):
The gross profit margin ratio (or gross margin ratio) provides clues to the company's pricing, cost structure and production efficiency. The gross profit margin ratio (or gross margin ratio) is a good ratio to benchmark against competitors.

Gross Profit Margin Ratio = gross profit / sales.

Operating Margin Ratio:
The operating margin ratio determines whether the fixed costs are too high for the production volume.

Operating Margin = net profits from operations / sales.

Profit Margin Ratios:
Profit margin ratios state how much profit the company makes for every dollar of sales.

Net Profit Margin Ratio (After Tax Margin Ratio) = net profit after tax / sales.
 
Pretax Margin Ratio = net profit before taxes / sales.
 
Operating Profit Margin (Operating Margin) = net income before interest and taxes / sales.

Return on Assets Ratio:
The return on assets ratio provides a standard for evaluating how efficiently financial management employs the average dollar invested in the firm's assets, whether the dollar came from investors or creditors.

Return on Assets = net profit before taxes / total assets.

Return on Common Equity Ratio:
The return on common equity ratio shows the return to common stockholders after factoring out preferred shares.

Return on Common equity = (net profit - preferred share dividends) / (shareholders equity- preferred shares).

Return on Investment Ratio Formula, Calculation and Definition:
The return on investment ratio provides a standard return on investor's equity.

Return on Investment Ratio = net profits before tax / shareholders equity.

Return on Sales Ratio:
Return on Sales = Net Profit / Sales

Times Interest Earned Ratio:
The times interest earned ratio indicates the extent of which earnings are available to meet interest payments.

Times Interest Earned Ratio = (net income + interest) / interest.

10

Common Forum / Some Pleasant Saying

« on: August 17, 2010, 04:48:09 PM »

1. Appreciate people for their intelligence or their achievements.
e.g. The presentation was wonderful, Your writing excites me, That point just made     my day etc.

2. Call it flirting or appreciation of beauty but appreciating looks or saying nice things about it makes a real impact.
e.g. You look beautiful, You have beautiful voice etc.

3. Appreciate of dress, perfume, bracelet etc or any other accessory that compliments the beauty is another area that can be complimented.
e.g. You Smell Great, You have lot of class, You look different etc.

4. Appreciate of diamond, beautiful house, car, or displays of luxury are other areas which in itself deserve admiration.
e.g. Nice Wheels, Classy House, Beautiful Garden etc.

5. Association to a charity, group, social cause etc. Are other areas where you can make person feel really important.
e.g. You charity is doing nice job, your social cause is very impressive

6. Any win scored in totally unrelated area or other than from their normal work, makes up for a topic on which you can talk nice things.
e.g Never knew you play so good, nice to see you play golf etc.

7. Associating someone with things that interests them make a perfect choice.
e.g Never seen such a rocking soccer fan, your knowledge of Baseball is just amazing etc.

8. People do put a lot of effort on environment when they are host. Appreciating the effort and saying nice things about little details you can notice does great work.
e.g. The party concept is amazing, the finer details you have put look fabulous etc.

9. Appreciating wife, kids and the way person take care of his family can make nice conversation.
e.g. Your daughter was amazing in the play, your son matches your caliber etc.

10. Offering or extending help can be a great initiator for a conversation and gives you the required time to carry the conversation further.
e.g. Delicious Food- Can I help you in something, You look tired let me do it for you etc.

11

Common Forum / Self Esteem structure exercises

« on: August 17, 2010, 04:35:46 PM »

“Whatever the mind conceives that can be achieved”
                                                          -         John Milton       


•   Build helpful attitude
•   Be optimistic
•   Remind yourself of your achievements
•   Believe in yourself
•   Don’t underestimate yourself
•   Indulge in exercises you are interested in or good at
•   Work on your mental health
•   Take care of your emotional needs
•   Setting goals and achieving them, and rewarding yourself
•   Remind yourself that you are important
•   Keep sense of humor
•   Be creative. Write, draw or paint something
•   Try to be unique
•   Be spontaneous
•   Look for positive and supportive people

12

BBA Discussion Forum / Liquidity Ratios

« on: August 17, 2010, 10:32:24 AM »

Liquidity Ratio:
Liquidity ratio, expresses a company's ability to repay short-term creditors out of its total cash. The liquidity ratio is the result of dividing the total cash by short-term borrowings. It shows the number of times short-term liabilities are covered by cash. If the value is greater than 1.00, it means fully covered.

Liquidity Ratio= cash & equivalents / creditors, short


Liquidity Ratios:

Acid Test Ratio:
The acid test ratio measures the immediate amount of cash immediately available to satisfy short term debt.

Acid Test Ratio = (cash + marketable securities) / current liabilities

Cash Ratio:
The cash ratio (cash and marketable securities to current liabilities ratio) measures the immediate amount of cash available to satisfy short term debt.

Cash Ratio = cash / current liabilities
 
Cash Debt Coverage Ratio:
The cash debt coverage ratio shows the percent of debt that current cash flow can retire.

Cash Debt Coverage = (cash flow from operations - dividends) / total debt.

Current Ratio:
The current ratio is used to evaluate the liquidity, or ability to meet short term debts.
The generally acceptable current ratio is 2:1

Current ratio = current assets / current liabilities.

Liquidity Index Ratio:
The liquidity index indicates the number of days during which assets are removed from cash.

Liquidity Index = ((Accounts receivable x collection period) + (inventory x cycle period)) / (cash + accounts receivable + inventory).

Long Term Debt to Shareholders Equity (Gearing) Ratio:
The long term debt to shareholders equity ratio is also referred to as the gearing ratio. A high gearing ratio is unfavorable because it indicates possible difficulty in meeting long term debt obligations.

Gearing Ratio = long term debt / shareholders equity.

Quick Assets:
Quick assets are the amount of assets that can be quickly converted to cash.

Quick Assets = cash + marketable securities + accounts receivable.

Quick Ratio:
The quick ratio is used to evaluate liquidity. Higher quick ratios are needed when a company has difficulty borrowing on short term notice

A quick ratio of 1:1 is considered satisfactory unless the majority of "quick assets" are in accounts receivable and the company has a pattern of collecting accounts receivable slower than paying accounts payable.

Quick ratio = (cash + marketable securities + accounts receivable) / current liabilities.

Working Capital:
Working capital is the liquid reserve available to satisfy contingencies and uncertainties.

Working Capital = current assets - current liabilities.

Working Capital Ratio = current assets / current liabilities

Working Capital from Operations to Total Liabilities:
The working capital from operations to total liabilities ratio is included in the financial statement ratio analysis spreadsheets highlighted in the left column, which provide formulas, definitions, calculation, charts and explanations of each ratio.

Working Capital from Operations to Total Liabilities = working capital provided from operations / current liabilities

Working Capital Provided by Net Income:
A high ratio indicates that a company's liquidity position is improved because net profits result in liquid funds.

Working Capital Provided by Net Income = net income - depreciation

13

Common Forum / Bondhu Tumi Valo Theko

« on: August 09, 2010, 07:52:38 PM »

Bondhu Tumi Valo Theko
papelrezwan

Ami sobuj nodi dekhechi, Neel sagor dekhechi, Sagorer uttal dhew dekhechi. Ami dhusor pahar dekhechi, Tar dhulo mekhechi, Pahar vangar kanna shunechi. Ami neel akash dekhechi, Akasher bishalota dekhechi, Akasher borneel ronge bedona mucheci. Ami brishty dekhechi, Brishtir gaan shunechi, Tar akul abedone vije hridoyer kalima dur korechi. Ami vulini sei sob kotha, sei sob smrity, sei sob valolaga. Ajo tara amai hatchani dey obiram. Bondhu ami chaini tomay vulte tobu somoyer srote, Jontronar veer e, Bastota r opraptir jatakole pisto hoye hoyto vule gechi. E amar oporadh noy, e amar udasinota, naki paap? Sei sotter sondhan hoyto kono kaleu pawa hobe na aamar, naki pawar chesta korbo na? Ami chaibo kono ek jonaki jola sondhay chander alor sathe vaab binimoyer khone rojonigandhar subas niye tumi ese darabe amar pashe bondhur beshe. Jhijhi pokar mukhor songite smriti romonthon korte korte aamra hariye jabo sei harano dingulote, Fire pabo sei purono onuvuti, Valolaga. Sagorer moto, paharer moto, Akasher moto tomake vende felbo aamar valolagar freme. Kotha dichi r kokhono hariye jete debona tomai. Amar bondhu tumi valo theko protidin, protikhon.



I am sorry if it would be boring to you.

14

BBA Discussion Forum / Balance of Payment

« on: August 09, 2010, 07:50:47 PM »

Balance of payment measures the payments that flow between any individual country and all other countries. It is used to summarize all international economic transactions for that country during a specific time period, usually a year. The BOP is determined by the country's exports and imports of goods, services, and financial capital, as well as financial transfers. It reflects all payments and liabilities to foreigners (debits) and all payments and obligations received from foreigners (credits). Balance of payments is one of the major indicators of a country's status in international trade, with net capital outflow.

The balance, like other accounting statements, is prepared in a single currency, usually the domestic. Foreign assets and flows are valued at the exchange rate of the time of transaction.
The record of money payments between one country and other countries. Balance of payments is more inclusive than balance of trade because balance of payments comprises foreign investment, loans, and other cash flows as well as payments for goods and services. A country's balance of payments has a significant effect on its currency value in relation to other currencies. It is of particular interest to individuals who own foreign investments or who own domestic investments in companies dependent upon exports.

15

Departments / Laugh & Laughter

« on: August 08, 2010, 05:42:01 PM »

Definition of Laugh:
To show mirth, satisfaction, or derision, by peculiar movement of the muscles of the face, particularly of the mouth, causing lighting up of the face and eyes, and usually accompanied by the emission of explosive or chuckling sounds from the chest and throat; to indulge in laughter.

Laughter:
Laughter is surely the best medicine! We probably realize the importance of laughter only when we grow out of our childhood days. Do we really need a reason to laugh? I don’t really think so! However, with work stress on the rise, laughter therapy sessions are gaining attention worldwide. The benefits of laughter are many! However, one may not really get into the nitty-gritty of issues at a young age. The importance of laughter therapy is realized only when one loses the reason to laugh about the simplest of issues. Well, laughter surely is good for all and those who are unaware of the benefits need to read about the importance of laughter therapy.

Importance of Laughter Therapy:
Have you observed the beauty of a child especially when it bursts into uncontrollable peals of laughter? Well, that’s the beauty of laughter! Laughter therapy provides you a great way to get rid of stress. This is the best stress relief activity, which dissolves all feelings of irritation and anger.

Laughing also helps to motivate a person. This in turn, releases all the positive energy.

A good session of loads of laughter would help one to release all the pent-up feelings that are really not healthy otherwise. Laughter helps to reduce feelings of grief and depression and create a sense of well-being.

Daily sessions of laughter help to strengthen the immune system.

No matter how negative or dejected you feel, laughter is one such therapy that can uplift your emotional state to a very positive level.

A good sense of humor can help in enhancing your personality whether in professional or personal life. Laughter therapy can turn you into a better team member and you can turn out to be an effective person at communication.

The importance of laughter is something that can be felt and known from within. Don’t wait anymore, call up your buddies and ensure you have a good laugh over all the silly things you can recall!

Kashmira Lad