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BBA Discussion Forum / GSP loss could be a catalyst for change:
« on: July 01, 2013, 03:34:55 PM »
GSP loss could be a catalyst for change:

The suspension of the generalized system of preferences could be an opportunity for Bangladesh to become the largest apparel exporter in the world, US Ambassador Dan W Mozena said.
“The world would be sick of Bangladesh if it sees one more accident like Rana Plaza or Tazreen Fashions. So, the GSP suspension will help Bangladesh make sure that this type of an accident never takes place,” Mozena opined. His comments came three days after the Obama administration suspended the GSP facility for Bangladesh due to insufficient progress in core labor rights and workplace safety standards.
If these issues are addressed, it would be the beginning of Bangladesh’s efforts in becoming the world’s largest exporter of garments, he added. Presently, Bangladesh is the world’s second largest apparel exporter after China. The US envoy said he has high hopes on Bangladesh that it could become the next Asian tiger. “Bangladesh has so many elements to become the next Asian tiger,” he said, adding that pharmaceuticals, shipbuilding, finished leather and jute and jute goods have the potential to lift the country. He said Bangladesh’s agriculture sector has already witnessed a revolution. There are challenges; inadequate infrastructure and power, and corruption and political instability are some of those challenges that Bangladesh needs to address to become the next Asian tiger.


Health tips:
Short walks could cut diabetes risk in seniors

A 15-minute walk after each meal could prevent older people developing type-2 diabetes, a recent study published in Diabetes Care has found. The post-meal walks control blood sugar as well as one long walk, researchers suggested.

BBA Discussion Forum / vitamin D can prevent hypertension
« on: June 18, 2013, 05:02:23 PM »
vitamin D can prevent hypertension

The world’s largest study to examine the link between vitamin D levels and hypertension has found that low levels of Vitamin D can be a major cause of hypertension. Researchers presented their findings at the annual conference of the European Society of Human Genetics (ESHG).


NBFIs asked to submit reports on CSR, gender equality performance

The central bank has asked the non-banking financial institutions (NBFIs) to submit statements on their corporate social responsibility (CSR) activities and gender equality related performance indicators to Green Banking and CSR Department (GBCSRD), sources said.

Besides, the Bangladesh Bank (BB) also directed the NBFIs to keep update their annual reports and websites with disclosures of CSR activities.

The BB sent a circular to the chief executive officers (CEO) in this connection recently.

As per earlier circular, financial Institutions are required to submit a statement on CSR and a report on gender equality-related performance indicators on half-yearly basis, the circular said.

Now, financial institutions have been advised to submit the statements to the GBCSRD instead of the Department of Financial Institutions and Markets.

Moreover, correspondences related to CSR have to be made with the GBCSRD, the circular also said.

In addition to this, the NBFIs have been advised to keep annual reports and websites updated with the disclosures on CSR activities/initiatives, the BB circular mentioned.

BBA Discussion Forum / Tk 11,000cr supplementary budget passed
« on: June 13, 2013, 09:51:12 AM »
Tk 11,000cr supplementary budget passed

The parliament yesterday passed a Tk 11,000-crore supplementary budget for additional spending by ministries and divisions for the outgoing fiscal year.
“In the past, the size of the supplementary budget was never so small,” Finance Minister AMA Muhith said, while crediting it to better macroeconomic management.
In the supplementary budget, the agricultural ministry received Tk 5,966 crore, roads division Tk 1,218 crore, local government division Tk 787 crore and defence
Tk 603 crore.
On the upcoming fiscal year’s budget, Muhith admitted that it was “ambitious”.
“But it is nothing new — each of my budgets was initially labelled the same,” he said.
“Once implemented, it was proved that they were not ambitious but pleasing to all.”

BBA Discussion Forum / Health Bulletin
« on: June 13, 2013, 09:39:04 AM »
Health Bulletin

Yoga improves brain function more than aerobic exercises

People have significantly superior brain function after a bout of yoga exercise compared to aerobic exercise, researchers from the University of Illinois at Urbana-Champaign reported in the Journal of Physical Activity & Health.

Vegetarians live longer than meat-eaters

Vegetarians may live longer than meat-eaters, according to a new study published in JAMA Internal Medicine.

Erectile dysfunction tied to long term painkiller use

A new study suggests that long term use of upload prescription painkillers for back pain is tied to a higher risk of erectile dysfunction (ED). The findings are published in recent issue of the journal Spine.

BBA's operational expenditure exceeds revenue receipt by Tk 1.27b in FY '13

The operational expenditure of the Bangladesh Bridge Authority (BBA) exceeded its revenue receipt by Tk 1.27 billion in the outgoing fiscal, 2012-13.

It did otherwise earn operational surplus in its non-development or current expenditure all throughout the period of its operations since inception, the sources said.

The BBA officials claimed that it suffered the loss as it had carried out repair works at the Bangabandhu Multipurpose Bridge and the Meghna Bridge, in the outgoing fiscal. The works cost over Tk 2.0 billion.

But sources in the Authority said low rate of toll collection, irregularities in collecting toll and a large amount of debt servicing burden are the other reasons for which it incurred the loss in the outgoing fiscal.

"The BBA had to spend over Tk 2.10 billion to repair the Bangabandhu Bridge and the Meghna Bridge in fiscal years (FYs), 2011-12 and 2012-03 for which the Authority suffered the loss in its non-development budget," Md. Shamsuzzaman, Additional Director (Finance and Accounts) of the BBA said.

He said the Authority may return to the position of earning surpluses in the forthcoming fiscal.

When asked, a high official of the BBA denied the allegation of misappropriation in toll collection.

The BBA fetched Tk 684 million profit in fiscal 2011-12, Tk 1.16 billion in fiscal 2010-11, Tk 970 million in fiscal 2009-10, Tk 1.83 billion in fiscal 2008-09 fiscal and Tk 1.84 billion in fiscal 2007-08.

In 2006, a team of experts detected numerous cracks on the Bangabandhu Bridge and asked the authorities to urgently fix those to ensure its safety.

The life-span and load-carrying capacity of the country's existing longest Bangabandhu Bridge had been compromised, as successive governments failed to mend properly the repair-cracks in it, according to experts and government officials.

Besides, a fund of Tk 1.50 billion in the forms of repayment of the outstanding principal amount of loans and also servicing interest-related debt obligations to the Asian Development Bank (ADB) and the World Bank (WB) will require to be paid until 3034 the outgoing fiscal such external debt servicing payments will require to be made up to the year, 2034, to pay off the outstanding debts for the bridge, said the BBA authorities.

It will take at least 23 years more to clear the liabilities that the country owes to the multilateral lending agencies which gave loans for constructing the bridge across the Jamuna river.

The ADB and the WB provided more than 45 per cent of its construction cost. The remaining amount of the fund was funded by the government of Bangladesh (GoB) and also with funds by donors like Japan.

Meanwhile, the government is now set to raise the toll rates for the users of the bridge by 40 per cent on an average, after a gap of 13 years, in line with suggestions of the lenders, the officials of the ministry of communications (MoC) indicated.

They said they have already obtained the consent of the ministry of finance (MoF) for the purpose.

A high official of the ministry said it is going to seek the approval of the cabinet committee for fixing the new toll rates soon.

On an average, 15,000 vehicles use the bridge a day.

Commissioned in 1998, the bridge still stands as the country's largest infrastructure.

The country spent $962 million (Tk 37.45 billion as per the dollar-taka exchange rate prevailing during the period of its construction in the 1990s) to construct the rail-road bridge earlier known as Bangladesh-China Jamuna Multipurpose Bridge Friendship bridge later renamed as Bangabandhu Multipurpose Bridge.


BlackBerry starts process to set up server in Bangladesh

Blackberry has started process for setting up server in Bangladesh, as the Canadian mobile giant has finally agreed to comply with the country's regulator decision, said officials.

They said the intelligence agency will have the access to monitor subscribers' information after setting up a decoder in the country.

Talking to BSS, Giashuddin Ahmed, vice-chairman of the telecom regulatory body, said the Blackberry had agreed to set up the decoder in the country as per the directive of the regulator-Bangladesh Telecommunication Regulatory Commission (BTRC).

"The BlackBerry has already started the process of collecting necessary equipment for the job that would be completed soon," he said.

Earlier, the regulator decided to shutdown the Blackberry services in the country, as the company did not respond to its request to set up a decoder server in Bangladesh.

Currently, the BTRC said, there is no legal access to the classified information of Blackberry, putting the national security at risk.

Officials said BlackBerry uses special software for its services for why nobody could get access to its server. Any message could only be recovered from the customer handset (encryptor) and receiver handset (decryptor). But, after setting up the decoding server, any law enforcing agencies could get access to the message.

The main services of BlackBerry is regulated from Canada, but the company has set up some regional servers in USA, UAE, Australia, India and some others countries to offer quality services. The Research In Motion Limited (RIM), owner of the BlackBerry, has to install server in India only for security aspect.

However, the BlackBerry is providing its service in Bangladesh using its global server.

According to the BTRC, the number of BlackBerry users in Bangladesh is around 6,329, of which country's leading cellular phone operator Grameenphone has 4,668 customers while Airtel has 1,661 customers. The country has now over 100 million mobile customers. Initially, the postpaid users would be brought under the server.

Grameenphone launched its BlackBerry service in 2008 while Airtel brought out its own in 2011.

BlackBerry offers BlackBerry Enterprise Services (BES), BlackBerry Internet Services (BIS) and BlackBerry Messenger Services (BMS), which are popular to the customers.

The consumer BlackBerry Internet Service is available in 91 countries worldwide on over 500 mobile service operators using various mobile technologies. American intelligence agency CIA alone is the biggest subscriber of BlackBerry, which has 2.5 lakh more connections.

$3.2 billion World Bank loans for Bangladesh over next two years

The World Bank (WB) will provide Bangladesh $3.2 billion over the next two years, Country Director of the Bank Johannes Zutt said Tuesday.

The loans will be provided against different projects, which would soon be placed at the WB's board meeting.

"The WB will remain supportive to the development needs of Bangladesh as the macro-economic outlook of the country is excellent," Johannes Zutt told the reporters after a meeting with Finance Minister AMA Muhith at the latter's finance ministry office.

Bangladesh has been performing brilliant in reducing poverty and inequality, he said, adding that the economy is on the right track of development.

Responding to a question, the WB local chief said the Bank is no longer interested to involve itself with the Padma bridge project as the government had earlier expressed its willingness not to accept loans from the lender to construct the Padma Bridge.

He said the financing strategy undertaken by the government to construct the bridge over the Padma river is viable as the bridge is an important project for the country's development and communication.

The financing options like allocation from development budget and from sovereign bond would help construct the bridge, Johannes Zutt said.

Source :financial express

BBA Discussion Forum / Kaspersky Internet Security wins AAA Award
« on: June 04, 2013, 04:28:24 PM »
Kaspersky Internet Security wins AAA Award

Kaspersky Internet Security 2013 received the highest prize from the independent testing laboratory Dennis Technology Labsin the Home Anti-Virus Protection comparative test of security products for home users. The test was conducted in the first quarter of 2013.

Dennis Technology Labs experts assessed how effectively solutions function based on two parameters: detecting and blocking urgent threats, and eliminating false positives where legitimate software is incorrectly blocked.

'Urgent threats' include various Internet-based threats which users may encounter in their everyday computer activities. Dennis Technology Labs does not focus solely on malware samples; their experts also use web-sites seeded with malicious code which could infect computers. In order to recreate the most common computer use scenarios, the tests were run on computers with widespread Windows XP and Windows 7 operating systems. Some popular legitimate applications, such as AdobeFlashPlayer, AdobeReader, OracleJava, etc were installed, since vulnerabilities in these programs are often exploited by cybercriminals.

BBA Discussion Forum / Fall in investment seen as major factor
« on: June 04, 2013, 04:10:13 PM »
Fall in investment seen as major factor

The Centre for Policy Dialogue (CPD) said Monday a drastic fall in private investment remains a key factor behind the estimated 1.0 per cent decline in Gross Domestic Product (GDP) growth during the outgoing fiscal (2012-13).

The growth of private investment is estimated at 19 per cent in the fiscal 2012-13 against 20 per cent in the previous fiscal.

It is 3.7 percentage point lower than the target set for the year in the Sixth Five-Year Plan, the CPD noted.

"Private investment would now move back to the level of FY 2007," Dr Mustafizur Rahman, executive director of the CPD said.

The think-tank said this while unveiling its analytical review of Bangladesh's macroeconomic performance for the fiscal year 2013. The CPD organized a press briefing at its city office on the issue.

Dr Rahman said there are many reasons behind the slow investment in the country.

"We may include, among others, ongoing political turmoil, scams afflicting the banking sector and developments in the readymade garment (RMG) sector and frequent labor unrest as reasons for the slow investment," Dr Rahman added.

The CPD noted that ensuring stability of taka has emerged as a new challenge for the macroeconomic management.

The CPD executive director said there is a need for consolidation of public expenditure to the extent possible in the next FY 2014.

He stressed the need for putting greater emphasis on revenue mobilization.

He said the presence of high non-performing loan (NPL) has pushed the interest rates of banks upward as they by raising the rates are trying to make up for their losses from bad loans.

"Reasons for high NPLs are linked to lax monitoring and supervision," Dr Rahman added.

The CPD, however, suggested privatization of the state-owned commercial banks excepting one which will perform the treasury activities.

The CPD said import of capital machinery declined by 10.6 per cent during July-March period.

It also said the private sector credit growth plunged to 12.7 per cent as of March. "It is much lower than the monetary policy target of 18.5 per cent," Dr Rahman added.

He said this has created excess liquidity worth Tk 660 billion.

"Growth of excess liquidity has influenced the money market by bringing down the call money rate significantly from 19.66 per cent to 8.95 per cent in February last," he added.

He also said credit-deposit ratio has now reached 72 per cent against that of 85 per cent a year back.

The CPD noted that the government's bank borrowing is expected to increase Tk 55 billion more the projected amount of Tk 230 billion during the outgoing fiscal to fund the deficit.

It said shortfall in the revenue collection can lead to higher bank borrowing.

The CPD executive director said there has been a significant erosion in the purchasing power of the people.

"More than 38 per cent purchasing power had been eroded over the last four years following rise in prices of commodities and non-food items," Dr Rahman added.

The CPD, however, said rise in the incident of violence and damage caused to transport and public property have both short as well as medium to long-term adverse implications for the economy, undermining both current performance and growth potentials of the economy.

"The violence and damage of property following herbal (shutdown) are affecting the economy adversely and it undermines the country's growth potential," Dr Rahman added.

The CPD, however, pleaded for efforts to reach consensus with due urgency to avoid hartal and violence in the country.

It said the desired goal of attaining 8.0 per cent growth in 2015 has now become uncertain as the economy is set to grow by at least 1.0 per cent less than that of the target for the outgoing fiscal year, 2012-13.

It also said the aspiration for turning Bangladesh into a middle-income country has also become uncertain as the growth pace has not been proceeding in consonance with the target set in the Sixth Five-Year Plan.

"It seems to us that attaining a middle-income country status has now become uncertain," Dr Mustafizur Rahman said.

The CPD said subsidy burden per unit of generation of electricity has increased from Tk 1.8 million per megawatt in 2009 to Tk 4.45 million in January in 2013.

"Fiscal burden will continue in the coming years," it noted.

It said the government should put more emphasis on South-South trade to provide greater opportunity for market and product diversification.

The CPD said funding for the Padma bridge project with the government's own fund will squeeze funds for education, health and social safety net programmers.

CPD's distinguished fellow Dr Debapriya Bhattacharya said the government must look for option of non-expensive funds.

He said: "We believe that the Parma bridge will not be constructed under the year-on-year fund basis."

He said no renowned construction firm will come under such type of funding.

Quality of most buildings are not up to standard

Experts from Bangladesh University of Engineering and Technology (BUET) have expressed concern over the standard and quality of the buildings that are housing heavy-weight industries including those of ready-made garment (RMG) factories.

"Most of such buildings have not been constructed, complying with the Bangladesh National Building Code (BNBC); even many of them do not have the necessary approval from the authority concerned," they said.

The BUET experts made the observation following their inspection during which they found major faults in construction design, structural lay-out plan of such buildings and warned of vulnerability to natural disasters like earthquake.

"Unfortunately, our inspection teams have found that most RMG factories have been housed in the residential or commercial buildings," said Prof Mujibur Rahman, Head of the BUET's Civil Engineering Department.

However, their initial report also identified that a few factories are located at buildings which have complied with the building code, Mr Rahman added.

He said they have been preparing an inspection report on the basis of the findings made by the BUET team when they tested the suspected 'fragile' buildings.

The professor who is also a coordinator of the BUET inspection team, informed the FE that they would forward their recommendations to Bangladesh Garment Manufacturers and Exporters Association (BGMEA) and the Rajdhani Unnayan Kartripakkha (RAJUK) in this connection.

"We're hopeful of sending an initial test report and a letter of recommendation to the authority concerned by the next week," he added.

He said the experts have found major faults in the buildings that they have visited and inspected. "However, we asked the owners of less vulnerable buildings to minimize the existing load or do necessary repairing work."

"Besides, a number of illegal multi-storied buildings were found, the owners of which do not even have approval from the authority concerned or they have constructed more floors than what was approved," he observed."

Director of Bangladesh Network Office for Urban Safety (BNUS) Dr Mehedi Ahmed Ansary said they have completed the quake tests of around 150 buildings, of which at least 25 were asked to make detailed engineering tests as their initial inspection found some major faults.

Dr Ansary, also a professor of the same department, expressed concern as some of the owners remained reluctant about getting their buildings checked properly, in details.

He said a large number of building owners applied to the country's leading engineering university to check their buildings after the deadliest industrial mishap just on the outskirts of the capital last April that claimed at least 1,127 lives, besides causing severe injuring to many others.

"We didn't receive enough response from the owners of the buildings and also even from those who applied for the engineering tests," he said, adding that around 400 building owners, mostly in the RMG sector, had applied to the university to get their buildings checked, but they are now reluctant to go through the process of such tests.

Asked about the cause of such reluctance on the part of the owners, the expert said, "It may be because there was no pressure from the higher authorities or reasons of their perceived fear about our inspection reports leading to the closure of their factories."

"Initially, we just examined the visual fitness of the buildings, but these need to be checked in details for further confirmation," he said.

Terming the risk-rate alarming, the professor made strong pleas to the owners of the buildings across the country to make proper engineering tests of such structures at their own initiatives to help avert any untoward occurrence.

S&P reaffirms Bangladesh’s rating with stable outlook

Standard and Poor’s in its annual rating review reaffirmed the BB- rating for Bangladesh and also kept its ‘stable outlook’ for the fourth consecutive year, reports UNB.

An S&Ps press statement says that on May 30, the Standard and Poor’s had its annual rating review for Bangladesh that mentioned “The stable outlook on the long-term rating reflects strong growth prospects and ongoing donor support, which ensure low-cost and long-maturity external debt and minimize refinancing risk. These factors are balanced against lingering fiscal and inflation risks, and the impact that rising political disturbances related to the coming elections could have on the real economy”.

According to a Bangladesh Bank release, Bangladesh is rated second highest in South Asia behind India (BBB-) and ahead of Sri Lanka (B+) and Pakistan (B-). Other countries in the BB- category along with Bangladesh include Vietnam, Mongolia and Nigeria.

S&P visited Bangladesh on February 25-28, 2013. Their meetings began with a three-hour discussion on the economy at Bangladesh Bank chaired by Governor Dr. Atiur Rahman and was based on a detailed economic update presented by Bangladesh Bank chief economist Dr. Hassan Zaman.

S&P also met with senior officials of Ministry of Finance as well as NBR. S&P also had detailed discussions with international organizations like IMF, foreign diplomatic missions, management of a large commercial bank, independent economic and political analysts, and visited export oriented footwear factory and multinational organization having FDI in Bangladesh.

These meetings were coordinated by Bangladesh Bank and facilitated by sovereign rating advisers at Standard Chartered Bank and The Hong Kong and Shanghai Banking Corporation (HSBC) Limited.

ফ্ল্যাট কেনার আগে লক্ষ্য করুন

আপনি সারা জীবনের সঞ্চয় দিয়ে একটি ফ্ল্যাট কিনতে চান ।কিন্তু জানেন কি আপনার স্বপ্নকে পুঁজি করে অর্থ লুট করতে পারে অর্থলোভী প্রতারক ব্যবসায়ীরা। অনেক সময় তারা এমন সব অফার- চটকদার বিজ্ঞাপন দেয় যে আপনি প্রলুদ্ধ হয়ে  তাদের গ্যারাকলে আটকে যাবেন ।  পরবর্তীতে   নাকের জল চোখের জল একাকার হয়ে পুরো জীবনটাই শেষপর্যন্ত দুর্বিসহ হয়ে ওঠে। অনেক ক্রেতা আছেন যারা সারা জীবনের সঞ্চয়ই কেবল হারান না, ব্যাংক ঋণেও  জর্জরিত হয়ে সর্বশান্ত হয়ে যান।

সরকার আইন করার সময় যদিও ক্রেতাদের বেশ কিছু স্বার্থ রক্ষা করেছে। কিন্তু এ আইনের ফাঁক ফোকরও কম নয়। সে কারণে ক্রেতা হিসাবে আপনাকেই  বেশি সাবধান হতে হবে। চুক্তি করার সময় সবদিক খেয়াল রেখে চুক্তি করবেন।
১। বুকিং দেয়ার আগেই প্রজেক্টটা দেখে নিন। ডেভেলপার আইনানুগ নিবন্ধিত কিনা তা যাচাই করে নিন। তাদের আগের কোন অভিজ্ঞতা আছে কিনা, কিংবা কোন বদনাম আছে কিনা তা-ও দেখুন। অতীতে তারা কাউকে ঠকিয়েছে কিনা তাও দেখুন।
২। জমির মালিকের সাথে ডেভেলপারের চুক্তিপত্র ও আমমোক্তারনামাটি দেখে নিন। কি কি মালামাল দেয়া হবে তা বিশ্লেষণ করে দেখুন। ফিটিংস কি উন্নতমানের নাকি মানসম্পন্ন তা দেখে নিন। এতে একটা বড় ধরনের শুভঙ্করের ফাঁকি আছে। মানসম্পন্ন যে টাইলস ১০০/-টাকায় পাওয়া যায়, উন্নতমানের সেই টাইলস এর দাম ৫০০ থেকে ৬০০ টাকা।
৩। মালামালের গুণগত মান, অনুমোদিত প্ল্যান, নক্সা এবং জমির স্বত্বের কাগজপত্র যাচাই-বাছাই করে দেখুন। অনেক সময় দেখা যায়, নিম্নমানের রড ব্যবহার করে ইমারত নির্মাণ করায় ৪ তলার বেশী যেখানে করা উচিত নয়, সেখানে ৬-৭ তলা পর্যন্ত নির্মাণ করা হয়েছে। মাটির নীচের ফাউন্ডেশন এবং উপকরনের গুনগত মান যাচাই করা জরুরী। এসব দেখার জন্যে একজন ভাল আইনজীবীর পরামর্শ নিন।
৪। ফ্ল্যাট-এর সাথে অনেকগুলো বিষয় জড়িত থাকে। যেমন, মেকানিক্যাল, ইলেকট্রিক্যাল, সুয়ারেজ, পানি সরবরাহসহ আরো অনেক বিষয়। স্যানিটারী ফিটিংস, লিফট, জেনারেটর, বিদ্যুৎ ব্যবস্থা, পানি উত্তোলন ব্যবস্থা এর সব কিছুই চুক্তিতে উল্লেখ করুন।
৫। জমির মালিক এর সাথে ফ্ল্যাট ভাগাভাগি কিভাবে হয়েছে, তা দেখে নিন। জমির মালিক কোন কোন ফ্ল্যাট পাবেন তাও দেখে নিন।
৬। ডেভেলপারের কাছ থেকে ফ্ল্যাট কেনার চুক্তি করার সময় সর্বশেষ কিন্তি দেয়ার সময়ের সাথে ফ্ল্যাট হস্তান্তরের সময় সম্পৃক্ত করুন। ফ্ল্যাট রেডি করে হস্তান্তর ও দলিল সম্পাদন ও রেজিষ্ট্রী দেয়ার সময় সর্বশেষ কিস্তির টাকা পরিশোধ করবেন মর্মে চুক্তিতে উল্লেখ করুন। কেননা, অনেক ক্ষেত্রেই দেখা গেছে, ডেভেলপারের বেঁধে দেয়া সময়ের মধ্যে ক্রেতারা নির্ধারিত সময়ে কিস্তির টাকা পরিশোধ করে দেয়ার পরও দখল দেয়া হয় না এবং দলিল রেজিষ্ট্রী করে দেয়া হয় না। তারা ক্রেতা থেকে নির্ধারিত সময়ের মধ্যে কিস্তির সব টাকা নিয়ে ফেললেও, প্রজেক্ট শেষ করতে অনেক বিলম্ব করে।
৭। আপনি কত বর্গফুটের ফ্ল্যাট কিনছেন, তার মধ্যে কমন স্পেস কতটুকু, আর মুল ফ্ল্যাট কতটুকু তা চুক্তিপত্রে সুষ্পষ্টভাবে উল্লেখ করুন। সরেজমিনে বুঝিয়ে দেয়ার সময় কমবেশী হলে, কি করতে হবে তা আগেই নির্ধারন করে ফেলুন এবং চুক্তিপত্রে তা সুষ্পষ্টভাবে উল্লেখ করুন।
৮। কাজ অসম্পূর্ণ রেখে ডেভেলপাররা যাতে পালাতে না পারেন, সে ব্যাপারে নিশ্চিত হবে হবে যতটা পারা যায়। ফ্ল্যাট হস্তান্তরে বিলম্ব হলে ক্রেতা কি কি প্রতিকার পাবেন, তার বিস্তারিত আগেই ঠিক করে নিতে হবে।
৯। কত তলা পর্যস্ত অনুমোদন পাওয়া গেছে তা দেখে ফ্ল্যাট কিনুন। অনেক সময় দেখা যায়, ৪-৫তলার অনুমোদন থাকলেও ৭-৮ তলা পর্যন্ত ক্রেতাদের নিকট আগাম বিক্রীর চুক্তি করে বসেছে।
১০। নির্মাতা প্রতিষ্ঠান রিহ্যাবের সদস্য কিনা তা-ও যাচাই করে নিন। কেননা সমস্যা হলে রিহ্যাব তা সমাধানে উদ্যোগ নেয়। কিন্তু তাদের সদস্য না হলে সেটা সম্ভব হয় না।
১১। জমির স্বত্বের ব্যাপারে খোঁজ খবর নিন। কেননা পরবর্তীতে আইনী জটিলতায় আটকে গেলে ক্রেতারাই বেশী ক্ষতিগ্রস্থ হন।
১২। চুক্তির শর্তগুলোর দিকে ভালভাবে লক্ষ্য রাখুন। কোন শর্ত ভঙ্গ হলেই কিছু অসাধু নির্মাতা প্রতিষ্ঠান ঐ চুক্তি বাতিল করে দিয়ে ফ্ল্যাট পুনরায় অন্যের নিকট বিক্রী করে দেয়। এভাবে একই ফ্ল্যাট কয়েকবার বিক্রী করার নজির আছে।
১৩। প্রলুদ্ধ হয়ে তাড়াহুড়ো করে চুক্তি করে ফেলবেন না।

জ্বালানি সাশ্রয়ী সোলার ওয়াটার হিটিং প্রযুক্তি

কয়লা ও খনিজ তেলের অবাধ ব্যবহারের ফলে ২০৫০ সালের পর সারা বিশ্ব মারাত্মক জ্বালানি সঙ্কটে পড়বে বলে মনে করছেন বিশেষজ্ঞরা। জ্বালানি আমদানি নির্ভর বাংলাদেশও পড়বে চরম সংকটে। তাই প্রতিনিয়ত পরিবেশ বান্ধব সবুজ জ্বালানির দিকে ঝুকছে বিশ্ব। এ প্রচেষ্টার ফলে উদ্ভাবিত হচ্ছে নতুন নতুন পদ্ধতি ও প্রযুক্তি। এরকমই একটি পদ্ধতি হচ্ছে সোলার ওয়াটার হিটিং বা সৌর তাপে পানি উষ্ণায়ন। এতে সূর্যের তাপ ব্যবহার করে পানি গরম করা হয়। ফলে বিদ্যুৎ ও জ্বালানি তেল ব্যবহারের প্রয়োজন হয় না।
পরিবেশবান্ধব এ প্রযুক্তি ব্যবহারে অল্প খরচে বিপুল পরিমাণ পানি গরম করা সম্ভব। বিভিন্ন শিল্প-কারখানায় এক হাজার লিটার পানি গরম করার জন্য মাত্র এক লাখ ৭৫ হাজার টাকায় এ প্রযুক্তি স্থাপন করা সম্ভব। আর মাত্র তিন থেকে চার বছরের মধ্যেই বিনিয়োগকৃত অর্থের উপযোগিতা পাওয়া সম্ভব।
বিশেষজ্ঞরা বলছেন, শুধুমাত্র বাংলাদেশের ট্যানারি শিল্পে সোলার ওয়াটার হিটিং প্রযুক্তি ব্যবহার করে বছরে ২.৬ মিলিয়ন ঘনমিটার গ্যাস সাশ্রয় করা সম্ভব যা বর্তমান চাহিদার তিন ভাগের দুই ভাগ। বর্তমানে সারা বিশ্বে শিল্পখাতে ব্যবহৃত গরম পানি উৎপাদনের জন্য ১৭৪ গিগাওয়াট শক্তি খরচ করা হচ্ছে, যার বেশির ভাগ সোলার থার্মাল ব্যবহার করে যোগান দেয়া হয়। বাংলাদেশে ট্যানারি শিল্প ছাড়াও টেক্সটাইল, ফার্মাসিউটিক্যাল, হাসপাতাল, রেস্টুরেন্ট, হোটেল, আবাসনসহ অন্যান্য শিল্পে সোলার ওয়াটার হিটিং প্রযুক্তি প্রয়োগ করে নবায়নযোগ্য জ্বালানি ব্যবহারের সুযোগ রয়েছে। এশিয়ায় চিন ইতিমধ্যে নিজেদের শিল্পখাতে ব্যবহৃত গরম পানির ৬৮% এ প্রযুক্তি ব্যবহার করে উৎপাদন করছে। এছাড়া অস্ট্রেলিয়া, কানাডা, তুরস্ক, জাপান, সাইপ্রাস, গ্রীস ভারত প্রভৃতি দেশেও এ প্রযুক্তি ব্যবহৃত হচ্ছে।

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