BRAC Bank Limited, a scheduled commercial Bank, commenced its business operation in Dhaka, Bangladesh on 4th July 2001. The Bank is mainly owned by the largest NGO in Bangladesh BRAC. The Bank has positioned itself as a new generation Bank with a focus to meet diverse financial needs of a growing and developing economy.
The Bank has embarked with an avowed policy to promote broad based participation in the Bangladesh economy though the provision of high quality banking service based on latest information technology. The Bank will ensure this by increasing access to economic opportunities for all individuals and business in Bangladesh with a special focus on currently underserved enterprises and households' across the rural-urban spectrum. We believe that increasing the ability of underserved individuals and enterprises to build their assets base and access market opportunities will increase the economic well being for all Bangladeshis.
BRAC Bank has a centralized banking structure though on-line banking system that resembles the ABN AMRO model. It consisted of four major divisions' namely small and medium enterprises division, Retail Banking, Corporate Banking and treasury Division.
To gain understanding of the various retail credit of BRAC Bank.
To gain under standing of how ATM concepts affect day to day decision in the Bank.
To highlight the products assortments of BRAC Bank.
To get a clear scenario about the various scheme of BRAC Bank.
The study is performed based on the information extract from different sources collected by using a specific methodology. The study uses both primary source and secondary source. The report is divided into two parts. One is the Organization Part and the other is the Project Part. The parts are virtually separate from one another.
Face to face conversation with the respective officers and stuffs.
Sharing practical knowledge of officials.
Relevant file study provided by the officers concerned.
In-depth study of selected cases.
Annual report of BRAC Bank Limited.
Relevant books, Research papers, Newspapers and Journal.
Internet and various study selected report.
What are the Retail Products?
Why I interested to do this report on the topic?
Retail Products of BRAC Bank.
SWOT analysis of BRAC Bank.
Large scale research was not possible, due to constraints and restrictions posed by the organization.
The research only covers the activities done by the Gulshan Head Office.
The survey does not cover the organizational or corporate customers of BRAC Bank.
Limitation of time is one of the most important factors that shortened present study.
Confidentially of data is another barrier, secret information can not be related.
Rush hours and business in another reason that acted obstacle while gathering data.
BRAC Bank Limited, with institutional shareholding by BRAC, International Finance Corporation (IFC) and Shorecap International, has been the fastest growing Bank for last three years. At the year end of 2005, BRAC Bank had recorded a 103 percent growth in assets, and a 65 percent growth in liabilities, with an operating profit of 84 percent over the previous year 2004.
As a fully operational commercial Bank, BRAC Bank dealing with all the corporate products including non-funded facilities to medium size enterprise where the requirement range varies from BDT 3.00 million to BDT 20.00 million. In the last four years of operations, the Bank has distributed over BDT 1200 crore in loans to nearly 32,000 small and medium entrepreneurs. The management of the Bank believes that this sector of the economy can contribute the most to the rapid generation of employment in Bangladesh.
BRAC, A national private organization, started as an almost entirely donor funded, small-scale relief and rehabilitation project initiated by Fazle Hasan Abed to help the country overcome the devastation and trauma of the liberation War and focused on resetting refuges returning from India. Today, BRAC has emerged as an independent, virtually self-financed paradigm in sustainable human development. It is one of the largest Southern development organizations employing 97,192 people, with 61% women, and working with the twin objectives of poverty alleviation and empowerment of the poor.The International Finance Corporation (IFC) is a member of the World Bank Group and is headquartering in Washington, DC. Established in 1956, IFC's mission is to promote sustainable private sector investment in developing countries, helping to reduce poverty and improve people's lives.
IFC is the largest multilateral source of loan and equity financing for private sector projects in developing world. The organization promotes sustainable private sector investment in developing countries that is economically beneficial, financially and commercially sound, and environmentally and socially sustainable; as a way to reduce poverty and improve people's lives.
It is the beliefs of the organization that sound economic growth is the key to poverty reduction; that it is grounded in the development of entrepreneurship and successful private investment; and that a conducive business environment is needed for the letter of thrives and contribute to improve people's lives.
Financing private sector located in the developing world.
Helping private companies in the developing world mobilize financing in international financial markets.
Providing advice and technical assistance to business and government.
ShoreCap International Ltd. (SCI) is an international private equity company seeking to invest in small business Bank and regulated micro-finance institution in developing and transitional economics.
ShoreCap was launched by ShoreBank Corporation, America's first and leading community development and environmental Banking Corporation. It invests in small business Banks, regulated micro-finance institutions and other regulated non-Bank financial service companies striving to profitably meet the credit needs to micro-entrepreneurs and small business in undeserved market.
ShoreCap builds in ShoreBank's strong history of investing in the renewal of local communities in the U.S. and internationally. ShoreBank's international work began in 1983 by advising Dr. Muhammad Yunus and for ten years doing the financial feasibility work for the major institutional donors to the Grameen Bank in Bangladesh.
For twenty of its thirty years, ShereBank has been working to release the dormant entrepreneurial energy of people in developing countries. ShoreCap is the next progression in thst work.
BRAC Bank will adhere to professional and ethical business principles and internationally acceptable banking and accounting standards.
Sustained growth in Small and Medium sector, continuous low cost deposit growth with controlled growth in retailed Assets.
Achieve efficient synergies between the branches, SME unit offices and BRAC field offices for delivery of Remittance and Banks other products and services.
Manage various lines of business in fully controlled environment with no compromise on service quality.
Keep a diverse, far-fluent team fully motivated and driven towards materializing the Banks vision into reality.
BRAC Bank intends to be a unique organization in Bangladesh. It intends to be a knowledge-based organization where the BRAC Bank professionals learn continuously from their customer and colleagues worldwide to add value. They work as a team, stretch themselves, innovate and break barriers to serve customers and create customer loyalty through a value chain of responsive and professional service delivery. Continuous improvement, problem solution, excellence in service, business prudence, efficiency and adding value are the operative words of the organization.
BRAC Bank strives to serve its customers with respect and will work very hard to instill a strong customer service culture throughout the Bank. It treats its employees with dignity and builds a company of highly qualified professionals who have integrity and believe in the Bank's vision and who are committed to its success.
BRAC Bank fights to be a socially responsible institution that will not lend to business that has a detrimental impact on the environment and people.
BRAC Bank intends to be the absolute market leader in the number of loans given to small and medium sized enterprises through out Bangladesh. BRAC Bank also strives to become a world-class organization in terms of service quality and establishing relationship that helps its customers develops and grows successfully. It wants to be the Bank of choice both for its employees and its customers, the model Bank in this part of the world.
BRAC Banks strength emanates from their owner – BRAC. This means, they hold the following values and will be guided by them as they do their jobs.
Creating an honest, open and enabling environment.
Have a strong customer focus and build relationship based on integrity, superior service and mutual benefit.
Strive for profit and sound growth.
Work as team to serve the best interest of our owners.
Relentless in pursuit of business innovation and improvement.
A commitment to complying with the spirit and letter of all laws and regulations wherever we conduct our business.
Just as BRAC Bank has a corporate identity, they have a social identity too. As a Bank they are socially responsible. Fifty percent (50%) of BRAC Bank's loan portfolio is diverted to Small and Medium enterprise Banking, and as a financial intermediary they channel funds from the surplus end to the needy. Country-wide network of SME Units centre to the end of small entrepreneurs to help them build their asset base. BRAC Bank is market leader in SME, striving for socio-economic upheaval in Bangladesh. The bottom line is, BRAC Bank do not support any finances that are detrimental to our environment.
A portion of BRAC Banks revenue is channeled to support BRAC schools, where children study for free. 70% of these children are female.
Large ATM's and POS network.
BRAC Bank Ltd. Is a full service commercial Bank with local and international institutional shareholding is primarily driven by creating opportunities and pursuing market niches not traditionally met by conventional Bank. BRAC Bank has been striving to provide "Best-in-the-Class" services to its diverse range of customers spread across the country under an on-line Banking platform. The Human Resource Manager currently heads this department. The major functions of this department are strategic planning, Training and developments, Personnel service and security. The Human resource officer monitors the employee staffing and administration activities. The Training officer supervises Training, Development & Rotation activities.
The reason BRAC Bank is in business is to build a profitable and socially responsible financial institution focused on market and business with growth potential, thereby assisting BRAC and stakeholders to build a " Just, Enlightened, Healthy, Democratic and Poverty free Bangladesh." This means to help make communities and economy of the country stronger and to help people achieve their dreams. At BRAC Bank, they fulfill the purpose by reaching for high standard in everything they do for their customers, their stakeholders, their associates and their communities, upon which the future prosperity of the company rests. As such a career in the BRAC Bank Ltd. requires one to be versatile, to have genuine love and understanding towards others and to be able to take on different roles.
Value the fact that they are a number of BRAC families.
Have a strong customer focus and relationship based on integrity, superior service and mutual benefit.
Strive for profit & sound growth.
Work as a team to serve the best interest of their owners.
Value and respect people and make decision based on merit.
Base recognition and reward on performance.
Responsible, trustworthy and law-abiding in all that they do.
BRAC Bank HR focuses on personnel retention and development. The main emphasize is on the human element. BRAC are responsible for both the welfare of the organization and that of their employees. Staffing a Bank is no minor feet. That is why they try to be a business drive function with a thought understanding of the Banks big picture. Managing the employees is a major job. So the personnel at HR must be equal to the task. It's not enough to be just able to screen potential employees however. BRAC Bank also has to be able to handle a crisis in a discreet manner. The HR team must also be a good judge of moral and posses a clear deep understanding of people and their quality of life choices.
BRAC Bank is a journey to transformation. They are coaches and succession planners. They promote and fight for values, ethics, benefits and spirituality with in the Bank community. They are also a quality of life experts, prepared mediators, business sleuths, company strategies, and management partners. A BRAC Bank HR personnel is a counselor, a psychologist and an educator in the organization. HR career is a lifelong problem solver. In conclusion, the HR at BRAC Bank is about the ten toughest questions answered.
It is very important to choose the right career and employer, and that is why the people at HR of BRAC Bank want to give others the clearest possible information about their organization. BRAC Bank's aim is to provide people with all the facts they need to make an informed as to whether they are right for people… And people are right for them.
This is an integral and vital part of the Bank. The service ensures smooth operation and functioning within and between all the departments of BRAC Bank. It also provides continuous support to the core banking activities of BRAC Bank. The manager of services heads this department who formulates and manages various critical issues of the services function of BRAC Bank. He is followed by a group of executives who are the heads of various subsidiary divisions that operate within the service department. The service department is considered as the backbone of all other departments. The various subsidiary division within this department are administration, IT, Internal Control (IC).
Like that of any other organizations, the Admin department of BRAC Bank makes sure that the organizations moves on with all its departments and staffs operating according to all the rules and regulations of the company. It also prevents any bottlenecks within the work process and ensures smooth functioning. The Admin department has two divisions- General Administration and Business Support Services.
The general admin division is pretty much similar to the admin departments of other companies that ensure discipline and regulatory concerns. The business support services provide support to the departments during employee leaves and sudden terminations so that the department can function without problems.
This department gives the software and hardware supports to different departments of the Bank. As BRAC Bank is engaged in online banking, the role of IT is very crucial for the bank. The department is the most active department of BRAC Bank where employees always stand by to solve any problems in the system. The managers and executives of IT division work continuously to develop the total IT system of BRAC Bank so that it can be operated with ease, accuracy and speed.
BRAC Bank has internal auditors who visit on regular basis and submit the report to the higher authority for audit purposes. This gives different departments the chances to know their mistakes and take necessary corrective actions. Again, the Bank annually administers a company wide audit program to evaluate the overall performance of the Bank in Bangladesh.
One of the major departments of BRAC Bank is the marketing department. The marketing departments of BRAC Bank play a vital role in fostering the continuous growth BRAC Bank in Bangladesh. A manager is assigned to this department who looks after the overall marketing operation of BRAC Bank in Bangladesh. This Department is basically concerned about marketing the company's product, services and building a strong corporate image. The department of BRAC Bank has three subdivisions: direct Sales, Promotion & Marketing Administration.
An executive is assigned to this part of the marketing department. The Direct sales division coordinates & manages the sales activities of all the Mobile sales officers (MSO) of BRAC Bank Bangladesh. The MSO's basically makes sales of the company various Personal Banking products such as Savings accounts, consumer loan, etc outside the Banking premises. There are a total of more then 50 mobile sales officers (MSO) employed in the cities of Dhaka and Chittagong. A MSO's are assigned to specific branches for making sales activities more smoothly. The DS executive sets sales strategies & targets for the sales officers and manages the whole team of MSO's in Bangladesh. The direct sales department also decides upon the commission and remuneration of the mobile sales officers as their salary structure is based on sales performances. Thus this part of the marketing division is very important for the overall growth of the Personal Banking Division.
This part of marketing department deals with all the promotional activities of BRAC Bank Bangladesh. Prime responsibilities of this department are: Maintaining strong public relations with various media intermediaries, Advertising the companies products and services, building a strong corporate image of BRAC Bank in Bangladesh.
The promotion department organizes various environmental and social activities in order to build a strong corporate image of BRAC Bank in the mind of customers as well as in the media. Maintaining strong relationship with news media is another major duty of this department.
a) Newspaper Advertising: Regular advertisements of various products and services of BRAC Bank are given in some of the countries most renowned daily newspaper.
b) Billboards: Huge colorful billboards with BRAC Bank logo are found in various major areas of Dhaka and Chittagong. These billboards emphasize on the needs of customers and shows BRAC Bank logo as solution to their needs.
c) Road Side Signposts: Medium sized multi color signposts focusing on various products of BRAC Bank are found on the road sides of various posh areas such as Gulshan, Dhanmondi, Baridhara, Motijheel etc.
d) Mailers: Various product updates and new products information are regularly sent to existing customers of BRAC Bank.
e) Brochures: Various colorful brochures featuring specific products of BRAC Bank are being displayed and distributed to existing and potential customers via branch offices and Mobile sales officers.
f) Banners: Various types of banners are distributed in the retailers' shops with the brochures racks of the services of the BRAC Bank providing to the customers.
So, these are some of promotional activities managed and coordinated by the promotion department.
Keep an extra 15 months salary in your pocket. You can get BRAC Bank salary loan. Loan against your salary. If you are an individual working in Bangladesh, Please read on, because salary loan from BRAC Bank has been designed with just you in our minds.
Flexible repayment Equal monthly installment (EMIs) over a period of 12 months to 48 months.
You choose while we pay' Life is good; make it batter when you can enjoy BRAC Bank Now Loan. In case you need to purchase home appliances, furniture's, computer or other consumer durables for personal use, we offer you the most appropriate solution with our Now Loan.
'Why toy with your dreams when you can own one' BRAC Bank Car Loan can stop your dreaming and start driving whether you want to purchase a brand new car or a reconditioned one, we have the most customer- friendly car loan scheme available for you.
Honest profession, honest service'. BRAC Bank Teachers Loan provides a wedding or a dream holiday, financing a business or surviving an emergency, Teachers Loan can be yours just within three days of application.
Have a minimum length of service period of at lest 2 years.
'Your gateway to the world.' BRAC Bank study loan gives your child deserves the best education and you have planned it ahead. But worried about financing? BRAC Bank has the perfect solution for your child's future.
Parent/ financial guarantor of the student pursuing higher education locally and abroad.
Earning Tk. 25,000 per month.
15 Times of your gross monthly income.
Multipurpose facility to meet living expanse, airfare. Personal expanse beside tuition as well.
'Its time to fly', BRAC Bank Travel Loan opens the door for planning to take a trip abroad and worried about financing? Before you start packing your bags for vacation abroad, you have too many things to take care. Leave your money-matters to us while you pack your bags. Our fast and easy loan processing will simply and excitement to your travel plan.
For salaried employees tourist visa of the traveling country, last 3 months bank statement, last salary slip/ latter of introduction showing salary, proof of ID, proof of residence, business card, photocopy of passport, quotation from travel agency regarding airfare, proof of employment of minimum 2 years applicants & employers name in the address field.
For a self- employed person, tourist visa of the traveling country, last six months bank statement, copy of trade license, TIN Certificate, proof of the residence, spouse guarantee, business card, photocopy of passport, quotation from travel agency regarding airfare.
When you have a credit card sky is your limit with BRAC Bank. Now, a credit card is all you need to gate a lone from BRAC Bank. Lone can be used for any reason from buying consumer goods, automobile to vacation expanse. Just decide what to do and start planning for it.
Is your loan track record playing smooth? BRAC Bank Top up loan is easy loan for good borrower. This unsecured loan is designed to meet various personal needs without mentioning the purpose at all. Just apply according to your requirements.
Enjoy life to the fullest and take benefit of the varied opportunities it offers you. BRAC Bank's High flyer loan is for airline, GSA & Travel Agency professionals is to makes your long cherished desires an absolute reality.
This is a special scheme that allows you to avail cash at nominal interest rates. Your security is kept untouched in the banks custody as the value grows.
People from all income groups – salaried employees and self-employed business people with security in their possession.
Employer's Guarantee can be the security.
BRAC Bank introducing Doctor's Loan, an exclusive loan facility for the Doctor's fraternity, now practicing Doctor's can avail this loan very easily to meet their professional needs. So prescribe yourself a dream today, Anti-Headache solution for Doctor's.
This time you don't have to wait till maturity to receive interest on your Fixed Deposit. BRAC Bank Interest First Fixed Deposit lets you draw the interest instantly at the time of your deposit. Believe it, a deposit scheme where the client receives interest in advance.
Your hard earned money is paying-off immediately; BRAC Bank 'Abiram' Account is a special type of Fixed Deposit scheme, which offers the flexibility & comfort of having a guaranteed monthly return on your investment. With BRAC Bank 'Abiram' Account, you can ensure a safe & steady return on your investment.
'Banking That Sets You Free' BRAC Bank offers you EZee Account a non-cheque interest bearing account for small savers who are in frequent need of transaction. You don't need to write a cheque or stand in a long queue to draw your own money from BRAC Bank. You can get an ATM card to operate your account round the clock.
BRAC Bank's Deposit Premium Scheme is a savings plan that adds value to your hard earned money.
A regular savings account offering you interests on your deposit amount.
A deposit scheme to give returns on your savings is a short term deposit.
Interest paid twice a year but calculated monthly if balance is Tk. 100,000 or above.
BRAC Bank's Current Account is a normal checking account, giving you the option to deposit and withdraw money for your day-to-day needs.
Deposit cheques at any of our branches and get the fund transferred to your account immediately.
BRAC Bank Salary Account is a payroll account for Employers and Employees. As an organization, you can opt for our Salary Account to enable easy disbursements of salary & enjoy numerous other benefits.
The organization needs to have a minimum of 10 employees and a payout of Tk. 1 lac per month and an average salary per employee of Tk. 10,000 per month.
There is no minimum balance required to open Salary Account. Your employees can open Salary Account with zero balance.
Salary Account does not have a cheque book. Hence, your employees don't need to worry about any fraud. It ensures complete peace of mind.
your employees will be provided with ATM Debit Cards to allow them to access to 24 hour banking. These ATM Debit Cards can also be used for retail purchases at various stores all around the country.
The account also accrues interest on deposits. No minimum balance is required to earn interest on the account. All an employer would require to do is to send BRAC Bankan advice (in the form of a cheque/debit instruction etc) for the total salary amount along with the salary details of the designated employees in a soft and hard copy format and we will credit the respective employees' accounts as per your statement of advice.
BRAC Bank 3-Year Step Up Fixed Deposit GUARENTEES increase of interest rate each year. It is the most attractive investment because the rate automatically increases each year. Step in today to step up your interest.
Shatabdi Bhaban, Plot#19,Main Road, Shen Para-Parbata, Section-10, Mirpur, Dhaka.
Wari Shop-19, 6 Folder Street, Bokultola, Wari, Dhaka.
Agrabad C & F Tower, 1222 Sheikh Mujib Road (1st Floor),Agrabad, Chittagong.
Halishar H # 1, R # 1, Block L, Halishahar Housing Estate, Chittagong.
Panchlaish 12/12, O.R.Nizam Road, Panchlaish, Chittagong.
Potia Pourshava Holding 1358/Kha, Potiya, Chittagong.
Subidbazar Pallabi trade centre,Subidbazar,Sunamganj Road,Sylhet.
Narayangonj Holding-147(New), 113(OLD), B.B.Road Narayangonj.
Ace Workshop & Service Centre (Pvt.) Ltd.
Go to the respective branch to collect the ATM service form. After filling submit it to the branch within 3 working days, it will be collected along with PIN.
In help line, balance cannot be enquired over phone.
What is BRAC Bank Aarong ATM Card?
It's a co-branded ATM Card with special cash back feature.
Unlike other ATM cards, the holder of this card can enjoy 5% cash back facility while shopping at any Aarong outlet and the discount shall be automatically credited to customer's account with BRAC Bank.
What is BRAC Bank ALICO ATM Card?
It's a co-branded ATM Card with Life Insurance coverage.
Unlike other ATM cards, the holder of this card can enjoy a special life insurance facility.
What is BRAC Bank DIA Gold ATM Card?
It's a co-branded ATM Card with special cash back and cash discount feature.
Unlike other ATM cards, the holder of this card can enjoy 10% cash back facility while buying diamond products and 8% cash discount on the making charge of purchased gold items at any DIA GOLD outlet.
PRODUCT: BRAC Bank Limited (BBL) has continued to maintain a free flow of product development throughout the past couple of years. Its latest development in product offering has created a new dimension in private commercial banking in Banking. To remaining this flow of new products introduced in the market, BBL should try in bringing out new products or re-establish the old product with a new taste and flavor for the customers.
PRICE: Price of the product is competitive. For many of its product Dhaka Bank is charging lower price than that of other banks.
PLACE: At present BRAC Bank Limited have 49 branches in Bangladesh. It has reached almost all the corner of Bangladesh. It has branches in Dhaka, Chittagong, Sylhet, Rajshahi and Khulna division.
PROMOTION: BRAC Bank at present has been using the media at full length for its promotional activities. The latest advertisement "Asthaa Obichol" has caused a wide spread eye-opening encounter for the existing and potential customers and the targeted market of the banking sector. BRAC Bank has recently renovated its web site (http://www.bracbank.com) with a more vibrant one with detailed information of the products and services it has to offer for its customers.
BRAC Bank is one of the leading providers of financial services in Bangladesh. With its strong corporate image and identity it can better position in the minds of customers. This image has helped BRAC Bank grab the personal banking sector of Bangladesh very rapidly.
BRAC Bank is known for its distinct operating procedures. The company's managing for value strategy better satisfy customers need and also keeps the firm profitable.
Everyone in BRAC Bank from the appraiser to the top management has to work to the same schedule toward a different aspect of the same goal, interfacing simultaneously at all level over quite a long period of time.
BRAC Bank employees are one of the major assets of the company. The employees of BRAC Bank have a strong sense of commitment towards organization and also feel proud and a sense of belonging towards BRAC Bank. The strong culture of BRAC Bank is the main reason behind the strength.
BRAC Bank provides hassle free customer service to its client base comparing to the other financial institutions of Bangladesh. Personalized approach to the needs of customers is its motto.
The selection & requirement of BRAC Bank emphasize on having the skilled graduates & postgraduates who have little or no previous work experience. The logic behind is that BRAC Bank wants to avoid the problem of 'garbage in & garbage out'. This type of young & fresh workforce stimulates the whole working environment of BRAC Bank.
The human resource of BRAC Bank is extremely well thought & perfectly managed. As from the very first, the top management believed in empowered employees, where they refuse to put their finger in very p[art of the pie. This empowered environment makes BRAC Bank a better place for the employees. The employees are not suffocated with authority but are able to grow as the organization mature.
All office walls in BRAC Bank are only shoulder high partitions & there is no executive dining room. Any of the executives is likely to plop down at a table in its dining space & join in a lunch chat with whoever is there. One of the employees has said, "it's exciting to know you may see & talk to the top management at any time. You feel a part of things".
BRAC Bank has tried hard to avoid communication barriers & structural bureaucracies. The little existence of authoritative barriers among the different level of management stimulates a feeling of importance as their work get priority over the position.
At BRAC Bank workshops are conducted periodically. On the workshops, all people participate as equals, with new members free to openly challenge top managers.
At BARC Bank the main objective is to setting up workshop are to remove authority from an artificial spot at the top, and place it where the most knowledgeable people are, the people closest to the operations. The free exchange of ideas is reinforced by a policy of "constructive confrontation". Each employee is expected to challenge ideas openly & aggressively, but never attack an individual motive for presenting an idea.
BRAC Bank also has Management By Objectives (MBO) everywhere. Each person has multiple objectives all the employees must have to get the approval of their bosses on what they going to do. Later they review as how well they have performed their job with their management as well as the peer group.
The MBO makes the review a communication device among various groups. The key to the system is a "one-to-one" meeting between a supervisor & a subordinate. In the meeting, the problems in dealing with customer are put forward first & every one dug it to solve them.
BRAC Bank owns the best banking and information technology equipment in Bangladesh. It ultra modern banking system stating from terminal PC's to Hub's are based on the international standards and are the latest. The 'Ascend Banking System' product is one of the best examples in the context.
BRAC Bank has some of the best visually appealing branches and office premises in Dhaka and Chittagong that highly attract customers' attention and customer also feel the flavor of an international environment, in spit of BRAC being a local bank, while banking with BRAC Bank.
BRAC Bank has a very narrow operating span in Bangladesh. It has only a few full services in Bangladesh situated only at Dhaka, Sylhet and Chittagong. Various geographic segments are currently not availing the services of BRAC Bank due to inconvenient branch location or absence of neighborhood branches.
BRAC Bank currently don't have any strong marketing activities through mass media e.g. Television. TV ads play a vital role in awareness building. BRAC Bank has no such TV ad campaign.
Currently the personal banking divisions of BRAC Bank do not have investment products for its customers. The banning of investment loan by central bank posses a strong pressure to design new products.
As BRAC Bank is fairly new to the banking industry of Bangladesh average customers lack of confidence in BRAC Bank and judge the Bank as an average new Bank.
BRAC Bank has contract workers who lack the commitment with superior quality service and also are pretty dissatisfied as being a contract worker. This hampers the bank's service quality as a whole.
The remuneration packages for the entry level officers are considerable low. Since other foreign and local banks offer a more lucrative salary package, it will be difficult for BRAC Bank to attract MBA's in future with its current salary package.
BRAC Bank can peruse a diversification strategy in expanding its current line of business. The management can consider options of starting merchant banking of diversify in to leasing and insurance. As BRAC Bank is one of the leading providers of all financial services in Bangladesh, it can also offer these services.
This is one of the most popular and emerging product in Bangladesh which offers customers full financial mobility. Various other banks and institutions are currently offering this product. Since BRAC Bank is yet to introduce such a world-class product, it can also take advantage of this product and grab the market share.
BRAC Bank has a long hierarchy in its management structure compared to other private banks in the industry. Long hierarchy might hamper instant decision making procedure. If any problem arises regarding customers, as well as company or if changes are required for customer service immediately, long hierarchy will impede the job done instantly.
Since housing is one of the basic needs of people, there is a high demand of housing loans. BRAC Bank personal banking division can focus on this category of products and grab these segments of customer.
BRAC Bank is noted for its distinct operating procedures. Repayment capacity as assessed by BRAC Bank of individual client helps to decide how much one can borrow. As the whole leading process is based on a client's repayment capacity, the recovery rate of BRAC Bank is close to 100%. This provides BRAC Bank financial stability and gears of BRAC Bank to be remaining in the business for the long run.
The ultimate goal of BRAC Bank is to expand its operations to whole Bangladesh. Nurturing this type of vision & mission and to act as required, will not only increase BRAC Bank's profitability but also will secure its existence in the long run.
The top management team of BRAC Bank is expert in Banking activities. The operating policies established by them are unique & unified. All the members of the team carry out their management roles exhaustively. They equally contributed to BRAC Bank's superior leadership, by carrying out their unique roles. They worked well together, respecting each others abilities, & arguing openly & without any rancor when they disagree.
BRAC Bank is known to provide its Products and Services in the most innovative and Customized fashion (to meet individual customer's need), they can definitely grab the market for sophisticated and improved service providers.
New banking technologies are being very popular these days, for example- SME Banking, Internet/Online Banking, and such. BRAC Bank has already taken up some of this technological advancement and should go further ahead to satisfy their customers at more convenience through such technologies and gain more customer base because of this advancement.
BRAC Bank can expand its existing financial product line to meet a broader range of customer needs. These can help them to gain more customers, as customers' wants more specified and customized service these days.
The upcoming private local & multinational banks posses a serious threat to the existing banking network of BRAC Bank. It is expected that in the next few years more commercial banks will emerge. If that happens the industry of competition will raise further and banks will have to develop strategies to compete against and win the battle of banks.
Absence of various products such as Credit Card, Housing Loan are causing various customer detract from BRAC Bank. This is a serious threat for BRAC Bank Bangladesh.
BRAC Bank should continuously improve its customer service strategies and the overall service quality needs to win the customer satisfaction undoubtedly.
These are a growing number of international and Multinational Banks in Bangladesh. Standard chartered, HSBC, City Bank, American Express and such other are expanding there operations here, poising threatening competition for BRAC Bank.
In the banking sector of Bangladesh, customers have a strong bargaining power since there a large number of commercial banks providing similar services. Customers have a wide range of options in deciding where to bank. They can either go for the Multinationals or run to new local banks for getting quality service, poising a serious threat of BRAC Bank.
New banks are entering into this industry with new facilities and better services, and consumers are becoming more fragmented. Competitors becoming more innovative to attract more customers by providing better products & services then their rivals. BRAC Bank has to be aware of this situation as they have already been facing the consequence of such problems.
This is a major problem in Bangladesh. As BRAC Bank is a very new organization the problem of non-performing loans or default loans is very minimum or insignificant. However, as the bank becomes older this problem will arise enormously and the bank finds itself in a more threatening environment. Thus BRAC Bank has to remain vigilant about this problem so that proactive strategies are taken to minimize this problem.
The geographic coverage of BRAC Bank is not that great. It is operating 5 out of 64 districts (Zone) of Bangladesh (Dhaka, Chittagong, Sylhet, Rajshahi and Khulna) and has only 52 branches. Other nationalized commercial Banks (example: Uttara Bank, Jakuna Bank, etc.) have much expanded coverage. So, it seems that BRAC Bank Limited is losing potential sales.
Conceptual part: Include all the rules regarding loans advancements and retail credit BRAC Bank and regulations by the BRAC Bank.
Practical Part: Includes BRAC Bank's operation and product within the regulations of BRAC Bank.
The Annual real GDP growth rate has a positive correlation with the availability of Commercial Bank.
The money supply growth rate expressed in % per annum, has a positive correlation with the growth of savings deposit.
The level of activity in housing starts, measured by the real Estate Activity Index, have a correlation with availability of mortgage.
The stock market index reveals the level of activity on the stock exchange and has a bearing on private Banking activities.
Loan losses are linked to the growth in GDP each quarter and are 0.80% initially.
The mortgage loan losses are linked to the growth in GDP each and are 0.20% initially.
BRAC Bank should ensure faster delivery of ATM Cards. Now it requires 7-10 days while some competitor could provide it within 2 days.
Its some charges and fees are quite impractical. Relatively high for the middle and lower middle class.
It is found from my experience in BRAC Bank that a portion of total customer say that their complains not resolved immediately. Establishment of a separate customer complains cell may help to resolve the customer's problems.
They should fix a proper remuneration package for intern students. This may help the serving students more serious, concentrated and satisfied with their job.
BRAC Bank should try to reduce their loan issuing and disbursement timing.
BRAC Bank should increase their profit rate on different deposit scheme.
BRAC Bank should try to attend different type of target customer.
BRAC Bank should open Islamic Banking Branch.
I had the opportunity to work for this reputed Bank during my internship program. I was placed in the ATM and CDM service of BRAC Bank, Head Office. During this time I got an opportunity to observe the overall service process of BRAC Bank personal banking division.
It is my pleasure to submit my field study report provided by BRAC Bank. While preparing this report, I have tried to gather as possible & to gather all the information pertain the report to enrich it. I believe that it was a fascinating experience to work live in the banking sector & it was enriched both my knowledge & experience.
Finally, I would like to say that thus internship at BRAC Bank has increased my practical knowledge of business administration and made my BBA education more complete and applied. In this report I got the opportunity to apply various tools and concepts I learned in my BBA courses. I look forward to work with BRAC Bank Limited on a full time basis.
Various types of publications of BRAC Bank Limited.
Annual report of BRAC Bank Limited 2004, 2005, 2006 and 2007.
Different periodicals BRAC Bank Limited.


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20 House Republicans Call for DHS Secretary Alejandro Mayorkas to be Impeached Over Border Crisis
Home Immigration Borders
by Cullen McCue
in Borders, Immigration, Politics, The Hill
Photo: Farnoush Amiri via Twitter
Twenty House Republicans on Tuesday called for Department of Homeland Security Secretary Alejandro Mayorkas to be impeached over his handling of the ongoing migrant crisis at the southern border.
U.S. Rep. Andy Biggs (R-AZ), who introduced articles of impeachment against Mayorkas last year, was joined by the delegation at a press conference on Tuesday. Biggs made the case that Mayorkas has committed high crimes and misdemeanors" worthy of impeachment, the New York Post reported. "Secretary Mayorkas has released more than one million illegal aliens into the country," Biggs said. "Most of these released illegal aliens will never be heard from again."
Biggs — who has stated that he will challenge incumbent House Minority Leader Kevin McCarthy (R-CA) for Speaker of the House in January — argued that Mayorkas has "failed to maintain operational control of the border as required under the law."
The Arizona Republican also stated that the DHS chief "may have lied to Congress" when he testified that the border was under control, in addition to further accusations that he failed to adequately apprehend illegal immigrants as required by law. "The law is clear, illegal aliens shall be detained," Biggs said.
Biggs was joined by a number of his House Freedom Caucus colleagues who likewise condemned Mayorkas's handling of the southern border.
"He knows what to do, yet he's literally refusing to do it – purposefully," said U.S. Rep. Chip Roy (R-TX), adding that Mayorkas is "purposefully endangering the American people and migrants who seek to come here."
"You bet this is a high crime and misdemeanor," Roy added.
"Secretary Mayorkas has refused to address this crisis. But we won't. He regularly lies to the American people, claiming that the southern border is closed. I've been there. It's wide open," U.S. Rep. Lauren Boebert said at the press conference.
"In the private sector, if you don't do your job, you get canned. So why is Mayorkas still our DHS Secretary when there were 230,678 illegal encounters at our southern border in October alone?" U.S. Rep. Barry Moore (R-AL) wrote in a tweet Tuesday.
Rep. @andybiggs4az: "I expect the House Judiciary Committee to open an impeachment inquiry in the 118th Congress, formally investigate Secretary Mayorkas, and finally to proceed to impeach him." pic.twitter.com/TY7W8THMm1
— The Hill (@thehill) December 14, 2022
In order to impeach Mayorkas, the House would need to pass a resolution making the case for high crimes and misdemeanors by a simple majority vote. The Senate would then hear the impeachment trial and two-thirds would need to vote to convict for Mayorkas to be removed from office, which is highly unlikely given that Democrats control the chamber.
United States Customs and Border Patrol reported a record 2.3 million migrant encounters in the fiscal year 2022. The figure is far higher when counting "getaways" and illegal aliens who remain undetected.
RELATED: Proposed Omnibus Funding Bill Has Over 7,500 Earmarks Totaling $16 Billion
Flashback: Kevin McCarthy Suggested Twitter Censor Biggs, Gaetz, Others Over J6
Tags: alejandro mayorkasAndy BiggsBorder CrisisChip RoyDepartment of Homeland SecuritydhsImmigrationLauren BoebertSouthern Border

redpajama_set_name: RedPajamaCommonCrawl


Yogurt stains are a protein-based stain like milk and cheese. The protein part of this stain is what makes the stained area yellow and darken with age. Protein-based stains need enzymes to remove all parts of the protein from the fabric fully. A good enzymatic stain remover or a laundry detergent with enzymes will be necessary to get best results. Protein-based stains also often need to soak in water to get the best stain removal.
For fresh yogurt stains, you'll need to start by using a spoon to gently scrape away any excess yogurt from the clothing. You can also use the back of a butter knife. Don't dig too deeply into the fabric, but try to remove any yogurt that hasn't soaked into the fibers. Next, soak the stained area in cold water for 5-10 minutes. Don't use hot water since it will set a protein-based stain. If the stain remains, add laundry detergent to the stained area and soak again for 30 minutes gently rubbing the stained area every 3-5 minutes. Apply a stain remover to the area and allow it to sit for 7-10 minutes to soak into the stain. Rinse thoroughly and repeat these steps until the stain is gone. Wash according to the directions for your clothing and air dry to be sure the stain is fully removed.
For dried stains, start by rubbing laundry detergent on the stained area and soaking for 30 to 45 minutes. Every 3-5 minutes gently rub the stained area before returning it to soak in cold water. Finish by applying a stain remover and allowing it to sit for 7-10 minutes. Rinse thoroughly and continue to repeat these steps until the stain is fully removed. Do not dry the clothing until the stain is completely gone.
Old yogurt stains can be very tough to remove. If you've tried all the steps for dried yogurt stains and still have a stained area you can try mixing 1/4 cup of baking soda with 1/4 cup of water and spreading that over the area. Allow it to completely air dry before continuing with the steps for dried stains. Sometimes the baking soda can help pull parts of the stain out of the fabric. If the clothing is white, you can try to use bleach to remove the stain as well, although this could damage any patter or the fabric itself.
Mix a few drops of dish soap with 2 cups of cold water. Use a clean white rag to gently sponge the dish soap and water solution onto the upholstery. Use a separate white cloth to gently blot up the solution until the stain and wetness are gone.
What Are 6 Easy Steps to Remove Barbecue Sauce Stains?


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The 2019 Campeonato Brasileiro Série B was a football competition held in Brazil, equivalent to the second division. The competition started on 26 April and ended on 30 November 2019.

Twenty teams competed in the tournament, twelve returning from the 2018 season, four promoted from the 2018 Campeonato Brasileiro Série C (Botafogo-SP, Bragantino, Cuiabá and Operário Ferroviário), and four relegated from the 2018 Campeonato Brasileiro Série A (América Mineiro, Paraná, Sport and Vitória).

Red Bull GmbH signed a deal with the promoted team Bragantino. Team was merged with Red Bull Brasil and renamed as RB Bragantino, although in the 2019 Série B their name was simply Bragantino with Red Bull as main sponsor.

In the 17th round (20 August), Figueirense players refused to play their away match against Cuiabá in protest over unpaid wages. Cuiabá was awarded a 3–0 win by forfeit. On 4 October, Figueirense was sanctioned by the Superior Tribunal de Justiça Desportiva (STJD) with loss of three points and a fine of R$3,000. Few days later the STJD corrected its decision and gave back the three points to Figueirense.

The top four teams were promoted to the 2020 Campeonato Brasileiro Série A. Bragantino became the first club to be promoted after a 3–1 win against Guarani on 5 November 2019. Sport was promoted on 20 November, and Coritiba and Atlético Goianiense on 30 November.

Teams

Number of teams by state

Venues

Personnel and kits

Managerial changes

League table

Results

Top goalscorers

References

Campeonato Brasileiro Série B seasons
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redpajama_set_name: RedPajamaWikipedia


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Global Anti-Doping Agency Asks Sport Arbitration Court To Rule On Russia's Ban
The World Anti-Doping Agency (WADA) has formally requested the Court of Arbitration of Sport (CAS) in Lausanne, Switzerland, to rule on Russia's four-year ban for doping.
The January 9 move comes after the Russian Anti-Doping Agency (RUSADA) last month lodged a formal protest to WADA's decision to ban the country from major sporting events over doping violations, including alleged faking evidence.
Repeated irregularities and systematic cheating cost Russia a place in the 2018 Winter Olympics, and a finding in December that Russia's anti-doping body was still noncompliant led to the fresh ban.
The new four-year ban means Russia's flag and anthem will not be allowed at events such as the 2020 Tokyo Olympics and soccer's 2022 World Cup in Qatar.
Clean Russian athletes may be allowed to compete as "neutral."
RUSADA head Yury Ganus has said his country has little chance of winning its appeal against the decision, which President Vladimir Putin described as "politically motivated."
Copyright (c) 2014. RFE/RL, Inc. Reprinted with the permission of Radio Free Europe/Radio Liberty, 1201 Connecticut Ave NW, Ste 400, Washington DC 20036.
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Magic Kingdom / News / Walt Disney World
Disney Rumors You Need to Know for June 2019
by David Mumpower · June 24, 2019
Some Disney rumors are so good that you can't wait to post them. Then, we have months such as this one where an update is certain to cause a wave of hysteria. Please don't shoot the messenger, my friends. Here's the latest batch of Disney rumors for June of 2019.
Toy Story Jamboree?
In recent weeks, rumors have persisted that the closure of Country Bear Jamboree is imminent. I had dismissed them as patently absurd until recently. One of the most reliable Disney insiders on the internet indicated that discussions have taken place about the attraction. These conversations call into question the future of one of the most famous attractions in the world.
Apparently, high-level Disney executives want to inject even more intellectual property (IP) into the parks. Believe it or not, the franchise that they'd like to bring to Magic Kingdom is Toy Story, which already has one ride based on Buzz Lightyear there plus some character meeting opportunities. Oh, and there's that entire themed land at Disney's Hollywood Studios.
Even though Toy Story is as ubiquitous as any franchise at Disney theme parks, at least one Disney department head wants to add a show based on its characters. Specifically, the idea is to recreate the Woody's Roundup series shown in Toy Story 2.
While variations of the plan are quite different, the most popular one is apparently a marionette show of some sort, although I presume it would be much more technologically advanced, employing state-of-the-art audio-animatronics. The idea on the table is to put this show in Frontierland in the same space currently occupied by — you guessed it — Country Bear Jamboree.
The outcry on such a move would be extreme. I get angry just thinking about it, and I'm a huge Toy Story fan. It's nothing against that franchise, merely an indication of the importance of Country Bear Jamboree in the history of Walt Disney World. It's one of the few attractions at the park that Uncle Walt personally worked on. He'd intended it as a centerpiece of an unbuilt ski resort bearing the Disney name in the 1960s.
One of the most famous Walt Disney stories is that Marc Davis demonstrated part of Country Bear Jamboree to his boss. It would be the last time that the two men spoke, as Uncle Walt passed away soon afterward. Since Disney loved the premise, it's sacred among Disney fans and cast members alike.
Should executives choose to close Country Bear Jamboree, the outcry would be tremendous. And that's why I doubt this rumor will come to life. The reason why I can't dismiss it is that D-23 2019 is less than two months away. It's when Disney will announce upcoming attractions…such as a new Toy Story marionette show. In other words, Country Bear Jamboree fans will have a nervous couple of months.
From an analytical perspective, I think cooler heads have prevailed for obvious reasons. While I'm sure that Disney wants to emphasize a lot of changes as part of the "50 updates for Walt Disney World's 50th anniversary) initiative that's an open secret, this update isn't a good one. I mean, it's not a good one here.
Disney could easily add the show somewhere else and even make more money off of it. The Parks Blog recently announced Roundup Rodeo BBQ, a Table Service restaurant at Toy Story Land. It'll have natural ties to Woody's Roundup anyway. So, Disney could easily connect the dots here by adding the show in this area…possibly even this restaurant.
Our first look at Rodeo Roundup BBQ
That's sheer speculation on my point, but Chuck E. Cheese has done very well with audio-animatronic shows over the years. Imagine a Disney one at a Table Service restaurant. Guests would pay any price for it. Even if this idea doesn't fly, adding a Woody's Roundup show in a building close to Roundup Rodeo better connects the two premises.
The Other Rumor You'll Hate
I'm the bearer of bad news this month. The two hottest rumors both involve Magic Kingdom, and they both involve the death of beloved, iconic Disney attractions.
The other troublesome report is that Walt Disney's Enchanted Tiki Room could change. Now, I should preface this by saying that the rumor has bubbled up to the surface many times over the years. In terms of timing, I'm suspicious about that aspect, too.
Tiki merchandise has seemingly become one of the backbones of park economics in recent years. Disney understands how nostalgic fans are about these characters and the style of this attraction. It's undergone something of a resurgence thanks to this passion combined with better products that tie into the premise. Many new Tiki items make people happy to buy, which is the most effective kind of sales.\
Keeping all of that in mind, in the days leading up to D-23 2017, many insiders felt that the Tiki Room's days were numbered. Two years later, history is repeating itself. A couple of trusted rumormongers have indicated that the attraction's about to get replaced.
The idea under discussion is that Disney would re-use the space in one of two ways. The first is that they'd add an overlay to the current presentation, keeping but presumably updating the history audio-animatronics.
You've probably guessed what the overlay would involve. Yes, it's more intellectual property. For years, the standard rumor involved Stitch, but Moana has moved into the lead in recent years. Personally, I wouldn't be surprised if Disney combined aspects of both franchises into a single presentation. It'd have more appeal and, from Disney's perspective, sell more merchandise.
Also, I feel like I should point out from a less cynical perspective that Moana and Lilo & Stitch are two of Disney's best movies of the past 20 years. Either of them could anchor an extremely engaging show. I'm not sure if a combination of them would be better or a step back from an artistic point-of-view. At this point, it's speculation based on what's known about the rumors.
The Tiki rumor isn't as strong as the Country Bears one. To the contrary, it came and went (again) a couple of years ago and hasn't been mentioned much sense. That all changed within the past week, and the explanation could be simple. Once Disney soured on altering Country Bears, they may have chosen an alternate attraction.
Then again, executives might have decided that the outcry for closing Country Bears and Tiki Room would be the same. So, they might as well end both at the same time, presuming that the positive news from D-23 would vastly outweigh the negative. Even acknowledging all of these possibilities, I still don't think Disney would do this if for no other reason than the internal conflict it would cause. Nobody is more loyal to the work of Walt Disney than Imagineers.
Okay, there you have a couple of genuinely scary rumors for this month. I'm sorry to be such a buzzkill, but I honestly believe that cooler heads will prevail on both of these ideas. So, don't get outraged just yet. Save it until after D-23! But, you know, visit Magic Kingdom soon if you can…just to be safe.
Great news! Disney Parks Blog ran a story on 6/26/19 (the day after this article was originally posted) denying the rumor. Thomas Smith, Editorial Content Director, Disney Parks, stated:
"Although we won't address every rumor, we want to set the record straight: there are no plans for our feathered friends to fly the coop any time soon. We're constantly evolving our stories, but these birds will continue entertaining our guests at the Magic Kingdom Park just as they have done since 1971."
Thanks for visiting MickeyBlog.com! Want to go to Disney? For a FREE quote on your next Disney vacation, please fill out the form below and one of the agents from MickeyTravels, a Platinum level Authorized Disney Vacation Planner, will be in touch soon!
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Stacey says:
I will be devastated if they close either one of these shows.
Carolyn Wegfahrt says:
What about the old stitch attraction that hasn't been good in a while


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Banks pressured to raise capital
Mohammed Aly Sergie
Published Wednesday, January 16, 2008
(SATISH KUMAR)
Bankers here said that most UAE banks – if not all – will increase capital by 20-40 per cent this year. Banks are under pressure to utilise their record 2007 profits to strengthen their capital base according to Basel II requirements.
They are likely to limit their cash dividend payouts to a minimum and opt for bonus shares to their shareholders, analysts said.
Last year banks in the UAE enjoyed strong growth, but as more business is sought and with the new Basel II–based regulation – which would lower capital adequacy ratios by 0.5 to 1.0 per cent – on the verge of implementation, boardroom chatter of how to raise capital, and by how much, continues.
Tammam El Barbir, Dubai-based Morgan Stanley banking analyst, told Emirates Business: "It would be natural for banks to raise capital in light of strong long growth expected, compounded by the impact Basel II will have on capital adequacy ratio. When Basel II is applied it will lower the capital adequacy ratio and that results in lost loans."
He also said more capital would allow room on the balance sheet for more acquisition opportunities. The global credit crunch is expected to trickle down to the GCC in the second half of 2008, and will mainly affect mega-project financing. This will either force delays in projects, or present new opportunities to local banks to enter the sector.
"In terms of project financing, sukuk and corporate bonds, local banks don't have much of a market share," El Barbir said, noting that most of the arrangers are foreign banks such as HSBC and Citi.
Abu Dhabi recently announced it would spend $200 billion on urban infrastructure in the next five years, of which 60 per cent will be financed by the private sector. "You are talking about a $25bn increase in loans per year, so I would not be surprised to see banks shoring up their capital bases," El Barbir said.
To reap maximum benefits, the banking sector may need to look at acquisitions to grow, another way that increased capital might be deployed. Investment bank EFG-Hermes says: "The sector is expected to see expansion and consolidation, with more domestically focused banks looking towards consolidation and larger banks engaging in expansion across Mena."
In coming months, ABN Amro's 40 per cent stake (which could be worth $5bn) in Bank Saudi Hollandi will be up on the block – an acquisition that a number of lenders in the UAE will actively bid on.
The Commercial Bank of Dubai yesterday announced a record profit and proposed a bonus issue of shares that will increase its equity capital by 25 per cent and a cash dividend of 30 per cent. Other banks are expected to follow suit.
Some analysts do not foresee banks shoring up capital on a massive scale this year.
Hatem Alaa, an analyst at Cairo-based HC Securities, said: "Most banks are adequately capitalised, and given that loan growth is not projected to be higher in 2008 than last year, I don't see many banks taking this route."


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DEFABULA GAMBLING
Get Gaming Right Now!
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Author: CoreyT
Some Guidelines for Online Casino Players
Whether you are a risk taker or not, everything in life is a gamble, and the common saying is that the whole life is a game. However, this should not be taken too lightly and without any prior thought, especially when you are considering playing something where large sums of money are involved with situations…
By CoreyT July 31, 2022 Off
A Glance at Online Greyhound Racing Betting
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A Detailed Look at Slot Games for Casino Players
The first slot machine was invented in San Francisco in the late 1880's. This machine was the predecessor of the modern day slot machine and was loosely based on the poker game. Over the years slots have simply become more and more popular and today they are the worlds most played casino game. A man…
iPad Video Poker Introduced to Mobile Casino Players
Traditional video poker is a casino game based on the table game variant of five card draw poker. The first video poker games were played on electronic machines similar to those of video slots, and became wildly popular on land-based casino floors during the 1980's. The game adheres to pay tables that state certain hands…
An Introduction to Trying out Gambling at Online Casinos in Canada
If Canadian players do a quick search for online casino games, they will find thousands of offshore online casinos which accept players from Canada, but won't find much in the way of a home based site. This is because the Canadian government has strict legislation in place regarding the legality of online casinos, but as…
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Modern Tech Used by Disabled Athletes
Keeping Bones and Joints Healthy
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Easy Ways To Get Up And Moving
Learning To Cope With Disability
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IEITI and Transparency - Midyear Review
By Editor on 8th August 2016 in Ahmed Mousa Jiyad, Iraq Oil & Gas News
By Ahmed Mousa Jiyad.
Any opinions expressed are those of the author, and do not necessarily reflect the views of Iraq Business News.
Within eight months, between December 2015 and July 2016, the National Secretariat (NS) of the Iraqi Extractive Industry Transparency Initiative (IEITI) launched two annual reports (2013 & 2014) and Inception Report 2015, which was made public for the first time.
No doubt that was a remarkable and commending achievement in addition to the regular release of the annual reports since the first IEITI Report 2009 (released in 2011).
But on the other hand, only meager improvement is observed while many serious flaws, inconsistencies, discrepancies and clichés still persists regarding substantive and qualitative contents of these annual reports, comparing with what should and could have been done.
Accordingly, two contrasting possibilities are highlighted in this intervention: the first indicates to "enthusiasm fatigue" combined with important recent developments, occurring in opposing directions and having different implications could shed doubt on the prospects of IEITI and its role.
The second believes that Iraq is the only MENA country with satisfactory standing among the EITI compliant countries and, thus, it could be an exemplary country, which could enhance transparency in the country and promote EITI image for other countries in the region that are or contemplating joining EITI.
Since both of these positions or possibilities have validity and likelihood; and this indicates to a significant degree of uncertainty, I would argue that IEITI current state of affairs could be unsustainable and thus serious thinking and specific measures are needed to revitalize this important transparency entity and make it more effective, proactive and relevant.
This is the second part of my midyear assessment of the Iraqi petroleum sector. The first part was posted 18 July 2016 on IBN website and can be accessed through the following link: https://www.iraq-businessnews.com/2016/07/18/midyear-review-of-iraqi-upstream-petroleum-sector/
In this brief midyear review I will make a few basic remarks on the latest IEITI Report 2014; on the Annual Activity Report 2014; skim through the Inception Report 2015; review Work Plan 2016/18; assess the foggy prospects of IEITI under highly possible opposing developments; and finally make a few concluding remarks.
It's worth mentioning, at this juncture, that this intervention is part and continuation of my constant follow-up and assessment of IEITI development, its annual Reports, Work Plans and Activity Reports. My assessments of previous annual reports and related interventions can be accessed through my column on IBN' website on the following link: https://www.iraq-businessnews.com/category/oil-gas/ahmed-mousa-jiyad/
Please click here to download Ahmed Mousa Jiyad's full report.
Mr Jiyad is an independent development consultant, scholar and Associate with Centre for Global Energy Studies (CGES), London. He was formerly a senior economist with the Iraq National Oil Company and Iraq's Ministry of Oil, Chief Expert for the Council of Ministers, Director at the Ministry of Trade, and International Specialist with UN organizations in Uganda, Sudan and Jordan. He is now based in Norway (Email: mou-jiya@online.no, Skype ID: Ahmed Mousa Jiyad). Read more of Mr Jiyad's biography here.
DNO, Genel Receive Payment for Tawke Deliveries
Currency Auction Results, 8th Aug
Tags: Ahmed Mousa Jiyad, EITI, Extractive Industries Transparency Initiative, featured, oil revenues, SCOR analysis, transparency


three words go hand in hand to give meaning to each other. Womens fashion began to change from the military/war look to a more casual new look. There are constant changes in the fashion world such as style. They welcomed the new blended or synthetic fibers such as Nylon in their product and design, but in different way. Heterogeneous cumulations consist of two or more phases which have different configuration. Linear equation Matrices, linear equation is an equations are equations between two variables that make a straight line when it is graphed.
Today, essay - 836 Words - brightkite.
Literary Terms and Definitions P - Carson-Newman For Mc Guinness the essay is a place on the.
Donnie Benitez "He that shall live this day, and see old.
Modern day tragic hero essay, creative writing describing autumn, can i do my dissertation.
"To thine own self be true.". Fashion Art, Clothing and Fashion ; when talking about fashion it is hard not to discuss clothing; and when speaking about clothing, it is hard to omit the influence of art. Wheeler's literature students, and it offers introductory survey information concerning the literature of classical China, classical Rome. In the modern day world that we live in, technology is forever changing and improving all around. An example of this is the modern invention of the television. Biography Youth and early career.


text:
/*
 * Created by JFormDesigner on Fri Feb 10 08:19:01 EST 2012
 */

package org.broad.igv.ui.util;

import java.awt.*;
import java.awt.event.*;
import java.util.Arrays;
import java.util.HashMap;
import java.util.Map;
import javax.swing.*;
import javax.swing.border.*;

/**
 * Constructs a simple multi-field text entry form from a list of labels.   Example use:
 *
 *    List labels = Arrays.asList("The first field", "F2", "The third field");
 *    SimpleFormDialog dlg = new SimpleFormDialog((Frame) null, "Prompt", labels);
 *    dlg.setVisible(true);
 *    if(!dlg.isCanceled) {
 *        String firstValue = dlg.getValue("The first field");
 *    }
 *
 * @author Jim Robinson
 */
public class SimpleFormDialog extends org.broad.igv.ui.IGVDialog  {

    boolean canceled = false;

    /**
     * Container to map labels to associated input boxes
     */
    public Map<String, JTextField> textComponents;

    public SimpleFormDialog(Frame owner, String prompt, java.util.List<String> labels) {
        super(owner);
        initComponents();
        initContentPanel(labels);
        promptLabel.setText(prompt);
    }

    public SimpleFormDialog(Dialog owner, String prompt, java.util.List<String> labels) {
        super(owner);
        initComponents();
        initContentPanel(labels);
        promptLabel.setText(prompt);
    }

    private void initContentPanel(java.util.List<String> labels) {

        textComponents = new HashMap<String, JTextField>(labels.size());
        contentPanel.setLayout(new GridLayout(labels.size(), 2, 5, 5));
        int width = 0;
        int height = 0;
        for (String l : labels) {
            JTextField field = new JTextField();
            textComponents.put(l, field);
            final JLabel jlabel = new JLabel(l);
            contentPanel.add(jlabel);
            contentPanel.add(field);

            Dimension d = jlabel.getPreferredSize();
            width = Math.max(width, (int) d.getWidth());

            double h2 = (int) field.getPreferredSize().getHeight();
            height += (int) Math.max(h2, d.getHeight()) + 5;
        }
        // Why is setting size explicitly neccessary?
        width = width*2 + 20;
        height += 20;
        contentPanel.setSize(width, height);
        contentPanel.setPreferredSize(new Dimension(width, height));
        pack();
    }

    public String getValue(String label) {
        return textComponents.get(label).getText();
    }

    public boolean isCanceled() {
        return canceled;
    }

    private void okButtonActionPerformed(ActionEvent e) {
        canceled = false;
        setVisible(false);
        dispose();
    }

    private void cancelButtonActionPerformed(ActionEvent e) {
        canceled = true;
        setVisible(false);
        dispose();
    }

    private void initComponents() {
        // JFormDesigner - Component initialization - DO NOT MODIFY  //GEN-BEGIN:initComponents
        // Generated using JFormDesigner non-commercial license
        dialogPane = new JPanel();
        contentPanel = new JPanel();
        buttonBar = new JPanel();
        okButton = new JButton();
        cancelButton = new JButton();
        panel1 = new JPanel();
        promptLabel = new JLabel();

        //======== this ========
        Container contentPane = getContentPane();
        contentPane.setLayout(new BorderLayout());

        //======== dialogPane ========
        {
            dialogPane.setBorder(new EmptyBorder(12, 12, 12, 12));
            dialogPane.setLayout(new BorderLayout());

            //======== contentPanel ========
            {
                contentPanel.setLayout(null);

                { // compute preferred size
                    Dimension preferredSize = new Dimension();
                    for(int i = 0; i < contentPanel.getComponentCount(); i++) {
                        Rectangle bounds = contentPanel.getComponent(i).getBounds();
                        preferredSize.width = Math.max(bounds.x + bounds.width, preferredSize.width);
                        preferredSize.height = Math.max(bounds.y + bounds.height, preferredSize.height);
                    }
                    Insets insets = contentPanel.getInsets();
                    preferredSize.width += insets.right;
                    preferredSize.height += insets.bottom;
                    contentPanel.setMinimumSize(preferredSize);
                    contentPanel.setPreferredSize(preferredSize);
                }
            }
            dialogPane.add(contentPanel, BorderLayout.CENTER);

            //======== buttonBar ========
            {
                buttonBar.setBorder(new EmptyBorder(12, 0, 0, 0));
                buttonBar.setLayout(new GridBagLayout());
                ((GridBagLayout)buttonBar.getLayout()).columnWidths = new int[] {0, 85, 80};
                ((GridBagLayout)buttonBar.getLayout()).columnWeights = new double[] {1.0, 0.0, 0.0};

                //---- okButton ----
                okButton.setText("OK");
                okButton.addActionListener(new ActionListener() {
                    public void actionPerformed(ActionEvent e) {
                        okButtonActionPerformed(e);
                    }
                });
                buttonBar.add(okButton, new GridBagConstraints(1, 0, 1, 1, 0.0, 0.0,
                    GridBagConstraints.CENTER, GridBagConstraints.BOTH,
                    new Insets(0, 0, 0, 5), 0, 0));

                //---- cancelButton ----
                cancelButton.setText("Cancel");
                cancelButton.addActionListener(new ActionListener() {
                    public void actionPerformed(ActionEvent e) {
                        cancelButtonActionPerformed(e);
                    }
                });
                buttonBar.add(cancelButton, new GridBagConstraints(2, 0, 1, 1, 0.0, 0.0,
                    GridBagConstraints.CENTER, GridBagConstraints.BOTH,
                    new Insets(0, 0, 0, 0), 0, 0));
            }
            dialogPane.add(buttonBar, BorderLayout.SOUTH);

            //======== panel1 ========
            {
                panel1.setBorder(new EmptyBorder(5, 0, 15, 5));
                panel1.setLayout(new BorderLayout());

                //---- promptLabel ----
                promptLabel.setFont(new Font("Lucida Grande", Font.BOLD, 13));
                panel1.add(promptLabel, BorderLayout.CENTER);
            }
            dialogPane.add(panel1, BorderLayout.NORTH);
        }
        contentPane.add(dialogPane, BorderLayout.CENTER);
        setLocationRelativeTo(getOwner());
        // JFormDesigner - End of component initialization  //GEN-END:initComponents
    }

    // JFormDesigner - Variables declaration - DO NOT MODIFY  //GEN-BEGIN:variables
    // Generated using JFormDesigner non-commercial license
    private JPanel dialogPane;
    private JPanel contentPanel;
    private JPanel buttonBar;
    private JButton okButton;
    private JButton cancelButton;
    private JPanel panel1;
    private JLabel promptLabel;
    // JFormDesigner - End of variables declaration  //GEN-END:variables

    // Example usage
    public static void main(String[] args) {

        java.util.List labels = Arrays.asList("The first field", "F2", "The third field");
        SimpleFormDialog dlg = new SimpleFormDialog((Frame) null, "Prompt", labels);
        dlg.setVisible(true);

    }
}

redpajama_set_name: RedPajamaGithub


YPO, one of the UK's leading public sector procurement organisations, has ramped up its focus on growing the UK's network of apprentices with a new scheme.
The organisation has launched an apprenticeship framework that will allow the UK public sector, including the health and social care sectors, to access apprenticeship training from a range of local and national suppliers.
The framework has been developed by YPO to help all public sector organisations make better use of Apprenticeship Levy funds.
Launching ahead of the government adult social care recruitment campaign in autumn, which seeks to raise the image and profile of the sector, the framework will be vital for many organisations trying to fill their proportion of the 90,000 social care vacancies that are currently unfilled.
Lizzy Grayson, category manager for corporate services at YPO, said: "The Apprenticeship Levy has been in effect for well over a year now and continues to be a contentious piece of legislation for the public sector as the government looks to meet its target of three million apprenticeship starts by 2020. All public sector organisations must purchase their goods and services via compliant procurement regulations and apprenticeship schemes in health and social care sectors are no different.
The YPO Apprenticeship Framework launched on August 1 across the public sector.


text:
Q: Custom titlebar feature works in emulator but does not work in device i am new to android development
i tried to create a custom titlebar in my application. it is working in emulator. but when i run this app in my device...it stopped there(not loading)
xml code for custom titlebar
<?xml version="1.0" encoding="utf-8"?>
<RelativeLayout xmlns:android="http://schemas.android.com/apk/res/android" android:id="@+id/screen"
android:layout_width="fill_parent"
android:layout_height="fill_parent"
android:orientation="vertical">
<TextView android:id="@+id/left_text"
    android:layout_width="wrap_content"
    android:layout_height="wrap_content"
    android:layout_centerInParent="true"
    android:layout_centerHorizontal="true"
    android:layout_centerVertical="true"
    android:gravity="center"
    android:background="@drawable/bg2"
    android:text="Welcome Screen"
    android:textAppearance="?android:attr/textAppearanceMedium"
    android:textColorHighlight="#ffffd4"
    android:textAllCaps="false"
    android:typeface="serif"
    android:textColor="#960000"
    android:textStyle="italic" />

</RelativeLayout>

code in my Activity class
public void onCreate(Bundle b){
    super.onCreate(b);
    requestWindowFeature(Window.FEATURE_CUSTOM_TITLE);
    setContentView(R.layout.welcome);
    getWindow().setFeatureInt(Window.FEATURE_CUSTOM_TITLE, R.layout.mytitlebar);

there is no issue in emulator...it is working fine there but not working in real device
if any one plzz tell me solution.it's urgent guys....

A: In your onCreate() method try as below :
super.onCreate(savedInstanceState);
final boolean customTitleSupported =
        requestWindowFeature(Window.FEATURE_CUSTOM_TITLE);
setContentView(R.layout.main);
if (customTitleSupported) {
    getWindow().setFeatureInt(Window.FEATURE_CUSTOM_TITLE,
        R.layout.titlebar);
}
final TextView myTitleText = (TextView) findViewById(R.id.myTitle);
if (myTitleText != null) {
    myTitleText.setText("CUSTOM TITLE");
}

First check whether Custom Title is supported or not .

A: Plese delete values-v11 and values-v14 folders from your project res folder and try this below code
import android.app.Activity;
import android.os.Bundle;
import android.view.MotionEvent;
import android.view.View;
import android.view.View.OnTouchListener;
import android.view.Window;
import android.widget.ImageView;
import android.widget.TextView;
import android.widget.Toast;

/**
 * @author android
 *
 */
public class MainActivity extends Activity {

    /**
     *
     */
    private TextView textView;

    /*
     * (non-Javadoc)
     *
     * @see android.app.Activity#onCreate(android.os.Bundle)
     */
    @Override
    protected void onCreate(Bundle savedInstanceState) {
        getWindow().requestFeature(Window.FEATURE_CUSTOM_TITLE);
        super.onCreate(savedInstanceState);
        setContentView(R.layout.activity_main);
        this.getWindow().setFeatureInt(Window.FEATURE_CUSTOM_TITLE,
                R.layout.custom_title_layout);
        textView = (TextView) getWindow().findViewById(R.id.titleText);
        System.out.println("Text View is : " + textView);
        textView.setText("My Custom Title");
        ImageView titleImageView = (ImageView) getWindow().findViewById(
                R.id.customTitleImage);
        titleImageView.setOnTouchListener(new OnTouchListener() {
            /*
             * (non-Javadoc)
             *
             * @see android.view.View.OnTouchListener#onTouch(android.view.View,
             * android.view.MotionEvent)
             */
            @Override
            public boolean onTouch(View v, MotionEvent event) {
                Toast.makeText(MainActivity.this,
                        "Title Image On Touch Event Occured.",
                        Toast.LENGTH_LONG).show();
                return true;
            }
        });
    }
}

redpajama_set_name: RedPajamaStackExchange


text:
La Pallamano Parma, conosciuta come Cold-Point Parma per motivi di sponsorizzazione, è una squadra di pallamano con sede a Parma.

Storia

Cronologia

Palasport
La Pallamano Parma disputa le proprie gare casalinghe presso il Pala Del Bono di Parma. L'impianto è sito in via Strobel ed è gestito dal comune di Parma.

Rosa 2022-2023

Voci correlate
 Pallamano
 Parma

Collegamenti esterni

Parma
Sport a Parma


Jan 1st – Shop Open 12-4p. Garden Closed.
Jan 2nd – Shop Open 11a-5p. Garden Closed.
The Oddyssea Garden will be open, weather permitting, Saturday & Sunday 11a-Dusk through Memorial Day.
From all of us at Oddyssea, we do wish you a joyous, relaxing, and meaningful holiday season.
You are currently reading 2017 Holiday Hours at Oddyssea.


Loving the Wealth Angel . . . everything I need seems to manifest at the charity shop, a bike, a bread bin, clothes for work, birthday presents for people, etc. and the manager will take little for it.... Does it stop you minding about lack of financial wealth too? I'm certainly feeling that way inclined.


text:
500 M'sian Muslims in Christchurch often pray at attacked mosques
Amar Shah Mohsen -
17 Mar 2019 / 20:54 H.
A woman writes a note to leave among flowers left in tribute to victims in Christchurch on March 17, 2019, two days after a shooting incident at two mosques in the city. — AFP
PETALING JAYA: About 500 Malaysian Muslims residing in Christchurch often perform their prayers at the two mosques that were attacked by a lone gunman on Friday.
According to Foreign Minister Datuk Saifuddin Abdullah, there are 1,000 Malaysians registered with the Royal High Commission there, of whom around 300 are students pursuing secondary and tertiary education.
Half of these Malaysians are Muslims who frequent the two main Islamic places of worship in the city – the Al Noor and the Linwood mosques.
They also gather there for community events. The other main Islamic venue in Christchurch is the Rasol O' Allah Islamic Centre, which functions more as a cultural heritage site.
The Muslim community represents about 1% of the country's 4.7 million population. There has been a steady inflow of economic migrants and refugees in the past decade.
Meanwhile, the Malaysian Communications and Multimedia Commission (MCMC) warned against sharing the video of the massacre.
Those caught sharing the video may be liable to a fine of RM50,000 or imprisonment for a term not exceeding one year or both, it said.
MCMC chief compliance officer, Zulkarnain Mohd Yasin, said the video could cause unnecessary distress for the victims' families and friends.
"The content while true, is offensive and menacing in nature and is a clear offence under Section 233 of the Communications and Multimedia Act 1998," he said.
"The section prohibits dissemination of indecent, obscene, false, menacing or offensive content with intent to annoy, abuse or harass another person.
"MCMC may take action on those who upload or share the video either publicly or privately, based on reports."
Sabah electricity goes to the ground to facilitate bill payments
Prime Minister Tun Dr Mahathir Mohamad gives a speech at the Beyond Paradigm Summit 2019 today. - Bernama
Malaysia risks losing out with untapped talent in IR4.0: Tun M
Filepic of mothers and minders tending to children at a nursery located in the Muadzam Shah federal government administration complex in Alor Star, Kedah.
Protecting children at care centres
Opposition accuses Speaker of double standard (Updated)


text:
Lakeway Publishers, Inc. - - Wired 100%
Lakeway Publishers, Inc. - - Wireless 100%
Provider: Spectrum
1 provider - 98.37%
3 providers - 0%
At 98%, broadband coverage in the 37760 ZIP code is comparable to the rest of Tennessee - 98%, and comparable to broadband coverage across the U.S. - 95%.
The vast majority of those living in the 37760 ZIP will have access to DSL, which covers 94% of households. Cable internet is also an option for many, offering service to 91% of the area. No fiber-optic providers are currently available in Jefferson City, but satellite or fixed-wireless providers may offer broadband options in your area.
There are five internet providers serving the 37760 area, and 86.31% of households will have internet options from more than one provider. Among five internet providers in 37760, prices start at $30 and available download speeds reach up to 100 Mbps.
The largest internet providers serving the 37760 ZIP code are AT&T, Spectrum, and HughesNet bringing DSL, cable, and satellite options to the area.
DSL internet from AT&T is available to nearly all in the 37760 ZIP code, covering 94% of households. Many will also have the option of cable from Spectrum, which covers 91% of the area. Jefferson City's third most-available internet provider, HughesNet, offers satellite to around 100% of residents in the 37760 ZIP code.
Internet prices for AT&T start at $30/mo.*, which is significantly lower than the average starting price for internet in Jefferson City, $46.25.
AT&T customers who choose the lowest-priced plan can expect speeds up to 100 Mbps, which comes to an estimated $0.30 per Mbps, about the same as the average cost per Mbps for the lowest priced plans in Jefferson City, $0.94.
For those who value internet speed as much as cost, AT&T offers download speeds up to 75 Mbps and upload speeds up to 20 Mbps in 37760 ZIP code. These download speeds are available to 94% of the area, and are about the same as the average max speeds from all Jefferson City's providers, 56 Mbps.
Internet prices for Spectrum start at $44.99/mo.*, which is about the same as the average starting price for internet in Jefferson City, $46.25.
Spectrum customers who choose the lowest-priced plan can expect speeds up to 60 Mbps, which comes to an estimated $0.75 per Mbps, about the same as the average cost per Mbps for the lowest priced plans in Jefferson City, $0.94.
For those who value internet speed as much as cost, Spectrum offers download speeds up to 100 Mbps and upload speeds up to 5 Mbps in 37760 ZIP code. These download speeds are available to 91% of the area, and are slightly faster than the average max speeds from all Jefferson City's providers, 56 Mbps.
Internet prices for HughesNet start at $59.99/mo.*, which is significantly higher than the average starting price for internet in Jefferson City, $46.25.
HughesNet customers who choose the lowest-priced plan can expect speeds up to 25 Mbps, which comes to an estimated $2.40 per Mbps, higher than the average cost per Mbps for the lowest priced plans in Jefferson City, $0.94.
For those who value internet speed as much as cost, HughesNet offers download speeds up to 25 Mbps and upload speeds up to 3 Mbps in 37760 ZIP code. These download speeds are available to 100% of the area, and are about the same as the average max speeds from all Jefferson City's providers, 56 Mbps.
Spectrum is the fastest internet provider in the 37760 ZIP code with download speeds up to 100 Mbps. These speeds are available to 91% of households in 37760. The next fastest internet provider in the 37760 ZIP code is AT&T, offering download speeds up to 75 Mbps to 94% of the area.
AT&T offers the cheapest internet in the 37760 ZIP with service starting at $30/mo. This is significantly less than the average starting price for internet in Jefferson City, $46.25.
Is my internet speed being throttled?
If you suspect your slow speeds are the result of your internet provider throttling your connection, the easiest way to determine if you're being throttled is to perform two speed tests. Run the first test on your regular network, then run the second one on a VPN. If the two speeds are drastically different (and the VPN test was higher), your internet provider may be throttling your speeds.
What's a good speed for gaming?
Speeds of 10 Mbps and higher are good for gaming, but what you really want to consider when choosing an internet service for gaming is latency, or ping. Latency is the measure of how long it takes for your device to communicate with the server and is the main contributor to lag. The higher the ping, the more likely you are to experience lagging. Shoot for an internet service with latency below 100 ms.
Why is my internet slow today?
There are many factors that can influence internet speed. In many cases, restarting your router will resolve speed and connectivity issues. Other factors, such as peak usage times and speed throttling can also cause temporary speed issues.
Home page Tennessee Jefferson City 37760


Ride nights are Monday evenings and start at 6:30pm finishing up around 8:00pm.
Please arrive by 6:15pm to sign in and have time to talk to your ride leaders.
We start our season on April 8th, 2019 at Dutch Cycle. Come out and meet the riders, ride leaders, our great sponsor Freddy Vandelinden and his incredible staff. We then have Tech night on the 22rd of April where we teach you how to look after your bike and fix a flat tire. April 29th will be our first ride outside. We'll head over to the Conexus Arts Centre parking lots to practice some Skills and Drills and make sure that you're ready to ride.
The schedule is pretty simple. There are always questions and if you are new to Spoke n' Hot, this might help.
April 22 - Bike Tech Night: 6:30-8:00 Dutch Cycle. Topics covered: basic bike fit, basic bike parts, pumping tires, changing flat tires, simple bike check.
April 29 - Skills and Drills: 6:30-8:00 Skills and Drills at Conexus Arts Centre. We encourage all new members to attend the Skills and Drills as there are many things to learn, as well as making sure you're ready to be on the road. If you were a Spoke rider last year in Groups 6-11 the Skills and Drills are optional, but your ride leaders strongly encourage you attend to meet them and go over some of the basic expectations.
August 12 – The Last Waltz... Ride hard, then celebrate.
All rides will be broken into groups of similar ability. The beginner groups will be working on road riding skills and group riding, progressing each week. The more advanced groups will have a specific workout targeted at improving their fitness and building each week. The plan for each ride will be discussed prior to heading out.