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Balancing Work and Life - Cruel Reality

I have seen my parents working diligently for 30 years. I don't want to work for money till old age. But this is life. Cruel reality of life is, you need to keep earning.

It is not until 2015, that I learned about work-life balance. My life was directed by my work. Then I got married and my family started grabbing my attention. That's when I started to feel about life.

Work is part of life. We will not live a good life without work. On other hand, taking rest and enjoying life is important.



There are different thoughts. Some says, love what you do, do what you love. When you love your work, it won't be boring. But my point is, whether I love to work or not, I need to earn from my work. At that time, you are adding stress with your love for work. And stress will destroy your whole life.

Take this COVID-19 pandemic as example. People are loosing their jobs. Good, efficient workers are not excluded from the firing range. So, they loved their job, performed well still their j…
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Private Universities trend in Bangladesh

The initiative of establishing Private universities in Bangladesh took place in 1980 but due to some reasons i.e. political turmoil it took a decade to be in functioning in 1992. A proper guideline along with all legal rules and regulation established to facilitate the higher education.
Present status of public and private universities:
Total 37 public universities and 85 private universities are listed in UGC website. UGC declared the name and address of 78 universities where students can enroll themselves and rest 7 universities are running their operation under certain circumstances of court order.

The Best Free WordPress Theme for Blog, Magazine & Business

Finding best free WordPress theme takes lots of time and analysis. I chose the best and free theme after analyzing hundreds of themes. After experiencing, now I can recommend those theme. All the theme described here are free of cost and available in WordPress.
Why WordPress
WordPress is the best Content Management System (CMS). Nearly one forth of the websites are developed on WordPress.

WordPress is Free, open source
Easy to install, takes less than 5 minutes
Easy to manage, there are lots of video tutorials on YouTube
Lots of options for customization with themes and plugins, which are also free

WordPress Theme Categories
Most of the themes are developed for versatile usage. But I found that each theme has unique competitive edge for certain type of website. Like, Hueman theme is perfect for blogging but not suitable for company website. So I have made few categories and analyzed the themes for it's suitable category, those categories are:

Blogging Theme for personal blogging
Magazine Th…

Entry Strategy: Bangladesh Digital Signature Industry

Digital Signature electronically authenticates the author of any document. It encrypts documents with digital codes which is almost impossible to duplicate.
For example, a CEO can provide approval to any project through email with digital signature. Digital Signature ensures that the email is not altered in the way and the CEO cannot deny his approval.
Digital Signature Industry of Bangladesh
Digital Signatures are provided by Certifying Authorities (CA). As Bangladesh Economy is growing and getting digitized, need of digital security is also increasing. Here is the current situation.
2011:
Digital signature is controlled by Controller of Certifying Authorities(CCA) that was established in 2011. National Information & Communication Technology Policy- 2009 provides directions to introduce Digital Signature earlier. It is regulated by Information and Communication Technology (Amended) Act, 2006.

66% vs. 6:
A research revealed that internet adoption in business will be around 66% by 2…

Digital Economy of Bangladesh

Digital Economy refers to the new economy which is based on information communication and computer technology. It is also called Internet Economy.

Everything is going digital. Earlier there was giant computers on big rooms. Now we use smart technology products as hand band, mobile, tab, glasses etc. Presence of digital infrastructures and widespread adoption of technologies in daily life is transforming our work, entertainment, education, transportation, communication, healthcare and business. This changes brought new phase of economy which is called digital economy.
Significance of Digital Economy
Digital Economy has opened new horizons. Now you can work for an American firm sitting in Bangladesh. Technology brings us closer in terms of ease of communications. It also opens millions of windows of innovations and opportunities. A website now can earn a billion and generates thousands of jobs. Even you can get your dream project funded by crowd with the help of internet.

Digital Econo…

What's there for Bangladesh in 2050?

Bangladesh is the 8th most populated country in the world. Having 536 billion GDP (PPP) and around 170 million people, the country is the 31st largest economy of the world. But the country’s economy is growing at more than 5% since 2004.
So, how will be the economy of Bangladesh in 2050?
In recent study titled “The World in 2050 - Will the shift in global economic power continue” projected the followings:

Bangladesh will be the 23rd largest economy in 2050 in terms of GDP PPP
The country’s GDP might be $1,291 billion in 2030 which is more than double compared to $536 billion of 2014
The GDP might be $3,367 billion in 2050 which is more than 6 times compared to 2014
PWC researched 32 country's economy which contributes 84% of whole world’s GDP. Bangladesh is one of the eight countries included in this research for the first time. Here are some other projections:

World’s economy might grow at average 3% per year in the period 2014 to 2050. Though the growth might slowdown after 2020.
The…

Investors Role in Corporate Governance - Survey Findings

I conducted a survey on 2010 for my graduation research. A part of the survey was focused on investors' role in corporate governance in Bangladesh. The investors are directly affected by the corporate governance. They also have responsibilities. Here I have described the survey findings.
Investors Attending AGM or EGM




It is surprising that only 14% of the respondents attended any AGM or EGM and only 2% ever voted for electing or removing directors. It indicates that most of the investors don’t have interest in performing their roles or responsibilities in corporate governance. Their only motive is earning money. They hardly care about the performance of the companies.
Participation in Initial Public Offerings
The respondents were assumed to be secondary market participant but 84% of them were found also active in primary market. Not only they use their own BO account for applying in Initial Public Offer (IPO) but also they operates multiple BO accounts in others names. On average ever…

Impact of Corporate Governance on Bangladesh Stock Market - Survey Findings

As my graduation internship report, I did a research to find out whether the market price of equities is sensitive to corporate governance or not. If the investors rely on fundamental analysis then corporate governance should affect equities’ price. A set of declarations and their impact on equities price were surveyed among a sample of 100 investors. This research didn’t focus on degree of impact of corporate governance on equities price. They survey findings are illustrated below.
Trading Experience

51% of the respondents stated that they started investing in stock market less than one year ago. On the other hand 32% started between 1 to 3 year ago and 17% started more than 3 years ago. That shows that last year there was huge interest in investing in stock market.
Average Investment

Average investment of the respondents is 445,760.50 and mode value is 200,000. These indicate tight portfolio of most of the investors. Tight portfolio is believed to have a more risk propensity as investor…

Corporate Governance and Stock Market of Bangladesh

Inception of Corporate Governance
In Bangladesh, Corporate Governance is relatively new idea. The first initiative was taken by a private consulting firm, Bangladesh Enterprise Institute (BEI), in August 2003 when it conducted a diagnostic study in this field. Based on the study, the BEI published the corporate governance code for Bangladesh in March 2004. Subsequently the Institute of Chartered Accountants of Bangladesh (ICAB) came up with principles and rules to be followed. In January 2006, the SEC issued an order for complying with a number of governance codes. However those conditions are imposed on ‘comply or explain’ basis. The companies listed with any stock exchange in Bangladesh should comply with those conditions or shall explain the reasons for non-compliance.

One reason for the slow progress in adopting corporate governance in Bangladesh is that most of the listed companies in Bangladesh are owned by family members or peers. The owner becomes the chief executive officer and…

Opportunities & Threats of Private University Industry of Bangladesh

Private university industry of Bangladesh experienced a boom within first 20 years as the rise of universities accelerated. In 2013, the total number of private universities was 79, with 10 new private universities waiting for approval from government in 2014.
Opportunities of  private university industry of Bangladesh


Due to political instability private universities have better image than public universities
Public universities cannot fulfill the demand of higher education
In order to get social recognition, top most business entrepreneurs becoming interested to be the members of the Board of Trustees. As a result donors’ donation can be utilized in quality improvement of various sectors
Most of the private universities are in commercial area
Most of the private universities have less number of full-time faculties
Education standard of private universities is increasing
Projects and assignment assigned to the students are more practical and realistic
Course Curriculum of private universities…