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gvwë‡dvKvm 7


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gvwë‡dvKvm 9


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†kL Bdivb 5 RyjvB 2q ïf R¤§ w`‡b AveŸy †Zvgv‡K RvbvB ï‡f”Qv| G †Zvgvi AvMvgx w`b¸‡jv †nvK my›`i I mvejxj|

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gvwë‡dvKvm 25


G gv‡mi ivwkdj wmsn ivwk LFO (21 RyjvB-21 AvM÷) : gvbwmK wPš—v fvebv A‡bK¸‡Y †e‡o hv‡e| `~i †_‡K A‡bK fv‡jv Lei cv‡eb| Z‡e fvB Øviv gvbwmK e¨v_v cvevi †hvM †`Lv hv 8gfv‡e iv `„wó cÖ`vb bv Ki‡j †Zgb GKUv wec‡`i Avk¼v †bB| nvjKv cvZjv i³cvZb, KvUv‡Quov †hvM| wbR cÖwZôvb wb‡q wPš—vfvebv Av‡iv †e‡o hv‡e| wnmv‡e fyj Z_¨ cÖ`vb n‡Z cv‡i| hvi Rb¨ ¶wZi †hvM cÖZvwiZ nIqvi †hvM| Vv v gv_vq K v R Ki“b| mš—v‡bi cÖwZ j¶¨ ivLyb| wk¶v wb‡q wPš—v †e‡o hv‡e| D”P wk¶vq we‡`k hvÎvq weNœ| nVvr A_©fvM¨ Ly‡j hv‡e| wbR¯^fv‡e A‡bK wKQzB Ki‡Z cvi‡eb| ey‡S ï‡b, fv‡jv K‡i wePvi K‡i Pjv‡div Ki“b| Kb¨v ivwk VIRGO (22 AvM÷-22 †m‡Þ¤^i) : me©`v fqhy³, cwZi cÖwZ fv‡jvevmv fv‡M¨vbœwZi †¶‡Î bvbv evav, fvj Kg© wb‡q, ïf K‡g©, wewfbœfv‡e evavi gy‡L co‡Z cv‡ib| cvwievwiK Rxeb †Zgb GKUv myweavRbK Ae¯’v‡b bq| mr I mijZvi Kvi‡Y A‡bK‡¶‡Î cÖZvwiZ n‡Z n‡e| g‡bi e¨v_v g‡bB ivL‡Z n‡e| wPš—v ¶wZ e„w× cv‡e, `~‡i ågY ïf| hvÎv c‡_ mveavb _vK‡eb| ¯¿xi cÖwZ j¶¨ ivLyb| mš—v‡bi cÖwZ we‡kl j¶¨ w`b| bZzb e¨emv ïi“ Kivi Av‡M Avi GKUz wPš—v Ki“b| †`nfve ïf| abm¤ú` jvf, e¯‘ µq| wg_yb ivwk GEMINI (21 †g-20 Ryb) : A‡bK wel‡q mPivPi `¶ n‡Z Lye mveav‡b Pjv‡div Ki‡eb| iv‡Z GKv †ewk †ei bv nIqvB fvj| †Mvcb kΓ Øviv ¶wZi †hvM Av‡Q| g‡bvhvM w`‡q KvR Ki“b| Avcbvi mybvg Av‡iv cv‡eb| K‡g© L¨vwZ AR©b Ki‡Z cvi‡eb| g‡bi evmbv, c~Y© n‡Z Pj‡Q| we‡`k hvÎv ïf| Z‡e Z…Zxq e¨w³ Øviv ¶wZ‡hvM ev mgv‡jvPbvq ci‡Z n‡e| gv_vq AvNvZ †hvM, †Kvgi e¨v_v, nvZ cv e¨v_vq Kó| eyw× I †KŠkj w`‡qB Avcbvi j¶¨ c~Y© Ki‡Z gvwë‡dvKvm 26

n‡e| AZGe wbR cwikªg ØvivB A_©vr Ac‡ii mvnvh¨ cv‡eb bv| AZGe, wb‡Ri c_ wb‡R‡KB mvRv‡Z n‡e| KK©U ivwk CANCER (21 Ryb-20 RyjvB) : †c‡Ui †iv‡M Kó †fv‡M| e`nRg, †Pv‡Li Kó, Pg©‡ivM nevi Kó| A_© Kó n‡Z cv‡i| Z‡e †Póv Ki“b avi bv KivB fvj| hv‡`i 32 eQi n‡q †M‡Q Zv‡`i †Zgb GKUv wPš—v †bB| fvM¨ Avcbv‡K mn‡hvwMZv Ki‡e| 32 eQ‡ii wb‡P hviv Ae¯’vb Ki‡Qb, Zv‡`i wewfbœ mgm¨vq ci‡Z n‡e| mK‡ji fv‡jvevmv cv‡eb| N‡ii †jvK hZ fv‡jvev‡m Zvi‡P‡q evB‡ii †jv‡Ki fv‡jvevmv †ewk cv‡eb| axi MwZ‡Z Pjyb| ivRbxwZ‡Z bZzb gvÎv †hvM n‡e| ˆ`e¸‡Y A‡bK wKQz NU‡Z cv‡i| weevn ev ïf Kg© nevi †hvM| gb‡K Av‡iv eo K‡i †`Lyb, Avcwb fvj _vK‡eb| e„l ivwk TA UR U S ( 2 0 GwcÖ j -20 †g) : e¨emve v w Y R ¨ AvbycvwZKfv‡e fvj hv‡e| A_© wewb‡qv‡M mvdj¨| KvMR, Zij RvZxq e¨emvqx †ewk fvj Ki‡eb| GB mgqUv A‡c¶vK…Z Avcbvi KvR ïf e‡j aiv n‡e| abfve †gvUvgywU jvfRbK Ae¯’vq _vK‡eb| cyiv‡bv cvIqvbv cvevi †hvM| hv `vwqZ¡‡eva †e‡o hv‡e| gvbwmK Ae¯’vi cwieZ©b| mnR mijZvi Kvi‡Y A‡bK mgq wec‡` ci‡Z cv‡ib| ¯¿x Øviv mn‡hvwMZv jvf| `yó eÜz n‡Z mveav‡b _vKv fvj| Rjc‡_ mveav‡b Pjv‡div Ki‡eb, M„‡n bvbvfv‡e kvwš— weNœ nevi †hvM| Avcbvi nVvr eyw×i Kvi‡Y A‡bK wec` †_‡K D×vi n‡Z cvi‡eb| wk¶v‡¶‡Î †Zgb wPš—v bvB| Z‡e Av‡iv g‡bv‡hvMx nIqv fvj| Ang Z¨vM Ki“b| mš—v‡bi cÖwZ j¶¨ w`b, ¯¿xi cÖwZ j¶¨ ivLyb| m¤§vb w`‡q K_v ejyb| fvj wPš—v Ki“b| †gl ivwk ARIES : Avcbvi AwacwZ MÖn g½j †gvUvgywU fvj mgq e‡j aiv n‡e| k+g Gi Aš—i `„wó †Kgb Av‡Q fvj K‡i †Kv‡bv cw ‡Zi KvR †_‡K †R‡b wb‡eb| fvB †evb ev AvcbRb‡K Avcb K‡i wb‡Z PvB‡eb| K…òv Z…Zxqv wKsev `kgx wZw_‡Z Rb¥MÖnY K‡i‡Qb †hme RvZK RvwZKv Zv‡`i msmvi Rxeb me©w`‡K myLgq nq| cvwievwiK gvb-m¤§vb k„•¶jv eRvq ivLvi Rb¨ me©gq †Póv K‡i _v‡Kb| G‡`i g‡bi g‡Zv KvR bv n‡j †i‡M hvb| cvZjv †Kkhy³ abx DMÖ g‡bi n‡q _v‡Kb| Z‡e G‡`i gb †Kvgj I Z¨vMx m¤ú`kvjx, Mixe Lye GKUv †`Lv hvq


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ïf e‡j aiv n‡e| bZzb K‡g©i †hvMm~Î n‡Z cv‡i| fv‡M¨vbœwZi m¤¢vebv| Kg©‡¶‡Î wbKU eÜz Øviv ¶wZi Avk¼v| A‡nZzK e`bvg, Acev` nIqvi †hvM| †cÖ‡gi †¶‡Î †ek mybvg AR©b| †`nfve †Zgb fvj hv‡e bv| aby ivwk SABITTAIUS (22 b‡f¤^i-20 wW‡m¤^i) : m¤ú` jv‡fi Avkv Av‡Q| Awfbq I m½xZ wkíx‡`i Rb¨ ïf| A‡bK‡¶‡Î †ek mybvg I `¶Zvi cwiPq NUvi m¤¢vebv| wb‡Ri cwikªg GKvMÖZv Avbvi j‡¶¨ c~Y© eq‡m †Kv‡bviƒc mvnvh¨ ev mn‡hvwMZvi cÖ‡qvRb n‡e bv| bZzb e¨emv bv nIqvi fvM †ewk| Kg©‡¶‡Î †ek mybvg AR©b n‡e| Z‡e bvbvwea evavi gy‡L c‡i gvbwmK Pvc e„w×, eÜz‡K †ewk wek¦vm bv KivB fvj| cÖZvwiZ nIqvi Avk¼v| KvMR, cy¯—K, ivwLgv‡ji e¨emvq jvf| A‡nZzK Sv‡gjvq Rwo‡q ci‡Z cv‡ib| gKi ivwk ADRICON (21 wW‡m¤^i-19 Rvbyqvwi) : fw³‡hv‡Mi D`q, cwZi cÖwZ j¶¨ ivLyb| fyj c‡_ cwiPvwjZ n‡Z cv‡i| wb‡Ri cwikªg I eyw× w`‡q A‡bK eo KwVb KvR mgvavb Ki‡Z cvi‡eb| bZzb K‡g©i mÜvb cv‡eb| Kg©‡hvM Avcbvi mnvqK wnmv‡e KvR Ki‡e| M„‡n cyivb AwZw_i mgvMg I Avb‡›`i ga¨w`‡q KvU‡jI A_©m¼‡U ci‡Z cv‡i| M„nkvwš— Lye GKUv cv‡ebbv| mš—vb‡`i wk¶v wb‡q gvbwmK Pvc e„w×| cvcM„n eµ`„wó nIqvi Kvi‡Y A‡bK KwVbKvR mnRZi n‡e| gvbwmK kvwš— A‡bK‡¶‡Î e„w×i w`‡K hv‡e| M„n wbg©vY Kv‡R Sv‡gjv| kixi R¡vjv, Pg©‡ivM, †c‡Ui cxov †e‡o hv‡e|

gvwë‡dvKvm 27


Basic Of Multi Focus A.Q.M. jasim Uddin Consultant Multifocus Business Systems Ltd. Multi focus wK? Multi focus Business Systems Ltd (gvwë †dvKvm

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fwelr cwiKíbvaxb cÖKímg~n :

l G Uz †RW cY¨ ev †mev cÖ`v‡bi Rb¨ gvwë †gMvmc ¯’vcb| l Avš—R©vwZK gv‡bi †PBb dzU mc I KwgDwbwU †m›Uvi ¯’vcb| l wcÖ›U GÛ B‡jUªwbK wgwWqv ¯’vcb| l `¶ gvbe m¤ú` ˆZix‡Z KvwiMix cÖwk¶Y †K›`ª ¯’vcb I

we‡`‡k Kv‡Ri wbðqZv| wPwKrmv †mevi Rb¨ nvmcvZvj/wK¬wbK/†gwW‡Kj †m›Uvi ¯’vcb| l Avš—R©vwZK gv‡bi Kzwiqvi mvwf©m cÖwZôvb ¯’vcb| l

gvwë‡dvKvm 28

Engr. Hasan Alam Sumon R-2 President, Multifocus Business Systems Ltd. Uz¨i Acv‡iUi, Uªv‡fj G‡RwÝ, nR¡ I Igivn G‡RÝx wn‡m‡e KvR Kiv| l cwienb †mev cÖ`vb| l DbœZ gv‡bi ¯‹zj I K‡jR cÖwZôv| l K…wl wfwËK wkí I B B Gd mn‡hvwMZv wb‡q Ab¨vb¨ wkí ¯’vcb| l

gvwë †dvKvm †Kvb c×wZ‡Z cY¨ I †mev evRviRvZ K‡i _v‡K gvwë †dvKvm Gg.Gj. Gg. c×wZ‡Z cY¨ I †mev wecYb K‡i _v‡K| Z‡e Gi gv‡K©wUs cwiKíbv cÖPwjZ Gg.Gj. Gg. c×wZi K‚U-‡KŠkj ewR©Z I mij cÖK…wZi| †hgbÑ 1) gvwë †dvKvm wek¦vm K‡i, e¨w³ AvqB ivóªxq Av‡qi Drm| 2) cY¨g~j¨ wba©vi‡Y weåvwš—Ki c‡q›U f¨vjy ev wcwf cÖ_v †bB| 3) Kwgkb mivmwi UvKvi As‡Ki kZKiv nv‡i cÖ`vb Kiv nq| cªZviYv g~jK cv‡m©vbvj wcwf ev †Kvqvwjdvwqs wcwf bvgK AwZwi³ wewb‡qvM e¨e¯’v cwinvi Kiv n‡q‡Q| 4) cÖnmbg~jK ÔmvB‡KjÕ, ÔAiweUÕ ev d¬¨vwks wm‡÷‡gi Aw¯—Z¡ gvwë †dvKvm c-¨v‡b †bB| 5) cÖPwjZ evBbvix ev BDwb‡j‡f‡j we`¨gvb fqven eva¨evaKZv gvwë †dvKv‡m †bB| 6) ÔIqvb Wªc BbKvgÕ A_©vr One Sale One Profit †Kv¤úvwbi g~jbxwZ| BbKvg †c‡Z †Rvov wgjv‡bv, †÷c ev evBbvix Kivi `iKvi nq bv| 7) e¨v‡jwÝs AwZwi³ †hvM¨Zv wnmv‡e we‡ewPZ nq Ges Zv cÖ‡gvkb I Bb‡mwUf cÖvwßi gvb`Û n‡q _v‡K| 8) Auxiliary c‡Y¨i †¶‡Î ÔStraight Rute Commission’ c×wZ Aej¤^Y K‡i| m‡e©vcwi, gvwë †dvKvm wek¦vm K‡i, GKRb MÖvn‡Ki AK¬vš— K‡g©i dmj Zvi wUg| †Kv‡bv Kgx© ev jxWv‡ii cvKv av‡b gB w`‡q gvwë †dvKvm Zvi †Mvjv fivq bv| cÖwdU Gi 90% fvM weR‡bm c-¨v‡b wWw÷ªweDkb Kiv nq| SDIN SDIN Gi c~Y© A_©vr Smart Distributor’s Identification Number. GwU g~jZ: MÖvnK mbvw³KiY †KvW b¤^i we‡kl|

cªwZwU MÖvn‡Ki †KvW bv¤^i Avjv`v Avjv`v| GKB bv‡gi AmsL¨ e¨w³ _vK‡Z cv‡i wKš‘ GKB †KvW b¤^i GKvwaK nq bv| Kw¤úDUvi KvD‡K bv‡g wPb‡Z cv‡i bv, wKš‘ †KvW b¤^i G›Uvi Kivi m‡½ m‡½B Zv‡K wPwýZ Ki‡Z cv‡i| DS NO. DS No. Gi c~Y© A_© Distric Serial Number.

weR‡bm †m›Uvi mvaviY A‡_© weR‡bm †m›Uvi ej‡Z †Kv‡bv cÖwZôvb‡K eywS‡q _v‡K †hLv‡b BbKvg Av‡m| †hgbÑ †`vKvb, Awdm, weµq †K›`ª cÖf„wZ| wKš‘ Ôgvwë †dvKvm weR‡bm wm‡÷gmÕ Kg© c×wZ‡Z weR‡bm †m›Uvi n‡”Q SDIN w`‡q msiw¶Z I myiw¶Z GKwU


dvBj we‡kl, hv GKRb e¨w³i R‡qwbs †_‡K ïi“ K‡i cieZ©x cÖwZwU Kvh©¨Kjvc I †jb-†`b wjwce× K‡i Ges mßv‡n GKevi dvBj¸‡jv †PK K‡i Commission Report cÖ`vb K‡i| GKwU weR‡bm †m›Uv‡i KLb Kwgkb Av‡m hLb GKwU e¨emv †K‡›`ªi †h‡Kv‡bv cv‡k GKwU bZzb SDIN b¤^i cÖ‡ek K‡i, ZLbB IB e¨emv †K‡›`ª Kwgkb Av‡m| Abyiƒc fv‡e, GK mßv‡n †Kv‡bv weR‡bm †m›Uv‡i hZ¸‡jv SDIN b¤^i cÖ‡ek Ki‡e cÖwZwUi Rb¨B wba©vwiZ Kwgkb cÖ`vb Kiv n‡e| GB Kwgkb `yB cÖKvi l l

¯úÝwis Kwgkb ev WvB‡i± Kwgkb| †mjm Kwgkb ev wm‡÷‡gwUK Kwgkb|

gvwë †dvKvm Avq wZb ai‡bi

General Income - GI - (Family club & Friends club †_‡K wbqg Abyhvqx †h mKj Avq Zv‡KB GI eySvq|) Profit for Auxiliary Product Income - PAPI (Auxiliary Product mg~n †h †Kvbfv‡e MÖvn‡Ki gva¨‡g weµq

n‡j jf¨vsk MÖvn‡Ki wnmv‡e e›Ub Kiv n‡e Zv‡K eySvq)

Extra Income - EI (†h mKj weR‡bm †m›Uvi¸‡jv †Kv¤úvwb †_‡K ev‡Rqvß †NvlYv Kiv n‡e †m mKj weR‡bm †m›Uvi¸‡jv‡K cybivq †h †Kv‡bv MÖvnK Pvjy Ki‡j IB ev‡Rqvß †m›Uv‡ii 50% gvwjKvbv †fvM Ki‡Z cvi‡e Zv‡K eySvq)|

cY¨ ev †mev cwiwPwZ gvwë †dvKvmÕi cY¨ ev †mev `yÕ ai‡bi (K) Principal product. (L) Auxiliary products. (K) Principal product (†Kv¤úvbxi MÖvnK nIqvi Rb¨ Principal product µq Kiv eva¨Zvg~jK)| `xN© †gqv`x wbivcËvi Rb¨ evsjv‡`‡k cÖPwjZ exgv †Kv¤úvwbi AvIZvq wb‡q Avmv| (`yB Rb †K WvB‡i± ¯úÝi Ki‡j `xN©‡gqv`x wbðqZv (SzuwKi mKj wKw¯—i `vwqZ¡mg~n gvwë‡dvKvm enb Ki‡e| A_©vr A‡Uv Pj‡e) exgv †Kv¤úvwbi bvg : cÖ‡MÖwmf jvBd BbwmI‡iÝ †Kv¤úvwb wjwg‡UW cÖKí bs : 27 cÖKí bvg : gvwë‡dvKvm Bmjvgx exgv cªKí SuzwK : 1,00,000/- (GK j¶) UvKv †gqv` : 15 eQi Avq e„w× I `xN©‡gqv`x wbðqZvi mgwY^Z cwiKíbv gvby‡li Rxeb AwbðqZvq cwic~Y©| †h‡Kv‡bv mgq Zvi Dci †b‡g Avm‡Z cv‡i `yN©Ubvi LoM wKsev g„Zz¨| GKwU `yN©Ubv, mviv Rxe‡bi Kvbœv| Avi msmv‡i DcvR©bKvix e¨w³i g„Zz¨ gv‡bB cwieviwU c‡_ e‡m cov| Gme †¶‡Î, msmv‡i †eu‡P _vKv gvbyl ¸‡jvi Avkv-AvKv•¶v nVvr S‡i c‡o, cwiev‡ii j¶¨ I D‡Ïk¨ wejxb n‡q hvq, ¯^cœ I m¤¢vebv Uz‡U hvq| hyM hyM a‡i engvb msmv‡ii GB w`KwU Ae‡jvKb K‡iB mgvR weÁvbx‡`i wPš—v-†PZbvq VuvB cvq gvby‡li Life Risk Cover Kivi welqwU| †mB m~Î a‡iB GKwU wbðqZv weavb cwiKíbv cÖYxZ nq, hvq bvg Life Insurance ev Rxeb exgv| Avgv‡`i †`‡ki 3% †jvK Life Insurance m¤ú‡K© m‡PZb, evKx‡`i g‡a¨ †KD †KD Gi fv‡jv w`KwU Abyaveb Ki‡Z cvi‡jI A_©‰bwZK mxgve×Zvi Kvi‡Y exgvi AvIZvq Avmvi

my‡hvM Ki‡Z cvi‡Qb bv| Avevi †KD †KD ïf wPš—vi ev¯—evqbv‡_© exgv cwjwm MÖnY Kivi ci K‡qK wKw¯— wcÖwgqvg cwi‡kva Kivi ci A_©‰bwZK Uvbv-†cv‡o‡b Avi AMÖmi n‡Z cv‡ib bv| exgvKvix 80% fvM Rb‡MvôxB G cwiw¯’wZi wkKvi| GB †cÖw¶‡Z Multi Focus Plan wU Avcvgi Rbmvavi‡Yi Rb¨ Avkxe©v`¯^iƒc| †`‡ki me©¯—‡ii Rb‡Mvôx‡K exgvi AvIZvq wb‡q Avmv, AwbwðZ Rxe‡bi m~`yicªmvix wbðqZv cÖ`vb I e¨w³ Z_v cvwievwiK Avq e„w× Ges †Kv¤úvwbi wbR `vwq‡Z¡ exgv wcÖwgqvg cwi‡kva msµvš— GK Awfbe cÖKí wb‡q gvwë †dvKvm AvZ¥cÖKvk K‡i‡Q| evsjv‡`‡k G ai‡bi c`‡¶c GUvB cÖ_g| 15 eQi †gqv`x cwiKíbvi AvIZvq 1 Rb e¨w³i 1 jvL UvKvi SzuwK gvwë †dvKvm nv‡Z wb‡”Q| G wbwg‡Ë MÖvnK‡K gvÎ 3000/= (wZb nvRvi) UvKvq GKgvÎ wKw¯— ev wcÖwgqvg cÖ`vb Ki‡Z nq| GB wcÖwgqvg cwi‡kva Kivi ci MÖvnK Zvi wcÖqRb‡`i ga¨ †_‡K gvÎ 2 e¨w³‡K Life Risk Program Gi AvIZvq wb‡q Avm‡eb| 2 e¨w³‡K GB †cÖvMÖv‡gi AvIZvf~³ Kivi ci cÖ_g e¨w³i cieZx©i mKj wcªwgqvg A‡Uv-‡c wm‡÷gGi Aš—f©~³ n‡q hv‡e| †mB m‡½ Pvjy n‡q hv‡e Avq e„w× cwiKíbvi Kvh©¨µg| Avevm‡bi e¨e¯’v-5 KvVv Rwg, (MÖ“c wfwËK), 7 eQi †gqv`x , gvwmK wKw¯—‡Z cwi‡kva †hvM¨ | (gvwmK wKw¯—‡Z cwi‡kva Ki‡Z nq) Avevmb cÖK‡í gvwë †dvKvm Gi Av‡qvRbmg~n (K) †`‡ki cÖwZwU ‡Rjv kn‡ii DcK‡Ú M‡o †Zvjv n‡e gvwë †dvKvm wmwU| (L) eivÏK„Z c-‡Ui cwigvY 5 KvVv (MÖ“cwfwËK gvwjKvbv)| (M) ¯’vb‡f‡` Rwg g~j¨ Kg †ewk n‡e | (N) gvwmK wKw¯—‡Z 7 eQi †gqv‡` gyj¨ cwi‡kva †hvM¨| (O) 20% gyj¨ cwi‡kv‡a evqbv †iwR‡÷ªkb, 80% gyj¨ cwi‡kv‡a c-U ey‡S †bIqv, 90% gyj¨ cwi‡kv‡a mvd-Kejv `wjj n¯—vš—i| (P) Multi Focus Devolopers Gi m‡½ fwel¨r Pzw³‡Z wbR¯^ wewb‡qvM QvovB †c‡Z cv‡ib Avcb wbev‡mi Pvwe| Ômevi Rb¨ AvevmbÕ cÖKíwU gvwë †dvKv‡mi Av‡iv GKwU `xN©‡gqv`x wbivcËv I wbðqZv cwiKíbv| wbæ I ga¨weË Rb‡Mvôx G cÖK‡íi AvIZvq KvR K‡i kª‡gi wewbg‡q †c‡Z cv‡ib wbR¯^ Avevmb| kn‡ii 80% I MÖv‡gi 30% gvbyl wbR¯^ wVKvbvnxb | c‡ii wbevm n‡”Q Zv‡`i avi Kiv mvgwqK wVKvbv| wVKvbvnxb †KvwKj †kªYxi GB ewÂZ gvby‡li K_v †KD g‡b iv‡L bv| gvwë †dvKvm GB †kªYxi Rb‡Mvôxi K_v gv_vq †i‡L AwZ mn‡R †gŠwjK AwaKv‡ii Ab¨Zg AwaKviwU ev¯—evq‡bi my‡hvM w`‡”Q| †mRb¨ cÖ‡qvRb ïayÑ l Avcb f~eb Movi ¯^cœ I B”Qv l bvggvÎ eywKs gvwb Avi wewb‡qv‡Mi K_v fve‡Qb? bvg gvÎ eywKs gvwb 3000/=(wZb nvRvi) UvKv cÖ`vb K‡i gvwb wiwmÞ ey‡S wb‡q GKwU dig c~iY Kivi gva¨‡g Avcwb †Kv¤úvwbi †m›Uªvj gv‡K©wUs c-v‡bi AvIZvq wM‡q Avbwjwg‡UW Av‡qi c_ †e‡q Multi Focus †_‡K Avq K‡iB cÖ_‡g Rwgi gvwjK, c‡i wbR¯^ wewb‡qvM e¨wZ‡i‡KB n‡Z cv‡ib Mwe©Z d¬v‡Ui gvwjK | A_©‰bwZK ¯^vaxbZvi cvkvcvwk AwR©Z GKwU d¬¨vU evwo‡q †`‡e Avcbvi wbf©iZv, wbivcËv I ¯^v”Q›`¨| wb‡Ri I mgv‡Ri `vwi`ª¨, nZvkv I eÂbv †gvP‡bi m‡½ m‡½ mK‡ji Rb¨ Avcb wVKvbv Movi gnvb Kvh©µ‡g AvcwbB n‡Z cv‡ib c_cÖ`k©K| myyLx-mg„× evsjv‡`k MV‡b ivL‡Z cv‡ib AMÖYx fywgKv| Avcbvi Ae`vb hyM hyM ¯§iYxq _vK‡e| gvwë‡dvKvm 29


(L) Auxiliary products (mevB µq Ki‡Z cvi‡e wKš‘ †Kv¤úvwbi MÖvnK n‡Z cvi‡e bv)| wbZ¨ cÖ‡qvRbxq l cÖmvabx l dzW mvwc-‡g›U, (Wvqv-†Kqvi, mqv †cÖvwUb, d¬vjvK&mxW A‡qj, bvB‡Rjv A‡qj, BbK‚bvj BZ¨vw`) l wejvm mvgMÖx, (gvwë‡dvKvm wUwf)

l l

M„nmvgMÖx wPwKrmv I Jla mvgMÖx

gvwë †dvKvm Gi Avq cwi‡kva c×wZ 3 cÖKvi ˆ`wbK: (¯úbmwis m¤§vbx) dig Gw›Uª nevi 12 N›Uv ci cÖ‡`q| l mvßvwnK: †mvgevi †_‡K kwbevi ch©š— Kvh©w`em Ges iweevi Kwgkb cÖ`vb w`em| l gvwmK: mKj Aw·jvwi BbKvg gv‡mi 5 Zvwi‡L cwi‡kva‡hvM¨| (Pj‡e) l

gvwë‡dvKv‡m MÖnK n‡j Avcwb wK wK cv‡”Qb ? l e¨emv †K›`ª| l cwiwPwZ cÎ| l `xN©‡gqv`x wbðqZvi Rb¨ exgv ev Avevmb e¨e¯’vq

IT DG

cÖ‡qvRbxq KvMR cÎ|

l wWmKvD‡›U µq| l cÖwk¶Y, wk¶v mdi I åg‡Yi myweav| l Awdm myweav| l Sponsor Bonus, Kwgkb, Bb‡mw›Uf †fvM Kiv| l Unlimited & without condition income. l MÖvnK‡`i gi‡bvËi `vex c~iY gvwë †dvKm †_‡K|

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gvwë‡dvKvm 30


nvBjvBUm : gvwë †dvKvm

GgwW‡K dzj w`‡q eiY K‡ib e¸ovi wjWvi Aveyj ev‡m` ZvjyK`vi

ivRkvnxi gvwë‡dvKvm µxovP‡µi †L‡jvqvo‡`i gv‡S GgwW

cvebv cyi¯‹vi weZiYx Abyôv‡b †d«ÊmK¬ve AR©bKvix‡`i m‡½ GgwWmn Ab¨vb¨iv

ivRkvnxi KvRjvq MÖ“c wgwUs‡q AvMZ‡`i wWw÷ªweDUie„›`

wek¦Kvc dzUej Adv‡i e¸ovq wUwf cÖ`vb Ki‡Qb gv‡K©wUs cwiPvjK

wek¦Kvc dzUej Adv‡i cvebvq wUwf cÖ`vb Ki‡Qb GgwW

cvebvi AviAvg GKv‡Wgxi AwW‡Uvwiqv‡g †cvMÖv‡gi GKvsk

bIMuvq gvwë‡dvKv‡mi †cvMÖv‡gi GKvsk

gvwë‡dvKvm 31


mvaviY Ávb

?

1. Mig cvwbi SiYv evsjv‡`‡ki †Kv_vq Aew¯’Z ? u mxZvKzÛ 2. µxov msMxZ iwPqZv †K ? u †mwjg ingvb

3. evsjv‡`‡ki RvZxq msMxZ KZ jvBb wewkó ? u 10 jvBb

6. XvKv Rv`yN‡ii eZ©gvb bvg wK ? u RvZxq Rv`yNi

?

? ?

4. †eMg †iv‡Kqv mvLqvZ †nv‡mb Gi Q›` bvg wK ? u bvix RvMi‡Yi AMÖ`~Z 5. RvZxq msm‡`I ¯’cwZ †K ? u jyB AvB K¨vb

?

7. wfUvwgb wm †K wK RvZxq GwmW ejv nq ? u ¯‹vi weU 8. gvbe‡`‡ni Aw¯’i msL¨v KZ wU ? u 33 wU

9. RbmsL¨v welqK wk¶v‡K wK wk¶v ejv nq ? u Rb weÁvb

?

auv auv 1. †QvÆ GKUv cyKzi, R‡j Ujgj K‡i| me©bvk nq hw` Zv‡Z wKQz c‡o| u †PvL 2. wZb A¶‡i bvg hvi Lvevi wRwbm nq| cÖ_g A¶i ev` w`‡j gwnjv‡`i k‡Li wRwbm nq| u †LPzwo 3. N‡ii †Kv‡Y euvwk evRvq bvMi †Zv bq, gvbyl Kvgovq, Mi“ Kvgivq, evNI †Zv bq| u gkv 4. Avwg Zzwg GKRb, †`wL‡Z GKiƒc| Avwg KZ K_v KB Zzwg †Kb Pzc ? u d‡Uv 5. Aí w`‡j ivMvivMx, †ewk w`‡j †`vl| Kvwj`vk cwÛZ ej‡Q Av›`vR (cwigvY) g‡Zv w`m| u jeY 6. Avq n¨vq Kijv wK Ici †_‡K coj wK, Ni hvq `iRv w`qv| Avwg hve †Kv_v w`qv| u RvwK Rvj wkwib Av³vi, cUzqvLvjx

Avcwb wK j¨vcUc, Kw¤úDUvi wUwf, wd«R wKb‡Z Pv‡”Qb? wK fve‡Qb, GKKvjxb G‡Zv UvKv?

AvgivB w`w”Q Gi mgvavb

mnR k‡Z© wKw¯—‡Z wb‡Z cv‡ib Avcbvi cQ‡›`i wRwbmwU

Zvn‡j AvRB †hvMv‡hvM Ki“b

A·‡dvW© gvwëcvicvm †Kv-Acv‡iwUf †mvmvBwU wjt 435/G/1, (Gg Gm GKv‡Wwg), Iqvi‡jm †iBj‡MU, eo gMevRvi, XvKv-1217 †gvevBj t 01717039323, 01912389605, 01724004502 E-mail: omcs2006@gmail.com

we.`ª. A·‡dvW© Gi Rwg, †cÖvWv± mvgMÖx cÖK‡í wbwðZ jv‡f †h‡Kv‡bv AsK Bb‡f÷ Ki‡Z AvMÖnx n‡j †hvMv‡hvM Ki‡Z cv‡ib| gvwë‡dvKvm 34


Multifocus august issue 2010  

published from bangladesh