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Innowacyjna regulacja odnosi się do kredytów konsumenckich, to znaczy wszystkich wierzytelności zaciąganych przez figury fizyczne do sumy 255 tys. zł (nie dotyka kredytów hipotecznych). Ma ona podeprzeć pozycję kontrahenta w kontaktach z jednostkami finansowymi (banki, SKOK-i, firmy pożyczkowe). Po przemianie regulaminów będzie można swobodniej niż do tej pory porównać różne oferty za sprawą zintegrowanego formularza informacyjnego. Pozostaną w nim wymienione koszty długu, między innymi stawka oprocentowania, każdych dodatkowych należności, ale zarówno okoliczności spłaty wierzytelności. Kredytodawca będzie musiał dodatkowo nieodpłatnie udzielić kredytobiorcy projekt umowy, tak aby ten mógł zaznajomić się z nią spokojnie np. w domu.

Wedle ustawy będziemy mieli więcej czasu na podjęcie decyzji o rezygnacji z zaciągniętej pożyczki. Do tej pory można było to uczynić w czasie 10 dni po jej zdobyciu, obecnie będziemy mieli na to 2 tygodnie. Jeśli zrezygnujemy instytucja finansowa nie będzie mógła zatrzymać nabytej prowizji, jak dotąd, a wyłącznie oprocentowanie za te parę dni.

Bank nas wypróbuje.

Trudniej o kredyt -przeczytaj…

Instytucje finansowe będą jeszcze w wyższym stopniu dogłębnie, niż dopóty, testować wiarygodność finansową kredytobiorców, w tym w Krajowym Rejestrze Długów. Jeżeli okaże się, że jesteśmy notowani w rejestrze kredytów i na tej podstawie nie pozyskamy kredytu, to pożyczający będzie musiał sprecyzować źródło negatywnych wiadomości, a my będziemy mogli je zweryfikować czy nie zaszła omyłka.

Dużo na nowych zmianach zyskają firmy pozabankowe takie jak np. Provident. Pożyczki w provident już pewien okres temu zyskały wielką popularność. Po wprowadzeniu tych modyfikacji jeszcze więcej zyskają.

Height: 5’3”
Horoscope: Aries
Hometown: Chittagong
Education: A’ level candidate
Date of Birth: April 19, 1991
Eye Colour: Dark Brown
Skin Tone: Fair

Ambition: To have a successful career and a happy family
Favourite past time: Chatting and shopping
Interests: Walking on ramp for various brands, singing and belly dancing.
Favourite food: Pizza and french fries
Motto: Live life king-size

Fashion and style statement: My long nails filled with unusual colours
She looks best in: Evening gown
Favourite Brand: DKNY
Favourite TV show: America’s Next Top Model
Favourite Jewelleries: Earrings and bracelets

Quotation:
‘I am a superstar because I was born to become one and I think I can represent my generation very well. I also believe that I can be a good role model for today’s generation.’

Lux Channel i Super Star

Who will wear the crown in the upcoming ‘Lux-Channel i Super Star 2009′? The grand finale is scheduled to be held on January 22. Viewers are eagerly waiting the day that will determine the winner from the five finalists — Mehazabien, Ishana, Orsha, Tahseen and Swarna.

Mehazabien Chowdhury dreams of a successful career and a happy family. Her motto is to live life like royalty. She wants to represent her generation as well as be a role model for young women. Born on April 19, 1991, Mehzabien treasures her earrings and bracelets. Facebook and shopping dominates her free time.

Mounita Khan Ishana fantasises about being the next superstar. “While there is life, there is hope” is her motto. She believes inner strength, experiences and truth cannot be lost or taken away. Born on December 16, 1989 Ishana looks graceful armed with the perfect smile. Ishana likes reading books and watching movies.

Nazia Haque Orsha aspires to be an actress. Being a wholesome and honest person is her aim. Her positive outlook, confidence and pragmatic efforts are noticeable in everything she does. Born on May 21, 1991, Orsha wants to uphold our culture through her performances in the days ahead. Orsha loves watching plays.

Sifat-E-Tahseen also wants to be a good actress and a good person. She thrives on positive thoughts, confidence and self-respect. She thinks that she was born to be a superstar. Born on April 1, 1991, Tahseen always considers the acceptability and comfort of things. Earrings and necklaces are her favourite jewelleries. She is into dancing, singing, painting and news presentation.

Sadika Parvin Swarna is yet another aspiring actress. Her motto is attaining maximum happiness with minimum cost. Born on January 19, 1982, Swarna has a fascination with everything casual and simple. Anklets, bangles and necklaces are her favourite jewelleries. Watching movies, listening to music, reading novels and dancing are her favourite pastimes

Over 500 young talents took part in the competition from Mymensingh, Tangail, Jamalpur, Sherpur, Netrakona and Kishoreganj.

Of them, six earned ‘Yes’ cards to take part in the next rounds of the competition at the national level. The lucky ones are — Sente Buntia Malek, Sirajum Munira and Shirin Akhtar from Mymensingh; Farhana Ahsan Nupur from Jamalpur; Merina Akhtar from Netrakona and Afroza Islam from Tangail.

The judges of the competition were actress Tazin Ahmed, Farah Ruma, Shihab Shaheen and Shamim Shahed. The young talents along with their guardians were present till the final announcement of the result.

Other rounds of the audition will be held in Dhaka, Rajshahi, Bogra, Sylhet, Khulna and Chittagong.

Azim grew up in Meherpur. A small town boy with big dreams, he moved to Dhaka to study Economics at the University of Dhaka. It was during his second year in university when he went to a store opening to see if he could have an audience with designer Bibi Russell. Her words of advice? Finishing his education, because without it, she said, he wouldn’t get too far. He took her words as a mantra while allowing himself to do small modelling jobs for clothing stores such as Altamira (2001). But once he completed his Bachelors, Azim started to train rigorously under the eye of Russell.

His first big break came in 2002 when he landed a ramp rig with Indian designer Sabyasachi Mukherjee who was having a show in Dhaka. He then caught the eye of South African photographer Neo Ntsoma who was in town for a documentary photo shoot. Ntsoma’s photographs of Azim appeared in Parisian magazine Saolo (2002) and they also made their way to Unitrend.

Till that point, Azim had been very selective about doing editorial shoots or any sort of product campaigns, because he felt he couldn’t give it enough time. But when Unitrend approached him with a campaign for Siemens (2002), he wisely agreed. The Siemens ad led to the Aktel campaign (2003) and that is exactly how he landed on most of the billboards in town!

After the Aktel job, he became a full-fledged ramp model. Meanwhile, he started getting a lot of offers to do commercials, editorial shoots and even movies but he didn’t take them up because he wanted to do quality work.

In 2004, he went to India to shoot a commercial for Aarong where he was exposed to more people in the media. He got further offers but still didn’t take any of them. He then met style and fashion guru Prasad Bidappa who saw a lot of potential in him and asked him if he was interested in spreading his horizon as far as India. At that time not being well acquainted with Bidappa’s work, he didn’t take the offer seriously. Instead, he went to Australia for a BGMEA show. Then during the model screening of the first Bangladesh Fashion Week, he ran into Prasad Bidappa again. Once the Fashion Week was over, Azim went to Spain for yet another fashion show.

In the meanwhile, he kept Bidappa’s offer in mind. Upon returning to Dhaka, he decided to go and check out the modelling scene in Bangalore. And from there, as the cliché
goes, it was history. Now, after almost a year Azim can proudly say that he has modelled for most of India’s best designers such as Manish Malhotra, Rohit Bal, Sunit Verma, Tarun Tahiliani, Rajesh Pratap Singh, and Hemant Trivedi to name a few. His modelling has taken him from training zone Bangalore to modelling haven Mumbai.

Azim has two goals. One, to become an internationally recognized model, and more importantly, two, to help enhance and develop the modelling industry in Bangladesh. A face that has made Bangladesh proud by appearing in German and Australian Vogue, we wish Asif Azim good luck on both his endeavours. In the meanwhile, keep up the great work!

By Tahiat-e-Mahboob

Summer is one of those times when less is best. Trying to enhance your natural looks with minimal embellishment will work best under the unforgiving sun.

A matte powder over foundation with SPF is better than heavy foundation lotions and creams that will look patchy once you sweat a little.

Gloss is best for lips. Lips need protection as well and it would be best to apply a lip gloss or lip balm with an SPF of 15 or more to keep your lips looking fresh and pert.

Eye make-up is a zone of error in summer and you can avoid gaffes by sticking to near-neutral tones of eye shadow and waterproof mascara and liners. Make sure you carry eye-make-up remover with you so that you avoid dark circle which can be a natural consequence of waterproof eye make-up.

Pink is a shade that looks more natural in lipsticks in summer. A creamy lipstick will be friendlier on the lips than matte lipsticks and will also last longer.

Nails are best kept short and practical at this time of the year. A lighter shade will save you the time in redoing your nails every now and then as the chips will not be obvious.

Leave your foundation or tinted moisturizer in the refrigerator. When you smooth it on, the heat from your face will melt it into your skin making it look like you have naturally perfect skin.

Smudged eyeliner or kajal can look great on summer evenings and you can get this effect by heating the tip of your eye pencil with a lit match just before lining your eyes.

Bright and dark shades of nail polish look better on feet in summer, especially if you plan on walking around barefoot or in open sandals.

Summertime can be great for your skin if you follow a few basic rules to take care of those areas that are most prone to damage-skin, hair and eyes. Keeping yourself adequately hydrated, adding essential nutrients to diet to avoid the heavier fats and proteins, taking plenty of vitamin C in the form of citrus fruits and juices, and getting the minimum 8 h of sleep can help you going through summer with good looks and great relaxation.

Hot temperatures and on-the-go kids can make it tough to stay stylish in summer. That’s why you’ll love these ten fast, mom-focused beauty and hair tips, which make looking good a breeze! Go ahead, customize them to enhance your personal assets and natural beauty. Then sit back and enjoy a beautiful summer.

1. Try a slick ponytail to accentuate your facial features. A deep-side part looks fresh and modern (and is easy to do when the kids are tugging at your arm!). To prevent flyaways, spritz with hairspray. Don’t forget an easy-to-blend foundation with SPF to even out your skin tone and keep you looking polished.

2. Get a glow on by exfoliating. Keep a washcloth or buff pad at-the-ready for everyday use. If you don’t have an exfoliant, make your own by moistening ½ cup of sugar with olive or sunflower oil. Use small circles to slough away dead cells and reveal new layers of skin. Or, try a mask of four to six aspirin crushed into a paste with water. Let dry, rinse and reveal the new you!

3. Beat the heat with a French braid that keeps your hair off your neck. Make the braid, leaving your bangs free. For a fun playground-to-party look, pull out small to medium chunky pieces from the braid and spray them with gel or hairspray and scrunch. Sweep bangs to the side and slip on a thin headband or tie on a piece of ribbon.

4. Protect your skin with a sunscreen with minimum 15 SPF. If you burn using SPF 15, go higher. Look for a UVA and UVB blocking ingredient such as Zinc oxide, Titanium dioxide, Parsol 1789 or Helioplex. Apply a shot-glass worth of sunscreen 15 to 30 minutes before going out, being sure to cover your chest, hands and ears. Don’t forget a lip balm with SPF, too!

5. The messy bun that ruled the fashion runways this season is perfect for on-the-go moms! To get the look, apply a shine serum to towel-dried hair. Work it through to enhance natural texture. Next, use your fingers to rake hair back at mid-height or at the nape of the neck. Twist into a knot and secure with bobby pins. Don’t worry about making it too neat – random ends sticking out are what make this style look relaxed.

6. Stay on-trend with pink lipstick. Pick a shade that complements your skin tone. Lighter pinks work on women with pink or cool undertones, and warmer pinks look best on skin with yellow undertones. A creamy lipstick formula will last longer than gloss.

7. For a mom manicure on the fly, remove chipped polish and moisturize your hands, rubbing olive oil on your cuticles before pushing them back. File your nails short and practical. Then whip on a light polish that won’t show chips as much as a dark shade.

8. Try this trendy, mom-friendly twist on a basic bun: Make two side-by-side ponytails at the back of your head. Then wrap each tail around the other’s base (hiding the elastics) to create a figure-eight bun. Secure to your head with hairpins and a few spritzes of hairspray.

9. Before you polish your toenails, pamper yourself with an Epson-salt and scented oil foot soak for 10 minutes. (Read a magazine while you wait!) Then remove dry skin from legs and feet with a homemade mixture of olive oil and kosher salt or raw sugar. Rub in an upward motion for two to three minutes, then rinse, moisturize and polish!

10. For natural-looking waves, massage volumizing mousse through freshly washed hair. Weave locks into a thick braid and allow hair to dry. When dried, gently finger comb to loosen into waves. If you have to time to blow dry, apply gel and then slowly blow dry while scrunching hair.

Ruby Haider

Banna Mirza earned her acting credentials through theatre and is known for her acting sensibilities. Talking about her early days, she says, “I thought of doing something just after I completed my HSC. I have been involved with the theatre troupe, Desh Natok, for 18 long years.” Hungry for variety, Banna has managed to dig roles that offer her scope to convey myriad emotions. Some of her memorable work on stage includes — “Darpan-e Sharat Shashi,” “Nittyo Puran,” “Birsha Kabbyo,” “Ghar Lopat” and many more.

The actress continues, “It was Saidul Anam Tutul and Salauddin Lavlu who inspired me to work in TV plays. ‘Shukh-er Nongor’ written by Ahmed Yusuf Saber was my first work on the small screen.” Banna says, “’Di Chokro Jan’ directed by Salauddin Lavlu and written by Masum Reza; ‘Ayesha Mongol’ directed by Mostafa Sarwar Farooki and written by Anisul Haque; ‘Bhogoban Ke Daki,’ directed by Ashrafi Mithu and written by Masum Reza are my personal favourites.”

Talking about her vice and virtues, she says, “I’m a very professional person. I’m also very particular about my work and tend to be logical and focused at all times. I don’t think that I’m overly emotional. At times I have difficulty controlling my temper, however, I manage to stay composed and poised most of the time.”

Speaking about her favourite medium, Banna says, “Theatre is my passion and it has its own values. I consider TV as my profession. Two very different thoughts are involved with each. There is only one thing in common — one needs to be dedicated and give it his/her best shot.”

The audience seems to love the thespian’s spontaneity and confidence as a TV show host as well. According to Banna, “Hosting shows is an interesting job if done fittingly. It is kind of fun interviewing people and discovering their individuality.”

On the personal front, Banna is happy and contended. She says, “My family is very supportive. My parents have never stopped me from doing something I want. My brothers and sisters are encouraging as well.”

Syeda Shamin Mortada, The writer is a freelance contributor.

Everyone wants a flawless, glowing and healthy complexion. Exfoliation is essential to clear skin. You can use white sugar. Almost anywhere you go will have white sugar readily available. After cleansing, wet your face with water, then pour a small handful of sugar grains into your hand and rub over the face. Use as you normally would a facial scrub. It keeps those annoying blackheads and blemishes at bay.

If your skin tends to be dry, use honey with the sugar; this way, you exfoliate and moisturize simultaneously. Honey serves as an excellent facial mask for those with dry, parched skin or anyone who needs an oil-free moisturizer.

The obsession for pale skin has survived through ages of civilizations in Asia. Every morning and every evening before your normal skin regime apply lemon juice all over your face and neck the way you would a toner. Out of environmental concerns, skip the cotton ball, applying the juice with your fingers directly.

Twice a day and within two months’ time, you will see results. Be sure to avoid contact with the eyes, though. You probably won’t turn significant shades lighter overnight, but gradually uneven splotches and acne scars do fade.

Lemon juice works as an astringent and thus also eliminates blackheads and helps to even out skintone. It also seems to retard the growth of pimples and other blemishes.

Are you looking for a natural beauty enhancer? – Then your ultimate choice has to be watermelons! The watermelon health facts and watermelon nutrition facts are much talked about but the watermelon beauty facts are little known. Yes, watermelons can play a vital role in enhancing your looks too! It can act as a natural moisturizer as it is an effective skin toner and also skin tighter.

The best way to utilize the watermelon is to use it as a face pack, especially after a hot summer days’ outing. Try this invigorating watermelon face pack to give your face the cool, clean and youthful look. Take one cup of watermelon pulp and apply on face and neck. Rinse face and neck after 15 minutes. Your skin becomes soft and supple.

If you do get sunburned, apply aloe vera extract or lotions containing aloe vera. The effect of aloe vera will soothe your skin and will also help you heal faster. If you do plan to spend more time in the sun following sunburn, it may be wise to apply a cream containing zinc to help heal the sunburn overnight.

The heat brings out fresh batches of bugs, especially in tropical climes like in India. Insect repellants are a must if you want to avoid looking like you have a localized attack of Chicken Pox.

For a day at the beach, or if you plan to spend the whole day shopping, fill a misting bottle with a mixture of water and a little toner and spritz your body and neck for a quick cool off. Remember not to spray your eyes!

Exfoliation is a must to clear away dead Cells that can otherwise clog up your pores and cause unsightly pimples that can spoil your summer look. Use a scrub that does not dry your skin or make your own; sugar mixed with a little olive oil is very natural and skin friendly.

Feet need to look good in summer! They are more visible now than at any other time of the year. Scrub your feet with foot scrubs or make your own with some granular salt or sugar and olive oil. Rubbing this into your legs in a gentle upward motion will have dual effects of exfoliating dry skin and oil massaging your legs as well.

Apply body oil or other light oils on heels at night, wrap in cotton gauze and leave it on overnight for soft and sexy feet.

If your toenails have turned yellow, now would be good time to soak them in a basin with some mild bleach.

On really hot days, you can use a hydrating toner instead of a moisturizer that feels heavy.

Mim, a girl who was born and brought up in ‘Comilla’, shared her story behind winning of the crown “Lux Channel-I Superstar” with Stardom, ‘In the year 2007, one of my brothers actually suggested me to participate in this competition. Then I decided to take an attempt since I had enough confidence in me. At that time, it did not even come in my dreams that I would be ranked in the first position of this grand competition. But gradually, I started gaining confidence more and more. The most joyous & memorable moment of my life was when my name was announced as the Champion and then I could not stop the drops of my tears of joy”.

Later ‘Bidya Senha Saha Mom’ started entering into several sectors of showbiz and showed good performance in Modeling, Acting, TV Commercials and Films. Her recent TVC “Desh” package of ‘Bangla Link’, Became very popular to the viewers at every level. Besides, Min has also performed in the commercial of ‘Keya Soap’ with ‘Nobel’, which was previously done by ‘Tisha’ and ‘Mou’. In the regard Mim said, “These two TVC are the turning point of my career. I have received huge appreciations and recognitions from my fans and the viewers after this career. I have received huge appreciations and recognitions from my fans and the viewers after this performance.” Mim has also worked with ‘Amitav Reza’ in the advertisement of ‘Tibbet Vanishing Cream’. Recently Mim has completed acting in a role of the TV soap “Gondho” by ‘Humayun Ahmed’ as the co-artist of ‘Touqir Ahmed’.

She has also acted in a soap named ‘Pichhu Daakey’ by ‘Chashi Nazrul Islam’ as the co-artist ‘Shahriar Shuvo’. This soap was directed by ‘Aruna Biswas’.

Moreover, recently ‘Lux Superstar Mim’ has stepped ahead in the film industry as well. She has started working in the mainstream Bangla movies. She would be seen in ‘Amar Parner Priya’ directed by ‘Zakir Hossain Razu’ with ‘Shakib Khan’, the heartthrob hero of the contemporary time. The product ‘Taposhi Thadur’ has casted ‘Mim’ for this movie. Before that, Mim has acted in the movie ‘Amar Achhey Jol’ by ‘Humayun Ahmed’. About her acting in the mainstream movie, Mim said, ‘Situation of our Cine world has changed and I am feeling good to act in the main stream movies now.’

Source: Stardam

The spunky young lady has done the spadework for the recent setting up of Impress Audio Vision Ltd.

The company, under the aegis of Mishu has to its credit, 16 CD launches within the first few months. Among the recent launches are Bhatir gaane matir taane (which features Ayub Bachchu rendering the songs of Abdul Alim), Shurer Uttarsuri (a tribute to talented fathers who have passed on their skills to their offspring), Lampor Aalo (a DJ mix with Lalon’s songs) and lastly Shafin Ahmed’s Kotodin dekhini tomae (a tribute to his father, legendary music composer Komol Dasgupta).

Amplifying on this subject, Mishu says, “The focus is on innovative ideas in marketing music and uplifting the image of Bengali music worldwide. The other element is the need to familiarise the younger generation with the rich heritage of Bangla music.”

Music is dear to Mishu’s heart. This probably accounts for her career switch from Unilever Bangladesh Ltd. Explaining this tricky decision, she asserts, “I thought that if I was good enough for an MNC, I could use my experience and musical background to promote local culture. Thereby my creative ideas would be well employed.”

Though Mishu has her hands full with Impress and newscasting, she still manages to squeeze in time for extra-curricular activities. She was the Bangladesh representative in 2004 for a one month-long, international visitors’ programme sponsored by the US State Department for young leaders in the economic and social arena. She was joined by several others, involved in youth politics–such as those from UAE, Oman, Israel, Palestine and India. The group met up with Colin Powell, then secretary of state as well as leaders from a varied socio-economic and political arena.

In addition to these laurels, Mishu also bagged the Lux-Channel i Performance Award held in Dubai in 2005. Clearly the ambitious Mishu believes in thinking big, which should give her an edge in the competitive entertainment industry.