Sattar, Head of International Sales, Standard Chartered Bank
I want to subscribe to a foreign periodical and professional journal.
How can I pay the subscription in foreign currency and is there a limit
of such payments?
A. You can ask your
Bank to remit on your behalf. As per foreign exchange regulation banks
can remit upto USD2500/ without Central Bank prior approval in favour
of supplier against its invoice for importation of books, journals and
life saving drugs.
Cases where the
goods against these remittances do not arrive in Bangladesh within due
time should be reported to Central Bank.
Q2. I am
a Bangladeshi national working overseas and I have a foreign currency
account with your bank. Can I invest in US Dollar Bonds? If so, can
you give me some information about the Bonds and what formalities are
A. If you are a
Bangladeshi wage earner working abroad and earning in foreign currency
you are entitled to invest in US Dollar Bonds in your name only.
There are two types
of Bonds - US Dollar Premium Bonds (rate of interest at maturity is
7.5%) and US Dollar Investment Bonds (interest rate at maturity is 6.5%).
These Bonds can be issued against your funds held in your foreign currency
account with your bank in Bangladesh. The denomination of the Bonds
can be in USD.500/1000/5000 /10,000/50000.
The maturity period
is 3 years. Interest on the US Dollar Premium Bond will be in BDT and
on the US Dollar Investment Bond in USD. For further details please
contact your bank manager.
Q3. A company's
cheques have to be signed by two directors and the secretary. An order
to stop payment of a cheque is signed by the secretary alone. Is the
bank justified in refusing to stop payment of the cheque without all
A. The order to
countermand payment of a cheque can be signed by any one of the persons
who signed on the cheque. The bank is not justified in refusing to stop
payment of the cheque without all the signatories.
Mahfujil Haq Khan BDS, DDS(Dhaka), PhD(Japan)
Oral & Dental Surgeon BIRDEM Hospital
Q. Are you
searching for the right toothpaste and brush?
What your toothpaste must have in order to meet your needs for proper
Fluoride, to fight tooth decay
Antibacterial agents, to fight dental plaque and protect from gum disease
Additional ingredients according to your specific dental problems (sensitivity,
Have a plastic tube and low abrasion value
Your children's toothpaste
For tooth pastes for children:
The fluoride concentration must not exceed 1000ppm f
No sugar contents
Pleasant and amusing appearance.
Non-hazardous, even when swallowed
Get the right toothbrush
In order to provide adequate teeth cleaning, a modern toothbrush must:
· Have a head size that feels comfortable in your mouth and allows
you to reach the back teeth.
· Have an anatomic grip to help the correct brushing moves.
· Have a head design that helps clean all teeth surfaces, even
difficult areas like the spaces between the teeth.
Your children's toothbrush
A children toothbrush must also have:
· Small head size and soft bristles
· Big and anatomic grip for easier handling
· Attractive design to make brushing a pleasure for the child.
Q. My oral
health is not good, but I am really scared about visiting my dentist
and I also failed to choose a right dentist. Please help me how can
I choose my dentist.
Here I am giving you some tips for choosing your dentist. What should
you look for when choosing a dentist?
The best way to select a dentist is to get recommendations from people
you know (family, friends, neighbours, co-workers, your family physician).
During your first visit, you should be able to determine if this is
the right dentist for you. Consider the following:
· Is the appointment schedule convenient for you?
· Is the clinic easy to get to from your home or job?
· Does the office appear to be clean, neat, orderly and hygienic?
· Ask the dentist about infection control procedures such as
wearing gloves and masks, and sterilising instruments.
· Was your medical and dental history recorded and placed in
a permanent file?
· Does the dentist explain techniques that will help you prevent
dental health problems? Is dental health instruction provided?
· Is information provided about fees and payment plans before
treatment is scheduled?
For more information please visit www.aikodental.com
Chowdhury Guidance Counselor
My son is six years old. He is very childish and clingy. His behavior
is affecting me tremendously and from time to time I treat him harshly.
Due to this I sometimes feel depressed. Please tell me what to do.
Thank you for your letter and I hope my information will alleviate some
of your feelings. There are many reasons a child can become clingy but
usually clinging reflects some early, unmet needs. Children are individuals
and their needs are individual too. We all make mistakes and a part
of parenting is "trial and error".
To change clinging
behavior you should focus on one bothersome situation in which your
child tends to cling. For example "your child clings to you whenever
someone visits you".
In this situation
you approach your son and explain to him that you know he wants your
attention. However this is your time with a guest and you don't want
to get angry with him when he clings and interrupts. You would rather
spend fun time with him than nagging him. Subsequently come to some
kind of compromise and choice. This approach allows the child to choose
whether to get attention negatively or in a more positive manner.
For further details
or advice contact Anwara Chowdhury
Email : AnwaraChowdhury@hotmail.com
A Different Sky
"Selfish love and selfless hate"
fool once told me "those you love the most, you hate the most
as well." I don't carry a single romantic bone in my body, but
I do agree with him.
Unfortunately I think that, when you love someone and hate him or
her at the same time the hatred is expressed more often than the love.
Perhaps it's the dependence and the attachment love creates, that
boggle our minds.
freedom-seeking minds want to belong to no one, no where and when
we fail to do so and start feeling at home with someone, somewhere
we start loving and hating them simultaneously.
That's what my
relationship is with USA. I am in love with the place, and with the
love I hate it just as much, for making me feel guilty for betraying
my first love Bangladesh. Where I, along with many others, constantly
complained about Bangladeshi food, its people, the roads and politics,
after I moved here, I started to appreciate the sweetness of a crow's
voice to wake up to, and the frequent hartals that I left behind in
Many of us here
constantly put down America, and the Americans, their non-existent
culture and their lack of a rich history. For once, though, even if
it's for a few short-lasting minutes I would like to recognize my
love for this county, the love that has made me hate it so badly.
So here I go…
I love being in
the mashed crowd, with an agenda of going in a direction, all so vague
yet discreet to each other every morning in the subway train. I love
giving a smile and a 'Hi' to strangers without having my motives analyzed.
I love that I have finally learnt the meaning of the phrase "minding
my own business." I love how punctual and dependable the public
I love the Starbucks
making mucho dinero selling coffee to a happy work crowd. I love how
the homeless give you a used magazine for every contribution you make
to them. I love how you can walk away with a smile to see two people
kissing in public without making faces of disgust.
I love how in
day-to-day affairs, women are not given special privileges, how we
too get cut off during driving by other drivers and fight for seats
in a crowded train…I love the sense of equality derived from others'
misconduct. I love the scholarships given towards minority women to
encourage higher education. I love the grants and laws dedicated to
females to start their own business.
I love how you
can re-locate almost at the drop of a hat from one state to another.
I love the options America offers for the ones who are bored. I love
how endlessly it keeps you dreaming about a better life. I love how
you can create an opportunity here for yourself and have limitless
boundaries. I love how one can erase their past and start afresh without
I love how in
USA, divorce is not looked upon as sin of all sins, and I love how
marriage is the union of souls not of status. I love how non-gender
specific this country is becoming. I love how one can keep their life
as private or public as they want.
I love the aisles
of fruits, food, appliances and accessories all found under the same
roof. I love how guilty you feel to sit at home and do nothing when
it's so easy to do something out here. I love how there is an organization
for anything your heart may name and fancy.
I love so many
things about this place where I reside for the moment. I also love
to hate it as showing hate towards it makes me own a stronger identity.
I realize that loving all these things might make me seem Americanized.
But I also realize that being Americanized doesn't only stand for
being spoilt but also means letting go of the unnecessary and being
physically and vocally expressive about your wants.
Being in love
with one you hate is not so bad, as long as you are selfish enough
to take as much as you want and selfless enough to admit what you