Sattar, Head of International Sales, Standard Chartered Bank
My husband and I have a joint bank account where either of us can sign.
He has left for the States and has asked me to close our account, as
be joining him too. Can I close the account on my own?
A. Even though you
can sign cheques singly, the instruction to close the account has to
be signed jointly by both you and your husband. The account opening
was a 'contract' initiated jointly by both of you, and the instruction
to close has to be also done jointly.
I urgently need to renovate my apartment. Can I apply for a loan against
my savings in my bank account? If so please assist me with some more
A. Yes, you can
apply for a loan against your savings in your bank account. Different
banks have different requirements to avail a loan/facility. If you have
a Fixed Deposit account, the bank may use the fund as collateral/security
to provide you a loan. Different kinds of loan products are available
to cater to different needs of the customers. You can contact your bank
manager for further details.
I am a Bangladeshi national working with an International Organisation
operating here. Can I open a foreign currency account and what are the
A. Yes, you can
open a foreign currency account provided your salary is paid by the
organisation in foreign currency. Such an account may be credited only
with the foreign currency portion of the salary and debited for all
approved current transactions like cost of travel, education for children,
treatment etc. Foreign currency accounts can also be credited with consultancy
fees received in foreign currency.
Lutful Aziz, FCPS, PHD, Consultant "analgesia", Pain
from 7-10-03. Lower back pain continues
The treatment of back problems is often classified into primary, secondary,
and tertiary phases. Primary phase refers to the measures initiated
in the 4 to 6 weeks immediately after the onset of pain. During this
time, most cases will become asymptomatic. Control of pain and return
of function with physical therapy are reasonable treatment goals during
this period. The secondary phase is considered between 6 weeks to 4
months after the onset of pain, when it becomes evident that the injured
structures will not respond without intervention. More vigorous physical
treatment is recommended. The tertiary phase recognizes that there may
be other factors preventing resolution of the problem. These factors
include hidden disease, including tumours and infections and inflammatory
and Manual Therapy: In the primary, or acute phase of treatment,
physical modalities are often used to reduce pain. Ultrasound, local
application of heat and cold, laser therapy, and massage may all successfully
relieve pain. Manual physical therapy includes spinal manipulation,
joint mobilization, and deep massage.
Training: There are different methods of physical training
programs for back pain. All require specially trained therapists for
maximal benefit and each has its own merits and demerits.
treatment: Pain relief is an important part of treatment. Medications
used to treat low back pain include analgesics, anti-inflammatory drugs
(oral, parenteral, and suppositories) and mood-altering medications
In the management of chronic low back pain, a more rational approach
may involve the injection of anti-inflammatory medications or local
anaesthetics directly into the affected joint or structure. Injection
of steroid can be useful in the epidural space to relieve nerve root
Intervention: Although the conservative approach is warranted
for nearly all back conditions, several problems may eventually require
surgical intervention to prevent further deterioration of spinal structures
and serious and debilitating pain. Surgery for back pain and leg pains
focuses on three major goals: decompression for nerve root impingement,
usually due to disc herniation; stabilization of spinal joints affected
by the degenerative diseases and chronic reactive inflammation; and
disc removal and spinal stabilization for discs with biochemical abnormality.
The changing view of back pain offers a justification for the use of
physical training as a primary treatment modality. Physical training
teaches patients appropriate activities for specific problems. The responsibility
for improvement is transferred from the physician to the patient. Coaching
is becoming an important component of physical treatment, with emphasis
on improved function. In the treatment of chronic, recurrent pain, patients
must decide if they want to feel better or get better. Physical training
programmes do not promise immediate pain relief. Their long-term goal
is to resolve the problem and avoid recurrence.
MahfuJul Haq Khan BDS, DDS(Dhaka), PhD (Japan) Oral & Dental
Surgeon BIRDEM Hospital
My 5 year-old daughter has dental caries and she need some simple filling.
We visited a dental clinic several times but unfortunately we, as well
as her dentist fail to convince her that it will not hurt. Though she
had no previous experience of any dental treatment, why she is so scared
regarding her first dental visit?
Child's First Dental Visit
The cause of dental anxiety is usually a previous bad experience, but
can be caused indirectly through horror stories about dental treatment
from family, friends and even the media. What do you fear most about
going to the dentist? Just the thought of having a needle inserted into
your cheek and a cavity removed from your tooth is enough to bring tears
to the eyes.
A child going to
the dentist for the first time is often a handful of anxieties. Any
dentist using the right techniques can transform the most terrified
child into a co-operative patient who is no longer afraid - a child
who will leave the office with a smile on his face.
The first thing
a dentist must do, is convince the child of his honesty. Children are
smart. They are not easily fooled. If a youngster is promised that a
particular thing will be done, the dentist had better be sure he does
Usually, the dentist
begins with something easy. He says, "Today I am going to count
your teeth" and after that, come what may, he must count the teeth,
using whatever means necessary. Remember this: The child often cries
before anything is done to him (even a first haircut). He is not hurt,
and the dentist has to prove that he can be trusted to do exactly what
he says he is going to do - no more, no less. The noise and hysterics
generally disappear after the first visit. If the dentist establishes
his reliability and that he is trustworthy, there will rarely be any
A Different Sky
He and I both
wanted to fly. It's been a while, we both agreed, so my holed hands
went ahead and spent on buying tickets to run away just for a few
days, to another country not too far just up north, to visit close
family and celebrate. Canada. Not at all exotic sounding or even interesting,
but for our desperate selves, stuck in the 9-5 machine of USA it seemed
like a heavenly escape.
Due to my impetuous
nature, I bought two tickets from a package deal over the Internet,
which tells you after you pay for them, in fine prints, all the do's
and don't and can not. Of course there are more 'do not' and 'can
not' than 'do'. With our non-refundable, non-changeable tickets we
rushed to the airport 5:30 A.M in the morning. It said in fine prints
in my e-ticket confirmation letter, "Due to the last minute purchase
of your tickets you will be receiving extra attention at security."
I panicked. A Nawaz and a Hossain travelling together, flying an hour
flight in US Airways to Canada. We heard way too many horror stories
of passenger harassment after 9/11 and were preparing ourselves to
face the same ordeal. As we reached the security gate, we were told
to take our shoes off; cuticle scissors from my nail cutting kit was
thrown out, and we were not allowed to lock baggage. After putting
back our shoes, the rest of the flight was a breeze. I laughed silently
at my panicked mind. I scolded myself for blaming overcautious Americans.
us with mostly a friendly and hospitable attitude. He and I talked
about how Americans are ruder and less patient and more stressed.
How here people actually ask how you are doing and mean it. After
admiring Canada for few hours and after chewing down our heavy lunch
we set ourselves in highway 404 and got stuck in a mortifying traffic
jam. Our smiles slowly disappeared, turning into a grin then into
anger as the hour passed us by, and we moved like turtles on sleeping
pills. Mind you, we are very used to being stuck in traffic everyday
in USA, for an hour, or maybe two or three due to the never ending
construction that goes on without any improvement, but we chose to
forget all that and fumed. We were waiting for the other person to
say it first, but then we both said it together, "This would
never happen in United States, they should add more roads, what's
up with these Canadians? Like Helloooo! We got place to go, people
We didn't even
realize when and how we turned into total Americans for the rest of
the trip, rushing to places, frustrated at delays, moving faster than
the rest in the street. I for one, who always encourage creativity
and spurred new trends, criticised how Toronto was not uniform enough.
How each store had its own
characteristic, how everyone had a different style and how things
were too blended in between the west and the east making me feel like
I was in a huge blender of cultures. And instead of feeling comfortable
to see this blend, I felt insecure, as if having a minority status
like I have in USA, made me have more of an identity.
We both concluded
by the end of the trip that we should have come with more time in
order for us to draw a more accurate picture of Canada, and packed
our bags (without any locks this time) and set off for the airport
end of our trip. We didn't expect much hustle, we got there in the
last minute. Considering 50% of the staff in the airport was Indian,
we had to remind ourselves exactly which country we came to visit.
The Indian women at the customs opened up our suitcases. With their
lazy fingers they made a mess of the already messy clutter of clothes
and accessories. The younger one of the two went straight for the
packets of saris, checking out what I had purchased the previous night
Indian part of the town. I was almost ready to answer how much I paid
but I think she lost interest seeing my rather dull taste. We thought
that after the thorough check up
we were done, but it continued. We were individually hand-searched,
hand and camera bags were rummaged around upside-down, inside-out.
Getting my ends together and being groped a few times in-search of
hidden cuticle scissors, I realised how going into USA is three times
more hectic than coming out, from even a next-door country like Canada.
The shields are high up and being a part of that guarded country we
have also built a high wall around us, carrying an automatic snobbery
and superiority: we are just too good for anyone else you see?
We got back after
an hour of flight full of turbulence. The DC sky was clear that day,
the comforting breeze, the green all around never looked so striking.
I felt at home, and a very American tear came out of my eye, awed
by my newfound sense of belonging.