|Home | Issues | The Daily Star Home | Volume 1, Issue 34, Tuesday January 20, 2004|
Nasreen Sattar Head of International Sales, Standard Chartered Bank
Q1. I have received a cheque dated June 30th 2003, is it possible to encash the cheque now?
No, this is a 'stale' cheque and cannot be encashed because the validity has expired. A cheque has a validity of six months and has to be encashed within that period.
Q2. I had put a 'Stop Payment' on a particular cheque and advised my bank accordingly, however, to my horror I realised that despite my instruction the bank had honoured that cheque. Should not the bank reimburse me the amount of the cheque?
If the 'Stop Payment' instruction reached the bank, duly acknowleded by them before the payment was made then the bank is responsible and the amount should be reimbursed to you.
Q3.What is a joint account and what is the advantage of opening one?
When two or more persons open an account jointly, it is called a joint account. Such an account may be opened by any two persons for the sake of convenience of operation of account and also for withdrawal of money after the death of any one of them.
Sadia Moyeen Beautician, La Belle
Hi, I'm a 13 year-old girl with a lot of problems and I would love it
if you would solve these problems for me! I want to talk about my hair
first. My hair is wavy and pretty rough and most of my friends want
me to straighten my hair, but I think I'm too young to do so. Am I right?
I use Livon silky potion to make my hair silky and easy to brush but
after coming home from school my hair sometimes gets this weird damp
feeling. My hair sometimes does look straight and smooth but I want
it to look straight all the time. Is there any way by which I can straighten
my hair without using all those gadgets? By the way, I change shampoos
quite often…will this cause a problem? My next problem is my nails!
My hands are okay and people find my fingers long and pretty but the
main problem are my nails! I have very small nails as I bite them a
little too much lately and they look awful now! I love all those French
manicures and putting on nail polish, but my nails are not perfect enough!
Is there any way by which my nails are going to grow faster than usual?
Can you please suggest the name of the nail polish that prevents nail
biting? How do I make my face thinner than what it is like now? My face
has this round shape and my cheeks are all soft and fluffy. I want my
face to look pretty and thick and I want cheekbones to be visible. Okay
cheekbones aren't necessary but I need my face to look thinner! Please
I need help! I also have problems with my eyes! I have nice big eyes
but I really want them to look attractive! If I put on eyeliner (pencil),
my eyes look sleepy and lazy and if I put on liquid eyeliner they look
good but not attractive! I want my eyes to look more bright and attractive
but how do I do so? Thanks a lot for all the help. I really appreciate
I guess you could straighten your hair if it is really unmanageable, but do follow the simple regimen stated above. I am sure it will improve the quality of your hair.
Your nails will grow soon enough if you stop biting them and give them a chance to grow. There is a clear nail varnish by Sally Hensen that has a bitter taste so every time you put your nails in your mouth you are reminded to stop.
At your age it is quite normal to have a plump face, it is called puppy fat and as you grow older you will see that it automatically becomes slimmer and gradually cheekbones will appear. Use Koll Kajal inside your eye, brush your eyelashes back with a clear mascara.
Dear Sadia Moyeen,
Ans2. If your skin is sensitive chances are it will react negatively to waxing as well. Test a bit of skin under the jaw line, using Nair facial hair remover. If there is no redness, irritation or rash it would be a good option for you.
For your blackheads, place a hot towel on the area where you have blackheads to open the pores, press gently using a comodome, the blackheads will pop out. You could also try the Ponds blackhead removing strips, which are quite easy to use.
Interpreter of Maladies
Dr. Nighat Ara, Psychiatrist
Q. I have recently remarried. I am in my early thirties. I have a daughter from the other marriage. Her age is 10. I am really concern about her. She seems to be scared of her stepfather. My husband never physically or verbally abused her. In fact he is providing her with everything she needs. My daughter is not very friendly with him. She is also having the same dream every night. It is mainly about me and her biological father gradually becoming estranged and how she is losing me. All this is really scaring me. Please tell me how can I help her deal with the situation and make her relationship with my current husband better.
Ans: Your concern about your daughter seems to be quite relevant. The picture you've presented here is incomplete but it appears that she has some unresolved issues from past. It is not unusual that children of broken families give a history of being a witness (if not victim) to abuse and they carry those fearful traumatic memories without knowing how to deal with it. Possibly, she has gone through a difficult time while your previous marriage was falling apart. It is also important to know what kind of emotional bondage she had with her biological father and how he treated her. Many children suffer from guilt feelings, low self-esteem ("I am unlovable") and think they are the root cause of all these miseries. Her repeated dreams probably indicate anxiety in her subconscious mind. She is not coping well and underlying feelings of tension, insecurity and confusion are actually reflected in her behaviour. I understand, her stepfather is trying hard to improve the relationship but probably the inner issues of your daughter is holding her back. Nevertheless, her vulnerable age & your statement that she is scared of him warrant few more areas to be explored. Relationship is always a two-way process, one can of course initiate but finally depends on mutual response and communication process. However, it is quite evident that your daughter needs counselling or therapy to effectively deal with her past and present issues which are threatening her coping ability. In fact, divorce, remarriage etc. are major stressful life events and takes its toll on all the people involved. Taking support from helpful people and counselling from professionals are recommended.
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