|Home | Issues | The Daily Star Home | Volume 1, Issue 46, Tuesday April 20, 2004|
Nasreen Sattar Head of International Sales, Standard Chartered Bank
Q1. What is the amount that I can bring back undeclared each time I come back from an overseas travel? Has there been a change in the annual travel quota?
A. As per the latest Central Bank FE circular # 03 dated 23rd March 2004, a person can now bring in upto USD 5000/ undeclared. Previous to this, the amount was USD 3000/. The travel quota remains the same - USD 3000/ for all countries and USD 1000/ for the SAARC countries.
Q2. I had an overdraft account with a bank here - the account was secured by my Shanchaya Patras which I had purchased over the years . I got a call from my Bank Manager that I cannot continue with this facility since the Central Bank will not allow overdraft accounts or any loan accounts to be secured by Shanchaya Patras. Please advise me as to what should I do?
A. This answer was given in the Daily Star - Lifestyle in the month of March 2004. However, I am answering it again for your convenience.
Obviously, your overdraft facility had expired and cannot be renewed against your Shanchaya Patras (SPs). One option is if your SPs have matured you can encash them and open a fixed deposit account to use as security for your OD account (allowed by C. Bank) or purchase ICB unit bonds also allowed to be used as security.
Q.3 I have an account with your bank, recently I lost my cheque book and asked the bank to issue me a new cheque book. I was told that this was not possible and I need to close my account and open a new account where a new cheque book will be issued to me. Why is this necessary ?
A. This is for your own security and prevention of any kind of forgery in your account. Anyone can get hold of your cheque book and may try to forge your signature. What the bank advises is quite simple - your existing account will be closed and a new account opened, fund in the old account will be transferred to the new account and a new cheque book issued. You can continue to do your normal transactions from the new account..
Q4. What is the significance of having an 'Account Payee' cheque? I need to pay a big payment to someone who wants a cash cheque, but would like your advice in this matter.
A.The words 'Account Payee' in the crossing have special significance because they intend to make the cheque more safe. These words constitute an instruction to the collecting banker that he should collect the amount of the cheque for the benefit of the payee's account only , i.e. to credit the amount to the account of the payee only and nobody else. I would definitely advise you to make the payment through an 'Account Payee' cheque to avoid any kind of fraudulent.
My son has got admission in a College in USA. Can I send her fund from
here for her educational purpose?
A. As per Bangladesh Bank Guidelines foreign exchange may be transferred for studies abroad by Bangladeshi nationals in all regular courses (subject to being consistent with the Education Policy of the Bangladesh Govt.) in recognised institutions. Certain formalities will have to be completed before funds can be transferred. Please contact your bank manager and he will be able to assist you in this matter.
DR. Mahfujul Haq Khan BDS, DDS, FSDCE (USA), PhD (Japan), Post Doc. (Japan) Specialised: Crown and Bridge work, and Periodontal plastic surgery (USA) Senior Medical Officer, Department of Dentistry, BIRDEM Hospital
Caring for your
should you start brushing?
Although you don't necessarily need to brush them yet, you should start cleaning your infant's teeth as soon as he gets his first tooth. At first, you can just use a wash cloth to clean your infant's teeth. As he gets more, you can use a soft children's toothbrush.
Because there is some danger if your child gets too much fluoride, your choice of toothpaste is important. Keep in mind that most brands of kids' toothpaste are fluoridated. They just have different flavours and popular characters on them to make them more fun for children, but that doesn't make it safe for your children to swallow too much of the toothpaste.
If using a fluoride toothpaste, use a small, pea-size amount of toothpaste, so that there is little danger of your child getting too much fluoride if he swallows it. And begin to encourage your child to spit out the toothpaste at a young age.
The other alternative for younger children is to use a non-fluoridated toothpaste, such as Baby Orajel Tooth and Gum Cleanser, until they are spitting the toothpaste out.
In every western country they have central supply of fluoride (1ppm) in regular drinking water. In Bangladesh we still don't have this facilities. I have every doubt whether they maintain strict ratio of fluoride concentration in commercial mineral water or there presence. But now a days local fluoride application has been started in Bangladesh in few dental clinic. Where you can have local fluoride application for your children by which you can protect about 30-40% caries free teeth.
The timing of the first visit to the dentist is a little controversial. The American Academy of Pediatric Dentistry states that children should see a dentist when they get their first tooth and not later than 1 year of age. In contrast, according to the American Academy of Pediatrics, unless your child has risk factors for having problems with his teeth, such as sleeping with a cup or bottle, teeth staining, thumb sucking, etc., the first visit to the dentist should be by around the third birthday.
However, an early visit to the dentist is a good way to learn proper oral hygiene at an early age, including avoiding night-time bottles or cups of formula or juice, proper toothbrushing, and a diet that promotes good dental health. You may also want to see a Pediatric dentist early if your child has a medical condition that puts him at risk of having dental problems, such as Down Syndrome.
You should also talk with your dentist about using sealants in your school age child. A sealant is a plastic material that is applied to the teeth, hardens, and provides a barrier against plaque and other harmful substances. Sealants can be applied to the 1st and 2nd permanent molars to help protect the grooves and pits of these teeth that can be hard to clean and are prone to developing cavities, and appropriate premolars as soon as possible after they erupt (usually after 6 years of age).
In addition to teaching your children the importance of regular brushing and flossing, routine visits to the dentist and a healthy diet, it is important that you set a good example by also practicing good dental hygiene.
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