Nasreen Sattar Head of International Sales, Standard
I have an account with your Bank. Recently I lost my cheque book and
asked my Bank Manager to issue me a new one. I was told that I need
to close my account and open a new one and then a cheque book will be
issued to me. Please let me know why I cannot keep my old account and
why a cheque book cannot be issued against that account?
A. The reason why the Bank Manager asked you to close
your existing account and open a new one is because of a security issue.
You see someone may get access to your lost cheque book The procedure
to close your account and open a new one is very simple and your fund
from the old account will be transferred to your new account and a new
cheque book issued to you. In future please keep your cheque book in
a secure place.
For SLR & CRR is there any security applicable against this? If
not how does the bank maintain it and how much?
A. For CRR (Cash Reserve Ratio) there is no security
applicable. It has to be maintained in cash balances with Bangladesh
Bank. For SLR (Statutory Liquidity Ratio), Treasury Bills and other
Government approved securities qualify. Also foreign currency balances
with the Bangladesh Bank qualify for SLR. Banks usually try to maintain
SLR through Treasury Bills.
What is the meaning of 'spread' in banking terms ?
A. 'Spread' in banking terms means the difference between
cost of funds and lending rate. The more the 'spread' the more the profit
for a bank.
A firm having A & B as partners have a bank account and that either
partner can operate the account. A communication is received by the
bank that Partner "A" has died. Will the bank honour cheques
which were signed by A before his death but presented after his demise?
A. On the death of a partner, the banker must stop
paying from the partnership account specially to determine the liability
of the deceased partner. The banker should not make payment of the cheques,
which were earlier signed but presented after his demise.
I have moved my house and would like to advise the bank to send all
my correspondence including my statement to my new address. Can I do
this over telephone?
A. Any change of address has to be advised to the bank
by means of a letter signed by the account holder/ authorised signatory.
Banks normally do not take this kind of instruction over telephone.
Moyeen Beautican, La Belle
I am a 14 years old girl. I used to have thick hair and I still do.
The problem is that these days I am facing a lot of hair loss for which
I think I am going to lose the beauty of my hair. I use Sunsilk shampoo
twice a week and I don't really use anything eg: mehdi, oil, gel etc
to enhance the beauty. However, due to several reasons my hair remains
slightly wet for almost 24 hours, is this the cause of my hair loss?
I am really worried about my hair and I will gladly appreciate it if
you could help me out with this problem. Dilrooba
Your hair needs conditioning, so that there is movement in your thick
hair. Use a blow dryer on medium heat to dry your hair running your
fingers through your hair. Don't allow your hair to remain wet for so
long, its obviously weighing it down. Oil your hair on a weekly basis
and condition regularly.
I am gradually getting dark. Can you suggest something except fair polish?
Something I can do at home and I am also very chubby. Can you suggest
how I can get slimmer. Thank you. "S"
(a) Use sun block everyday.
(b) Make a pack with 1tsp uptan, 1tsp yoghurt, twist of lemon, apply
once a day.
Eat healthy, exercise regularly look into yoga, it has been beneficial
for many ladies. It deals with mental physical strength all round in
I am 18 year old. Past few weeks i had a lot of pimples, mainly on my
forehead. The pimples had left some ugly marks. These marks usually
fade away but they take a lot of time. Many had suggested using cucumber.
Does it really work? I have lost my faith in such herbal treatments.
But am willing to give it another shot. Could you please suggest an
easy home made solution to get rid of these marks. And i would be really
thankful if you could suggest the name of an effective medicine and
its cost. My hair looks great when I blow-dry it. But people say it
might be harmful to blow dry it regularly. Is it really true? Does it
cause hair loss if done in a regular basis? Thank you WORRIED
Do you have dandruff in your hair? Sometimes the flakes fall on the
forehead and irritate the skin making it break out.
Yes, cucumber juice is very helpful, mix it with neem paste and a dash
of calamine lotion to rid yourself of pimples. Blow drying once a week
will not harm your hair condition regularly.
Hope you are well. I am in trouble and I badly need your help. I'm 15
and I've been smoking and drinking and had been very depressed from
the age of 14. I've stopped all of that mow. Before I had long silky
straight hair but it has become very dry and it's falling in an alarming
rate. Please tell me how I can stop hair fall and regain my silky hair.
My skin has become really dry too, what can I do. Can you recommend
any moisturising face pack or mask and a good shampoo that will suit
me? How can I get rid of dark circles. Please don't ignore my mail.
Forgot my name.
Stress is terrible for your skin and hair and mix that with smoking
and drinking and you have the perfect recap for disaster. There's what
you should use for you hair skin, ** presuming that you will seek help
for your depression as well.
Skin ½ tsp
cold cream (Ponds), ½ tsp Johnson's baby lotion, and 3-4 drop
of olive oil
Mix in tour plam
and apply every night.
Hair ½ mashed banana, ½ tbs conditioner, ½ lemon
juice, and 1 capsule Vit E
Apply twice a week, keep on for half an hour. Shampoo off Condition.
I'm a 23-year-old guy. In recent times I've started to lose a bit of
hair. I'm really worried about this, as I feel that if this trend continues
women will be reluctant to date me! Please suggest some ways in which
I can slow down my hair loss, if not end it altogether. Finally, would
it be possible to meet you at La Belle or some place else regarding
my hair loss? Serendipity
I afraid it is not possible for me to meet you. If you follow the advice
below you won't need to.
Keep your hair as short as possible, Oil your hair weekly and apply
the following pack after that.
2 tbsp Amla paste (fresh fruit), ½ tbp lemon juice, and 1 tbsp
Keep on for half an hour, wash off using a mild shampoo Johnson, Timotei,
I've facial hair all over my face and I've been bleaching my face for
quite sometimes. I've been told that bleaching has an adverse effect
on skin in the long run. So, I've finally decided to stop using bleach.
I don't want to wax off the hair or use any hair removing cream as the
hair in my chin and below has only grown back to be more course and
dark. I'm thinking if "Fair Polish" will be an option. As
you call it a brightening agent, does it work as a bleach? While I'm
at it, do you know any place in Dhaka, where they offer laser or electrolysis
treatment? Please help! Parsa Choudhury
Over bleaching can dry and irritate the skin. Bleaching twice a mouth
is acceptable. Yes fair polish is a safer option. Yes electrolysis is
done in Dhaka you can see the doctor named below.
I am 24 years of age and having a terrible problem with my lips. My
lips are extremely dry and chapped in all seasons. No matter how frequently
I use lip bum, Vaseline or glycerine after a while my lips become chapped
and dry again. And the most terrible problem is that I can't wear lipstick,
as it looks awful in my dry and chapped lips. Even if I use glossy lipstick
it doesn't work. After some time it gets dry and looks bad. Please help
me with a remedy. Thanks. Disturbed
Apply a mixture of petroleum jelly and olme oil on your lips. Put a
cotton swob dipped in not water on your lips repeat a couple of times
until lips are soft. Rub geulty using a soft towel or old T-shirt. Do
this whenever required.
No one likes to
follow the mandatory 'drink eight glasses of water-a-day regime', so
many just skip their essential intake of liquids. But to stay healthy
it is wise to follow what your body requires. They say water has no
taste. To add a little taste, just slice some cucumbers and add to a
jug of water and drink from it throughout the day. The cucumbers give
a nice fresh flavour to your drinking water.
A DIFFERENT SKY
It came and went…
all of America with chocolate roses in hand and floating e-cards in
mind, simultaneously ridiculed and celebrated Valentines Day.
For the past few
years it has been cooler to celebrate "I hate Valentines day"
than to actually celebrate it for love and lovers…America's imaginary
revolution against the very commercial valentines day, marking V day
as just another way to take money away from consumers… think again
America, most of your holidays are commercial why is it only during
V day that you flip out? Hmmmm says a lot of about America's love
life doesn't it?
At the florists
where a hoard of men stood impatient and annoyed, complaining how
pricy even a dozen of roses are these days, and why does someone need
to mark February 14th to be the day that one gets to express their
love and devotion to their significant other. You hear the whole angry
phrase going around with nods of agreement from the surrounding, "I
should be able to express my love to him/her any day with gifts and
flowers, why does it have to be only once a year in a specific day."
if that was the case then no florists would ever go out of business
and America would be going bankrupt importing the daisies, lilies
days DC was showered with cold rain, the weather man on February 13th
advised people to stay home for Valentines days and get cozy in rather
than out. Many took the advice as it was songs to their ears… so their
Valentines day dinners were decorated with take outs and trinkets,
and after the early dinner and forceful mushiness wore off, most of
America sat down at 9 pm to watch the new episode of 24 ("groundbreaking
thriller" with Kiefer sutherland) and called it a night after
a whole hour of blood, guns and terrorists. Now that's romantic.
And those who
went out, breezed through light traffic and arrived at their dinning
choices, to find tables of 2s half empty and half full. Pieces of
conversation from here and there, "did you hear about the woman
in California who threw her 2 hour old baby out of the car window,
she will probably even get away with it pulling some psychological
bullshit, it's easier to kill babies here than adults," "tell
me three things you love about me, good cook and good house keeper
doesn't count" "God look at these giant shrimps, honey let
me finish my food first we will talk at home," and it goes on…
the new couples slightly closer with dreamy eyes, having 3 hour long
dinners and the been-there-done-that's chomping away on food without
a worry of how they might look with cheese and broccoli stuck between
their teeth… And for dessert there was "Bad education" with
Gael Garcia and "Bride and prejudice" with Ashwariya Rai,
what could be more fulfilling than watching transvestites blackmailing
pedophiles or Ashwariya Rai bringing out all her nakami with 20 extra
lbs falling in love with one Caucasian after another. It's refreshing
making her interracial dating stand adamant and Pedro Almodovar creating
classics to show the sad truths in the sour present.
So that's how
it went. Over priced dinners, under rated spouses, over indulged stomachs
and popcorn and coke. The rain had eventually stopped, the muddy streets
didn't obviously do justice to expensive dresses, and the sky never
brought out its stars…
So we got home
criticizing movies, complimenting chefs…sat down on the sofa, and
guess what we did next? Watched the recorded episode of 24 of course,
thanks to digital TVs, we called it a night watching dooms day to
end one of ours…