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What does the term 'inward remittance ' mean?
The term "Inward Remittances" refers not only to remittance made by T.T., M.T., Drafts etc., but also purchases of bills, purchases of drafts under Travellers' Letters of Credit and purchases of Travellers' Cheques.

What does outward remittance mean?
All remittances from Bangladesh to a foreign country or local currency credited to resident taka accounts of foreign banks or convertible taka accounts, constitute outward remittances of foreign exchange. Banks have to exercise utmost caution to ensure that foreign currencies remitted or released by them are used only for the purposes for which they are released. They should also maintain proper records for submission of returns to Bangladesh Bank for Bangladesh Bank's inspection from time to time.

Who can remit abroad?
Foreign nationals who resided in Bangladesh for a certain term now leaving Bangladesh permanently in terms of their relevant employment contracts, are able to transfer abroad their genuine savings out of salaries/benefits clearly stated in the employment contracts duly approved by the Board of Investment (BOI). As per the employment contracts of BOI they can transfer abroad their retirement benefits such as provident funds, pensions and gratuities.

Who else can remit abroad?
Commercial remittances can be done generally by agents of airlines, shipping companies for freight and passage collections and importers. However, all these remittances are subject to application in the prescribed form of Bangladesh Bank.

What can be done for remittance received against exports?
Exporters of merchandise, ready made garments and goods containing high import content are entitled to a foreign exchange retention quota of a certain percentage of the repatriated freight on board value of their exports.

Foreign exchange out of the retention quota may be maintained in Foreign Currency accounts with the concerned Banks in US dollar, Pound Sterling, Deutsche Mark or Japanese Yen upon realisation of the export proceeds.

What is an 'identity theft'?
While doing banking 'online/internet banking' you could be the victim of an 'identity theft'. To protect your identity, you could take some simple measures, like have all your mail sent to a post office box rather than to your home address, avoid opening mail from people you don't know, use different passwords for operating your online accounts. While devising passwords mix upper and lower case, numbers and letters.

How do you maintain 'good credit'?
One's credit report is the summary of financial reliability for the lender and a warehouse of payment of bills and debts. To maintain a good credit you could pay bills on time, keep the credit card balances low and consider closing unused or forgotten accounts. It's better to pay off debt rather than transferring it between cards or accounts.

How to manage a 'joint account'?
The likelihood of having a joint account is if you are married or have a business partner. Whatever the circumstances are, managing a joint account is better if you communicate with the other signatory with regard to the deposits and withdrawals, take equal responsibility because in the eyes of the bank you are equal owners of the account and monitor the activity of the account effectively.

Hello Dr. Khan,
I have a couple of questions about gum disease. Could my gum disease be transmitted to other people? Is this genetic? How we can avoid this disease?
- Taybur Ramman

Dear Rahman,
Thanks for this important query. Did you know that more than 75 percent of all adults have gum disease? Many people have gum disease and are not even aware they have this problem. Gum disease is a "silent" malady - until your teeth become loose and fall out - many people do not know they have it and how serious the case is.
Periodontal disease may be passed from parents to children and between couples, according to an article in the September 1997 issue of the Journal of the American Dental Association. Researchers suggest that bacteria causing periodontal disease are passed though saliva. This means that when a family or couple comes into contact with each other's saliva, they're at risk of contracting the periodontal disease of another family member.
Based on this research, the American Academy of Periodontology (AAP) recognises that treatment of gum disease may involve entire families. If one family member has periodontal disease, the AAP recommends that all family members see a dental professional for a periodontal disease screening.
A recent report indicated that a young woman in a relationship with a man who had HIV, caught AIDS from kissing him. Both people had moderate to advanced periodontal disease and it is believed that she caught the AIDS because of a direct blood transfer between their diseased gums.
Research also proves that up to 30 percent of the population may be genetically susceptible to gum disease. Despite aggressive oral care habits, these people may be six times more likely to develop periodontal disease. Identifying these people with a genetic test before they even show signs of the disease and getting them into early interventive treatment may help them keep their teeth for a lifetime.
Symptoms of Gum disease
Do your gums bleed when you brush, floss or use a toothpick?
Are your gums red, swollen and painful?
Do you have pus coming from between your gums and teeth if you push on your gums?
Are your gums pulling away from your teeth?
Has there been a change in the way your teeth come together when you bite or chew on food?
Do your teeth look longer because of receding gums?
Are your teeth loose?
Do you have bad breath?
If you wear a partial denture does it still fit the same?
If any of these statements are true then you may have a problem with your gums. You should visit your dentist and get an evaluation and schedule an appointment. You may need more than just a routine cleaning of your teeth to get your gums healthy again.
A thorough evaluation of your gums and your overall dental health includes a comprehensive examination, a complete set of x-rays, and periodontal probing. If there is bone loss and deep pocketing you may need non-surgical periodontal or surgical periodontal care.
To keep your teeth for a lifetime, you must remove the plaque from your teeth and gums every day with proper brushing and flossing. Regular dental visits are also important. Daily cleaning will help keep calculus formation to a minimum, but it won't completely prevent it. A professional cleaning at least twice a year is necessary to remove calculus from places your toothbrush and floss may have missed.



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