What is a sanchaypatra?
A sanchaypatra or certificate means as per sanchaypatra rules- five years Bangladesh sanchaypatra, tin mash antar munafa Vittik; three years sanchaypatra and five years pension savings certificate or any other sanchaypatra introduced in future by the issuing authority.

Who are the issuing authorities of sanchaypatra?
These certificates may be issued by Bangladesh Bank, the scheduled Banks, Post Office and National Savings Bureau. They are called the 'issuing authority'. Also their offices are called 'Office of Issue'.

Who can purchase a sanchaypatra?
A single adult, a minor, two adults in their joint names, an adult on behalf of a single minor, two minors jointly and for any mentally imbalanced person, by a guardian or manager appointed by a Court of Law.

What are the first steps for purchase of a sanchaypatra?
Applicants have to fill up the prescribed application form usually free of charge from any office of issue. They have to present this application himself/herself or through a messenger or through his/her banker to the office of issue.

Can sanchaypatra be purchased by a minor?
Sanchaypatras can be purchased by an adult or a Bank on behalf of a minor. In this case the application should be signed by the adult(s) or the minor(s). The purchaser has to nominate a person who will be entitled to the proceeds of the certificates/sanchaypatras on behalf of the minor. Exception, however, can be made as per the sanchaypatra rules.

Who can be the nominated person?
Nomination is usually restricted to the father, the mother, the paternal grandfather or the legal guardian of the minor. If the certificates/sanchaypatras were purchased by the bank then the proceeds after encashment will be payable to the person nominated.

Can the nomination be cancelled/ceased?
Nomination can cease to take effect if the nominated person/individual dies before the death of the holder or before he/she has received any sum from the there under.

Can any amount be purchased for sanchaypatra?
The maximum permissible amount a purchaser can invest is taka 15 lacs, if being purchased for one person. And if bought for two persons then the maximum amount that can be purchased is takas thirty lacs.

Any excess to the limit allowed?
Only in few circumstances, excess is allowed. If the holder receives certificates/ sanchaypatra in excess of the permissible amount through inheritance or it is an award granted by the Government to a soldier for gallantry. In these cases the holder can hold the excess amount, earn interest on it but cannot further increase the holding.

Is there any penalty for holding certificates/ sanchaypatra in excess of permissible amount?
If discovered by issuing authority that the holder has certificates/ sanchaypatra beyond the permissible amount, the holder immediately has to discharge the excess amount and will not be entitled to any interest further. Also any profit/interest received by the holder has to be refunded to the Government.

Dear Doctor,
I am 18 years old. I have a problem and would appreciate your suggestions. Apparently I faced some difficulty when I was born so doctors had to punch in several injections into me and they did so on the outer sides of my thighs. The injected areas bear marks and now look like deep dimples. I hate the way it looks and I want to know if it can be fixed with some kind of surgery and where I should get it done. Thank you.
- Tasnim

Hello Tasnim,
Thanks for the letter. The dimples you talk about may not be due to injections but even if they are its a problem that can be fixed. We need to examine the area and then some kind of filler can be used. This can be either fat or fillers that are available in the market.

Dear Doctor,
I'm a 14-year-old girl. Firstly, I've got this dry pimple-type-thing on my head, which is now appearing on my forehead. I also have pimples on my cheeks; blackheads all over my nose that is now spreading towards my cheeks. I use a good facewash regularly, but every time I use it, my nasal bridge becomes oily. If I stop using the facewash, the blackheads become dry and rough. What should I do? Can you suggest the best cream that can cure blackheads or should I try anything made at home? Thank you.
- Mohua

Hello Mohua
You wrote about your problems with having pimples that are dry, but you did not mention whether they itch or not. I think you may have some kind of allergic lesion. It's best to consult either a cosmetic surgeon or dermatologist. As for your skin care, you definitely need to use a good sunscreen at least twice daily .It should be SPF30 or above. Also, for the blackheads get a facial done regularly once a month and I think you will get a good result. Make sure you go to a good parlour. I hope this will help you.

Event

Stories by a smashed up cell phone

Have you ever dreamt that you were shopping in Agora and woken up in a bed in Square Hospital? Have you ever had a nagging thought on your mind and not quite known where it was originating from? Well, Naiem Mohaiemen's show at Chitrak, 'My Mobile Weighs a Ton' was a bit like that. Using djuice language and blurred cell phone images, one second you'd think you have the show all figured out, until you get towards the end of the show and a photo caption says, “If you think this show is about mobile culture, the line must be bad. Please hang up and call again.”

Ever since the birth of that annoying device that has almost deleted the word 'privacy' from our dictionary, every little incident that happens around us gets documented. Fifteen years ago taking photographs were limited to special occasions. Today my 13-year-old niece tapes video clips of my sister and mother during a heated argument and immediately puts it up on YouTube to share with her friends.

Mohaiemen in his show has documented incidents that are seemingly unrelated- broken windows, a motorcycle, a man looking at a stop sign, a woman reading out the news, a cracked mobile phone and a lock sign that says, 'Phones should be open to anything'. It's only when one notices the time line that is given with every photograph that these are in fact a string of related incidents that happened in one day the 'journalist without the press card' (as he puts it), encountered. It's interesting that he uses his cell phone camera to tell a story that unfolds between 4:01 pm to 6:05 pm, the time during which it seems there was no network signal available.

While the transformer figures play a game of football over Dhaka's map, a young girl who is completely uncaring of the bigger picture developing around her, complains of how it is inconveniencing her day's plans.

Mohaiemen's work is not aesthetically pleasing to the eye and he makes every effort for it not to be. He warns visitors about having such expectations at the very beginning. He's tired of people's yearning for everything to be beautiful, which he labels the 'Singapore moment'. Unfortunately Dhaka is no Singapore. The grungy Chitrak Gallery look could be compared to Dhaka and the photos and installations everything we encounter on the streets and in the papers that make us cringe. The happy SSC girls (record GPA this year) could be compared to everything sanctified in the city, that we pat each others' back for- Baridhara houses, Bashundhara shopping mall, English medium corporate products while on the other side there are the low dpi; shadowy images can be compared to everything Dhaka's 'shushil shomaj' turns a blind eye to.

Mohaiemen is too distressed by what he sees around him it seems. He takes it out on the object that gives him most distress- his loyal cell phone. He smashes the phone to pieces with his hammer within a matter of a minute as is recorded on a video strip and puts it on display for all to see.

Naeem Mohaiemen works in video, image and text. His projects showed at Dhaka Goethe, Chittagong Press Club, EU Human Rights Commission, Finnish Museum of Photography, Queens Museum of Art, etc.

By Sabiha Siddique

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Spice Odour

For all the female counterparts of the family, spice odour during Ramadan due to extensive iftar and sehri preparation is a common scenario.

Sometimes hands do get quite smelly from onion/garlic/turmeric and the odour persists.To remove the strong odour of onions from your hands, hold a stainless steel spoon in your hand under running water and rub your hands against the spoon.

To rid your hands of garlic odour, rub a piece of stainless steel. As an alternative tip, you can also use coffee grounds. While washing your hands, rub your hands in used coffee grounds; it not only drives out the odour, but leaves your palms smelling great. Works like a charm! Every time!