TYPES OF CHEQUE

TYPES OF CHEQUE

1. Order Cheque : A cheque which is payable to a particular person or his order is called an order cheque.

2. Bearer Cheque : A cheque which is payable to a person whosoever bears, is called bearer cheque.

3. Blank Cheque : A cheque on which the drawer puts his signature and leaves all other columns blank is called a blank cheque.

4. Stale Cheque : The cheque which is more than three months old is a stale cheque.

5. Multilated Cheque : If a cheque is torn into two or more pieces, it is termed as mutilated cheque.

6. Post Dated Cheque : If a cheque bears a date later than the date of issue, it is termed as post dated cheque.

7. Open Cheque : A cheque which has not been crossed is called an open cheque. Even if a cheque is crossed and subsequently the drawer has cancelled the crossing at the request of the payee and affixes his full signature with the words “crossing cancelled pay cash”, it becomes an open cheque.

8. Crossed Cheque : A cheque which carries too parallel transverse lines across the face of the cheque with or without the words “I and co”, is said to be crossed.

9. Gift Cheques : Gift cheques are used for offering presentations on occasions like birthday, weddings and such other situations. It is available in various denominations.

10. Traveller’s Cheques : It is an instrument issued by a bank for remittance of money from one place to another.

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Some Important Books and their Authors

1. 6th December 1992— P.V. Narasimha Rao
2. A bend in the River — V.S. Naipal...
3. A Million Multinies Now — V.S. Naipal
4. A Mission In Kashmir —Andrew Whitehead
5. A new deal for Asia —Mahathir Mohammad
6. A pair of blue eyes —Thomas Hardy
7. A Passage of India — E.M. Forster
8. A Voice of Freedom — Nayantara Sehgal
9. Aansoo —Jai Shankar Prasad
10. Abhigyan Shakuntalam — Kalidas
11. Across Black Waters — Mulk Raj Anand
12. Affluent Society —J.K. Galbraith
13. Agni Veena —Kazi Nazurul Islam (data by facebook/cnaonweb)
14. Ain-e-Akbari —Abul Fazal
15. Ajatshatru Jai —Shanker Prasad
16. Akabarnama —Abul Fazal
17. Alice in Wonderland — Lewis Carrol
18. Amar Singh —Amar Singh
19. Amrit Aur Vish- Amrit Lal Nagar
20. An EquaL Music —Vikram Seth
21. Anamika, Parimal, Gunjan, Jusi ki kali -Suryaknt Tripathi Nirala
22. Anna Karenina —Tolstoy(data by facebook/cnaonweb)
23. Area of Darkness —V.S. Naipal
24. Arthashastra —Kautilya
25. Ashtadhyayi —Panini
26. Asian Drama —Gunnar Myrdal
27. August Coup —Mikhail S. Gorbachov
28. Avanti Sundari —Dandi
29. Ayodhya .V. Narasimha Rao
30. Between the Lines —Kuldeep Nayyar
31. Bhagwad Gita —Veda Vyas
32. Bharat Bharti —Maithili Saran Gupta
33. Bharat Durdasha — Bhartendu Harischandra
34. Bihari Satsai — Bihari(data by facebook/cnaonweb)
35. Bijak— Kabirdas
36. Bliss was it in that down — Minoo Masani
37. Blood Brothers — M.J. Akbar
38. Boyhood: Scenes from Provincial Life —J.M. Coetzee
39. Bradman’s Best — Rolland Perry
40. Broken Wing —Sarojini Naidu
41. Buddha Charitam —Ashwaghosh
42. Chand Ka Munh Tedha Hai —Gajanan Madhav
43. Coolie — Mulk Raj Anand(data by facebook/cnaonweb)
44. Cosmic Reality — Lajja Ram
45. Curfewed Night— Basarrat Peer
46. Das Capital —Karl Marx
47. Dashkumaracharitam — Dandi
48. Daybhag —Jeemootwahan
49. Death —Kaka Saheb Kalelkar
50. Divine Comedy — Dante
51. Divine Life — Swami Shivanand
52. Elizabeth Castello— Eight Lessons J.M. Coetzee
53. End of the Era —C.S. Pandit(data by facebook/cnaonweb)
54. Envisioning an Empowered Nation — Dr. A.P.J. Abdul Kalam
55. Eternal India —Mrs. Indira Gandhi
56. Experiment with Untruth — Michael Anderson
57. Fasting, Feasting — Anita Desai
58. Fireproof —Raj Kamal Jha
59. Forty nine Days— Amrita Pritam
60. Freedom from Fear — Aung San Suu Kyi
61. Gaban — Munsi PremChand
62. Geet Govind — Jayadev
63. Gitanjali —Rabindra Nath Tagore(data by facebook/cnaonweb)
64. Glimpses of World History —Jawahar Lal Nehru
65. Godan —Munsi PremChand
66. Golden Threshold — Sarojini Naidu
67. Gora— Rabindra Nath Tagore
68. Gulag Archipelago — Alexander Solzhenitsyn
69. Guide —R. K. Narayanan
70. Gurusagaran — O.P. Vijayan
71. Harry Potter and Deathly Hallows —J.K. Rowling
72. Harsha Charit — Bana Bhatta
73. Hindu view of Life — Dr. S. Radhakrishnan
74. History of Western Philosophy — B. Russel
75. Humanyunama — Gulbadan Beghum
76. I Follow the Mahatma — K.M. Munshi
77. Ignited Minds — Dr. A.P.J. Abdul Kalam
78. In the Line of Fire — A Memoir — Parvez Musharraf
79. India Wins Freedom— Abul Kalam Azad
80. Indian Philosophy — Dr. S. Radhakrishnan
81. Indian Summers — John Wright
82. Indian war of Independence — V.D. Savarkar
83. Indira Gandhi Returns —Khushwant Singh
84. Innocent in Death —J.D. Robb(data by facebook/cnaonweb)
85. Interpreter of Maladies — Jhumpa Lahiri
86. Kaya Kalp — Munshi Prem Chand
87. Let Us Kill Gandhi — Tushar A. Gandhi
88. Life of Pi —Yann Martel
89. My President Years —R. Venkataraman

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LIST OF IMPORTANT DAYS

1. January 9 NRI Day
2. January 10 World Laughter Day
3. January 12 National Youth Day
4. January 15 Army Day
5. January 26 India's Republic Day, International Customs Day
6. January 30 Martyrs' Day; World Leprosy Eradication Day
7. 2nd Sunday of February World Marriage Day
8. February 24 Central Excise Day
9. February 28 National Science Day
10. Second Monday March Commonwealth Day
11. March 8 International Women's Day; Intl. literacy Day
12. March 15 World Disabled Day; World Consumer Rights Day
13. March 18 Ordnance Factories Day (India)
14. March 21 World Forestry Day; International Day for the Elimination of Racial Discrimination
15. March 22 World Day for Water
16. March 23 World Meteorological Day
17. March 24 World TB Day
18. April 5 National Maritime Day
19. April 7 World Health Day
20. April 17 World Haemophilia Day
21. April 18 World Heritage Day
22. April 21 Secretaries' Day
23. April 22 Earth Day
24. April 23 World Book and Copyright Day
25. May 1 Workers' Day (International Labour Day)
26. May 3 Press Freedom Day; World Asthma Day
27. May 2nd Sunday Mother's Day
28. May 4 Coal Miners' Day(data byhttp://goo.gl/8a2rgq)
29. May 8 World Red Cross Day
30. May 9 World Thalassaemia Day
31. May 11 National Technology Day
32. May 12 World Hypertension Day; International Nurses Day
33. May 15 International Day of the Family
34. May 17 World Telecommunication Day
35. May 24 Commonwealth Day
36. May 31 Anti-tobacco Day
37. June 4 International Day of Innocent Children Victims of Aggression
38. June 5 World Environment Day
39. June 3rd Sunday Father's Day
40. June 14 World Blood Donor Day(data byhttp://goo.gl/8a2rgq)
41. June 26 International Day against Drug Abuse and Illicit Trafficking
42. July 1 Doctor's Day
43. July 6 World Zoonoses Day
44. July 11 World Population Day
45. August 3 Internatioal Friendship Day
46. August 6 Hiroshima Day
47. August 8 World Senior Citizen's Day
48. August 9 Quit India Day, Nagasaki Day
49. August 15 Indian Independence Day
50. August 18 International Day of the World's Indigenous Peoples
51. August 19 Photography Day(data byhttp://goo.gl/8a2rgq)
52. August 29 National Sports Day
53. August 19 Photography Day
54. August 29 National Sports Day
55. September 2 Coconut Day
56. September 5 Teachers' Day; Sanskrit Day
57. September 8 World Literacy Day (UNESCO)
58. September 15 Engineers' Day
59. September 16 World Ozone Day
60. September 21 Alzheimer's Day; Day for Peace & Non-violence (UN)
61. September 26 Day of the Deaf
62. September 27 World Tourism Day(data byhttp://goo.gl/8a2rgq)
63. October 1 International Day for the Elderly
64. October 2 Gandhi Jayanthi
65. October 3 World Habitat Day
66. October 4 World Animal Welfare Day
67. October 8 Indian Air Force Day
68. October 9 World Post Office Day
69. October 10 National Post Day
70. October 2nd Thursday World Sight Day
71. October 13 UN International Day for Natural Disaster Reduction
72. October 14 World Standards Day
73. October 15 World White Cane Day (guiding the blind)
74. October 16 World Food Day
75. October 24 UN Day; World Development Information Day
76. October 30 World Thrift Day(data byhttp://goo.gl/8a2rgq)
77. November 9 Legal Services Day
78. November 14 Children's Day; Diabetes Day
79. November 17 National Epilepsy Day
80. November 20 Africa Industrialization Day
81. November 29 International Day of Solidarity with Palestinian People
82. December 1 World AIDS Day
83. December 3 World Day of the Handicapped
84. December 4 Indian Navy Day
85. December 7 Indian Armed Forces Flag Day
86. December 10 Human Rights Day 
87. December 18 Minorities Rights Day (India)
88. December 23 Kisan Divas (Farmer's Day) (India)

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Dr. Abdul Kalam's Letter to Every Indian

Dr. Abdul Kalam's Letter to Every Indian

Why is the media here so negative?

Why are we in India so embarrassed to recognize our own strengths, our achievements?

We are such a great nation. We have so many amazing success stories but we refuse to acknowledge them. Why?

We are the first in milk production.

We are number one in Remote sensing satellites.

We are the second largest producer of wheat.

We are the second largest producer of rice.

Look at Dr. Sudarshan , he has transferred the tribal village into a self-sustaining, self-driving unit.. There are millions of such achievements but our media is only obsessed in the bad news and failures and disasters.

I was in Tel Aviv once and I was reading the Israeli newspaper. It was the day after a lot of attacks and bombardments and deaths had taken place. The Hamas had struck. But the front page of the newspaper had the picture of a Jewish gentleman who in five years had transformed his desert into an orchid and a granary. It was this inspiring picture that everyone woke up to. The gory details of killings, bombardments, deaths, were inside in the newspaper, buried among other news.

In India we only read about death, sickness, terrorism, crime.. Why are we so NEGATIVE? 

Another question: Why are we, as a nation so obsessed with foreign things? We want foreign T.Vs, we want foreign shirts. We want foreign technology.

Why this obsession with everything imported. Do we not realize that self-respect comes with self-reliance?

I was in Hyderabad giving this lecture, when a 14 year old girl asked me for my autograph. I asked her what her goal in life is.. She replied: I want to live in a developed India . For her, you and I will have to build this developed India . You must proclaim. India is not an under-developed nation; it is a highly developed nation.

..

YOU say that our government is inefficient.

YOU say that our laws are too old.

YOU say that the municipality does not pick up the garbage.

YOU say that the phones don't work, the railways are a joke. The airline is the worst in the world, mails never reach their destination. 

YOU say that our country has been fed to the dogs and is the absolute pits.

YOU say, say and say.. What do YOU do about it?

Take a person on his way to Singapore . Give him a name - 'YOURS'. Give him a face - 'YOURS'. YOU walk out of the airport and you are at your International best. In Singapore you don't throw cigarette butts on the roads or eat in the stores. YOU are as proud of their Underground links as they are.. You pay $5 (approx. Rs.. 60) to drive through Orchard Road (equivalent of Mahim Causeway or Pedder Road) between 5 PM and 8 PM. YOU come back to the parking lot to punch your parking ticket if you have over stayed in a restaurant or a shopping mall irrespective of your status identity… In Singapore you don't say anything, DO YOU? YOU wouldn't dare to eat in public during Ramadan, in Dubai .. YOU would not dare to go out without your head covered in Jeddah.

YOU would not dare to buy an employee of the telephone exchange in London at 10 pounds (Rs..650) a month to, 'see to it that my STD and ISD calls are billed to someone else.'YOU would not dare to speed beyond 55 mph (88 km/h) in Washington and then tell the traffic cop, 'Jaanta hai main kaun hoon (Do you know who I am?). I am so and so's son. Take your two bucks and get lost.' YOU wouldn't chuck an empty coconut shell anywhere other than the garbage pail on the beaches in Australia and New Zealand ..

Why don't YOU spit Paan on the streets of Tokyo ? Why don't YOU use examination jockeys or buy fake certificates in Boston ??? W

We are still talking of the same YOU. YOU who can respect and conform to a foreign system in other countries but cannot in your own. You who will throw papers and cigarettes on the road the moment you touch Indian ground. If you can be an involved and appreciative citizen in an alien country, why cannot you be the same here in India ? 

In America every dog owner has to clean up after his pet has done the job. Same in Japan ..

Will the Indian citizen do that here?' He's right. We go to the polls to choose a government and after that forfeit all responsibility.

We sit back wanting to be pampered and expect the government to do everything for us whilst our contribution is totally negative. We expect the government to clean up but we are not going to stop chucking garbage all over the place nor are we going to stop to pick a up a stray piece of paper and throw it in the bin. We expect the railways to provide clean bathrooms but we are not going to learn the proper use of bathrooms.

We want Indian Airlines and Air India to provide the best of food and toiletries but we are not going to stop pilfering at the least opportunity.

This applies even to the staff who is known not to pass on the service to the public.

When it comes to burning social issues like those related to women, dowry, girl child! and others, we make loud drawing room protestations and continue to do the reverse at home. Our excuse? 'It's the whole system which has to change, how will it matter if I alone forego my sons' rights to a dowry.' So who's going to change the system?

What does a system consist of? Very conveniently for us it consists of our neighbours, other households, other cities, other communities and the government. But definitely not me and YOU. When it comes to us actually making a positive contribution to the system we lock ourselves along with our families into a safe cocoon and look into the distance at countries far away and wait for a Mr.Clean to come along & work miracles for us with a majestic sweep of his hand or we leave the country and run away.

Like lazy cowards hounded by our fears we run to America to bask in their glory and praise their system. When New York becomes insecure we run to England . When England experiences unemployment, we take the next flight out to the Gulf. When the Gulf is war struck, we demand to be rescued and brought home by the Indian government. Everybody is out to abuse and rape the country. Nobody thinks of feeding the system. Our conscience is mortgaged to money.

Dear Indians, The article is highly thought inductive, calls for a great deal of introspection and pricks one's conscience too….. I am echoing J. F. Kennedy's words to his fellow Americans to relate to Indians…..

'ASK WHAT WE CAN DO FOR INDIA AND DO WHAT HAS TO BE DONE TO MAKE INDIA WHAT AMERICA AND OTHER WESTERN COUNTRIES ARE TODAY'

Lets do what India needs from us.

Forward this letter to each Indian for a change instead of sending.

Thank you,

Dr. A.P.J. Abdul Kalam

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Facts About RBI

Facts About RBI

• Name of Central Bank of India: Reserve Bank of India (RBI)RBI

• Reserve Bank of India Act passed in 1934.

• Reserve Bank of India (RBI) established on 1 April 1935.

• Reserve Bank of India (RBI) established on the recommendation of Hilton-Young Commission.

• Hilton-Young Commission submitted its report in the year 1926.

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For more click given below link

Facts About RBI

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