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Daily Digest - February 25, 2020
Daily digest is your daily dose of knowledge. There are 365 topics and each day will cover a different topic. It gives valuable information on topics like physics, knowledge, emotions, entertainment & spirituality. Click on archive and view all the topics of the year.
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Hey! You all must have seen your father writing cheques. You know kids, there are

3 types of bank:
  • Government bank
  • : Eg. Bank of Baroda, UTI etc.
  • Private Bank: Eg. ICICI. Co-operative bank: Sardar Bhiladwada Bank.

To write cheques:

  • You write the amount in words and figures.
  • Write the date.
  • Do the signature.
  • You can write it to the account payable or to the bearer.

How to open an account?

  • Visit the bank in which you want to open an account.
  • Talk to a concerned person.
  • Decide about the type of account you want to open like saving account, current account or dematerialization account.
  • In saving account, you deposit the money and get interest.
  • In current account you can deposit and withdraw money anytime as per needs.
  • Dematerialization account means that you deposit the shares in electronic form.
  • Take the form.
  • You have to give the residential proof and the photo identity.

You must have seen people using ATM machine. Have you ever try to know?

To use the ATM card.
  • Insert the card i.e. Debit card.
  • And insert the pin.
  • And you get the money



Process of depositing the money in a bank:
  • Fill the slip and attach a cheque or cash with it and the money is deposited.
  • Fill up the withdrawal slip and give it in the bank.
  • Or you can withdraw the money by cheque.
  • Or you can withdraw the money from ATM.

You can even get different type of loans from the bank:

  • Home loan.
  • Personal loan.
  • Educational loan.'
  • Vehicle loan etc.

You have to pay a fixed installment for it.

You can even keep the precious jewellery in the lockers of the bank, as it is safe.


Budget :
  • Budget is a list of planned expenses and incomes.
  • Personal budget- sources of all the income are identified and the expenses are planned.
  • Government budget- it is the summary of the income and the expenditure.Finance minister prepares and presents the budget in the Lok Sabha on the last day of the February. It is approved before 1st April by parliament. Source of government income are taxes like tariff, income tax, public services like bank etc, natural resources like oil, petroleum, gas, metals, land etc.
  • Government budget comprise of: Revenue Budget: receipt from revenue and expenditure from these revenues. Receipt is from interest and dividend from investment, fees, services given by government, tax etc.
  • Capital Budget: capital receipt and expenditure. Capital receipt is from the loan taken from public, borrowing from Reserve Bank of India etc and expenditure on land, building, machinery, government company
  • If you can’t understand it you can ask your parents about it.

FACTS :-Lowest category of plant is called bacteria. They are 25000th part of an inch. It is harmful as well as useful. As it may cause Typhoid, Tetanus, T.B. Cholera, Diphtheria, Dysentery. But is useful in making Curd, Vinegar, destroying dead plant and animals by decaying them etc.


Good thought:- the best rules to be a young man are: to talk little, to hear much, to reflect alone upon what has passed in company, to distrust one owns opinions, and value others that deserve it. - Sit William Temple.

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