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2015
ALTERNATIVE
TENDER
Who says banking can’t be fun? We surely don’t, and this year we’re going to prove it. Our calendar has interesting facts about money, guaranteed to bring a smile to your face, and maybe even a laugh. Did you know that money originated with barter? That is, people exchanged goods/ services for goods/services. A haircut might have cost a kilo of bananas. A cow might have cost a whole truckload of bananas – if they had had trucks. As time went on, money became more “refined”. Barter was replaced by shells which were replaced by metal coins. Ordinary metal coins expanded into precious metal coins in bronze, gold, and silver. Somewhere along the way the banknote developed, first as leather pieces and then as paper. Today, money is often “invisible”, moving from account to account through various online transactions. As you move through this year, you will be treated to money facts. You will learn what some countries used instead of metal coins. You will find out what other countries did when they had a shortage of coins. You will even learn about a machine that “irons” money. Intrigued? Then flip the page and enjoy!
JANUARY 2015
In the 1970’s Italy didn’t have enough small denominations coins so they used telephone tokens and candy to give change
SUN MON TUE WED THU FRI SAT
1 2 3 4 5 6 7 8 9 10 Discover what’s possible 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 New Year’s Day
Youman Nabi*
New Moon: 20th | First Qtr: 27th | Full Moon: 5th | Last Qtr:13th
FEBRUARY 2015
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*Tentative
SUN MON TUE WED THU FRI SAT
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28
63 Robb Street, Lacytown, Georgetown Tel: (592) 226-4031 2nd Avenue, Bartica Essequibo Tel: (592) 455-2603/2618 12 Strand, New Amsterdam Berbice Tel: (592) 333-4154/5/7/8 S ½ Lot 299 Parika Highway East Bank Essequibo Tel: (592) 260-4202-7 For more information go to
guyana.scotiabank.com
Republic Day
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twitter.com/ScotiabankGY New Moon: 18th | First Qtr: 25th | Full Moon: 3rd | Last Qtr:11th
TIP 1
104 Carmichael Street North Cummingsburg, Georgetown Tel: (592) 225-9222
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(No warranty is given or implied as to the accuracy of any factual information or data given herein) Concept and Design by KRITI (sita@kritionline.com)
Do you know that you can pay all your utility bills with Scotia Online®, Scotia Mobile® and Telescotia®? Pay your GPL, GT&T, Digicel, GWI, E-Networks and Guyana Net bills using Scotia Online®. Visit guyana.scotiabank.com for more information on our bill payment services.
MARCH 2015
Denmark made square coins that At one were time used China in national made coins emergency out of Bamboo or given away as presents by the king
SUN MON TUE WED THU FRI SAT
1 2 3 4 5 6 7 8 9 10 11 12 13 14 Discover what’s possible 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31
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Phagwah
104 Carmichael Street North Cummingsburg, Georgetown Tel: (592) 225-9222 63 Robb Street, Lacytown, Georgetown Tel: (592) 226-4031 2nd Avenue, Bartica Essequibo Tel: (592) 455-2603/2618
New Moon: 20th | First Qtr: 27th | Full Moon: 5th | Last Qtr:13th
APRIL 2015
SUN MON TUE WED THU FRI SAT
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 Good Friday
Easter Monday
12 Strand, New Amsterdam Berbice Tel: (592) 333-4154/5/7/8 S ½ Lot 299 Parika Highway East Bank Essequibo Tel: (592) 260-4202-7 For more information go to
guyana.scotiabank.com
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New Moon: 18th | First Qtr: 25th | Full Moon: 4th | Last Qtr:11th
TIP 2
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(No warranty is given or implied as to the accuracy of any factual information or data given herein) Concept and Design by KRITI (sita@kritionline.com)
Want to monitor your account balance? Sign up for Scotia Online®, Scotia Mobile® or Telescotia® and get 24/7 access to your accounts to view balances and transaction history. You can also access e-statements. Go to our website guyana.scotiabank.com to learn more or call 223-4357 to sign up for Telescotia®.
Until the nineteenth century, solid blocks of tea were used as money in Siberia
MAY 2015
SUN MON TUE WED THU FRI SAT
31 1 2 3 4 5 6 7 8 9 Discover what’s possible 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 Labour Day
Arrival Day
Independence Day
New Moon: 18th | First Qtr: 25th | Full Moon: 3rd | Last Qtr:11th
SUN MON TUE WED THU FRI SAT
JUNE 2015
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1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
104 Carmichael Street North Cummingsburg, Georgetown Tel: (592) 225-9222 63 Robb Street, Lacytown, Georgetown Tel: (592) 226-4031 2nd Avenue, Bartica Essequibo Tel: (592) 455-2603/2618 12 Strand, New Amsterdam Berbice Tel: (592) 333-4154/5/7/8 S ½ Lot 299 Parika Highway East Bank Essequibo Tel: (592) 260-4202-7 For more information go to
guyana.scotiabank.com
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New Moon: 16th | First Qtr: 24th | Full Moon: 2nd | Last Qtr:9th
TIP 3
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(No warranty is given or implied as to the accuracy of any factual information or data given herein) Concept and Design by KRITI (sita@kritionline.com)
Don’t stand in line to pay your Mastercard bill! Sign up for Scotia Online®, Scotia Mobile® or Telescotia® and pay your bill from the comfort of your home or office. Visit guyana.scotiabank.com to learn more.
In 1685, New FranceAtused one time playing China cards made as currency coins outbecause of Bamboo of the shortage of coins
JULY 2015
SUN MON TUE WED THU FRI SAT
1 2 3 4 5 6 7 8 9 10 11 Discover what’s possible 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Caricom Day
AUGUST 2015
New Moon: 15th | First Qtr: 24th | Full Moon: 1st, 29th | Last Qtr:8th
SUN MON TUE WED THU FRI SAT
30 31 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 Emancipation Day
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104 Carmichael Street North Cummingsburg, Georgetown Tel: (592) 225-9222 63 Robb Street, Lacytown, Georgetown Tel: (592) 226-4031 2nd Avenue, Bartica Essequibo Tel: (592) 455-2603/2618 12 Strand, New Amsterdam Berbice Tel: (592) 333-4154/5/7/8 S ½ Lot 299 Parika Highway East Bank Essequibo Tel: (592) 260-4202-7 For more information go to
guyana.scotiabank.com
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New Moon: 14th | First Qtr: 22nd | Full Moon: 29th | Last Qtr:6th
TIP 4
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(No warranty is given or implied as to the accuracy of any factual information or data given herein) Concept and Design by KRITI (sita@kritionline.com)
Need to transfer funds between accounts? Use our free services - Scotia Online®, Scotia Mobile® or Telescotia® - to stay on top of your finances. Go to guyana.scotiabank.com to learn more and to sign up.
SEPTEMBER 2015
At At one one time time China China made made coins coins out fromofBamboo Bamboo
SUN MON TUE WED THU FRI SAT
1 2 3 4 5 6 7 8 9 Discover 10 11 12 what’s possible 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 Eid ul Adha*
OCTOBER 2015
New Moon: 13th | First Qtr: 21st | Full Moon: 27th | Last Qtr: 5th
*Tentative
SUN MON TUE WED THU FRI SAT
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31
104 Carmichael Street North Cummingsburg, Georgetown Tel: (592) 225-9222 63 Robb Street, Lacytown, Georgetown Tel: (592) 226-4031 2nd Avenue, Bartica Essequibo Tel: (592) 455-2603/2618 12 Strand, New Amsterdam Berbice Tel: (592) 333-4154/5/7/8 S ½ Lot 299 Parika Highway East Bank Essequibo Tel: (592) 260-4202-7 For more information go to
guyana.scotiabank.com
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New Moon: 12th | First Qtr: 20th | Full Moon: 27th | Last Qtr: 4th
TIP 5
TM
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(No warranty is given or implied as to the accuracy of any factual information or data given herein) Concept and Design by KRITI (sita@kritionline.com)
Get the resources you need to help you start, maintain or grow your business – FREE! Visit guyana.scotiabank.com for tips such as getting your business off the ground, understanding your customers and market, understanding your competition and boosting your cash flow. Managing your business successfully is possible with the online tools at guyana.scotiabank.com!
DECEMBER 2015 NOVEMBER 2015
In Japan, there is an ATM machine that heat presses each bill at 392 degrees for one-tenth of a second before it’s dispensed... and presto! you’ve got yourself a clean bill
SUN MON TUE WED THU FRI SAT
1 2 3 4 5 6 7 8 9 10 11 12 13 14 Discover what’s possible 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 Deepavali
New Moon: 11th | First Qtr: 19th | Full Moon: 25th | Last Qtr: 3rd
SUN MON TUE WED THU FRI SAT
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Youman Nabi*
104 Carmichael Street North Cummingsburg, Georgetown Tel: (592) 225-9222 63 Robb Street, Lacytown, Georgetown Tel: (592) 226-4031 2nd Avenue, Bartica Essequibo Tel: (592) 455-2603/2618 12 Strand, New Amsterdam Berbice Tel: (592) 333-4154/5/7/8 S ½ Lot 299 Parika Highway East Bank Essequibo Tel: (592) 260-4202-7 For more information go to
guyana.scotiabank.com
Boxing Day
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*Tentative
New Moon: 11th | First Qtr: 18th | Full Moon: 25th | Last Qtr: 3rd
TIP 6
Christmas Day
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(No warranty is given or implied as to the accuracy of any factual information or data given herein) Concept and Design by KRITI (sita@kritionline.com)
Want to send money to family and friends urgently? You can do so for free and in less than a minute. Once they have a Scotiabank account in Guyana, you can use Scotia Online® or Scotia Mobile® to do a third party transfer at any time. All it takes is a one time set up online and you can do repeat transactions at your convenience. Check our website guyana.scotiabank.com to learn more.
A
C
B
D A.Carmichael Street branch staff held a fashion show to raise funds for Amanda Anthony, a beneficiary of the Scotiabank/ Habitat Build a Home partnership B.Spreading Christmas cheer at Ptolemy Reid Rehabilitation Centre
E F
C.Corporate and Commercial Banking employees constructing a building for the Kairuni Women’s Group at Soesdyke D.Students of Eccles Primary enjoy their new Reading Room compliments of Scotiabank E.The students of Agricola Primary also received a Reading Room compliments of Scotiabank F.Staffers of the Processing Department having fun at a Habitat workday
G
G.Bartica branch staff participating in a panel discussion for International Women’s Day
H
H.Scotiabankers from the Parika branch help to decorate Hydronie Nursery for the holidays
BRANCH LOCATIONS 104 Carmichael Street, North Cummingsburg, GEORGETOWN. Tel: (592) 225-9222 Fax: (592) 227-4832
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63 Robb Street, Lacytown, GEORGETOWN. Tel: (592) 226-4031 Fax: (592) 225-7985
12 Strand, New Amsterdam, BERBICE. Tel: (592) 333-4154/5/7/8 Fax: (592) 333-4165
2nd Avenue, Bartica, ESSEQUIBO Tel: (592) 455-2603/2618 Fax: (592) 455-2716
S ½ Lot 299 Parika Highway, East Bank ESSEQUIBO. Tel: (592) 260-4202-7 Fax: (592) 260-4208
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