A misdemeanor (American English) or misdemeanour (British English) is any lesser criminal act in some common law legal systems. Misdemeanors are generally punished less severely than felonies, but theoretically more so than administrative infractions (also known as minor, petty, or summary offences) and regulatory offences. Many misdemeanors are punished with monetary fines.
Travelers checks represent a form of prepaid money exchangeable for goods or services on the same basis as local currency. This payment method is considered to be safer than carrying cash because identification and signature verification are required to cash a travelers check.
A bearer cheque is one that does not has the word Bearer on the cheque cancelled. The cheque sometimes can be made payable to Cash or bearer or made payable to a specific name, for example, Ahmad Osman or Bearer. This cheque is payable by the drawee bank over the counter to the Bearer or presenter of the cheque. A Bearer cheque can be negotiated or pass to another person by mere delivery. In other words, the holder (or the Transferer), when giving it to another person need not endorse the cheque. No identification is needed when a bearer cheque is presented for encashment. However, in normal banking practice, where the amount of the cheque is substantial, the identity of the encasher is insisted on.