A cup of coffee
Lightly made, sizzling hot, smelling nice
In front of you, when you open your eyes in the bed
A News Paper
Not very jazzy, not full of lies & gossips
Some meaningful headlines, special articles and mirror view of what’s happening
Healthy Walk
20 or may be 30 mins some time
Feeling the cold wind, a brisk walk which sweats you away
Hot Bath
Not very hot, not very cold
Shower on & it rains on you, washing you and taking all the worries away
A light breakfast
Healthy, tasty (Stupid how can it be healthy & tasty as well ) & ready when you enter the kitchen
Not that you have to cut veggies, u have to fry, you have to mix and no time left to eat
No traffic
No honking, no exchange of words
Green signals, happy traffic cop, wishing you morning & showing the way !!!( too much isn’t?)
Office
Not many mails, not many meetings without any point without any decisions
A tight schedule with regular break, timely pack up, going home with a satisfaction
Many of these
small things, which is not impossible, which doesn’t cost much
keeps us going, waiting for the next day
Sunday, Monday , Tuesday passes away
Leaving a mark of anniversary, b’day or a simple day
Monday, November 9, 2009
Sunday, November 1, 2009
Whom to Blame ?
This is my first Short story on the blog. All characters , in fact only character in this story is fictional and if there is any resemblance to yourself , then please consider yourself as fool.
It’s the Sunday, 17th April 2011. Very windy, cold & quite Weekend for most of the people in the small town of Middleborough placed North East of England. Just an Hour drive from the city of Newcastle. But Bob was sweating & smoking continuously throughout the day. His mind was running in many directions, thinking & thinking. He was unable to sit or do anything other than roaming inside the small one bed room house.
First Call
It all started a year ago when he got a call offering Gold Credit Card from NatWest Bank. He was in no mood to take it but got excited when the advisor explained on the 5 % Cash Back offer, 250,000 Pound Credit Limit, 60 Days no interest period, EMI facility to pay back, Transfer of present credit from other cards !!!. He was like, “Let me have one” & signed up the deal. Within a week, the card with his name printed on it arrived to his communication address. He just opened the seal and put it in his card folder in his drawer. If it was only this, there was no need for him to face this day !!!
All was fine until he visited the Hartleepool Electronic Fest over a week end. He saw a Laptop with all the features he ever wanted. He already had one but it was bit slow as it was fully loaded with data & applications. He worked out his financials and realized he will not be able to afford this with his current savings and will take minimum 3 – 4 months to make it up. He lost his peace and then realized he has the brand new Gold credit card ready to swipe & shine. Next day with a single swipe he bought home his dream child laptop and I wish I could have said “He happily lived ever after “.
He did the repayment very promptly but got in to the habit of swiping. His mindset itself changed to an extent that he was ready to afford anything and everything. Thanks to NatWest. Bob bought many more things, some out of necessity and some as an up gradation. As he spent more, he owed more. What he owed was less than what he earned. In his savings he can’t pay back complete due amount. As he dint pay, interest of 17% was thrown on him. He skipped some payments. Extra interest and huge processing fee was added. The total amount was growing & growing. But not the salary. Bob doesn’t play Lotto also!!!
Calls after Calls
When he filled the form initially to apply for the card, with the best of his hand writing skills he has filled his mobile, home and residential numbers as all these were mandatory fields. Now he is repenting what he did. Now he is contactable on his mobile or house landline or Office extension. They call and give deadlines & abuse when he fails to meet. They visit his office during office hours and his home during late nights.
He is wondering what to do !!!
Some of the tips on how to use the Credit Card :
Source : http://www.credit-card-debt-info.com/Tips-for-Using-Your-Credit-Card-Wisely.html
Use your credit cards wisely and sparingly. Remember: Paying goods and services using credit cards are more expensive than using cash or checks. Credit payments include interest and other fees. Use credit cards as sparingly as possible. If you really need to use credit cards, carry only the cards that you will actually use.
Use credit only if you are sure you can repay it fully at the end of the payment cycle. Paying your debt on a credit card using another credit card does not count.
Avoid impulse shopping on your credit card.
Use credit for money emergency only.
Credit Card Facts:
Typical credit cards ask for a number of charges, including:
A finance charge, which is an interest charge for the unpaid portion of your monthly bill;
An annual membership fee;
Or if you're paying after the deadline, there is also a late payment fee which could have a higher interest rate.
It’s the Sunday, 17th April 2011. Very windy, cold & quite Weekend for most of the people in the small town of Middleborough placed North East of England. Just an Hour drive from the city of Newcastle. But Bob was sweating & smoking continuously throughout the day. His mind was running in many directions, thinking & thinking. He was unable to sit or do anything other than roaming inside the small one bed room house.
First Call
It all started a year ago when he got a call offering Gold Credit Card from NatWest Bank. He was in no mood to take it but got excited when the advisor explained on the 5 % Cash Back offer, 250,000 Pound Credit Limit, 60 Days no interest period, EMI facility to pay back, Transfer of present credit from other cards !!!. He was like, “Let me have one” & signed up the deal. Within a week, the card with his name printed on it arrived to his communication address. He just opened the seal and put it in his card folder in his drawer. If it was only this, there was no need for him to face this day !!!
All was fine until he visited the Hartleepool Electronic Fest over a week end. He saw a Laptop with all the features he ever wanted. He already had one but it was bit slow as it was fully loaded with data & applications. He worked out his financials and realized he will not be able to afford this with his current savings and will take minimum 3 – 4 months to make it up. He lost his peace and then realized he has the brand new Gold credit card ready to swipe & shine. Next day with a single swipe he bought home his dream child laptop and I wish I could have said “He happily lived ever after “.
He did the repayment very promptly but got in to the habit of swiping. His mindset itself changed to an extent that he was ready to afford anything and everything. Thanks to NatWest. Bob bought many more things, some out of necessity and some as an up gradation. As he spent more, he owed more. What he owed was less than what he earned. In his savings he can’t pay back complete due amount. As he dint pay, interest of 17% was thrown on him. He skipped some payments. Extra interest and huge processing fee was added. The total amount was growing & growing. But not the salary. Bob doesn’t play Lotto also!!!
Calls after Calls
When he filled the form initially to apply for the card, with the best of his hand writing skills he has filled his mobile, home and residential numbers as all these were mandatory fields. Now he is repenting what he did. Now he is contactable on his mobile or house landline or Office extension. They call and give deadlines & abuse when he fails to meet. They visit his office during office hours and his home during late nights.
He is wondering what to do !!!
Some of the tips on how to use the Credit Card :
Source : http://www.credit-card-debt-info.com/Tips-for-Using-Your-Credit-Card-Wisely.html
Use your credit cards wisely and sparingly. Remember: Paying goods and services using credit cards are more expensive than using cash or checks. Credit payments include interest and other fees. Use credit cards as sparingly as possible. If you really need to use credit cards, carry only the cards that you will actually use.
Use credit only if you are sure you can repay it fully at the end of the payment cycle. Paying your debt on a credit card using another credit card does not count.
Avoid impulse shopping on your credit card.
Use credit for money emergency only.
Credit Card Facts:
Typical credit cards ask for a number of charges, including:
A finance charge, which is an interest charge for the unpaid portion of your monthly bill;
An annual membership fee;
Or if you're paying after the deadline, there is also a late payment fee which could have a higher interest rate.
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