Wednesday, December 30, 2009

A Prosperous New Year...

I wish you a very Happy & Prosperous New Year 2010.

May our lives be much better going forward.

To all my Friends, Family, Well-Wishers and of course my blog readers :)


Thursday, December 24, 2009

Emergency "EXIT" ;)

What do you feel by watching this video? :D "Get out of the Office"?? :P

I was sitting at ma desk and this grabbed my attention :P

Thursday, November 19, 2009

Communication Is All About It!?!

I'm not so proficient in English but can manage to be as clear & simple as possible. I hate to use native language at work place, but there will be circumstances where we will be forced to do something which we don't like to. Corporate cultures should be so inspirational that an employee would feel comfortable in all the ways being with a company. Both hygienic & motivational factors affect an employee.

You would have come across this quote somewhere: "If You Have To Do It, You Might As Well Do It Right! If It Is Worth Doing At All, It's Worth Doing It Right!!!”
Both employee & employer level communications should be good enough that no one can point out or laugh at it. Especially, when a customer visits a company's web site, he should not feel there's something not good in it or something which sounds bad even though it may be right grammatically. After all, the web site resembles the company's reputation/ image, in this e-world.

Corporate Level:
I was going through one of my employers' policies (intranet) and found the phrase "travel cum hotel expenses". I mean, Cum???!!!! Grammatically it may sound good, but it's a slang in other countries which has a vulgar meaning. What I mean to convey here is we can use better words in a written communication (at least) avoiding people to make fun out of it. Especially when there is a scope of client's coming across company's information - no matter over web or any other channel.

You may now say "what's there in using 'cum' here?”, but please give it a thought putting yourself in an audience's (can be clients/ customers/ whomever) shoes. Then you will get to know what exactly I'm talking about. I personally did notice people laughing at such things, when I was at client's place/ country.

An Individual Level:
Also, see how awful you'll feel when you get to see your inbox with a newly popped up email like below:

Subject line contains:
"u r free" (as it is, no caps, no exclamation, nothing)

And the Body contains:

If u r means come to my place, we will discuss on XXX."

What actually will you feel looking at it? First thing is at that instance, I did not understand what actually it means. Secondly, I thought I did something wrong and that person want me to go to him to discuss on the same. Next the subject annoyed me a hell - I'm free?????? I'm mean??? And what not can we think of!? Huh!!

Actually, that person is 'requesting' me to train him on the subject XXX and wanted to check with me whether I'm free to sit and discuss with him or not. But did convey me a totally different message which made me feel very uncomfortable.

These things happen to every one of us, in some or the other way and occur only because of lack of communication skills (at least I feel that).

I can give you more real time examples than the above, which happened throughout my career and I am sure many of us would have faced this kind of stuff.

This lack/ gap can be filled if one has that willingness to improve himself/ herself throwing his/ her ego aside. It also depends on companies who really have to identify these lacking stuff in their employees and allocate some budget to provide training(s) necessary to every individual. After all, communication is an exchange, not just a give, as all parties must participate to complete the information exchange and hence it's so important.

So what all I mean to convey here is:
"Communication works for those who work at it." - John Powell

Please share your thoughts on this.


Monday, October 5, 2009


What actually is this phase of life about? Many say many definitions about it. To make it simple, can we say it is the stage where we lack our confidence in whatever we do? Yes, I believe so. We lack confidence in ourselves, become very pessimistic in one's self. Reasons could be many - prolongated wait - waiting for something to happen but if it doesn't happen soon, we go depressed and hence lacking confidence in ourselves.

Someone told me - we pray God to grant our wishes to happen. We wait putting all our efforts to make 'em happen. He said God grants us some soon, some later and some after our lives. After life things can be understood and no point in planning for them. But the things which we seek during our life will happen, but have to 'wait'. In this process, even if we put our efforts, we won't get what we want immediately - which may lead to this depression.

We really can't have control over getting depressed. Many say be optimistic, think positive etc etc. But it's not that easy as it's told or it's not which we can do it forcibly. It's the mental game of one's self which is dependent on the circumstances one goes through in his/her life.

I would say we being depressed isn't a big deal - after all that's our mental capability of taking things/ facing obstacles. One may be very strong and another may be very weak to face the circumstances. Truly individual though. But, when someone else realizes that we are depressed and tries giving the necessary support for us to overcome such phase of life - is someone like a God to us. Things will happen, may be soon or later, but these kind of people makes our lives easy even when we are going through the toughest phases of life.

If we have at least one such kind, we are lucky. We just need to recognize them, who will be just around us and yet we fail to understand them properly... unfortunately...


Wednesday, September 16, 2009


How sick would it be to lead a dependable life? Dependability isn't bad; It's good at times, and equivalently bad at some other aspects of life.

We might have so many friends whom we call 'good' friends. But there will be very few out of those 'many' who will help us when we are in a real need, even before we ask for any help. Not sure why we always go beyond things/ people whom we like and ignore/ give less priority to them who likes us. Is it being human? Well, it's just the explanation we give after all happens.

I personally don't like to live a dependable life. But circumstances may lead us to take help/ support from others to keep up the optimistic views alive. We will be surprised when we get to know the real nature of those so called friends who backs off when we need them. Subsequently, we will be surprised as well when we get support from whom we never would have expected., yet keeping our self-respect alive. I don't know whether my phrases or sentences makes sense, but I know for sure at some or the other time, you would know what I'm talking about - when you happen to face that situation.

Life changes minute-by-minute. I thought attitude never changes, but behaviour does. In fact, attitude does change as well depending on under what circumstances we are bought up and under what circumstances we are living now, when both are mutually exclusive.

How good it would be when we would always be happy, with a balanced personal & professional life. We can't be happy when either one or both of them goes down. Under those circumstances, we will be forced to believe few things which we never would have believed till that point. Nevertheless, a worth companion does makes our lives easy even under those stressful situations/ phases of life. It's not easy to get that kind of friend/ companion as we talk about it. But once we get that person, our lives will be under control, no matter what worse situation we are in.

How many of us would have got such kind of people around who actually wishes to share our sorrows/ tough times? I believe significantly very few of us would have. There will be an end to every obstacle in life. We just need to keep our spirits high and work on it. I'm thankful to all of 'em who supported/ supporting me even in my tough times either.

I don't know why I keep writing such things which may sound crap to few people. But to be honest, this way I puke out ma heart, I feel very relaxed. Thanks to this 'blogging' concept ;)

Friday, September 4, 2009

All That Glitters Ain't Gold...

Ever heard of 'Insanity' in the professional world?

One of the third grade company I've ever seen in my life so far. People say "What's there in a Name"... Truely said.... But I've got trapped with that name itself... LOL.. A company which claims it has all the Knowledge Force, but up on my experience, that's an unethical, cheap standards company which only 'forces' people to believe it's a good company. Located in US, claiming that they have great people and they always will have great results, and a billion dollar company. LOL. Yea, a billion dollar company with no ethics. No company/ Org. will grow if it doesn't follow 'ETHICS'..... & so the people... I wonder everyone in that company are unethical or just that cheap sample whom I've faced... At times, a small sample can imply the whole body's nature...

Everyone can be Legal, but these kind of third grade companies can not be 'Ethical' and for sure, sometime it goes pathetically down if it doesn't follow ethics.

Here's the story - I was with one company when I entered USA. Everything was going good, but slow. That was the time when this brutal company came in and approached me with all the false and cheap (which I realized later) things and let me join them, leaving my company. I transfered my VISA and started working with them. That's what was the sickest decision I've ever made in my life. As an employer, one should help an enployee to over come the tough times they are facing. If can't help much, act professional. But no. This company sent me a termination letter immediately after getting to know that my current project is completed and I'm on bench, instead of holding me and placing me somewhere else. Not even a day notice period has been given to me where at least 15 days notice is required for an individual to work on that situation and look for alternatives.

I realized later that this cheapster company took me ONLY because I'd a job in hand even in that tough recession time and wanted to make money out of me.

Of course I'm in a good situation now with another great company, but just wondering why did I take such a cheap decision to join this company. Nevertheless, it was a lesson for me, a very great lesson. I would never take any steps without prior research and thinking.

This may sound stereotypic as it's my own individual experience and opinion about that
company. But I'm sure there will be many who have become victims with this company's traps.
With such people one can hardly do anything, except repenting for trusting them. They will be unethical as always, no matter what happens to an individual.

I haven't mentioned the company's name though, because I'm Ethical enough. But anyway, right people will definitely know whom I'm talking about, people who are victims of that company or might have affected in some or the other way. ;)

Finally, No big deal in being Legal. Being Ethincal is what one (as an individual or as an organization) has to be.

Be careful in taking any step regarding your career. These kind of cheapsters will come in between, diverting your minds. Mind you, All that glitters is not gold...

Wednesday, September 2, 2009

Team Work - Reflection

Just a forwarded email which grabbed my attention...

The picture may sound funny, but think of 'How True & Implied' it is when been being as part of a very 'good' team..... Team work does matter and it results in fruitful results - always.

Who wants to deny this fact? I believe no one can!!

Wednesday, August 19, 2009

Same Shit Different Day...

My Life... had been so tough starting from my childhood... Happiness wasn't good enough for me... I didn't even get what a child deserves... My search for affection & happiness started when I was 15 y/o. Been through many stages of life for quenching my thirst.. Those scary nights when I struggled to be with someone but had to be alone.... those solitary days, when I needed someone to lean on throwing out my sorrows but remained helpless... those speculative situations, which bewildered all my dreams I dreamt of about my life... uuffff... the list goes immeasurably unending...

Have seen more Ups and Downs, no stable life to make me feel worth to exist.. It's always the equilibrium between personal & professional lives which rules us. I've seen the best and the worse forms of both, made me stronger though, but at times makes me feel very disappointed thinking that I haven't known the meaning of my life yet, properly..

I've freed myself from all the rules & restrictions, lead my life in my own so far. I'm very happy in one way now. In an other perspective, still struggling to achieve something. Life, one though, yet lets us experience multiple phases - due to which some goes mentally stronger and some..... depressed... I'm happy that I'm not kind of pessimistic guy, but the phases I'm going through, in a cyclic fashion, makes me feel uncomfortable at times.

Very happy at an instance and immediately followed by surprises... That's why, when I'm happy, I won't be over excited and when I'm down, I won't be pessimistic either.... I just think for a while why it's happening, which gives me a hint on do's & don'ts related to my path way....

The phases of Life are cyclic, at least as per my experience so far. One has to be prepared to face 'em. The cycle of Life is just like a shit, which would be the same always, but on a different day

Cheers :-)

Someone defined Life as in the picture. How realistic. Ain't it?

Thursday, April 16, 2009

The "Monkey" Message ;)

Old Version :(

Present Generation :)

And Here comes the new one, please welcome :P

Bwahahahahaha :D :D

Ah yea! Pictures speak thousand words :P

Friday, April 3, 2009

Daydreaming vs. Nightmares!!

"Once upon a time, there lived a king........"

You might have heard sagas starting with this phrase. Yes, I used to, from my granny who is no more. They may be called as 'tales', 'sagas', 'myths' or whatever you call it as, feels good to listen before going asleep. Those were childhood years.

In my definition, 'Nightmares' - are those which we would have never expected to happen in our lives, but somehow they happen to happen ;) Or even bad dreams while being asleep are usually called as nightmares. And Day Dreams - are those which we dream of but there would be a high impossibility of them becoming true, can say almost impossible. We dream of something which would be a fantacy. We work hard to make that happen. Only afew can make it come true, but many of us still remain working on it to make it true or give it up at some point of time, after so many efforts.

Of course, to dream is ones' right. But work on it accordingly to make it happen rather just waiting for something to come true without putting any efforts. It would 'hurt' ourselves when we dream of something and will not work on it at all. Instead don't dream when you think you can not work on it - is what my point is.

Once upon a time, in early 1900's, going to US was like a Day Dream. As time pased by, the dream of going to US had started becoming true, at least for those who are professionals. And now, it may be the same situation as early 1900's to go to US due to many significant factors. It would be taking a day-dream form again. Vice versely, I've seen few people who got a chance to work in US through their company and feel that as a nightmare. This could be because of the attachment with their family/ home sick factor/ phobic to new culture or community/ or could be anything. They don't even think how that's gonna help build the power of ones' Resume. They just reject the offer and limit themselves to be in a closet. Why? Are they under confident? Or are they not willing to explore the world, people, (work) cultures... and they don't wanna come out of the closets which are like black-boxes?

Reasons may vary or could be many. And I know I don't have to comment on an individual's thoughts. Rather I'm not commenting but trying to explore what could be the reason(s) for not accepting such offers which can help one's self-development. If not settling down in as an alien in the new continent, can go and explore for few months. Am I correct?

My own experiences had proven my self development, in terms of communication, transparency in putting ideas/ thoughts (we also call it as open mindedness)/ technical knowledge growth and in so many significant aspects. To brief, I'd attained growth in both my personal and professional stuff. Small example when talking about SDLC, is the out-sourced job will have less chances of it's franrance where as in the base location, you may get a chance to explore and work on full SDLC criteria, which helps you to help yourself understand what's going on in a particular project or task, from the scratch till the end. I've known things which I haven't known in my whole life living in India. Our mentality is almost limited. Even I will be selfish in few things thinking of most negatives which could be the outcome of 'what if I do' than thinking of the positives out of it. I know that if I be optimistic in my thoughts, can let positives rule over all the negatives, if any. But still at times I be pessimistic - thinking of all the cons side of that particular thing. Why? Is it our mentality set by our environment? Can't we overcome such pessimistic thoughts? 'Only God can help me' is what I hate to think of. It's we who have to help ourselves. If not, take HELP from others who cares for you!!

I know you would now say - "preaching is very easy than implementing". Well it is sounds easy but implementing will also be easy when we have that 'willingness'. I'm not so great as my writing may imply. But at at least I've started thinking about it.

Finally, my idea is when we can not come out of the closet, we better stop dreaming of anything. And if we dream of anything, better move our lazy ass to work on it and try making it come true. If we can not, we might probably end up telling 'once upon a time.....' to our next generation, than telling 'em about present and future.

Any thoughts? Can feel free to deny mine if I'm wrong or to support me if I sound realistic!

~ Cheers!

NOTE: The picture used in this blog has been taken from web. I do not own it!!

Thursday, April 2, 2009

Discrimination Everywhere!

Since when I started knowing the 'world', I'd found discrimination everywhere, in almost all the aspects I'd gone through.

You might have had seen such things. I know a school where there were different uniforms for students depending on their 'religion'. That sounded ridiculous to me which was the first pathetic thing I've heard and felt bad about. They give their own reasons on 'why', but to us it's always sounds like a discrimination. So, I am sure, every one of you might have faced such things since when you even wouldn't have known what's the meaning of 'discrimination'. So, this was the start!!

As we grow up, might have seen many such people/ communities, creating riots and calling them 'aandolan' or whatever. We might also had behaved in such way with some or the other person(s). I accept that I was a racist, I didn't like Catholics, but that's when I was a kid. This mentality of mine had a reason - the so called environment where I'd grown up.

Truly - Environment/ Society will also be responsible for what we are currently, at times. And so - 'Parents'. We are (at least how I think) totally clones of our parents in terms of attitude (not talking about physical appearances and that stuff). If not completely, at least a bit of it rules in us - good or bad. I won't be surprised if I will the victim of such discrimination by people of society for writing this blog. The society is that 'thing' which may call 'Love' as the synonym of 'Lust' and lets us bound to believe it as a fact. But are you gonna be the one who will be part of that so called society which doesn't know what is what? I would NEVER!!

And that's how we grow up, carrying the essence of attitude with us. We will never know cons of ones self unless heard from a friend or a foe. We usually grow up in such a way that we always seeks either others to praise us or be self-proclaiming. But nevertheless, we will realize at some point of time and try to attain/ retain what we lost/ gonna lose. We learn from mistakes. And try not to repeat the same mistake. We reach a stage where we think we are totally matured. But there will be something is us which still lets others think we are immature/ foolish.

I can talk about one issue (which we think it is, but actually not - at least to me) as well. We discriminate Gays/ Lesbians - Why? We take it funny/ kinky when we hear that 'he' slept with 100 women and forget it later. But when we come to know that some 'he' slept with a guy (had to use this language, pls excuse me if it's offensive), we start saying - oh crap, unnatural, sin and what not? Do/ does they bother you in any ways? Do they force/ insist 'You' to have sexual stuff with them? Why only 'unnatural sex' hits our mind-sets when we talk about Gay/ Lesbians? Can't there be much more beyond just that what we call as 'insanity'? Is that really insanity? They live their own lives and don't interfere in our lives intentionally, then why not let them live in peace? Why to worry ourselves or to annoy them when they are gonna be responsible for their own lives without disturbing us (others)?

Well, I myself am very neural towards them - no hatred/ no harsh feelings. What I feel is it's their lives and they are happy with it on a mutual understanding. It's not gonna harm me anyways if they are my friends or whatsoever, because I know what I'm and I know what I need. Simple!! But I've heard myself from my own friends itself commenting on them very funnily even though they didn't even exchange a single word with those friends of mine. They just pass by on street and that's it. I can't argue with such people who had already decided something and don't wanna come out of the closet , because I know they obviously will deny my thoughts about it. So, I keep calm without commenting anything and giving a grin.

Not only this sexuality stuff, we discriminate others in so many things. If we live in USA and if we are with our own community (such as Telugu/ Gujarati etc etc), we will be least bothered about people who are not belonging to that community which we call our 'own'. And when we don't have such community around us, we become part of that community of people whom we would have defined as 'others' if we wouldn't have been deserted.. Lol....

Not only these, there is Age Discrimination, Race Discrimination ................. omg.. what not!!

Not sure why such things happens with 'us'. Why we have multiple forms of behaviors (or should I call 'Attitudes'?) depending upon the situations? Hmmmm....

Discrimination, Racism and what not we develop in ourselves w/ or w/ no intentions. We become ignorant and claim as if we are innocent. Why?

I hope you got what I'm trying to convey you. Well I don't say I'm a 'proper' human being. I've discriminated few people too. I have some weaknesses which I always can work on, rather working on.

Please let me know your thoughts about 'my' thoughts and put your thoughts - no matter what thoughts they are gonna be.

~ Cheers...

Note: The picture used has been taken from web. I do not own it!!

Monday, March 30, 2009

Poetry by my Chweet Kid :)

I don't wanna lose it and hence in this blog :)

Oh BTW, I'm still 'Trying' to 'Understand' it :)

Waited did I..
For the cloud to rain…
The drops dat I expectd to reach me..!!!
Me n me n me…..
Asked nothing but dis ..
And wished it 2 b my destiny.
Loved those drops, which were dews of my dreams !
Taken are they, from me, oceans away….
So far dat my destiny tot dat I cudnt reach!
And I cudnt as it desired.
But my feelings did!
Now I felt dat it was me who won!!!!!
But the destiny’s sarcastic laughter, for this remained a mystery.
Envied was I about the dreams I dreamt,
And filled them with the colours I love,
Went bibulous with happiness which took me high,
But the mystery remained unsolved.
The betrayal of destiny,
Turned everything to a turmoil.
Was deserted with nothing left…
Wen death is 2 be the destiny
Then y r there options in life?
GOD!!! Y betrayed me I every possible way
and now is the time to help,
if not now then its never…
then if its never,
then the reason 4 u 2 exist remains a riddle unsolved.
Waited 4 u wen perplexed ,
Waited 4 u wen devastated,
Waited 4 u wen was in real need of u…
Waited for u wen I trusted your arrival cud rescue from the darkest swirls,
Which neither the nether land could have had!!!
For you being the reason who designed my destiny SO…
Prayed u ever since I tot u wud help! As u know…!!
ALL I want in LIFE…
The 1 treated to b the supreme soul!
Who’s believed to grant wishes 1 desires in life
Believed to adore them wen orphaned,
Believed to feel 1s feel b4 the self cud do!
Belived to fill life between birth and death!
And cant believe dat ‘U’,
Cudnot provide the life I deserve..
The life I wished to have..
The life which is in no way wrong, me possessing!
Oh! God!
I forgive U..
Though I have punished for the mistakes u hav committed!!!
I forgive you
For the negligence of urs…!
I forgive you
for whatever u hav done 2 me so far……
oh! God !
I still hav hopes that u regret 4 wat u hav done..
To those who trusted u…
Now salvation is all I want!
If not this u can provide…
Then do not call urself a god!!!
And if u do …., u do not have that mercy, love, divinity, pious,
Wat people think u r in the form of those..
If not anything be a part of my life as death!!!
As u always wud love to..
Be bibulous with the blood of mine!
Snatching away my colors of dream…
Proving to b how imbecile u r….
N which u r……………..

Sunday, March 29, 2009

Life - Your Choice/ Parents' ?

Hey Folks,

Just another thought which is haunting me since ages. I Know we should be so thankful to our parents for giving us this Life.. and we should be responsible in taking care of them...

But, what about the dreams of our lives? May it be whatever - career or anything. We just have one Life and if we don't fulfill our dreams, what's the use of this life? Not every time compromises makes sense....

One of their main concern being our marriage, where we are not mentally prepared for taking those responsibilities. We wanna lead our lives without hurting them... Lotsa pressures, emotional blackmail to get married (of course they think something good for us)... It's been 3 years I'm escaping and 'one of the reasons' I left India is the same...

My question is, how many of you faced/ facing the same situation? How would you be handling the situation, without hurting them...?

After all, "Emotional Blackmail" will not solve our Problems at all!!

Any thoughts/ similar experiences? Appreciate your time!!!

~ Cheers

Note: The picture used has been taken from web. I do not own it!!

The Heights of "Filtration" Process


You might be knowing that these days how the new govt. is behaving so aggressive w.r.t H1's/ Aliens. This is just to give you an example.

Before telling anything, lemme introduce a bit about me. I'm an IT professional, on H1, working in USA. I'd to approach one of the departments in USA. In the application I've stated JCL is one of the stuff I've experience on. And I've been asked the below question:

Why do I need a Bachelor's Degree to perform my work on JCL??

Ain't it too funny??? Initially I didn't know what to answer to this, seriously (can you?). But one person helped me to answer this. It's not that I didn't know this, but you know, these kind of questions makes the mind blank :P

Come on, I am a computer programmer and it is just not about writing/modifying JCL's. I write, test, and maintain the detailed instructions, called programs, that computers follow to perform their functions. Programmers also conceive, design, and test logical structures for solving problems by computer.

Coming to "why I need a bachelors degree" - University teaches us things above and beyond how to write code. Communication, teamwork, Problem solving and problem reduction skills and project management are some of the things I happen to learn at university. Getting a university degree in any subject is not easy and needs dedication. I have the ambition and drive to get the job done. Typically, the ability to finish any sort of degree says a lot about the person.

A 1998 study conducted by University Institute of Labor and Industrial Relations, and Michigan Future, Inc. found that "After researchers selected 88 fields which have median annual full-time earning of at least $30,000, 47 fields were found to not specifically call for a four-year degree." They found that jobs like millwrights and electrical equipment repairers were two of the highest paying non-degreed jobs, but that jobs like this do require some kind of additional training. Computer programming happens to be a field which requires a bachelor degree.

Why can't they just think in a broader way?? Any one of you faced such thing yet? Please share your experiences..

Note: The Picture attached has been taken from web. I do not own it!

Friday, March 27, 2009

So called "Credit History/Rating" in USA !

Halo Folks!! Just outta frustration (yea, it is :P )

~ Everyone should have a credit history (good credit rating though) with out which one can not rent a house/ take a loan/ apply for a credit card or whatsoever.

~ To build the credit history, you should have a credit card(s) or mortgage(s) or loan(s).
~~ But again, to get the credit card(s)/ mortgage(s)/ loan(s), one should have atleast a fair credit rating.

--> Interrelated huh!! How the hell an 'alien' would suffer to get a credit card who won't have a credit history and when he/she needs to build his/her credit history, a credit card is needed which he/she won't get unless they have a credit history.


~ If you have a low/ no rating, you might end up not getting any credits or getting a low limit stuff with a higher interest rates.
~~ Again, having a low limit stuff is a loophole which have high chances of getting a low rating. Low rating means a MORON sitting on your forehead which we call as FATE!! :P


~ I really did not/ can not understand this concept of credit history. If one have to build a credit history, at least for the first time he applies for a card, it should be approved. But a big NO comes in to picture. Then how the hell he/she will build the history?

~ Oh yea, one more thing - if you try applying for credit cards multiple times and as and when they gets rejected, your credit score will be affected - it will go down to BAD!!! WTF!!!

~ One can not try applying for a card to build history, one should not do anything with out a credit history, even can not apply for it too. And when applied, it will obviously gets rejected and the credit score will become bad!!

~ Bad rating doesn't mean you are a defaulter or such kind. It has many things involved in the back ground. For ex: an Alien (non resident of US) who comes to US newly won't have a credit history at all.

--> I know this is a very good system to take control over defaulters. But my question is regarding ALIENS who are coming to USA for living. At least in their case, the Govt. should loosen these policies until they get their first credit card!!

~ For citizens/ for them who are living here since significantly long time, this won't be an issue. But new comers, OMG!! It's gonna be a NIGHTMARE!!

~ Oh yea, one more thing :P After so many trials, when you get a card with a low limit and here are the rules:a) You can not use it for more than 50% of the limit. Well you can, but when used your rating will be lowered.. bwahahahahab) Thing is when you have a high limit, you won't use more than 50% of it. But when you have a low limit (for say $500), you will use it somehow and it affects your rating.


~ This is a BIG MYSTERY for me to understand this concept!! No matter howmuchever you try to get your rating good, it somehow goes down.

~ Finally, another 'confused' conclusion - for a good rating and low interest rates' credit cards, you should have a good rating. ~~ OK... so for good rating we need to have a credit cards (preperably with high limits). So, HTF will I get one!!!!!!

~ Disgusting criteria, at least for me! Just by thinking about it, my nerves get over heated :P:P

That's why I stopped thinking about it... bwahahahaha... I am mad.. oh sorry, I became mad :P now it's OK. I've at least stopped thinking about it... hehahahahahahahaha!!!!!!!!!

Let me know if you had been successful in at least 'understanding' this concept :P

NOTE: The picture used has been taken from the web. I do not own it.