Wednesday, 11 November 2015



Credit Card Ke Side Effects!, Let's understand this better

How did you make the payment for your shopping bills lately? I think credit card! Right, as they are usually more convenient to use than cash. Well, if used sensibly, credit cards can be an important financial instrument. There are several psychological reasons which prove that the use of credit cards can be hazardous to your financial health and one of the biggest issues being "overspending". Let's understand this better:

Use of credit cards stimulates overspending
We tend to spend more while paying with credit cards than cash. It also arouses a desire which ultimately compels us to go beyond our means. With the power of credit cards and the EMI culture, each one of us can buy helicopters also! Sounds funny, but it's very simple. All you need to pay is Rs.6,667 per month for the next 200 years.

Now one may laugh at this, but if you delve further, you will realise that the use of credit cards has literally removed the difference between 'Buying' and 'Affordability'. It has made us believe that we cannot only buy, but we can afford each and everything that is available on earth. This phenomenon has extended to all the products we buy like mobile, car, TV, camera and even apparel!

Pleasure of buying v/s Pain of paying
Whenever and whatever you buy, there will always be a pain and that is called the pain of 'paying', especially while making payments with cash. Parting with cash causes great pain inspite of the pleasure of owning your desired object. And what is a better way out than using a credit card to avoid this pain? The use of credit cards delays the payment and ultimately the pain of paying.

Benefits vs Costs
You pay more attention to the benefits of a product while paying through credit cards and focus more on the costs associated with the product while paying cash. Credit cards prompt you to purchase things you really don't need and way beyond your budget. It makes you lose control over your spending too. Retailers surely know these very well and therefore use various tactics to stimulate your pleasure points and desperately want you to use your credit cards. This enables a shift in focus towards the benefits than the cost.

So, what should you do?

Start making payments in cash or use a debit card if at all using plastic money is a necessity. Debit card would bring more alertness than using credit cards as the money is coming from your account balance only. If using a credit card is a must, then be alert about the price of the product and other factors as discussed and set aside cash immediately. It would stop you from spending money that you don't have.

And always remember the fact that it doesn't matter how much you earn if you spend it all!

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Re: [] DRIVING IN THE RAIN..............


Dear all,


Regarding the use of sunglasses in a cloudy day / rainy day, please note that 'all models' will not give the best efficiency.  The most recommended glasses would be the POLAROID Sunglasses, which is excellent for driving on a rainy day.  I use that on rainy days and it is a 'different world' when you look through when it is cloudy and misty.  It will give you a clear vision and I would recommend all who can afford it, to use it on rainy days.


These glasses are available in major optical shops and facilities are displayed to test the effects of polarization in the optical shop itself.  Do not buy the glasses without testing, since all glasses looks similar otherwise.


If anyone needs more information on Polaroid glasses and its effects, there are lots of sites on internet, but the following site give a good description:


A clear vision can make driving safer.



On Wed, Nov 11, 2015 at 7:03 PM, vipin pandya [Keralites] <> wrote:


How to achieve good vision while driving during a heavy downpour. 

We are not sure why it is so effective; just try this method when it rains heavily. This method was given me by a Police friend who had experienced and confirmed it. 

It is useful....even driving at night. One method used by Canadian Military Drivers for years.

Most of the motorists would turn on HIGH or FASTEST SPEED of the wipers during heavy downpour, yet the visibility in front of the windshield is still bad...... 

 In the event you face such a situation, just try your SUN GLASSES (any model will do), and miracle! All of a sudden, your visibility in front of your windshield is perfectly clear, as if there is no rain. 

Make sure you always have a pair of SUN GLASSES in your car, as you are not only helping yourself to drive safely with good vision, but also might save your friend's life by giving him this idea.. 

Try it yourself and share it with your friends! Amazing, you still see the drops on the windshield, but not the sheet of rain falling.

You can see where the rain bounces off the road. It works to eliminate the "blindness" from passing semi's spraying you too. 

Or the "kickup" if you are following a semi or car in the rain.  They ought to teach that little tip in driver's training. It really does work.. 

This next warning is a another good one! I wonder how many people know about this: 

A 36 year old female had an accident several weeks ago and totaled her car. It was raining, though not excessively, when her car suddenly began to hydro-plane and literally flew through the air.. She was not seriously injured but very stunned at the sudden occurrence!

When she explained to the officer what had happened, he told her something that every driver should know - NEVER DRIVE IN THE RAIN WITH YOUR CRUISE CONTROL ON .
She thought she was being cautious by setting the cruise control and maintaining a safe consistent speed in the rain. But the
 officer told her that if the cruise
control is on when your car begins to hydro-plane and your tires lose contact with the pavement, your car will accelerate to a higher rate of speed making you take off like an airplane. She told the
 officer that was exactly what had

The officer said this warning should be
listed, on the driver's seat sun-visor - NEVER USE THE CRUISE CONTROL WHEN THE PAVEMENT IS WET OR ICY, 
along with the airbag warning. We tell our teenagers to set the cruise control and drive a safe speed - but we don't tell them to use the cruise control only when the pavement is dry.

The only person the accident victim found, who knew this (besides the officer), was a man who had a similar accident, totaled his car and sustained severe injuries.

NOTE: Some vehicles (like the Toyota Sienna Limited XLE) will not allow you to set the cruise control when the windshield wipers are on. If you send this to 15 people and only one of them doesn't know about this, then it was all worth it.. You might have saved a life.

Best Regards
Thomas M. Jayabhai


Posted by: Thomas Jayabhai <>
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