A general review blog, where you can get the author's extremely and erringly human take on anything that he has come by, experienced or more... to use it or not, of course, is left to individual taste and discretion! But anyway, do leave a comment behind!
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Monday, February 20, 2012
NITYA SAGAR RESTUARANT, Regal Jn: Good Food gets No Cheaper hereabouts!
Sunday, February 19, 2012
Johnson's Shampoo: ADULT-Rated Use of Baby Stuff - Try It 2 Believe!

TRAVEL PLUS Mag: The 4th Best Thing to Do with 75 Rupees!

PS: The edition mentioned dated back about 5 years, but the impressions and views remain the same even today!
Blood Donation: Create a Blood Relative - Quick 'n' Easy Guide !!


The Way We Do It: ICUs see folks brought in – horizontally, vertically or some other ‘ally’, but hardly would they have opened doors to a smiling young man (with ‘patient’ neither an apparent status nor a major trait in him) in T-shirt and colourful shorts walking..rather, sauntering in, with a ‘gait’ spelled as ‘gaeity’! I could even select my own bed – one with a view! Some humour, small talk and fiddling-with-recline-controls-of-the-bed later, we settled down to business. Rather, I settled down, to let them conduct business, but not before analysing my prostrate & actually-Intensively-Cared-For ICU-mates! One, an oldie with not much of Pathology left out of his case sheet, another with more bypasses than arteries flanking his sanctum sanctorum (that’s medical for heart!), a 3rd unable to make out differences in body fluids lost, by colour or any other attribute and with 2 tubes going up from his body (not without reminding me of Catch 22) and the 4th, a poor sod who had a certain coloured brew and rode a bike (that’s bad in itself, but hold on..) onto an electric pole he believed was a short cut from MG Rd to his first floor bedroom. Now, if you think I’m sadistic or comic, it’s ok. Just couldn’t figure out another way to have you read so far without logging off, cos, this past is vital for the future I’m to describe.
Pumpin’ The Reds {pron. TransFusion, like the kind that finally happens in hippie-druggie-drinkie-lots morie rave parties): It was a quickie I’d with the nurse! The petite bird cutely painting spirit on a male arm, poking a quick needle (more pain on her face than I felt), taping the gizmo in place and connecting up the umbilicals to the Red once-frozen-now-thawed pack above. In 20 sec, this Comradely fluid was making its way down, into more familiar abodes of human vein.
Now What?: When blood is transfused, generally, the receiver (no, not the ‘phone’y one) is unaware/groggy. Here was one with 3.5 hrs to go, with just tubes, near-human forms and a recliner-control for exclusive company. I discovered the addiction of staring at a fluid dripping (would Newton have become famous, if it were a drop rather than apple?) at a steady rate! Then I studied the full wine-redness of its colous (of drop, not Newtonian head) and brushed up basics of viscosity, which makes a drop a drop, leaving home.
http://www.youandaids.org/About%20HIVAIDS/Blood%20Safety/index.asp
Mel Gibson & Me, in The Attic @ God's Own Country :)

Credit Cards - Any Day, but for Free!
Time was when people looked at Credit Cards with the same expression as they would trading on the stock market – a path bound towards doom. But despite a huge credit card base, even today, many apply for, obtain & use credit cards with scarcely any knowledge of its inherent advantages & disadvantages. This review is aimed at those in the above genre, so that, like Robert Kiyosaki (of Rich Dad, Poor Dad fame) would say, they can “Make Credit Cards work for them". If that grips you, read on. If not, you have already cleared the level where you need this information!
Let us start by understanding that Credit cards are a money-earner for all banks. They are in it for their profits, not your convenience, as they would like you to believe, courtesy their advts. But, you can make it a thing of convenience!
Usage and Payments: Crux is, when you pay by CC, you get to keep that amount of money in your account for a longer period. You need to pay back your dues within the last date specified in your credit statement. Now, this is where the Bank makes its money. Say, your due is Rs. 10K on your bill for 21 May – 20 Jun. The Bank gives you an option to pay a minimum amount, say, Rs. 500. You take that bait, and you join the list of card holders at the bank’s mercy! The Bank charges you a hefty rate (upto 2.5% or so) on the balance unpaid amount, right upto the time you repay the whole dues. That’s called rotation, where you end up rotating in the end!
If you pay using CC all your compulsory expenses, which you would anyway have paid in cash, in that month. The Bank sends you the statement by snail or e-mail. If you are the procrastinating variety, you wait for the last date of payment before depositing a crossed cheque in the nearest drop-box of the Bank. If you miss the date, again, you are charged a late payment fees. Now, this is another tricky situation. All these fees like late payment, interest etc are charged a further ‘tax on fees’, which amounts to about 12% or so, as per Govt rules.
So, how do you meet the deadline, pay only on the last date & not get charged for more than your spend? And, maybe, get some gifts in the bargain? Its simple, really! Make out a crossed cheque the day you receive your statement, date it for the last date of payment indicated, and drop it in the box! Let the Bank hold your post-dated cheque & wait for the last date. That’s what they are paid for!! Mind you, be sure to have sufficient funds in your account & not get into cheque-bouncing games, ‘cos thats a costly bargain these days, in case you didn’t know!
I’ll give you a spreadsheet of features & You can do the comparison. However, in order not to breach protocol, I shall surely suggest my recommendation!
First, the opening charges. Answer is, just don’t pay. Logic: At almost every petrol pump, you will be flooded with CC promoters, who give you everything free (even if they aren’t authorized to, often!). So why pick something which fleeces you even before you start off with them?!!
Next, annual charges. Again, you don’t need to pay. Logic: “If I take a new card Im not charged for the 1st year. So why should I, as a good old customer of your bank, be asked to pay in my second year? I’d rather take a new CC from someone else” Or, better still, “If there are other banks who provide good service and still don’t charge annually, why should I pay up?”. Chances are, you will still have the same card the next year, but be 350 to 1500 bucks richer by virtue of your 2 sentences! Now, the credit period. This is the period which you get, to pay back all your outstanding balances. This varies from 45-57 days. The longer the better. Customer Service too is vital in. Call the helpline numbers and check out responses. If they arent quick & eager with new customers, guess their response with existing ones!
Reward Points, wow! Look at it this way. You shop. The seller lets you pay after 55 days& only the exact amount, no interest. He gives you a gift worth Rs 2 on every 100 you spend.You don’t need to be a rocket scientist to figure out you’d be there every time you could. That’s exactly what you get, with a good CC. In my 7 yrs of being a CC holder, I am yet to pay any taxes, fees or interests. I spent only what I would otherwise, and paid up in full, everytime. Guess what the Banks did for me? They hiked my Credit Limit from a measly 25k in 99 to a comfy 1.5 L in 06. I swear, I never needed more than 30K for any billing cycle, this too having been during a wedding shopping spree, where someone paid me cash and I got the rewards. The banks ended up giving me useful gifts worth about Rs. 10K, till date. I redeem online, from their catalogues, and it gets delivered home free, in 2 weeks. Could you ask for more? Well…Yes!! Co-Branded cards are when your bank partners an airline, fuel company or a combination. eg: ICICI-HPCL card lets you tank up at HP, charges you only your spend sans taxes, gives you double reward points for that buy and, hooray, pays you 2.5% of your fuel bill back, every single month!Conclusion is, Credit Cards can only be a boon, and a big one at that. Personally, I am hooked on ICICI-HPCL Gold, since 7 years, and don’t think I’ll now part.
IMINT/ Payback: You may have heard or seen these, in relation to Credit cards. These companies do management of the redeemable points, and have tie-ups with multiple firms/outlets, where you can use the accumulated points to pay for purchases. You can also redeem the points online at partner sites. Don't believe? I have just redeemed my 3-years' accumulation and have got fuel vouchers for Rs 2500! Meaning, I have paid for everything by Credit card for 3 years, paid the dues after a 45-day 'free' period, and then, for that, they gave me 2.5K worth of free fuel! Wow, could it get better?! ICICI Cards had a tie up with IMINT, which has now been changed over to Payback. (Mrs Fanny Chakravarti, does that dispel some doubts? :))
Go Ahead, Happy Spending, at Bank’s expense!!
Doing it along, and still, Lovin' It! But Yes, with a partner is more enjoyable! :)
SHANTARAM: Arrey, YEH GORA SAAALA Marathi Bolta Hai !!
