These kinds of moments used to wake my devil up, telling me to have a girlfriend from the hostel. But then the other half of him ( a man with rings above his head) a.k.a “Angel” used to tell me, that my pocket money doesn’t allow me with this entertainment. I’ve heard (though never actually seen) that there were even some spare corners of the college campus that were lover points where they used to have their mini sex…Anyways, I had my girlfriend who was digging up my wallet and eating up my money, so didn’t have spare amount for cheeks. That girlfriend was Royal Enfield bike that I had. I used to roam around with friends on it; AND THAT’S IT…. Was literally leading up to celibacy and frustration was leading towards its peak every time I was going near that badminton court.It was 16th Sept, one of the loser friend’s birthday who used to ride my GF a.k.a Royal Enfield. 2 good part of the birthday party was: it was suppose to have many of his female friends and it was A BOOZE PARTY.. "Many, many years ago, when your mother and I bought our first house we not only had to have a really good credit standing, we also had to pass a kind of test. At that time, the 'rule of thumb' was a person should not buy a house that cost more than two and a half times their annual salary. Loaning only to people who had a good credit history or having someone who had a really good credit history co-sign the loan plus being sure the people who were buying the house fell within that two and a half times annual salary test, basically insured the banks would not lose money through people defaulting on their loans. Being almost guaranteed they wouldn't lose money gave them the confidence they needed to continue to loan money." Okay Dad, I can see that but how does that relate to what we have going on today?" Son, the answer to that question goes back to the credit card thing we just talked about. Somewhere in the latter part of the last century, the people who ran the banks when I was.
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