A Place We Adopt

I share this post from the past in response to this week's prompt for Friday Writings #235: Water Water Everywhere

A strange question it may appear... but let me ask it anyway.

Have you ever adopted a tiny part of this universe—or, to be more realistic, a particular place in the city where you live—as your own? I guess, knowingly or unknowingly, everyone has a special place like this at some point in life.

As children, these spaces are very pronounced and visible to all. It may be the unused corner of a room where one takes refuge after being scolded, or the shade of a tree in the garden where one rushes after finishing homework. The list is endless. As we grow older, these places become divided into different spaces for different moments. Some are public and formal, while others remain deeply private and personal.

There are many such places. They may be the café where friends meet, a quiet corner shared with someone special, or simply a spot where one goes to sit and reflect.

The last one is what I was referring to at the beginning. Physically, you may not own that particular place. It may not even be public property. Yet, in some quiet way, you can still adopt it spiritually.

The attached images are of my piece of sea and beach that I had adopted while I lived in Kuwait. It is a tiny stretch along the Gulf Road corniche where we used to go for walks and jogs. I had adopted that little piece of sea, along with its tiny beach, as my own. Sometimes it would disappear completely beneath the water; at other times it would reveal its glistening sandy shore. Oddly enough, I used to feel disappointed whenever someone else occupied my little place.

This is where I would go from time to time and sit on the fence with my legs hanging over the water, reflecting on life... the present... the future... and sometimes the past... 

Giving credit where it is due

How does one define the Credit Cards? Are they the basic necessity of life or a necessary evil or do you call it an ally who have the potential to ruin your life if let loose! The card companies are very aggressive in promoting their products and it is true that these companies are striving to enhance their services to further promote customer satisfaction. To entice customers, banks have introduced cards that boast a wide range of benefits.

Benefits

There are a wide variety of benefits starting with introductory gifts and following that up with offers of the like of cash-back, Air miles, free holidays. As you can take your pick of the offers, it means you can make the most of your credit cards and if you do your research well it will definitely be to your credit.

Cash Back Credit Card is the perfect solution for those who need a little more savings to stretch their monthly budgets. Cash Back Cardholders get a fixed portion of their daily expenses refunded in the form of hard cash. While most cash back cards usually offer cash back benefits on transaction made at select retailers or based on spending slabs, the card that I use offers flat 5% cash back for all purchases.

Loyalty cards

Loyalty card schemes are increasing in popularity. Super markets, bookshops, hotel, shopping centers and even spas are offering incentives to keep customers visiting then regularly. Research says that loyalty cards can influence customers spending decisions. These programs see high returns and works as a clever marketing tool that is beneficial to both parties. We feed sad that we could not redeem our last set of incentive points of our supermarket loyalty card in Dubai.

Avoid Debts

The principle prerequisite of using a card is to avoid the debt trap. To get it right one need to follow some fundamental rules. Here are a few from the experts:

•  Stick with one card (It is difficult and I myself have quite a few)
• Learn the difference between ’need’ and ‘want’ for each purchase you consider making.
• Charge your card only that much which you can pay off in full each month. Never carry a balance. Do not max out your cards or charge up to the limit, even if you intend to pay off the balance in full at the end of the month.
• Ignore additional credit card offers.

 Safety matters

 One has to take extreme measures to secure the cards so that these are not misplaced or stolen. Follow these simple tips to keep your credit card safe.

• Ensure cards are stored safely
• Keep sight of the card at all times – don’t let a merchant swipe it through multiple readers or keep it to run up a tab
• Never disclose your pin to anyone
• Encourage the use of new, more secure technologies whenever you shop, if they don’t use it already.

The morning after

What to do if your credit card is used fraudulently. The following procedure could be very useful as advised by the expert.

• Notify the bank immediately to cancel your card
• Keep the card in your possession so you can show your bank you still have it, in case the transaction was made elsewhere.
• Remember you last transaction so you can identify all fraudulent use.
• Complete a dispute form or follow your bank’s procedure to confirm you did not make the fraudulent transactions. 

Your bank will then instigate an investigation.

Islamic Credit cards

Banks in the Middle East are looking at Islamic credit cards as a sector with potential for huge growth. While they operate in a similar way to conventional credit cards but these niche products are governed by Shariah law which requires them to be interest-free. Following this principle most of these products are based on Shariah complaint interest-free Üjrah” concept whereby only a fixed monthly maintenance fee is charged against the outstanding balance.

A few interesting fact about Credit cards:

• While the Credit Cards are made of plastic these days the first t credit cards were made of metal.
• The first bank credit card “Charge It” was invented by John Biggins in 1946.
• The first Credit card company was Diner’s Club and it was founded in 1950 by 3 individuals: Frank Mc Namara, Bloomingdale and Sneider.
• The American Express Company was formed from the merger of 3 express transport companies in the USA.
• In 1958 American Express issued its first credit card to coincide with its 108th anniversary.
• The original name of the now popular VISA card was “Bank Americard” and it was issued by Bank of America.
• The original name of “Master card” was “Master Charge Card”.