Is a car a Luxary or a Necessity ? Are credit cards Life Savers or Life Takers ? Would you be looked down on if you go for a movie at a multiplex and take your snack box  or should you pay premium for Popcorn to look cool ? Is working in call centers breaking the family structure or does it give you the independance ? Do EMI's and house loans make the dream closer or do they prepare you for nightmares ?