New Orleans

I am from India and the greeting information is totally wrong, Raam raam is never used whilie peicking up a phone, never. Each call I made in my life till now, its nothing except "Hello" or "kya haal hai (how are you)" and also it is never "Alvidha", what is it? 1980's? Its usually "Ok,Bye" or "Theek hai,bye…

The info about India is complete bullshit. "Ram" is the name of a god, so only Hindus would greet other like this. Except, in the 1950s maybe. And in a remote village maybe.

"I felt lucky enough just to have a job. Actually, I still feel that way." There goes your raise.

It is simple.. I earn, my wife spends.

Quick answers: 1. Probably not, and specially not in the way you are thinking of doing it. 2. Success stories usually tells you a very small part of the original story, and they are the exception - not the rule. How much money, effort, and flexibility you have?

1) As far as your insurance company is concerned, your driving record is not tied to where you live.