Thank you all for your inputs!! 
homlal, reading your post i felt like i was listening to some Lama, or gurus.. i am always been the way you said and maybe, due to that reason, i have been very lucky in most cases... 
and
@bittertruth, thanks for for valuable suggestion.. definitely what you said is the most practical thing.. which i have experienced myself.. though it is a bitter truth.. but ya that's how people deal today..