According to wikipedia, Bottom of the Pyramid is the largest, but poorest socio-economic group. According to Marketer, Bottom of the Pyramid is the only key to success. The enabler for this thought process is Economic Recession. Bottom of the Pyramid is one of most favorite topic for Corporates, Business Newspapers or Business Magazines. In my opinion, except FMCG companies no other industry has cracked this domain. FMCG companies are riding on the depth of their distribution channel to succeed. Typically, the Marketer job is to show top line growth (Gross Revenue) and they are not ... Read More
5 Points to Consider While Buying Insurance Policy
We Indians buy Insurance Policy not for financial security but for investment purpose. This defeats the whole objective behind Insurance Policy. Not only buyer but seller is also responsible for this mis-selling. In past I wrote article highlighting, how mis-selling is rampant in Financial Sector (To read click here Beware of Relationship Manager / Personal Banker). We have to keep in mind that we are responsible for our investment/financial decisions. The Relationship Manager who is selling the Insurance Policy has vested interest behind the same. Before making any decision to buy Insurance ... Read More
Digital Marketing – The Future of Marketing
World is very fast converting into a virtual space. Recently I read an article that few MNC’s have increased their marketing spends on Digital Marketing & Toyota is one of them. One thing i love about MNC’s is that they pick future trends very fast and act on same before Indian companies realize what happened. Now you must be wondering why Digital Marketing will succeed in India…Let’s understand We have seen transformation from License Raj to Highly competitive markets of today. Indian economy collapsed in 1991 predominantly due to License Raj then we realized that opening up the markets ... Read More
Why You Should Not Invest In Post Office Savings Schemes
Post Office Savings Schemes are very popular in small towns though these schemes have lost relevance in big cities. I remember “National Savings Certificate” popularly known as NSC was most preferred investment avenue for my parent’s generation. During those days not many financial instruments were available for investment cum Tax Savings. Secondly, the biggest plus point for Post office Savings Schemes is trust factor because of Govt of India backing. Despite have some of the Best Financial Products in the portfolio, it is not recommended to invest in Post Office Savings Schemes…Let’s find ... Read More
7 Ways to Avoid Debt Trap
The 2 Biggest Traps of Life are Marriage and Debt Trap :) Debt Trap is like a Chakravyuh, Its easy to enter but impossible to get out like Abhimanyu. Improper Financial Planning is responsible for falling into debt trap. There are few tips on how to avoid Debt Trap. 1. Avoid too Many Loans: As a thumb rule, EMI of all loans availed should not exceed 45% of take Home Salary / Net Income per month. If it exceeds this limit then we are inviting trouble for ourselves. If majority of loan portfolio comprises of unsecured loans like Car Loan, Personal Loan etc then it shows credit Hungary behavior ... Read More
Impact of Budget on Real Estate
The Budget 2013 is very disappointing for real estate sector. There will be negative impact of budget on real estate. Though Real Estate is in bad shape as of now and was expecting much more from Budget 2013 but there is no effort from FM to revive and boost the sector. I am listing down impact of Budget on Real Estate sector. 1. TDS @ 1% on all Property transactions above 50 Lacs: This proposal was made in last year's budget also but later rolled back due to strong opposition. The objective behind this proposal is to stop circulation of black money in property transactions. Half of the ... Read More
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