Saturday, July 18, 2009

The dangerous numbers myth

population-six-billion-1.jpg
There’s an old saw
about a little knowledge
being a dangerous thing,
and
a perennial illustration is the way
so many have learnt to think of more humans as a problem.

 The health secretary of Karnataka
 the other day,
as our staffer reported,
declaimed the official national philosophy that
‘most of our resources will get exhausted
if the population continues to increase the same way’,
adding, for good measure, that
‘parents who want to have more than
two children should be put behind bars’.
INDIA%20umbrellas.jpg
Children are supposed to be
an expression of love and hope;
 to talk of jailing people
who think like this is an odd sense of values.
But
suppose the defence is that
he’s saying something unpalatable,
but
necessary.

Examine the facts
on the correlation between
 population density and development.

Kerala
has 820 people per sq km;

Rajasthan
has 120.
overloaded_train_hanging_india.jpg
Shouldn’t the latter be well ahead of the former?
Or,
shouldn’t
Jaisalmer district
 in Rajasthan,
with nine persons per sq km,
be well ahead of the rest of the state?

Just how did
Hong Kong,
 with 6,500 per sq km,
 or
Singapore
with 6,800,

get to the top of the income table,
 when India’s average is 350?

The point is that a human doesn’t
 only come with a mouth and a stomach,
he/she also come with a pair of hands and legs to work,
 and something remarkable called the brain.

 Countries
 that get to the top invest
 in people and in the infrastructure
to enable productive work.

Sensible countries encourage immigration,
instead of worrying about the effects on resources;
it not only has a direct correlation with economic growth
of the sustained variety,
but
 also leads to a multiplication of those very resources.

Not natural resources,
 did you say?
Check out the work of the late Julian Simon,
who made a career of debunking the population myth;
for instance,
 the story of the bets he placed
with various academics on the long-term prices
 of scarce natural resources and the outcome.

Population growth
itself follows a natural trajectory;
 advanced countries have for decades
 been adding incentives to women to have more children,
but
 there still aren’t.

Remove the worries on
health, education and jobs,
 and
the supposed population ‘problem’ will solve itself.
And,
meanwhile,
for a responsible policymaker to speak
of jailing people for loving,
and wanting children, is criminal.
education-for-all.jpg
Sriram Savarkar ©
Hinduism is more a way of life than a method of worship.
Dharmo Rakshati Rakshithaha
If you protect Dharma, Dharma will in turn protect you.
Hindus, If people slap you once, slap them twice!

THE POWER OF RADIATION

A very important message to everyone,

please read it carefully.

1 Egg , & 2 Mobiles
65 minutes of connection between mobiles.
We assembled something as per image:



Initiated the call between the two mobiles and allowed 65 minutes approximately...
During the first 15 minutes nothing happened;
25 minutes later the egg started getting hot;
45 minutes later the egg is hot;
65 minutes later the egg is cooked.



Conclusion:
The immediate radiation of the mobiles has the potential to modify the proteins of the egg. Imagine what it can do with the proteins of your brains when you do long calls.


Please try to reduce long time calls on mobile phones and this is wise advice to all mobile consumers use anti-radiation mobile products of AIBA (Approved by SAMEER, Govt. body, Chennai)

For more details click ; www.aiba.co.in

Saturday, July 11, 2009

Budget 09 is a mix bag of hits and misses





Budget 09 is a mix bag of hits and misses


Taking the Human Resources Development Minister, Kapil Sibal's vision forward of revolutionising the education system (primarily school level), in India, Finance...
Read more...




EXPERT SPEAK

FBT gone, but pay perquisite tax on ESOPs
ONE can't help but get the feeling that the tinkering exercise that Budget 2009 eventually turned into is a precursor to the new tax code. Budget 2009 has indeed been strange.
Read More



Abolishment of FBT will help common man
Budget 09 has focused on consumption and inclusive growth.


Budget 2009: Bad for personal finance
In the sphere of Personal Finance, the Budget 2009 -2010 provides for meagre tax concessions.



LOANS



I defaulted on my EMIs five times; what happens now?


Have you insured your home loan?


CREDIT CARDS



Losing money is easy


The myth of the free lunch


STOCKS & FUNDS



Simple ways to spot multibaggers


What you just should not believe!





Car insurance and monsoon safety


ASK anyone reeling under the sun, what a good escape from the heat would be. In most likelihood, the answer

Read More





TOOLS YOU MUST USE


Contingency fund calculator

What is your ideal asset allocation


PROFILES

Don't let higher EMIs ruin your budget

MEET Jaidev Iyer, a middle management professional with a media company in Mumbai. In April 2007, he took a 20-year floating rate loan of Rs 44 lakh (Rs 44,00,000). With this, he purchased a two-and-a-half bedroom-hall-kitchen flat, in a Central suburb in Mumbai. Now, home loans with floating interest rates can be tricky; the moment you take the loan, the rate seems to start climbing, upwards.


PROFILES

Franchising: Their money, my profit

Haresh Kukreja fancied the stock market a great deal. This Mumbai boy knew that a career in this field was his calling. After a few hurdles, Haresh, along with a partner, set up Investhub Financial Services, a franchisee for a popular broking house. After the initial struggles, they now run a successful firm.

Thursday, July 9, 2009

CRM marketing mantras for recession

Marketing budgets are most at risk during economic downturns, but Gartner Inc has identified six marketing processes that can be automated to drive revenue and cut costs, maximizing marketing budgets and return on investments (ROIs).

“Blindly cutting marketing budgets during an uncertain economy will impair a company’s ability to retain and grow its customers, now, as well as when the market returns to more stable growth,” said Kimberly Collins, managing vice president at Gartner.

The research firm advocates the use of six key marketing processes to help marketing drive revenue, cut costs and drive ROI, thus justifying its spending. Three of the processes - customer retention management, lead management and online marketing - focus on driving revenue; while the other three - creative production management, marketing fulfillment and financial management - are designed to improve accountability and cut costs.

Retention management


Retaining high value or potential high-value customers is essential in difficult economic times. Gartner advises that organizations calculate the profitability and value of customers, identify those they want to keep and develop retention programmes based on their customer segment and identified needs.

This includes understanding how a customer may be affected by the economy and developing programs to support them. Event triggers can proactively identify when a customer’s circumstances may be about to change and staff should be trained and empowered to recognize this. Gartner predicts that in 2009, companies that develop effective retention management processes will reduce churn of profitable customers by at least 10 percent within six months.

Lead management

By expanding marketing’s role in the lead management process, companies can improve lead quality and ensure higher conversion rates by sales. The company advocates leveraging marketing insights, such as using marketing data and content to augment leads prior to sending them to sales.

It is expected that companies that automate lead management processes in 2009 will increase revenue by at least 10 percent within six to nine months, despite the uncertain economy.

Online marketing

The Web is a cost-effective way to reach customers and one of the easiest channels in which to measure marketing ROI. Companies are advised to identify and prioritise three to four online marketing initiatives and measure marketing ROI, increasing budget programmes for those delivering high ROI.

The company foresees that in 2009, companies that invest in new online marketing processes will drive at least a 10 percent increase in revenue within six months.

Creative production management

Automating creative production or product launches reduces time to market and improves resource allocation and efficiency, cutting marketing costs without cutting programs. A marketing resource management (MRM) module for creative production management can incorporate calendaring, tasks, project management, business rules and workflow, freeing up time for more creative work.

Gartner predicts that in 2009, companies that automate creative production will save 15 percent or more of their creative advertising budgets within three to six months.

Marketing fulfillment

Marketing fulfillment solutions (often a module of MRM) provide 24/7 access to collaterals via portal, print-on-demand and procurement capabilities, helping companies save on paper, shipping and physical storage costs.

In 2009, companies that invest in marketing fulfillment solutions will be able to eliminate 5 percent or more of marketing waste within three to six months.