Monday, December 28, 2009

French Pronunciation

Ok Guyz,
There was this time that I had taken a month long classes in French, but now, its kinda rubbing off me & hence this attempt to retain some amount of French through this blog. A couple of entries are gonna comprise of French pronunciations & commonly spoken words as devised 4m sites across our very own internet & 4m some notes of mine which my teacher- Claire, a Chinese student exchange girl left with me (she had a Chinese name that was too difficult to pronounce).
French letter(s)English Sound
a, à, â ah
é, et, and final er and ez ay
e, è, ê, ai, ei, ais eh
i, y ee
o oh
oshorter and more open than aw in bought
ou oo
oy, oi wah
u ew
u + vowel wee
c (before e, i, y) s
ç (before a, o, u) s
c (before a, o, u) k
g (before e, i, y) zh
ge (before a, o) zh
g (before a, o, u) g
gnnyuh
hsilent
jzh
qu, final q k
rrolled
s (between vowels) z
th t
x

ekss, except as s in six, dix, and
soixante


in liaisons, like z



French Alphabets

a ah j zhee s essb beh k kah ttehc seh lell uoohd deh m em vvehe uh nen wdoo-blah-vehf eff ooh xeeksg zheh ppeh yee-grekh ahsh qkoo zzedi ee rair



Tuesday, November 17, 2009

SILVER

Silver
Slowly, silently, now the moon
Walks the night in her silver shoon;

This way, and that, she peers, and sees
Silver fruit upon silver trees;
One by one the casements catch
Her beams beneath the silvery thatch;

Couched in his kennel, like a log,
With paws of silver sleeps the dog;
From their shadowy cote the white breasts peep
Of doves in silver feathered sleep

A harvest mouse goes scampering by,
With silver claws, and silver eye;
And moveless fish in the water gleam,
By silver reeds in a silver stream.

By
Walter de la Mare

Sunday, October 25, 2009

Divine Justice

Well it has really been a while since I have made an entry into this blog, the reason being my temporary detachment from every thing around & then came the birth of my new blog- www.marketingwithakiss.blogspot.com. So here I am after a sabbatical to pen down something in my dear old blog.

Let me start with a recent novel that I read which left a considerable impact on me. Not because it had something influential or stuff like that, but I was totally charmed by the author's writing style. David Baldacci's Divine Justice is the first book of the author that I laid my hands on & is a part, kinda the climax of a trilogy which started with Camel Club, Stone Cold & then Divine Justice. Do not get belied by the name as it has nothing to do with the biblical sense of the word but is a pure masala written in crisp English. The simplicity & lucidity of the author keeps you glued to the content. There are no extensive & unnecessary descriptions of trivial matters around nor of the terrain and is a true page turner with action in each chapter of this 300+ paged novel.


Despite it being the third in line of a trilogy, it wasn't a barricade for me to understand the story as just in a couple of sentences, the author has given a brief recapitulation of Stone's (central protagonist's past). I have read some reviews & came to know that for those who have read Stone Cold, an American Bestseller, this is all the more a treat as is starts precisely where the prior ends. All I can say is that I can't wait to lay my hands on other works by David and the guy seems to be younger than most authors around & has already established a decent reputation with works for two very different genres, both serious, adult stuff as well as light hearted colorful pieces for kids!


Sunday, July 26, 2009

Understanding Consumer India Better

B2C businesses in India continue to struggle with defining target markets based on the most logical measure — household income. Every meeting we
Income strata
go to, the target market definition, based on which market potential is calculated and business plans are drawn up, is either hotly debated or accepted with a sceptical shrug of the shoulders by some people in the audience.

The definition is based on some income band per households per month or year, and this income band neither makes blindingly obvious sense nor is it standardised across data bases.

People have their own definition and they qualify this with labels like high / rich / middle/ lower middle or labels like “strivers/ consuming class / aspirers” or “top end of the market / mid market” and so on. These labels, instead of reassuring us, often leave us feeling even more anxious. Yes, we see the income numbers, and yes, we accept the number of people in each income band as per survey estimates. We also know that survey data on income is a reliable measure (it throws up the same numbers when the question is asked the same way) but it is not a “valid” truth number, statistically speaking.

That means that surveys do a good job measuring a certain kind of definition of income that is relatively accurate across people, but when income reported from surveys is grossed up and projected to the all India level, it falls far below the number that it should add up to, as per the national income statistics that the government puts out.

While consultants and companies advise investing in India based on the current and projected size of the “middle class”, the bogey of the definition and sizing of the middle class hasn’t gone away yet and adds to the unease. The World Bank defines middle class as having between $10 and $20 purchasing power parity (PPP) per capita per day, which is a lot narrower than the NCAER definition of households income between Rs 2-10 lakh ($4,000 to $21,000 at 2001-02 prices) annually; which is what McKinsey Global Institute uses in its Bird of Gold book.

Chris Butel of IIMS-Dataworks suggests sensibly that the middle class are those that have their own personal transport (car or 2-wheeler), own entertainment as in a TV set, sound system and their own communication (phone). Some of us suggest that the middle class are those who are literally in the middle i.e., have approximately between the 33rd and 66th percentile of income. Expectedly the numbers swing wildly from 50 million to 200 / 230 / 300 million. What’s more, the nagging worry persists that the middle class being defined by most of these income bands is actually India’s upper class.

So, we thought it’s better to work with a more intuitive way to understand income strata in the Indian market. The one which needs the least amount of assumptions or leaps of faith, and advances our collective understanding of Consumer India’s income distribution, is simply to work with percentiles of income. This article presents a very simple set of tables that analyses Consumer India in terms of quintiles of population stratified in terms of household income. The data is from NCAER’s household surveys, 2005-06.

Table 1 shows the percentage of Consumer India’s income, expenditure and surplus (income — routine expenses) that resides with households in each quintile. Table 2 shows the rural-urban split of households in each quintile, the percentage of income that is surplus (i.e., remaining after meeting routine and non-routine expenditure) and some patterns of expenditure.

The richest 205 million people in India (Q5), the top earning 45 million households, are discontinuously well off — if the average income of a household in Q1 (the lowest income) is 100, then the income in Q5 is 840; which is more than double that of even Q4 , which is 350. They have half of Consumer India’s income, and three quarters of its discretionary income, and don’t need to spend more than half of what they earn.

The interesting thing is that Q5 households’ average income level fits several of the more popular definitions of “the middle class”. Social class A and B households, which are most marketers’ “catch all’ target group for premium ranges, comprising about 20 million urban households are what the urban component of Q5 is all about. Q4 hovers around 20% on all counts. It has about 20% of Consumer India’s income and expenditure, and 20% of income is surplus.

The data also tells us not to be so surprised by the rural market robust growth, and also says that we shouldn’t give the NREGS all the credit for it! About half of Q5 (richest quintile) households are actually in rural India. Q4, which is a sort of poorer but fairly well off cousin to Q5, is approximately equally divided between rural and urban India. NCAER analysis shows that improvement in rural infrastructure will impact consumption more than improvement in income. Q1, Q2, Q3 households are predominantly in rural areas.

Table 2 provides a vignette of expenditure information by quintile. The interesting question is, as Indians get richer what do they spend on? NCAER data looks at items of ‘routine’ expenditure as well as ‘non-routine’ expenditure. Education is the net gainer as incomes increase, both in terms of routine and non-routine expenditure; as is transportation. Ceremonies form the single largest expenditure item in non-routine expenditure, both for the rich and the poor. Health expenditure also shows interesting patterns when analysed this way.

How many quintiles have various consumer durables conquered? As of two years ago, the 2-wheeler has done better than even the mobile phone. The 2-wheeler penetration is 71%, 48%, 28%, 16% in the top 4 quintiles; the corresponding numbers for mobile phone (2006) is 45%, 18%, 7% and 3%. The car is 21% in the top quintile and then it’s a below 5% penetration the rest of the way. Table 1 shows the percentage of Consumer India’s income, expenditure and surplus (income — routine expenses) that resides with households in

each quintile. Table 2 shows the rural-urban split of households in each quintile, the percentage of income that is surplus (i.e., remaining after meeting routine and non-routine expenditure) and some patterns of expenditure.

The richest 205 million people in India (Q5), the top earning 45 million households, are discontinuously well off — if the average income of a household in Q1 (the lowest income) is 100, then the income in Q5 is 840; which is more than double that of even Q4 , which is 350. They have half of Consumer India’s income, and three quarters of its discretionary income, and don’t need to spend more than half of what they earn.

The interesting thing is that Q5 households’ average income level fits several of the more popular definitions of “the middle class”. Social class A and B households, which are most marketers’ “catch all’ target group for premium ranges, comprising about 20 million urban households are what the urban component of Q5 is all about. Q4 hovers around 20% on all counts. It has about 20% of Consumer India’s income and expenditure, and 20% of income is surplus.

The data also tells us not to be so surprised by the rural market robust growth, and also says that we shouldn’t give the NREGS all the credit for it! About half of Q5 (richest quintile) households are actually in rural India. Q4, which is a sort of poorer but fairly well off cousin to Q5, is approximately equally divided between rural and urban India. NCAER analysis shows that improvement in rural infrastructure will impact consumption more than improvement in income. Q1, Q2, Q3 households are predominantly in rural areas.

Table 2 provides a vignette of expenditure information by quintile. The interesting question is, as Indians get richer what do they spend on? NCAER data looks at items of ‘routine’ expenditure as well as ‘non-routine’ expenditure. Education is the net gainer as incomes increase, both in terms of routine and non-routine expenditure; as is transportation. Ceremonies form the single largest expenditure item in non-routine expenditure, both for the rich and the poor. Health expenditure also shows interesting patterns when analysed this way.

How many quintiles have various consumer durables conquered? As of two years ago, the 2-wheeler has done better than even the mobile phone. The 2-wheeler penetration is 71%, 48%, 28%, 16% in the top 4 quintiles; the corresponding numbers for mobile phone (2006) is 45%, 18%, 7% and 3%. The car is 21% in the top quintile and then it’s a below 5% penetration the rest of the way.

Tuesday, July 14, 2009

SECTION 377- A New Leaf Turned By India

Indian Penal code 377 stated:
Whoever voluntarily has carnal intercourse against the order of nature, with any man, woman or animal shall be punishable with imprisonment for life or with imprisonment of either description for a term which may extend to ten years and shall also be liable to fine.


But then all of this came to an end with the historical judgment of July 2nd, 2009 which decrimanalised the law.

There are many evidences which shows that Same sex sexual desire has been recorded from ancient times in the east. This desire is the reason behind same-sex unions, usually between men. It often included some difference in age. Information on relationships among women in ancient times is very rare. May be because women were not afforded equal status with men, so that, while men were free to pursue sexual and romantic pleasure both within and without marriage, women often were not. Male love was encouraged in China, especially in the southern province of Fujian. Men would even marry youths in elaborate ceremonies. The marriages were long lasting. At the end of this marriage the elder partner would help the younger find a wife (of course female!) so that he can settle down to raise a family!!!
In West. Ancient Greece gives us the earliest western documents concerning same sex relationships. In ancient Greece, same-sex relationships were a societal norm. Certainly, these relationships did not replace marriage between man and woman, but occurred before and beside it.
s their any examples of homosexual relationships in the history? Of course there are! But, the sexual orientation of pre-modern figures is a topic of intense controversy. It may be accepted, for example, that the sex lives of historical figures such as Alexander the Great, Plato, Hadrian, Virgil, Leonardo da Vinci, Michelangelo and Christopher Marlowe included or were centred upon relationships with people of their own gender. Terms such as homosexual or bisexual might be applied to them in that sense. But many regard this as risking the anachronistic introduction of a modern social construction of sexuality that is foreign to their times. For example, their societies might have focused upon the sexual role one took in these encounters, namely active, passive, both, or neither, as a key social marker. This particular system of designation is currently the norm in many areas of Latin America. As for Indian custom, the Khajurao Caves stand testimony to past of such sexual orientations.

Tuesday, July 7, 2009

Sandcastles By The Sea

The tower stood tall, a single window piercing through,
I could picture Rapunzel, vanquishing by the window
A narrow path wound down to a dusty door,
There stood my sandcastle on a lonely golden beach.

The walls so burly, circled my tower,
As a little gate of wet twigs dented them.
I could picture the Prince gallop across on his steed,
There stood my sandcastle on a lonely golden beach.

Did i build the wall so high that no steed could cross it,
Was Rapunzel so hapless that no deliverance answered her prayers.
I might never know the tale this far...............

Where stood my sandcastle are but stubs....................prey to the hungry tides.

Sunday, May 31, 2009

My Favourite Novels

The Scapegoat- This one by  Daphne du Maurier reminds of Mark Twain's Prince & the Pauper, one of my favourites again, just a Little more modern in disposition. This novel was the first of a kind I read in my 7th standard & still remember how glued I got 2 it & as it was my exam time , I had 2 hide it between my text bk & read, boy! but it was worth it.

TO KILL A MOCKINGBIRD by Harper Lee is a book to be slowly eaten relishing each bite; it opened the gates of my childhood memories & all the gr8 time I had with my brother; as for the character Atticus, its one of my most favourite fictional characters ever.

THE FOUNTAINHEAD by Ayn Rand is one novel where I right away fell in luv with the central male character, Howard Roark. I just loved the way every charchter was brought to life steadily, page by page, till they grew on U- the irritating Peter Keating who reminds me of so many of the people I have met in real life, Ellsworth Toohey, the kind of stuff successful people in today's world unfortunately are made of, the crazy ways of Dominique, all f them, even the smallest role played in this gr8 piece is wirth a second thought.
Dark Canyon- This is one of Louis L'Amour's most beautiful piece. this author captures me in his vivid & lucid descriptions of the Western era, the cabin houses, the costumes, the social sentiments, each of it. His writing style is such that he transports u 2 different time and u start living with the characters; u taste the stale summer air in  the hills, u share their excitement, all of it. 
of his other novels which i 've liked are To Tame A Land and Connagher. Connagher being one the most beautiful love stories I have read, one u might find peculiar cos no where do word as I luv u, honey or anything similar does come. Yet, its touching in many ways.

Wuthering Heights: One hell of a journey this one is. Its got few characters and they are all crazy; but if u take a closer look, they resemble characters around you in real world, its just that every character is accentuated in them to heights! Its a numero uno tale of passion and luv and despite the melancholic spin of events, it has a sunny sweet end.

Saturday, May 30, 2009

Porter's Five Force Model- a different view

Michael E Porter’s five forces model is a useful framework for competitive analysis within an industry. This competitive analysis of new entrants, substitutes, buyer or customer power, supplier power and competitors leads into strategic planning and the development of a tailored competitive strategy that expects to exploit the situation. However, the 5 forces model has a number of weaknesses and these need to be compensated for in order to complete a full competitive analysis.

Weakness of Industry Sector Analysis

According to Porter the 5 forces model is intended for an industry level analysis and it is not intended to be used for an analysis of an industry sector. For example, pharmaceuticals may be considered one industry and bio-technology another but they both belong to the Life Sciences industry sector. The suggestion is to decompose the industry sector into component industries and then apply the five forces model. Whilst this approach will offer competitive insights it may miss the emergent properties of the sector i.e. the whole may be greater than the sum of the parts.

Weakness of Conglomerate or Multi-Industry Company Analysis

In addition to industry sector analysis those companies that compete in multiple industries as a conglomerate or multi-industry company such as Berkshire Hathaway, Mitsubishi or GE also present a similar challenge. For these diversified companies the proposed solution is the same again – do the competitive analysis by industry.

Competitive Forces

There is a broad assumption of perfect competition within an industry and this is not always true as some companies have been identified in price fixing scandals for example "British Airways has denied ripping off passengers after being fined a total of £271m over price-fixing scandal involving Virgin Atlantic..." as Sky News reported 28Aug07 inBA Fined 271m Over Price-Fixing Scandal. Of course some price fixing cartels are normal practice suchOPEC[Organisation of the Petroleum Exporting Countries] and whilst some oil exporting countries such as Saudi Arabia are within the cartel others like Russia are outside of it. Companies may also enter into alliances as either a self-protection mechanism or as an aggressive move to eliminate competition. These “other” competitive forces introduce a further dimension to competitive analysis.

Profitable Industries

The competitive analysis is intended to identify the competitive intensity and therefore the attractiveness [profitability] of an industry. However, there may be significant uncertainty that renders such expectations meaningless. That uncertainty might be driven by temporary macro economic conditions for example the price of oil going down, then massively up followed by a sharp fall again. Or significant shifts in government policy such as ethanol fuel or solar power. Finally, there is the possibility that the public embrace a new technology or way of doing things that completely changes the competitive landscape for example Amazon and internet book sales or Apple’s introduction of the iPod and its impact on the music industry.



I Love The Love & Anguish Spilled All Over This Poem

I can't imagine there was a time I knew the entire poem by-heart, my God! But I love the goosebumps I get every time I read it.....
The Highwayman

PART ONE

 I

    THE wind was a torrent of darkness among the gusty trees, 
    The moon was a ghostly galleon tossed upon cloudy seas, 
    The road was a ribbon of moonlight over the purple moor, 
    And the highwayman came riding— 
                      Riding—riding— 
    The highwayman came riding, up to the old inn-door.

                                                 II

    He'd a French cocked-hat on his forehead, a bunch of lace at his chin, 
    A coat of the claret velvet, and breeches of brown doe-skin; 
    They fitted with never a wrinkle: his boots were up to the thigh! 
    And he rode with a jewelled twinkle, 
                      His pistol butts a-twinkle, 
    His rapier hilt a-twinkle, under the jewelled sky.

                                                 III

    Over the cobbles he clattered and clashed in the dark inn-yard, 
    And he tapped with his whip on the shutters, but all was locked and barred; 
    He whistled a tune to the window, and who should be waiting there 
    But the landlord's black-eyed daughter, 
                      Bess, the landlord's daughter, 
    Plaiting a dark red love-knot into her long black hair.

                                                 IV

    And dark in the dark old inn-yard a stable-wicket creaked 
    Where Tim the ostler listened; his face was white and peaked; 
    His eyes were hollows of madness, his hair like mouldy hay, 
    But he loved the landlord's daughter, 
                      The landlord's red-lipped daughter, 
    Dumb as a dog he listened, and he heard the robber say—

                                                 V

    "One kiss, my bonny sweetheart, I'm after a prize to-night, 
    But I shall be back with the yellow gold before the morning light; 
    Yet, if they press me sharply, and harry me through the day, 
    Then look for me by moonlight, 
                      Watch for me by moonlight, 
    I'll come to thee by moonlight, though hell should bar the way."

                                                 VI

    He rose upright in the stirrups; he scarce could reach her hand, 
    But she loosened her hair i' the casement! His face burnt like a brand 
    As the black cascade of perfume came tumbling over his breast; 
    And he kissed its waves in the moonlight, 
                      (Oh, sweet, black waves in the moonlight!) 
    Then he tugged at his rein in the moonlight, and galloped away to the West.

 

                                        PART TWO

                                                 I

    He did not come in the dawning; he did not come at noon; 
    And out o' the tawny sunset, before the rise o' the moon, 
    When the road was a Gypsy's ribbon, looping the purple moor, 
    A red-coat troop came marching— 
                      Marching—marching— 
    King George's men came matching, up to the old inn-door.

                                                 II

    They said no word to the landlord, they drank his ale instead, 
    But they gagged his daughter and bound her to the foot of her narrow bed; 
    Two of them knelt at her casement, with muskets at their side! 
    There was death at every window; 
                      And hell at one dark window; 
    For Bess could see, through her casement, the road that he would ride.

                                                 III

    They had tied her up to attention, with many a sniggering jest; 
    They had bound a musket beside her, with the barrel beneath her breast! 
    "Now, keep good watch!" and they kissed her. 
                      She heard the dead man say— 
    Look for me by moonlight; 
                      Watch for me by moonlight; 
    I'll come to thee by moonlight, though hell should bar the way!

                                                 IV

    She twisted her hands behind her; but all the knots held good! 
    She writhed her hands till her fingers were wet with sweat or blood! 
    They stretched and strained in the darkness, and the hours crawled by like years, 
    Till, now, on the stroke of midnight, 
                      Cold, on the stroke of midnight, 
    The tip of one finger touched it! The trigger at least was hers!

                                                 V

    The tip of one finger touched it; she strove no more for the rest! 
    Up, she stood up to attention, with the barrel beneath her breast, 
    She would not risk their hearing; she would not strive again; 
    For the road lay bare in the moonlight; 
                      Blank and bare in the moonlight; 
    And the blood of her veins in the moonlight throbbed to her love's refrain .

                                                 VI

        Tlot-tlot; tlot-tlot! Had they heard it? The horse-hoofs ringing clear; 
    Tlot-tlot, tlot-tlot, in the distance? Were they deaf that they did not hear? 
    Down the ribbon of moonlight, over the brow of the hill, 
    The highwayman came riding, 
                      Riding, riding! 
    The red-coats looked to their priming! She stood up, straight and still!

                                                 VII

    Tlot-tlot, in the frosty silence! Tlot-tlot, in the echoing night! 
    Nearer he came and nearer! Her face was like a light! 
    Her eyes grew wide for a moment; she drew one last deep breath, 
    Then her finger moved in the moonlight, 
                      Her musket shattered the moonlight, 
    Shattered her breast in the moonlight and warned him—with her death.

                                                 VIII

    He turned; he spurred to the West; he did not know who stood 
    Bowed, with her head o'er the musket, drenched with her own red blood! 
    Not till the dawn he heard it, his face grew grey to hear 
    How Bess, the landlord's daughter, 
                      The landlord's black-eyed daughter, 
    Had watched for her love in the moonlight, and died in the darkness there.

                                                 IX

    Back, he spurred like a madman, shrieking a curse to the sky, 
    With the white road smoking behind him and his rapier brandished high! 
    Blood-red were his spurs i' the golden noon; wine-red was his velvet coat, 
    When they shot him down on the highway, 
                      Down like a dog on the highway, 
    And he lay in his blood on the highway, with the bunch of lace at his throat.

                  *           *           *           *           *           *

                                                 X

    And still of a winter's night, they say, when the wind is in the trees, 
    When the moon is a ghostly galleon tossed upon cloudy seas, 
    When the road is a ribbon of moonlight over the purple moor, 
    A highwayman comes riding— 
                      Riding—riding— 
    A highwayman comes riding, up to the old inn-door.

                                                 XI

    Over the cobbles he clatters and clangs in the dark inn-yard; 
    He taps with his whip on the shutters, but all is locked and barred; 
    He whistles a tune to the window, and who should be waiting there 
    But the landlord's black-eyed daughter, 
                      Bess, the landlord's daughter, 
    Plaiting a dark red love-knot into her long black hair.

Some Of My Favourite Poems

Daffodils
I wandered lonely as a cloud
That floats on high o'er vales and hills,
When all at once I saw a crowd,
A host, of golden daffodils;
Beside the lake, beneath the trees,
Fluttering and dancing in the breeze.

Continuous as the stars that shine
And twinkle on the milky way,
They stretched in never-ending line
Along the margin of a bay:
Ten thousand saw I at a glance,
Tossing their heads in sprightly dance.

The waves beside them danced, but they
Out-did the sparkling leaves in glee;
A poet could not be but gay,
In such a jocund company!
I gazed—and gazed—but little thought
What wealth the show to me had brought:

For oft, when on my couch I lie
In vacant or in pensive mood,
They flash upon that inward eye
Which is the bliss of solitude;
And then my heart with pleasure fills,
And dances with the daffodils.