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How to make a ?complete? marketing plan or strategy?
2007-12-14 11:58:00
Whether you are a small business or a big organization, forming a marketing strategy is essential. It gives you a clear understanding about what you plan to achieve though your marketing plan and how you plan to achieve it. Without forming a marketing plan you may spend on different methods of marketing but you will not see the proportional returns in the form of sales or whatever it is your marketing plan is supposed to do. Without a marketing plan you are shooting at a target in the dark. What does a marketing plan or marketing strategy consists of? Well, a marketing plan is made up of two parts: Identifying and choosing a ?target market? Deciding various aspects of the ?marketing mix? http://bigmoneyinfo.blogspot.com
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Understanding the ?middle class? urban teenager as consumer
2007-12-14 11:57:00
They are more adventurous than their elders and they care less for tradition and religion. The often are after a "New Look" and they seek novelties. They are quick to adopt new fashions that emerge. They are generally more receptive to change. They believe more in spending money in the pursuit of pleasure than saving for the future. It is not easy to dupe them but it is quite easy to motivate them. Teenagers are becoming quite a distinct market segment. They not only have products and services that been designed to cater their needs but also they are an influence on the decisions taken by adults. Some estimates show that around Rs.500 crore a year is the amount of money given to children as pocket money. That covers a general understanding of the Indian market on the whole and the middle class of the market (which is the biggest consumer base for industries) in specific. Now let us go into a detailed understanding of how the process of marketing is done.http://bigmoneyin...
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Next - Understanding the Indian "middle class" wife
2007-12-14 11:57:00
The percentage of working women in India is growing at a steady pace. This is mainly because of the development in communication systems and growth of educational opportunities given to women. Because of this growth of working women, the women now-a-days also have an increased purchasing power. Due to this, industries that are directly related to women like cosmetics etc. have seen a major boost. Also, toiletries, food and beverages etc. have seen a growth. The middle class house wife is generally educated and is the purchasing agent for some of the products the family buys. She is also the "gatekeeper" for many products like new cooking medium, fast food etc. that cannot enter the house without her clearance. She also decides purchases meant for children. To get a much better understanding of the Indian house wife, consider the following characteristics of her buying decisions: Cautious, but not averse to change: The middle class house wife is generally educ...
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Indian middle class ?male? consumer
2007-12-14 11:56:00
The middle class of India is for whom most of the advertising is targeted. Even in the lower middle class, consumer products like biscuits, talcum powder, hair oil, hair cream, toilet soaps, leather foot ware, casual foot ware, wrist watches, quartz watches etc. are purchased. To get a much better understanding of the middle class ?male? head of the family, consider the following characteristics: Security Seeking: The middle class generally consists of security seeking people. Even though they are receptive to new ideas, they do not very readily dash into new ventures. The middle class man does not only want economic security, but he also wants emotional security. He will not do something that is likely to upset his emotional ties. He wants social security. He wants to be part of society. He does not want to be a rebel or an outcast. Being part of society he enjoys a degree of protection. He is likely to welcome new innovations is they satisfy his sense of se...
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Understanding Indian economical classes
2007-12-14 11:55:00
The country is very diverse and has many different languages, cultures, beliefs etc. It is hard to categorize the Indian buyer on basis of this diversity because it is so varied. The consumers in India can be classified on basis of their economic status to get a better idea about the populations buying behavior. The affluent group: The affluent group forms a very small part of the population of the country. They are negligible in percentage. A large manufacturing/marketing business cannot be supported by the consumers from this group alone. (Unless the products are especially designed, high priced luxury products.) The middle class: The middle class forms the customer base for most of the business in the country. India has a very large middle class. The population of the middle class exceeds the population of both Germany and France put together. This is the largest economic class in the country. Special attention is to be given to the consumers...
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Indian consumers are buying more than ever
2007-12-14 11:54:00
The country is growing, and is a place where business will thrive in the near future. To understand this better consider the following favorable shifts that have taken place in the consumer patters of buying. Favorable shifts in consumption pattern: Analysis shows that over the years, the expenditure on non-food items has grown faster that the expenditure on food items. India is witnessing a great change in the lifestyles and buying patterns of consumers. Convenience foods like instant coffee and noodles are now very popular. The number of modern gadgets like washing machines in the number of house holds is now on the increase. As we have mentioned before, yesterday?s luxuries are now becoming today?s necessities. The Indian consumer has more money and is now using it more liberally than ever before. Food and drink have acquired a greater "fun" image for him than ever before. Because of the TV and the booming media, even the economically lower class of the In...
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Urban and rural life of India
2007-12-14 11:53:00
Up until recently, large part of the marketing that was done in this country was done, targeting the urban population of the country. Now the marketing potential of the rural part of the country is rapidly growing. Let us get an understanding of the urban and rural break up of the country. 26% of the population lives in the cities or in urban India . The remaining 74% lives in the villages or in rural India. The population of the country is spread over the villages but is very concentrated in the cities. India has six of the largest cities in the world. These are - Calcutta, Bombay, Delhi, Madras, Bangalore and Hyderabad. Besides these cities, there are six other cities that are growing at a very rapid rate and have a huge concentration of the population. These are - Ahmedabad, Kanpur, Pune, Nagpur, Lucknow and Jaipur. In addition to these cities, there are around 4000 towns that have concentrations of the population. In the cities, there are a lot of jobs available now-a...
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Literacy scenario of India
2007-12-14 11:51:00
It is important to consider the literacy of the India n consumer. For Example: When launching a marketing campaign, if all the advertising is done though a non-visual/non-audio media like the newspaper, the marketer must know whether his target consumer is in a position to read the advertisement i.e. is the target consumer literate. Literacy Scenario in India (As per 2001 Census) Literacy in India has made remarkable progress since Independence. This has been further confirmed by the results of the Census 2001. The literacy rate has increased from ?18.33%? in 1951 to ?65.38%? in 2001. This is despite the fact that during the major part of the last five decades there has been exponential growth of the population at nearly 2% per annum. Some of the important highlights of Census 2001: The male literacy rate has increased to 75.85%, which shows an increase of 11.72%. On the other hand, the female literacy of 54.16% has increased at a much faster rate of 14.87%. The male-fem...

Understanding the Indian Consumer
2007-12-14 11:50:00
Here we have tried to provide you an overview of who our Indian consumers are. How our Indians think. And a brief overview of what kind of a market India is. The next few pages will cover all this information in detail. Note: Our country is growing at a very rapid pace. The state of job opportunities, salaries etc. is improving rapidly. Simply put the county is changing every day for the better. So this information holds true now (as in when this article was written i.e. Jan 2nd 2006) and will be more or less true a few years from now. However, it would be a good practice to keep in touch with the latest trends in thinking of the Indian consumer.http://bigmoneyinfo.blogspot.com
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What is Marketing?
2007-12-14 11:49:00
Marketing is basically your interaction with your consumer. This interaction with your consumer is done so that you can get the consumer to purchase your product or service. Basically that is what marketing is all about, getting the customer to purchase your product or service! There is a tendency to confuse ?marketing? with other terms like ?advertising? or ?publicity? etc. However, advertising is only a small part of marketing. Advertising is one of the ways in which you can get the customer to purchase your product or service. There are many other ways. Like "publicity" though newspapers will increase awareness about your product or service and thus may get the customer to purchase your product or service. The point is that marketing is a mixture of all the activities of advertising, promotion, publicity, deciding the look and feel of the product, how it will be sold and sent to the consumer etc. All of these are the different parts of marketing. They are not marketing. ...
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How to market? (A complete guide for Indians!)
2007-12-14 11:42:00
Here we have provided a complete guide on ?how to market? for Indians . You may be interested in marketing your business, a particular product or an event that you are about to organize. This guide is for you! Though this guide, we have talked about all the ?basic aspects? of marketing. This guide will give you a general procedure of what is involved in marketing, the complete process and how you have to go about pricing, advertising, packaging, delivering etc. your product or service. This guide is especially written for Indians. We have tried to provide information about the people that make up our country, how they think, what appeals to them etc. We have especially concentrated on the Indian middle class. This is the largest group of the Indian population. They have been the largest group of consumers for quite some time now. In the future, as the country keeps growing, our Indian middle class is going to be one of the largest markets in the world. Though this guide w...
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Investors beware of: Brokerage and taxation!
2007-12-14 11:41:00
You probably know the concept that all your transactions in the stock market are done though a "stockbroker". A stockbroker earns a commission on whatever transaction you make. Suppose you make a transaction of Rs.2000, and the stockbroker charges you a 3% commission, then you have to pay the stockbroker Rs.60 (3% of Rs.2000) for the transaction. So your total investment in the transaction in ?not Rs.2000?. The total investment in the transaction is Rs.2060/-So after sometime, if the price of the stocks you invested in goes up to Rs.2060 then you have not made any money because the total amount you invested was Rs.2060/-What is more, even when you sell the stocks, you have to pay the broker brokerage of 3%. This means that, when you sell the stocks for Rs.2060, you have to pay the broker Rs.61.6 so the profit of Rs.60 you made on the transaction is gone, in fact you actually make a loss of Rs.1.6!!So in effect even though you made a profit of Rs.60 because your stock price went up, ...
More About: Brokerage , Taxation , Beware , Investors

"Inflation" & how it eats your money silently & affects your investments!
2007-12-14 11:40:00
Inflation, is an economic concept. What the cause of inflation is, is not important to us from the point of view of this article. What is important to us is the effect of inflation! The effect of inflation is the prices of everything going up over the years. A movie ticket was for a few paise in my dad?s time. Now it is worth Rs.50. My dads first salary for the month was Rs.400 and over he years it has now become Rs.75,000. This is what inflation is, the price of everything goes up. Because the price goes up, the salaries go up. If you really thing about it, inflation makes the worth of money reduce. What you could buy in my dad?s time for Rs.10, now a days you will not be able to buy for Rs.400 also. The worth of money has reduced! If this is still not clear consider this, when my father was a kid, he used to get 50paise pocket money. He used to use this money to go and watch a movie (At that time you could watch a movie for 50paise!) Now, just for the sake of understanding ...
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PEG (Price to future growth ratio!) and what it tells you!
2007-12-14 11:39:00
The market is usually more concerned about the future than the present, it is always looking for some way to figure out what is going to happen in the companies future. A ratio that will help you look at future earnings growth is called the PEG ratio. You calculate the PEG by taking the P/E and dividing it by the projected growth in earnings. PEG = (P/E) / (projected growth in earnings) For example, a stock with a P/E of 30 and projected earning growth next year of 15% would have a PEG of 30 / 15 = 2. What does the ?2? mean? Technically speaking: The lower the PEG number, the less you pay for each unit of future earnings growth. So even a stock with a high P/E, but high projected earning growth may be a good value. So, to put it very simply, we are interested in stocks with a low PEG value. Just for the sake of understanding, consider this situation, you have a stock with a low P/E. Since the stock is has a low P/E, you start do wonder why the stock has a low P/E. Is it that...
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Price to earning (P/E) ratio & what it means?
2007-12-14 11:38:00
If there is one number that people look at than more any other number, it is the ?Price to Earning Ratio (P/E)?. The P/E is a ratio that investors throw around with confidence as if it told the complete story. Of course, it doesn?t tell the whole story (if it did, we wouldn?t need all the other numbers.) The P/E looks at the relationship between the stock price and the company?s earnings. The P/E is the most popular stock analysis ratio, although it is not the only one you should consider. You calculate the P/E by taking the share price and dividing it by the company?s EPS (Earnings Per Share that we saw above) P/E = Stock Price / EPS For example: A company with a share price of Rs.40 and an EPS of 8 would have a P/E of: (40 / 8) = 5 What does P/E tell you? Some investors read a high P/E as an ?overpriced stock?. However, it can also indicate the market has high hopes for this stock?s future and has bid up the price. Conversely, a low P/E may ind...

Earnings per share (EPS) ratio & what it means!
2007-12-14 11:37:00
Even comparing the earnings of one company to another really doesn?t make any sense, if you think about it. Earnings will tell you nothing about how many shares the company has. Because you do not know how many shares a company has, you do not know how many parts that companies earnings have to be divided into. If the company has more shares, the earnings will be divided into more parts. For example, companies A and B both earn Rs.100, but company A has 10 shares outstanding, so each share holder has in effect earned Rs.10. On the other hand, if company B has 50 shares outstanding and they too have earned Rs.100 then each shareholder has earned Rs.2. So you see it is important to know what is the total number of outstanding shares are as well as the earnings. Thus it makes more sense to look at earnings per share (EPS), as a comparison tool. You calculate earnings per share by taking the net earnings and divide by the outstanding shares. EPS = Net Earnings / Outstanding Share s So lo...

Earnings per share (EPS) ratio & what it means!
2007-12-14 11:35:00
Even comparing the earnings of one company to another really doesn?t make any sense, if you think about it. Earnings will tell you nothing about how many shares the company has. Because you do not know how many shares a company has, you do not know how many parts that companies earnings have to be divided into. If the company has more shares, the earnings will be divided into more parts. For example, companies A and B both earn Rs.100, but company A has 10 shares outstanding, so each share holder has in effect earned Rs.10. On the other hand, if company B has 50 shares outstanding and they too have earned Rs.100 then each shareholder has earned Rs.2. So you see it is important to know what is the total number of outstanding shares are as well as the earnings. Thus it makes more sense to look at earnings per share (EPS), as a comparison tool. You calculate earnings per share by taking the net earnings and divide by the outstanding shares. EPS = Net Earnings / Outstanding Share s So lo...

The Basics of Fundamental Analysis
2007-12-14 11:34:00
Fundamental Analysis Definition Fundamental analysis is a stock valuation method that uses financial and economic analysis to predict the movement of stock prices. The fundamental information that is analyzed can include a company's financial reports, and non-financial information such as estimates of the growth of demand for products sold by the company, industry comparisons, and economy-wide changes, changes in government policies etc.. General Strategy To a fundamentalist, the market price of a stock tends to move towards it's ?real value? or ?intrinsic value?. If the ?intrinsic/real value? of a stock is above the current market price, the investor would purchase the stock because he knows that the stock price would rise and move towards its ?intrinsic or real value? If the intrinsic value of a stock was below the market price, the investor would sell the stock because he knows that the stock price is going to fall and come closer to its intrinsic value. All this seems s...
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Stock Picking - Which stocks to buy?
2007-12-14 11:34:00
Having understood all the basics of the stock market and the risk involved, now we will go into stock picking and how to pick the right stock. Before picking the right stock you need to do some analysis. There are two major types of analysis: 1. Fundamental Analysis 2. Technical Analysis Fundamental analysis is the analysis of a stock on the basis of core financial and economic analysis to predict the movement of stocks price. On the other hand, technical analysis is the study of prices and volume, for forecasting of future stock price or financial price movements. Simply put, fundamental analysis looks at the actual company and tries to figure out what the company price is going to be like in the future. On the other hand technical analysis look at the stocks chart, peoples buying behavior etc. to try and figure out what the stock price is going to be like in the future. In this article we will go into the basics of ?fundamental analysis?. Technical analysis is a...
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3 important things you must know and follow as an new investor!
2007-12-14 11:33:00
You need to KNOW some ?unforgettable basics? before you enter the world of investing in stocks. The stock market is a field dominated by savvy investors who know the ins-and-outs of the market. For people who are not ?on the inside?, the stock market can be a VERY dangerous place. : Don't even consider "tips" that tell you about "hot stocks". Consider the source: There are many people in the market who put in all their time and effort in promoting certain stocks. They do this because they have their money invested in those stocks. If they can get enough people to buy the stock and they can get the stock price to rise, they will sell the stock for a huge price, the stock price will crash and they will walk off to promote another stock. Always use your own brain: It's extremely important. You must always use your own brain. Relying on the advice of others, no matter how well intentioned it may be, is almost always a complete disaster. Make sure you dig in and really examine ...
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What are the Sensex & the Nifty?
2007-12-14 11:32:00
The Sensex is an "index". What is an index? An index is basically an indicator. It gives you a general idea about whether most of the stocks have gone up or most of the stocks have gone down. The Sensex is an indicator of all the major companies of the BSE. The Nifty is an indicator of all the major companies of the NSE. If the Sensex goes up, it means that the prices of the stocks of most of the major companies on the BSE have gone up. If the Sensex goes down, this tells you that the stock price of most of the major stocks on the BSE have gone down. Just like the Sensex represents the top stocks of the BSE, the Nifty represents the top stocks of the NSE. Just in case you are confused, the BSE, is the Bombay Stock Exchange and the NSE is the National Stock Exchange. The BSE is situated at Bombay and the NSE is situated at Delhi. These are the major stock exchanges in the country. There are other stock exchanges like the Calcutta Stock Exchange etc. but they are not as pop...

What makes stock prices go "up" and "down"?
2007-12-14 11:31:00
Stock prices change every day because of market forces. By this we mean that stock prices change because of ?supply and demand?. If more people want to buy a stock (demand) than sell it (supply), then the price moves up! Conversely, if more people wanted to sell a stock than buy it, there would be greater supply than demand, and the price would fall. (Basics of economics!) Understanding supply and demand is easy. What is difficult to understand is what makes people like a particular stock and dislike another stock. If you understand this, you will know what people are buying and what people are selling. If you know this you will know what prices go up and what prices go down! To figure out the likes and dislikes of people, you have to figure out what news is positive for a company and what news is negative and how any news about a company will be interpreted by the people. The most important factor that affects the value of a company is its earnings. Earnings are the profit a compan...
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Why does a company issue stocks?
2007-12-14 11:30:00
Why would the founders share the profits with thousands of people when they could keep profits to themselves? The reason is that at some point every company needs to "raise money". To do this, companies can either borrow it from somebody or raise it by selling part of the company, which is known as issuing stock. A company can borrow by taking a loan from a bank or by issuing bonds. Both methods come under "debt financing". On the other hand, issuing stock is called ?equity financing?. Issuing stock is advantageous for the company because it does not require the company to pay back the money or make interest payments along the way. All that the shareholders get in return for their money is the hope that the shares will someday be worth more than what they paid for them. The first sale of a stock, which is issued by the private company itself, is called the initial public offering (IPO). It is important that you understand the distinction between a company financing throu...
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How to make money in the stock market?
2007-12-14 11:28:00
Inroduction This article is a COMPLETE guide to the basics of making money in the stock market! If you are considering investing in the stock market, you MUST read this article! We have explained all the concepts and talked about all the "myths" that people have about the stock market! What are stocks? Definition: Plain and simple, a ?stock? is a share in the ownership of a company. A stock represents a claim on the company's assets and earnings. As you acquire more stocks, your ownership stake in the company becomes greater. Note: Some times different words like shares, equity, stocks etc. are used. All these words mean the same thing. So what does ownership of a company give you? Holding a company's stock means that you are one of the many owners (shareholders) of a company and, as such, you have a claim to everything the company owns. This means that technically you own a tiny little piece of all the furniture, every trademark, and every contract of the company. As...
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How to advertise on your blog & make money?
2007-12-14 11:24:00
Now let us assume that you have a huge amount of traffic and you want to make some money off it, how do you do this? Seriously speaking there are a billion ways of doing this. We will discuss some of the basic and most straight forward ways. You can be creative and come up with other ways on your own. The simplest and easiest way: Use Adsense! Adsense is basically a Google advertising program. If you have a blog on Blog ger.com then using adsense is very simple and so we recommend that you use Blogger.com to blog. Signing up for Adsense is pretty simple. You can do it right from the panel that Blogger.com gives you though their ?Adsense Tool?. Check out the picture blow: If you are unclear what Adsense adds are and how Adsense adds look, take a look at the picture blow. (It's the add under the mouse pointer.) Once you have these adds on your site, if anyone clicks on the adds, you will get paid. Generally, you will get paid $0.10-$0.55 (Rs.4 ? Rs.25) per click depend...
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