Category Archives: In Depth

UK house prices will hurt the economy even if they keep rising

Another trick to keep UK house prices rising is taking center stage: the extra-large mortgage. It’s the mortgage lasting half a lifetime, or more, which allows you to buy a home even if, under normal circumstances, you would not afford it.

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China’s economy could be hit by three big problems

By Sourajit Aiyer

This article was originally published by Foreign Policy News USA.

Can the Chinese economic engine really be hit? It is undergoing a transformational change currently, from investment-driven to a consumption-driven one, but that would still enable it to run at a decent speed.

Here are three distinct themes that can severely hit the Chinese engine in the years to come:

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Six things to check before investing in a start-up

By Sourajit Aiyer

This article was originally published in InBusiness Dubai.

Start-ups interest me; I have been involved with one that my friend started. I helped him with his investor pitch documents and was part of a group of friends who provided him with bridge funding. When he had to raise working capital, I helped set up meetings for him with some venture funds and intermediaries.

Not just my friend, but I, too, have had invaluable learning. Discussions with my friend, his colleagues, investors and intermediaries helped me develop my own perspective on managing and, more importantly, measuring start-ups.

In case you are thinking of investing in a start-up, then you might want to check if the company you want to invest in is looking at these points:

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How to help your child become smart about money

By Sourajit Aiyer

— This article was originally published in Straits Times, Singapore.

Most parents aspire that their children achieve more than they did. One such area should be better money management.

But how do parents ensure their kids turn out smarter in money management than they are? After all, many parents of our generation are found lacking in money management skills, while most schools do not teach basic money management either.

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How to set up shop and reach consumers in rural South Asia

By Sourajit Aiyer

Following up on my article on the 10 faces of South Asia’s rural consumer, let’s take a look at the best strategies to reach these clients and unlock the potential they represent for your business.

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The 10 faces of South Asia’s rural consumer

By Sourajit Aiyer

The rural consumption opportunity (including the non-metro towns) has been a common topic of discussion in several investor conferences in India recently. However, one is largely dependent on literature written from the financial centres, with limited primary visits into the hinterland.

This limits the content’s practicality, given the heterogeneous rural landscape. Moreover, the standard demographic approach to segment rural consumers may be misleading, since their behaviour is impacted by several realities, not just demographics.

Why they buy as they do, and how they behave when it comes to buying, are questions that on-the-ground observations can help understand better. Using my own experiences from visits made into the interiors of Bangladesh and India (Uttar Pradesh, Punjab, Gujarat, Tamil Nadu, Himachal Pradesh, J&K, Kerala, etc), I have my own understanding of local people in these places, and I feel the 10 segments below may be useful to categorize the rural consumers across heterogeneous regions.

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New Basel rules mean buy-to-let mortgage interest rates will jump

Ahead of the Chancellor’s Budget set to be published on March 16, there is a lot of speculation that he may announce other measures to cool down the buy-to-let property market. I don’t think he will need to: the market will cool down pretty rapidly once the regulatory changes that are coming for banks are understood by buyers. Admittedly, that will take a while. This article is for those who want to stay ahead of the game.

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Don’t rely on future profitability growth and wage rises

By Sourajit Aiyer

This article was originally published by Huffington Post India.

Gartner, the IT consulting major, said at a recent conference that a digital disruption to business occurs approximately every three years, while talk at the World Economic Forum on the 4th Industrial Revolution also focused on similar lines.

This is why it’s time to take a look at how these factors may change the way we look at, and measure, our businesses, whether as an owner or as an employee.

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Central bankers must walk the talk, or walk into the trap

By Mirela Roman

While central bankers are stepping deeper into territory they have never tried before (negative IR, QE), markets and also the public want solid proof that they Walk the Talk.

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Brexit is a huge PR exercise that puts the UK in jeopardy

With the date of the referendum on whether the UK should leave the European Union firmly in place, let the circus begin.

Between now and June 23, the British people will have plenty of chances to hear the arguments on both sides. However, one thing should be very clear: the whole Brexit debate is just a huge PR exercise serving to distract attention from the real problems that the economy is facing.

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