Financial Planning to Meet Your Future Goals

All of us do some bit of planning to manage our income, savings, expenses, future liabilities (money we expect to spend in the future) whether we understand anything about financial planning or not. While we may be managing it well for now, it may not be the best way to do or it may not give us the best results. While financial planning may sound technical, all it means is how do you recognize your future earnings and liabilities today, list down your current earnings and expenses, see if there is shortfall between what you’ll need in the future and what can get to with current means and then plan your savings and investments to overcome that shortfall.

List Current Income & Expenses:

Start with your current income which should include your salary, salary of other working members in the family, any other income like rent, business income etc. Add it all up and remember to also deduct the taxes you’ll pay on each of the income to finally arrive at the net income for your family at present.

After having arrived at your family’s net income, deduct all expenses like household expenses for the year, tuition fees, loan EMIs or any other short-term liabilities (expected within next 3-5yrs) you foresee like renovating the house or a medical treatment etc. Post this deduction what you now get is the savings you have that you need to invest wisely for the future.

Setting Future Life Goals

The next step in financial planning should be putting down all your future financial liabilities, the time when they will arise, the amount you will need etc.

Goal 1: For instance, if you are a 40 yr old man and expect your daughter’s college education to be due after another 8 yrs and anticipate this may cost around 30 lakhs then, will you have the money to finance it? Decide on an investment and the amount that you need to make today to achieve this goal 8 yrs later.

Goal 2: Similarly, if you intend to retire at 60 yrs, you need say 1 lakh p.m to maintain your current lifestyle which is INR 50,000 in today’s value. Given the advances in healthcare, you can easily expect a 25-30 year long retired life. The money you need to live your retired life can be funded by a long-term low risk investment (like debt mutual funds, pension plans) made today. Set aside some money for such an investment to be made today.

Goal 3: You may set aside money for buying some health insurance that you’ll need during your retired phase or even earlier. The insurance premium needs to be funded from your current savings.

The goal setting process helps in understanding your future requirements, quantifying them and making investments in the right asset class to fund each of the goals when they become due.

Asset Allocation:

While asset allocation can be done along with goal setting, it is better to understand how asset allocation can impact the success of your financial plan. You can invest your savings in various asset classes like equity, debt, gold, real estate etc. Look at the investments you have already made like if you own a PPF or EPF account, money you have invested in bank FDs, home loans you are paying etc. From the current savings and investments, you have already made, calculate the percentage of allocation made to each asset class. For instance, all bank FDs, PF amounts, govt bonds, debt-oriented pension plans should be classified as debt. Any money invested in IPOs, company stocks, equity mutual funds should be classified as equity, loan EMIs should be classified as real estate etc.

As a thumb rule, 100 minus your current age should be allocated to equities and equity like product. If you are 40 yrs old, 60% of annual savings should be invested in equity like products and the balance in debt products. If your current investments don’t seem to reflect this, try balancing your investments by reducing the money you put in debt products like FDs and bonds and divert that money towards equity mutual funds or stocks.

Most people are not comfortable investing in stocks as it requires special research, constant monitoring and a lot of undue stress. Hence equity mutual funds are a better option since your money is professionally managed by fund managers who do all the research on companies before investing and continuously monitor the performance of the fund by buying good stocks and selling underperforming stocks.

Start Early

You must start your financial planning early because this will give you the advantage of compounding example whichever option you choose to invest in, your money will get to grow for longer duration with returns compounded every year.

Annual Review & Rebalancing

While a sound financial plan is a good starting point, following it with discipline and rebalancing your portfolio every year is very important. Since life circumstances change frequently, you must relook at your plan along with your financial advisor and make changes to reflect your new circumstances.

Sensorial Branding – The Future of Brand Building

“People spend money when and where they feel good”
– Walt Disney

Most brands & products are now interchangeable. This sad statement emanates from one of the fathers of marketing, Philip Kotler.

For a brand to be identified, recognized and understood in its values is the core of every strategy, the nagging issue of every marketing manager.

However, in a competitive environment where the usage & functional value of a brand (a product or a service) can be easily copied or duplicated, what is left to stand out from the crowd? How can the customer’s preference be triggered to ensure their loyalty? How can the tie that will closely link your brand to the consumer and put you ahead of the competition be built, retained or strengthened?

These are questions to which sensorial branding answers: use senses (and their impact on the consumers’ perceptions) to enrich the brand experience and build up its uniqueness and personality, while ultimately paving the way to the consumers’ affection, preference and loyalty.

Sensorial branding (and sensorial marketing) fills the gap left by traditional marketing theories when it comes to answering today’s consumer mindset. This new kind of thinking finds its origins in the ’90s, with the shift from the rational mindset that formerly prevailed in the consumer’s decision-making process to the emotional and hedonist quest that now drives their desires and consumption acts.

In reaction to an increasingly virtual and pressurized industrial world, people have started seeking a way to reconnect to reality in their private sphere, for a pathway to re-enchant their world. The individual values of pleasure, well-being and hedonism rose along with a true new concept of consumption that exposed the limits of traditional marketing theories.

Consumption today is a form of “being”. Just like any leisure activity, it becomes a place to express a piece of your personality, where you share common values with a small group of other individuals (a tribe). And maybe more than anything else, consumption acts must be analyzed as “felt” acts, as experiences capable of providing emotions, sensations and pleasure.

Purchasing acts are driven by this desire for sensational experiences that re-ignite senses and drive emotions. No matter how effective a product may be, it is its hedonist and emotional added-value, as well as the distinctive experience it offers, that lead consumers to buy it and ensure its loyalty.

What does it mean from a branding point of view?

First, it means that price and functionality are now taken for granted (or, in other words, not sufficiently differentiating). It is now the intangible, irrational and subjective attributes of the brand offering that are the new factors of success.

Second, it highlights the fact that sensations, new experiences and emotions must be part and parcel of the brand experience. It is through these 3 channels that the brand can create greater differentiation, influence consumer’s preference and secure their affection.

In summary, focusing the brand strategy on rational arguments regarding its functional value is no longer sufficient to ensure success. What is clear is that empowered brands are the ones managing to deliver hedonist and emotional attributes throughout the brand experience. This is where brands can add meaning and, therefore, value and sense to products and services, transforming them from interchangeable commodities into powerful brands.

This is where sensorial branding is competent: exploring and unveiling how brands can connect with people in a more sensitive way, at this true level of senses and emotions. To put it more clearly, it focuses on exploring, expressing, and empowering the brand’s hedonist and emotional potentials.

In this theory, sensations prevail because they are a direct link to consumers’ affections. Senses are directly affected by the limbic part of the brain, the area responsible for emotion, pleasure and memory. In a way, it is no big surprise. This is all about going back to basics, to what actually appeals to a human being on an everyday basis. Sense is a vital part of our human experience. Almost our entire understanding and perception of the world is experienced through our senses. A growing number of research shows that the more senses your product appeals to, the greater the brand experience.

While communication & visual identity focus mainly on sight and sound, an accurate poly-sensorial identity integrating touch, smell (and taste when applicable), sends a more powerful emotional message to consumers, multiplying the connections or touch points through which the consumers can be attracted, convinced and touched by the brand. It enables and encourages consumers to “feel” and “experience” the brand (product or service) with their “emotional brain”.

As Martin Lindstrom, author of best-selling book Brand Sense states, success lies in mastering a true sensory synergy between the brand and its message.

The first brand to intuitively implement the sensorial branding theory was Singapore Airlines. Like any other airline company, Singapore Airlines’ communication and promotions primarily focused on cabin comfort, design, food and price. The breakthrough was made when they decided to incorporate the emotional experience of air travel. The brand platform they implemented aimed at one simple, but rather revolutionary, objective: to present Singapore Airlines as an entertainment company. From that moment onward, every detail of the Singapore Airlines travel experience was scrutinized and a new set of branding tools were implemented: from the finest silk and colours chosen for the staff uniform, to the make up of the flight attendants that had to match Singapore Airline’s brand colour scheme; from the drastic selection of the flight attendants that had to be representative of the “Asian beauty archetype”, to the way they should speak to passengers and serve food in the cabin. Everything had to convey smoothness and relaxation to transform the Singapore Airlines travel experience into a true sensorial journey. Right after turning the Singapore Airlines flight attendant into an iconic and emblematic figure of the brand (the famous “Singapore Girl”), they broke through the barriers of marketing again by introducing a new dimension to the brand: a signature scent. They specifically designed a signature scent, called Stefan Floridian Waters. This olfactory signature was used by the crew, blended into the hot towels served to passengers, and it soon permeated the entire fleet of planes. Described as smooth, exotic and feminine, it was the perfect reflection of the brand and achieved instant recognition of Singapore Airlines upon stepping into the aircraft. It soon became a unique and distinctive trademark of Singapore Airlines, capable of conveying a set of memories all linked to comfort, sophistication and sensuality.

Another example given by Martin Lindstrom is Rolls Royce. To recapture the feeling of older “rollers” and maintain the luxurious aura surrounding the brand, Rolls Royce analysed and recreated the unique smell made by materials like mahogany wood, leather and oil that permeated the interior of the 1965 Silver Cloud Rolls-Royce. Now every Rolls Royce leaving the factory is equipped with a diffuser in the underside of the car’s seat to convey this unique identity of the brand.

What we learn here is that only when all the sensory touch points between the brand and consumer are integrated, evaluated and leveraged can true enrichment of your brand identity be achieved. In the future, it can become the most cutting-edge tool to stand out from the crowd, boosting the brand experience and eventually influencing consumer loyalty.

Few brands today are truly integrating sensorial branding in their strategy, while forward thinking companies are already implementing it with success. Adding a sensorial dimension to the brand experience is surely about to become the next competitive asset.

In the future, brand building for marketers may lie in one simple question: what does my brand feel like?
To get more information about Sensorial Branding services, either in China or internationally you can come have a look at Labbrand website.

Vladimir Djurovic

Future of E-Commerce and Delivery Systems

The Asia-Pacific region has seen an online boom over the past decade, particularly in e-commerce.

In fact, this part of the world actually has the largest online market globally and high levels of growth in the e-commerce market, India has had a lot to do with this.

According to the experts, India’s total online sales are forecast to exceed $100 billion in 2020, putting us in top three worldwide.

E-commerce has been the largest game-changer for the Indian economy and it continues to develop as we swiftly embrace modern technologies. Several aspects such as ample array of inventory, comfort, service, fruitful offers, cash-on-delivery, free freight, seamless return procedures, reliable and convenient purchasing system, linked with profitable offers have begun the outbreak of online purchasing in our country. According to a statement by Google and Forrester Consulting, a number of online shoppers will approximately triple 2020, with over 50 million fresh customers rising from tier I and tier II cities.

The nation has been riding on the e-commerce surge due to heavy internet penetration backed with reasonable data charts and mere availability of smartphones. The imminent years will observe breath-taking discovery in e-commerce and carry forth uncomplicated and interesting shopping adventures.

The rise of Private labels: All the top e-commerce giants will introduce their personal brands. They will begin producing their own merchandises and sell them aggressively within their portal while simultaneously exchanging other brands.

Mobility: Each person, who is further a possible buyer, wants to accomplish tasks on the run! From clearing utility bills to buying food or clothes, each job can be managed online.

With Smartphones and other handheld devices governing the tech society, e-commerce owners are discovering it pretty effective to encompass mobility. Simply put, mobility is steadily becoming to be an extremely significant aspect of e-commerce.

Automation: Mobility trends can drive to efficient automation of various methods. Members in the e-commerce platform can allow automatic payment options, billing, and publicity to their clients. Highly attractive and stunning apps are also of supreme significance, as they encourage and promote on-the-go operations like never before!

Technology: Every player in the business will attempt to go ahead the standards and produce a distinguished identification for themselves by steadily expanding newer and greater ideas which will further increase buyer interface and experience.

Acquiring new technology: Every player in the business will attempt to go ahead the standards and produce a distinguished identification for themselves by steadily expanding newer and greater ideas which will further increase buyer interface and experience.

Drone Delivery: Organisations have continued working their way around to invent the delivery method to reduce human energy as well as time. The solution to these difficulties is Delivery by Drones. DGCA is now fast tracking the process of announcing guidelines for the use of drones for civil purposes in India. If everything works as per the plan, then India might become the first nation in the world to acknowledge the use of drones for civil purposes.

Artificial Intelligence: As the e-commerce area becomes saturated, investors searching for innovative application of technology are zeroing in on corporations developing artificial intelligence (AI) solutions.

So what’s now?

There’s no suspicion that companies of all areas can considerably avail from revenue increase and productivity progress with an online proximity, but there still appears to be a doubt by the majority to fully encompass it. There is still a comprehensive lack of knowledge of these interests and concerns regarding the value of setting up and continuous carrying cost.

With the extensive use of social networking sites and buyers receiving information, guidance, and suggestions throughout their networks, Indian buyers attain to obtain big savings from online procuring. It’s never more been quicker or easier to explore for commodity information and access a wider range of data, bigger product choices and lower prices.

Accelerated extension will see obstacles to online retailing decline over time for various companies and consumers. With a growing amount of firms allowing assistance to retailers to set up an online presence, it will shortly become a no-brainer.

Users are now experiencing the mobile internet and making acquisitions on their Smartphones. Local retailers attain to obtain improvements in profits with an online proximity and will suffer if not prepared to meet the competition from offshore producers.

Future Of Blockchain Teclnology In Insurance Industry – Blockchainerz

What is Insurance?

Insurance is a method for security from money related loss. It is a type of risk management, principally used to support against the danger of an unexpected misfortune.

An Insuree may report a misfortune or a claim to a broker, and with the required data submits it to the Insuring specialists, specifically the Insurer, if applicable, the Reinsurer. The claim accommodation is confirmed by a receipt to the Insuree.

From that point onward, the Claims Agent may ask for extra data for the claim, through an outer source. After these step, if every one of the conditions is fulfilled, the claim is affirmed, and the installment is started via the Insurer’s Claim Agent. Insurance is revealed to a variety of fraud schemes. From sharing insurance plan after divorce to disguising medicinal diagnoses. Then how blockchain helps in this field?

Blockchain technology future is viewed as the greatest of an image of the fourth industrial revolution and a potential disruptor for some organizations and businesses including the insurance field. Even the technology is still in its an early phase, it has just demonstrated what it can do: streamline printed material, increment information security and spare organizations cost by removing tedious cases forms.

Recap On Blockchain Technology:

  • The blockchain is an extensive, decentralized advanced record that is dependably up to date and holds a record of the considerable number of exchanges made. Blockchain systems are intended to record anything from physical resources for electronic money and are openly accessible for all the included gatherings to see.

  • After check process, the block of a transaction is time-stamped and added to the blockchain network in a straight sequential request. The additional block is then connected to previous blocks, making a chain of blocks with data of each transaction made ever in the history of that blockchain.

How Blockchain Technology Can Benefit The Insurance Industry:

Blockchain was acquainted with the majority through Bitcoin, however, its applications go past simply recording of electronic cash. It can likewise empower inventive and troublesome changes in different industries other than finance, for example, insurance business model. Other than recording electronic cash and financial transactions, this technology can became part of insurance, healthcare project.

  • An insurance company mainly manages various procedures consistently that includes an insurance contract to be signed. The processes can be anything from getting an insurance policy, rating a customer, claiming or managing a fraudulent policy.

  • Since blockchain technology deals with smart contracts then, specialists from insurance industry claim this technology can possibly change the way insurers deal with customers. Insurance industry depends on lots of data much like various industries, blockchain may well end up empowering all or most data-related transactions for this industry through smart contract.

  • In this, the smart contract can encourage, execute, and enforce the negotiation or application of an insurance contract through blockchain tehcnology. Insurance contracts are unpredictable and hard understand, so the smart contract can empower productivity in the insurance esteem chain wherever time, exertion or money is spent to affirm information before preparing transactions.

OR

Key Points Of Blockchain Which Impacts On Insurance Industry:

1. Improve trust:

There’s an emergency of trust in the financial services industry. Despite the fact that the big banks are the main point, the disintegration of trust impacts all businesses. An absence of trust, high expenses and inefficiency of the insurance business all plays a part in the extraordinarily high levels of underinsurance. Blockchain technology encourages building trust of customers since it gives straightforwardness and transparency.

2. Enhance efficiencies:

While changing insurance agencies or healthcare suppliers knows how wasteful the information section process is to get coverage or care started. Moreover, customers have an undeniable dread of losing control over their own information. Blockchain gives an answer for drive efficiency and security that would enable the individual information to be controlled by an individual while confirmation is enrolled on the blockchain.

3. Enhanced claimsprocessing through smart contracts:

The insured and the insurer each as of now have issues that blockchain and smart contracts could resolve. Insured people commonly discover insurance contracts long and mystifying, while the insurance agencies are battling a various fraud which is extraordinary. Through blockchain and smart contracts, both of them would profit by overseeing claims in a responsive and transparent way. And it begins with recording and confirming contracts on the blockchain. At the point when a claim is submitted, the blockchain could guarantee that only substantialor valid lone cases are paid. But when network founds multiple cases are cliams submitted from same accident then blockchain could trigger installment of the claim with no human mediation, thus its improves speed of resolution for claims.

4. Fraud detection and prevention:

A standout amongst the most convincing reasons insurance agencies ought to research blockchain is its capability to detect & prevent fake or illegal activity. An expected 5 to 10 percent of all cases are fraud. Blockchain technology’s decentralized store and it’s historical record which can autonomously check clients, policies, and transactions for authenticity. Each insurance agency needs to make a move today to make sense of how blockchain innovation can affect the way they work together today and later on.

This is the manner by which blockchain technology will help or takes a part in an insurance industry in future. In the event that you need to refresh to concepts or want to read latest news related to Blockchain & Cryptocurrency Technology at that point remain associated with us.

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The Future Of Online Business Through Ecommerce Web Development

Importance of Ecommerce

Businesses are moving ahead fast in this technologically driven world. To keep pace with the changes happening in the business environment, businesses turn to Ecommerce web development to make their presence visible in the market. These web development companies also absorb the principles that will drive the future ecommerce and evaluate where the company’s business is headed in the future. It is therefore essential to develop a dynamic and interactive web site with feature rich design and user friendly applications. The companies can have more interactive features so that the consumers keep visiting them and interact with them on a regular basis. The contents need to be updated frequently to stay up to date with all the related information so that customers can make their buying decisions accordingly. The success of the businesses depends on the ease of use and security of the ecommerce web site with attractive product display and multiple options.

Design and developmet of web portals

When a company goes for a web portal, many things have to be considered before finalizing the web site design. The key questions would be who the target audience is, what the purpose of the web site is, what are the products or services to be displayed and where the other information would be placed. The answers to these questions will guide in determining the programs and applications that need to be associated with building the web site. Thus an attractive, professional and easy to navigate ecommerce portal can stand out on the web to promote the client’s business to reach his marketing goals.

Services offered through ecommerce web development

The ecommerce web development companies serve the business community by offering multifarious services that are converged to create the ultimate business portal that is user friendly for both the client and the consumers. The enterprise level ecommerce solutions let the clients to manage their products or services while streamlining the business processes by anyone without the need for technical skills and knowledge of web design. The services that are offered are web design, Corporate Identity, Ecommerce consulting, Website development, custom shopping cart, content management, system integration, logo development, application development and more. Most of the companies offer free consultation regarding custom ecommerce web development for companies going for ecommerce web sites.

Online Learning is the Future

With the advancement of technology, more and more people are enjoying convenience in fulfilling their various goals in life including that of obtaining education. A growing number of schools are now offering online degree programs in response to the need of busy working professionals and homemakers who lack the time to pursue a college degree. The convenience and flexibility these online schools offer are what normally attracts people to get an education via the Internet.

Online learning is gaining ground in the different parts of the world but is more popular than ever in the United States. A 2005 report entitled “Growing by Degrees: Online Education in the U.S.” confirmed a very bright future for online education with an enrollment growth rate over ten times the prediction of the National Center for Education Statistics. It revealed that online enrollment in the U.S. rose from 1.98 million in 2003 to 2.35 million in 2004.

An officer of Career College Association (CCA) disclosed that more than one million students were enrolled in fully online programs in the U.S. in 2005 while at least 55 CCA member institutions have purely online colleges. Among the popular online programs at the undergraduate and professional levels are business, technology, education, psychology and human services, according to Bruce Leftwich, CCA’s vice president for government relations. He said that flexibility in the delivery of online education is the key factor considered by those who would not be able to attend a traditional school like single parents, persons with disabilities and working professionals. With online learning, these people are given a choice to meet their needs according to their specific situations in life. It is also affordable as most online schools offer scholarships and grants as well as other financial aid programs.

Since the inception of e-learning, the technology being utilized has also improved. Current technology has allowed many online universities to provide students with numerous ways to interact with their faculty and classmates such as through email, bulletin boards and discussion groups. Interaction has a more positive impact on a student’s motivation and performance than just sitting alone before a computer accomplishing his or her assigned work. In online education, students are usually given passwords for them to log on. Upon logging in, they must follow course requirements for a certain day hence, their attendance and participation are being monitored. They are also able to connect with course facilitators and interact with other students unique only in online learning. Compared to the brick and mortar setting, online learning provides one on one mentoring which really help some students to succeed.

Education authorities agree that public acceptance of online education will continue to grow and although it may not surpass the traditional university programs, it is more likely that most graduates who join the workforce will have obtained experience with an online learning format at some point of their educational pursuit. Leftwich added that a significant factor to the growth e-learning is that more business organizations are putting importance to online education. In fact, a study by the American Society for Training and Development revealed that an estimated 29 percent of corporate tuition reimbursements go to online or blended programs. This goes to show that some working professionals indeed find it easy to pursue an online education.

Future of Online News Portals

No one thought that internet which began in the early 1990’s would have such a bright future that it will eventually hold such a powerful impact on our lives. Internet which is basically a global system of interconnected networks was made to serve billions of people worldwide irrespective of cast; creed or religion has today replaced many standard conventions of our daily lives. There is no surprise to the fact that most of the traditional media has also been reshaped.

For instance newspaper publishing has been remodeled to Web Sites, blogging and web feeds. When it all started, people were skeptical about the very whole idea of internet let alone forget about the news being remodeled. But as of now there are over a hundred million websites with billions of web pages. People are continuously switching to online media for news and entertainment related content, the reason being that nobody wants to pay for a thing that he/she can get foe free easily. As a result there is a constant slump (including some real big players of the industry) in the sales of the print editions of newspapers.

The online news sites often bring content that belongs to a particular geographical area but no one is complaining. For instance online gateways like India Report present select content from India. This kind of coverage gives the necessary focus which is required for such news related purposes and choice to people. The promise is reflected in the entertainment and sports section of these sites where the videos too are from local milieu keeping in mind the interests and preferences of people.

This kind of strategy of Online News Portals has a good chance of succeeding in near future with newspapers and the television media still lagging behind the online media. There will always be blogs and web feeds to supplement a newspaper or a news channel. Moreover news related content is available to the user as it happens, so no delay in reporting makes it a user friendly platform. Apart from serving news to the local public such portals are also reviving the interest of young generation in news and politics.

They continuously engage their audience by the means of polls, attracting attention with blogs and have an eye-catching photo gallery. As for entertainment these portals offer the content to the user at their convenience and in a crystal clear format with excellent sound quality making user experience an exciting one. The print and the electronic media have their task cut out. The online media have time going for them and there is no stopping them in near future also.

Business Plan – A Key That Decides The Future Of Your Business Startups

A business plan is a written document describing the nature of the business and the market strategies planned to achieve some goals. A strategic plan is like a road map towards the success where you have to drive safely as one wrong turn can ruin everything. To avoid the future bumps, you need a support of an investor who can be at your back for keeping you up-to-date with the distinctive strategies. Spend enough time on planning well the accurate investment proportions. Always remember that your plan contains all the general guidelines regarding the form and the content.

When a business planner decide to write-up, he comes along with many thoughts and imaginations to hold the project accountable for the projections and proposals it contains. It is not only about impressing an investor for the investment purposes, but it is about making a revolutionary change in the society to provide many with the reason to accept it. It should have a life of its own so to make you out from the common prudence. The right amount of capital and creativity decides the growth of your career with the plan. Have some patience, determination, and ability to go accordingly.

Crucial Things To Consider While Plotting A Business Plan:-

  • Determine Your Objectives – Imagining profit is not the only thing that bounds you to plot a good plan. It takes a lot of other goals and objectives to cast a shadow of better future. Sustainability of the plans is also important thing to consider, so let your mind explore different avenues than the profit only. Try writing some descriptive essays about your business goals to define them better to the world.
  • How To Go With The Implementations – After you plot the complete plan, the real struggle starts with the implementation that is tricky enough to shake up your roots. Have patience and plan the course of implementations well so you will get the sure shot success in all the financial, management, and marketing aspects. Be focused on the sustainability instead of only flow of money. Intend to use your plan for attracting the talented employees.
  • Backup Plans – Not everything goes exactly as planned. You need to be prepared for facing the consequences and time checks in between. Plan the backups for the pitfalls and be ready to face what you can do to take corrective measures as to figure out things well. Access your potentials and decide what strategies will work up for your business and future better. Planning is a coherent process, which doesn’t end until you get the desired results and maximum rate of return for what you have put in.

Post Apartheid South Africa – A Model For the Future Israel

With Israelis and Palestinians locked in a seemingly intractable conflict in which both peoples have legitimate historical and biblical claims to the same land and shared aspirations for Jerusalem as their capital, imitation of post-apartheid South Africa may be the best and perhaps only feasible means of establishing lasting peace in the Middle East. Post-apartheid South Africa is especially relevant since Israel has significantly changed the demographic nature of large swaths of the occupied territories (the West Bank, East Jerusalem, and Gaza) due to construction of Jewish settlements and because it presently bears a striking resemblance to the South Africa of 1948-1994 (apartheid was established 13 years prior to South Africa’s independence from Great Britain) before universal suffrage was introduced. The similarities and differences of post-independence South Africa (1961-1994) and Israel (1948-present), the effectiveness of sanctions and ultimate transformation of South Africa into a model state, and what the future can hold for the future Israel are discussed below.

South Africa: Apartheid / Israel: Zionism – A Neutral Assessment:

Hendrik Verwoerd (1901-1966) conceived the system of apartheid or segregation of races to ensure political and economic power remained in the hands of the minority white (notably Afrikaners sometimes referred to as “Africa’s only white tribe” who trace their African roots back to 1659 when the Dutch first settled at the Cape of Good Hope, which at the time was free of indigenous peoples who at the time dwelled deeper in the African interior) population since under a unified, multiethnic state, they would have been politically overwhelmed by the black majority who aspired for political representation and proportionate power.

Under apartheid, blacks were assigned citizenship to one of ten tribal-based, self-governing homelands linked loosely together for economic reasons while state education, medical care and other services were segregated. Consequently, blacks as non-citizens were unable to participate in South African elections and had little influence over the inferior services they received. Per A.J. Christopher, Partition and Population in South Africa (The Geographical Review, Vol. 72, No. 2, American Geographical Society, New York, April 1982), the South African government justified apartheid claiming “only a multiplicity of state identities [was] possible and that the partition… [was] essential for the political and cultural well-being of South African inhabitants.”

Theodor Herzl (1860-1904) is credited with creating Zionism, a movement aimed at creating a Jewish homeland in the Middle East (to end the 2000 year-period of Jewish diaspora) in response to anti-Semitism, anti-Jewish pogroms in the Russian Empire and the Holocaust perpetrated by Nazi Germany. It ultimately led to the establishment of modern Israel in 1948. Similarly, political and economic power in Israel is consolidated in Jewish hands with Arabs [notably Palestinians)/non-Jews (notably Christians and Muslims] having limited political representation.

To establish the modern Jewish homeland, Jewish peoples from around the world were encouraged to settle in the Middle East (under the slogan “A land without a people, for a people without a land”[1]) in spite of the presence of indigenous Arabs/non-Jews beginning in the late 19th century. Many indigenous Palestinian Arabs were expelled or fled just before and after Israel was established in 1948 (about 25% of the refugees were dislocated prior to the formal re-establishment of Israel) and in the aftermath of the 1967 war (estimated to be between 700,000-800,000 and 120,000-170,000, respectively). Zionists justify their movement with the argument that their ancestors had occupied the lands comprising modern Israel based on historical and biblical precedent.

Whose Land is it Anyway?

The land comprising Israel and the occupied territories was originally inhabited by an Afro Asiatic people called Canaanites who first arrived from Arabia at around 4000 BC with a second wave of Afro Asiatic peoples sweeping into the area between 2800-2600 BC.

The first Israelites led by Abraham did not arrive to the area comprising the Holy Lands until approximately 1800 BC upon which time they forcibly pushed the indigenous peoples, (likely Babylonians based on a letter written to the Egyptian pharaoh complaining about “troublesome invaders” from “all those tribes of land-hungry nomads (‘Hebrews’) who were attracted by the wealth and luxury of the settled regions, and sought to appropriate it for themselves” per Canaan (Fact Index)) aside.

From the Israelite perspective, they justifiably conquered Canaan because the land had been promised to them by God as is stated in Genesis 17:7-8: “And I will establish my covenant between me and thee and thy seed after thee in their generations for an everlasting covenant, to be God unto thee, and to thy seed after thee. And I will give unto thee, and to thy seed after thee, the land wherein thou art a stranger, all the land of Canaan, for an everlasting possession; and I will be their God.”

With that said, the seed of Abraham consists of Jews, Christians, and Muslims. Abraham’s son Isaac, later called Israel, is considered to be the ancestor of Christians and Jews while Ishmael, Abraham’s eldest son, is considered to be the ancestor of Muslims.

Although, based on Genesis 21:10, Sarah, Abraham’s wife convinced him to disown his eldest son (under malicious pretenses due to the fact that Jews based on oral and written tradition currently view Ishmael as “wicked (though he did no wrong) but repentant” to benefit her natural born son) – “and she said to Abraham, ‘Get rid of that slave woman and her son, for that slave woman’s son will never share in the inheritance with my son Isaac” she had no legal basis. Under Mesopotamian law of the land, Ishmael was considered to be Abraham’s legal heir.

Simply put, the root of the Middle East conflict is based on competing claims regarding Abraham’s rightful heir. Jews and generally most Christians view Isaac as Abraham’s rightful heir in direct dispute with Muslims who place Ishmael in this position based on legal precedent.

In reality, if Genesis 17:8 is to be taken literally as the word of God, the land was promised to ALL of Abraham’s descendants – thus Isaac and Ishmael and all of their descendants are divine heirs. Consequently, the land has been occupied during different stages of history by Jews, Christians, and Muslims. With each having legitimate historical and biblical claims to the same land, the only practical option is for it to be shared.

Partition vs. Unitary Multi-ethnic State:

Starting in 1986 (after the minimal effectiveness of the Sullivan Principles that had been enacted in 1977 to integrate U.S. corporations doing business in South Africa with the anticipation that integration would eventually carry over to the country’s society as a whole), when the United States joined the international community in imposing economic sanctions on South Africa to bring an end to apartheid, creation of an Afrikaner homeland in the western third of the country (consisting of Pretoria, Port Elizabeth, and Cape Town) and adjustment of homeland boundaries to give blacks a greater share of natural resources and thus enhance their economic viability were among the options considered. The black majority led by the African National Congress (ANC) rejected such partitions arguing, per Knolly Moses, Apartheid’s Foes: Who’s Who in South Africa (Emerge, Vol. 1, Issue 5, March 1990) “South Africa belongs to all who live in it, black and white, and that no government can justly claim authority unless it is based on the will of the people.” Likewise, Nelson Mandela (b. 1918) recipient of the 1993 Nobel Peace Prize who was elected President of South Africa in 1994, reiterated ANC demands of “one person one vote in a unitary state” during a February 15, 1990 interview on Johannesburg Television Service when discussing negotiations with then President F.W. de Klerk (b. 1936) of the ruling National Party.

Two-State Solution: Untenable

With massive Jewish settlement construction over the last three decades in the Occupied Territories, continued Judaization of East Jerusalem, and demographic realities, a two-state solution is no longer tenable since any Palestinian nation is likely to be non-contiguous or barely contiguous at best and economically dependent similar to black homelands established by apartheid South Africa. Furthermore, even if a viable two-state solution was implemented today, it would only delay the inevitable when Palestinian Arabs would outnumber Israeli Jews, which in the words of then Israeli Prime Minister Ehud Olmert (Kadima) (b. 1945) during a 2007 interview, would lead to “‘a South African-style struggle for equal voting rights’ in which case ‘Israel would be finished'”[2] after enduring increasing isolation and economic damage from likely international sanctions aimed at compelling implementation of universal suffrage, both of which could lead to Jewish emigration.

Based on current birthrate trends, Palestinian Arabs are expected to reach population parity in the territory comprising Israel and the occupied territories by 2016 per Iqbal Tamimi, Changes in Palestinian Demographics (Palestine Think Tank, 20 June 2008)). Furthermore, based on Yossi Alpher’s article, Too late for two-state? (Haaretz, 20 February 2004) Palestinian Arabs will attain majority status between 2054 and 2074 in Israel proper when the occupied territories are excluded rendering an Israel under compulsory minority-rule impractical and illegal based on Article 7 of the 2002 Rome Statue of the International Criminal Court that states that acts committed against “an identifiable group on political, racial, national, ethnic, cultural, religious, or other grounds… in the context of an institutionalized regime of systematic oppression and domination of one racial group over any racial group or groups… with the intention of maintaining that regime” is a crime against humanity.

Consequently, per Daniel Gavron as reported by Peter Hirschberg in One-state awakening (Haaretz, 12 October 2003), “we (Israeli Jews) are left with only one alternative: Israeli-Palestinian coexistence in one nation” since the land “cannot be sensibly partitioned” adding, “If Israeli Jews now wish to secure their long-term future in the region, they must agree to abdicate Jewish sovereignty and move swiftly, while the balance of power still tilts in their favor, to a multiethnic democracy.”

Last, a one-state solution may be one of the “alternatives” alluded to by Arab League Secretary Amr Moussa (b. 1936) when he stated, “We have to study the possibility that the peace process (the current two-state approach) will be a complete failure. We have to have alternative plans…” in light of the current stalemate, in which talks have not been held for more than a year and appear unlikely to resume anytime soon as reported by Avi Issacharoff, Arabs must ‘prepare alternatives to failing peace process’ (Haaretz, 27 March 2010).

Is a Multi-ethnic, Unitary Israel Feasible?

Evidence based on the peaceful transformation of South Africa from white-minority rule to black-majority rule in which Afrikaner fears of genocidal retribution (with the 1838 Battle of Blood River that followed an attack on Afrikaner encampments in which Zulu warriors also slaughtered women and children, in which 10,000-15,000 Zulu attackers were defeated by 470 Voortrekkers led by Andries Pretorius (1798-1853) ingrained in their psyche) were never realized (even though Mandela who at the time of his release from prison in 1990 expressed his desire for peace and reconciliation, refused to renounce armed struggle) bodes well for Israel’s Jews despite their fears that a one-state solution will “bring one war. A bloody war with no end.”[3]

Nevertheless, even when South Africa was subjected to international economic sanctions, white South Africans resisted change citing an existential threat, an argument echoed by the vast majority of today’s Israeli Jews. Per Ali Abunimah, Israeli Jews and the one-state solution (Al Arabiya. 17 November 2009), the concept of majority rule to white South Africans “engendered ‘physical dread’ and fear of ‘violence, total collapse, expulsion and flight'” as late as 1988 (again the same holds true with today’s Israeli Jews when they envision a future under majority Palestinian Arab rule). Accordingly, 80% of white South Africans rejected the notion of universal suffrage for their country with their President, F.W. de Klerk declaring in 1989 that such a development would be that country’s “death knell.”

Consequently attempts were made to convince the ANC to accept some sort of power sharing or partition of South Africa, which they steadfastly rejected. Similar demands have been made by the two most recent Israeli Prime Ministers. Both Olmert and Benjamin Netanyahu (Likud) (b. 1949) have insisted that Palestinian leaders recognize Israel’s “right to exist as a Jewish State,” a development that is unlikely to occur.

However, per Ali Abunimah, Israeli Jews and the one-state solution, “there are few reasons to believe [Israel’s transformation into a multi-ethnic unitary state] cannot be a well-managed process” like that of South Africa.

Statements by key Palestinian leaders indicate such a transformation is likely. Per Neturei Karta meeting with Haniyeh in Gaza (Ynet, 16 July 2009), Gaza Prime Minister Ismail Haniyeh (Hamas) (b. 1963) during a July 2009 meeting with four leaders of the Neturei Karta Jewish sect (which even though they have been widely disavowed in Israel because of their belief that the country should not have been established until the Messiah, in their opinion, had come, nevertheless is relevant since it portrays Haniyeh’s views towards Jews in general) declared, “Jews are not the enemies of the Arabs or Muslims. Our problem is with the occupation… and its desire to disperse all the Palestinians.” Similarly, Osama Hamdan (b. 1965), a senior Hamas official, when envisioning a multi-ethnic Israel under majority-Palestinian rule “urged the peaceful co-existence of Jews and Arabs” pointing out “a Jewish community lived for centuries in Nablus and remains to this day unharmed and has not be expatriated” per Hamas urges coexistence under Palestinian rule (Al-Arabiya, Dubai, 20 May 2009). In addition, Anas Altikriti in Hamas is not al-Qaida (Guardian, 21 September 2009) wrote that Hamas leader Khaled Meshal (b. 1956) in an interview “clearly stated that the Palestinian struggle was anything but a conflict between Muslims and the Jewish people [insisting] that the Palestinians were fighting against the occupier who had dispossessed them of their homes and lands, regardless of religion, creed or race.” Altikriti also added that Meshal “also went on to confirm that the concept of coexistence was largely present in the Palestinian psyche, and that genocide, as suffered by Jews in Europe (which he described as ‘horrible and criminal’) was alien not only to the Palestinians but to the inhabitants of the region as a whole.” Likewise, as reported by Daniel Pipes, Salam Fayyad Says Yes to Jews Living in a Palestinian State (5 July 2009), Salam Fayyad (Fatah) (b. 1952), West Bank Prime Minister stated, “the kind of state that we want to have, that we aspire to have, is one that would definitely espouse high values of tolerance, co-existence, mutual respect and deference to all cultures, religions. No discrimination whatsoever, on any basis, whatsoever. Jews to the extent they choose to stay and live in the state of Palestine will enjoy those rights…”

As a result, per Peter Hirschberg, One-state awakening, Daniel Gavron “believes the aspirations of Jewish history, religion and culture can all be fulfilled [in a multi-ethnic unitary state]. ‘The Jews will be able to observe their national and religious festivals in their ancient homeland. They will be able to create their unique Hebrew culture.'”

South Africa’s Transformation: Model for the Future Israel:

The remarkable transformation of South Africa from a state built upon minority white rule, creation of pseudo-states to disenfranchise the black population and racial segregation is now, with a foundation built upon a platform of freedom, democracy and human rights, a leading model for others to follow. The peaceful, orderly transition to majority rule, inclusiveness and respect for all, despite the country’s brief move to the right as South Africa’s system lost international legitimacy, and existential, genocidal fears by the then ruling minority and its supporters, illustrates that such a redemptive transformation is possible for other countries.

Fifteen years after South Africa made the transformation, Jacob Zuma (b. 1942), a month prior to his election as the country’s third post-apartheid President per Karin Brulliard, White Afrikaners in S. Africa Hear Inclusive Voice From ANC Leader (The Washington Post, 14 April 2009) declared when addressing the white minority population, “I cherish being a Zulu, so should you cherish being Afrikaners. I’ve always said we are a unique country. We’ve got a tribe, a white tribe, that is African in every respect.”

With Palestinian Arab leaders and scholars expressing their acceptance and support for tolerance and human rights as well as their respect for the Jewish culture, such an inclusive transformation is likely for Israel should Middle East peace efforts eventually focus on creation of a multi-ethnic unitary state that embraces universal suffrage regardless of religion, ethnicity, and gender.

If this is accomplished, it is possible, Israel could tear down its security fence that Palestinians and much of the world view as a separation wall and dismantle its nuclear arsenal estimated to consist of just over 200 warheads that currently threatens widespread regional proliferation. Just prior to majority rule, with little need to possess nuclear weapons to deter enemies that threatened the country’s apartheid rule, South Africa dismantled its arsenal of 6 nuclear bombs and became a signatory to the Nuclear Non-Proliferation Treaty and Chemical Weapons Convention in 1991 and 1995, respectively.

In addition, if Israel is transformed into a multi-ethnic unitary state, both Aliyah – the right of any Jew to legally immigrate to Israel and the Palestinian right of return – the demanded right that all first generation Palestinian refugees and their descendants (estimated to exceed four million) who either fled or were driven from the land during Israel’s establishment in 1948 [referred to as Nakba (day of catastrophe) to Palestinians] and in the aftermath of the 1967 war – could be reconciled into a cohesive policy in which neither would oppose the other.

Conclusion:

With the current Middle East efforts focused on a two-state solution in which a peaceful Palestine and Israel would co-exist side-by-side seemingly bogged down because population redistribution and settlement construction, the demand of both sides for Jerusalem to serve as their capital and the contention of the two sides towards the other’s “right of return” in due part because of their legitimate historical and biblical claims to the same land, it appears that post-apartheid South Africa may serve as the only way out of the seemingly endless conflict.

Perhaps if Israel was transformed into a multi-ethnic unitary state in which both Jew and Palestinian Arab could lawfully exercise their right of return, each group’s (Christian, Jew, Muslim) cultural, political, and human rights were guaranteed, the constant conflict between the descendants of Ishmael and Isaac as stated in Genesis 16:12 – “…his (Ishmael’s) hand will be against everyone and everyone’s hand against him, and he will live in hostility toward all his brothers” could be resolved in the same way Ishmael and Isaac came together in peace upon Abraham’s death as recounted in Genesis 25:7-10: “Altogether, Abraham lived a hundred and seventy-five years. Then Abraham breathed his last and died at a good old age, an old man and full of years; and he was gathered to his people. His sons Isaac and Ishmael buried him in the cave of Machpelah near Mamre, in the field of Ephron son of Zohar the Hittite, the field Abraham had bought from the Hittites. There, Abraham was buried with his wife Sarah.”

If so, Isaiah 2:4 – “They will beat their swords into plowshares and their spears into pruning hooks. Nation will not take up sword against nation, nor will they train for war anymore” and Isaiah 65:25 – “‘The wolf and the lamb will feed together, and the lion will eat straw like the ox… They will neither harm nor destroy on all my holy mountain,’ says the LORD” could be fulfilled establishing lasting peace.

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