Category: Opinion – Archives

  • Shaziya Khan: Tote of Personal Finances – Part 3: Pizza, Paisa and Opening the Box

    This is the third in our 10-part fortnightly series where Shaziya Khan focuses on the allyship of brands for financial savviness of women and girls. Link to the first two parts: Is there a Burden of Hidden Emotions Women carry in it? and What’s ‘Said’ Scratches the Surface of What’s ‘Experienced’

     

    By Shaziya Khan

     

    Shaziya KhanThere is a progressive attitude shift among both men and women – women and girls must be financially savvy.

     

    However, there is a gap between the progressive attitude and current behaviour.

     

    Allyship of brands is much-needed to help bridge the gap.

     

    Allyship at influential points of this bridge is relevant, progressive and timely. Particularly for brands in the financial category, but also for brands across all categories to whom progress of women and girls, matters.

     

    We’ve learnt, that women feel uncomfortable about taking decisions about “their” personal finances!  When we empathetically examine women’s journey of personal finances we see this could be due, partly, to  factors like dependency, ‘norms’ and subtle conditioning.

     

    The well-honed, generational skills of women in  saving, budgeting, bargaining lend a natural inclination towards  prudence, thoughtfulness, goal orientation. All rational qualities well suited to financial savviness! Despite this ‘bent of mind’,  home finance experiences why are women less comfortable, less decisive about personal finances?

     

    Guided by the truth that people hide their true emotions, we dived deep – beyond these rational factors to solve the puzzle.

     

    Pizza, a story  

    There is a pizza story that sheds light on many emotional sensitivities at play in women’s financial decision making. To buy a pizza for herself, a mother confessed, she ‘has to’ highlight ‘the child wants pizza’ and it was “allowed” as a “treat”. Else, she feared, it would be perceived as “lazy mother doesn’t want to cook fresh wholesome food at home, instead orders expensive “outside food”.

     

    The strain of these perceptions indicates that even a small purchase by women, is carefully calibrated. It hinges on factors like dependency, approval, validation, rationalisation, role expectation, boundaries, coping mechanism, personal image etc. Often multiplied 10x in the case of larger financial decisions.

     

    Uncomfortably mindful of creating, inadvertently, negative perceptions, for the smallest of financial requests, women tread on eggshells, emotionally speaking.

     

    Paisa, a ‘boxed-in’ feeling

    How does this pizza decision making get magnified 10x for paisa decision-making? The weight of emotional, contextual factors make her feel uncomfortably “boxed in” about personal finances. ‘Emotionally speaking’ is in a flat, dull, cardboard box. A bit like the pizza.

    In a situation of ‘dependency’ on family/spouse financially, a woman treads carefully. She ‘has to’ navigate within her role, its unspoken ‘rules’. She cannot risk a negative perceptions. Compounded effect of these factors is that she has little agency to discuss, navigate, all out purse financial savviness.

     

    Allyship to help ‘open up’

    Allyship  to ‘open up’, enlighten, enhance the context for financial savviness can go a long way. When the immediate context around women’s personal finances shifts from one of ‘compression’ to one of ‘expansion’, women and girls can have more agency to pursue financial savviness. Expansive contexts matter, and they can be sensitively shaped to encourage positive ripple effects in the domain of personal finance.

     

    Hungry to make women and girls more financially savvy? Time to take paisa ‘out of the box’ of emotionally straining factors.

     

    Shaziya Khan is National Planning Director, Wunderman Thompson. She has won the Jay Chiat Grand Prix  for Strategy and Three WPP Atticus Global Awards for ‘Original Thinking in Marketing Communication’. Her views here are personal. 

     

  • Shaziya Khan: Providing Women Personal Space for Personal Finance

    This is the fifth in our 10-part fortnightly series where Shaziya Khan focuses on the allyship of brands for financial savviness of women and girls. Link to the first three parts: https://www.mxmindia.com/category/columns/shaziya-khan/

     

    By Shaziya Khan

     

    Shaziya KhanTote of Personal Finances: needs personal space

     

    A key attitude shift is the need for women and girls to become financially savvy.

    There is much good work to be done, now and in the future, in this area. There is a distinctly uncomfortable relationship women have with personal finances. Yes, that’s right, with their own personal finances. The clue to defining the problem, lies in the name. Personal finance is not regarded as personal, because there is insufficient personal space to engage with it.

     

    To empathetically understand why this so and what are the zones of allyship, to enable this personal space, matters. This is relevant for several brands, in the financial category, across other categories too, for whom progress of women and girls matters. Guided by the truth, that there is a human emotional glue to every business challenge, we set out to understand more of what is going on or not. We unpacked, what is personal and what is not.

     

    HOME BUDGET IS PERSONAL

    Women profess considerable personal ownership of household finances.

    Their well-respected budgeting savviness is often transferred across generations and relations. In this domain, women are not only comfortable, they are astute, demonstrating mastery in managing smoothly, despite constraints, uncertainties. Regularly exercising efficiency, finesse, forward thinking and more. “I managed”, “I will cope”,  “Leave the matter with me, do not worry now”. Amazing anecdotes abound behind these oft heard remarks. Real life stories, cue personal ownership, a courageous stepping up to challenges,  strong sense of responsibility for making  “it all work” for the benefit of all at home.

     

    SAVING ‘EXTRA’ IS PERSONAL, TOO

    In small savings behaviors, too, women exhibit personal ownership. They demonstrate a delightful resilience, a “lean in” attitude, an ingenuous “opt in” to opportunities, a quick grasp of outcomes. In short, “making the most” of what is “within their means”. Women have a dynamic, evolving well habituated small saving behavior pattern. From the monthly home budget itself, occasional gifts, windfall gains, festive, weddings or other celebrations as well as bargain hunting, exchanges, informal lending, recycling.

     

    LEANING INTO SMALL EARNINGS IS PERSONAL, TOO

    Also, women nurture ingenuity in small services they can personally provide or help to organize via other women in their ‘circle’. Often, they ‘make the best of’ channeling innate talents or acquired skills for “little extra” earnings. For instance, teaching, tele / online services, being an ‘agent’, cleaning, repairing, grooming or gourmet services. They actively seek opportunities, drive word of mouth, network. They advertise their offerings, work extra hours, build a loyal circle of customers. In short, they demonstrate personal ownership toward “every little helps” earning avenues.

     

    WHY ARE OTHER MATTERS OF PERSONAL FINANCE NOT SEEN AS PERSONAL?

    Savviness in budgeting, small savings and earnings, piques our curiosity. With such keen skills, a financially active mindset, why is a sense of personal ownership, in other matters of personal finance so muted (insurance, investing, banking and so forth)?

     

    We learnt, there is little personal space for women to engage in personal finances beyond home budgeting, saving, small earnings. On the surface there is much personal space – best described via sentiments like “everything is yours”.  Indeed, for many women, there is financial protection in the warmth of familial bonds. Yet, even this rousing emotionality, can and does have personal boundaries.  Several factors collide to create narrow personal financial boundaries, erasing personal financial space, eventually erasing personal financial ownership.

     

    • Discouragement: Several women have experienced discouragement, passive or aggressive, when mildly inquiring or seeking clarifications on financial documentation, leave alone requesting formal agency.

    • Exclusion: Women’s exclusion during significant family financial discussions is ‘normal’. They are ‘informed’, at a later stage, ‘when appropriate’. The range of exclusion extends from being entirely excluded; initially kept ignorant, unless they find out for themselves; being included, but more as a “favour” or obligation, versus a natural right.

    • Collective pool: Thirdly, women’s earnings are kept and managed in a collective pool in accounts held by other family members, entirely or jointly. There is visibility of her personal finances to other members of the family, who assess, manage, use, transfer and so forth. Anecdotal evidence abounds from working women whose earnings are rarely kept with them, rather bulk of them are “handed over” to and for “the family”.

    • Answerable to others: Women find they are ‘answerable’ to any questions on personal finances. As a result of this lack of privacy, women find themselves having to ‘answer’ questions about their personal finances. What is money being spent on, why, how and so on. This behavior pattern pre-sets limits on what is permissible or not for them.

    • Extreme discretion: Speaking in whispers, out of range of other family members, not fully disclosing personal financial questions, worries, plans, ideas are common behavior.

    • Invisibility: Many women are compelled to take financial discretion to a different level, when they request financial assistance. Rather than be given to the women, they request it be given directly to the women’s beneficiaries like their parents, siblings, spouses, children etc.

     

     

    ALLYSHIP FOR PROVIDING PERSONAL SPACE, FOR SAVVINESS IN PERSONAL FINANCES

    In effect, we are learning that many women feel that apart from home budgeting, small savings and earnings, they have little personal ownership and agency in other financial matters. Providing personal space for women to engage more with the gamut of personal finances, is an area of allyship. This personal space can be enabled via education, advocacy, role models, communication, innovation, value added services. Providing personal space enables personal ownership of personal finances. This is a vital step on the journey to savviness in personal finances. Personal finance is personal.

     

    Shaziya Khan is National Planning Director, Wunderman Thompson. She has won the Jay Chiat Grand Prix  for Strategy and Three WPP Atticus Global Awards for ‘Original Thinking in Marketing Communication’. Her views here are personal.

     

  • 7 Emotional Keys to Growth for Brands engaging Millennials

     

     

    By Shaziya Khan

     

    Shaziya KhanI had been looking at data on Millennials for many months. Fascinated with the distinctions, nuances being signalled through the reports.

     

    (Millennials is the term used to describe a person born between 1981 and 1996, 27 to 42 years, though different sources can vary by a year or two).

     

    Curious to understand Millennials more, I continued synthesising primary data from several depth interviews, tracking secondary data from Wunderman Thompson BRICS Millennials Report, reviewing Target Group Indexing data (TGI) focusing on Millennials, SEC B, graduates (which a report, cited as a significant group). Added to which, at a WPP Stream Seminar, several Millennials shared their views generously, eloquently and candidly, one on one with me – for which I am deeply grateful. All these inputs provided a rich, multi layered, well rounded background perspective on this particular audience.

     

    Dramatically – it was in the middle of witnessing a melt down at a Millennials Seminar amongst the Millennials presenters, that the hard won nuggets from months and months of prior work, crystallised.

     

    Thereafter, this piece practically wrote itself.

     

    What triggered this inspiration? In the course of the post presentation discussions, the Millennials, who were the presenters as well as the hero subjects, expressed to us (in the audience) vehemently that most people did not understand them – that it was happening again, even at their own seminar!

     

    Sharing below, seven emotional keys to growth for brands and businesses engaging with Millennials, and wanting, needing to understand them.

     

    Businesses find it hard to capture emotions. More so, when engaging with complex, multi-layered target audience like Millennials, who frequently keep changing, and evolving too.

     

    The learning is: Making, enabling, supporting, yielding, championing space for self discovery – can be a vital emotional root of growth for brands and businesses addressing Millennials.

     

    Sharing seven keys each amplifying the significance, nuances, shades of self-discovery that can matter when communicating with Millennials. Some more than others, in particular contexts.

     

    Self-discovery as an emotional root of growth has broad relevance for a variety of brands and businesses that are seeking to connect better with Millennials – such as product brands, service brands, employer brands, education brands, travel brands, media brands, corporate brands, leadership brands etc.

     

    1. ‘OWN BRAND’ FILTER RULES

    Seriously, each Millennial first thinks of his or her own personal brand before any other brand. And they cannot stand lowering the standards of their own brand, as they consider their own personal brand a high integrity brand.

    Own brand’ filter match is one of the biggest triggers (or barriers) to brands that Millennials embrace (or do not)

    Illustrative statements (with high index scores among Millennials) indicate how ‘own personal brand’ can flex in their attitudes, behaviours: I think fast food is all junk, I can’t stand even a little bit of untidiness, I have a very good sense of style, I am responsible for everything that happens in my life etc.

     

    Implications for actionable new brand work

    This implies that the target audience : : brand relationship is possibly reversed. Your brand is what the Millennial searches using his/her “own brand filter”. Thus, understanding how Millennials view their “own personal brand” matters – its associations, values, and especially its proximity (or distance) from your business brand values, associations etc.

     

    2. ‘CONSTANTLY CHECKING’ SCEPTIC RULES

    As a Millennial put it to me “our whole lives we have been processing data”. Millennials have learnt the hard way, that what people say is not what they do. Across families, organisations, media and so on.

    So, they habitually keep going to the source – to verify what is being said versus done.

    Even while meeting someone, they are multi-tasking: finding out everything about that person. “No Facebook, I would rather go to the source to check” – Millennials explaining how they check on everything.

    Illustrative statements (with high index scores among Millennials) indicate how ‘constant checking’ can flex in their attitudes, behaviours: I am worried that any personal information I share online will not remain secure, I am usually among the first among my friends to know what is going on, I regularly clear my cookies from internet browsing history.

     

    Implications for actionable new brand work

    This implies that trust is the most elusive currency in Millennial worlds. Millennials at their core, trust nothing, nobody, except their own values. This is often, from a place of prudence and validation. Understanding what Millennials believe of the claims in your category, adjacent categories and what/who are sources of credibility in their eyes, matters.

     

    3. ‘BEING TOLD IMPLIES INCOMPETENCE’ RULES

    The fault lines in many Millennial relationships (personal, professional) are to do with being subject to over instructing and under stimulating, in their eyes.

    What connects most with them is empathy, sensitiveness. Lack of this, and a glut of the ‘obvious’ (instruction, direction) leads to a melt down or worse, silent withdrawal.

    Millennials respond to stimulation better than they do to instruction, to guidance and enquiry than to direction. What resonates is something not with an ‘agenda’.

    Illustrative statements (with high index scores among Millennials) indicate how ‘stimulation and enquiry’ can flex in their attitudes, behaviours: I really enjoy any kind of shopping, I ask people for advice before buying new things.

     

    Implications for actionable new brand work

    Explore and develop indirect, stimulating, enquiry oriented ways to have Millennials engage emotionally or intellectually with your brand or business.

     

    4. ‘SUBTLETY WINS’ (AS IT ACKNOWLEDGES THEIR SMARTNESS) RULES

    On a related but separate note, apt subtlety matters. Millennials switch off when something is made too obvious, because they are a generation that ‘gets it’. What resonates, is subtle content, or apt context.

    Illustrative statements (with high index scores among Millennials) indicate how ‘subtlety’ can flex in their attitudes, behaviours: When I buy a product, its style and design are as important as its quality, I often refer to the internet before making a purchase.

    Subtlety is perceived as a brand’s validation and acknowledgement of Millennials innate smartness. In contrast, trying too hard is perceived by Millennials as almost an insult their smartness, and worse – a sign that a brand does NOT ‘get them’.

     

    Implications for actionable new brand work

    Test a few subtle executions (with apt contexts, cues) and see for yourself how rewarding the Millennial audience finds it. For starters, test new acronyms, short forms and see the thrill of them ‘getting it’, and that your brand ‘gets them’.

     

    5. ‘ARGUE LESS, WITHDRAW MORE, QUIETLY MOVE ON’ RULES

    When it comes to feeling dis-connected, Millennials can be relatively silent, or withdrawn in their expression. Millennials are hyper sensitive, and also, astute with regard to almost everybody and everything.

    Illustrative statements (with high index scores among Millennials) indicate how ‘quiet withdrawal’ can flex in their attitudes, behaviours: I do not like to show my real feelings, I have refused to buy products of a company of which I disapproved, how I spend my time is more important than the money I make.

    Silence is not a sign of acquiescence but can often be a sign of ‘checking out’ from Millennials.

     

    Implications for actionable new brand work

    Test a few stimuli that evoke mere silence or disengagement and you might then uncover a zone that deeply upsets them – albeit silently. And in turn, explore the OPPOSITE of that: to counter intuitively, discover what deeply engages, them and why so.

     

    6. ‘CHANGING ONE’S MIND IS GOOD’ RULES

    Get used to the fact that Millennials can keep changing their minds. Millennials are frequently charged, even blamed, for being a generation that keep changing its mind. Education, career, friends, locations, food choices – keep changing for Millennials.

    Their eloquent defence is that they are processing data, stimulation, discovery all the time. Their minds, hearts are always dynamic, evolving, and responsive.

    “It is the burden of the evolved” – as one Millennial explained to me.

    For them it is normal to keep changing one’s mind. Millennials like options. They don’t want to be boxed into one way.

    Illustrative statements (with high index scores among Millennials) indicate how ‘changing one’s mind’ can flex in their attitudes, behaviours: I find I am easily swayed by other people’s views, it is important to keep learning new things through out your life, news on food influences my dietary habits.

    Change signals evolving, not merely change for Millennials.

     

    Implications for actionable new brand work

    Keep a finger on the pulse of changing category and also life trends, for Millennials. Keep your brand and business in sync with how Millennials are evolving in this regard. Understanding why they have changed with regard to your category.

     

    7. ‘MY JOB DOES NOT DEFINE ME’ RULES

    Millennials have disconnected with snappy or easy definitions of identity. They anchor self, identity in something human, fundamentally. Something more connected to the world outside, and the self inside. Millennials believe they have an uncaged identity, anchored in intangibles like values, concepts, more; and less in tangibles, or what is familiar, or what is a generalisation eg. a kind of job.

    Millennials defy easy definition, they seem to loathe generalisation because each person, context, challenge is different, for them.

    Illustrative statements (with high index scores among Millennials) indicate how ‘defying job based definitions’ can flex in their attitudes, behaviours: life should be more than a career, it is okay to work in unconventional careers, I like to pursue a life of challenge, novelty and change, I am prepared to make lifestyle compromises to benefit the environment.

    It can be a mistake to cast Millennials identity into familiar moulds (demographics, work, etc.). Not-ness can be starting point to understanding them better.

     

    Implications for actionable new brand work

    Write a new kind of consumer pen portrait based on who the Millennial target audience is NOT. It can help to dispel perceived stereotypes, about them, and see them in fresh light.

     

    IN CONCLUSION

    Communicating with Millennials might seem like a lot of work. But it is not. The bottom line echoing through the keys is – not trying too hard and letting them think for themselves. Self-discovery is a vital emotional root of growth for brands, businesses addressing Millennials.

    You don’t have to figure it all out, because they will. And thank you for letting them do so.

     

    Shaziya Khan is National Planning Director with Wunderman Thompson.

    First published by the writer on her LinkedIn handle. Republished with permission of the writer.

     

  • Fun in Category Creation

     

     

     

    By Shaziya Khan

     

    Shaziya KhanAs a species, the childhood of humans is the longest, which implies the longest time for play. As life expectancy rises, there is more time for leisure (globally life expectancy has increased by 6 years, as per one estimate). For this reason alone, and several others, fun matters.

    It is both interesting and important to see how vital fun, playfulness, bliss, enjoyment, liberation are. Relatedly, how businesses and brands can tap into this understanding of fun, playfulness, for making more meaningfully, apt connections with people.

     

    SPARK OF INSPIRATION

    This article was sparked by a pattern observed for several years (which recent experiences, cemented). This is the story of how it came about:

    Travelling to a peaceful part of a war torn country overseas, on a longish work assignment, is where the inspiration struck.

    I was surprised to see people having so much fun, the same people had lived through and were living through uncertainty, trials and tribulations. Yet, their zestful spirit, generosity, warmth, humour spilled over and embraced all. These qualities were not only intact, but abundant right in the midst of rather trying circumstances.

    Meal times were grand, fashions were extravagant, plans were exciting.

    Basking in their effervescent spirits, as a visitor, but still mystified by them – I finally asked : how are you people like this? how are you able to be so fun loving and care free given your circumstances? Most of their answers were to the effect: when life is uncertain, or problematic, one makes the most of every bit of good one has, rather worry about what is going to happen. The views shared were surprising, impressive, simple but also quite profound. There must be more to learn here, I imagined.

     

    FUN – A SERIOUS MATTER

    I was set on a path of curiosity – to discover more about the real place of fun in the human experience. Again, to my surprise, I learnt that even in serious fields like philosophy the topic of fun is regarded as important!

    Indeed for philosophers, fun is vital to the human experience, contributing meaningfully at several levels. Democritus believed that the goal of life was contentment or cheerfulness.

    Homo Ludens (“Man the player”), a book brings out the natural basis of playfulness and fun. It argues that “Play is older than culture, for culture … always presupposes human society, and animals have not waited for man to teach them playing.”

    On a related note, another book Play, Playfulness, Creativity and Innovation, argues that playfulness facilitates originality in nature and society (so a lack of it should be particularly worrying).

     

    FUN – AN UNLIKELY BUT MEANINGFUL ROOT OF GROWTH

    In short, fun, playfulness can be the basis of a lot of good. It is not only an ancient root of personal growth, it is so – across a variety of human experiences.

    Fun is an unlikely but meaningful emotional root of growth for: learning, education; adjustment; well-being, health; social engagement and life skills.

    Thus, businesses and brands, operating in these areas, definitely, and in others too potentially, could find it useful to leverage the fun, playfulness lens and potential of their category.

    I believe modern day businesses and brands could benefit from seeing or making a fun connection! Especially for new categories, for spurring growth.

     

    BUSINESSES FIND IT HARD TO CAPTURE EMOTIONS

    Businesses find it hard to capture emotion, especially a ‘non serious’ emotion like fun.

    The roots of an emotion like fun can be harder to take note of, discern and capture let alone articulate. Yet, the pursuit of growth, demands, I believe, tools and analyses to uncover new (especially surprising) roots of growth.

    This analysis brings additional clarity, sheds biases, baggage, helps businesses and brands stay alive to their unique human connection; stay true to what is emerging now and for the future, and can be the basis of thriving, surviving.

    This clarity is required – to pursue fresh human centred design, customer experience, engagement, innovation, communication, evolution and re-crafting category and brand worlds to be in step with people, and times.

    Non-linear tools (like mind maps) are a useful type of analysis to get going. Sharing a brief map of why fun matters (more so now than ever). Sharing a short take on a very large topic based on synthesis of multiple reports and studies related to the topic (source: Warc, Medium, psychology studies, GFK, Brandz)

     

    RELEVANCE OF FUN – IN EFFECTIVENESS, VALUES, MEANING

    What puts a bow on the growing relevance of fun for people, and brands engaging with them is – that as leisure time has increased, so have opportunities for play, fun.

    If people are going to enjoy more leisure, playfulness and fun, they will love brands that echo more fun, playfulness, and associated aspects like liberation, engagement, spontaneity.

    These shifts have already been showing up in research studies for several years- signalling a change of expectations from communication and engagement from brands and businesses.

    1. Shifts in effective ways to communicate: A recent study (Kantar) on Five Fs Of Creative Effectiveness on what makes some brand communication more effective than others points out fun as being among the top 5 factors of the most effective brand communications.

    2. Shifts in core consumer values: A study on Core Values (GFK) revealed enjoyment or fun are among the top core values of consumers along with long standing core values like security and achievement.

    3. Measure of meaningfulness: Last but not last, we already know, from measures of brand meaningfulness that one part of the measure of a meaningfulness is UTILITY based (consumers answer is this “useful to me”), the other important part of the measure of meaningfulness is AFFINITY based (consumers answer do I “love this brand”) (BRANDZ).

    Studies reveal six major psychological underpinnings of fun: novelty, spontaneity, connectedness, boundedness, engagement, liberation. These are potentially rich emotional zones for businesses and brands to meaningfully create connections with their customers, across categories.

    In sum, for modern day brands, fun is a serious matter.

     

    ROLE OF FUN IN CATEGORY CREATION

    Many already know, that fun is key to learning and interaction. This by itself, is a big and useful (perhaps overlooked) starting point for a business or brand – operating directly in any kind of education or any category where it is important to educate. A category that focuses on adopters, triers upgraders, relatively nascent consumers.

    The fun key to learning can aid category creation in four ways – safe place creation, social interactivity facilitation, weaving in improvisation and richer types of gamification.

     

    SAFE PLACE CREATION:

    Several experts in the social sciences share that play, fun create a safe place to learn. A safe place to adopt new tricks and tips, use tools and solve problems.

    Creating a safe place for consumers in a new category – to spur more learning is starting point for brand and business owners, custodians.

    An enlightened parenting view, again with universal application, quoted in one of the reports: “I’ve been trying to weave more fun into my days with my kids”.

    I loved that – and ask are enlightened brand and business custodians trying to weave more fun into the regular days of consumer interactions, in the apt way.

    Unboxing, is now a thing, but it was really a way to mindfully weave more fun into an everyday experience. What are fun ways to “open the box”, so to speak, for consumers of a new category, is a question to start with.

     

    SOCIAL INTERACTIVITY FACILITATION:

    Social scientists emphasise that play is also key to learning social engagement, finding ones’s place in a hierarchy, learning how to interact. Emotional control, curiosity, resilience are positive results of play. (Researchers have found that play deprived children manifest responses ranging from unhappiness to aggression).

    Creating zones for interaction, facilitates relationships beyond the day to day transactions – indeed provide a foundation for building life time value with target audiences. The notion of community has already captured the imagination of many; the findings on play, fun re-iterate the importance of facilitating social interaction in the community via more playfulness, fun experiences.

    To share a recent example (there are many) – simply the fun way in which an airline crew handled an unfamiliar situation for customers : of a 6 hour delay, sitting in a stationary plane – created a few life life long fans of an airline brand. And it was just two crew members – whose fun attitude, constant interactivity kept spirits up in a plane load of disappointed, tired and hungry people and one howling baby. Their being in the zone meant a lot to customers – keeping the channel of interaction open and ‘on’ mattered and was noticed and appreciated (distinct from other crew members who were not interacting socially).

     

    WEAVING IN IMPROVISATION:

    Social sciences experts say that unstructured play is most important for development, because that is when rules are created, improvised, negotiated.

    I loved this quote from one of the research reports, which can be universally true in its local adaptation:

    “The kids skateboarding down the street, sipping imaginary tea, and building a pillow fort are learning just as much—perhaps more—as a peer in a piano lesson”.

    Many know how the modern day aspiring but sceptical, well informed consumers, love to think for themselves. Consumers, especially Millennials, love to figure it out on their own.

    Crafting brand experiences that facilitate the amateur, the first time user, the learner, the experimenter, the non serious flirter matter more than ever; this field is demanding requisite attention, care from business and brand custodians.

    As an aside, it is these type of consumers (who are on the fringes or on the edge) who can often inspire the best innovations and improvisations for the future, in several elements of the mix (packaging, ingredients, usage/dosage etc.) .

     

    RICHER TYPES OF GAMIFICATION:

    Gamification is key to creating modern brand experiences and connections with consumers. There can be several types of fun experiences designed that are based on gamification.

    A commonly known type is Challenging fun (objectives, rewards, levels, etc.). Yet there are others too that experts point out:

    1. Easy fun (imagination, curiosity, content, experiences, exploration)

    2. People fun (niche interests, collaboration, community, co-operation)

    3. Creative fun (individuality, personalisation, avataars, customisation, expression, creativity)

     

    WRAPPING IT UP

    Fun has received a lot of worthy attention from social scientists. Philosophers and psychologists regard fun to be a vital life goal.  Fun is seen as essential not only to learning (as described above) but to many other areas, especially health, well-being, living an ideal life. More on that another time perhaps. For now, for brand and business custodians:

    1. It is timely to audit funand explore if there is a fun deficit in the experiences being provided for consumers – at present, for the future.

    2. Most immediately, leverage the learning benefits of funto spur category creation – via provision of a safe place, enabling social interactivity, facilitating improvisation, and a richer, varied embrace of gamification

    The fun of category creation is putting fun in category creation, too!

     

    Shaziya Khan is National Planning Director, Wunderman Thompson. This is republished from a post first published on LinkedIn

  • The Power of One Visionary Ally

     

    This is the ninth in our 10-part fortnightly series where Shaziya Khan focuses on the allyship of brands for financial savviness of women and girls. Link to the first seven parts: https://www.mxmindia.com/category/columns/shaziya-khan/

     

    By Shaziya Khan

     

    Shaziya KhanA positive progressive attitude shift is that women and girls must be financially savvy. Easier said than done. We learnt that there are entrenched barriers, related to roles, conditioning and expectations on the road to financial savviness.

     

    Interestingly, we also learnt that positive, relevant interjections from allies can help bring about change that is relatively effortless, long lasting and empowering too.

     

    We were fortunate to learn from several real life journeys  of allyship from women who are relatively more financially savvy. There was still something new to learn –  at each stage, as the journey continues. Yet on reflection, each woman could appreciate, one vital aspect that meant the world to her.  It was the caring and timely interjection, encouragement of one real life financial ally who reached out to her.

     

    Financial Allies for  women and girls emerge in  all shapes, sizes and life contexts. They belong to a different generation or the same generation. They belong at the workplace or at home. In the immediate or extended family. Among friends or among colleagues. They have a formal or informal engagement in financial matters. What is common across all these variations is a  quality that sets them apart. This quality is personal ownership about encouraging women or girls in financial matters – no matter how reluctant they might initially be.

     

    Fathers. Among the earliest and wisest financial allies are fathers. A story shared was about a dad  who insisted that his young daughter makes investments, have a bank account of her own. Often occasions like festivals or birthdays were times of riutalised personal financial discussions.  Over the years a habit was created. . The amounts involved were  small, but the benefit involved was big – a good habit of investing early in life. Also. a pattern  was being set – of getting personally involved,  being aware and making choices in personal financial matters.

     

    Mothers. Among the most resourceful and inventive financial allies are mothers. Often they do not have recourse to the same financial tools and knowledge as fathers do. Yet, they wisely deploy “every day contexts” as a platform to impart a lesson or two on personal financial savviness. A story shared was about a mother insisting that her daughter (and not just the son) do the monthly shopping  of a few items. This was to inculcate a certain “comfort factor” around handling money, early on. The lesson being imparted was – becoming aware of the value of things bought. Fortunately, affordability was not a constraint in the family. Yet, it was felt strongly, that the value of purchases must be known, not taken for granted. Understanding the notion of  ‘value’ was the foundation being created consciously, deliberately  on an everyday basis for future financial savviness.

     

    Spouses. Among the most knowledgeable and empowering allies are spouses. These examples are about a progressive approach of involving the wife in personal financial discussions rather than treating the topic as a ‘black box’ (unknown except in the case of emergency). The proactive approach shared in stories was about  regular reviews of personal finances among couples. Patiently including and explaining key details, implications to the wife. Initially, wives were reluctant or passively engaged but with time and regular discussions, there was a fuller engagement eventually leading to great mutual ownership and mutual support. A story shared was about a wife getting into details of housing for the first time (owning, renting implications, location impact) and the couple jointly realising a better option for housing and making the shift. A sense of shared and complementary responsibility lightens the burden of decision making, brings in more savviness from two different perspectives being balanced.

     

    Relatives. Near and dear ones, especially those who step up and encourage financial savviness of women in the family are treasured and appreciated. Stories were shared of a working woman, who encouraged her brother’s wife to handle GST, insurance, banking and related matters. Her sister in law was a self-made home entrepreneur but was hesitant when it came to financial matters. The working woman nudged her niece to support her mother. Creating a comfort zone but also insisting that her sister in law learn for herself and not “put it off” or “out-source it to  her husband”.  She made personal financial matters less intimidating and ‘normal’ in her eyes – simply something to handle and get familiar with. Soon, the allyship bore fruit and the sister in law was able to handle financial matters that earlier she could not. There are also several stories of brothers, cousins, elder sisters who were like pillars of strength and support in matters of financial savviness.

     

    Financial allyship is about ‘the everyday’ and tomorrow too

    The support and encouragement given to women and girls from real life allies have far reaching impact. Even one financial ally can change the course of a life. And in turn, the beneficiary cascades her financial learnings to those around her. Financial allyship ‘works’ in ‘as is’, ‘where is’ conditions.

     

    The financial amounts involved in investing, banking or other personal financial matters are often not large.  What is large is the gentleness yet firmness of intent. What is also large is the consistency of effort and encouragement put in. What is large too, is the long term vision being upheld in the mastery of seemingly ‘small stuff’ early on. Allies are caring visionaries. Allyship represents a rich, empathetic opportunity for brands across categories to help women and girls become financially savvy. The power of one visionary ally can be incredible, today and tomorrow.

     

    Shaziya Khan is National Planning Director, Wunderman Thompson. She has won the Jay Chiat Grand Prix  for Strategy and Three WPP Atticus Global Awards for ‘Original Thinking in Marketing Communication’. Her views here are personal. 

     

     

  • Financial Savviness as a Life Skill

     

     

    This is the concluding (or tenth) in our 10-part fortnightly series where Shaziya Khan has been focusing on the allyship of brands for financial savviness of women and girls. Link to the first nine parts: https://www.mxmindia.com/category/columns/shaziya-khan/

     

    By Shaziya Khan

     

    Shaziya KhanA key attitude shift among both men and women is that women and girls should be financially savvy.  We have learnt that there are several barriers lurking deep that hold women back from being more involved in their own personal finances. We have also learnt that there is a big role for allyship that brands can fulfil – enabling a positive, progressive shift towards financial savviness.

     

    To nudge things along, we need a small shift in perspective that can make a huge difference to the big picture.

     

    A SHIFT IN PERSPECTIVE: ‘OPTION’ VERSUS ‘LIFE SKILL’

    I digress, momentarily, to illustrate the power of a small shift in perspective. It is not the ideal nor the parallel analogy but serves simply as a limited, illustrative example.  I was discussing swimming with people from across the world.  Learnt that swimming is regarded as an elite hobby in some places, while in other places swimming is regarded as a life or survival skill.

     

    In places where it is considered a hobby, it is optional, an ‘on and off’ engagement. The training received is often absent (it was ‘picked up’), informal, even left incomplete in some areas.  People are skilled in a limited way, with untested proficiency levels. They are fine with it being so throughout life (eg. usually nothing more than light weekend or holiday swimming, floating, only in shallow pools, not swimming in the ocean or the deep).

     

    In places where it is regarded as a life skill, swimming was generally taught early on, as part of the essential curriculum, by professional coaches, involving perfect technique, even children are accomplished at it. Certain levels of proficiency and mastery must be reached for the training to be considered complete. Often, it is put into practice on a fairly regular basis throughout life (eg. in the ocean, seasonally, including long distance or long time, having better quality or professional gear, comfort in water sports).

     

    The shift in perspective, (hobby versus life skill), made a big difference to how the activity was engaged with. This shift in perspective applies to the notion of increasing financial savviness of women.

     

    SHIFT IN PERSPECTIVE – FINANCIAL SAVVINESS OF WOMEN IMPACTS LIVES

    Data is quite sobering in revealing how financial savviness impacts women’s lives. The impact is broadly related to milestones and quality of relationships.

     

    Milestones related impact: The impact of personal financial aspects on lives of women includes anecdotally relatable and worthy milestones such as:

    • Security – enabling a secure financial life

    • Goals – planning for and meeting key life goals

    • Retirement – creating apt resources for retirement

    • Lifestyle – supporting a certain type of lifestyle consistently across life stages

    • Contingency – making provision for contingencies so that there is no drastic change to the quality of life

     

    Apart from these milestones, there is also limited gender-related data on the quality of relationships in women’s lives being impacted by  their financial status.

     

    Quality of relationships related impact:

    • Among Property-less women (owning neither land nor house): many more experienced physical violence & psychological violence versus property owning women (owning land and house).

    • Education and career are the biggest factors responsible for improvement in women’s lives and relationships. Both of these are closely related, in different degrees, to financial savviness.

     

    ALLYSHIP TO PROMOTE THE PERSPECTIVE OF FINANCIAL SAVVINESS AS A LIFE SKILL

    The milestone and relationship impact of financial savviness (or lack of it), are well known. These alone are significant enough to spur much action and engagement. Yet, there remains so much to be done in this area.

     

    A compelling shift in perspective is required here – one that frames financial savviness of women and girls as a life survival skill. This perspective brings into view several enabling elements via potential brand allyship eg. early education, expert training, overcoming barriers and fears, technical proficiency and above all regular life application across a range of financial products and services.

     

    Financial savviness of women and girls ought not to be regarded as just a progressive shift in attitude, which it is, nor should it be regarded as just a ‘nice to have’ option, which also it is. It ought to be regarded as a life skill. Why? Financial savviness is one of the skills that can help women and girls to swim confidently in the currents of life – shallow, medium or deep.

     

    Shaziya Khan is National Planning Director, Wunderman Thompson. She has won the Jay Chiat Grand Prix  for Strategy and Three WPP Atticus Global Awards for ‘Original Thinking in Marketing Communication’. Her views here are personal. 

     

  • Women help the family stick to ‘the plan’

     

     

    This is the eighth in our 10-part fortnightly series where Shaziya Khan focuses on the allyship of brands for financial savviness of women and girls. Link to the first seven parts: https://www.mxmindia.com/category/columns/shaziya-khan/

     

    By Shaziya Khan

     

    Shaziya KhanA fantastic and progressive attitude shift is that women should be financially savvy. This holds several opportunities for allyship for brands to whom women’s empowerment matters. We’ve learnt there exist deep seated barriers – roles, expectations, social conditioning that often hold women back from being actively involved in personal finances.

     

    Interestingly, there are also encouraging signs on women’s prowess in investing.

     

    In the context of changing financial needs of families, investing contribution and support is a welcome input from women (wives, daughters, sisters, aunts etc.) for their families.

     

    Family – New dreams. New needs.

    The family as a unit is funding new dreams and new needs. In addition to the usual family household budget, there are new experiences to provide for as well (travel, entertainment, social engagements etc.). Experiences cost money. But dreams apart, needs too demand careful thought, especially in an uncertain context.

     

    Unlike other markets where “revenge consumption” is being spoken of, commoners as well as experts believe that the Indian mindset, will be continue to value conscious, in fact more so.

     

    Thus, both for the sake of new dreams and new needs, additional financial contribution to the family unit, is relevant. More than ever, the Indian family is thinking of financial planning for a secure future. Double incomes are more relevant today than before across families.

     

    Investing is a contributor to the family income.

    Investing is a kind of passive income. Investments can be a contribution to the family kitty. Several of our panelists encourage looking at investments as “contributors”. A simple and powerfully metaphorical story shared by a panelist was about two farmers having to water a far-away farm every day. One carried two pails of water every day, the other dug a trench to lay pipeline for watering.  Implying that investments are like a long term pipeline of contribution to the family unit. A pipeline can ‘water”  (fund) the farm (family) even on days when it is not possible to carry pails of water (work/earn/travel).

     

    Women are good investors – patient, goal-based.

    Studies, in evolved markets, show that women investors outperform men investors. Qualities like “tend to research more”,  have a “long term orientation” are a few of the innate qualities of women that make them better suited at making and maintaining investments.

     

    We learnt that the best financial planners and consultants, in our market, insist on speaking to the husband and wife together. “Wife helps a family stick to the plan”. This short statement highlights the vital role women of the family play in wealth creation. In laying the investment pipeline and maintaining it, to serve the family’s needs and dreams.

     

    Our panelists shared that typically women have a patient, long term, goal based perspective on investing. For instance, goals like funding family education, retirement etc. Women help the family unit prioritise and patiently adhere to the plan. (In contrast, men are excited by the ups and downs of the market). Thus, women can be a great moral support, in family investments.  Actively involving women of the family in investing, aids in creating wealth for the family.

     

    Global data suggests men trade 45% more than women do. Women get better returns by trading less, and saving on transaction costs. Women as investors tend to be more studious, sceptical and reasonable.

     

    Role for Allyship – Stick to the women to help the family stick to ‘the plan’.

    Allyship from brands, can educate, encourage, nurture, sponsor women being actively involved in family investments. Earlier attitudes of mainly addressing the ‘chief wage earner’ or believing “investing is not for women” are both, less relevant and less true. Women’s input in investing is especially vital in a time of changing family needs and dreams.  Actively wooing women investors for the family’s wealth creation is an idea whose time has come. A book title nails it “Warren Buffet invests like a girl and why you should too”.

     

    Shaziya Khan is National Planning Director, Wunderman Thompson. She has won the Jay Chiat Grand Prix  for Strategy and Three WPP Atticus Global Awards for ‘Original Thinking in Marketing Communication’. Her views here are personal. 

     

  • Records, Reviews & Preparedness

     

    This is the seventh in our 10-part fortnightly series where Shaziya Khan focuses on the allyship of brands for financial savviness of women and girls. Link to the first three parts: https://www.mxmindia.com/category/columns/shaziya-khan/

     

    By Shaziya Khan

     

    Shaziya KhanA progressive shift in attitude, among both men and women, is that women and girls should be more financially savvy. This relates to aspects such as improved financial planning, leading a better life and having a more secure standard of living, understanding financial matters for oneself, gaining knowledge for retirement planning, having joint responsibility of the household and girls being educated early on in financial matters.

     

    Enabling this shift in attitude to convert into behaviour, is an area of allyship for brands. Providing relevant, empathetic and timely allyship matters to brands in the financial categories as well other categories – wherever women and girls are key members of the target audience. Financial savviness impacts financial categories, but nearly all purchase categories.

     

    UNDERLYING INCLINATIONS YET STRUGGLES: While financial savviness is an attractive goal but it poses several challenges. We know a majority of women (61%) want to become more independent. Young, unmarried and women who are not working, are most apt to say they want to become more independent. 75% of women encourage their daughters to have a career and be independent. Yet, it is also learnt that third of all women agree that it is a struggle to find a balance between managing my traditions and my desire to be independent and assertive.

     

    When asked what is their top goal to achieve in five years, 55% of women say it is financial independence! (WT Sonar Study, ‘what women want’). Clearly the notion of women’s financial independence is an idea whose time has come. Yet, it is equally true that financial independence, and more broadly, financial savviness are, both, easier said than done. Guided by the truth that the spoken word scratches the surface of what is experienced, we empathetically sought out and understood practical milestones on the road to financial savviness.

     

    RECORDS CAN HELP SIMPLY YET BRILLIANTLY: On a challenging landscape of evolution, a simple yet vital step is record-keeping. Records of one’s personal finances is an unfussy yet spectacular step to build the financial savviness muscle. Records help women punch above their weight, slowly but surely.

     

    Comfort zone: Women have experience in home budgeting, monthly grocery shopping, small savings. These activities are likely to involve a personal “system” for keeping track of the monies (Envelopes, diaries, lists, excel sheets, monthly statements etc.). Thus, expanding this “system” to include broader matters of personal finances is not unfamiliar territory. Well-honed budgeting skills help women make a transition to personal financial record keeping.  This can enable women and girls keep a close eye on banking, insurance, investing aspects. Several home-makers, working women vouch for consistent, meticulous record-keeping being a key step of evolution in their own journey to financial savviness.

     

    Comprehensive reviews: Record-keeping alone is not sufficient (though it is a vital first step). The next and vital step is financial review – step back, take stock of and review the pattern, priorities emerging. Women who have gained above average financial savviness refer to a comprehensive, half yearly or quarterly review of all their personal finances. (Either with the aid of professionals or even informally by themselves or with their family members). Timely, consistent, comprehensive reviews provide validation of long-term goals, bring alive new ideas to pursue, help plan changes, become more responsive.

     

    Other advantages are the visibility, joint responsibility and approval opportunities provided. This is true, even if the husband, partner, father, brother or son is the implementor, decision-maker of personal financial matters. Women and girls are fully updated on how those decisions are faring, impacting them.

     

    A panelist shared a delightful anecdote on how her spouse schedules weekend review meeting in their home, every quarter. Even though the spouse handles his own, his wife’s, the elders, the child’s personal finances, he insists that as a ‘client’ the wife is fully updated, and in alignment with the decisions being taken. Similar stories of sons walking their mothers, sisters (every two months) on their personal financial update, reveal the advantages of reviews.

     

    Preparedness to surmount future challenges: Several women share that when facing unexpected ‘life challenges’, well-prepared financial records help immensely. Women narrated stories of estrangement, separation, health or relationship issues – challenging scenarios in which the financial need was acute. In these trying times, the stand-out factor that helped women not just survive but cope well, was their meticulous personal financial record keeping (through the years). One of the most telling stories, in our panel,  was about a very long marital relationship ending unexpectedly. Being a ‘simple housewife’, the woman did not have any financial means of her own. However, thanks to her long-standing habit of financial record keeping, she was able to receive all that was rightly due to her, from her former spouse.

     

    ALLYSHIP FOR FINANCIAL RECORD KEEPING IS ON ‘THE LIST’: Record-keeping is one of those ‘brilliant basics’ that can help women and girls grow in financial savviness. What is more, it is, relatively speaking in familiar territory, provides much visibility, alignment, and helps women to be prepared for future challenges. Encouraging personal financial record-keeping is near the top of the “to do” list for allyship from brands.

     

     

    Shaziya Khan is National Planning Director, Wunderman Thompson. She has won the Jay Chiat Grand Prix  for Strategy and Three WPP Atticus Global Awards for ‘Original Thinking in Marketing Communication’. Her views here are personal. 

     

     

  • New Column | Speaking of Which by Vidya Heble

    Being a deskie is not easy. There are very few pieces of copy that require no work or come with no errors. But ask any sub and he or she will tell you that it’s not the mistakes that are a pain. It’s the incorrect usage that bothers them no end. Some of these are no-brainers, but there are many which even the best editor would need to labour over.

     

    Starting today (Aug 31), MxMIndia brings you a new fortnightly series titled ‘Speaking of which’ that (or should we say ‘which’?) will, among other things, talk of common errors people in our media make, and how good usage can make for better communication. Written by Vidya Heble, Deputy Editor, MxMIndia and Managing Editor, The Blue Pencil Company, a content editing and writing start-up. Vidya has over two decades of experience in advertising, print and online media… in India, the Gulf and Singapore. She has also edited books, written speeches and communiques and recently took a sabbatical to set up and execute the online avatar of a popular show. Enjoy!

     

    The ironic ally

    Vidya Heble

    Twice in the same week recently, I’ve come across the word “ironical”. It’s almost without thinking that I changed it to “ironic” (because “ironical” is not a word), but the second encounter did make me wonder why people are starting to do this. Ironic is a fine word on its own. Why add -al to it?

     

    The answer, unfortunately, is the all-too-common one: To sound smarter. Who knows, given the general level of knowledge, it may work. Or perhaps the -al-wielders just copy a word they’ve seen elsewhere, without knowing quite what it means and not being bothered to look it up (to digress, it pains me that the more tools there are for looking up stuff, and the easier those tools are to access – viz, smartphones and a dictionary/thesaurus at your fingertips – the less people seem to think they need to actually use those tools) and thinking that because it looks impressive, it must be so.

     

    And the wrong gets perpetuated.

     

    I can hear mutterings of “but ironical is not wrong”. Sorry to bust your bubble, Bubba, but it is. -al is a suffix used to turn some nouns into adjectives, as in logic >> logical. Ironic is already an adjective, and therefore should not have -al tacked onto it.

     

    Update: MxM India received a few calls to say that “ironical” is indeed a word. Well, the fact is that it has been created, and does not mean anything different from “ironic”. As grammarist.com says, “Because the suffix conventions in English are inconsistent, ironical will probably continue to appear. Because there are no simple, consistent rules for these suffixes, and because spell-check approves of ironical, the word will continue to appear. And perhaps someday it will find a meaning of its own.”

     

    Meanwhile, Thomas McAllister on his English Usage blog decides to ignore “ironical” altogether: “I plan to stick with ‘ironic’, if for no better reason than not to be laughed off the block.”

     

    If it helps, the Merriam-Webster dictionary has no entry for “ironical”. If you insist on using it, for whatever reason, remember that it is a redundancy. You may or may not get points, but you may also lose out for trying to make your writing look fancy.

     

    Tip: An easy way to remember – would you say “sarcastical”?

  • Speaking of Which by Vidya Heble | The Laughter Edition

    By Vidya Heble

     

    Sundays are that much better since Ashish Shakya came into my life via the pages of the Hindustan Times. It is rare that a column by him does not leave me shaking with laughter, and that can only be a good thing.

     

    But Mr Shakya has competition, it seems. And it comes not from a fellow columnist but from an unlikely source – the very serious news pages of HT. These are the pages which, day after day, bring us reports of violence, assault, rape and murder. Amidst the unrelenting grimness, readers are hard pressed to find something to chuckle about. But the HT has unwittingly provided us with just that.

     

    A recent report on – but of course – severe punishment for rapists in uniform told us, at the tail end of its five paragraphs, that the death penalty “can be now invoked … in cases where any person who has once been coveted for sexual assault, is found guilty of repeating the act.” Did anyone hear “Freudian”? When I had finished laughing I wondered how on earth they managed that. Maybe someone should have submitted it to DYAC (Damn You Auto Correct, a repository of thumbs-generated howlers)?

     

    At least that one was at the bottom of the page, literally in a corner. But as if to make up for that, just two days later readers were treated to the story, leading on a facing Metro page, of a suspended woman police constable who consumed poison at Vidhan Bhavan. She was taken to hospital and readers were helpfully told about the procedure carried out to pump out the poison: “A gastric lavage includes inserting a pipe through the nose down the throat and to the stomach after which the contents of the stomach are auctioned out.”

     

    I… don’t think I want to make a bid in that one.

     

    These are embarrassing for the newspaper, but that’s about it. Not the end of the world, one would think. They’re not grammatical mistakes that can lead to gains or losses in the millions – unlike the 2006 case of Canadian company Rogers Inc which paid dearly for the presence of a comma in a contract.

     

    The contract said that the agreement “shall continue in force for a period of five years from the date it is made, and thereafter for successive five year terms, unless and until terminated by one year prior notice in writing by either party.” Rogers’ intent in 2002 was to lock into a long-term deal of at least five years. But the Canadian Radio-television and Telecommunications Commission (CRTC) reached another conclusion.

     

    The validity of the contract and the millions of dollars at stake all came down to one point – the second comma in the sentence. Had it not been there, the right to cancel wouldn’t have applied to the first five years of the contract and Rogers would be protected from the higher rates it faced.

     

    “Based on the rules of punctuation,” the comma in question “allows for the termination of the [contract] at any time, without cause, upon one-year’s written notice,” the regulator said.

     

    Whoops.

     

    Closer to home, and more recent in memory, is the story of Air Asia, or the comma that let it in.

     

    “The government of India has reviewed the position in this regard and decided to permit foreign airlines also to invest, in the capital of Indian companies, operating scheduled and non-scheduled air transport services, up to the limit of 49% of their paid-up capital,” the Department of Industrial Policy and Promotion said in its press note. Had there been no comma after “companies”, things would have been clear. It would have meant foreign airlines could only invest in existing carriers. The ambiguous comma allowed finance ministry officials to argue in favour of the Rs 800 million ($15 million) joint venture.

     

    So a little (more) attention to grammar can not only keep you from becoming an object of ridicule, it could also save you a lot of cash and save you from being sued.

     

    For which publishers should be properly grateful, as in the fictitious case of Paul Gallico’s Hiram Holliday, that gallant, Walter Mitty-like character who, with a firm pencil, had added a comma to a news report which saved the publisher a small fortune in a trial. The grateful publisher sent Mr Holliday on a world tour. Hint, hint.

     

    PS: I have long been a fan of Oh! Calcutta for its food, but a small ad it has been running in the dailies has left me disappointed. Describing a vegetarian food festival, the ad says the ingredients “intermingle with freshly grounded spices”. Yes, a firm foundation, especially when the ad is repeated a few days later. Oh, Oh! Calcutta, I am so disappointed. What next, misspelled menus?

     

  • Vidya Heble: A hundred bashes at the keyboard

    By Vidya Heble

     

    A hundred days, each ending with a feeling of triumph as we upload stories Big and small. Be it scoops, press events, awards nights, seminars, trade fairs or film festivals – each story is like another dollop of cement in the solid structure of MxM that the team has built up.

     

    A hundred moments of joy as we hit upon That Headline. Sometimes this is followed by a bout of despair when we realize that it won’t fit, and we scramble for an alternative.

     

    A hundred aaargh! moments when we come across oddly-phrased press releases that need to be deciphered by a scientist – sometimes a physicist and at times a microbiologist. And then the quiet elation when we manage to make it readable.

     

    A hundred plunges into despondency as we discover that we’ve goofed, and it’s too late to rectify it. The only cure for this is the dawn of the next day and a fresh palette to work on!

     

    A hundred questions – will this story work? Will this headline sing or sink? What’s a better word for…? Why didn’t I think of that (usually the next morning)?

     

    A hundred answers – every day. With every congratulatory message, every phone call and email and sms and chat popup that says “Good job!”  Yes, the answer is that we not only can, we did.

     

  • Speaking of Which | I Mean To Say

    By Vidya Heble

     

    Speaking of Which regulars may know that the Hindustan Times is my daily of choice. It’s not perfect but it’s good. Among the high points associated with it is the Sunday edition – one, for Ashish Shakya’s side-splitting column, and two, for Brunch.

     

    Brunch is in demand in my building; because of some foul-up with coupons, HT doesn’t come to the other family residence, which is in the same building as mine. They read other newspapers but HT Brunch gets shared between me and my nephew. Update: The coupon problem was solved, probably even as this was being posted, and HT arrives at the door of the other family house again.

     

    One reading quirk I have is that of starting magazines from the back page and reading them backwards, as it were. Apparently it’s not uncommon, and it may be a sign of a gifted person. Some would say “special”, but I digress. The fact is that the back of the magazine has the interesting little tasty bits, like the last page with fun stuff on it, etc. It just progresses from there.

     

    The Brunch of February 3 similarly ended up being opened from the back page, after I had looked at the front cover and then the back cover. This issue is the Readers’ Special with contributions by, well, readers. Readers aren’t writers (though I have to say some writers aren’t writers either), so I wouldn’t expect them to know the ins and outs of, um, writing. But the staff of the publication should. Nay, must. That’s what they get paid for, innit?

     

    So I read about this lawyer who ponders why people love books. The intro to his piece said, “Don’t scorn at those who read Twilight just because you’ve read Ulysses.” After I had retrieved my mind from the edges of space to which it had retreated, trying to assimilate Twilight and Ulysses in the same breath, I wondered whether I should write to Brunch. Because, as I expect and hope many of you will have noted, one does not say “scorn at”. One says “scorned”, or “heaped scorn upon”. Or “scoffed at”, which I am guessing is what was meant here, going by the general tone and content of the piece. Want a tip to remember it? “Hell hath no fury like a woman scorned.” No “at”.

     

    Still, I thought I’d give it a rest, stop being a whiner and move on, and I turned the page. There was a media professional talking about how he had to perforce go on holidays with his parents when he was growing up. “Holidaying with parents has hardly ever been an option,” said the intro (and the copy said it too, varying the tense). When I first read the intro I thought this was a guy yearning to go on holidays with his parents and not being able to. Which is what it means, in the form it is in. But what the story says is that holidaying with his parents was not optional. This is the phrase to use when you mean that it is compulsory and there is no opting out. (Any of you remember those “optional” papers back in college?)

     

    Two of those in a row couldn’t be ignored. Here are people, educated and articulate, who are read by lots of other people who will then take these people’s words as given… This, this is why there is an onus of responsibility on publications to get it right, from facts to usage. Because people emulate, and imitate, and copy-paste. Because this is how mistakes get perpetuated.

     

    Fine, the sky won’t fall if a word is misused or a meaning is unclear. But letting something slide when you know it is wrong – that’s the first step to bypassing all rules. Even the ones you like. That way leads to anarchy.