The Hindu Business Line : Tuesday, March 15, 2005

Crude equations
THE PROSPECT OF the price of crude oil breaching the $55 a barrel mark has set alarm bells ringing. As the Economic Survey for 2004-2005 has indicated, the crude and petroleum product import bill for India this year will go up significantly ... More

BUDGET

Budget: Innovative and worrisome
You are not here to tell me what to do. You are here to tell me why I have done what I have already decided to do. — Montagu Norman, former Governor of the Bank of England. THE Finance ... More

MANAGEMENT

Surviving change — Looking beyond the `here and now'
If the management itself adopts "here and now" strategies, managing change can be a miserable process, and the conglomerate can start cracking up. More

BANKING

Microfinance: Banking for the poor, not poor banking
GLOBALLY, over a billion poor people are still without access to formal financial services and some 200 million of them live in India. Microfinance, the provision of a wide range of financial services to the poor on ... More

HOUSING FINANCE

The case for reverse mortgage
One of the chief worries of the elderly is that they will outlive their savings, and this is especially true of the Indian middle-class, often called asset-rich but income-poor. Reverse mortgage is a way to borrow against one's house to create a regu lar stream of retirement income while continuing to live in that house. Subasri Sitaraman explains how it works and recommends it as a useful, if unconventional, retirement tool. More

IPR

Patent ordinance — Innovator still to get desired comfort
ON December 26, 2004, the Government promulgated an Ordinance to provide for product patents in all areas of technology — agrochemicals, pharmaceuticals, bio-technology, food, and so on — and made other ... More

LETTERS

VAT implementation

Gas pipeline

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