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banking crisis, part 2: the customer defense strategy

Was there something? If the banks have learned from some of the same crisis, it is that we are infallible, immortal, indestructible. Because in an emergency, the state with billions jumps to the side. We see a close look as a customer, one gets the impression that the SO CONTINUE UNTIL NOW follows a LAW.

In their arrogance towards their customers with some public institution most German banks in nothing. Thus, in Ulm, the question of the conditions for a business account with a copied List answered, the last a bored employee silence and pained smile over the counter. The conditions turn out on closer inspection to be at best average.

The bright spot in the desert service lights a few miles outside of Ulm in a small Raiffeisen Bank. The request by mail, sent on 28 December, is already answered on the next day (!) - Friendly, informative and with conditions that are absolutely competitive. Here I feel welcome as a customer and would open early in the new year an account. Actually quite simple.

And what follows?
first The size of a bank says nothing about Performance and service quality.
second The banking crisis has shown no cleansing effect.
third Many bank employees maintain a civil service mentality that knows no competition for customers.
4th How banks behave towards customers, often contradicts the statements in their advertising.
5th German banks maintain a self-understanding that can not afford any other sector - the banking rescue fund makes it possible.

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BoD Bestsellers / Amazon Bestseller: Geronimo proves endurance and has been 6 months in the bestseller list

On 15th June 2009 - just so the day before 6 months - I was a very loving and attentive Author colleague pointed out that my horse novel "Geronimo - through the eyes of a horse," the bestseller list of the BoD cites children's books. I even had the (typical for me!) Again missed smooth, if it had not made me aware of it. Since then I've followed the BoD seller lists regularly, and pleased to see that my horse has shown enormous kesser Ausdauder, for he is still represented by two parts in the bestseller list - currently on the places 1 and 2

and there, there was in the 6 months since June from time to time up a few small changes down and then, but Geronimo was always among the "Top 3" children's bestseller. But not only BoD, but also in the Amazon bestselling novels Geronimo horses mixed with great endurance in front. News is "Geronimo - with the eyes of a horse" on # 1, followed by "Geronimo's horse stories" 2nd place

that would inspire the Geronimo books so many horse lovers, of which I had not even dared to dream. But now that it is so, I certainly hope that my kesser Schimmel also continue to set as well and many small and big horse fans is fun. I think at this point it is also about time for a small thank you to all the faithful Geronimo fans, so here are our Christmas card for you:

Thanks are of course not only the Geronimo fans, but of course, all floppy & Chaoso fans. You are GREAT! : O) Best wishes


Lydia Albersmann
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thoughts on the cooperation or the size of the cake

In theory it is simple: Individual specialists or companies join together and get together occasionally. We speak of a win-win situation. This is currently all the rage. Also, the cross-selling, ie the sale of related or complementary products or services is in that direction. From my professional experience and numerous consultations, I know the biggest hurdle to be overcome: the mentality of the potential partner. iff no cooperation or cross-selling is in the corridors, the causes are right here, even if it is usually denied. Partners, first ask for their own benefit, are on the wrong track. They want in their hearts no win-win situation, but fear competition or want to get rich at the expense of the partner. The question is rather: What can attract partners together what they individually can not. In other words, the size the cake is the main goal! Those who sought only after that should be his own piece of cake, the larger will fail to cooperate.

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good with civil pilots flying to Mallorca

at this quote I remember again and again: "Mayors can always be a mechanic not!" In the world set on estimated local politicians during a conversation about the qualifications of candidates for mayor in Baden-Wuerttemberg. In other words: Almost every profession requires a proper education.

And journalists? The newspaper with the big letters has embarked on a disastrous trend: If you hold a pencil and press a button on the camera may be, hastily added to the new profession of civil reporter. Main thing is that cheap. Meanwhile, there are imitators, sponsored by publishers who are in the strict sense, no more. Quality? No, thank you!

Where this goes from delusional rigor and perceived closeness mindset, the media scholar Christoph Fasel made it clear at a journalist convention. The magazine of the German Journalists Association quotes him as follows: "We will also be flown by citizen pilots not to Mallorca or operated by civil surgeon."

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Why do we always have a banking crisis

We still have a banking crisis? Yes, especially in the service. For what is one of a German bank hold, does everything to get customers to think of the neck. The call at the local office always ends up in the anonymous call center, the promised call back from the store will take between two days and at least one hour. Maybe there are services only from an investment sum which, under the self-understanding of that bank and its chief executives representing more than just peanuts. So what. has very different experience with a direct bank, whose parent company is based in the Netherlands. No sooner was twice an identical securities order online complete, a friendly employee logs on the phone with the caring demand, whether this was an oversight or intention. cash in thinking along instead is a mentality, which I often wish. By German banks.

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Not at all nice, if Fear the arguments drowned

Who invented it? The Swiss, of course. And now they are about the impact of its highly acclaimed direct democracy but a little surprised. For the referendum on minaret ban did not find many nice.
are lit and not very interesting the following factors:

is very obviously succeeded in the minaret opponents with a very emotional campaign all still such good arguments of the proponents of religious freedom, tolerance and integration to drown. A mechanism that works again and again. In advertising and in politics. Anyone who manages to stir emotions, is on the winning track.

One of the strongest emotions in addition to greed is all over the world fear. The fear of the unknown, the strange, the supposedly dangerous, often before the new. Fear thrives on the breeding ground of ignorance and half-knowledge; added intellectual laziness, the unwillingness and inability to deal seriously with a topic.

For politicians, advertisers and journalists can mean, in my opinion only: Those who exercise their profession in a responsible, has the effect of strong emotions such as fear at all times be aware of. Who is on short-term success, and therefore stirs up more or less vague fears, the long run will cause great harm.