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Why Words Matter… in bank marketing

We work hard to make banking easy.

How about…”We work hard to make banking easy”?

A regional bank has invested in an image campaign, and the results are visible in the window of their local branch. Unfortunately, the copywriter has a tin ear. Let’s take a look at three sequential pieces of signage to see what I mean.

“We strive to make banking simple.” Making something simple is a benefit, but strive is a word that implies difficulty. It’s also a little bit above the average person’s everyday vocabulary. “We work hard to make banking easy” would have been better, especially because hard/easy balance each other in a way that strive/simple don’t.

We'll give your money a good home

“We’ll give your money a good home”?

“Feel good about your finances.” Another five dollar word. “Finances” is not a word in the average person’s vocabulary or, if it is, it’s not something you feel good about. “Feel good about your money” would be better but it doesn’t really tie back to the bank. (Neither does the original line, of course.) How about “We’ll give your money a good home”?

The convenience you want, with the security you need

“The convenience you want, with the security you need”?

“The convenience you need with the expertise you trust.” The copywriter was running on empty when s/he got to this one. Convenience isn’t something you need. Want, crave but not need. Expertise is another of those high falutin’ words. What’s wrong with “experience”? Again, we have two concepts strung together so thought should be given to how they balance. Is it news that you can have expertise/experience AND convenience? Not really because they’re two unrelated benefits.

For that matter “need” and “trust” aren’t very well balanced either, are they? Let’s choose something you wouldn’t really expect to get with convenience, and use verbs of equal weight. “The convenience you want, with the security you need.” Because usually the more secure things are the, less convenient, right?Vestibule

So there we are. Didn’t take that long, did it? But I have the feeling the copywriter’s not wholly at fault. I say that because of what’s written over the ATM entrance. “Vestibule”? How about “lobby”? The client probably got the big words because that’s what the client demanded. It reminds me of David Ogilvy’s maxim, “don’t keep a dog and bark yourself.”

Turn your cat’s ashes into a tree!

Catster hijinks

“Fur-ever” tree grown from your pet’s ashes

I’m definitely not a cat person, but even I found this email heartless and cruel. wants me to cremate my pet and use “her” (why always feminine for cats?) ashes to fertilize a tree. And, if I have an elderly animal I’m thinking of euthanizing, there’s a sweepstakes to push the process along.

Long time readers may remember that I once did battle in the Google search rankings with a cat named Otis. This should be schadenfreude yet I find it repulsive. The linked web page has a nonsensical title tag, suggesting this may be the work of hackers. If so, get a life.

Mumblecore Marketing

We Boomers have a bug up our rear for Millennials, much as the “Greatest Generation” probably felt about us back in the day. Wall Street Journal reported on how they don’t like to use the telephone (probably because it intrudes too much on their personal space), and there’s now an app that allows them to hire household help without the awkwardness of meeting face to face and giving instructions.

In short, Millennials are self absorbed. Just look at them: walking with their heads down, obsessed with their iPhones, as they board their Google buses with the dark windows that will swoop them up to earn big bucks at whatever it they do. Goddam kids…

I have noticed a consequence of this in what I’ll call Mumblecore Marketing: emails that are deliberately casual and slouching, as if it’s almost too much trouble to get around to selling you something. As a side benefit these emails seem like they were written by somebody you know, though you can’t remember exactly how you know them.

Nicole Marshall of DMNews—by definition a direct marketing best practitioner and careful tester—is a great mumblecore marketer as far as subject lines go. “Did you see this email” “Re: 2 weeks left” “Are you free at 1 PM ET?” and “Log in now!” are a few that made me look. The body content is fairly straightforward, but the casual subject lines get my attention which is what they’re supposed to do.

Peter Coates of starts with the subject line “Following up” and begins,

Hi Otis,

I sent you an email the other day… if your inbox looks like mine, you may have missed it. Just wanted to let you know Inside Out is holding a Performance Coaching workshop at the Fremont Marriott Silicon Valley on March 11.

It’s designed to help more leaders coach more often, for more business impact. Would you or your colleagues like to attend the training? There are a couple of discounts available if you are in a position to evaluate for your company or if you would like to bring your colleagues with you.

I’m happy to set up a call. Let me know a few times this week when you are available for a conversation.

Warm regards,

This is a very hard sell situation—a paid seminar—but the casual tone is disarming. Mentioning a previous email I didn’t read—a classic direct response no-no—makes it fresh and personal. And referring to “a couple of discounts” without getting into the details of pricing raises curiosity rather than objections. Once I get this far, there’s more straightforward content (including the price) below his signature.

Mumblecore, as you no doubt know, has its roots in independent film, usually low budget and featuring actors who try to appear non professional in order to create a realistic, slice-of-life storyline (though often there isn’t a storyline) including Greta Gerwig taking off her clothes. The term was coined by a sound editor, who was probably frustrated that he could not always understand what the actors were saying.

In mumblecore movies and in mumblecore marketing, the illusion of authenticity is absolutely essential. Make one false step and you turn yourself into a laughingstock. Such was the case with this email, which arrived with the subject line: “Young entrepreneurs… disrupting the food industry – Fancy Food Show 2014”.


My name is Blake & I’m the Founder at eatKeenwa. We’re a bunch of mid-to-late 20 year old entrepreneurs disrupting the status quo in the food industry and re-pioneering American manufacturing. We’re doing something different for once.

We make a stellar snack out of quinoa. It’s robust in flavor, full of functional benefits and packaged with commanding presence.

Please stop by our booth, #5126. I would love to share our story with you. It will leave you engaged and will resonate with your audience.

Please check us out at

Thanks & Be Well,

Blake Niemann

The casual tone is there, but it’s disrupted by jargon and hype: “resonate” “engaged” and “commanding presence” are meaningless and overused and instantly tip off the reader. Kudos, though, for inventing a new word, “re-pioneering”. That truly is “doing something different for once”.

I hear often from Peter and Nicole, suggesting their marketing works; Blake was a one-shot wonder. I have the feeling the mumblecore marketing for eatkeenwa was suggested by a consultant, probably an elderly wretch with tobacco-stained fingers, who then couldn’t resist adding a few time-tested zingers. Blake, if you’re reading, try writing your own copy next time. After all, you and your fellow rambunctious twentysomethings are the real deal.

Home Depot, where’s your ALT tags?

Home Depot without graphics

(Click the thumbnails to see the emails in readable size.)

Home Depot graphic loaded

Aha! load the graphics, and see the special.

Home Depot sends me an enticing daily email: one special item, on sale for one day only! But I have no idea what they’re offering because my email reader (Outlook for Mac 2011) does not load graphics without permission and Home Depot does not use ALT tags.

ALT tags are text that appear in the space reserved for graphics, when for some reason the graphics don’t load. In many email readers graphics are turned off by default, and the user has to make the decision to turn them on. It was only very recently that Gmail started loading graphics by default. And many security conscious companies still refuse to allow network users to open graphics.

Hootsuite no graphics

Who is this email from?

Hootsuite no graphics

Oh, look, it’s my friends from Hootsuite!

Forgetting to put in an ALT tag (or being clueless) can lead to some peculiar effects. Like the message that I got from Hootsuite that said I needed to give them permission to keep contacting me, but I didn’t know who they were because their name was in the graphic. And the cookbook publisher which invited me to a launch event, but the date and venue were in the graphic. If I don’t recognize the sender and nothing appeals to me in the text I can see, how likely am I to investigate further? (Emails like Home Depot’s, with no text at all, are the worst offenders.)

Belcour no graphixs

I‘m invited to an event, but where and when?

Belcour with graphics on

Looks like a nice party! Sorry I missed it.

In each of these cases it would have been a trivial task to code an ALT tag which conveys the day’s special, the sender’s identity and the venue. Even if the no-graphics group is 5% or 10% of your audience, why give those folks a reason to ignore your email?

Why is eating’s lunch

I recently posted about an inane and penny-pinching customer service experience with Barnes and Noble. I also mentioned that I was switching out my iPhone for an HTC One. These two threads have now converged because of what happened when I attempted to resell my old iPhone through the “trade-in program” on

I would not recommend the Amazon trade-in program. It probably is a cautionary signal that it’s just about the only thing on Amazon you do not have the opportunity to review. It seemed simple enough with a fair trade-in price and seamless execution (print out your shipping label and put it in the mail at their expense and they’ll return it if it does not meet their criteria). But my trade-in was rejected with a message that the return was covered with deep scratches–that’s not my phone. Then they sent it back, the tracking number was bogus, it went missing, and finally an empty box showed up at my door.

I complained to Amazon and here is their reply: “I’m sorry to hear that the trade return arrived empty.

To make this right for you, I’m issuing a promotional certificate to your account for $115.60 which you can use the next time you order an item shipped and sold by”

That’s the full value I would have received if the trade had been accepted, offered to me immediately with no questions asked. To be fair, I’ve spent a lot of money with amazon over the years and they certainly know this. But I can only imagine how the prim “management” at would have reacted.

That’s why one company is taking over the world, and the other is slowly sinking into the sea like the setting sun.

Do gila monsters run customer service at Barnes and Noble

Gila monsters were legendary in the southwest where I grew up. Their poisonous bite didn’t kill you immediately, but they would clamp down on their victim’s flesh and grind their jaws till the venom eventually did you in. I was reminded of this critter the last few days when trying to get a small refund from Barnes & Noble’s online persona,

I absolutely did one thing wrong: allow a mysterious $1.69 charge (later increased to $1.99) appear on a credit statement month after month till it went on for years, in fact. I eventually took some time to investigate and discovered it was for a subscription to National Geographic for kids on a Nook device. Never mind that I never requested the subscription when I registered the device, or activated it when it showed up (if it did, as an app) or that I have not used the Nook in years…  these were valid charges and expects me to pay them.

On my first call I talked to someone, likely a new hire, who thought all the charges would be reversed but she transferred me to a supervisor who disconnected me. I was unable to get back through the phone tree so emailed, then today finally had “the talk” with customer account audit. It went up the ladder to a supervisor then from there to “management” and Barnes & Noble’s final offer was to credit me for the last six months.

That’s around $10 (as I mentioned the monthly charge recently increased) vs the $60 they would have refunded if they went back to the beginning. Enjoy the $50, Barnes & Noble. Go buy yourselves some juicy prairie dogs or kangaroo rats to chew on.

“Hope you are well” email intro makes me sick

Here’s an email typical of many I receive these days. It’s to a business account, and it begins:


I hope all is well. I’m not sure if you’re attending the Fancy Food Show in NYC on June 29th – the July 1st, but if you are I thought you would be interested in visiting the Crown Maple booth…

Why do so many marketers these days think it is appropriate, and maybe disarming, to inquire about the recipient’s health as a way to start a mass email? What’s it to them? What business is of theirs? If I’m well I’ll attend the event, unless I get run over on the way, and if I’m not I don’t need you reminding me of it.

Note the odd use of “the” above, before “July 1st”, which suggests the writer is not a native speaker. Could this have something to do with it? The French (this is for a maple syrup product, so I suspect un Habitant at work) have the equivalent phrase Comment ça va but that just means “how’s it going?” which I don’t find at all offensive.

I’m preparing a longer post on the general trend toward faux-casual business email but this stuck in my craw so I couldn’t wait to get it out. There. Now I feel better. Thanks for asking.

How to restore lost AAdvantage miles

The other day I wrote about my unfortunate discovery that both my AAdvantage mileage accounts had zeroed out due to inactivity. I also wrote to AAdvantage customer service and received an interesting response which I’ll share for web searchers who might be looking for this information.

First, I received this email:

Because qualifying activity extends the expiration date of all active
miles in the account, there may be an easy way of restoring your expired
miles. If you had an eligible mileage-earning transaction prior to May
26, 2014 (the date the miles expired from your account) and no older
than 12 months, then let’s get that transaction credited. When these
miles are credited to your account, your expired miles will
automatically be restored on the same day! For more information on how
miles are earned, please visit us at You can also
request missing mileage credit from the ‘Request Air Mileage Credit’ or
the ‘Request Non-Air Mileage Credit’ links from this page.

If you did not have any qualifying activity, we have a couple of paid
alternatives. Let me know if you’re interested, and I’ll be pleased to
furnish details.

Hmm. Unless there’s some coded wink-wink message, the only way I’d restore my miles is if I had done some qualifying activity, it had not been recorded, and I’d failed to report it. Highly unlikely. So I inquired about the paid options and got this:

To get you involved again, we have designed a Re-engagement Challenge – a set of activities created to introduce you to the program and to restore all or part of your expired miles, based on your participation.

First, register for the Re-engagement Challenge with AAdvantage Customer Service and pay the $30 registration charge.

Once you’re registered, you have 6 months from your registration date to complete the requirements listed below:

1.     Subscribe to the AAdvantage eSummary™ and AAdvantage Promotions email and remain opted-in to these two subscriptions for the duration of your Re-engagement Challenge
In conjunction with your registration, you are also subscribed to receive these email messages if you haven’t been receiving them already. These helpful subscriptions send you information on how you can earn more miles and provide a monthly summary of your activity and current mileage expiration date.

2.   Complete the following mileage earning activity within six months of your registration to restore the desired amount of miles: (for under 50,000 points, which is my level)

Earn 5,000 partner base miles*
Earn miles for 1 round trip flight**

In many markets, a round trip is available for a couple hundred dollars or less. So for a fairly small investment you could earn back as many as 50,000 miles, which are supposedly worth $900. Fair enough. American is also getting you back into the traces with the behavior they expect from an AAdvantage member.

In closing, you may recall I had two accounts–one which zeroed out a few days prior, and the other last October. I wrote customer service separately about each of them. The long-expired account received no response.

My favorite iPhone apps (updated)

Nearly four years ago, I wrote a post after a reader asked me to list my favorite iPhone apps. Since I’m about to make a (maybe temporary, maybe permanent) switch to Android and the HTC One (M8), seems a good idea to revisit it before I go. Surprising how I feel the same about most of these today, with a few exceptions and updates.

Here’s the list, with today’s comments in italics.

1.  ZipCar. How cool that I can reserve my car, unlock it, and find it in a lot by making its horn beep…. all from the iPhone. Smartphone as remote controller. Now I have Uber, Lyft and Sidecar for my transportation pleasure plus a PowerUp preorder so I can command my own drone.

2. Zillow. How much is that house actually worth? Ha! As long as I trust Zillow’s occasionally goofy algorithm, I can get the embarrassing answer while I’m standing right in front of it. (Zillow noticed this post and asked me to add the link. Good social marketing at work.)

3. Pandora, as long as you appreciate its limitations. “Guy Clark Radio” turns up new thoughtful songwriters. “Robert Earl Keen Radio” is set to deliver songs about going to Mexico and getting drunk… not the right algorithm.

4. Yelp. Just plain essential if you ever go anywhere and get hungry.

5. NPR news. To this I’ll add aggregators like Stitcher and the Public Radio app.

6. Amazon. The other day I went to Walmart to buy a Smokey Joe mini charcoal grill, found they no longer carry it, ordered from Amazon while I was standing in the aisle. I also like that I can take a picture of something and they will try to find it for me (not always successfully).

7. Tiger Woods Golf. I know, I know. But I have learned a lot of golf by stroking my screen with the tip of my finger. I have weaned myself of this, thank you. Too bad there’s Words with Friends.

8. My bank’s mobile deposit feature. A problem that my bank is not in town. A solution that I can take a picture by aligning the check with the screen and deposit that way.

9. Email. This is actually the killer app for me. I don’t read much email in detail, but I do know when somebody is trying to get in touch so I don’t have to interrupt what I am doing and find a wireless connection for my laptop. This is still true for me.

10. Caterday on YouTube. I said most used apps, not most used by me. For 8 year olds, a few Caterday episodes make a long car ride pass quickly. Then the battery runs out of juice, and that is even better. Obsolete, but the now 12 year old finds plenty of things on youTube to run down the battery.

And now the rant: why is it that location based apps (including several of the above) must find your location before they will load any of the program information such as your search box? It makes for a frustrating experience, often means that by the time you get to use the app you have passed whatever you were interesting in, and it just doesn’t seem necessary. WTF? Mostly obsolete. Location based services are one of the biggest benefits of using a smartphone today.

I’ll update again in a few months, with a report from the other (Android) side.

Thanks, AAdvantage, now goodbye!

AAdvantage unsubscribe screen

AAdvantage finally asks me for my email prefs… as I’m about to unsubscribe.

I just unsubscribed from both my AAdvantage email accounts, mine and my teenager’s. I was getting several emails a week and it was pointless to read them since AA does not serve my local airport. But, they’re about to as a result of the USAir merger so I’ve made a point of making an occasional qualifying purchase to keep our combined 50,000+ miles intact.

Or, so I thought. I actually read one of these emails this morning, and discovered the miles in both accounts had zeroed out. (AAdvantage does not bother with real-time reporting, so it showed 24,372 miles in my kid’s account while a couple lines below showing an expiration date a few days ago.) D’oh!

Why in the world, if American wants me as a customer, would they not send me a special announcement that the miles were about to expire and some information on how to preserve them?

AAdvantage Customer Service screen

Thanks, AAdvantage, now goodbye.

And why in the world would they continue to flood my inbox with emails when I hardly ever open any of them? A best practice followed by many marketers today is to warn customers they’ll stop receiving emails unless they take some action. But AAdvantage is the original mileage reward program and their policies have likely been around as long as people have been receiving emails. Which is probably also why I get so many emails from them; I can’t remember them ever asking me if I would like to specify preferences, until I unsubscribed today.

So, AAdvantage has done its job, which is to pry loose some miles fair and square. But American Airlines has lost a couple of potential customers who fly frequently and could have been on its ALB routes very soon. I fail to see how that’s a good thing.

P.S. Don’t know if they are still doing this as I am no longer an active member, but United’s Mileage Plus had a promotion they would send to people with expiring miles, asking if they wanted to convert the miles to various subscription offers. I’m sure they earned some nice revenue from this partnership at the same time they kept members up to date on their accounts. Another example why AAdvantage’s assumption of primogeniture–I’m right because I was here first–is actually obsolete and clueless.