Bank Charges 2: The Reckoning
Positive positive positive today. Ok so I got a bit hot under the collar about the banks (see article below) Today then is a new day. Jedward have been fired but still making headlines. David Cameron looks like woodentop. Groundhog Day?
So, in the words of Fred the Weatherman “what have we got today?” Well the spin is that the green shoots of recovery have just been stomped on by a fat man with shiny shoes. Doh! It’s dem pesky banks again.
That Angela Knight really got my goat with that PR bilge about us naughty people not managing our accounts properly. Sorry British Bankers’ Association. You didn’t manage our economy properly and there’s plenty of your primary stakeholders out there who would agree with me. OK yah? You don’t get the final word on this even if the judges reckon it’s game over.
Oh ok I will continue with my rant. 6.59% was the cheapest rate I could get on a mortgage. On 120k that’s £950 a month in new money. There’s people out there with negative equity. Enter the willing punter (me) and any number of keen sellers (you?) and that rate separating us and we have that rather boring 0-0 draw. Hey we don’t even get to argue about the price of the dodgy curtains any more.
You see, to continue the analogy, banks are those fair weather supporters who are quite happy to stay aloof from their major stakeholders when going is heavy. When United are winning, it’s they who crowd us out of the 20/20 club and flash the cash. A bit like that scene in Batman with Jack Nicholson as The Joker where he distributes the dirty dollars to the good people of Gotham…before gassing them.
And I thought I was going to be a cheerful PR man today flower arranging the news so that it looked all rosy. Sorry but there are some good vibes on the way. I teach PR which these days means social media and I am running my own case study which might need your help. You see I want to be rich beyond my wildest dreams. Banks don’t come into it. Social media does.
More later. A little bird tells me that links are the way forward. So I will link Hokey Cokey style to you all and back again. Ohhhhh do the hokey cokey oooohhhh do the hokey cokeyyyyyy …told you I would end on a postive note. Praise Angela the all seeing eye.
Bank Charges! Wasn’t this the most predictable news ever?
Today I baulked at the decision by the Supreme Court effectively for banks to be allowed to charge for “unforeseen” overdrafts. What made it worse was the patronising words from Angela Knight from the British Bankers’ Association telling us all how to run our accounts more effectively. I won’t mince my words. It made me puke and I will tell you why:-
When I was divorced and made redundant in 2003, I needed all the help I could get. I did apply for an overdraft and went through all the right channels. So one day mugshot here was travelling across Wales to pick up a friend from a ferry terminal. I got to a garage (as you do) and they refused my HSBC Switch Card. Luckily I had cash.
Shorley shome mishtake I naturally assumed. Yes the mistake was on my part, dear reader. I had exceeded my agreed overdraft by a few quid. I had miscalculated. Human error. What did HSBC do? They sent me to Pakistani call centres to argue my case. I spent a whole Saturday in tears of frustration making around 15 phone calls that day trying to explain to people who couldn’t speak English that I had since repaid the few quid owed and arguing a case for the resumption of services.
My overdraft and loan combined amounted to just less than £2500. Everyone else, including my mortgage lender, Nationwide Building Society had stayed patient with me. Eventually due to income arising from self employment, I managed to climb out of that financial bog. It’s a case of keeping your head above it and try to stay smiling for your kids’ sake. These people who run banks are not interested in you, they’re interested in what they can make from you.
HSBC got their Rottweilers, DG Solicitors on to it and recovered the money with a County Court Judgement. Should I be publicising my CCJ? Oh yes a big hearty yes. Because thankfully social media now gives us the voice to do so. I am not ashamed to expose this organisation for what they are. I am sure other people have similar experiences. If so, as the consumer guru Martn Lewis of www.moneysavingexpert.com, has said, write to your MP’s and give the banks another kicking for breaching the trust in those that keep their fat spotty behinds on those big leather chairs.
I don’t want to play victim. I wouldn’t give HSBC the satisfaction. I had been with HSBC for 20 odd years. I can even remember my first Midland bank cheque book as a student. Before that I used to go with my dad to Hamilton Square branch in Birkenhead every Saturday morning. I wouldn’t pass water over the same building now. He’d be horrified at their dishonourable behaviour had he still been alive today.
Only two weeks before the shit hit the fan, these highwaymen had me in there trying to transfer my mortgage over to them. I kid you not!
I haven’t got current money riding on this. Nope. I kind of knew in my heart of hearts they would pull this off. I didn’t even bother to lodge a reclaim of bank charges. I wasn’t going to have these greedy halfwits at HSBC turn me down once again. Yet it’s us account holder who have bailed out the banks during one of the worst recessions in modern history. And now once again they have cajoled the judges with the thick wedges they have smacked down on the oak desks of their slimy slick suited lawyers.
If you see this article and want to lift it for your own website then please feel free. All I ask is that you provide a link back. These people need to know how we, their primary stakeholders, actually feel today.
John and Edward Survive for PR Purposes
So John and Edward are through. Yes! Woot woot. This tribute act to David Lynch’s classic won’t win the eventual final but having Simon Cowell’s show devalued in such an embarrassing way is wonderful entertainment.
We love crass. And John and Edward are a crass act.
In my day it was acts like Kenny and Chicory Tip who polluted the charts with backing tapes made by session musicians over which these cheerful chummy chavs would strut excitedly onto the famous TOTP stage and mime. We would scream at the telly and declare death sentences on the guilty. Many actually paid good money to keep them in ciggies for a year.
Nothing changes.
“Die you bastards.” Oh you know I don’t mean it. I am sure John and Edward have a direct debit with Save a Donkey but they simply cannot sing or dance.
File in gay icon category. And no I am not homophobic just punch drunk to image marketing.
The reason why the wonderful sitcom, Extras was so successful was because Gervais and Merchant eeked out the cult of celebrity and distributed its innards around your front room.
John and Edward are your traditional Vaudeville flops. But wait, they just can’t go off stage before we have thrown some more tomatoes. Now, thanks to the phone vote, we can. Maybe even for a couple of years.
We love you, John and Edward. Aww bless.
The whole show reeked of crass. How we laughed when Whitney attempted one more platitude armed with a whiff of crack pipe between takes.
Me? I blew some Helium.
Meanwhile Clive the Aged Prophet uttered a couple more encouraging one liners like “Keep it up yeah” while soaking up the tributes from Cowell, who should know better, that this man alone (not Epstein) was pivotal to all our record collections.
He discovered Whitney. Gobshite.
Cheryl Cole, intent on blowing everyone off the stage, shocked us all with her “risqué” cheerleader garb and, with the help of around 73 dancers, succeeded in showing how a lack of basic talent could be masqued by persona and a thick layer of war paint.
Altogether now gulls. We’re worth it.
Leona Lewis has talent. But in the absence of any imminent catfights in posh night clubs, the media aren’t going to give her the coverage that Amy Winehouse receives in spades.
Jamie Archer isn’t a bad singer. But wait. There’s something missing. Nice hair. But where’s the guitar or even a banjo? Trumpet? Gob iron even? Songwriting? Null points.
We get what we deserve. Enjoy John and Edward’s journey to red tabloid hell. Now where did I put those fish heads?
Picture credit: www.davidlynch.com
Steve Hackett bio
Sketches of Steve Hackett: The Authorised Steve Hackett Biography by Alan Hewitt, Wymer Publishing
Tickets for Steve Hackett: Birkenhead
Steve Hackett does not go down the rocky road of accusation which celebrities with just the two brain cells have all too often trodden. Being the gent that he is, and, well advised by his lawyers, his biographer has decided to celebrate only his musical achievements. Kim Poor, whatever else she was involved with in the musician’s career, did not play lead guitar on Selling England by the Pound. End of story.
The publisher, is renowned for this style of detailed biography. See his unofficial one about Blackmore for example. This is a tome which you can dip in and extract what you will, as long it isn’t dirt. Only dedicated Steve Hackett fans will go for this style of account, and the publishers don’t claim it is anything else but a true account of a rock musician’s journey.
Compare the cover price against some inane tripe from the publicity hounds that “adorn” the Tesco top ten. You would then see, at a cursory glance, that the great British public prefer gladiatorial battles against the chronicles of a master craftsman. Witness also the tawdry whingeing on X Factor or Pop Idol as an example of the media we deserve. Phil Collins’s is around the same price. But I really don’t give a fig about this guy’s film career and whether or not he is a good ole cockney mucker.
Instead we get a sense of what it is like to be part of a major rock band. We discover Steve’s first gig with Genesis which was marred by arguments between the band members. I wasn’t aware that there was any tension between Tony Banks, Peter Gabriel and Mike Rutherford c.1971 for example. And I was captivated by Steve’s account of his first gig where his faithful fuzz pedal was replaced, at the very last minute, by a new one which fed back. We’ve all been there. Except of course the stakes were far higher in Steve Hackett’s case.
I would have expected a little more of the Genesis years but as contemporary, Robert Plant often points out, he spent more time out of his alma mater than in it. Steve Hackett has been a prolific songwriter and is happy in his own skin as the man who supplied the more mystical dimensions to early Genesis and eventually ran down the fertile valley with those ideas. A begrudging nod to the trio for turning Genesis into a cash cow. But equally, thank the acolytes Hackett decided that three chord wonders, however lucrative, were not really why he answered the ad all those years ago.
Still gigging and touring, Alan Hewitt diligently records the challenging life on the road and in the studio. Thankfully his musical output was not marred by the usual excesses of rock stardom. Hewitt however does not attempt to paint Steve Hackett as anything other than human. The tone remains optimistic throughout. A man of integrity celebrated. And in these days when you can’t even trust your local politician, is it such a Cryme to stick to what matters in life? Steve Hackett is a guitar player. Read all about it.
Can nice chaps succeed in this business? Evidently so. Tune in to Kev’s interview which will be posted on here as soon as it’s been broadcast. The words in this book certainly inspired me to check out my own collection of Steve Hackett’s back catalogue. And I’ll buy more only when I am sure that the man himself (and nobody else) receives his cut.
****
How to make Word 2007 fully loaded for Harvard Referencing | Harvard Referencing Word
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by Keith Thompson MA, MCIPR, PG Cert
Harvard Referencing is one of the most common methods of academic referencing for articles, reports and essays, but it’s not in Word’s drop down list. Word includes other automatic styles e.g. APA, Ghost in its presets but not Harvard. So how do we solve this?
This short five minute article on Harvard Referencing Word 2007 will show you how to save hours of time and money whether you are studying and don’t want to lose presentation marks.
I will show:
How to use the reference tab on Word
Click to enlarge the screenshot (right):-
- The most common task we have to do in Harvard is to insert a citation. We simply click this and a drop down list appears.
- You choose what type of document you would like to reference and complete the form. Word stores this in its “memory” for when you are ready to add your Bibliography later. (Go to Bibliography > Insert Bibliography).
- The advantages of Harvard referencing as you go along are multi faceted. The biggest one is time management. This method will allow you to maintain your train of thought and keep to convention.
So that’s easy enough but how can we make it even easier by adding Harvard to to the drop down list?
Solution 1: Download an “Add On” or “Plug In” to Word itself
Enter Bibword. These incredibly helpful people have provided a Harvard style sheet which you can cut and paste into your Word directory safely. You need to download the software from and follow its installation instructions. It arrives as a zip file. Copy the style list, once unzipped, and paste into your directory. To access this directory, you would normally go to Program Files > Office > Office 12 > Bibliography. Fiddly but it’s worth ten minutes of anyone’s time.
Solution 2: The lazy method!
There’s also the glorious but slightly flawed Neil’s Toolbox which was introduced to me by one of my students. “Neil” only covers books, chapters of books, journal articles, websites and emails but sadly not categories like films, conference proceedings which many modern degrees now include as acceptable references. This one is great if you are in a hurry, but not for anyone serious about integrated research.
Solution 3: Report writing software
If you are writing reports, template software like Practical Report Writing System does exist and it’s very good value at around £25 or $37. It’s more instructive though than a complete “off the peg” system.
Solution 4: Endnote
EndNote X4 for Windows is used extensively by researchers of all colors and students alike. It’s not cheap but hey neither is the science that has gone into its development. You only get what you pay for and the updates are regular. The software allows you to collaborate online and build your bibliographies and references semi automatically.
Summary:-
| Method | Effectiveness rating | Pros | Cons | Link |
| Go to ‘Insert Citation’ in Microsoft Word (fourth one along) | *** | Easy and semi automatic | Word 2007 is not preset to Harvard. You need to adapt APA | Video |
| Bibword | ***** | Acts as a safe Harvard plug in | A bit fiddly to install but worth the effort if you read the instructions | Bibword |
| Zotero | ***** | Easy and semi automatic | Only runs on Firefox | Zotero |
| Bibsonomy | *** | Semi automatic multi faceted bookmarking tool | Too many distractions | Bibsonomy |
| Endnote | **** | All encompassing referencing software which allows you to collaborate online | Not cheap but you only get what you pay for | EndNote X4 for Windows |
| Harvard Generator | **** | Easy to use online form | Similar to Neil’s toolbox but less cumbersome | Harvard Generator |
Recommended Further reading:-
Anthony Weston (2000). Rulebook for Arguments. Indianopolis: Hackett. 24-30.
Piers,R (2008).Cite them right: the essential referencing guide7th ed. Indianopolis: Pear Tree Books. 1-102.
Bryman, A & Bell, E (2007). Business Research Methods 2nd ed. Oxon: Oxford University Press. 553-578.
Bryman, A & Bell, E (2007). Social Research Methods 2nd ed. Oxon: Oxford University Press.
*Grant, D (2009) Practical Report Writing System: software
So there you have it. The complete guide to Harvard Referencing Word
PR Tips: What happens when I press this?
PR people just don’t do techy. And it’s wrong. Like most of my counterparts in agencies and in house teams across this part of Northern Europe, we were taught to write press releases. And release them we did. In my case 15 years passed and I was still giving birth to those beauties of modern prose. I spoke in the language of journalism and shared in the pride when article appeared. But ask me to shoot a film and I was on the phone to my good friend and colleague, Phil Hirst (left in pic)
But it’s become all the more essential why PR professionals at all levels grasp the notion that news doesn’t just have to be generated, the message can be controlled from start to finish. The concept is nothing new of course. Since World War One company newsletters have almost become a staple for employers. Times they are a changin’.
Since Web 2.0 , a new opportunity has opened along with mega bandwidths and broadband to shout out the message aurally and visually. My own introduction to the world of cameras was via ITV when I was fortunate to be involved, during my freelance years, with Lost Treasures, an archaeology programme where ordinary people make extraordinary discoveries.
At first Phil Hirst who produced the programme employed me in a familiar role as PR and publicity. The campaign we produced help us to secure an average of 14% above the norm for viewing at Sunday tea time. But by series three I had become more involved in the process of planning shoots as Assistant Producer. Vince Martin (above middle) showed me his broadcast standard camera with the £6k lens. And yes seeing your name on the programme credits is a huge buzz. Plus I had the opportunity to return to castles and stately homes again.
This coincided with a request on New Year 2008 from the then Director of Wirral TV, Mike Power to provide media training to unemployed people. My learning curve was steep. Another of the Lost Treasures team, cameraman Tom Holden was quickly drafted in response to be SOS signals. It was then that the penny finally dropped: about which plug goes into where and does what.
For all these years, I had the creative verve to think about photographic angles but not the confidence to do it myself. I will be blogging on my discoveries in future posts but suffice to say I was elated and also sad that this wonderful world had not been discovered earlier.
Rock star Glenn Hughes had been a long standing client of mine. We interviewed him in Budapest as a preview to his forthcoming tour of the UK and placed the result on You Tube and also on his own website. The Digital Editor at Liverpool.com also took a one minute version as a “freebie.” Priceless in terms of publicity. I was on a roll.
When the LJMU job came up, I thought it would a great idea to introduce this kind of thing as part of the curriculum. And so Media Relations 2 was born. But it’s not just me bleating on about why PR pros should carry their own gear around. Gary Jenkins of Merseytravel, who is on our Employer Forum, carries a Flip around with him to capture footage from launch events .
This is worth its weight in gold for a number of reasons. Journalists sometimes don’t turn up. When they do, they won’t release the footage unless you buy them a pint and ask nicely. Whilst the footage might not be as professionally shot as the TV stuff, it does provide a viable record which, if it’s good enough, can be placed on the website. With the direct USB connection, you can have your video on Youtube within minutes of filming.
Sounds ideal. But the disadvantage is that the production values aren’t going to be as high without a decent soundtrack. That rich warm ambience you hear on the Glenn Hughes interview on this site can only be achieved using a superior camera with a plug in for an external mike. This is where it gets a bit techy, as it introduces the vastly underrated aspect of sound becomes a science in itself. Stay with me though. Don’t switch off like I did all those years ago.
Basically a grand would be enough for a basic portable kit which consists of an HD camera like Canon’s excellent HV30 or 40 retailing at around £600. A shotgun mike with fluff would set you back at least another £250 and a “beach box” which is basically a mini mixer which screws into the bottom of your camera is about £150. This is what Tom and I took on Ryanair on our mini tour following Glenn around Eastern Europe. No we didn’t have to pay the excess baggage costs. The interview was lit with natural light through the curtains.
The beauty of separated sound is that you can extract the audio track and use it for the website and convert it to a radio news release. Because you are using broadcast level sound values, most radio producers would accept a recording which was free from any glitches. It works the other way round too. I help produce a rock radio programme on 7 Waves on Sunday evenings. As well as the audio, we can produce a film of the interview which means we can extend the life of the piece and distribute to a range of media.
Lighting is important. We got away with it in Budapest basically because the sun was kind to us and illuminating the hotel room, but ideally if you are thinking of investing in such matters, a set of four read heads and a green screen would mean that you have yourself a mini studio which could be set up within minutes. More of that on future posts.
So, to quote Shakespeare “be not afeard, the isle is full of noises that give delight and hurt not.” Audio visual is your friend in these days when newspapers are training their staff to use cameras and sound equipment while laying off those who don’t want to move with the digital age. PR tends to mirror much of the journalism profession. Forewarned is forearmed.
Press release writing template
As promised here’s my News Release template which you are welcome to use. It’s in Word format and you are welcome to download it. If you are still experiencing difficulties, we do offer a press release writing and copywriting service which is based on the number or press releases you would need.
The service is by return and the releases are written by Laurence Thompson who is an experienced copywiter and au fait with the need to write copy which is search engine optimised as well as appealing to busy journalists. A typical price would be $77 per press release and $147 for a campaign of three. Payment by Paypal on delivery.
Contact me at keith@effective-media.co.uk if you would like to take advantage of the service. But otherwise please feel free to browse my blog and load up on resources:-
Tools you might need to distribute your copy or develop your sales content:-
This is your completely automated email system for outgoing and incoming mail which includes an autoreponder and advanced list building function. Ideal for press release distribution!
Whether we write the copy for you or not, we use Ebook Pro for our own business and incredibly impressed with its ability to lock your book and distribute it using Mailloop above.
Having used submitters in the early days which were dreadful to use and largely ineffective, Viral Submitter Pro will allow you to submit your content on autopilot to all the crucial social bookmarking, article sites and Craig’s List without getting yourself banned.





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