Piggy Banks

Miami – Attractions for Children

Miami Metrozoo

The Miami Metrozoo is considered one of the best in the world, and has a huge range of animals to observe in cage-less environments. The zoo’s inhabitants live in vast zones designed to recreate their natural habitats. The zoo is divided into geographical areas such as Australia, Asia, The Americas and Africa. Children can interact with the safer species on display, and even get the chance to feed giraffes!

Miami Children’s Museum

The Miami Children’s Museum is an amazing piece of architecture, a great place for kids to learn and, above all, have fun. The exhibits will teach kids about nature, art, music, the human body and much more, all in a colourful and engaging way. They even manage to squeeze some fun from the world of finance with their innovative piggy bank exhibition, where children can learn how to save and spend money, as well as design their own bills.

Miami Seaquarium

The Miami Seaquarium is 38 acres of aquatic fun. There are 8 different live shows to see, featuring famed routines from the performers of the sea – dolphins, sea lions and killer whales. Children and parents can interact with a huge variety of sea creatures, including turtles, manatees and even alligators! There is also the “Dolphin Interaction Program”, where kids get the chance to kiss, hug, play and dance with the fun-loving, intelligent mammals.

Crandon Park Beach

No trip to Miami is complete without visiting the world famous Crandon Park Beach. This is a place that both kids and parents can enjoy together. The soaring temperatures are perfect for getting that holiday tan, and there is a amusement park for the youngsters to enjoy. This beach is credited as the one of the top ten in the USA. There is also a nature park and a range of concession stands. You even have the chance to go kayaking or surfing in Miami’s beautiful waters.

There are so many child friendly activities around Miami that have not been mentioned in this article – The Science Museum, The Everglades and Jungle Island are all exciting and fun locations for children to enjoy their holiday to the fullest.

After all that fun and excitement you and your children will need a comfortable place to rest, so to make your visit extra special do your research and find some quality, family-friendly accommodation. With so many hotels in Miami you’re sure to find something to suit your needs.

About the Author

Article submitted by Harald Bindeus, Director of Sales & marketing at Grand Beach Hotel, Miami. Newly built and opened in 2009, Grand Beach Hotel is located right on the Atlantic Ocean close to South Beach, Miami. The property is located on Millionaires’ Row, only a few minutes from the excitement and nightlife of South Beach, the Miami Beach Convention Center and other major convention hotels.

flamingo piggy bank

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Bank Mergers and Competition in the Banking Industry

Wachovia Corp. has agreed to purchase competitor SouthTrust Corp. Hibernia Corporation acquired Coastal Bancorp, Inc. J.P. Morgan Chase & Co. is cleared to absorb Bank One Corp.

Whew! Banking is no longer boring.

The Chase merger will form the second-largest bank in the United States, with $1.12 trillion in assets. For Chase, this requires a significant investment in new signage, business cards, letterhead, envelopes, displays, imprints on about 51 million credit cards, etc. There will be employee issues and expenses as well.

And consider the thousands of other banks providing the same service: How will they compete? How can they compete? Some will not survive. One strategy is to become acquired. What other strategies are feasible? The answer: Successful differentiation that resonates in their marketplace. This is a valuable strategy even for those banks that are in the game to be acquired, because it will generate for them a higher purchase price.

Differentiation. But what can be the difference between banks?

Some might think that banks are all alike and therefore cannot be differentiated. Such unenlightened thinking is common in many industries. history reveals however that anything can be made distinctive and a preferred choice of buyers (and acquirers). For decades, catsup, pickles, flour and sugar were sold as commodities in large unmarked tubs. Then Heinz, C&H and Gold Star came along and turned these commodities into unique brands and made billions of dollars.

Even though they are almost identical biologically and chemically to the other competing brands in their categories, buyers perceived differences. And that influenced their purchase decision. And it still does to this day.

How do we distinguish between similar brands and how does one brand become preferred?

The explanation is subtle. The more similar the competing companies are in a marketplace, the more important any difference becomes. And when meaningful differences are difficult (or impossible) to find in their products or services, the market will find differences outside of the product or service. Therefore the careful management of the seemingly inconsequential then becomes a priority required to achieve marketplace success. Market-savvy companies all know this. Market leaders not only know, but also demonstrate this fact.

If a bank is perceived as no different than its competition, it’s in trouble. It’s going to be a long, hard journey, fraught with unbearable risk. It may be a short journey with a premature end. Creating and communicating uniqueness in a way that resonates in the market is central to any successful business strategy.

Consider the history of banking.

In the beginning a community had one bank. That was Stage One. The city got a basic, acceptable reliable service. It was a minimal service, but the market gladly accepted it. Then comes Stage Two: Competition. Now there was a second and a third bank. The citizens now have a choice of service providers. Now dominance depends on differentiating your service as the preferred choice. Enter the notion of marketing. They listen and make refinements that customers ask for: branches, ATM cards, credit cards, lower fees, specialized loan programs, toasters, blenders and other gimmicks. Now competition is entrenched. It’s not as much fun being a banker any more. It’s tough slogging. Few banks will enter Stage Three. Let me explain.

In the animated cartoon business, Disney entered Stage Three when it opened its themed amusement parks. That idea went beyond what customers asked for. It was something no customer imagined. “Focus Groups” did not come up with that idea.

And this is the key: To differentiate itself clearly from among a crowd of look-alike banks who are all meeting customers expressed needs, the Stage Three bank must surprise everyone with a wonderful new feasible idea that will resonate. And then promote it wisely.

Whereas Stage Two is market driven, Stage Three is imagination driven. Stage Two is responsive. Stage Three is creative.

This is what Wells Fargo is suggesting with their slogan “The Next Stage in Banking.” It’s an appropriate slogan for Wells Fargo considering their history, name, stagecoach logo and the current situation in banking. But will they go beyond that? I’m still waiting to see evidence on the horizon. Nevertheless, they have distinguished themselves from other banks with their coordinated and distinctive logo, colors and slogan. Seemingly inconsequential items.

Smaller banks can compete.

The smaller banks can not only compete but also actually overcome larger banks in their market, but it requires focused creativity.

Most banks have a common theme: “Our People Make the Difference.” Which makes sense, but the way they typically express this “It’s All About People” theme represents money wasted. Because simply quoting that statement actually communicates, “We’re Not Special, We’re No Different, We’re Ordinary,” since competitors are saying the same thing. And of course, that’s not a competitive sales position.

It will be interesting to see if any mid-sized or smaller bank will break out and successfully establish more influence in the way the market positions them. Since meaningful differences are difficult (or impossible) to find in competing bank services, the market will choose a bank with some other difference that resonates, no matter how apparently inconsequential.

Frost Bank in Texas is doing an excellent, coordinated job of reminding their market, “We’re from here,” every time they reach their eyes or ears. Consequently, Texans tend to perceive a Frost banker as “one of us.” That’s comforting. Stage Two is where focus, and managing the inconsequential, become critical.

The best opportunity lies with the mid-size banks. It will not be easy though. In fact, it requires significant intelligence and creativity, but the yield can be enormous. After all, today‘s Chase began life as one bank location in Manhattan.

 

About the Author

Steven Sessions has evaluated and developed successful business strategies based on over 25 years of experience working directly with CEOs and Boards of Directors. He has created and managed distinctive branding and effective marketing materials for industry leading companies as well as start-ups and mid-size companies. And we’ve created effective advertising and marketing materials for those companies as well.

There are many branding and marketing firms. The difference is that he has won over 400 top national awards for creative excellence and has been published as an expert in over 60 publications in the U.S. and overseas.

Take advantage of his creative thinking to increase sales and build brand equity. Visit his blog to see current articles on how branding and marketing can greatly improve your chances for business success in the marketplace.

 

Banks To Limit DEBIT Card Transactions To 50 Dollars

concept of online banking

Copyright (c) 2009 Matthew Williams

Within the change in the time the rise of the new internet era has contributed a lot in the life style of the people living on the earth. internet is bringing so much changing in peoples life that they can get whatever they think by sitting at home and without making any efforts. This is the benefit of using internet. As we can see everything from home accessories to beauty products, brands, services, consultants, gaming to online selling are done through internet. You only need to type the key word which you require and get the results at glance. Same is the case with banking.

Almost all the banks in the world are providing the online facility that includes from day to day transactions to account opening, issuing credit cards paying and getting the loans and debts and providing customers facilities to shop online. Some banks are also providing the facilities to draw cash from their bank accounts online and they can pay their bills online. Now this is what I call the revolution because the online banking is the best part about using the internet. With the use of online banks, you feel secure and by sitting at home you can do your monetary transactions and you do not need to go to bank time after time. Just log in to the website of your bank and enter your account number and that is it. You can get access to all the offers provided by banks to you and you can perform your desire task about your bank account.

The offer remains the same as they are for physical customers and sometimes banks offer more to people who deal online with their accounts. Sometimes the customer has problem to get access to their account instantly and they can not afford to go to their bank. At that time the online banking facility seems best to them for performing their monetary action that they require. All the international banks like RBS, Barclays, Standard Chartered, and State bank of America, JSB bank and many other famous and local banks have the online websites that provides facilities for customers to get connected with the banks from their homes, offices or even outside the country. This service also provides you with facility to open a new account online. You can get online forms and you have to fill the form and submit them. When you will have an online account with banks, they deal with your other matters and you are free of worries to go bank to solve your money problems.

So online service solves your all problems and you do not have to go out for consultancy. You just have to login from home that is why it is encouraged day by day and more people are using their online banking services because it is easy to access and you do not have to face the worries of waiting in queues and waiting rooms for your turns. In fact, you can have the instant and fastest transactions by simply clicking the buttons. That is why the concept of online banking is getting better and better day by day.

About the Author

Matthew Williams is a journalist who writes for the Online Payment and Online Banking, such as hrsaccount Dubbed Lil’ Dice on his websites www.hrsaccount.com he has gained experience in the news and entertainment industry and has a background in online banking.

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