The Four Intelligences of the Business Mind--Book Cover
The Four Intelligences of the Business Mind–Book Cover
The Four Intelligences of the Business Mind: How to Rewire Your Brain and Your Business for Success, by Valeh Nazemoff (CA Technologies, 2014), reviewed by Shel Horowitz, primary author, Guerrilla Marketing Goes Green

According to the Nazemoff, any successful business needs to concentrate on four different types of intelligence.

The first is financial intelligence, which most people already think about when they think about business.

But we also have to think about customer intelligence, data intelligence, mastermind intelligence. Mastermind is really what we normally think of as brainstorming. It’s the idea that a group of people can be smarter than any one individual.

In data intelligence, she suggests marrying the “9 Cs”—Collaborate, Consolidate, Communicate, Collect, Connect, Coordinate, Change, Converse, and Convert—to the classic 5Ws and an H that every beginning journalist learns to ask: Who, What, Where, When, Why, How.

Combining these, we get what she calls neuro-economics. And sometimes, small incremental changes that create a big result.

To me, the most interesting chapter was on customer intelligence. She talks about how to develop a customer profile, personas, and markets. and how to use this information to create communities. But she also shed some fascinating light on data. Specifically, the importance of determining whether your data is good. And I love her statement that success is not about how much data you have, but whether you have the right data.

These intelligences have implications in decision-making; Nazemoff talks about using them to determine who is responsible to make the decision, who is accountable, who gets consulted, and who simply gets informed.

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Today, I encountered a post from an Internet friend who lives in Israel, urging Israeli Prime Minister Benjamin “Bibi” Netenyahu to bomb Iranian nuclear facilities.

The post made me feel queasy. My original response was a desire to scream and yell that this was racist. Fortunately, I had enough self-control not to give into that stupid and unproductive urge. I also didn’t want to start a firestorm of negative attacks on me because I had the temerity to disagree with a view that I felt was both racist and extremist. And yet I wanted to confront this way of thinking and not let it go unchallenged.

So instead, I thought for a couple of minutes about what type of response would actually be heard and not blocked out—what could actually advance a dialog. (I will confess that I haven’t always been skilled in that type of response, but I think I’ve gotten much better in the past several years.

And this is what I finally wrote—knowing that my friend is deeply religious, and that an appeal to his religious convictions might actually get through.

Even as poor a student of the Torah as I am knows that God does not want to see innocent blood shed. Your recipe for Bibi would leave hundreds of thousands dead and the Middle East–including Israel–in flames. Possibly the entire world. I urge you to think carefully about unintended consequences.

And amazingly enough, this actually did open a door for some mild and thoughtful dialog. Not a perfect outcome but one I could feel reasonably good about. I had used the marketing principles I teach, and given the right message for the audience.

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Ooops! I’ve been reviewing my blog posts over the past several years, mining material for my next book. And I’m embarrassed to find this post, dated March 14, 2012, promising to report back on the results of a concentrated effort to get search engines to notice a particular page—in this case, the page for my resume writing services (once the mainstay of my commercial writing services, but now a considerably smaller percentage of my work).

So, better late than never, here are the results:

Whether it was the strategy I discussed in that post or something else, I’m pleased to report a definite uptick in inquiries (most of which come by phone, interestingly enough). Last year, for the first time in a long time, resume clients who found me by looking outnumbered those referred by past clients or colleagues—and virtually all of those were via Google or an online Yellow Pages (I think there were one or two who found me in the paper Yellow Pages). And while it’s still a very small part of my business, the overall number was significantly higher last year.

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Thursday night, I went to a workshop by my friend Ingrid Bredenberg, Essential Skills for 21st Century Leaders, put on by the graduate program in Leadership at American International College. Her curriculum was based on the DiSC personality matrix.

Short version: we often expect people to act as if they approach the world the same way we do—but actually, most people tend to emphasize certain personality traits and de-emphasize others. We fall into four sweeping personality categories, though with plenty of gray area and overlap. If you expect the same behavior patterns from someone with a different way of looking at the world, you both will be disappointed and frustrated.

The four personaity categories, according to DiSC (image by Shel Horowitz)
The four personality categories, according to DiSC (image by Shel Horowitz)

The two axes measure whether a person is outgoing or reserved, and whether he or she focuses more on people or on tasks.

Dominants (D) are outgoing and very focused on results. They ask What questions, like “what has to happen to move this forward?”

Influencers (i) are also outgoing, but much more people-oriented. They ask Who questions, like “who should be part of the team?”

Steady (S) people are a lot quieter and dependable. When a D or i initiates a project, often it’s the S who gets it done. Look for How questions: “How can we accomplish this task?

And the Conscientious (C) are task-oriented introverts who ask Why questions, such as “why do we need to do this?”

The thing about personality traits is that they are strengths up to a point—but in overdrive, they become weaknesses. A super-intense D may turn lets-get-it-done into running roughshod over others and becoming a tyrant, while a super-C can turn caution into stubbornness, dig heels in and not move forward. A super-i could be annoyingly flighty even at a party, eventually, while a super-S might turn strong loyalty into blind obedience. (These are my examples, not Ingrid’s.)

Why does the i take a small letter when the other three are capitalized? Ingrid thought it might have been as simple as the need to make it clear that it was not a lower-case L. In the sans-serif typefaces that DiSC’s graphics people favor, those two look pretty similar.

As a marketer rather than a manager, I see implications far beyond running a meeting or tasking a project through an organization. Just as in the green world, I tell my clients to message differently to Deep Greens, Lazy Greens, and Nongreens, and just as many marketers tell you to market differently to people who learn by sight, sound, or touch (visual, aural, or kinesthetic), so it’s important to reach the different personality styles with messages that resonate with each.

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Old Movie Camera: How much real news went through these cameras? And how much goes through today's?
How much real news went through these cameras? And how much goes through today’s?

When I’m in airports, fitness centers, and other places that force-feed TV news, I’m always astonished that anyone takes it seriously. Even in the 60s when they had real news staffs, it was so superficial. I read somewhere that an entire 1-hour newscast transcript would only fill a couple of columns on a page of the NY Times.

These days, it’s far worse than “if it bleeds, it leads.” Murder, mayhem, celebrity gossip, and an astonishingly small amount of actual news, and even less serious analysis. And those are the serious networks. Add in a serious case of propaganda and distortion and you can’t be surprised at how little most Americans understand their world, if they accept what’s fed to them by the medium they’ve chosen to “consume” the news.

Of course, the good news is that anyone who wants to educate themselves now has unlimited choices from around the world. My favorite newspaper these days is London’s The Guardian. I don’t think I’ve ever seen an actual paper copy.

In the 1980s, I used to subscribe to a magazine called World Press Review, which featured reportage on the same story from 8 or 10 different papers around the world; it was like a one-stop course in media literacy and the nature of 1) matching message to audience, and 2) shaping the audience through the message. Since I made (and continue to make) my career as a marketer and a journalist, these were crucial lessons.

However, it was a monthly, and the stories were at least three months old by the time they got to my mailbox. Of course, technology has passed it by now, and I don’t miss it; we can easily get the same effect by viewing the same story on NPR, Fox News, Al Jazeera-English, the New York Times, Paris Match (which Google will even translate for you, sort of), and your local newspaper.

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Many years ago, I signed up for a Discover card for some very specific reason (it may have been in connection with buying an appliance from Sears, which owns Discover). I use this card so rarely that at least twice, when I’ve received replacement cards, I noticed that I had never bothered to activate the one that was about to expire.

So I was extremely amused to get a very hypey 4-page mailer—it looks like the copywriter studied all the greats and completely misunderstood the lessons—that begins (bolding and underline in original—see picture),

Headline of the lying letter from Discover
Headline of the lying letter from Discover

YOU’RE ABOUT TO BE REWARDED …
The Loyalty You’ve Demonstrated
The Past 14 Years Has Earned
You This Exclusive Invitation.

How Exclusive? Fewer Than
One Discover® Cardmember In Five
Is Receiving This Mailing.

And then it goes on to tell me I qualify for fast-track balance repayment that could shave a year and several thousand dollars off my repayments.

What’s wrong with this picture? Let me count the ways:

  1. As I mentioned, I’m not a loyal customer. I don’t even keep this card in my wallet. So I don’t believe the copywriter’s attempt to make this offer sound exclusive.
  2. Even if this were my primary card, I’m not exactly bowled over to learn that 20 percent of a user base in the millions is getting the offer. Exclusive? Ha ha ha.
  3. One more way to assure me this is nothing resembling the exclusive offer it pretends to be: the invitation code (required to participate in the program)—is 23 characters long, not counting hyphens.
  4. The lack of segmentation—OK, so this is the mailing manager’s fault, rather than the copywriter’s—is appalling. I never carry a balance. On ANY of my credit cards. I use them as 20- to 50-day access to funds without accruing interest, an easy way to track my purchases and save on postage (by paying one bill on line rather than a bunch of bills with mailed checks), and oh yes, a way to get air travel by accumulating frequent-flyer points for stuff I was going to buy anyway. So under any circumstances, I’m not even in the target market for this “exclusive” offer.
  5. The text of the letter is actually a strong argument against running up credit-card balances. It shows just how much this costs—something many consumers barely think about. The takeaway I get from this letter is don’t buy what you can’t afford, and pay your bills on time and in full, as I do, so you never pay these exorbitant charges.
  6. The meme of “make 2015 the year you took control” is ludicrous. You want to take control of your credit card debt? Pay off your balance and stop running it higher. Switching from five to four years of repayment servitude doesn’t cut it.
  7. Finally, the visual layout is a real turn-off. The thing is just drowning in too much bold, too much underlining (and the underlining is inconsistent—either underline the individual words or the phrases including the spaces, but don’t mix them), too many call-outs in a fake-handwriting font (does the designer really think we’re going to be fooled by the slight bowing in the underline?).
  8. Page 1 of the lying letter from Discover
    Page 1 of the lying letter from Discover

    Oh, yeah, on page two, which is even more cluttered with bold, underlining, and “handwritten” pull-outs, a footnote mentions that not everybody gets the spiffy 6.99% APR that “Jim” gets. Some people are going to pay usurious rates of up to 18.99%—YIKES!

It’s letters like this that give marketers a bad name.

This letter actually did inspire me to take action. First, I’m writing this blog. I get to use them as an example of how not to do direct mail. And second, I’m finally going to cancel my Discover card. I don’t choose to do business with companies that lie to me.

By the way, if you’d like marketing that doesn’t scream, doesn’t lie, addresses its exact target audience and effectively differentiates your products and services, give me a call at 413-586-2388 (8 a.m. to 10 p.m., US Eastern Time) or drop me a note. I make my living as a marketing and profitability consultant, with particular emphasis on green/socially conscious, businesses, independent small business, and authors/publishers.

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Elizabeth Warren (@SenWarren, @ElizabethForMA) speaks to me far more deeply than anyone named Clinton. On domestic policy, she’s a wonder (foreign policy, not so much), and I’m proud that she’s my Senator. However, I think if she or Vermont Senator Bernie Sanders (@SenSanders) ran for President, they would be leaving a platform where they can be the conscience of the country, highly visible and highly effective, into a position of acutely marginalized and quickly forgotten.

I’ve certainly been involved with plenty of quixotic progressive presidential campaigns, most recently former Ohio Rep. Dennis Kucinich (@Dennis_Kucinich). The problem is–as our political system is currently structured, when these folks are shut out of debates, underfunded, stretched waaaaay too thin, etc., they make the case to the center-right that the Left can be safely ignored.

I’d much rather see Warren leading a challenge to a Hillary candidacy to push leftward from a position of strength, offering positions and cabinet names and being taken seriously. I’d also like to see Warren provide the same kind of gravitas and deep analysis to her own foreign policy that she so cogently brings to domestic economic issues; there’s room for quite a bit of improvement there.

Also, for Warren but not Sanders, there’s the issue of inexperience. She was elected in 2012, which means when the campaign starts to heat up in 2015, she’ll have only had two years and change of experience as an elected official. That’s significantly less than Obama had–he was a state senator before moving up to the federal level–and I think that was one of the things that really got in the way of his effectiveness.

Had Obama been more experienced, he might have taken the huge organizing momentum of his 2008 campaign and actively translated it into a people’s movement for real change. I think, in the aftermath of that election, if GOP lawmakers had been hearing from thousands of their constituents daily about a set of chosen issues (maybe two or three at a time), they’d have crumbled, and Obama would have been seen as one of the most effective Presidents ever. But Obama and the Democrats threw that rare chance overboard without a struggle. Remember “public option is off the table,” and single-payer never being on the table in the first place? Just one of many squandered opportunities to do what he was elected to do: make change.

Had Obama been more experienced, he would have understood–as LBJ did–when and how to push hard for real reforms. He would have marshaled resources for a massive shift in the way we do energy, closed the festering sore of Guantanamo, exited rapidly from Iraq and Afghanistan, etc.

And had he been more experienced, he might have taken more risks with his Cabinet, and not put so much faith in the Clinton- and Bush-era politicos who were suddenly making policy again.

Neither Warren nor Sanders has an effective national base. While they are a very visible part of our nation’s conscience, I don’t think they’d remain so in a presidential campaign. Let’s keep them where they are so they can build that base. And maybe, by 2020, mobilize it.

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In yesterday’s post, “Does Making Decisions Lower Our Math Skills?” I looked at Paul Petrone’s article, “The Genius of Wearing the Same Outfit Every Day.” He describes why President Barack Obama (to simplify his day) and Steve Jobs (to brand himself) wear similar outfits day after day. Yesterday, I looked at the part of Petrone’s article that supported Obama’s reasoning, claiming that too many decisions weaken our brains. I took issue with that, as you’ll see if you click through.

But I’m basically in agreement with the other part of Petrone’s article: there can indeed be solid branding reasons behind keeping a wardrobe choice to a bunch of identical black turtlenecks, as Jobs did. For jobs, the black turtleneck made a lot of sense, for several reasons:

  • It’s sleek and modern looking, like Apple’s product line (at least if you stay trim, as Jobs did)
  • It reinforces the “think different” culture at Apple, a company that has built its brand from the beginning on not being the corporate-zombie persona that wears conventional business attire and buys conventional (IBM) computers; the very first Macintosh ad said, “you’ll see why 1984 won’t be like ‘1984.’”

So now, let me jump into uncharted (and maybe shark-infested) waters: let’s look at President Obama’s wardrobe choice from a branding perspective. And let’s start by looking at the wardrobe choices of his own bed partner, First Lady Michelle Obama.

Michelle’s fashion choices for formal occasions are quite dramatic. Typically her outfits combine three elements: they’re bold, elegant, and surprising. She’s the most fashionista First Lady I can remember, surpassing even Jacqueline Kennedy.

Her husband Barack Obama, however, tends to dress “safe,” in conservative dark suits. When he wore a sharp-looking tan suit, he was heavily criticized—but I thought it was a good move, though years too late. (In fairness—the commentator who started it all said he didn’t care that the suit was tan, but he didn’t think it fit properly.) Still, in typical Barack Obama fashion, he retreated with his actions and went back to his power suits.

The problem is, those “safe” dark suits are at odds with the brand of his 2008 campaign: “change.” The boldness of his rhetoric wasn’t matched by the drab sameness of his attire.

I empathize with him. I don’t spend a lot of energy thinking about the clothes I wear, and I usually dress for comfort. I’m not particularly comfortable in suits and abhor neckties. But I do wonder—and here’s the big heresy:

Would President Barack Obama have had an easier time pushing an agenda of “change” if he had dressed the part?

If, starting on the campaign trail in 2007, he had emphasized Michelle Obama’s three wardrobe attributes of boldness, elegance, and surprise, would he have been better able to marshall support for his initiatives? Is the conformist wardrobe secretly saying “I’m not serious about change”?

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How many times will they try to beat us into submission before they see it doesn’t work?

It’s bad enough that I have to delete some 200 spams a day from my email inboxes…that I get at least 10 junk calls every week from robots, and another 5 or so from poorly trained humans…that I have to spend my precious time flushing spams out of the moderation queues on my WordPress sites.

It is absolutely unacceptable that today, not only did I get two bounce messages from Russia for emails I never sent, I actually got a robocall (about lowering my credit card rate) that showed up with my own name and number on caller ID!

I was among the first to sign up for the do-not-call list. I moderate my website comments, so no junk gets through. And I value my reputation to the point where if I could figure out how to track and report these scum who are trashing my good name pretending to be me, I would make things very ugly for them.

Attention spammers: if you think I will *ever* do business with someone who not only forces unwanted (and often-deceptive) intrusions on me, but actually forges my name to the attempt, you are sorely mistaken. To paraphrase Phil Ochs, “Stupid spammer, find another planet to be part of!” And in the meantime, at least get me OFF your list!

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When Bank of America bought Countrywide Bank for $2.5 billion in 2008, it inherited Countrywide’s infamous toxic mortgage policies.

By 2011, the Wall Street Journal reported that the acquisition had already racked up $20.6 billion in charges related to Countrywide’s shady mortgage practices:$8.5 billion to investors, $5.5 billion into a defective-mortgage payback fund to cover future claims, and $6.6 billion in various other costs.

And now there’s more bad news for the company’s shareholders: a $16.65 billion settlement with the Justice Department over the Countrywide mortgages. And let’s not forget the legal bill, now around $70 billion, not to mention the possibility of criminal prosecutions.

In short, Countrywide’s disgusting practices have now cost Bank of America over $107 billion: more than 50 times the acquisition price.

Lessons to businesses:
1. Business ethics is a lot cheaper than predatory practices
2. Be very careful when you buy toxic “assets” that turn out to be big liabilities

I’ve been making the case since at least 2002 that green and ethical business practices are more profitable than crooked ones. If you’d like to know more, please pick up a copy of my . It’s been on the best-seller list at least 32 months, so I guess people find it pretty useful.

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