Kategorie(n): Aktuelles, Allgemein

The title is an eye-catcher. Golden cover, which – admittedly somewhat worn-out synergy formula – 1 + 1 = 3 and then read everything like: „The number tricksters – How insurers, banks and corporations manipulate our behavior.“ Supplemented by the promise „… and how to see through them“.

To put it in a nutshell: The article is nice and in some ways a disappointment. But that must be a sobering verdict for a leading business magazine. I therefore tell you why he is just nice:

  • Rational but, irrespective of reason, irrational – and therefore expensive – buying decisions.
  • Of course, it is technically correct that there are phones that have better value for money than Apple’s iPhone. But to my knowledge, we live in a free country, with free citizens who can decide if you want to pay the higher price. Consciously or unconsciously, whether or not reflected or unreflective – is willing to pay for it.
  • However, it is only the evil providers who are the culprits who trick, manipulate or seduce the poor consumer in a curious way into overpriced deals. No word about responsibility of the responsible consumer.

And here it starts to get disappointing. Apparently this black and white is easier. That the banks and insurers are lifted as industries on the title – as a gift. They are already in the dirty corner, that confirms the existing assessment, that’s something you like to read.

But it goes even further and, in a negative sense, gets even better: At the end of the article, the author gives a tip on how consumers should react to the actions of companies – especially in the financial sector. Since the section is so bizarre, let me quote a longer section:

„So what to do? Anyone who sees through the feints, can consciously counter. But that’s tedious and the success is uncertain. The alternative: buy shares of insurance companies and banks. After all, what the consumer goods manufacturers have perfected is only just beginning to be used by financial service providers – at least in institutions with strong private customer business. The catch-up and profit potential is enormous. „(Capital, September 2015, p. 123)

I read the section several times because I could not believe what I read. And honestly, I did not want to believe what the content says. There are two such tremendous monstrosities:

  1. To see through and to hold against is laborious and the success is uncertain. In plain language this means: Dear consumer, let you continue to fool, thinking is too exhausting for you and it’s not worth it anyway. I can not believe it.

Hello, Capital, you really think so about your readers. Is this the claim that your tips on how to see through corporations have? Just poor.

  1. And the second point is not much better: Six pages are denounced the manipulative machinations of corporations and in the end it is recommended to invest exactly in these stores, since the profit potential is so vast. What kind of ethics is that? I can only describe this with surrender and bankruptcy. I think it’s not alright, but then I just change the pages – in this case, then on the dark side – and at least financially profit from the procedure that I think is not good.

Conclusion: A really questionable article, average story with catastrophic recommendations for action. But there is one question left and this runs through the entire article: What does Capital have for a picture of man?
Hi Capital editors, what do you have for a human image?!?

The evil corporations dupe naive consumers. There are two of them. I’m not kidding Apple, I have an iPhone 4S, which I bought a few months ago for 72 EUR. Why? Because I am technically quite sufficient, because I am not willing to pay 600 or 700 EUR for an iPhone and because I like to renounce the image of the golden 6S. Since Apple can set its pricing strategically as it wants, transparent or manipulative – sorry, I can not get it! Why is the article not even asked the question of self-responsibility of responsible consumers? Instead, does he get the policy to invest in the stores that manipulate him? And in the same breath he is told that resistance to such manipulated behavior rarely leads to success anyway. Weak!