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	<title>Comments on: Dallas Credit Union Launching &#8216;Young &amp; Free&#8217; Knockoff</title>
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	<description>Ideas and insights for financial marketers.</description>
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		<title>By: &#8216;World&#8217;s Coolest Intern&#8217; teaches social media lessons &#187; The Financial Brand: Marketing Insights for Banks &#38; Credit Unions</title>
		<link>http://thefinancialbrand.com/1078/young-and-free-knockoff/comment-page-1/#comment-11654</link>
		<dc:creator>&#8216;World&#8217;s Coolest Intern&#8217; teaches social media lessons &#187; The Financial Brand: Marketing Insights for Banks &#38; Credit Unions</dc:creator>
		<pubDate>Thu, 07 Oct 2010 03:09:06 +0000</pubDate>
		<guid isPermaLink="false">http://thefinancialbrand.com/?p=1078#comment-11654</guid>
		<description>[...] Not everyone finds success with their Young &amp; Free knockoffs. They struggle for one (or all) of the following reasons: [...]</description>
		<content:encoded><![CDATA[<p>[...] Not everyone finds success with their Young &amp; Free knockoffs. They struggle for one (or all) of the following reasons: [...]</p>
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		<title>By: The Financial Brand &#187; Q&#38;A: Verity Credit Union&#8217;s mommy blogger</title>
		<link>http://thefinancialbrand.com/1078/young-and-free-knockoff/comment-page-1/#comment-3510</link>
		<dc:creator>The Financial Brand &#187; Q&#38;A: Verity Credit Union&#8217;s mommy blogger</dc:creator>
		<pubDate>Thu, 03 Dec 2009 11:22:56 +0000</pubDate>
		<guid isPermaLink="false">http://thefinancialbrand.com/?p=1078#comment-3510</guid>
		<description>[...] acclaimed Young &amp; Free &#8220;challenge marketing&#8221; promotion from Currency Marketing. The basic formula in this strategy starts with a huge marketing push to recruit a spokesperson (or [...]</description>
		<content:encoded><![CDATA[<p>[...] acclaimed Young &amp; Free &#8220;challenge marketing&#8221; promotion from Currency Marketing. The basic formula in this strategy starts with a huge marketing push to recruit a spokesperson (or [...]</p>
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		<title>By: The Financial Brand &#187; Blog Archive &#187; Censored! Federal agencies afraid of fear mongering</title>
		<link>http://thefinancialbrand.com/1078/young-and-free-knockoff/comment-page-1/#comment-1814</link>
		<dc:creator>The Financial Brand &#187; Blog Archive &#187; Censored! Federal agencies afraid of fear mongering</dc:creator>
		<pubDate>Wed, 11 Mar 2009 11:23:09 +0000</pubDate>
		<guid isPermaLink="false">http://thefinancialbrand.com/?p=1078#comment-1814</guid>
		<description>[...] fall, the NCUA and Texas Credit Union Commissioner Harold Feeney ordered Resource One Credit Union in Dallas to stop running an ad that said: &#8220;What is safer than money in the bank? Depositing [...]</description>
		<content:encoded><![CDATA[<p>[...] fall, the NCUA and Texas Credit Union Commissioner Harold Feeney ordered Resource One Credit Union in Dallas to stop running an ad that said: &#8220;What is safer than money in the bank? Depositing [...]</p>
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		<title>By: The Financial Brand &#187; Blog Archive &#187; 2008: The Year in Review</title>
		<link>http://thefinancialbrand.com/1078/young-and-free-knockoff/comment-page-1/#comment-1298</link>
		<dc:creator>The Financial Brand &#187; Blog Archive &#187; 2008: The Year in Review</dc:creator>
		<pubDate>Wed, 31 Dec 2008 19:33:47 +0000</pubDate>
		<guid isPermaLink="false">http://thefinancialbrand.com/?p=1078#comment-1298</guid>
		<description>[...] Dallas credit union to launch Young &amp; Free knockoff [...]</description>
		<content:encoded><![CDATA[<p>[...] Dallas credit union to launch Young &amp; Free knockoff [...]</p>
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		<title>By: The Financial Brand &#187; Blog Archive &#187; Texas-sized trademark trouble brewing over name</title>
		<link>http://thefinancialbrand.com/1078/young-and-free-knockoff/comment-page-1/#comment-1059</link>
		<dc:creator>The Financial Brand &#187; Blog Archive &#187; Texas-sized trademark trouble brewing over name</dc:creator>
		<pubDate>Tue, 18 Nov 2008 15:34:42 +0000</pubDate>
		<guid isPermaLink="false">http://thefinancialbrand.com/?p=1078#comment-1059</guid>
		<description>[...] the name Vista. And while we&#8217;re on the subject of Texas imitators, don&#8217;t forget about this story. Previous related stories from The Financial Brand:Will the real &#8216;Vista Bank&#8217; in Texas [...]</description>
		<content:encoded><![CDATA[<p>[...] the name Vista. And while we&#8217;re on the subject of Texas imitators, don&#8217;t forget about this story. Previous related stories from The Financial Brand:Will the real &#8216;Vista Bank&#8217; in Texas [...]</p>
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		<title>By: Young &#38; Free targets Gen Y in Texas, but they&#8217;re not alone &#171; market insights insider</title>
		<link>http://thefinancialbrand.com/1078/young-and-free-knockoff/comment-page-1/#comment-681</link>
		<dc:creator>Young &#38; Free targets Gen Y in Texas, but they&#8217;re not alone &#171; market insights insider</dc:creator>
		<pubDate>Fri, 10 Oct 2008 15:11:38 +0000</pubDate>
		<guid isPermaLink="false">http://thefinancialbrand.com/?p=1078#comment-681</guid>
		<description>[...] discussing both of these accounts/initiatives in depth, one on Everything CU and another on The Financial Brand. Possibly related posts: (automatically generated)Deadline Extended in the Search for the First [...]</description>
		<content:encoded><![CDATA[<p>[...] discussing both of these accounts/initiatives in depth, one on Everything CU and another on The Financial Brand. Possibly related posts: (automatically generated)Deadline Extended in the Search for the First [...]</p>
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		<title>By: Why MyLifeMyMoney is great for the CU Industry (And possibly even better for Currency Marketing) &#171; The CU Skeptic</title>
		<link>http://thefinancialbrand.com/1078/young-and-free-knockoff/comment-page-1/#comment-523</link>
		<dc:creator>Why MyLifeMyMoney is great for the CU Industry (And possibly even better for Currency Marketing) &#171; The CU Skeptic</dc:creator>
		<pubDate>Wed, 17 Sep 2008 13:38:20 +0000</pubDate>
		<guid isPermaLink="false">http://thefinancialbrand.com/?p=1078#comment-523</guid>
		<description>[...] the buzz around the CU blogosphere and in case you&#8217;ve been living under a rock, you can go here and here to catchup with all the [...]</description>
		<content:encoded><![CDATA[<p>[...] the buzz around the CU blogosphere and in case you&#8217;ve been living under a rock, you can go here and here to catchup with all the [...]</p>
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		<title>By: Sarah</title>
		<link>http://thefinancialbrand.com/1078/young-and-free-knockoff/comment-page-1/#comment-278</link>
		<dc:creator>Sarah</dc:creator>
		<pubDate>Wed, 13 Aug 2008 23:17:25 +0000</pubDate>
		<guid isPermaLink="false">http://thefinancialbrand.com/?p=1078#comment-278</guid>
		<description>How absolutely awful for Resource One!  Did anyone check out Larissa&#039;s reply to this post?  It&#039;s of her on the news about a YEAR ago where she claims she coined the term &quot;Spokester&quot;.  

I give major kudos to Young &amp; Free, what a revolution!  Also, I think that at this point it doesn&#039;t matter if Resource One ripped this off or not, perception is 9/10ths reality, and by now, looking at all this bad press they&#039;re getting, they&#039;re going to have a doubly hard time trying to pass off roadkill as an appetizing steak.

Shame on their marketing or advertising agency, or whoever convinced them to use this rip-off.  Is everyone over there blind?  Do they not have the Internet!?</description>
		<content:encoded><![CDATA[<p>How absolutely awful for Resource One!  Did anyone check out Larissa&#8217;s reply to this post?  It&#8217;s of her on the news about a YEAR ago where she claims she coined the term &#8220;Spokester&#8221;.  </p>
<p>I give major kudos to Young &amp; Free, what a revolution!  Also, I think that at this point it doesn&#8217;t matter if Resource One ripped this off or not, perception is 9/10ths reality, and by now, looking at all this bad press they&#8217;re getting, they&#8217;re going to have a doubly hard time trying to pass off roadkill as an appetizing steak.</p>
<p>Shame on their marketing or advertising agency, or whoever convinced them to use this rip-off.  Is everyone over there blind?  Do they not have the Internet!?</p>
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		<title>By: The Perfect Marketing Test? &#171; Ron Shevlin&#8217;s Marketing Whims</title>
		<link>http://thefinancialbrand.com/1078/young-and-free-knockoff/comment-page-1/#comment-269</link>
		<dc:creator>The Perfect Marketing Test? &#171; Ron Shevlin&#8217;s Marketing Whims</dc:creator>
		<pubDate>Wed, 13 Aug 2008 02:54:44 +0000</pubDate>
		<guid isPermaLink="false">http://thefinancialbrand.com/?p=1078#comment-269</guid>
		<description>[...] One Credit Union of Dallas recently launched a campaign it calls MyLifeMyMoney. According to The Financial Brand blog: Contestants will submit a 500-word blog and video online during the first phase of the [...]</description>
		<content:encoded><![CDATA[<p>[...] One Credit Union of Dallas recently launched a campaign it calls MyLifeMyMoney. According to The Financial Brand blog: Contestants will submit a 500-word blog and video online during the first phase of the [...]</p>
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		<title>By: Christopher</title>
		<link>http://thefinancialbrand.com/1078/young-and-free-knockoff/comment-page-1/#comment-268</link>
		<dc:creator>Christopher</dc:creator>
		<pubDate>Wed, 13 Aug 2008 02:03:43 +0000</pubDate>
		<guid isPermaLink="false">http://thefinancialbrand.com/?p=1078#comment-268</guid>
		<description>It&#039;s like they created a generic version. Why have hamburger when you can have steak?</description>
		<content:encoded><![CDATA[<p>It&#8217;s like they created a generic version. Why have hamburger when you can have steak?</p>
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		<title>By: Showdown, Texas-style &#171; EverythingCU.com World 2.0 Adventure</title>
		<link>http://thefinancialbrand.com/1078/young-and-free-knockoff/comment-page-1/#comment-266</link>
		<dc:creator>Showdown, Texas-style &#171; EverythingCU.com World 2.0 Adventure</dc:creator>
		<pubDate>Wed, 13 Aug 2008 01:44:50 +0000</pubDate>
		<guid isPermaLink="false">http://thefinancialbrand.com/?p=1078#comment-266</guid>
		<description>[...] first time in the United States, was tempered with the news that another credit union in Texas has copied the Young &amp; Free concept, nearly line for [...]</description>
		<content:encoded><![CDATA[<p>[...] first time in the United States, was tempered with the news that another credit union in Texas has copied the Young &amp; Free concept, nearly line for [...]</p>
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		<title>By: Larissa Walkiw</title>
		<link>http://thefinancialbrand.com/1078/young-and-free-knockoff/comment-page-1/#comment-255</link>
		<dc:creator>Larissa Walkiw</dc:creator>
		<pubDate>Sun, 10 Aug 2008 03:59:15 +0000</pubDate>
		<guid isPermaLink="false">http://thefinancialbrand.com/?p=1078#comment-255</guid>
		<description>1:05 - 1:18
http://www.youtube.com/watch?v=NKr95XQc7to&amp;feature=related</description>
		<content:encoded><![CDATA[<p>1:05 &#8211; 1:18<br />
<a href="http://www.youtube.com/watch?v=NKr95XQc7to&#038;feature=related" rel="nofollow">http://www.youtube.com/watch?v=NKr95XQc7to&#038;feature=related</a></p>
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		<title>By: Jeffry Pilcher</title>
		<link>http://thefinancialbrand.com/1078/young-and-free-knockoff/comment-page-1/#comment-252</link>
		<dc:creator>Jeffry Pilcher</dc:creator>
		<pubDate>Sat, 09 Aug 2008 08:37:19 +0000</pubDate>
		<guid isPermaLink="false">http://thefinancialbrand.com/?p=1078#comment-252</guid>
		<description>Hi Tony,

I understand what you&#039;re saying about any future social media programs being compared to Y&amp;F. You&#039;re right. It&#039;s probably inevitable that people will ask, &quot;Will it be better?&quot; &quot;What new twist is there?&quot; &quot;How will this different than Y&amp;F?&quot; In this case however, there doesn&#039;t seem to be much of a comparison to make.</description>
		<content:encoded><![CDATA[<p>Hi Tony,</p>
<p>I understand what you&#8217;re saying about any future social media programs being compared to Y&#038;F. You&#8217;re right. It&#8217;s probably inevitable that people will ask, &#8220;Will it be better?&#8221; &#8220;What new twist is there?&#8221; &#8220;How will this different than Y&#038;F?&#8221; In this case however, there doesn&#8217;t seem to be much of a comparison to make.</p>
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		<title>By: Tina</title>
		<link>http://thefinancialbrand.com/1078/young-and-free-knockoff/comment-page-1/#comment-247</link>
		<dc:creator>Tina</dc:creator>
		<pubDate>Sat, 09 Aug 2008 00:23:38 +0000</pubDate>
		<guid isPermaLink="false">http://thefinancialbrand.com/?p=1078#comment-247</guid>
		<description>I agree.

It&#039;s difficult to be unique in a world full of knock-offs, and imitation is the highest form of flattery.  But there&#039;s a fine line between emulating and flat-out ripping off.

It seems this program is line by line a cheap version of the real deal in Canada.  Check out http://www.mylifemymoney.org.  It&#039;s the microsite mentioned in the above article, (you were right!) that Resource One is currently using to give the Gen Y people all the information about the program.

Nobody has mentioned this tie either, the My Life My Money name is trademarked by Spokane Teachers Credit Union, a credit union in Washington.  http://www.stcu.org/ 

Ah, the beauty of &quot;Google&quot;.  Possible legal woes already?</description>
		<content:encoded><![CDATA[<p>I agree.</p>
<p>It&#8217;s difficult to be unique in a world full of knock-offs, and imitation is the highest form of flattery.  But there&#8217;s a fine line between emulating and flat-out ripping off.</p>
<p>It seems this program is line by line a cheap version of the real deal in Canada.  Check out <a href="http://www.mylifemymoney.org" rel="nofollow">http://www.mylifemymoney.org</a>.  It&#8217;s the microsite mentioned in the above article, (you were right!) that Resource One is currently using to give the Gen Y people all the information about the program.</p>
<p>Nobody has mentioned this tie either, the My Life My Money name is trademarked by Spokane Teachers Credit Union, a credit union in Washington.  <a href="http://www.stcu.org/" rel="nofollow">http://www.stcu.org/</a> </p>
<p>Ah, the beauty of &#8220;Google&#8221;.  Possible legal woes already?</p>
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		<title>By: Tony Mannor</title>
		<link>http://thefinancialbrand.com/1078/young-and-free-knockoff/comment-page-1/#comment-243</link>
		<dc:creator>Tony Mannor</dc:creator>
		<pubDate>Fri, 08 Aug 2008 18:57:54 +0000</pubDate>
		<guid isPermaLink="false">http://thefinancialbrand.com/?p=1078#comment-243</guid>
		<description>J.P. 

It is going to be hard for any credit union to do any sort of social media experiment on the scale of Y&amp;F without being compared to Y&amp;F. That always happens when you are the first.

I am currently working on 2 separate campaigns that have elements of the Y&amp;F like a spokesperson search (well one has a spokesperson search the other has an actor). But I would never rip a term like &quot;Spokester&quot; - too close to Y&amp;F. 

Both campaigns I am working on have online and offline components as well as social media components. I know that they will be compared to Y&amp;F and even to what First Entertainment is doing (If I am lucky).

The same thing happens in design. We all watch MTV and look through magazines to see what design trends are popping up. Hopefully we put our own creative spin on the visuals and dont just completely rip them off - but I have had clients give me pages from magazines and say &quot;Make it look exactly like that&quot;. It makes my skin crawl, but we basically do what we are paid to do. I give my guidance, suggestions, input and all that, but at the en of the day - you try to give the client what they ask for.

We all hope to see success like Y&amp;F. Unfortunately some people will think that making a knockoff will create the same effect. Most of the time they dont realize that the success of those campaign ventures rely on the innovative and creative nature of the people behind them (at the agency and the credit union), and not solely on the marketing gimmicks at play. The agency and the credit union have said that they were 100% behind making this campaign successful and were 100% invested in the concept. You see the same kind of passion at Forum and Verity too.

Knockoffs are never as good or as successful as the originals. That is just the nature of the business. Being first does have its advantages.</description>
		<content:encoded><![CDATA[<p>J.P. </p>
<p>It is going to be hard for any credit union to do any sort of social media experiment on the scale of Y&amp;F without being compared to Y&amp;F. That always happens when you are the first.</p>
<p>I am currently working on 2 separate campaigns that have elements of the Y&amp;F like a spokesperson search (well one has a spokesperson search the other has an actor). But I would never rip a term like &#8220;Spokester&#8221; &#8211; too close to Y&amp;F. </p>
<p>Both campaigns I am working on have online and offline components as well as social media components. I know that they will be compared to Y&amp;F and even to what First Entertainment is doing (If I am lucky).</p>
<p>The same thing happens in design. We all watch MTV and look through magazines to see what design trends are popping up. Hopefully we put our own creative spin on the visuals and dont just completely rip them off &#8211; but I have had clients give me pages from magazines and say &#8220;Make it look exactly like that&#8221;. It makes my skin crawl, but we basically do what we are paid to do. I give my guidance, suggestions, input and all that, but at the en of the day &#8211; you try to give the client what they ask for.</p>
<p>We all hope to see success like Y&amp;F. Unfortunately some people will think that making a knockoff will create the same effect. Most of the time they dont realize that the success of those campaign ventures rely on the innovative and creative nature of the people behind them (at the agency and the credit union), and not solely on the marketing gimmicks at play. The agency and the credit union have said that they were 100% behind making this campaign successful and were 100% invested in the concept. You see the same kind of passion at Forum and Verity too.</p>
<p>Knockoffs are never as good or as successful as the originals. That is just the nature of the business. Being first does have its advantages.</p>
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