In some of my recent articles, I wrote about the structure of the banking industry, the incentive structure for bankers and the importance of paying lower fees for investment services. As I expected, many of my former colleagues from the banking community were a bit unhappy about their portrayal however they agreed that the problem is structural within the industry and my articles are not a personal attack. They also highlighted to me that negotiating for fee is an art and that I should write about what would make a banker more willing to deal with the client on mutually agreeable terms. After all, negotiation is not a one way street! All of us have read negative stories in the media about unscrupulous bankers and their aggressive tactics and often questionable advice. However what we rarely get to read about it how clients themselves are not always the easiest ......