The Dutch have a vibrant, diverse economy. Oil, Electronics, Banking, Tourism, Pharmaceuticals, Tulips, Dairy farming and Agriculture are the big industries in Holland. Many of the biggest companies are partially owned by the royal family including Royal Dutch Shell, KLM, and the biggest banks. Unemployment in recent years has been so low it’s staggering, about 2%. The Dutch are desperate for skilled workers especially in high tech fields. Other large Dutch companies include Phillips Electronics, ABN-AMRO Bank, Ahold (food). These are huge multinationals that are presently buying up businesses in other countries including the US. So you might say the Dutch are entering their second ‘Golden Age’.

The Dutch banking system is rather unique. Personal checks are rarely used in Holland. Instead they have a system of Giros which are like a check, except you’re often expected to present it to your own bank to credit someone else’s account at another bank. In other words, only your bank processes your giros. At least that’s how I figure it. Credit card use is minimal since the Dutch don’t like paying interest. Smart cards (debit cards with a chip) have been in use for years. They can be used for phone calls or to get cash from special machines (not ATMs). You can transfer money from your account into the chip, which then dispenses the money or pays for services as you use it. So it’s like having cash, without the currency in your pocket.

In general the Dutch are very secretive about money and won’t discuss their own situation at all. They’ll all talk about everyone else, but themselves. The Dutch currency is perhaps some of the most striking on the planet. Colorful, with great graphics, images, watermarks, metal strips, shiny inks they are virtually irreproducible. Unfortunately, the Euro will be introduced on Jan 1st, 2002, and then all those beautiful colored banknotes will be gone.

The Dutch have a great fondness for money and horde all they can. It’s the national pastime. Getting a Dutchman to part with a guilder can be a difficult task. The only thing worse is trying to do business with them. I’m not sure if it’s a clan mentality, but it’s definitely a by-product of the system of guilds that locked business into the hands of those who “belong”. To an outsider this is daunting, and can be an insurmountable obstacle.

Fortunately the EU has brought about much change at last to the way the Dutch do business. In fact any foreign company can establish itself in any EU country, then do business in all the others without all the hassles of dealing with each government separately. Likewise workers can freely move around the EU and find suitable work and live wherever they choose. Of course you must be a national of an EU country to do this! So you now find an influx of Spanish, French, Italians applying for jobs in Holland. Good thing, as their skills are needed!

Perhaps it’s just their infamous thriftiness or a rationing behavior left over from the war days, but the Dutch are not known for their generosity when it comes to food. Those sandwiches I mentioned usually have just a couple of ingredients like thinly sliced cheese and butter, and not much of either. Dutch bars serve the smallest beers in Europe, usually 6 to 8 ounces. Once I took a brief trip into Germany and went to a pub there, ordered a beer and was amazed when a nice half liter was put in front of me (it even had a marking on the glass to show the quantity). I was so astonished I said “Now this is a beer. You never get this in Holland” and everyone in the packed pub just cracked up and agreed!

Then there’s the cookie thing. There’s a legend that the Dutch only offer their guests ONE cookie with their very good strong coffee. Then they take the cookies away. I can confirm this is the case as the Dutch do serve a single cookie with coffee (don’t bother to ask for a second), even in restaurants. Then there’s that coffee. Just like many other European countries, it’s served in espresso cups. You can get it with steamed milk and the cup will be slightly larger. I remember my brother’s frustration at trying to get a cup of regular joe in Amsterdam. Everywhere he went he asked for ‘regular’ coffee. Of course he got espresso! He was dying for a nice big mug of ‘brown water’ with milk. He never got it!

Then there’s the movie theaters. If you’ve ever had to stand on line to buy tickets in Holland you’ve probably wondered why it takes soooo long for the line to move. I was curious too, so I watched what was happening. OK, I noticed your typical questions. And the Dutch theaters sometimes have several different prices for seats depending on the location or type of seat. (sometimes you can get served champagne with your movie!). So there is more to choose from. However, I discovered what was really holding up the line was that every Dutch person was buying their own ticket! Not only is it rare for the Dutch to treat their friends, but they seem reluctant to give others money to buy the tickets. This is the origin of the phrase ‘Dutch Treat’. In addition after each purchase, the Dutch must count their change and the remaining guilders in their purse. And so wait we must!

Despite their tightwad ways, the Dutch are very generous when it comes to donating to charity or worthy causes. But it must be a cause they really believe in.

Crime is an interesting social phenomena in Holland. In a society where few things are considered crimes, there are far fewer criminals. Makes sense, no? And criminals are treated very well in Holland. When someone gets arrested, they release a minimum amount of information. No name or just a partial name is issued to the public. When convicted a person can look forward to a very nice stay in one of Holland’s jails which allows every convenience including a room for sex. It’s truly a humane system and treats people like human beings, not animals.

The Dutch system of crime and punishment, that rarely makes a big deal out of petty crime (like theft), is responsible for a society amazingly free of violence. The Dutch are truly shocked when there is a violent crime or a murder. That’s because there is little reason to commit violent acts. Indeed, often the law itself is to blame in other countries where violence is committed to commit or cover up lesser crimes. The Dutch have discovered the amazing truth that if you don’t make criminals out of people for personal vices, they won’t be compelled to break more serious laws or be violent to keep their vices secret .

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You can go anywhere in Holland, and never be far from a canal. These waterways are as beautiful as they are practical. Holland canals serve a number of very important purposes. First they were used to drain the land so homes and farms could be established where once there was water.

Second they provide a means of transport for goods from inland regions to the sea. Third they are homesteads for thousands who live on houseboats. Houseboats are very trendy and can be seen on most canals in Amsterdam. Some are available for rent, however they have become very expensive due to their popularity.

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Holland is one of the flattest countries on the planet, making it ideal for bicycling. The Dutch have far more bicycles than automobiles. Everywhere you go in Holland you’ll see people getting around by bike. In Holland bikes are given a status accorded few modes of transportation. Bike paths exist next to every major road through the countryside into the center of the big cities. You can explore all of Holland by bike if you choose. For the Dutch it is not just a recreational sport, it is a primary means of transport to work, school, even the market. Bikes typically have either a basket up front, or dual panniers on the rear. These come in handy not just for school books or groceries but are often used for children, animals, plants, you name it!

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