Over the last few days I have noticed a number of blogs and postings in various places about 2010 and the experiences of the writer's of those comments.
When I look back, as I'm sure we all do at this time of year, I tend to reflect on what has happened during the year, what effect the year has had on me and on those members of my family and my friends.
It occurred to me that rather than the lessons learnt; perhaps we should try and compare ourselves today against ourselves one year ago.
• Has anything happened that has fundamentally changed the way we think or act?
• Has our character been modified by any of the events of the closing year?
• Do other people we know see us in a different light perhaps?
• Have people around us had to change to manage our changes (if any)?
My wife Clare, a friend of ours and myself talked about this very subject last night. Clare made a remark about how different I was to the man she married twenty two years ago. We reflected on what I was like and how I had changed. After that period of time it is much easier to see the changes that we go through.
• Then (apparently) I tended to be irrational!
• Then (apparently) I was much grumpier than I am now.
• Then (apparently) I was much more demanding than I am now!
• Then (apparently) I was much (much) more unreasonable than I am now!
Of course, I am only joking (apparently), but later, privately reflecting on the conversation, I guess I have changed a great deal. Those changes are as a result of the process we call maturing. Our sharp edges are worn down by the continual bombardment of life. Our brain slows down and we react less quickly, if indeed at all. We become less grumpy (as there seems little point as no one is listening anymore to our humps and grumps!)
Applying this process over a shorter period such as a year is much more difficult. This is partly because it is so new and that admitting any fault is like admitting that you still have that fault.
However, some years hold events that do make a huge difference. Those events can be nothing to one person yet change the life of another. My experience of a suspected heart attack then being diagnosed with bowel cancer, surviving major surgery, and suffering the horrible side affects of chemotherapy has had an effect on my life this year, leaving a huge scar. A death of a family member recently added to the pain and the complications of a troubled childbirth by one of my daughters just piled it on even more.
But what is more important is the way that my six children, my ten grandchildren, brother, sister, mother, wife, in-laws (some anyway) and friends have supported me (and each other) not just while I was ill, and during this period of recovery, but by the way our attitude as a family unit has changed. It has brought us much closer together; it has made other things seem less important, whilst unimportant things of the past are now more important.
If one year can change us so much, maybe reflecting on each month, week or even day is a worthwhile thing to do.
• Have we upset someone today?
• Did we act in a proper and respectful manner?
• Could we have done something better?
• Did we listen and did we hear?
All these reflections and many others can only result in small lessons being learnt that can be applied each and every day in the future. Maturity is not just about getting older and wiser; it is also about using that knowledge we have gained to better our lives and lives of others.
Whilst 2010 might not have been a great year for me or indeed for you or anyone else, let us at least learn what we can and apply it in 2011 and I trust that this new year will bring many more blessing and even further maturity.
Happy New Year!
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Thursday, December 30, 2010
Tuesday, December 07, 2010
Niche Online Membership Sites … Are They Your Future?
My background in the deep and distance past was in Continuity Marketing. That is where perceived expensive products are sold on a monthly basis. You order the product, say a set of encyclopaedias, and each month you are sent the next volume until eventually you have a complete collection.
I started late in February 1981 when Prince Charles announced his marriage to Lady Diana. What we had was simply this … postage stamps from all around the world that would celebrate this Royal wedding. I worked for a company that produced stamps on behalf of many smaller countries and the chairman of the company saw the huge opportunity that had presented itself. Without hesitation a deal was done with Stanley Gibbons International for a new company to promote Royal Wedding stamps to the world.
Now I don’t remember all the figures but over just a few months we recruited over 60,000 people to join the programme and what’s more everything was sold pro-forma. Yes, paid for in advance!!
If my memory serves we right about 32,000 people took up the programme and continued spending somewhere between £25 and £30 each month for many years until they had a complete collection. I think the basic collection had over 40 units in it.
Remember back in 1981 these were substantial sums of money. Thousands of members also took up other collections of First Day Covers, Stamp Pairs, Non Commonwealth collections etc.
I left the programme after a couple of years and repeated the concept with other thematic postage stamps, collectable toys, books, cd’s and many other products. Businesses like Book Club Associates were big business back in the 80’s and 90’s although they changed their way of operating later as it became more difficult to get customers to commit to buying complete sets of books. I was very privileged to be mentored by the founder of Book Club Associates.
What is powerful about the concept is this. Imagine - 32,000 people are invoiced for £29, a total of around £928,000 each month. We knew that 95% plus would take up the offer and at the time of invoice we had not even purchased the product. The money would flow in and be banked. The product would be ordered and delivered and paid for after 30 or 60 days. This made large additional revenues from simple over night investments of bank funds.
The success of the project was mainly down to the celebrities involved. The future King of England is perceived as a worthwhile investment. Lady Diana even more so! Now we have another Royal wedding, also a future King of England, but this time the interest will be different. The market has changed, people view it differently and although a market does exist, it will be much smaller this time.
But why this story?
Well this programme and all the others I was involved with are nothing more than simple membership type programmes. You effectively take out a membership, pay each month and in return for your payment receive a product or service. Most of these types of continuity programs are based around physical products such as stamps, toys, collectables, books, records etc, but that has now started to change. Information has become a major collectable product. By information, I mean organised and correctly presented information that is valued and can add value to the person who owns it.
A couple of years ago I worked with Rob Winnett (another BlackStar) in developing the concept of a Continuity Marketing Centre. This was a complete service which would enable people to sell their information products via books, CD, DVD and video on an ongoing cyclic basis. It had the hallmarks of success but faced major development costs to launch especially as the downturn had started. As a result the idea was shelved and that turned out to be a good thing as time has marched on and now we have much better ways of delivering content in the form of online membership sites.
I rekindled my interest in this area late last year and started to look at the potential considering the availability of facilities such as YouTube (for video), iTunes (music and podcast downloads), blogging software and the ever increasing number of social networking sites providing a quality route to market. Software for membership sites now exist and some of it is top quality and can be leased at reasonable cost.
So what can be achieved today?
Well let’s say that we could find a profitable niche that would benefit from a quality membership site. Let’s say that we want to keep it very special so we set a monthly membership fee of £49.95. We would like to recruit a maximum of just 500 members and will run the site using a product such as MemberGate which provides all the main facilities we need. Members will be encouraged to recruit other members and will receive a monthly affiliate payment for each person recruited equivalent to 50% of the monthly fee.
Once the membership level is achieved any further applications will be put on the waiting list. Members not paying will be replaced by waiting members. Experience has shown that a site of this type and size would probably need one or possible two full time customer service people to manage the day to day working.
With 500 quality members participating in the site, creating content and helping each other, we would be providing real value to those members. Once the membership is fully recruited this site would generate around £8,000 per month (£96,000 pa) after all costs. The owner would use some of that income to add further value to the site, arrange events, promote other products and services etc. The potential is huge. Once you know how to do it with one site, why not have two or ten or even twenty?
The secret of course is simply this:-
You must provide real value! Just another networking site won’t work anymore. You have to ensure that the members are using the site and receiving real benefit. Chris Farrell on his membership site offers free hosting to each of his members for as many sites as they wish. This is real value and encourages them to stay as members.
I know a gentleman who runs a private member club offline which has over 22,000 member’s world wide, each who pay him $120 per year (plus postage) to receive his TEN newsletters that he sends out. They contain real value in the content which is only available to those members. Now I accept that he is rather unique but it shows that if you provide real value then there is always a real market.
A close friend of my family has a private online club which has a tiny membership of just 200 people, the maximum he will permit. Each member pays a simple monthly fee of £49 to be a unique member of that site. If they fail to pay, they leave and the next waiting person gets the membership. My friend makes over £4,500 per month after all costs, doing something that he loves. He told me that there are over 500 people on the waiting list.
Finally it is worth saying that you could plan to have a membership club with 20,000 members each paying £10 per month. The issue here is that the more people you have, the more difficult it is to provide real value and justify a high monthly fee. It would be better to have ten clubs of 1,000 members and charge £20 each or even have 25 clubs and charge £49, £77 or even more each month. Never judge the market!
Over the next few months I will be developing this whole area of Online Membership Clubs and will be blogging about the idea again. In the meanwhile you can have a look at a great example of the idea at the website of my friend Chris Farrell. He provides a host of free stuff and interacts with members via video as often as possible. His objective is to get people to join his site as a paid member (which costs just $49 per month), not by keep blasting them with messages but by building a real trusting relationship first. He provides real value and knows that if he fails to do so, then he will lose members and his reputation would be tarnished. His super hook is the free hosting, that encourages members to remain as a paid member. This works really well because the membership effectively become free after you are hosting a handful of websites, and the contribution of the membership is of real value to you.
You can visit the site through this link:-
Chris Farrell Membership Site
If I can assist you in anyway in relationship to Online Membership Clubs then please let me know. Please look out for future blogs on the subject. I will be creating a newsletter list shortly and will invite you to join so that you are kept right up to date.
Regards
Jim
I started late in February 1981 when Prince Charles announced his marriage to Lady Diana. What we had was simply this … postage stamps from all around the world that would celebrate this Royal wedding. I worked for a company that produced stamps on behalf of many smaller countries and the chairman of the company saw the huge opportunity that had presented itself. Without hesitation a deal was done with Stanley Gibbons International for a new company to promote Royal Wedding stamps to the world.
Now I don’t remember all the figures but over just a few months we recruited over 60,000 people to join the programme and what’s more everything was sold pro-forma. Yes, paid for in advance!!
If my memory serves we right about 32,000 people took up the programme and continued spending somewhere between £25 and £30 each month for many years until they had a complete collection. I think the basic collection had over 40 units in it.
Remember back in 1981 these were substantial sums of money. Thousands of members also took up other collections of First Day Covers, Stamp Pairs, Non Commonwealth collections etc.
I left the programme after a couple of years and repeated the concept with other thematic postage stamps, collectable toys, books, cd’s and many other products. Businesses like Book Club Associates were big business back in the 80’s and 90’s although they changed their way of operating later as it became more difficult to get customers to commit to buying complete sets of books. I was very privileged to be mentored by the founder of Book Club Associates.
What is powerful about the concept is this. Imagine - 32,000 people are invoiced for £29, a total of around £928,000 each month. We knew that 95% plus would take up the offer and at the time of invoice we had not even purchased the product. The money would flow in and be banked. The product would be ordered and delivered and paid for after 30 or 60 days. This made large additional revenues from simple over night investments of bank funds.
The success of the project was mainly down to the celebrities involved. The future King of England is perceived as a worthwhile investment. Lady Diana even more so! Now we have another Royal wedding, also a future King of England, but this time the interest will be different. The market has changed, people view it differently and although a market does exist, it will be much smaller this time.
But why this story?
Well this programme and all the others I was involved with are nothing more than simple membership type programmes. You effectively take out a membership, pay each month and in return for your payment receive a product or service. Most of these types of continuity programs are based around physical products such as stamps, toys, collectables, books, records etc, but that has now started to change. Information has become a major collectable product. By information, I mean organised and correctly presented information that is valued and can add value to the person who owns it.
A couple of years ago I worked with Rob Winnett (another BlackStar) in developing the concept of a Continuity Marketing Centre. This was a complete service which would enable people to sell their information products via books, CD, DVD and video on an ongoing cyclic basis. It had the hallmarks of success but faced major development costs to launch especially as the downturn had started. As a result the idea was shelved and that turned out to be a good thing as time has marched on and now we have much better ways of delivering content in the form of online membership sites.
I rekindled my interest in this area late last year and started to look at the potential considering the availability of facilities such as YouTube (for video), iTunes (music and podcast downloads), blogging software and the ever increasing number of social networking sites providing a quality route to market. Software for membership sites now exist and some of it is top quality and can be leased at reasonable cost.
So what can be achieved today?
Well let’s say that we could find a profitable niche that would benefit from a quality membership site. Let’s say that we want to keep it very special so we set a monthly membership fee of £49.95. We would like to recruit a maximum of just 500 members and will run the site using a product such as MemberGate which provides all the main facilities we need. Members will be encouraged to recruit other members and will receive a monthly affiliate payment for each person recruited equivalent to 50% of the monthly fee.
Once the membership level is achieved any further applications will be put on the waiting list. Members not paying will be replaced by waiting members. Experience has shown that a site of this type and size would probably need one or possible two full time customer service people to manage the day to day working.
With 500 quality members participating in the site, creating content and helping each other, we would be providing real value to those members. Once the membership is fully recruited this site would generate around £8,000 per month (£96,000 pa) after all costs. The owner would use some of that income to add further value to the site, arrange events, promote other products and services etc. The potential is huge. Once you know how to do it with one site, why not have two or ten or even twenty?
The secret of course is simply this:-
You must provide real value! Just another networking site won’t work anymore. You have to ensure that the members are using the site and receiving real benefit. Chris Farrell on his membership site offers free hosting to each of his members for as many sites as they wish. This is real value and encourages them to stay as members.
I know a gentleman who runs a private member club offline which has over 22,000 member’s world wide, each who pay him $120 per year (plus postage) to receive his TEN newsletters that he sends out. They contain real value in the content which is only available to those members. Now I accept that he is rather unique but it shows that if you provide real value then there is always a real market.
A close friend of my family has a private online club which has a tiny membership of just 200 people, the maximum he will permit. Each member pays a simple monthly fee of £49 to be a unique member of that site. If they fail to pay, they leave and the next waiting person gets the membership. My friend makes over £4,500 per month after all costs, doing something that he loves. He told me that there are over 500 people on the waiting list.
Finally it is worth saying that you could plan to have a membership club with 20,000 members each paying £10 per month. The issue here is that the more people you have, the more difficult it is to provide real value and justify a high monthly fee. It would be better to have ten clubs of 1,000 members and charge £20 each or even have 25 clubs and charge £49, £77 or even more each month. Never judge the market!
Over the next few months I will be developing this whole area of Online Membership Clubs and will be blogging about the idea again. In the meanwhile you can have a look at a great example of the idea at the website of my friend Chris Farrell. He provides a host of free stuff and interacts with members via video as often as possible. His objective is to get people to join his site as a paid member (which costs just $49 per month), not by keep blasting them with messages but by building a real trusting relationship first. He provides real value and knows that if he fails to do so, then he will lose members and his reputation would be tarnished. His super hook is the free hosting, that encourages members to remain as a paid member. This works really well because the membership effectively become free after you are hosting a handful of websites, and the contribution of the membership is of real value to you.
You can visit the site through this link:-
Chris Farrell Membership Site
If I can assist you in anyway in relationship to Online Membership Clubs then please let me know. Please look out for future blogs on the subject. I will be creating a newsletter list shortly and will invite you to join so that you are kept right up to date.
Regards
Jim
Would a Scrap with Death Make You Think?
As most of you already know I was diagnosed with bowel cancer earlier this year. What is interesting is that my condition and the resulting operation left me with six months of chemotherapy and also a pain condition that is most telling.
Reflecting back on the last few months made me realise that I had been seriously ill and although I never considered it life threatening at the time, it was. I could have died during the operation, from the subsequent treatment or from the chemotherapy. Indeed the ongoing pain issue was so horrible that perhaps I might have considered other ways to die!
But on reflection I never considered any of the events as a possible threat to my existence. It never occurred to me that I might die on the operating table, likewise that the chemo could also bring my life to an abrupt end.
Why not?
Well I believe that we are so wrapped up in our own person that we do not allow those negativities to enter the picture. We inherently believe that we are, as a person, indestructible. We know that things happen to others, but never consider that they might happen to us. We take risks in our everyday lives that if we reflect back on, perhaps should question as to if they were a sensible course to take. How we see ourselves when subjected to such a catastrophic issue as death is wildly different from what we would perhaps have expected prior to such an event.
Does it change how I feel?
Most definitely it does. I suddenly realised that my six children and their partners, the ten grandchildren, the parents, siblings and of course the thousands of friends that I have, all mean something different than before I became a human liability.
How do I progress from here?
Should I take them all under my wing and make good the lack of attention I have failed to give them in the past?
What do I need to do now?
(1 hour later)
Well I have considered the situation and reflected back on all the events of the past few months, and as a result have decided the following two things:-
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- I really appreciate every one of my family and friends and all the concern they have shown, and time they have put in the make me feel better … THANK YOU I shall never forget it!
- I always was a GOM (Grumpy Old Man) and that is, I reckon, why they like me … so why change now!
Finally, back on a serious note … I mean it!
Friday, November 05, 2010
Finding Information via a Search Engine is EASY?
I don’t know about you but I get more and more frustrated each time I use Google or one of the other search engines to search for information on a specific subject. I type in a specific keyword and a large number of pages are returned that are totally irrelevant or only slightly relevant to what I want.
The search engine providers spend a huge amount of time and resources to try and ensure that pages returned are relevant to the keywords used. This process has improved a great deal over the last few years but still it is far from perfect.
The problem that search engine providers face would simply disappear if the keywords on every page correctly and accurately reflected the content! Of course that is almost impossible to achieve unless each page is physically checked against the keywords by someone who understands the content.
Two years ago I decided to start out on a new mission to see if it was possible to resolve this problem in some way. After six months of research I suddenly had one of those ‘light bulb’ moments when I realised that I was approaching the problem from the wrong angle.
I was assuming that the existing concepts of search engines - that a user enters a search term and the engine uses that search term to return appropriate pages would have to remain the central pivot – was the only approach.
I had forgotten the very things I identified earlier – that the problem would go away if the keywords always reflected accurately, the content of the page. In addition keywords that were not relevant would not be allowed.
Of course everyone reading this will probably say “Well that is common sense” and read on without really considering the meaning of the actual statement.
I asked myself:-
What would happen if all the keywords accurately reflected the content of every page being searched?
Would it be possible to achieve such an objective, and if so, could it be done at a cost that was bearable?
After consideration I decided that it would not be possible to achieve that objective with the existing pages as Google alone processing over one trillion pages of information. Of course as time moves forward it will become two, three, five and even ten trillion making the problem even harder to resolve.
It there an alternative answer?
Well I believe there is. We may not be able to resolve the existing problem easily or in the short term (if at all) but we can introduce new technology that almost guarantees that keywords always reflect the content, and quality content at that … and better still we can do that at no or little additional cost.
I have a good plan, but don’t have the money to fund it. I’d be happy to give away the lion’s share of the business opportunity to anyone who sees the potential and can successfully develop the software needed to achieve the results or to any individual or business that would like to fund it.
Call Me …. but only if you are interested!
+++
The search engine providers spend a huge amount of time and resources to try and ensure that pages returned are relevant to the keywords used. This process has improved a great deal over the last few years but still it is far from perfect.
The problem that search engine providers face would simply disappear if the keywords on every page correctly and accurately reflected the content! Of course that is almost impossible to achieve unless each page is physically checked against the keywords by someone who understands the content.
Two years ago I decided to start out on a new mission to see if it was possible to resolve this problem in some way. After six months of research I suddenly had one of those ‘light bulb’ moments when I realised that I was approaching the problem from the wrong angle.
I was assuming that the existing concepts of search engines - that a user enters a search term and the engine uses that search term to return appropriate pages would have to remain the central pivot – was the only approach.
I had forgotten the very things I identified earlier – that the problem would go away if the keywords always reflected accurately, the content of the page. In addition keywords that were not relevant would not be allowed.
Of course everyone reading this will probably say “Well that is common sense” and read on without really considering the meaning of the actual statement.
I asked myself:-
What would happen if all the keywords accurately reflected the content of every page being searched?
Would it be possible to achieve such an objective, and if so, could it be done at a cost that was bearable?
After consideration I decided that it would not be possible to achieve that objective with the existing pages as Google alone processing over one trillion pages of information. Of course as time moves forward it will become two, three, five and even ten trillion making the problem even harder to resolve.
It there an alternative answer?
Well I believe there is. We may not be able to resolve the existing problem easily or in the short term (if at all) but we can introduce new technology that almost guarantees that keywords always reflect the content, and quality content at that … and better still we can do that at no or little additional cost.
I have a good plan, but don’t have the money to fund it. I’d be happy to give away the lion’s share of the business opportunity to anyone who sees the potential and can successfully develop the software needed to achieve the results or to any individual or business that would like to fund it.
Call Me …. but only if you are interested!
+++
Friday, August 27, 2010
Affiliate Marketing Comes of Age!
Over the last ten years or so we have seen more and more online businesses that recommend products to people in exchange for a fee, called an affiliate payment. This was a great idea as it enabled vendors to get new customers and only have to pay when that customer purchased a product. Today many websites are signing up affiliates to help them sell more of their products or services online.
Like most things, after a while we became used to the idea that people will recommend others people’s products to us. This affiliate marketing strategy has worked for many people, but as an audience we are starting to get wise to these recommendations. How often do we buy something online and when we get it we are not very happy with the result, or worse still feel that we have been 'conned'? I, for one, have purchased many information products, joined membership sites etc, only to be disappointed in what I received and as a result have become quite a sceptic.
So I decided to spend some time and look at what was being offered and what products or services were worthwhile and to try and get an idea of how this 'affiliate marketing' concept worked. Well, I signed up for a number of products and services and privately reviewed them to identify if they were of real value or not. Unfortunately I was not disappointed as my previous findings seemed to hold out in many cases.
I’ve tried affiliate marketing myself and initially found it hard to make any money at all. Indeed I did not even get back what I had invested. Sure, I have loads of ‘free bonuses’, most of them totally worthless and an insult to anyone with even a minimum understanding of the internet.
I did some further research to see if I could identify which people or companies were offering good quality products and services which were worth there cost. What I discovered was that almost all of these people DID NOT try and sell a product or service, rather they offered lots of free information for the potential purchaser to try out first of all. Some even scrapped the traditional ‘long sales page’ and left it to the visitor to sign up to a newsletter or similar, leaving those people to search for how they could buy the products or services available. These people try and make a great impression and build a relationship with the potential buyer, resulting in a level of confidence and trust … and eventually one or more sales.
What was interesting was that the best affiliate marketers rely totally on the quality of their websites, products and services as the main lever to getting more sales. As I investigated further I suddenly started to realise that there was a lot, lot more to affiliate marketing than just recommending a product and sending people to some landing or squeeze page somewhere. I discovered that there is a whole stack of potential methods and procedures that can be used which result in more people buying your products or services.
I’m currently starting a six month, high level affiliate marketing course which looks at the newest ways of selling products online and how to attract huge numbers of people to my specialist websites. This course is now oversubscribed but I will let you know how I get on and what the outcome is.
In the meanwhile I also discovered a fantastic membership site that is operated by one of the instructors on my course. This site has a wealth of information, free of charge, but also much, much more for those who seriously want to make money online. One of the best parts of this membership site is that it is full of video instruction covering every aspect of selling online. As a fabulous bonus all members get free hosting of an unlimited number of websites. That in itself more than covers the monthly fee. I joined because I wanted to find out what was actually being offered behind the scenes, and I have to say I am not the least bit disappointed – it is much more than I expected and I now know that my online marketing efforts will start to produce real results. Best of all these are real people who you can talk too, ask questions and resolve problems.
This membership site was recommended to me by my friend Jamie Okrat who lives down-under, so if you are interested in finding out more then why not go to his site and you’ll find a display add on the front page for the membership site. Well worth a look and it will cost you nothing except a bit of your time.
The potential for selling online is increasing every day, with more and more businesses depending upon web sales to grow their businesses. Jamie wrote a one hundred page plus eBook a couple of years ago which he sold on line for just $9 (US) and he had 15,543 people purchased and download it. Jamie told me that he made more from that eBook than if he had published it as a proper book.
Hmmm ...perhaps it is time to start thinking about doing something similar! :)
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Like most things, after a while we became used to the idea that people will recommend others people’s products to us. This affiliate marketing strategy has worked for many people, but as an audience we are starting to get wise to these recommendations. How often do we buy something online and when we get it we are not very happy with the result, or worse still feel that we have been 'conned'? I, for one, have purchased many information products, joined membership sites etc, only to be disappointed in what I received and as a result have become quite a sceptic.
So I decided to spend some time and look at what was being offered and what products or services were worthwhile and to try and get an idea of how this 'affiliate marketing' concept worked. Well, I signed up for a number of products and services and privately reviewed them to identify if they were of real value or not. Unfortunately I was not disappointed as my previous findings seemed to hold out in many cases.
I’ve tried affiliate marketing myself and initially found it hard to make any money at all. Indeed I did not even get back what I had invested. Sure, I have loads of ‘free bonuses’, most of them totally worthless and an insult to anyone with even a minimum understanding of the internet.
I did some further research to see if I could identify which people or companies were offering good quality products and services which were worth there cost. What I discovered was that almost all of these people DID NOT try and sell a product or service, rather they offered lots of free information for the potential purchaser to try out first of all. Some even scrapped the traditional ‘long sales page’ and left it to the visitor to sign up to a newsletter or similar, leaving those people to search for how they could buy the products or services available. These people try and make a great impression and build a relationship with the potential buyer, resulting in a level of confidence and trust … and eventually one or more sales.
What was interesting was that the best affiliate marketers rely totally on the quality of their websites, products and services as the main lever to getting more sales. As I investigated further I suddenly started to realise that there was a lot, lot more to affiliate marketing than just recommending a product and sending people to some landing or squeeze page somewhere. I discovered that there is a whole stack of potential methods and procedures that can be used which result in more people buying your products or services.
I’m currently starting a six month, high level affiliate marketing course which looks at the newest ways of selling products online and how to attract huge numbers of people to my specialist websites. This course is now oversubscribed but I will let you know how I get on and what the outcome is.
In the meanwhile I also discovered a fantastic membership site that is operated by one of the instructors on my course. This site has a wealth of information, free of charge, but also much, much more for those who seriously want to make money online. One of the best parts of this membership site is that it is full of video instruction covering every aspect of selling online. As a fabulous bonus all members get free hosting of an unlimited number of websites. That in itself more than covers the monthly fee. I joined because I wanted to find out what was actually being offered behind the scenes, and I have to say I am not the least bit disappointed – it is much more than I expected and I now know that my online marketing efforts will start to produce real results. Best of all these are real people who you can talk too, ask questions and resolve problems.
This membership site was recommended to me by my friend Jamie Okrat who lives down-under, so if you are interested in finding out more then why not go to his site and you’ll find a display add on the front page for the membership site. Well worth a look and it will cost you nothing except a bit of your time.
The potential for selling online is increasing every day, with more and more businesses depending upon web sales to grow their businesses. Jamie wrote a one hundred page plus eBook a couple of years ago which he sold on line for just $9 (US) and he had 15,543 people purchased and download it. Jamie told me that he made more from that eBook than if he had published it as a proper book.
Hmmm ...perhaps it is time to start thinking about doing something similar! :)
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Tuesday, August 03, 2010
Do Small Businesses Require More Help?
In this time of economic problems many small businesses appear to be suffering badly and some have as a result failed, leaving the owners financially bankrupt. I experienced this a couple of years ago and it has taken until now for me to recover and to start considering where to go from here.
One of the issues was that I did not have the expertise to identify the problems that I was facing nor have the skills or ability to deal with them. When times are hard, those who are not as business savvy as perhaps they should be, are almost certainly the first to suffer as a consequence.
It is often quite easy when looking back on the events to identify what the reasons were that caused things to go wrong; however at the time they remained hidden. Many small businesses in this situation often find themselves up against a financial wall, where they need cash to resolve their problems but are unable to get it and suffer as a result.
Over the years the government and other bodies have formed local business support groups which are intended to help out those that face difficulties and need the advice that is available. Many of these organisations however, focus on the larger small business, those employing ten people or more and ignore or do not have time to assist the many one man outfits that are normally the first to be hit hardest.
I tried Business Link, the Chamber of Commerce and some other organisations but got little in the way of help without spending cash I did not have. Now over two years later I realise that my problems were caused because I allowed my business to deteriorate slowly in the year or so before the failure occurred. I failed to ensure that my business was strong and robust and could weather bad conditions if and when they occurred.
Today operating a small business is very hard especially when economic pressures are being applied. I identified some years ago a concept called Mentor Power, which called upon groups of local small business people to create formal relationships together to assist each other in strengthening their businesses and enabling them to grow in size, turnover and profit. The obvious advantage was that the knowledge, skills and experiences of say ten business owners working together would provide a much stronger management input for all the businesses involved.
When we consider this, we realise that it is far too easy to remain detached from what others are doing and to isolate ourselves to such an extent that eventually we find that we are facing problems that are almost impossible to resolve or live through.
As a result of my experiences I am now looking at Mentor Power again to see if it is a viable business model and if it will provide the support and encouragement that small business owners need in the current and future economic environment. As part of this process I have been looking at other organisations that provide help to small businesses and although generally disappointed I am encouraged by the appearance of a new organisation called The National Alliance of Business Owners which started earlier this year and has grown substantially since. One of the great things about it is that they provide a monthly printed newsletter called Business Success which is mailed to every member. This magazine is full of great ideas and is extremely well presented and worth reading. In addition every member gets to attend a free seminar called ‘How to explode Your Business Profits’ which is held in various locations around the country.
Perhaps the greatest advantage is that membership is currently free to anyone who wishes to join.
Finally it only remains for me to sum up what I’ve already said in a single sentence:-
“If you are a small business then do whatever it takes to grow it so that in the event of economic downturn you survive!”
Regards
Jim
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One of the issues was that I did not have the expertise to identify the problems that I was facing nor have the skills or ability to deal with them. When times are hard, those who are not as business savvy as perhaps they should be, are almost certainly the first to suffer as a consequence.
It is often quite easy when looking back on the events to identify what the reasons were that caused things to go wrong; however at the time they remained hidden. Many small businesses in this situation often find themselves up against a financial wall, where they need cash to resolve their problems but are unable to get it and suffer as a result.
Over the years the government and other bodies have formed local business support groups which are intended to help out those that face difficulties and need the advice that is available. Many of these organisations however, focus on the larger small business, those employing ten people or more and ignore or do not have time to assist the many one man outfits that are normally the first to be hit hardest.
I tried Business Link, the Chamber of Commerce and some other organisations but got little in the way of help without spending cash I did not have. Now over two years later I realise that my problems were caused because I allowed my business to deteriorate slowly in the year or so before the failure occurred. I failed to ensure that my business was strong and robust and could weather bad conditions if and when they occurred.
Today operating a small business is very hard especially when economic pressures are being applied. I identified some years ago a concept called Mentor Power, which called upon groups of local small business people to create formal relationships together to assist each other in strengthening their businesses and enabling them to grow in size, turnover and profit. The obvious advantage was that the knowledge, skills and experiences of say ten business owners working together would provide a much stronger management input for all the businesses involved.
When we consider this, we realise that it is far too easy to remain detached from what others are doing and to isolate ourselves to such an extent that eventually we find that we are facing problems that are almost impossible to resolve or live through.
As a result of my experiences I am now looking at Mentor Power again to see if it is a viable business model and if it will provide the support and encouragement that small business owners need in the current and future economic environment. As part of this process I have been looking at other organisations that provide help to small businesses and although generally disappointed I am encouraged by the appearance of a new organisation called The National Alliance of Business Owners which started earlier this year and has grown substantially since. One of the great things about it is that they provide a monthly printed newsletter called Business Success which is mailed to every member. This magazine is full of great ideas and is extremely well presented and worth reading. In addition every member gets to attend a free seminar called ‘How to explode Your Business Profits’ which is held in various locations around the country.
Perhaps the greatest advantage is that membership is currently free to anyone who wishes to join.
Finally it only remains for me to sum up what I’ve already said in a single sentence:-
“If you are a small business then do whatever it takes to grow it so that in the event of economic downturn you survive!”
Regards
Jim
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Monday, July 05, 2010
Disabled, To Be or Not to Be!
A few days ago we had need to go to our local supermarket so that my wife could pick up some essential supplies for our evening meal. It had been a long hot day and I was tired and not really in the mood for fighting my way through the hordes of shoppers so I elected to remain in the car while my wife did the shopping.
By chance I had parked facing the bay full of disabled parking spaces. I would have to wait for about twenty minutes or so for my wife to return. After a minute or so a car pulled into one of the disabled bays and a young woman jumped out and ran into the store. She did not appear to be disabled in anyway but to be fair she did have a disabled sticker in her car window.
This woman started me thinking about the whole issue of disability and the fact that it seems that today, normal white people are probably discriminated against more than any other group. Now I’m not having a go at disabled or coloured people in any way, I know people in both groups and have the greatest respect for them.
After about five minutes the young woman re-appeared, still running, carrying a packet of cigarettes. She jumped into her car, put in reverse and drove away. Not very disabled I thought! Of course it is not my job to judge other is it?
Then to my surprise, another car pulled into the same bay. After a few moments another more elderly woman got out, locked the car and walked briskly into the supermarket. This made me focus more on what was happening in the disabled parking bay.
I got out of my car and walked over to a bench beside the bay where I could watch what was going on more closely. All the vehicles seemed to be displaying disability badges. Within a few minutes a gentleman, about 50’ish, pushed his trolley up to the back of a large BMW 4x4, and proceeded to load his shopping into the back. He left the trolled beside his car, got in and drove away.
“Well” I though, “he could have put the trolley back.” He did not seem to be disabled in any way either!
The time was moving on and I was expecting my wife to reappear. Another woman returned to her car, loaded it and got in and drove away. She did not look disabled either. I could not believe what I was seeing. The only movements in the disabled parking bay appeared to have perfectly healthy drivers.
After nearly thirty minutes had passed a rather old van appeared and drove slowly into one of the empty spaces. It was sporting a disabled badge just like the others. An old man struggled to get out of the driving seat and was having trouble standing up. I could not help myself - I quickly jumped up and walked the few feet to assist him. At last, someone who was genuinely disabled I thought.
He thanked me, but then added that it was not him who was disabled, but his wife in the wheelchair in the back of the van. He would not allow me to help him extract her via a hydraulic lift to the ground saying “When I can’t unload her, I’ll have to stop driving”. He then added “If it was just me I’d have parked in a normal space!” and chuckled.
We all laughed!
My wife then returned and as we drove away I wondered how many non disabled people who had disability badges for other members of their family always parked in a disabled bay when no disabled person was aboard! It is just not right!
“Jim!” my wife said, bringing me back to the moment, “You are naughty … fancy parking in a families only bay, next you’ll be parking in the disabled bay!”
Hmmm … Who am I to talk?
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By chance I had parked facing the bay full of disabled parking spaces. I would have to wait for about twenty minutes or so for my wife to return. After a minute or so a car pulled into one of the disabled bays and a young woman jumped out and ran into the store. She did not appear to be disabled in anyway but to be fair she did have a disabled sticker in her car window.
This woman started me thinking about the whole issue of disability and the fact that it seems that today, normal white people are probably discriminated against more than any other group. Now I’m not having a go at disabled or coloured people in any way, I know people in both groups and have the greatest respect for them.
After about five minutes the young woman re-appeared, still running, carrying a packet of cigarettes. She jumped into her car, put in reverse and drove away. Not very disabled I thought! Of course it is not my job to judge other is it?
Then to my surprise, another car pulled into the same bay. After a few moments another more elderly woman got out, locked the car and walked briskly into the supermarket. This made me focus more on what was happening in the disabled parking bay.
I got out of my car and walked over to a bench beside the bay where I could watch what was going on more closely. All the vehicles seemed to be displaying disability badges. Within a few minutes a gentleman, about 50’ish, pushed his trolley up to the back of a large BMW 4x4, and proceeded to load his shopping into the back. He left the trolled beside his car, got in and drove away.
“Well” I though, “he could have put the trolley back.” He did not seem to be disabled in any way either!
The time was moving on and I was expecting my wife to reappear. Another woman returned to her car, loaded it and got in and drove away. She did not look disabled either. I could not believe what I was seeing. The only movements in the disabled parking bay appeared to have perfectly healthy drivers.
After nearly thirty minutes had passed a rather old van appeared and drove slowly into one of the empty spaces. It was sporting a disabled badge just like the others. An old man struggled to get out of the driving seat and was having trouble standing up. I could not help myself - I quickly jumped up and walked the few feet to assist him. At last, someone who was genuinely disabled I thought.
He thanked me, but then added that it was not him who was disabled, but his wife in the wheelchair in the back of the van. He would not allow me to help him extract her via a hydraulic lift to the ground saying “When I can’t unload her, I’ll have to stop driving”. He then added “If it was just me I’d have parked in a normal space!” and chuckled.
We all laughed!
My wife then returned and as we drove away I wondered how many non disabled people who had disability badges for other members of their family always parked in a disabled bay when no disabled person was aboard! It is just not right!
“Jim!” my wife said, bringing me back to the moment, “You are naughty … fancy parking in a families only bay, next you’ll be parking in the disabled bay!”
Hmmm … Who am I to talk?
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Friday, July 02, 2010
Should Everyone Be Entitled to Benefits?
In the UK we are faced with a huge deficit which mounts to thousands of pounds for every man, woman and child in the country. Irrespective of how we got to this situation and irrespective of who might be to blame, we are all obligated to do our bit to help reduce that sum.
Now some people can afford to contribute more than others, while others really cannot afford to contribute anything. The new government says that we must get rid of waste and cut back on all services which are not essential. Whatever the arguments are and whoever puts them forward, many will not want to contribute and will continue to do the opposite and milk the system.
Why should people who have family income exceeding say £40,000 per annum receive Child Benefit or Family Tax credits, while there are many pensioners who live on less than £150 per week and get nothing!
I don’t wish to go into the rights and wrongs of this but instead I want to pick up on a point that the Chancellor made during his recent emergency budget speech.
He spoke about the issue of Child Benefit and whether it was right that all should receive it irrespective of their financial position. He said that restricting who received child benefit would result in a huge cost to setup and administer and therefore was not viable. Interestingly we still pay the huge operational costs of the administration of over 100 other benefits. Thousands of people get benefits that they are not really entitled to and thousands do not receive benefits they should get.
Is it not about time that we changed all this?
How about this for an idea?
Create a completely new benefit system to replace the existing worn out system. It would be simplified and centralised and would control and distributes all benefits to all people. Each person who wishes to participate would go online (or be assisted by a local benefit office) and complete a detailed benefit registration. Any medical report would be provided by the doctor, again online and a complete record built up of the applicant’s situation. Housing benefit would be paid depending upon how many children you have and where you live and subjected to a maximum amount per week. All other benefits could be taken into consideration.
Once this had been done, the applicant would be informed about the level of benefit they are entitled to, if any. The amount due would credited to their bank account each week or month. More importantly each claimant would receive a plastic card with their photo and basic details on. This card would have a star rating of 1 to 3 stars and depending upon the rating would indicate what additional benefits they could get. For example if they have three stars they get free travel on public transport at any time and they might get prescription charges paid in full. If they have a two star card, then they get these things at 50% discount, or a one star at 25% discount.
The advantage of such a scheme is that there is better control; individuals get what they are entitled to without having to make dozens of different claims and fill out dozens of different forms, many with the same information. Tax and earnings information should be reported weekly or monthly instead of annually and the details kept against the person records.
Yes you might think this is complex, but look at the current DVLC vehicle licensing system, you can do it all online and they already know if you have a valid driving license, motor insurance and MOT certificate if required.
I always thought that the ID card system was a great idea, after all - anyone who does not have anything to hide should have no objection to such a system. We live in a complex world and whether we like it or not there has to be some controls. People who argue that it is not right that our personal details be recorded are actually living in cloud cuckoo land.
Our information is recorded everywhere!
Why not have a system where the information is kept centrally and the relevant information is made available only to those who are licensed to see it. Even things like our fingerprints, DNA and photographs should be recorded for every person in the country. It would help reduce crime dramatically!
Yes I know that people would abuse the system, avoid being on the database and try and forge information, but this already happens in a huge way with all the various database and systems currently being used.
What do you think?
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Now some people can afford to contribute more than others, while others really cannot afford to contribute anything. The new government says that we must get rid of waste and cut back on all services which are not essential. Whatever the arguments are and whoever puts them forward, many will not want to contribute and will continue to do the opposite and milk the system.
Why should people who have family income exceeding say £40,000 per annum receive Child Benefit or Family Tax credits, while there are many pensioners who live on less than £150 per week and get nothing!
I don’t wish to go into the rights and wrongs of this but instead I want to pick up on a point that the Chancellor made during his recent emergency budget speech.
He spoke about the issue of Child Benefit and whether it was right that all should receive it irrespective of their financial position. He said that restricting who received child benefit would result in a huge cost to setup and administer and therefore was not viable. Interestingly we still pay the huge operational costs of the administration of over 100 other benefits. Thousands of people get benefits that they are not really entitled to and thousands do not receive benefits they should get.
Is it not about time that we changed all this?
How about this for an idea?
Create a completely new benefit system to replace the existing worn out system. It would be simplified and centralised and would control and distributes all benefits to all people. Each person who wishes to participate would go online (or be assisted by a local benefit office) and complete a detailed benefit registration. Any medical report would be provided by the doctor, again online and a complete record built up of the applicant’s situation. Housing benefit would be paid depending upon how many children you have and where you live and subjected to a maximum amount per week. All other benefits could be taken into consideration.
Once this had been done, the applicant would be informed about the level of benefit they are entitled to, if any. The amount due would credited to their bank account each week or month. More importantly each claimant would receive a plastic card with their photo and basic details on. This card would have a star rating of 1 to 3 stars and depending upon the rating would indicate what additional benefits they could get. For example if they have three stars they get free travel on public transport at any time and they might get prescription charges paid in full. If they have a two star card, then they get these things at 50% discount, or a one star at 25% discount.
The advantage of such a scheme is that there is better control; individuals get what they are entitled to without having to make dozens of different claims and fill out dozens of different forms, many with the same information. Tax and earnings information should be reported weekly or monthly instead of annually and the details kept against the person records.
Yes you might think this is complex, but look at the current DVLC vehicle licensing system, you can do it all online and they already know if you have a valid driving license, motor insurance and MOT certificate if required.
I always thought that the ID card system was a great idea, after all - anyone who does not have anything to hide should have no objection to such a system. We live in a complex world and whether we like it or not there has to be some controls. People who argue that it is not right that our personal details be recorded are actually living in cloud cuckoo land.
Our information is recorded everywhere!
Why not have a system where the information is kept centrally and the relevant information is made available only to those who are licensed to see it. Even things like our fingerprints, DNA and photographs should be recorded for every person in the country. It would help reduce crime dramatically!
Yes I know that people would abuse the system, avoid being on the database and try and forge information, but this already happens in a huge way with all the various database and systems currently being used.
What do you think?
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Wednesday, June 30, 2010
Should We Freely Pay Benefits?
The new coalition government is concerned about all those people who receive benefits of various kinds every week when perhaps they are not really entitled to them.
We all know that sometimes things happen in our lives which results in our needing help to manage financially. Perhaps that is because we have lost our job and can no longer afford to support our family. Perhaps it is because we have become ill and unable to work until we are better. Maybe we are disabled and unable to work at all. There are lots of reasons and most of them are legitimate and the vast majority of claimants satisfy the rules to obtain the help they need.
However, there is apparently a group of people who have not worked for years and do nothing to find employment and as a result are a financial drain on society. I don’t wish to make judgements against anyone but I wonder if it is time that we become a little firmer on those who abuse the system and do not really try to find employment.
We have well over a million people legitimately receiving job seekers allowance. To receive that benefit each one has to be making an effort to find employment, and each fortnight they are required to show some evidence of their efforts if they wish to receive their jobseekers allowance.
I have to stress here that I am well aware of the issues about how difficult it is to get a job at the moment so I am not criticising anyone who is getting benefits.
Is it not about time that everyone who is unemployed, for whatever reason, should be required to contribute back in some small way.
For example, where I live there are miles of back alleys, strewn with rubbish, over grown with brambles and weeds and as a result a hazard to people who use them. Having spoken to the local council about this problem they told me that it was not their responsibility but that of the home owners on the estate. It appears that although these alleys are public rights of way, they are not the responsibility of the council to keep them safe and clear of rubbish.
A further issue is that on many of our estates and residential areas the level of graffiti seems to be on the increase again. This is an eyesore, devaluing the properties in the area, destroying community pride and needs addressing. Again local authorities do their best but because of limited funding there is only so much they can do.
Councils try and keep roads swept and grass areas cut but the quality of the finished work is never very good. My road is swept probably twice a year, I try and pick up litter off of the grassed areas but it soon reappears. The council would need an army of people to maintain these areas properly.
Pot holes are another issue! Condition of pavements yet another, and I could go on and on. There are probably hundreds of other areas and issues which do not get any real attention because funding is not available that could benefit from some help.
The point I am getting too is this.
Why not introduce regulations which requires all people claiming benefit, and who are able, to carry out (say) six hours of voluntary work for the local council on some of the issues described above. I’m sure that those who genuinely are unemployed would welcome the chance to contribute something back to society, to feel part of the community and enjoy the opportunity to work. Doing these tasks would improve our environment as they are not being done at the moment, and without anyone’s job being put at risk.
This may be extended to doing some voluntary work for local charities, play groups, schools or even commercial enterprises - as long as it does not take jobs away from others. A bonus might be that individuals are spotted as being good at what they are doing and might be a useful addition to the permanent workforce.
What do you think?
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We all know that sometimes things happen in our lives which results in our needing help to manage financially. Perhaps that is because we have lost our job and can no longer afford to support our family. Perhaps it is because we have become ill and unable to work until we are better. Maybe we are disabled and unable to work at all. There are lots of reasons and most of them are legitimate and the vast majority of claimants satisfy the rules to obtain the help they need.
However, there is apparently a group of people who have not worked for years and do nothing to find employment and as a result are a financial drain on society. I don’t wish to make judgements against anyone but I wonder if it is time that we become a little firmer on those who abuse the system and do not really try to find employment.
We have well over a million people legitimately receiving job seekers allowance. To receive that benefit each one has to be making an effort to find employment, and each fortnight they are required to show some evidence of their efforts if they wish to receive their jobseekers allowance.
I have to stress here that I am well aware of the issues about how difficult it is to get a job at the moment so I am not criticising anyone who is getting benefits.
Is it not about time that everyone who is unemployed, for whatever reason, should be required to contribute back in some small way.
For example, where I live there are miles of back alleys, strewn with rubbish, over grown with brambles and weeds and as a result a hazard to people who use them. Having spoken to the local council about this problem they told me that it was not their responsibility but that of the home owners on the estate. It appears that although these alleys are public rights of way, they are not the responsibility of the council to keep them safe and clear of rubbish.
A further issue is that on many of our estates and residential areas the level of graffiti seems to be on the increase again. This is an eyesore, devaluing the properties in the area, destroying community pride and needs addressing. Again local authorities do their best but because of limited funding there is only so much they can do.
Councils try and keep roads swept and grass areas cut but the quality of the finished work is never very good. My road is swept probably twice a year, I try and pick up litter off of the grassed areas but it soon reappears. The council would need an army of people to maintain these areas properly.
Pot holes are another issue! Condition of pavements yet another, and I could go on and on. There are probably hundreds of other areas and issues which do not get any real attention because funding is not available that could benefit from some help.
The point I am getting too is this.
Why not introduce regulations which requires all people claiming benefit, and who are able, to carry out (say) six hours of voluntary work for the local council on some of the issues described above. I’m sure that those who genuinely are unemployed would welcome the chance to contribute something back to society, to feel part of the community and enjoy the opportunity to work. Doing these tasks would improve our environment as they are not being done at the moment, and without anyone’s job being put at risk.
This may be extended to doing some voluntary work for local charities, play groups, schools or even commercial enterprises - as long as it does not take jobs away from others. A bonus might be that individuals are spotted as being good at what they are doing and might be a useful addition to the permanent workforce.
What do you think?
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Monday, June 28, 2010
The War in Afghanistan – Is it Right?
Another four British soldiers have died as a result of our presence in Afghanistan, a total of 18 this month so far making a total since 2001 of 307. Once again this begs the question about the validity of us being involved in this so called terrorist war.
The argument proffered that we need to be there to eradicate the terrorists who are responsible for attacks against our people here in the UK is not as strong as it sounds.
The major reason why these groups of people are a threat to us - is that we are a threat to them!
Do they attack us because we threaten them?
If we pulled out and avoided any further conflict with these people - instead offering to meet and discuss with them what their grievances really are, perhaps the threat to us would be removed and we can help them resolve their issues with the rest of the world and their own people.
I know that everyone says that we cannot be pushed around by these people, we cannot and will not tolerate terrorism but perhaps we need to stop and think and way up the real costs of our actions.
When I was a child, I was always having my school cap taken and spent half my play time chasing after those who had taken it. This went on for months and became quite stressful. Eventually one of my teachers took me aside and said to me ‘Let them have it. Stop chasing them ... they will soon get fed up and go and irritate someone else!’
How true those words were. My cap was duly returned by one of the culprits and they quickly understood that I (and no one else) would pay them any attention to what they were doing. They eventually gave up.
Like all things in life there is a cost. So far there has been a huge financial cost to us being in Afghanistan, the loss of 307 lives, over 3,000 injured plus the huge amount of stress to both our soldiers and their families and friends. What is the maximum price we as a country are prepared to pay!
It would be easy to say that what we do is what we have to do. But there are hundreds of countries across the world that do not get involved and as a result are not really affected by these events. Of course it could be argued that if every country in the world put in say 1,000 troops then the problem could have been resolved years ago and the loss of life would be spread and long past.
But I suppose at the end of the day we are not called Great Britain for nothing! We have to get involved even if it is at a cost which we really cannot afford. I’m not against us trying to resolve the whole issue of terrorism and subjecting our people to threats, I just question the way we are going about it!
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The argument proffered that we need to be there to eradicate the terrorists who are responsible for attacks against our people here in the UK is not as strong as it sounds.
The major reason why these groups of people are a threat to us - is that we are a threat to them!
Do they attack us because we threaten them?
If we pulled out and avoided any further conflict with these people - instead offering to meet and discuss with them what their grievances really are, perhaps the threat to us would be removed and we can help them resolve their issues with the rest of the world and their own people.
I know that everyone says that we cannot be pushed around by these people, we cannot and will not tolerate terrorism but perhaps we need to stop and think and way up the real costs of our actions.
When I was a child, I was always having my school cap taken and spent half my play time chasing after those who had taken it. This went on for months and became quite stressful. Eventually one of my teachers took me aside and said to me ‘Let them have it. Stop chasing them ... they will soon get fed up and go and irritate someone else!’
How true those words were. My cap was duly returned by one of the culprits and they quickly understood that I (and no one else) would pay them any attention to what they were doing. They eventually gave up.
Like all things in life there is a cost. So far there has been a huge financial cost to us being in Afghanistan, the loss of 307 lives, over 3,000 injured plus the huge amount of stress to both our soldiers and their families and friends. What is the maximum price we as a country are prepared to pay!
It would be easy to say that what we do is what we have to do. But there are hundreds of countries across the world that do not get involved and as a result are not really affected by these events. Of course it could be argued that if every country in the world put in say 1,000 troops then the problem could have been resolved years ago and the loss of life would be spread and long past.
But I suppose at the end of the day we are not called Great Britain for nothing! We have to get involved even if it is at a cost which we really cannot afford. I’m not against us trying to resolve the whole issue of terrorism and subjecting our people to threats, I just question the way we are going about it!
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Thursday, June 24, 2010
Retiring at 66, 67 or even 70 plus?
Over the last few days we have been hearing a lot about the proposed changes to the retirement age. For men that is likely to start going up from 2016 to 66 and then progressively until the age of 70 or even later.
The issue I have is that the idea is fine, as it does save the taxpayer a huge amount of money, but only if there is sufficient jobs available.
Currently the National Office of Statistics reports that 28.86 million people are in work. If we assume that the average person works from the age of 20 to 65, a total of 45 years, then one extra year represents a lengthening of the average working life by 2.22%.
Not much you might say, but that represents over 600,000 extra jobs required each year for each year the pensionable age is increased.
We already have 2.47 million people unemployed with 1.48 million on unemployment benefit looking for work. The number of people unemployed for more than twelve months increased by 85,000 over the last quarter to reach 772,000, the highest figure since the three months to April 1997.
It is reported that during the three months up until May 2010 there was a total of 492,000 vacancies. That is 5.2 unemployed people per vacancy.
If we introduce a further 600,000 jobs required by raising the retirement age, what will that achieve short of increasing the number on unemployment benefit by a huge amount. Of course the current benefit paid to the unemployed (£64.30) is a lot less than that paid as pension (£95.25) ... so the tax payer will save money (£30.95), which is around £1 billion per year.
My other concern is that if people retire at 66, 67 or later then there will be a number of years when very few people will retire and vacate their jobs. These vacated jobs make way for others to be promoted, effectively shuffling everyone one up the employment ladder, perhaps allowing them to earn a little more money, and save a little more for their non state (and state) pension.
This shuffling effect goes right down through the ranks and ages, making space at the bottom for new people. Those new people are our young people finishing school and university.
If this happens the number of unemployed at the younger end of the market will rise dramatically. These are the people who really need to get work and earn themselves a good living, as they have their whole lives ahead of them.
The issue appears to simply be that if we create additional working years (approx 600,000 for each year the pension age is raised) we need to create additional jobs to absorb those years. We are already around 2.5 million jobs short so this is just making the problem worse.
Pumping money into the state system to cover unemployment is short sighted. Surely what we need to do is create more jobs, probably between 3 and 5 million over the next five to ten years.
How?
So much of our manufacturing and services have gone overseas because labour is much cheaper and everyone is interested in reducing costs to a minimum.
Increasing taxes on a sliding scale on the profits of businesses who import goods that we could make ourselves would help.
Introduce import taxes on all imported goods that could be made in the UK. That’s not on materials, services or products that we cannot make, but on those than we can.
Reduce the cost of production in the UK by cutting bureaucracy, cutting manufacturing costs, business rates and encouraging manufacturing all in areas again.
Using some of that money saved to encourage manufacturing in the UK. After all we are a leading nation when it comes to science and technology, once we were the worlds’ leading industrialised nation until we threw it all away in favour of the service industries such as banking! Sorry!
Surely it can’t be that hard to reduce the difference in cost between manufacturing here in the UK and that of some cheaper nation considering transportation and environmental costs, possible tax advantages and incentives to UK manufacturers.
The new government is full of ideas, but is it really looking at the long term affect of what it plans to do.
Based upon material from Office for National Statistics - Published on 16 June 2010 at 9:30 am
The issue I have is that the idea is fine, as it does save the taxpayer a huge amount of money, but only if there is sufficient jobs available.
Currently the National Office of Statistics reports that 28.86 million people are in work. If we assume that the average person works from the age of 20 to 65, a total of 45 years, then one extra year represents a lengthening of the average working life by 2.22%.
Not much you might say, but that represents over 600,000 extra jobs required each year for each year the pensionable age is increased.
We already have 2.47 million people unemployed with 1.48 million on unemployment benefit looking for work. The number of people unemployed for more than twelve months increased by 85,000 over the last quarter to reach 772,000, the highest figure since the three months to April 1997.
It is reported that during the three months up until May 2010 there was a total of 492,000 vacancies. That is 5.2 unemployed people per vacancy.
If we introduce a further 600,000 jobs required by raising the retirement age, what will that achieve short of increasing the number on unemployment benefit by a huge amount. Of course the current benefit paid to the unemployed (£64.30) is a lot less than that paid as pension (£95.25) ... so the tax payer will save money (£30.95), which is around £1 billion per year.
My other concern is that if people retire at 66, 67 or later then there will be a number of years when very few people will retire and vacate their jobs. These vacated jobs make way for others to be promoted, effectively shuffling everyone one up the employment ladder, perhaps allowing them to earn a little more money, and save a little more for their non state (and state) pension.
This shuffling effect goes right down through the ranks and ages, making space at the bottom for new people. Those new people are our young people finishing school and university.
If this happens the number of unemployed at the younger end of the market will rise dramatically. These are the people who really need to get work and earn themselves a good living, as they have their whole lives ahead of them.
The issue appears to simply be that if we create additional working years (approx 600,000 for each year the pension age is raised) we need to create additional jobs to absorb those years. We are already around 2.5 million jobs short so this is just making the problem worse.
Pumping money into the state system to cover unemployment is short sighted. Surely what we need to do is create more jobs, probably between 3 and 5 million over the next five to ten years.
How?
So much of our manufacturing and services have gone overseas because labour is much cheaper and everyone is interested in reducing costs to a minimum.
Increasing taxes on a sliding scale on the profits of businesses who import goods that we could make ourselves would help.
Introduce import taxes on all imported goods that could be made in the UK. That’s not on materials, services or products that we cannot make, but on those than we can.
Reduce the cost of production in the UK by cutting bureaucracy, cutting manufacturing costs, business rates and encouraging manufacturing all in areas again.
Using some of that money saved to encourage manufacturing in the UK. After all we are a leading nation when it comes to science and technology, once we were the worlds’ leading industrialised nation until we threw it all away in favour of the service industries such as banking! Sorry!
Surely it can’t be that hard to reduce the difference in cost between manufacturing here in the UK and that of some cheaper nation considering transportation and environmental costs, possible tax advantages and incentives to UK manufacturers.
The new government is full of ideas, but is it really looking at the long term affect of what it plans to do.
Based upon material from Office for National Statistics - Published on 16 June 2010 at 9:30 am
Monday, June 14, 2010
No! Not another Twitter, FaceBook or Google!
Who could have possible imagined that Twitter or FaceBook would ever end up as huge multi million pound businesses. But they did - along with worlds number one search engine Google.
But what is interesting about Twitter is that most people join it, and use it, but they don’t really understand what the advantages are or how to obtain them.
Do You?
These strange business models are hugely successful - earning massive incomes from advertising and sponsorship. Income level that most companies just dream about and high profit margins to boot!
When I think about Twitter or FaceBook (Yes, I am a member of both), I really don’t understand why so many people think being a member is a good idea. After all who really takes much notice of Tweets, or indeed what is being posted on FaceBook. Of course when you are an active member of either, you may act differently and get lots of value.
If we go back before Twitter and imagine the scene as the founders Evan Williams and Biz Stone sat around their kitchen table discussing what they were planning to do. They planned to allow people to collect connections with other people and then send those people short messages telling them what the sender was doing!
Now - really who is going to be interested in that? Well, over 50 million tweets are sent each day! So someone is interested. It will die out quickly …
Well four years have passed and it is still growing daily.
These sites are launched by their founders to provide a service to its members. But of course the real reason is the financial gain that the business makes as it grows. This is based upon billions of advertising images, each shown and paid for, either when displayed or when clicked upon. Those billions of images all add up and return huge revenues to the business.
Of course advertisers that use these facilities expect them to produce results in the form of sales of their products or services. If this is not forthcoming then they will stop using the service and eventually the platform will lose it profitability and cause a real headache to its owners. Advertisers only want people who are potential customers to see and click on their ads.
What will be next?
Well if we ask the question as to why people click on these ads and follow the links to purchase products we will find that some of it is purely impulsive, but the majority is because the ad relates closely to the content.
Advertising in conventional magazine has always worked really well. But a business that manufactures valves for oil leaks would be foolish to advertise in a teenage magazine! Likewise if you have an interest in diving and read a diving magazine each week, you are likely to find that there are a huge number of advertisements that are about diving!
How long will it be before someone comes up with a new online concept that allows individuals to only see advertisements on subjects or interests that they have elected? No spam! No emails! No wasted time?
Guess what … they have already!
+
But what is interesting about Twitter is that most people join it, and use it, but they don’t really understand what the advantages are or how to obtain them.
Do You?
These strange business models are hugely successful - earning massive incomes from advertising and sponsorship. Income level that most companies just dream about and high profit margins to boot!
When I think about Twitter or FaceBook (Yes, I am a member of both), I really don’t understand why so many people think being a member is a good idea. After all who really takes much notice of Tweets, or indeed what is being posted on FaceBook. Of course when you are an active member of either, you may act differently and get lots of value.
If we go back before Twitter and imagine the scene as the founders Evan Williams and Biz Stone sat around their kitchen table discussing what they were planning to do. They planned to allow people to collect connections with other people and then send those people short messages telling them what the sender was doing!
Now - really who is going to be interested in that? Well, over 50 million tweets are sent each day! So someone is interested. It will die out quickly …
Well four years have passed and it is still growing daily.
These sites are launched by their founders to provide a service to its members. But of course the real reason is the financial gain that the business makes as it grows. This is based upon billions of advertising images, each shown and paid for, either when displayed or when clicked upon. Those billions of images all add up and return huge revenues to the business.
Of course advertisers that use these facilities expect them to produce results in the form of sales of their products or services. If this is not forthcoming then they will stop using the service and eventually the platform will lose it profitability and cause a real headache to its owners. Advertisers only want people who are potential customers to see and click on their ads.
What will be next?
Well if we ask the question as to why people click on these ads and follow the links to purchase products we will find that some of it is purely impulsive, but the majority is because the ad relates closely to the content.
Advertising in conventional magazine has always worked really well. But a business that manufactures valves for oil leaks would be foolish to advertise in a teenage magazine! Likewise if you have an interest in diving and read a diving magazine each week, you are likely to find that there are a huge number of advertisements that are about diving!
How long will it be before someone comes up with a new online concept that allows individuals to only see advertisements on subjects or interests that they have elected? No spam! No emails! No wasted time?
Guess what … they have already!
+
Friday, June 11, 2010
Are We Killing Our Young Peoples Futures?
We have heard so much about the ‘ring-fencing’ of education during the recent election campaign here in the UK that I started to ask myself the question - Why? After all, all our children are getting an education at the moment and by ‘ring-fencing’ education surely all we are doing is allowing any waste to continue.
Questions really do need to be asked about how the education system works and if it could be done in a better way or indeed if it needs to be changed as a matter of urgency.
I’d like to look at a number of areas, but today I want to focus on just one. That is the issue of how many of our young people should go to university.
Before I start, I want to assure you that I have no desire to stop anyone from doing anything they want to do or stand in their way when planning their futures. Indeed freedom of choice is actually one of my arguments.
Our education system is designed to encourage as many young people to go to university as is possible (Government target of 50%). Yet we find graduates working in the local supermarket unable to find work and taking jobs that those who did not go to university should perhaps be filling.
Why can they not get a job doing what they have trained to do? Well perhaps the answer is simply that there are not enough of these specialist jobs, and those who obtain the best results get the best jobs. Those who perhaps should not have gone to university or obtained a degree at a lower level or in a more general subject area are likely to find it harder to find employment.
You may not agree with me, but let us suppose that all young people could go to university and obtain a first class honour degree … after all if we can improve our education system as many say we can, then that might be possible. If everyone has a degree, then what value is having a degree going to be? We could of course simply introduce a ‘super-degree’ so that those with the very best results stand out.
Although this concept is only fictional the truth is it is also impractical and would be fatal for our economy. The dreams that the last government created when they instigated plans for every child to have access to university with 50% achieving that dream seems fine on paper. The real problem is that it has set a precedent for the future. Today’s new parents now expect their children to go to university as a matter of course. Anything else is not acceptable. The focus is on achieving that dream of everyone having a degree, which then might be worthless.
Sadly, young people who do not do well at school often feel that they are second class citizens and that no one really cares about them! This is wrong, everyone is part of our society.
So what is wrong you may ask?
Who is going to build our homes, check our central heating system or repair our cars? These skilled jobs and many others are absolutely vital and need young people to be trained, perhaps using old fashioned apprenticeships, moving to work in these critical areas. Sadly young people see these types of skilled jobs as ‘second-class’ and strive to go to university. It is time to change that image and make apprenticeships as important as university education.
Whether we like it or not, we need highly skilled people, educated to the highest levels. We also need technically skilled people to do all those tasks that individuals cannot do. Finally we also need those semi-skilled and unskilled people who carry out the millions of low paid jobs in our retail, hotel and caring industries.
No! I’m not getting into a discussion about how much these essential workers get paid! Personally I think it is disgusting that carers and checkout operators get paid so badly.
Not everyone is bright enough to be a doctor or engineer – and we don’t need millions. Not everyone is clever enough to be a plumber or a motor mechanic – and we don’t need that many anyway. Not everyone is cut out to be a supermarket checkout operator or a home carer. But all these jobs are essential and important, and every human being should feel worthy of what they do.
I’ve worked as a company director, as a software developer, as a baker and even a fishmonger in a supermarket. I’m sure there are other things that I will do as well. Whatever the job I do – it does not make me a different person. I might earn £100 per hour in one job, and only £5.85 in another … but I am still the same person.
Crucially whatever job we do, someone has to do it, because it is essential. We, as a nation need to take the stigma out of education and recognise that we need people of all skills and abilities.
+
Questions really do need to be asked about how the education system works and if it could be done in a better way or indeed if it needs to be changed as a matter of urgency.
I’d like to look at a number of areas, but today I want to focus on just one. That is the issue of how many of our young people should go to university.
Before I start, I want to assure you that I have no desire to stop anyone from doing anything they want to do or stand in their way when planning their futures. Indeed freedom of choice is actually one of my arguments.
Our education system is designed to encourage as many young people to go to university as is possible (Government target of 50%). Yet we find graduates working in the local supermarket unable to find work and taking jobs that those who did not go to university should perhaps be filling.
Why can they not get a job doing what they have trained to do? Well perhaps the answer is simply that there are not enough of these specialist jobs, and those who obtain the best results get the best jobs. Those who perhaps should not have gone to university or obtained a degree at a lower level or in a more general subject area are likely to find it harder to find employment.
You may not agree with me, but let us suppose that all young people could go to university and obtain a first class honour degree … after all if we can improve our education system as many say we can, then that might be possible. If everyone has a degree, then what value is having a degree going to be? We could of course simply introduce a ‘super-degree’ so that those with the very best results stand out.
Although this concept is only fictional the truth is it is also impractical and would be fatal for our economy. The dreams that the last government created when they instigated plans for every child to have access to university with 50% achieving that dream seems fine on paper. The real problem is that it has set a precedent for the future. Today’s new parents now expect their children to go to university as a matter of course. Anything else is not acceptable. The focus is on achieving that dream of everyone having a degree, which then might be worthless.
Sadly, young people who do not do well at school often feel that they are second class citizens and that no one really cares about them! This is wrong, everyone is part of our society.
So what is wrong you may ask?
Who is going to build our homes, check our central heating system or repair our cars? These skilled jobs and many others are absolutely vital and need young people to be trained, perhaps using old fashioned apprenticeships, moving to work in these critical areas. Sadly young people see these types of skilled jobs as ‘second-class’ and strive to go to university. It is time to change that image and make apprenticeships as important as university education.
Whether we like it or not, we need highly skilled people, educated to the highest levels. We also need technically skilled people to do all those tasks that individuals cannot do. Finally we also need those semi-skilled and unskilled people who carry out the millions of low paid jobs in our retail, hotel and caring industries.
No! I’m not getting into a discussion about how much these essential workers get paid! Personally I think it is disgusting that carers and checkout operators get paid so badly.
Not everyone is bright enough to be a doctor or engineer – and we don’t need millions. Not everyone is clever enough to be a plumber or a motor mechanic – and we don’t need that many anyway. Not everyone is cut out to be a supermarket checkout operator or a home carer. But all these jobs are essential and important, and every human being should feel worthy of what they do.
I’ve worked as a company director, as a software developer, as a baker and even a fishmonger in a supermarket. I’m sure there are other things that I will do as well. Whatever the job I do – it does not make me a different person. I might earn £100 per hour in one job, and only £5.85 in another … but I am still the same person.
Crucially whatever job we do, someone has to do it, because it is essential. We, as a nation need to take the stigma out of education and recognise that we need people of all skills and abilities.
+
Thursday, June 10, 2010
Getting Work at 60 Plus – Depressing or What?
My current job as a Data Manager (Maternity Cover) at the well known independent King Edward VI School in Southampton finishes at the end of this term in early July. In preparation for that event I have been searching for a new position.
Now I know that times are tough and that jobs are difficult to get whatever your age, but that is not really my concern. I want to work and even the government is trying to encourage people to work past 65 so that the huge cost of providing state pensions is reduced. I for one have no problem with that idea, after all … if I can continue working at something that I enjoy and at the same time continue to bring an income into the home, then why not?
Of course, if I had a nice fat private pension then I could stop working and enjoy myself even more. Sadly that is not so in my case and many others are also discovering that their pensions are not quite as ‘fat’ as they had hoped!
Yes, I will have a small pension plus the state pension at 65, but that amounts to barely enough to exist on. What is worse … I will have much more time on my hands with a lot less money to spend on filling those hours.
Now please do not shout at me, I’m not blaming anyone other than myself. My point is that I really do want to keep on working … but there is just nothing available and where there is, there are plenty of younger and more paper qualified people than me. Many advertised jobs I could do easily - but they demand a degree or some other qualification, a number of years experience, are only part time or pay unfair low wages.
Experience seems not to count for much anymore.
I have a wealth of business experience, business development, IT and people skills. I’ve even run my own businesses, some with a good level of success and others … well not so good perhaps!
Once upon a time I was top of my profession as a software developer. Today that technology has long gone and the new technologies are very complex and almost exclusively done by the younger generation who received quality teaching and guidance in their chosen areas. I learnt my skills by reading the software manufacture’s manuals … there were no training courses as software development was so very new back then.
The point is this - as my life moved forward my work became more generalised. I moved from being a software developer to being a manager, then to being a company director. The roles became much wider and less specialised, the earnings rose exponentially as the responsibilities increased. This is a quite normal pattern of things for people who have been working during the last 30 to 40 years or so.
Of course if you do these things within some large corporate business then you are likely to end up nearer the top with a great income and an amazing pension plan. But, if like so many of us you do this yourself, running a small business, struggling from one month to the next then it is often very different. Yes we have our freedom; we have the right to make our own decisions but often we operate within our own limited knowledge and make the wrong decisions as a result.
Today’s young people are much more likely to be professionally trained and keep working with the skill sets they were trained in and continued to develop over the years. Companies are bigger, structures much stronger and individual careers planned and developed to a much higher degree.
I’m not scared of taking any job that I can do, even if it only pays the minimum wage, but what does that do to my self esteem. What happened to all those dreams of success … those desires that we all secretly have, to own that special car and country home, or having our own business and financial independence.
As we get older we also have the issues of declining health, the added restrictions that age brings, the powerlessness to carry out heavy work, failing eye sight and hearing and the general decline of our bodies.
These frustrations are not made any easier when we are also hounded by the inability to find work that we are able to do; we would enjoy doing and that pays a reasonable wage.
+
Now I know that times are tough and that jobs are difficult to get whatever your age, but that is not really my concern. I want to work and even the government is trying to encourage people to work past 65 so that the huge cost of providing state pensions is reduced. I for one have no problem with that idea, after all … if I can continue working at something that I enjoy and at the same time continue to bring an income into the home, then why not?
Of course, if I had a nice fat private pension then I could stop working and enjoy myself even more. Sadly that is not so in my case and many others are also discovering that their pensions are not quite as ‘fat’ as they had hoped!
Yes, I will have a small pension plus the state pension at 65, but that amounts to barely enough to exist on. What is worse … I will have much more time on my hands with a lot less money to spend on filling those hours.
Now please do not shout at me, I’m not blaming anyone other than myself. My point is that I really do want to keep on working … but there is just nothing available and where there is, there are plenty of younger and more paper qualified people than me. Many advertised jobs I could do easily - but they demand a degree or some other qualification, a number of years experience, are only part time or pay unfair low wages.
Experience seems not to count for much anymore.
I have a wealth of business experience, business development, IT and people skills. I’ve even run my own businesses, some with a good level of success and others … well not so good perhaps!
Once upon a time I was top of my profession as a software developer. Today that technology has long gone and the new technologies are very complex and almost exclusively done by the younger generation who received quality teaching and guidance in their chosen areas. I learnt my skills by reading the software manufacture’s manuals … there were no training courses as software development was so very new back then.
The point is this - as my life moved forward my work became more generalised. I moved from being a software developer to being a manager, then to being a company director. The roles became much wider and less specialised, the earnings rose exponentially as the responsibilities increased. This is a quite normal pattern of things for people who have been working during the last 30 to 40 years or so.
Of course if you do these things within some large corporate business then you are likely to end up nearer the top with a great income and an amazing pension plan. But, if like so many of us you do this yourself, running a small business, struggling from one month to the next then it is often very different. Yes we have our freedom; we have the right to make our own decisions but often we operate within our own limited knowledge and make the wrong decisions as a result.
Today’s young people are much more likely to be professionally trained and keep working with the skill sets they were trained in and continued to develop over the years. Companies are bigger, structures much stronger and individual careers planned and developed to a much higher degree.
I’m not scared of taking any job that I can do, even if it only pays the minimum wage, but what does that do to my self esteem. What happened to all those dreams of success … those desires that we all secretly have, to own that special car and country home, or having our own business and financial independence.
As we get older we also have the issues of declining health, the added restrictions that age brings, the powerlessness to carry out heavy work, failing eye sight and hearing and the general decline of our bodies.
These frustrations are not made any easier when we are also hounded by the inability to find work that we are able to do; we would enjoy doing and that pays a reasonable wage.
+
Wednesday, June 09, 2010
Cutting that Deficit
Yesterday we heard the new coalition government talking about the huge monumental debt problems that the country is experiencing and likely to do so for the next decade or so.
Cut! Cut! Cut!
This seems to be what is being said. For whatever reason, it appears that we have, as a country, overspent and over provided during the last decade to such an extent that we now have to pay the price of that action. A price that is going to hurt!
It reminds me of what so many of us have experienced over the years, that horrible credit card debt that most of us have incurred at some stage. Yes, we can be foolish and go on a shopping spree and load our cards with ever increasing debt attracting huge interest rates each month. But I’m not really talking about those purchases but about those that we have HAD to make because of circumstance beyond our control.
• Losing our job and having a family to feed.
• The washing machine breaks down and those clothes need to be washes.
• A relative dies and a funeral needs to be paid for.
• You, your wife and children really do need that holiday!
Yes we all have relied on our credit card when things have got tough. It is easier to take out the card rather than hand over the cash – and anyway we can pay it off over a period of time, can’t we?
But I wonder how many of us watch that balance getting bigger and bigger. Then we have to pay off the minimum amount each month which is getting bigger as well, leaving us with even less cash to play with. I’m sure most of us understand this cycle.
The problem is that the situation tends to get worse and worse, and we ignore it for as long as we can. Eventually we are faced with the problem of how to resolve the debt crisis and get back to some more normal footing. We set up a plan to pay back a larger amount each month. The interest keeps on getting added! The amount of free cash keeps getting lower!
Whether we like it or not, eventually we have to cut back everywhere until the debt becomes more manageable. No holidays. No new car. No shopping sprees. No night’s out. No expensive Christmas gifts. Everything we spend, even the weekly shopping has to be trimmed and reduced.
Yes it hurts, but once it is done and the debt has gone, we suddenly find that it was all worth it, and that we have much more freedom to do as we please. We are not paying interest anymore so we have more money to spend on ourselves. We have also learnt a big lesson!
The national debt the UK has is exactly the same. We got here by irrational spending for whatever reason. Politicians make promised to get elected then have to keep them if they want to get elected next time. Whatever the reason, it has happened!
The system is such that no one appears to be controlling what is spent. That is a different issue which hopefully will be dealt with by the current government.
So, like the credit card problems we have faced, the country needs to do the same. It is all very well to say that education and the NHS should be ‘ring-fenced’ but why? We have over spent in all these areas as well. Yes I know that education could perhaps do with more money … I could do with a new car! I can’t afford it, nor can the country.
Our national debt of over £800,000,000,000 (800 billion) attracts interest at something over £65,000,000,000 (65 billion) every year and that is going to rise year upon year if we do not do something about it. We can run our education system for that!
No! If we need to cut government spending by 10% (say) to bring the situation under control then every area, irrespective of where, should have its budget cut by 10%. Yes this is going to be hard, and there are probably some valid cases where this cannot be sustained. More people will become unemployed, benefits costs will rise and the current benefits for the unemployed are simply not high enough to live on.
A compromise will be required. Just like our credit card debt, something will have to go and others remain essential. Currently all children of school age have a place and receive a reasonable education … why spend more? We introduced targets and league tables in our schools. What is the matter with them? They cost a fortune in time and money to record and report, when the money should be spent on educating our young people.
Currently the NHS carried out thousands of operations that are not deemed essential … why can’t the patient contribute or better still wait? Again the target driven strategy of today and the paperwork in creates is just beyond belief. We need to cut it out, and focus on providing real health service just as most doctors and nurses want to do!
We live in a society that is ring fenced with things such as ‘Health & Safety’. Now I am not suggesting that we should do away with it, but it has got out of control. We as individuals need to start taking responsibility for what we do. If you think things are bad here … just spend a few days in Mumbai.
Perhaps higher taxes are the answer. I don’t support the argument that anyone who earns less than £10,000 should not pay any tax. We all live here, we should all contribute something, however little we earn. I think it is better to do that so we all understand the needs of the country. If necessary give those lower paid more financial support, but they should all contribute.
I could go on and on but I’m running out of passion and desire to change it!
Let’s get out of this situation, however hard it may be and vow never to go back here again. We are all responsible for our country and we should all take that responsibility seriously.
+
Cut! Cut! Cut!
This seems to be what is being said. For whatever reason, it appears that we have, as a country, overspent and over provided during the last decade to such an extent that we now have to pay the price of that action. A price that is going to hurt!
It reminds me of what so many of us have experienced over the years, that horrible credit card debt that most of us have incurred at some stage. Yes, we can be foolish and go on a shopping spree and load our cards with ever increasing debt attracting huge interest rates each month. But I’m not really talking about those purchases but about those that we have HAD to make because of circumstance beyond our control.
• Losing our job and having a family to feed.
• The washing machine breaks down and those clothes need to be washes.
• A relative dies and a funeral needs to be paid for.
• You, your wife and children really do need that holiday!
Yes we all have relied on our credit card when things have got tough. It is easier to take out the card rather than hand over the cash – and anyway we can pay it off over a period of time, can’t we?
But I wonder how many of us watch that balance getting bigger and bigger. Then we have to pay off the minimum amount each month which is getting bigger as well, leaving us with even less cash to play with. I’m sure most of us understand this cycle.
The problem is that the situation tends to get worse and worse, and we ignore it for as long as we can. Eventually we are faced with the problem of how to resolve the debt crisis and get back to some more normal footing. We set up a plan to pay back a larger amount each month. The interest keeps on getting added! The amount of free cash keeps getting lower!
Whether we like it or not, eventually we have to cut back everywhere until the debt becomes more manageable. No holidays. No new car. No shopping sprees. No night’s out. No expensive Christmas gifts. Everything we spend, even the weekly shopping has to be trimmed and reduced.
Yes it hurts, but once it is done and the debt has gone, we suddenly find that it was all worth it, and that we have much more freedom to do as we please. We are not paying interest anymore so we have more money to spend on ourselves. We have also learnt a big lesson!
The national debt the UK has is exactly the same. We got here by irrational spending for whatever reason. Politicians make promised to get elected then have to keep them if they want to get elected next time. Whatever the reason, it has happened!
The system is such that no one appears to be controlling what is spent. That is a different issue which hopefully will be dealt with by the current government.
So, like the credit card problems we have faced, the country needs to do the same. It is all very well to say that education and the NHS should be ‘ring-fenced’ but why? We have over spent in all these areas as well. Yes I know that education could perhaps do with more money … I could do with a new car! I can’t afford it, nor can the country.
Our national debt of over £800,000,000,000 (800 billion) attracts interest at something over £65,000,000,000 (65 billion) every year and that is going to rise year upon year if we do not do something about it. We can run our education system for that!
No! If we need to cut government spending by 10% (say) to bring the situation under control then every area, irrespective of where, should have its budget cut by 10%. Yes this is going to be hard, and there are probably some valid cases where this cannot be sustained. More people will become unemployed, benefits costs will rise and the current benefits for the unemployed are simply not high enough to live on.
A compromise will be required. Just like our credit card debt, something will have to go and others remain essential. Currently all children of school age have a place and receive a reasonable education … why spend more? We introduced targets and league tables in our schools. What is the matter with them? They cost a fortune in time and money to record and report, when the money should be spent on educating our young people.
Currently the NHS carried out thousands of operations that are not deemed essential … why can’t the patient contribute or better still wait? Again the target driven strategy of today and the paperwork in creates is just beyond belief. We need to cut it out, and focus on providing real health service just as most doctors and nurses want to do!
We live in a society that is ring fenced with things such as ‘Health & Safety’. Now I am not suggesting that we should do away with it, but it has got out of control. We as individuals need to start taking responsibility for what we do. If you think things are bad here … just spend a few days in Mumbai.
Perhaps higher taxes are the answer. I don’t support the argument that anyone who earns less than £10,000 should not pay any tax. We all live here, we should all contribute something, however little we earn. I think it is better to do that so we all understand the needs of the country. If necessary give those lower paid more financial support, but they should all contribute.
I could go on and on but I’m running out of passion and desire to change it!
Let’s get out of this situation, however hard it may be and vow never to go back here again. We are all responsible for our country and we should all take that responsibility seriously.
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Tuesday, June 08, 2010
Employing 18 to 25 year olds - Is it fair?
The previous Government decided that there were to many young people unemployed and as a result they would introduce a scheme to effectively guarantee 18 to 25 year olds who had been out of work for 12 months a job.
The scheme provides upto £6,500 per person given a job. That is equivalent of just over £3 per hour for a full time worker. If you owned a supermarket paying £6 per hour, would you be tempted to take on some of these young people and save £3 per hour in employment cost? With wages being one of the highest costs to a supermarket, will we see profits double for £3 billion to £6 billion? :)
My concern is that if any government scheme or indeed any other initiative that is introduced that subsidises the cost of employing someone (whatever their age) results in employers taking on people from that age group.
Great you might say, that is the objective!
Sadly the fact is simply this … there is a limited amount of work to be done, and therefore a limited number of people are required to carry out that work. If an employer can get someone to meet some of their employment costs they will do so … replacing someone else who they cannot get help with, with someone who they can.
If there is say, 25 million jobs and 30 million people wanting to work, then however you look at it, 5 million won’t be working. What worries me is if 170,000 jobs are going to go to younger people, does that mean that 170,000 older people will lose theirs?
New initiatives should focus on CREATING NEW jobs. Perhaps one approach would be to restrict the amount of goods that are imported, and get back into manufacturing again. Long term being a provider of essentially ’service’ jobs just will not work.
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The scheme provides upto £6,500 per person given a job. That is equivalent of just over £3 per hour for a full time worker. If you owned a supermarket paying £6 per hour, would you be tempted to take on some of these young people and save £3 per hour in employment cost? With wages being one of the highest costs to a supermarket, will we see profits double for £3 billion to £6 billion? :)
My concern is that if any government scheme or indeed any other initiative that is introduced that subsidises the cost of employing someone (whatever their age) results in employers taking on people from that age group.
Great you might say, that is the objective!
Sadly the fact is simply this … there is a limited amount of work to be done, and therefore a limited number of people are required to carry out that work. If an employer can get someone to meet some of their employment costs they will do so … replacing someone else who they cannot get help with, with someone who they can.
If there is say, 25 million jobs and 30 million people wanting to work, then however you look at it, 5 million won’t be working. What worries me is if 170,000 jobs are going to go to younger people, does that mean that 170,000 older people will lose theirs?
New initiatives should focus on CREATING NEW jobs. Perhaps one approach would be to restrict the amount of goods that are imported, and get back into manufacturing again. Long term being a provider of essentially ’service’ jobs just will not work.
+
Monday, June 07, 2010
Get 3 Free Issues of Mike Filsaime's Newsletter
Hey guys,
It's true!
You can get 3 FREE copies of Mike Filsaime's MDC Monthly.
Mike Filsaime's Newsletter Click Here
Mike Filsaime is using a new way to spread the word.
He is not asking for any tell a friend of even an OPT-IN
He is experimenting with a new type of Social Viral Marketing that appears to get him backlinks to his site just for sharing the word.
Mike Filsaime's Newsletter Click Here
This seems to be the truest form of Viral marketing I have seen yet. It uses social media and blogs to get the "news" out about something rather than
Tell-A-Friends etc.
But the main thing I want to share with you is that you can get 3 Kick-Butt copies of his latest newsletter and you don't have to pay $89.00 to get it.
Just click the link below and it is yours Free!
Mike Filsaime's Newsletter Click Here
P.S. - Even if you THINK you are not interested in his newsletters (Which are pretty good from what I see) I suggest you give it a shot for 2 reasons. 1- You may be surprised at the quality. And 2- Wait until you see how he is trying this new viral marketing.
It's true!
You can get 3 FREE copies of Mike Filsaime's MDC Monthly.
Mike Filsaime's Newsletter Click Here
Mike Filsaime is using a new way to spread the word.
He is not asking for any tell a friend of even an OPT-IN
He is experimenting with a new type of Social Viral Marketing that appears to get him backlinks to his site just for sharing the word.
Mike Filsaime's Newsletter Click Here
This seems to be the truest form of Viral marketing I have seen yet. It uses social media and blogs to get the "news" out about something rather than
Tell-A-Friends etc.
But the main thing I want to share with you is that you can get 3 Kick-Butt copies of his latest newsletter and you don't have to pay $89.00 to get it.
Just click the link below and it is yours Free!
Mike Filsaime's Newsletter Click Here
P.S. - Even if you THINK you are not interested in his newsletters (Which are pretty good from what I see) I suggest you give it a shot for 2 reasons. 1- You may be surprised at the quality. And 2- Wait until you see how he is trying this new viral marketing.
Friday, May 21, 2010
Should we Treat Women as Equals to Men?
Over the last few years we are constantly being reminded that men and women should be treated as equals. We are supposed to pay women at the same rate as men, offer the same employment benefits etc.
The retirement age for women in the UK is slowly rising to 65 to match that of men, and then onward and upward until it hits the new ceiling proposed for everyone to retire at.
If not treating women as equal to men is wrong, then not treating men as not equal to women should equally be wrong!
Women, who are 60 this year, retire and get a state pension, but if you’re a man you have to wait another five years!
So much for being equal!
The retirement age for women in the UK is slowly rising to 65 to match that of men, and then onward and upward until it hits the new ceiling proposed for everyone to retire at.
If not treating women as equal to men is wrong, then not treating men as not equal to women should equally be wrong!
Women, who are 60 this year, retire and get a state pension, but if you’re a man you have to wait another five years!
So much for being equal!
Thursday, May 13, 2010
Affiliate Marketing Secrets
One of the easiest and fastest way to make money online in through affiliate marketing. This is when you send visitors to someone else's product sales page, they make the sale and deliver the product, and you get a percentage of the sale price as you commission (usually 50% or more for digital products).
Here's what these affiliate marketing strategies will do for you:
All of this together increases your chances of making the sale by up to 500% so it's well worth the effort of setting it up. And once it's set up, it runs automatically - you just keep sending visitors to the squeeze page.
If you don't have the time or expertise to set it all up yourself, you can use something like Affiliate Silver Bullet. Services like this design the enter system (the video, the video squeeze page, the email series, the content pages, etc). The benefit is that it's much less expensive then you could do it yourself, and it's instantly set up. The downside is that other people will be using the same affiliate tools as you. But the internet is pretty big, so this isn't much of a concern.
The other route you can take is to hire people on Elance to create and implement the various aspects for you. Either way, it's an important step that you need to take if you're going to be serious about your business.
The benefits of this are
- You can get started almost immediately because you don't have to create a product, write the sales page, design the website, develop marketing materials, or set up the ordering, billing & delivery system.
- You have almost no investment of time because you don't have to do the customer support or deal with billing or technical issues.
- You have nearly zero risk because you already know the product sells. So if you send visitors you will get paid.
The downside is...
After all your hard work of generating traffic to the sales page, you will never see any of those visitors again. Most of them will not buy on their first visit, which means you're losing over 90% of the traffic right off the top. And of the 10% or less that do buy, the product owner will be able to sell to them again, but you will not.What's the solution?
Simply put, you need to capture the name and email of your visitors *before* sending them to the product sales page. This way you can follow up with them and keep sending them back to the sales page to increase your chances of making the sale. And if you're really on top of your game, you'll then send to a pre-sales page in between.Here's what these affiliate marketing strategies will do for you:
- You'll be building your own list of potential customers that you can market to again and again.
- You'll be pre-selling them by providing valuable information and then casually linking to the product sales page in the context of this information.
- A Video Squeeze Page (with video)
- One or more content-rich Pre-Selling Pages
- At least a 5-Part Email Followup Series
All of this together increases your chances of making the sale by up to 500% so it's well worth the effort of setting it up. And once it's set up, it runs automatically - you just keep sending visitors to the squeeze page.
If you don't have the time or expertise to set it all up yourself, you can use something like Affiliate Silver Bullet. Services like this design the enter system (the video, the video squeeze page, the email series, the content pages, etc). The benefit is that it's much less expensive then you could do it yourself, and it's instantly set up. The downside is that other people will be using the same affiliate tools as you. But the internet is pretty big, so this isn't much of a concern.
The other route you can take is to hire people on Elance to create and implement the various aspects for you. Either way, it's an important step that you need to take if you're going to be serious about your business.
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