We need to think ahead….

In today’s society we seem to be wasting so much time on discussing the past and how we can/should be fixing the past, instead of looking ahead…..

The simple reason for looking ahead perfectly summed up in this statement here:-

” Regulation is addressing a problem in the rear view mirror rather than looking at the road ahead “

Yet all too often all we are doing is saying “What if…..” or “How about….” in relation to the past yet this fixing of problems isn’t doing anything to solve the much bigger problems which are arising just around the corner was we always believe that someone else will be looking at that……

But guess what, nobody is!! As if there was someone doing that, do you really think that you would be spending so much time work on fixing/finding solutions for the past?

As costs continue to soar, we are aren’t looking at how we can deliver a cost saving future as we aren’t prepared to invest in happy to reduce costs when no profit is involved.

We need to start looking at how we can develop Social Enterprise which by capitalising on Green Energy, Kinetic Energy and Renewable Energy can produce a huge impact today on the way we work and the environment – not just talk about how it can help in the future…..

Whether we start at home or in the workplace, by making it compulsory that all new projects contain Air or Ground Source heating facilities as well as combining Solar and Kinetic Energy production, homes and workplaces will virtually have no energy costs and this is such a powerful proposition we need to be looking at today…….

But why won’t Councils do this?

The main reason is that they are too afraid to be forward thinking yet they are so happy to give grants to Companies, Research Centres/Groups and University’s to look at developing this technology whilst it already has been around for 15 to 20 years!

We have to stop keeping reinventing the wheel and actually start looking at what’s already in place and further enhancing/improving “The Wheel” to start delivering both environmentally and financially beneficial solutions to help improve our society…..

To learn more about how we can improve tomorrow’s society today, please do get in touch via completing the form below:-

Ian Calvert provides a range of Services whilst being a Brand Ambassador, Brand Advocate, Brand Evangelist and Social Business partner for many companies not just in the UK but Globally too. Thus, by keeping ahead of the game, Ian Calvert can help leverage and build the foundations for bringing both you and your company into 2018/2020 today. To discover more, feel free to contact via his website here.

 

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Is Innovation just Destruction in disguise?

Innovation – really?

Are you sure you are really creating innovation?

Are you not just re-inventing what has been done before? Just in a faster more efficient way?

With most things that we or others do, technology seems to be the answer but is it really the answer?

We are now seeing today the shift in marketing coming back around again to the old format of “word of mouth” or “referral” but in today’s world of technology and marketing speak – it’s now redefined as being labelled “relationship marketing” or “social selling”!!

Same method just a different hat/clothes….but whilst marketing may be coming full circle, it doesn’t mean that innovation is delivering what we really want!

Is it just really destruction in disguise?

Are we innovating just for the sake of it and wanting to make a name for ourselves or make lots of money out of it?

Take the world of banking for example….

In the past of pre 1960’s, all decisions were done at your branch and the bank manager knew you and your family. So, any lending etc was all based on you and your ability at his/her discretion – all down to the relationship that was there within the community based on you, your family and the company that you worked for.

Since technology (in it’s earliest formats) arrived in the 1960’s, automation has taken over more and more to make systems more efficient and streamlined but has this really worked?

In some aspects yes you could say it has but in others, the real answer is no as local knowledge and decision-making was removed, thus meaning as people were rejected for funding, the rise in third-party lending increased.

The rise of third-party lending meant people were forced in to higher debt as these lenders would charge more than a normal bank at huge levels meaning it could take a year or longer just to pay off an amount that if a High Street Bank had lent them the money, they would have only taking weeks or a few months to pay this back!

Then as technology developed and arrived more and more in to the banking and finance eco-system, since 2010 we have seen a boom in telephone and on-line lending. This means, the speeding up of the process of lending, by getting a decision within minutes and then the payment into your bank account within anywhere from a few minutes to a couple of hours!

So yes taking banking, technology can improve and make services more streamlined and efficient but at what cost?

With this technical revolution that the banks and third-party lenders are rolling out, another new wave is appearing with launch of Challenger Banks but this is not better…..far from it……

Yes, the speed of delivery, the time for results/approvals being delivered and transactions speeds improving, are all benefiting us in so many ways.

By streaming processing and implementing the technology, once the investment/delivery costs have been covered, the cost base is much lower meaning shareholders/investors are being rewarded with huge improved profits.

All well and good you may say but is this short-term win worth the long-term pain?

The Challenger Banks are operating from one or two locations where they have offices for the staff to operate from as well as looking after/developing their own technology – no physical branches or local staff for you to deal with.

Thus meaning, the overheads are so much lower due to a much lower operating base, and when added to offering virtually the same services, revenue stays around the same but when combined with lower overheads – the profits will be much higher!

So as traditional banks have to match and compete with the online/telephone companies and Challenger Banks, branches shut and staff numbers are reduced – creating the casualties of technology!

And this is where innovation becomes destruction over moving forward…..

Empty buildings that the banks vacate become empty for long periods of time and make the streets look empty/lonely places to be – creating a Ghost Town environment?

Before you say that new local businesses can take them over and move in, the issue is that the Pension Funds that own them and add to this, the costs of the Estate agents that manage them – the rents become too high for small local businesses to occupy them!!

And in turn meaning these remain empty……….

Add to this, the staff that are laid off, the number of people being unemployed will rise and rise, leading to more destruction of our society as how will they afford to live?

With Pension Funds not making the money to cover the pensions they have to pay out; and added to the fact that more people will be seeking benefits to replace the incomes they had before due to not being able to find a replacement job – this all leads to the destruction that our society will see as technology takes over more and more…….

The question is, are you prepared for this destruction that innovation is now creating…….

 

If you are wanting to understand more about FinTech, Social Relationships and how it all combines with what The Social Family offers, then feel free to contact myself via the form below:-

Have you seen their Toolbox? Do you know what’s it?

Are you with a one-track pony? Recently I have seen someone who is clearly focused on chasing certain people, reading this book and that book, following certain people in hope that they would engage with them, going through groups/forums and when they get a response they sing and dance about to highlight “look how good I am X, Y or Z have messaged me to say I am right”….oh please……
Whilst it may be good to be working with someone who is a specialist (and I use this term loosely!!) to help you in one area, just step back and look…..who are you, how big is your Toolbox and what complete advice can you give me?
With more and more people leaving work (or the world of medium, big, national or corporate work) to either work for smaller companies where you will feel more comfortable, appreciated and wanted or even working for yourself, you need to effectively manage both your finances, training and advice effectively.
Yes, it can be good joining others on a few hours, half or full day’s training/overview on services and or a product or maybe even having one-on-one training — but are you looking at this the right way?
I recently spent some time going through with someone who had been working for themselves for 10 years plus and had started a second business around 18 months ago. They had listened to a few mates, people at the companies where they did sub-contract project work and other sub-contractors they worked alongside with for advice on what they need to be doing, should be using and buying books/attending courses. Yet most of the advice they were given, were focused around doing things freely, using free App’s, reading on-line or buying books/training sessions that had no real relevance as they didn’t focus them or weren’t really specific/relevant to their industry.
(Note:- I am not knocking FREE applications as within my Toolbox, I do share many free App’s that you can use as a foundation to get going with and even some, that you can use long term as they are a great help).
If you have less than 50 employees, work for yourself or looking to start out on your own, step back and look at what you need and want? Yes you may need some training here and there and assistance with certain things, but what do you really need?
It maybe good to go a specific trainer or advisor to seek help & advice or get in a coach/trainer looking at certain service/sector but why? Have you asked them about their Toolbox and what is inside it?
The toolbox is a very key component you need to look in and discover what is in someone’s Toolbox when you are looking to spend any money on your business with them.
9 times out of 10, the people you will be speaking too, will have little knowledge outside of their trusted faithful Applications/Services/Products —  which whilst maybe good for them, could be limited or totally wrong for your business, but without you realising this!!
The key thing is that you need a raft to look at. Stand back from their Toolbox, observe what they have and how they describe why they have it, what it does and MOST importantly, how which items will fit in to your business now, short, medium and long term??
The shocking answer is that their answer will be a few items and that can’t really give you comparable answers to why they have them….
If you step back look at certain major Key Influencers, they have their hand in most avenues and know which is the best out of all the items in that avenue to use offer you. So if you ask them about A, they will say look here at Avenue A and they will say yes but what about B, C,D, E, F etc….. these people know and understand the Toolbox principle — does your advisor, coach or trainer?
Take for example Robert Scoble and one area of the many he talks about, the world of cameras and videos. Robert has been playing around with the taking of photos and videos for ages whether by phone, camera, or video camera. He would tell you what the best camera for what you are trying to achieve or point you to someone else. Then it would be the best smartphone to take photos/videos, so you could do this and that with them. Then it would be moving on to portable cameras/recording devices  like the GoPro which Robert has mentioned a lot recently. Yet now, because of what is coming and how this can really help you lay the foundations for both you and your business in many areas, Robert is talking of as well as the benefits of 360 Degree Cameras! You may think what has this got to do with my business, but that is the main key point! Robert has an understanding of what is happening with technology, what is coming and how photos/videos can help you and your business — hence why his foresight and forward thinking is allowing you the chance to stay ahead of others by creating and laying the right foundations in this arena…..
Another example is Brian Fanz. Whilst along the lines of the above, the key point is that Brian takes the same approach as Robert and has many avenues too  and doesn’t always take sides but is giving you a bigger overview of the whole avenue and what it contains. Quite some time ago, both Brian and I were using a platform called Movy which enable you to take and record video messages and show/share them with others in the Movy community. This was (and I think still could be) a great facility yet IMHO, lacked investment and vision as has now been superseeded by the likes of Meerkat and Periscope. If you look at Brian’s avenue, he jumped on board with Meerkat right at the very beginning at SxSW and then you had the announcement that Periscope would becoming (many others ignored Meerkat and we telling people to wait for this) but Brian stuck to his principles and wanted to see the whole picture for his audience. Thus now, he uses three — Meerkat, Periscope and Snapchat — and is now able to demonstrate the plus’s & minus’s of each one, to what it can offer you and your company with both live and recording streaming for various applications within your business.
So, with both the examples of Brian and Robert above, this clearly highlights that whilst they talk about a specific product/service/application, they also know not just one item in this avenue but about the wider arena of what’s available in that avenue and how they compare and/or are right for your business.
Thus,when you are seeking advice, make sure you see that person’s Toolbox to understand what the market is offering. Whilst I’m not using everyone every single day, I have over 100 items in my Toolbox to allow my clients to understand what is happening and how they should be using them.
Once we have discussed the merits of each and everyone that we both think should be in their newly created Toolbox, we make a final list of when and how these items should be brought into their business. Once the list and time frame is created, I then make some suggestions as to how they should pay for them and at what level (i.e. free or paid subscriptions/App’s). I will then, help them to choose books to buy, webinars to watch, possibly share my library with them and if required, who they need as a trainer for this item.
This may seem confusing from the start above when I was saying you don’t need a specialist who focuses on one thing, i.e. like using someone who only focuses on LinkedIn YES you need them BUT only later after you have spoken with someone who has the right Toolbox and can suggest a few names to you!
(Note:- I don’t provide one person, I will offer you between 2 and 4 names, so you can speak to each one and decide who you feel is the right person you can work with to train you).
So, STOP — step back and look at who is training/advising you ask them to show you their Toolbox and explain to you why they are pushing you down that avenue and ask why they haven’t mentioned other items from the avenue like I explained with Brian and Robert earlier.
Please, make sure you are seeing the Toolbox of those offering you advice and training/coaching you as this is one of the most valuable parts of your business and something you need to have in place from day one!
If you would like to see my Toolbox — then click through here to learn more and see what items we have in The Toolbox.
To learn more about having the right Toolbox for you, please complete the form below and let us arrange a time where we can work together to create the right Toolbox for both you and your business…..