01 Sep

State pension cash set to run out in 2015? Time for a different type of pension!

Just saw this today:

Instead of investing money in the government's bankrupt pension scheme, why not invest some of your own time to build something much, much better? Click here to find out how

Build your own pension with time instead of money – click here to find out how

This quote takes things a step further:

The report’s author, Michael Johnson, has suggested that the end of the fund will mean that the government needs to take radical steps. He suggests that it should bring an end to the National Insurance system – and that the Chancellor ought to announce this in the Autumn Statement. He suggests that the current approach of adding it to the income tax bands should make way for a single tax matching the total tax we currently pay on income – namely 32%, 42% and 47%.

But perhaps most shocking is the effect he is predicting for future generations. Johnson suggests that: “Given that exhaustion is inevitable, the next generation should be advised that their State Pension will be, at best, derisory. Indeed, it would be prudent to plan around not receiving anything at all.” He warns that for people aged 45 and under there’s every chance that the pension will be more modest, and retirement dates much later. For those under the age of 35 he says that there may be no state pension at all.

So Instead of investing money in the government’s bankrupt pension scheme, why not invest some of your own time to build something much, much better? Click here to find out how.

07 Sep

Paypal.me – what a simple innovation



The best innovations are sometimes both simple to grasp, elegant in the solution they create, and almost always obvious in retrospect.

PayPal’s “Paypal.me” idea ticks all 3 checkboxes, providing individuals, startups and solopreneurs alike with a quick and easy way to invoice for services, creating payment links “on the fly” like this:


for example.

Simple to grasp, elegant and super-quick to set up.

There are so many ways this can be used; here’s some quick ideas:

  • You’re a business growth consultant who charges £120/hour, offering some freemium content on a Google Hangout or Periscope to a targeted group. At timely moments during the valuable free group session, explain that for one on one sessions, viewers can take advantage of a 30 minute “special” where you’re offering to help them move forward, at a 50% discount: http://paypal.me/yourname/30. Or perhaps instead, if they want to take the next step, you could send them to http://paypal.me/yourname/1 for a £1/$1 trial for a 15 minute session.
  • You’re out with some business friends & the group decides to go for an impromptu Italian meal – but you’ve accidentally left your credit cards at home. Since there’s no charge to receive money if it’s from friends, most of the group have already grabbed their own personalised Paypal.me link, and the leader sends you his Paypal.me link for your share of the meal via text.
  • You’ve just introduced a new B2B service and you’re with a prospective client who really seems to want to trial the system today, but you’re not entirely sure they’re being serious. You could create a Paypal.me link “on the fly” as you’re talking with them as way of checking where they’re at: “Tell you what, let me text you a trial link where you can run with our full system for 30 days, and then you’ll be in a much better place to see if this is really a good fit for your business”.

…this is obviously just the tip of a very large iceberg in terms of how Paypal.me could be used.

But you can already see that with a bit of preparation on your part, you can leverage Paypal.me in all sorts of creative ways to help with better cashflow, give new clients a low risk way to get on-board, and a whole bunch more.

How about a tip jar for Bloggers, with a WordPress plugin that gives the reader an Ajax-based dropdown where they select the amount they want to tip and then pay via Paypal.me in just a few clicks)?

Or maybe something similar to the above for a yard sale, or even you’re own Etsy-style “pay what you reckon” e-commerce page, where visitors can choose from a range of prices?

What ideas can you come up with that will help your business using Paypal.me?

19 Jan

Twilio Sms in the UK – Now LIVE!

Twilio sms in the UK is now live! I've been using  Twilio sms since last November, and in December of last year I worked with 2 JV partners to launch some Twilio SMS software which is very easy for businesses to use.

This is great news for small businesses who want to use sms lead generation & other sms marketing strategies, but up to now the costs have been prohibitive: Twilio is charging 4cents per message, and you can rent a number for just $1/month.

Twilio has been called a disruptive technology by many, and although it's not the only kid on the block (its competitors include Tropo, Nexmo, Trumpia and a host of others), it's one of the few companies who I believe have enough zeal, investor backing, and vision to push forward sms & IVR-based telephony services for Small to medium sized companies.

Twilio is no small fry though, and its infrastructure is designed to be robust enough to meet the demands of the Big Boys.

Although the main front-end focus of the company is sms and voice communication, Twilio offers a very comprehensive call distribution with an Interactive Voice Response capability – so that any business can get access to these services.

So what does that mean for your business?

You now have access to cost-effective sms customer followup and sms marketing tools in your hands at a very affordible price point.

If you want to know how this works in practice, watch this video below which gives you an example of the sort of thing you can do with Twilio and sms lead generation (this is just the tip of the iceberg with what's possible with Twilio):


Lastly, as I mentioned at the beginning of the article, I have been working some excellent people to bring to market a very cost-effective sms platform for local businesses here in the UK. The video below was produced a while ago, and the web-based sms software we are now using has developed since it was made:


If you have any questions about the software, send the keyword: sms  to 447860022811

. Dez.