You Cannot Always Invent Your Way to Innovation

I’d like to start today with a quote from a NASA article in Fast Company – “But sometimes the better part of innovation, is not invention but effectiveness.” I’ve detailed my views before on how invention is not the same thing as innovation, but to build upon them and the quote above – sometimes progress or innovation is achieved by ...

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Cashing in Online

Why do dead presidents have no value in the online world? In other words, why can I not pay cash online anywhere I want in the same way I can in the physical world? For years now, when I am not busy serving paying clients, from time to time I bang the drum for my vision of making all online ...

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Frequent Diner’s Club

The coupon is as American as apple pie, and American shoppers love a good bargain. Some people love to clip coupons and some feel that it is beneath them, that somehow using a coupon makes them less of a person. I’m not quite sure I understand that one, but to each his own. Despite American’s aversion to haggling, there is ...

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Oh No you Don’t – Get Back to Work!

Some might say it is a step forward, some a step backwards, but coming soon to a Jet Blue airplane near you–access to Yahoo! Mail (e-mail) or Yahoo! Messenger (instant messaging client) for free in the sky via WiFi access points. You won’t be able to access the web willy nilly, but a separate agreement with RIM will allow feeding ...

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Retained Innovation

As an independent consultant, I try to talk to as many other fellow practitioners as my schedule allows to keep abreast of what others are experiencing and doing. What I have found in the area of billing clients is that there are a myriad of ways of receiving compensation for the work that we do. Everything from traditional hourly/daily/weekly to ...

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What Interchange are they Looking For?

I came across a couple of interesting articles on businessweek.com about relatively new payment solutions that people are looking at. The first article is about a company called National Payment Card that links your bank account to your drivers license or store loyalty card – creating a virtual debit card protected by a PIN. Transactions are processed as e-checks through ...

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Missing the Call to Action

I popped over to YouTube the other day to watch a music video and it struck me that artists are missing a huge opportunity for self promotion. Instead of clamoring for YouTube to take down their copyrighted material, artists of all types should be instead clamoring for YouTube to help them promote their material. Now I know YouTube has been ...

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Christmas Tree Time Saver

We went out and got our Christmas Tree last night and it turned out to be more rewarding than last year for a couple of reasons. Reason #1 – A still-bound six-foot tree fits through the 40% fold-down of a Honda Civic sedan with the trunk closed Reason #2 – My wife had the great idea of wrapping the still-bound ...

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Time to Prepare for Financial Winter

The holidays have always been more about family, faith, and giving than spending money which is good because people should be spending less this holiday season. If you’re trying to figure out what to buy for people this holiday season, make the smart move and conserve your financial resources for the coming financial winter. Things are about to get a ...

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Happy Thanksgiving

Some say that if you have your health you have your happiness. So, during this holiday season may you and yours remain healthy and thus happy for many years to come. At this time of the year, in addition to being grateful for my family I also feel grateful to those who have taken the time and energy to nurture ...

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