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The vision of a courier driver is usually one of a busy worker with a van stacked full of documents and parcels, employed by a transport company to deliver a certain number of parcels a day. You probably wouldn't think of someone in their own car, working odd hours in their spare time on a specific route. But this is the life of a so-called 'lifestyle courier' - the driver who works part-time and fits their parcel deliveries in around their other commitments. How many people work like this? Of course, this is a very small group of people. It is estimated they only account for fewer than 10% of all the drivers working in the industry today. However, for some, this type of courier driver business is the only way they could do a job like this. A mum might fit in some parcel deliveries during the day while her kids are at school for example. Many other people take on this type of work part-time to earn some extra cash, while others do it as an additional stream of income. So...

I was recently asked by one of the largest international hotel brands in the world to produce a presentation on adapting to change to present at their upcoming international Leadership Conference. I've mentioned the topic as I've presented to groups over the last two weeks and as I've interacted with other business executives and it's made me realize how important this topic is and how much it is needed. As you've noticed, I chose the title Making Change in an Apple Pay World. The reason is that, in years gone by we used to have to learn the value of hard currency and do the math every time we gave it to someone so that we knew how much change we were to receive. Then came credit and debit cards and the charge was automatic and we didn't have to think about making change. Of course, the latest in the evolution of exchanging value is Apple Pay and others like it. Apple Pay is even easier to use than credit and debit cards and it requires no thinking to make chan...