All posts by Clim Pacheco

About Clim Pacheco

Author and Business management consultant with an aim to create brighter futures for individuals, companies and countries through transfer of expertise, life skills and insights gained from executive management careers in financial services (insurance and finance), transport, education (management and leadership) and engineering (power and transport). Clim has published his book "Dare to be different, dare to be you" a life journey through goal setting, management and leadership to assist in inspiring others to persist with their dreams.

Dare to be different, dare to be you.

Stepping into the unknown world of starting one’s own business can be daunting- until one reflects back on why it was that important to you.

Six years on, Business Transformation Solutions has morphed into a lifestyle, with ideologies blending in with a sense of purpose, making choices on who to work with and what to work on and where to work, advancing causes that one always wanted to pursue- all this whilst earning to match the new needs of the chosen lifestyle.

With the guiding light of the Earning, Learning and Giving 3+1+1=10 Life Work Model, for the very first time in my career, I am not accountable to anyone, nor is anyone accountable to me- true freedom- and I am enjoying every waking moment of it.

Ambitious goals have been met. Importantly I have completed writing my book “Dare to be different, dare to be you” and am in the final stages of editing before reviews and hopefully publishing. Reflecting on all the careers in the various fields and countries, and including my take on #management and #leadership through the eyes of my personal journey and life, has been so fulfilling.

One ambitious goal remains-seeing that we all can live a life of choice, rather than necessity, of giving rather than getting, and a life that brings out the essence of oneself.


89.9 Light FM Melbourne- a wonderful opportunity


I had not thought about the power of radio for broadcasting messages and to date, Business Transformation Solutions has focused entirely on social media, public speaking and other marketing mediums for creating awareness of the “Earning, Learning and Giving” 3+1+1=10 Life Work model.

It was a truly inspiring meeting, visit and tour of the 89.9 Light FM radio station at Mitcham, Melbourne at the invitation of Jobby Mathew, Business Development Executive, that opened my eyes to this medium of communication as something I will need to now consider.

Destiny plays it part in life, as the chance meeting with Jobby at the Whitehorse Business Group event at Deakin University, was as a result of my acceptance speech at the 2017 Whitehorse Excellence in Business award night, as 89.9 Light FM were the sponsors of the Micro Sole Trader Business Award.

It shows that all forms of marketing need to be considered as the values and beliefs of BTS and its focus on social and community issues and goal to “create better lives” and come up with models to alleviate the issue of unemployment and underemployment in Australia, so very neatly aligns with what 89.9 Light FM is about.

Another chapter in the BTS journey begins.

Model to enable a focus on tackling unemployment and underemployment in Australia

Receiving the 2017 Whitehorse Excellence in Business Micro Sole Trader Business Award at the Vogue Ballroom, East Burwood, on 13 October 2017 was the highlight of four years of dedicating Business Transformation Solutions (BTS) to the development and trialing of a life work model that can be a starting point in the quest to addressing the issue of unemployment and underemployment in Australia.

The ABS media release on 14 September states that “The trend unemployment rate in Australia remained at 5.6 per cent in August 2017, and the labour force participation rate increased to 65.2 per cent, the highest it has been since April 2012.

The quarterly trend underemployment rate remained steady at 8.7 per cent over the quarter to August 2017 from a revised figure for May 2017 quarter”.

There is no doubt that the era of full-time work is on the decline. Technological displacement of workers will continue at an unabated rate, and will exponentially rise in the years to come.

The discussion on work life balance continues to preoccupy the minds of many, but with fewer workers on the books, and contracting on the rise, those left in full-time work see work life balance as a distant utopia that is receding as time goes by.

Those without work or in part-time work spend an inordinate amount of time applying for jobs and getting rejected. This leads to loss of confidence, and generally a decline in health when the future looks bleak. Life is not in balance without meaningful work.

It was within this context that BTS was created. Whilst there has been a lot of discussion on post work eras, and the need for work life balance, to date, there has not been any model that has been proposed.

BTS created such a model- the Earning, Learning and Giving Prosperity model (3+1+1=10) and the Director has been leading the way in making life work balance a reality as well as discussing the model with other entrepreneurs and inter-generational personnel and fine tuning it along the way.

This model will not be for all and arguably may be for those who have been in managerial roles or have an entrepreneurial streak within them.

It can be tweaked to suit ones stage in life, or financial position, or otherwise, but is a start in tackling the future of work- now.

The key to the model is seeing that one is not dependent on government support and enables one to pursue the things and multiple careers that appeal to individuals.

It enables the spark of work and life to continue well beyond restructures, age, or other personal challenges.

Awards such as the one just received, makes the journey that much more exciting and gives one the energy and drive to continue to work on models that will lead to the future models of life and work.

Further details on the Earning, Learning and Giving Prosperity model are in the website:





Leadership, intrigue, intuition and imagination


Colin Powell when asked about the “Essence of Leadership” stated that advice from his sergeant at infantry school was very powerful and had a great impact on him – “Lieutenant, you will know when you are a great leader when people follow you if only out of curiosity”.

Indeed, leaders seem to draw people to them as there is a sense of intrigue, anticipation and hope and being part of something larger than themselves.

Leaders inspire others to follow them as they have a strong sense of what lies ahead and imagine futures that are brighter, and something worth striving for as they are able to articulate a vision so clear and simple that people can feel the road-map ahead, even though the challenges may seem insurmountable.

Roselinde Torres in her research on “What it takes to be a great Leader” found that “Great leaders are not head down: they see around corners shaping their future not just reacting to it”. This characteristic of leaders is one that is nurtured over years of development and self-reflection, of looking at possible futures and using their intuition that is the accumulation of what they have read, seen, assimilated and reflected upon. They use their head, heart and gut to see around corners and have the courage to do something about their beliefs.

Collins in “Good to Great” found that great leaders have courage and humility and the steely determination to follow through on their intuition despite potential ramifications on their lives. They believe and follow through: action follows thought.

All this comes with a potent combination of Emotional Intelligence, empathy, trust, authenticity and energy.

Leaders have great intrigue, intuition and imagination and attract people to them.

The world is a better place because leaders dare to dream, and dream big, but importantly take action to ensure that they give hope to all.




The power of Learning through travel


The power of learning through travel is amazing and awe-inspiring and where possible, should be considered on our agenda to understand what makes people and different cultures tick and generally have an appreciation of how various cultures had their moments of glory and how transient these moments may be.

We have been geared to value learning through reading (studies and education), reflection (double loop learning), doing (action learning) and the benefits of experiential learning have been lauded.

Whilst all these modes of learning are vital and an integral part of life and necessary for our development, a recent trip to China opened up avenues of learning that I could not have imagined possible. It brought home to me something that I inherently valued and treasured- travel- but it has probably been the first time that I have looked at travel in the light of a mode of learning. Previously it has always been in the realm of experiences and awe rather than learning.

One has read about the remarkable Ming and other dynasties, the Great Wall of China, the Three Gorges Dam Project, the Forbidden City, the Terracotta Warriors and other major highlights of China. We have even seen videos and photos of the sites. However, immersing oneself in the moment, and going back in time to reflect on what made the Emperors and other rulers visualise such monumental thoughts makes one understand modern China. It also allows one to see how countries and people have ambitions for bigger and better things. Seeing the largesse and overpowering Three Gorges Dam opened my eyes to why a country can think big- after all, this was the country that built the Great Wall- so ambitious projects and undertakings must be in the countries psyche.

Reflecting on this and other experiences, I now can see why environmental conservationists have this burning desire for preservation of nature for generations to come. Seeing the whales and seals swimming and basking freely in the icy Antarctica waters and the penguins coming up to humans without fear, as it is their habitat and they know it, I realised the confluence of humans and nature and the need to cohabit without destroying nature and other beings.

Reaching into the wilderness of the Andes and coming upon the sight of Machu Picchu made me realise the ambitions of Incas to reach to the stars and build such a wonderful monument in the remoteness of the jungles of South America. The experience was so uplifting that no amount of reading about the archaeological site would substitute for breathing the air and stepping on those mystic grounds. Immersed in the pure air of the lofty mountains one could feel what air quality must mean to us in an industrialised world.

How can one not be in awe of the Egyptians when one sees the pyramids, the Indians when one first sets sights on the Taj Mahal, the French when one sees the Eiffel Tower, the Canadians when one goes atop the CN tower, the Americans when one sees Cape Canaveral, the Arabs when one sees the transformation of the deserts into modern metropolis such as Al-Ain and Abu Dhabi, the Romans when one sees the Colosseum or the Dutch when one sees the Zuider Zee.

And how can one not wonder at the power of nature when one sees the Grand Canyon, the Himalayas, Uluru (Ayers Rock), the East African Rift Valley, the Ruwenzori Mountains, the Niagara Falls, the Three Gorges and Antarctica.

Zebras, lions and giraffes co-existing with their natural habitat in Africa, butterflies fluttering from flowers to flowers in Uganda, the beauty of the wilderness, untouched by humans, is something one needs to treasure and find ways to preserve.

But behind these natural and man-made wonders comes the real message- we are here to co-exist with nature and preserve the natural and man-made wonders for future generations. Behind every culture are stories of ambition and achievement, but also of destruction and decay.

Can we learn from the highs and lows of the various civilisations?

There will always be the debate on what is right- the damming of the waters of the Yangtze River and majestic Three Gorges must be weighed against the needs of the energy, flood mitigation, navigation needs of a country in the throes of phenomenal development. Seeing first-hand the needs of the country and immersing oneself in the moment, makes one comprehend the immensity of the decision- and its positive and not so positive outcomes. Tasmania saw the battles to save the Gordon and Franklin Rivers flora and fauna from the effects of building dams for power generation, and a sight worth beholding for future generations.

By walking through the historical sites, one cannot help but feel the need to do something to make this a better world- to understand cultures, people and learn to appreciate the diversity in human beings- and play an active part in this preservation.

Walking through the crowded streets in mega cities of the world, I understand why people migrate to other places for a better life, why they leave behind family and friends and have to fend for themselves in countries at first alien to them.

I see the need to assist those newcomers into foreign lands to assimilate into the culture of their chosen country. I also see the need to build confidence for those who may feel that their culture is being eroded through migration.

This has been the most powerful outcome of travel to me.

I am not sure why it has been this trip to China that has triggered such deep emotions in me as I have always felt invigorated and uplifted by every journey I have made over six decades.

Maybe age (and hopefully wisdom) has played some part in this revelation.

It has been revealing enough for me to add travel in the Learning component of the “Earning, Learning and Giving” 3+1+1=10 life work model ( ) that I now live and advocate.

The role of humans in 2066- Fifty years on..


In fifty years, “3D printed food” will be the norm, robots caring for and transacting on everyday needs will be common place, the first humans will have settled comfortably on Mars, agribusiness will be totally automated, alternative green energy will power all our needs, auto-propelled and driven transportation systems will abound,and generally all “work as we know it” will no longer exist.

The Committee for Economic Development of Australia (CEDA) in a 2015 report stated that 40% of Australia’s current workforce could be replaced by automation within the next 20 years.

In 50 years, this could mean the end of work as we know it.

Money may no longer be needed as trading of services between robots will create an environment of bartering of specialist robotic services between robots rather than monetary transactions for rendering services.

With work being done by robots, and thinking machines taking care of all other needs, will humans have a role to play or will we be a species in decline and without purpose?

What will be the role of humans in a world dominated by robots and thinking machines?

There are many alternate scenarios for the human race but 2 contrasting scenarios could be:

Scenario 1: Robots dominate the world and humans are moved into reservations with no sense of purpose.

Scenario 2: Humans have a higher order purpose and will have an even more meaningful existence negotiating and interacting with robots.

Scenario 1 is a scary proposition and one we need to strategise into order to avoid becoming a reality.

We need to think about how Scenario 2 will be the norm and humans will co-exist with robots and thinking machines but still contribute to and be part of a meaningful world.

Humans will need to capitalise on their intuition, lateral thinking, feelings and emotions and delve deep into their souls and spirituality in order to enable peaceful interaction with smart machines and robots. The latter will be able to think in multiple dimensions as well as converse between themselves and arguably bring about a new world order devoid of the need for human beings.

The robotic world will however need mediators, issue resolution expertise, conflict resolution skills, reflection and a sense of well-being; all qualities that humans have and can bring to a mechanistic world.

Thus while the focus on STEM (Science, Technology, Engineering and Mathematics) skills is the current buzz, this will enable the creation of the ultimate thinking machines, and extend the meaningful purpose of humans for a limited time – probably till 2046.

Robots and thinking machines will think beyond humans and excel in the creation of mechanistic solutions for worldly problems – better than humans will in due course as the deeper levels of self programming will unleash higher order thinking machines.

Focus on the non-technical and arts skills as well as the esoteric creative skills, reflective innovation, well-being and happiness, mediating and conflict resolution skills and being in touch with the inner soul and spiritual sense of calm, will be key to humans still be able to contribute to the world in 2066.

Indeed life will be very different in 2066, but let us contemplate how humans will still be an integral part of that world and skill ourselves to be higher order beings with purposeful existence in the brave and challenging new world of the future.

Let the thinking begin.












But you are not Bill Gates…

The climb

“But you are not Bill Gates”. Those words were uttered by Arlene, my wife, three years ago  in April 2013 when I told her that I wanted to give up a successful life in the corporate world and pursue my new-found burning passion to work on “creating brighter futures” for others by working on social and community causes. Arlene followed her first statement with “And you do realise that you are now 60 and social and community work is a low paying industry”.

And so true Arlene’s words were.

We did not have wealth nor enormous savings, had all the mundane expenses of a normal household, four kids, and needed a flow of funds in order to meet the daily expenses of life. Added to this, although I had undertaken management and leadership programs in the social and community arena, I was still an unknown in that area.

Yet the desire to launch into this unknown but needy space defied logic. I considered the definition of “having enough” was relative. After all, I had lived in Africa and India, and remembered that wealth is a state of the mind. Material wealth can open doors, but if I was to make an impact in this new endeavor, I would have to improvise and think differently.

My measure of success would not be the well trodden ROI, but a new one – EPL (Enriching People’s Lives). Not dipping into savings would be a bottom line indicator – my KPI. The Business model and activities for the company I created (Business Transformation Solutions) would have to be self-sustaining with a growth target in order for me to continue on the mission. I quickly thought of the need for an “Earning, Learning and Giving” model as volunteering (“Giving”) my expertise in management, leadership, risk and strategy in the social and community field was going to be a key plank of the new life. “Learning” had to be an integral part of the offering as currency of expertise is critical. “Earning” had to ensure that the business was self sustaining.

I also knew that lifestyle had to be a key ingredient of the new career.

The emergence of the 3+1+1=10 Prosperity Model ( ) was the way I would conduct my newly chosen vocation and career.

Fluidity in thinking and adapting to the challenges that have to be confronted has been a wonderful learning experience and this shows that small business is deep into the VUCA (Volatility, Uncertainty, Complexity, Ambiguity- US Army War College, 1990’s ) world. The entrepreneurial skills that are gained through operating at this level  has been phenomenal.

Social media is such a boon to small business and has enabled spread of the purpose well beyond what was possible in past years. Networking (both e-networking and person to person) has been expanded through use of social media and technology and these are relatively low-cost investments for small business. Creativity and lateral thinking is facilitated through the new contacts made and the innumerable conversations over a cup of coffee, as there are so many people with brilliant ideas and also looking for new models of work and life.

Volunteering has amply nurtured the primary purpose of working in the social and community and been such a spark as well as lit new secondary purposes. This is a low-cost venture with phenomenal benefits. The gratitude from the organisations has been uplifting and the impact of giving ones skills to organisations doing extraordinary work globally means that your contribution to strategy, leadership and management is an enabler for the organisations to focus on their core purpose and excel in it. Learning through volunteering has been a two way interchange. In many ways, volunteering has enabled a one-person business to spread its contribution to the global environment through the organisation being served.

Earning will always be the key pain point for small business. Having a portfolio of offerings has ensured the revenue pipeline to be sustainable. Thus consulting, lecturing, and mentoring are key to gaining new business. The networks created through volunteering, social media connections and one-on-one meetings has enabled word of mouth marketing.

The 3+1+1=10 model fits so neatly into the Japanese “Ikigai” concept on the “reason for being” as it is the confluence of doing “What you Love, What the World Needs, What you are good at, and What you can be paid for”.

The 3+1+1=10 model is also an attempt in finding the “sweet spot in work and life” and in a microscopic way seeking a new work life paradigm in line with the “Gross National Happiness” concept that the former King of Bhutan, Jigme Singye Wangchuck, proposed in 1972 and promulgated for the State of Bhutan.

Indeed, it is a case of “But you are not Bill Gates..” but minor steps to make the planet a better place can be made by anyone with minimal outlays.

Our purpose needs to be “enriching the lives of others because we cared and did something about it” – even if is a tiny drop in the ocean. That must be our legacy.











Should the 5 day working week be consigned to history?


The origins of the 5 day working week trace back to the 1920’s when Henry Ford established the 5-day, 40 hour working week for his Model-T Ford workers (Mikael Cho,

Henry Ford instituted the change from a 6 day, 48 hour working week with the desired outcome to be one where, in his words,

“Leisure is an indispensable ingredient in a growing consumer market because working people need to have enough free time to find uses for consumer products”.

Almost hundred years on we are still tied down to the 5 day working week.

Is this appropriate for a world where population growth will far outstrip the number of job opportunities?

The current world population is 7.413 billion people (Worldometers, 4 April 2016) and growing by the second.

  • Will there be enough full-time work for those ready for the job market? 
  • Will there be exploitation of those who are unable to find full-time work through the explosive increase in the marginalisation and casualisation of labour, with little hope of them ever re-engaging in the full-time workforce?
  • Will there also be exploitation of those who are in full-time work with the result that the latter work far more than the 38 hour week with little breathing space to “smell the roses”?

“Japan is witnessing a record number of compensation claims related to death from overwork, or ‘karoshi’, a phenomenon associated with the long-suffering “salary man” that is increasingly afflicting young and female employees” (The Age, 4 April 2016, p.15).

Worker stress is on the rise and there does not seem to be a circuit breaker for the growing strains of working longer hours in order to hold on to jobs and meet the ever-increasing demands for increased productivity and the need to do “more with less”.

Technology has extended the working day to far beyond the traditional 9 to 5 as one is connected with work through smart phones and the like.

Leisure is often crammed into the 2 day weekend, with one of the two days being focused on home activities.

The Millenniums have got it right. Work needs to be balanced with having a good life, and doing this simultaneously.

Could there be a compelling reason to advocate for a three-day working week?

  1. With the increase in population, and the ever-widening gap between those with full-time work and those marginalised through casual work, there may be merit in reducing the working week to three days (or so) thus enabling work life balance for all and enabling at least two days or so full-time work for the marginalised.
  2. Society will be the better for enabling more people to engage in the workforce and having some guaranteed income for all on a weekly basis rather than creating an underclass of people.
  3. Governments have been grappling with unemployment and underemployment and one of the current employment definitions is “people …..who usually work one hour or more a week” ( Thus although the seasonally adjusted unemployment rate for Australia in February 2016 is 5.8%, the above definition clearly indicates that the underemployment rate is far higher. Going for a three-day working week may increase the probability of those underemployed to gain at least two days work per week.  
  4. Going for a three-day working week will enable companies to retain the very best staff as the new worker wants a balanced lifestyle– one where work with purpose is balanced with social and community causes, travel and the like. Millenniums and the generations to come will demand change.
  5. With innovations in technology such as robotics, smart machines and the like rapidly eliminating the need for labour, companies will need to think of ways to rightsizing their human resources and looking for ways to retain loyalty through innovative work life offerings. The 3 day working week could be an option.
  6. Baby Boomers may be quite content to reduce their working days in the twilight of their careers, thus enabling greater opportunities for Generation X and Y to take on higher positions currently held by the Boomers. A 3 day working week may enable this transition to occur. It also reduces the resentment often caused by generational biases towards older workers.
  7. Governments are increasingly finding it difficult to fund pensions for retirees and the pensionable age is creeping up. Hence, older workers find themselves needing to continue to work longer. The three-day week will enable older workers to still continue working and being less of a burden on government funds.

Human nature and the world of materialism and self-advancement however, imposes some barriers to this transition occurring. Working full-time is craved by most, and often society frowns on those who do not have full-time work.

There are no models to transition to, and hence a three-day a week model needs to be created that is viable, enables enough revenue to sustain the desired life style and also fulfils the need for a balanced life.

Change is needed and thinking about how to enable this transition from the current five-day working week will be inevitable.

Hence, in order to set the ball rolling, I have conceived of the 3+1+1=10 model and established Business Transformation Solutions on the 3 day working week model.

It is based on 3 days a week “Earning”, 1 day a week “Learning” and 1 day a week “Giving”.

It is a work in progress and is strengthened by my feeling that the days of the five-day working week are numbered.

Time will tell.

For further information on the 3+1+1=10 model refer to the website below: