Category Archives: My DN Travel News

Protect Your Debit Card from Online Fraudsters…or This Could Happen to You (True Story) [Lost & Re-Published Post]

This article was first published on this blog 3 months ago, on Friday 23rd May 2014 (see browser history screenshot below). Today, when I tried linking to it, to post a comment on Facebook, I got a “Page Not Found” error on my blog. A MySQL database check soon revealed it was GONE: “Yepa!”!

This article was first published on this blog 3 months ago, on Friday 23rd May 2014 (see browser history screenshot below)

But I suspect no foul play. It’s quite likely it “got lost” during the back and forth cross-database updates from my old to new hosts following the loss of Spontaneousdevelopment.com (my former, 9 year old domain name).

Whatever the case, here’s the FULL article republished.

But just before you read it, here’s my comment on recent newspaper reports on this theme, which made me want to link THIS article from Facebook in the first place:

Punch Newspaper Headline (27th Aug. 2014): Fraudsters shop abroad with cloned Nigerian ATM cards

This is not the first such headline I have seen. When I saw one for the first time few days after arriving Lagos, from Cotonou (2 weeks ago), I found report headlines like the above hard to comprehend.

But now it’s all starting to make sense.

For fraudsters to successfully clone ATM cards, they will need insider help. And my recent personal experience equips me to piece together key parts of the puzzle…

This is why despite picking up my new ATM/debit card on arriving Nigeria about 2 weeks ago, I’ve been VERY reluctant to put it to use for my international web hosting and other payments online.

You see, just few months ago, the previous (now expired) card from the same bank, which I’d actively used without issues for 3+ years mysteriously got hacked and an attempt was made to use it for shopping by one “Rabbi” in “New York”.

Luckily, the card was not directly linked to an account that had enough funds to cover the transaction. That was a due diligence precaution I’d proactively taken earlier in the year.

But these guys were persistent (and wretched!) as they kept reducing the amount charged to the card, till they took out the less than $13 USD balance left over in the linked account from the last domain name registration and web hosting payments I’d funded it for.

I never understood how my card got compromised, and my bank also had no answer. So I waited for my card to expire – and it did on 31st July 2014. Since then, I’ve been too wary to start using the new one!

Then I came back here (Lagos) and began reading newspaper reports claiming some bank staff have been implicated in using customer cards online…and I told myself: EUREKA!

See article I wrote to warn/alert others to the potential danger:

===Now go on and read below===

Protect Your Debit Card from Online Fraudsters…or This Could Happen to You (True Story)

If you use a debit/credit cards, you may want to read about this experience I had within the last 24 hours. Why? Because doing so could just help you avoid leaving yourself open to having someone drain out your bank account!

I spent yesterday morning corresponding via phone and email with my bank in Nigeria…

It had to do with 3 International Transactions on my debit mastercard by fraudsters.

They began by applying a charge of $218 fee to my GTB MasterCard.

Since I use a Blackberry, I saw the alert announcing “Transaction Declined due to Insufficient funding” as soon as it came in.

They began by applying a charge of $218 fee to my GTB MasterCard.

Luckily for me, the account linked to the card (which is the one I also use to make payment for hosting renewal etc) is one that I keep almost at NIL balance.

I chose to do this based on past experience when I inadvertently let my Skype subscription autorenew when I did not need it.

Otherwise, that attempt would have gone through – and these crooks would have gotten away with it.

A bank account officer called me yesterday evening to discuss what steps I could take, after I emailed a complaint to them,

A bank account officer called me yesterday evening to discuss what steps I could take, after I emailed a complaint to them,

We agreed that I would continue what I’d doing, by keeping funds NIL until I need to use it, then once loaded I make payment to return it to NIL status.

That way, the fraudster would stand no chance of getting funds out if they try again.

As explained above the first attempt (for $218 USD) did not got through.

What I did not know was that my last transaction had resulted in about N1,500 being left as balance!

After discussing with the account officer who called me from Nigeria yesterday, the crafty guys charged $9.51 and then $5 USD overnight (between 2 a.m and 5a.m) successfully!

After discussing with the account officer who called me from Nigeria yesterday, the crafty guys charged $9.51 and then $5 USD overnight (between 2 a.m and 5a.m) successfully!

You see, I did not know my last online payment had left a balance that much, otherwise I woudl have spent it.

Normally I try hard to use up any balance to the barest minimum by loading funds to a reseller account I run for my web hosting service. But my exchange rate calculation for $50 USD equivalent was off, and I ended up leaving some funds behind, that the guys took out.

They must have kept lowering the applied charge all night or soemthing, until it went through.

Each alert I got, I sent an email to the bank, requesting that they do a reversal.

My account manager replied my email this morning saying I should authorize the bank to block the card.

My account manager replied my email this morning saying I should authorize the bank to block the card.

The problem is that I have 2 web hosting clients I need to do renewals for in July.

A new debit card may not be ready for me to use before then.

So after thinking about it, I’ve decided I’ll pursue one of 2 options:

a. Continue with my strategy of keeping my balance close to NIL, until I need to make payment, then fund it and use up at once.

b. From discussions I had with a banker friend, I can purchase a virtual Mastercard I can make use of on a one-off basis.

The second option appeals to me more.

Interestingly, I used to do that about 8 years ago. And it was always a much safer way to spend online. I guess I should thank the fraudsters for pushing me to THINK of a better way!

In case you wonder, I still have no idea how they got my card details.

I’ve always tried to be very careful these past 4 years of using it.

I’m not sure if this was done by Nigerian fraudsters or not. But the location on the transaction notices has been in the USA.

Lesson you can take away: Beware of linking your debit card to an account that has a FAT balance!

It would be better to be safe than sorry. I never imagined this could happen to me, and it has. Plus, I found out nothing could really be done short of disabling my card. In other words, even your Nigerian bank cannot help you.

Compare the case of my brother in law who lives in the UK. He simply told his credit card company to back charge or reverse the charge when it recently happened to him.

But that did not mean he would not be able to use his card anymore. Or that he would have to pay to get a new one!

Which is what my bank in Nigeria has told me. Not very helpful is it…!

So, if you’re in Nigeria, or using a Nigerian bank’s card for online payments, it would be safter to AVOID this kind of problem altogether, by not letting it happen in the first place.

Onee again the message is: Beware of linking your debit card to an account that has a FAT balance!

Please pass this on!

 

Why I Convert Video/Audio Interviews & “Informal Narratives” by Other Experts Into Downloadable PDF/Slideshow Versions for EVERYONE – Tayo K. Solagbade

This new personal philosophy paper offers download access to four (4) useful PDF documents I recently created using videos, audios or informal “writing” originated by competent experts I reckon with. They are Efe Ohwofasa (UK), Patrick Meninga (USA), Richie Parker (USA) and Charles Ayo Dada (Nigeria).

The first 3 can be downloaded from www.tayosolagbade.com.

A. Breakthrough to Purpose – Andy Brine Interviews Efe Ohwofasa – Video

B. Ten (10) Valuable Lessons I Learnt About Blogging for Passive Income, from Yaro Starak’s 60 Minute Podcast Interview with Patrick Meninga 

C. NEVER Let Anyone Tell You What YOU Cannot Do! (Transcript Slideshow Version of ESPN’s July 21 “SportsCenter” Profile video about Richie Parker – the engineer born without arms, who designs championship winning NASCAR race car parts/components)

D. HOW I MADE MY FIRST MILLION AS A WRITER SELLING BOOKS…(A True Story About Potentially Traumatizing Sales & Marketing Dilemmas Book Authors Face in Nigeria) – narrated in a post by award winning writer – Charles Ayo Dadaon his Facebook wall on 18th August 2014.

Here’s a download link I setup on a 3rd party file sharing service for Charles’ great story: http://www.tinyurl.com/Charles1stMillionOK.

If the link fails, you can contact Charles via Facebook (www.facebook.com/charles.a.dada) for a copy.

Alternatively, you can email tayo at tksola dot com and I’ll email it to you as a PDF attachment.

“But why do I do it?” – many people are likely to wonder…

Why do I go out of my way to create these kinds of elaborate resources without being asked, and without seeking ANY kind of remuneration?

Is it to get publicity, or to get those I feature to notice me and give me jobs? What is my real motive?

  1. My main reason is that I want to help people discover proven techniques and strategies they can use to IMPROVE themselves in whatever area of endeavour they are engaged.

That’s why I call myself a Self-Development/Performance Enhancement Specialist & Multipreneur.

I have a passion that has endured for over 20 years (right from my days as a student in the University, through my time as a high flying employee in Guinness Nigeria).

My passsion is to help serious minded and results focused individuals develop and implement practical strategies to do what they do better.

Due to my versatility, and quick learning ability, I have over the years proven myself to be a valuable addition to the arsenal of any group or organisation.

So many people find me to be a useful resource because my active search for practical information about what works enables me add value to them.

Anywhere I go, whatever I see or read, my natural instinct is always to find ways to share it with others to help them improve their performance.

I’m the kind of person who cannot help HELPING others. I am naturally driven to be a catalyst. No matter who I interact with, I create the impression of increase.

People generally find that they leave me better off than when they meet me.

Most of my clients often get much more measurable value from interacting with me, than they pay for.

I work this way not because I want to be Pope, or because I’m a priest. I do so because I LOVE to see people make the best use of their God-given abilities to achieve their fullest potential.

NO MATTER what challenges they have to confront and overcome in life. And that is why I pick on videos and presentations of authentic achievers, whose messages convince me they are who they say they are.

Due to the challenges of poor connectivity in my part of the world, I realise many who desire to benefit from the wonderful video and audio presentations available online may not get ready access to them – except via text transcripts like those I create.

Click here to continue reading this PDF personal philosophy paper…

 

Selling Skills Development in Tayo Solagbade’s Personal Achievement Coaching for Kids (PACK)™ Project [Hint: Finding Buyers for Cakes Made Without Oven]

Tomorrow – Wednesday 27th August 2014 will be a BIG day for my 3 boys (9, 13, and 15 respectively). As part of my Personal Achievement Coaching for Kids (PACK)™ project, during their holidays, they now embark on “sales calls” to develop their selling skills, and learn to deal with rejection.

My kids have been making and selling these Pineapple peel based drinks and cakes since I taught them the production methods, and “pushed them” to try selling them to friends, in September 2013.

It soon occurred to me that this is a good formula for a micro business that anyone can start with very little money: Waste fruit peels as a zero cost key ingredient for easily reproducible low cost drinks and cake making! They sell these products to school mates, during break time.

Below are JPEG image versions of “flyers” they will take – in a presentation folder – with them.

In it, those they approach are requested to engage them by asking questions about the product and making them defend it, justify their price etc.

This is so they can  LEARN that getting money takes diligence, perseverance, integrity and commitment.

Flyer for the Selling Skills Development Project

 

Flyer for the Selling Skills Development Project

I am sharing this in the hope that others may feel encouraged to organize a similar project to EMPOWER THEIR OWN kids. – Tayo K. Solagbade, Lagos-Nigeria | 26th August 2014.

 

“There’s a world outside school that your child must be ready for, if she is to succeed. Because you arrived in it, before her, YOU are an expert in it, compared to her. If you truly love your child therefore, you can – and should – share YOUR EXPERTISE about succeeding in the world, to help her learn how to EXCEL in it. This book uses narratives of true life childhood experiences of a brilliant but wayward child, who later reformed himself, as a basis for offering practical tips and insights you can use. Don’t. I repeat: DO NOT…leave that role for her teachers to play, because they will seldom be able to do enough, compared to YOU!” – Tayo K. Solagbade | Best Practice Parenting Advocate™ & Location Independent Performance Improvement – Author ofKUKURU DANGER™ – 5 True Stories About the Adventures – & Misadventures! – of a School Age Child Trying to Find Purpose in Life”. Download a FREE 20 page PDF preview of the book fromwww.tayosolagbade.com/buy-kukuru.htm

 

Real Life Ration Formulation Demonstration Using Tayo’s Solagbade’s Excel-VB Ration Formulator (Based on data supplied by an Algerian PhD Student Enquirer)

Join my Cost-Saving Farm Business Ideas club & Get YOUR Ration Formulator software, Livestock Feed Formulation Handbook & Poultry Farm Manager software! Signup at www.iff.tayosolagbade.com

Join my Cost-Saving Farm Business Ideas club & Get YOUR Ration Formulator software, Livestock Feed Formulation Handbook & Poultry Farm Manager software!
Signup at www.iff.tayosolagbade.com

Yesterday, I uploaded the 3 part demo video (see below) I created using data supplied by the Algerian PhD student enquirer I mentioned last Saturday. Below, I share excerpts from the explanatory notes I then emailed him. If you own my Excel-VB Ration Formulator, or plan to get it, READING this post can help you greatly!

First Screenshot Demonstration Video of the Ration Formulator – Posted on YouTube on 27th Nov. 2011 [Over 53k views]

 

[NB: In case the videos are not clear enough, I’ve now uploaded ALL 4 clips of the much larger 4 part video to replace the ones below. Here they are…(the previous versions are still further down). Note that Video 2 of 4 and Video 3 of 4 are the MOST important ones you have to watch in order to fully understand how I formulated the ration]

New Video Part 1 of 4 – Ration Formulation using data supplied by an Algerian PhD Student Enquirer

New Video Part 2 of 4 – Ration Formulation using data supplied by an Algerian PhD Student Enquirer

New Video Part 3 of 4 – Ration Formulation using data supplied by an Algerian PhD Student Enquirer

New Video Part 4 of 4 – Ration Formulation using data supplied by an Algerian PhD Student Enquirer


The challenge I’ve had is that recent poor connectivity from providers out here makes it near impossible to upload the original videos “as is”. So I have to use conversion apps to reduce the sizes of my videos. Sometimes they turn out ok. Sometimes they don’t. When they don’t I do my best to upload the larger videos – IN YOUR SERVICE :-))]

Hi Hakeem,

Watch the 3 part video I’ve created showing how I formulated a ration using your supplied data below:

Note that I had to change the “comma” used as decimal point in your version of Excel to “periods” in my copy of Excel.

Click HERE to download a copy of the data.xls workbook containing the table I created and extracted data into.

 

Below: Screenshot of the app’s interface after the ration had been formulated:

Screenshot of the app's interface after the ration had been formulated
Screenshot of the app’s interface after the ration had been formulated

 

Like I told you, users must first understand how the app works, and then use it as recommended.

I deliberately showed the steps I followed from the very start, in a manner consistent with the instructions in the PDF (see pages 8 to 18 in particular) and annotated image guides I’ve sent you.

Click the links below to download the PDF guide and the annotated JPEG screenshot image guides:

File name = screenshots_RATIONFORMULATOR.pdf (place it in same location as the app)
A. guide-1-nutrient composition table.jpg
B. guide-2-Computing a Ration Formula Using the Excel-VB Driven App.jpg
C. guide-3-Error Handling to Ensure You Get Reliable Ration Formulas
D. guide-4-The App Generates THIS Print-Ready Pearson Square Formula and Diagram Page.jpg
If you wish, you can click the “STORE THIS FORMULA…” button on the spreadsheet, to load a stored formula that I already prepared, and try making changes to it, to get a feel for how the app works. 
NB: See 2 additional screenshot images (PNG) I created to support the 2013 upgrade version
E. rf-flyers1.png
F. rf-flyers2.png

You will notice from the copy of your workbook that I returned to you, that I appended my app’s ingredient table format to the bottom of yours.

Then I used a function to extract relevant data from your table to fill the table for the app. (NB: The app can be extended/customized to accommate ALL the other parameters you have in your table – if you request that be done.)

Having done that, I then copied the extracted contents, now in the format matching the app’s “update feed ingredients” table, and pasted it into the table in the app.

[NB: DO NOT delete the “Mixture” label from the description field in the ingredients table. It needs to appear in the drop down menu on the form, so you can select it when you’re using MORE than one protein source.]

Next, I used the main menu to navigate to the Ration Formulation Interface, and began using the in-cell drop down menu to choose the different ingredients I wanted to use in the ration.

See the videos for the rest.

Remember: The key to making successful use of the app is to follow the recommended procedure for using it. The video I have just sent you shows that. I have stored the formula I derived, so you can recall it and play around with it (see my demonstration of how to call up the stored formula using the “Store This Formula” button on the spreadsheet.

Then you should be able to try deriving the same ration by doing what you saw me do in the video. Once you get the hang of it, you can then decide to formulate a different ration. In the video, you will see what I meant by usign the Pearson Square to derive the quantities of key variable ingredients you choose that will yield the target protein you want.

But that only helps you get started. You post those derived quantities into the computation table fields for each ingredient, then begin making adjustments to accomodate other variable and fixed ingredients needed to make the complete balanced ration.

That is where the TWEAKING I referred to comes in.

The app is meant to be interactive. You make changes and check the results, then using your knowlegde of the ingredients nutrient composition, and your desired target values (min and max) for key nutrients, you will reduce some and increase some until you get the nutrient ranges you want in the final ration. Again, you see me do that in the video.

Note that this version of the app can be extended:

(a) to cater for ANY number of nutrients in the ration and

(b) to do Least Cost Ration Formulation

(c) to carry out other data analysis and reporting functions you may request.

The reason I’ve left the app “as is” is because I let the market guide my development efforts.

So far, very little interest has been shown by my buyers/clients/users to adopt, for instance, a Least Cost Formulating version when I’ve asked them.

So, even though I began work on it over a year ago, I’ve not put much effort into developing it further.

I’ll end by saying what I said in the video: This video demo using your data, is the best I can offer. If you’re still NOT convinced the app can help, you I recommend you continue searching online for a suitable alternative.

I wish you well.

With kindest regards,

Tayo

Hakim responded that he’d successfully followed my instructions and formulated the same ration I had done using his data – but the app was NOT what he wanted. See his email below…

Hakim responded that he'd successfully followed my instructions and formulated the same ration I had done using his data - but the app was NOT what he wanted. See his email

Here’s the response I sent him (Hint: I share this to let YOU – the reader – know that I was looking beyond Hakim)

Here's the response I sent him (Hint: I share this to let YOU - the reader - know that I was looking beyond Hakim)

My thinking was always that if he could have those challenges comprehending my offer, and the solution, then it would be in my interest to produce material to aid him, and others who may have a similar challenge.

Yesterday, I got a call from one of 2 new Farm CEO buyers based in Portharcourt, and I told him I would be sending him the link to THIS post, and also to the smarter videos I will soon have uploaded to Youtube.

I am sure more people will find it useful, and in the long run, the time and effort it will take me to “sell” to prospects will be greatly reduced!

No. 156: To Succeed, Always Count Your Blessings During Adversity (Hint: Would You Work At Your Best If Power Supply Was Erratic?)

I am not sure how many of you on my mailing list know what it feels like to endure YEARS of VERY erratic power supply on a daily basis from your country’s power company.

That’s what Nigerians in Nigeria endure daily.

During my visits to Ghana (in 2005) and Cameroon (in 1999 and 2001) most people did not believe that in Nigeria, a person may go WEEKS without power – even as his neighbor continues having it!

SCROLL DOWN TO READ FULL ISSUE

Click now to view the latest issue of Tayo Solagbade's Public Speaking IDEAS page

Publication: Weekly Public Speaking IDEAS Newsletter

Date: Monday 25th August 2014

No:156

Title: To Succeed, Always Count Your Blessings During Adversity (Hint: Would You Work At Your Best If Power Supply Was Erratic?)

Author & Publisher: Tayo K. Solagbade [Tel: +234-803-302-1263 (in Nigeria) or +229-66-122-136 (in Benin Republic) ]

Blog URL: http://www.tayosolagbade.com/sdnuggets

Archive (E-mail version started 14th May 2012): Click here to view

Archive (Blog version started 24th September 2011): Click here


Logo - Tayo Solagbade's Self-Development Academy

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NB: This newsletter is published every Monday. Point your browser to www.tayosolagbade.com/sdnuggets to read at least ONE new post added to my SD Nuggets blog on a different category from Tuesday till Saturday (sometimes even Sundays) in line with this publishing schedule :-)

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IMPORTANT NOTE: THIS newsletter is published online on the “reincarnated” version of my Self-Development (SD) Nuggets blog. I continue to put finishing touches to the content. If you encounter ANY bad/dead links, and you can spare the time, email it to me via tayo at tksola dot com. Thanks in advance :-)

View Tayo Solagbade's video tutorials and demonstrations on Facebook Productivity Tips, Web Marketing, and for his Custom MS Excel-VB driven software applicationsJoin the SD Nuggets community on Facebook.comConnect with Tayo on Twitter.comConnect with Tayo on Google Plus

No. 156: To Succeed, Always Count Your Blessings During Adversity (Hint: Would You Work At Your Best If Power Supply Was Erratic?)

I am not sure how many of you on my mailing list
know what it feels like to endure YEARS of VERY erratic power supply
on a daily basis from your country’s power company.

That’s what Nigerians in Nigeria endure daily.

During my visits to Ghana (in 2005) and Cameroon (in 1999 and 2001) most people did not believe that in Nigeria, a person may go WEEKS without power – even as his neighbor continues
having it!

Why am I writing
about this?

Well, it’s because I want you all to understand
the conditions under which all the news, articles, reports and resources
you find on my website were created daily – especially from back in 2005, when I launched my former primary domain: spontaneousdevelopment.com

Today, due to the fact that I’ve relocated to Benin Republic (which also enjoys healthy uninterrupted power!), I do not have to endure the same hardship of working under the noise and discomfort of an electricity generator.

That is, except when I visit Nigeria for extended periods, as has been the case over the past 2 weeks!

In contrast to the way I work in Benin Republic’s Cotonou, many times here in Lagos, I have to work using generator power because the lights are often OFF longer than they are ON.

As
you can imagine, since I earn my living by building software, websites
and writing articles – all of which require a PC/access to the net and
of course electricity, I have to find a way to progress work given me
by paying clients if I want to make profits.

To make matters worse, since last week, the lights that went out have NOT come back on again. As a result we have to run the generator much more often.

So you find many people out here have to own
generators and buy fuel into kegs for use in these generators EVERY
single day.

But that would not be so bad if the fuel was always available
– but it sometimes tends not to be!

Every now and then Nigerians find that fuel shortages
cause long queues to build up at the fuel stations! A long vicious cycle
that affects this nation’s productivity and wealth generation severely.

I still recall coming home some months ago, earlier in this year. I had to buy fuel into 4 small plastic coke bottles at the border, to take home with me!

This was because of a prolonged fuel scarcity that made it impossible for my wife and kids to get fuel to buy. Yet I needed to do some work that night on arriving the house. So buying the fuel at N140 per litre (instead of N97 per litre) became necessary.

For those of you who live in countries
where your power supply is regular, it is likely you have no large markets
for generators and “kegged” fuels.

I want you to know how BLESSED you
are, that your country works that way, and you REALLY NEED to be grateful for it
!

The money that
should be left over in a barber’s pockets out here at the end of each
day very often gets spent on generator fuel and maintenance DAILY whether
s/he likes it or not!

At your end, the cyber cafe owner never has to
quickly run down stairs to switch on his generator because power supply
has suddenly gone off, and users browsing in his cafe may lose their
work online!

Now, this epileptic (or completely unavailable) power supply problem has always been a
feature of our lives here in Nigeria.

In the past two weeks, I estimate that I have not had light
for more than four hours in ONE single day – and even that was NOT for
a continuous stretch.

It is always a case of ON, then OFF, then ON again.
If you don’t believe me, come on a trip to Nigeria and stay in a hotel
for a few hours.

I assure you that’s all you’ll need – just a few hours),
and like a Ghanaian friend who was here on official work some years ago,
you’ll quickly learn that what I say is true from hearing the hotel’s
standby generator go ON and OFF, then ON and OFF …again and again!

On a lighter note, in your country the first
word that a baby learns to say may be “daddy” or “mummy”!

But in Nigeria, the problem is so severe that one of the first “words” a baby may learn to say is “NEPA!” – which
is what our power generation company(National Electric Power Authority)
is known by – though they now officially go by “PHCN” – whatever
difference that has made.

Having said all the above, despite all these challenges and limitations
in MY socioeconomic environment, many Nigerians keep forging ahead in
their work.

Like most other Nigerians in Nigeria, who were engaged in formal business, I had no alternatives while here (before I moved to Benin).

So I gritted my teeth (figuratively speaking) and focused on finding ways to get what I had to do DONE faster and cost-effectively by improving DAILY, for well over a decade.

The fact that I actually grew my client base and even began attracting attention from foreign based prospects from as far as Asia, Europe and America, indicates that I made progress in spite of this major limitation.

How
did I achieve all that despite these debilitating challenges posed
by the unpredictability of my social environment?

The answer is that I knew (and know) “How to habitually deliver peak performances by getting
into and STAYING in “flow” or the “Zone”.
If you want to know what that means, and how you can learn to
do the same thing, Google that article title and read it.

Final Words

I’ll end by noting that even though I made progress using the above, while in Nigeria, I knew I could make even better progress if I change my environment.

Eventually, I followed the creator’s guidance to relocate to Cotonou, on 1st April 2011, from where I have since taken my work to a whole new level – as can be seen on
my website and mini-sites on Excel-VB Software Development and Cost-Saving Farm Business Ideas/Solutions.

My message is therefore that while you’re still unable to move to your preferred environment, resolve to make the most of what you have, where you are, like I did. The Creator who observes you will eventually lead you to discover and seize the opportunity that you need, like he did for me!

PS: In a Bid to Save Money, My Kids Have Learnt to Service the Generator Themselves

One more thing.

This power supply problem, I must say, has added some indirect benefits to my family. And I feel a need to highlight it, just to remind the reader that adversity often has some equivalent benefit that once can reap – if YOU pay attention.

When you’ve experienced severe lack of money like I did in the past, you come to see money as it should be seen: a guest that should be treated properly, so it stays LONG with you.

And that means watching your expenses and being frugal at all times. This made me detest the need to pay to have our little generators serviced by the mostly unschooled mechanics we called in every 2 to 3 weeks.

Each time I watched them at work, it struck me that they were teenagers like my first son. That told me he could also learn to do what they did.

So, whenever I came home from Cotonou, I began challenging him and his siblings to watch the generator mechanics at work to learn how to do what they did.

I told them to pay close attention so they could do it themselves.

And I promised to give them at least half of the money that would be saved if we no longer had to call the mechanics in: THAT of course got their attention!

As of today, 25th August 2014, they have not called in those guys for routine servicing of the generator for over a month.

Instead, each time it shows signs of faltering, my kids – the 15 and 13 year old boys specifically – (as I shared in a past article) take the generator apart, clean up the various parts, then re couple and start it: ALL by themselves!

And it’s working well.The way I see it, that’s one useful benefit my kids have derived from this nuisance of poor power supply.

At least they now have a set of real world relevant skills to add to their oven-less cake backing etc – that can open doors for them in larger society in future.

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CLICK HERE to get full details of what it takes to make yourself a true speaking business champion in Burt’s Boot Camp V: Inside Speaking Business Success Secrets

*************

Have a great week :-))

Get Burt Dubin’s Public Speaking Mentoring
for Africa Based Experts
(PDF…Click!)

www.tayosolagbade.com - Invite me to Speak FREE Anywhere in Africa...click here!

Tayo K. Solagbade*

Self-Development/Performance Improvement Specialist

*Sole Agent For Burt Dubin’s Speaker Mentoring Service In Africa

Mobile: +234-803-302-1263 (in Nigeria) or +229-66-122-136 (in Benin Republic)

http://www.tayosolagbade.com

Tayo K. Solagbade is a Location Independent Performance Improvement Specialist and Multipreneur (i.e. a highly versatile/multi-skilled entrepreneur), with a bias for delivering Best Practice solutions to

Farm Businesses and others.

Since 2002, he has earned multiple streams of income providing individuals and organisations with personal development training and coaching, custom MS Excel-VB solutions, web marketing systems/web hosting,

freelance writing services, and best practice extension support services (for farm business owners).

Tayo is the author of the Self-Development (SD) Bible™ and the popular Livestock Feed Formulation Handbook. He is also the developer of its accompanying Excel-VB driven Ration Formulator™ and the Poultry Farm Manager™ software.

He has delivered talks/papers to audiences in various groups and organisations, including the Centre for Management Development, University of Lagos, Christ Baptist Church, Volunteer Corps, Tantalisers Fast Foods

and others.

In May 2012 he was the Guest Speaker at the Centre for Entrepreneurship Development’s Annual Semester Entrepreneurial Lecture at Yaba College of Technology in Lagos.

On 1st April 2013, Tayo (who reads, write and speaks the French language) relocated to Cotonou, Benin Republic to begin slowly traveling across the West African region.

His key purpose is to deliver talks, seminars

and workshops on his key areas of focus and interest to interested audiences (Email tayo at tksola dot com for details).

In a previous life, before leaving to become self-employed, Tayo served for seven years as a high performing manager in Guinness Nigeria. He rose from Shift Brewer, to Training & Technical Development Manager, and then later acted in senior management roles as Production Manager and Technical Manager.

He is an Associate Member of the UK Institute & Guild of Brewing, a 1997 National Finalist of the Nigerian Institute of Management’s(NIM) Young Managers’ competition, a Certified Psychometric Test Administrator for Psytech UK, innovator of Spontaneous Coaching for Self-Development™ (SCfS-D™), and Founder of the Self-Development Academy Limited.

When he’s not amazing clients with his superhuman skills (wink), Tayo works as the creative force behind his Daily Self-Development Nuggets blog – on which he also publishes his Weekly Public Speaking IDEAS

newsletter(which he uses to promote Burt Dubin’s Public Speaking Mentoring service to experts working across the African continent).

You can connect with him on Twitter @tksola.com and Facebook.

Visit Tayo Solagbade Dot Com, to download over over 10 performance improvement resources to boost your personal and work related productivity.

====
[IMPORTANT NOTE:====

On 4th May 2014, Tayo’s 9 year old domain (Spontaneousdevelopment dot com), which hosted his website, was taken over by Aplus.net.

Within a few days however, Tayo used his advanced self-taught web development skills to build a SUPERIOR “reincarnation” of it the website http://www.tayosolagbade.com.

But updates are still ongoing to URLs bearing the old domain name in most of the over 1,000 web pages, and blog posts

he’s published.

If you experience any difficulties finding a page or document, email Tayo at tksola dot com.

Click “Tayo, What Happened to SpontaneousDevelopmentDotCom ?” to read a detailed narrative about how the above event occurred :-))

Here’s an article Tayo wrote, to inspire others to defy adversity, and bounce back to even greater reckoning at what they do EVERY time:

And he wrote the one below, to explain why losing a domain name, no matter how old NO LONGER determines your online success or otherwise:

A Proven Strategy to Find Profitable Buyers Regardless of Your Domain Name

==================

View Tayo Solagbade's video tutorials and demonstrations on Facebook Productivity Tips, Web Marketing, and for his Custom MS Excel-VB driven software applicationsJoin the SD Nuggets community on Facebook.comConnect with Tayo on Twitter.comConnect with Tayo on Google Plus

 

Useful Resources for Speakers

Burt Dubin works with people who want to be speakers, and with speakers who want to be masters.

Burt Dubin works with people who want to be speakers, and with speakers who want to be masters. Click here to visit his website NOW and submit a contact form message telling him what challenges you’re facing, and how you’d like him to help you. Tell him I sent you, and you’ll get a pleasant surprise offer from him.

Burt Dubin’s monthly Speaking Biz Strategies Letter [Signup & get a 7-Part Email Course on “How To Succeed And Get Paid As A Professional Speaker“]

Get Burt’s mentoring at any of the 3 levels below:

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Publications

On Being a Master (PDF)...A Gift from Burt Dubin - Click now!

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Showmanship Strategems

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Burt’s Flagship Album

This is the product to own if you can own only one. Why? Because in it you discover principles of platform mastership available to you nowhere else at any price.

You hear performance strategies you can emulate. You shorten your learning curve. You see ways to engage and delight audiences with both content and stories . . . plus you experience a bit of fun.

With its Money back if not delighted Guarantee hardly any are returned.

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Presentation Magic - Speaking Business Success

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A live example, including a complete audio recording of a program Burt created from scratch–on a topic he knew nothing about and never, ever presented before! See how you, guided by your personal Learning Guide, (Presentation Magic), can do this too and thrill audiences as often as you want.

Presentation Magic Manual with new pages added plus 3 audio CDs.

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ProgramManual

How To Create a Great Program Manual

Discover how you can produce a precious memento of you and your program. Capture over 44 model pages you can easily adapt for your use. Engage proven principles that add value to the experience of sitting at your feet and learning from you.

This is a reprise of the historic presentation that launched the Speaking Success System.

No copy of this 2 CD program and 50 page Learning Guide has ever been returned.

more information


 

Smart Exercising Will Keep You Fit, Healthy and Alive - Click to read
Click to read article titled: 'Smart Exercising Will Keep You Fit, Healthy and Alive'...and ONE other. Self-Development/Performance Enhancement Specialist - Tayo Solagbade - works as a multipreneurial freelance writer providing zero risk article and report writing support for website owners, while travelling slowly across West Africa as a Location Independent Multipreneur. 

 

Using MS Excel® Solver for Least Cost Feed Formulation Can Be Easy - But Also Dangerous (How to Protect Yourself) - Click to downloadDownload above PDF

NEW PDF - 10 Frequently Asked Questions About Feed Formulation

Download above PDF

NEW: Your Practical Feed Formulation (& Compounding) Home Study Video Series Is Now Available

NEW: Your Practical Feed Formulation (& Compounding) Home Study Video Series Is Now Available

Click here to learn more

FREE TALK: How a Best Operating Process Management Sysem (BOPMS)™Will Earn Your Farm MORE Profits!

FREE TALK: How a Best Operating Process Management Sysem (BOPMS)™Will Earn Your Farm MORE Profits!

Download above PDF

FREE TALK: 3 Zero Cost Strategies to Attract Profitable Buyers for Your Farm Products!

FREE TALK: 3 Zero Cost Strategies to Attract Profitable Buyers for Your Farm Products!

Download above PDF

NEW: Coaching Program for Farm Products Marketing Success

Tayo Solagbade's Coaching Program for Farm Products Marketing Success (Verbatim Text Transcript of Introductory Video)

THEY WROTE…


“(Tayo Solagbade) is amazing and I think he is going to produce some impressive results online…” – click here to read full comment by Patrick Meninga (US based 6 figure income blogger who gained fame for building a $2,000 per month adsense website and selling it for $200,000).

—————————–

“Tayo, I honestly believe you are one of those who will succeed at anything he does. Your commitment and effort has been outstanding….Thanks for all your hard work since I’ve been here – you will be sorely missed. I don’t need to wish you good luck, you have the ability to make your own luck. – Andy”(R. Jones)*

*Operations Manager, Guinness Nigeria Plc Benin Brewery, December 2001 (Handwritten comments in farewell/xmas cards sent to Tayo Solagbade following his resignation to start his own business).

———————–

Click here to contact Tayo… 

SD Nuggets Blog

New posts from last week that may interest you! *
Public Speaking[Monday]:

Entrepreneurship[Tuesday]:

Self-Development [Wednesday]:

Entrepreneurship[Thursday]:

General [Friday]:

Writing/Blogging/Entrepreneurship [Saturday]:

Want me to write for you? Click here to send me a message

 

Use Prospective Buyer Requests to Beef Up Your Marketing Portfolio (Hint: Features All In One User Guide for Tayo Solagbade’s Excel VB Ration Formulator)

At about 8pm this past Wednesday(20/08/14), I had a 10 minute phone conversation with Hakim, an Algerian Phd Student who’d contacted me (from Algeria) via my website about my Ration Formulator. By the end of the call, I sent him a 3 day time limited demo of the app, for him to test run. However, 24 hours later, he replied that he could not formulate a ration.

That was unusual. But I seized the opportunity to prepare additional comprehensive notes with links to all my demonstration videos, PDFs and annotated JPEG images for the Ration Formulator.

This article now offers a verbatim version of the notes I sent to Hakim – for use by others who may be interested in the Excel-VB driven Ration Formulator.

Hakim.
Thank you for your message.
I took my time to deliberately interact with the copy of the app’s demo I sent you, JUST to be sure it works OK.  And I can confirm that it does.

So I ask: 
Did you download and unzip, then CAREFULLY read the through the 4 large JPEG diagrammatic step-by-step guides I sent you?

If YES, you should not have a problem using it, because they contain easy to follow instructions of how to use the app. 
You must keep in mind that you need to FIRST understand how the app works BEFORE you can make successful use of it. 

My Ration Formulator has been sold to buyers within and outside Africa since 2004. It has evolved to incorporate improvements that make it Excel-novice proof and VERY user friendly, based on feedback from past buyers.
Therefore what you got is actually a superior version of what I began with a decade ago.

It does NOT matter how you know how to do ration formulation. (You cannot enter formulas or modify formulas in my app. There is no need to. Simply post your data and use the controls provided to generate the formula you want.)

What matters is that you give the app what it needs to generate a ration formula you want.  Then if you want to check if the app’s result is CORRECT, use YOUR OWN method of deriving ration formula to DOUBLE CHECK and verify if what the app gives you is CORRECT or not.

This is what many other buyers have done, and even used to evaluate ration formulas given to them by university professors – with success!

However, my over 2 decades of experience developing apps for use by busy, working adults, who often are pressed for time, has taught me to make my user guides as easy to comprehend as possible. 

And I also learnt to present the user guides in as many different formats as possible. The ones I sent you are the ones most people used to make up their minds in the past.

In light of the challenges you seem to have getting up to speed with using the app, I refer you to ALL of the guide resources now…

1. VIDEO TUTORIALS/DEMONSTRATION: 

The following videos detail the sequence of steps to follow in order to use the app successfully, and correctly.
Pay careful attention to what is demonstrated, then use what you learn.

A. Starting up the app
https://www.youtube.com/watch?v=z8B1yX8e-GY

B. Updating the feed ingredients table
https://www.youtube.com/watch?v=xwm2evN7x50

C. Computing Feed Formula
https://www.youtube.com/watch?v=5YWbqmh0MpA

2013 UPGRADE version – In January 2013, I sent out FREE copies of the improved version of the app, with features demonstrated in the videos below. Those features also appear in the PDF and JPEG images attached to this email. 

D. Free Upgrade version that Stores and Exports Your Derived Formulas
http://www.youtube.com/watch?v=99xm1EQJJdo

E. Free Upgrade version that Enables Ration Formulation 7 Additional Rows of Feed Ingredients 
http://www.youtube.com/watch?v=ChaF2MP0zEk

The above videos are found in my Youtube channel at:
youtube.com/user/TKSolagbadeSDAc

2. Detailed 20 page PDF User Guide Document: See attached to this email

File name = screenshots_RATIONFORMULATOR.pdf (place it in same location as the app)

http://tayosolagbade.com/sdnuggets/wp-content/uploads/2014/08/screenshots_RATIONFORMULATOR.pdf

3. ANNOTATED SCREENSHOT IMAGE GUIDES

If you did NOT download them using the 2nd link in the email I sent yesterday, find them attached as individual files to this email as follows:

A. guide-1-nutrient composition table.jpg

http://tayosolagbade.com/sdnuggets/wp-content/uploads/2014/08/guide-1.jpg

B. guide-2-Computing a Ration Formula Using the Excel-VB Driven App.jpg

http://tayosolagbade.com/sdnuggets/wp-content/uploads/2014/08/guide-2.jpg

C. guide-3-Error Handling to Ensure You Get Reliable Ration Formulas

http://tayosolagbade.com/sdnuggets/wp-content/uploads/2014/08/guide-3.jpg

D. guide-4-The App Generates THIS Print-Ready Pearson Square Formula and Diagram Page.jpg
http://tayosolagbade.com/sdnuggets/wp-content/uploads/2014/08/guide-4.jpg

If you wish, you can click the "STORE THIS FORMULA…" button on the spreadsheet, to load a stored formula that I already prepared, and try making changes to it, to get a feel for how the app works. 

NB: See 2 additional screen shot images (PNG) I created to support the 2013 upgrade version

E. rf-flyers1.png http://tayosolagbade.com/sdnuggets/wp-content/uploads/2014/08/rf-flyers1.png

F. rf-flyers2.png http://tayosolagbade.com/sdnuggets/wp-content/uploads/2014/08/rf-flyers2.png

Note that you have to understand the requirements for making successful use of it. And those are explained in the video as well as the JPEG image guides and also my PDF screen shot tutorial guide.

If you DO NOT take the pains to patiently study the various guides and understand how the app works, and how you are to use it to get the desired ration formula, you will encounter difficulties.

However, if you still need help, I offer you a SECOND OPTION below…

While you do the above, you can also take me up on the offer below. Your choice…

If you wish, I am prepared to get ANY data you have from you, and record a video in which I use YOUR supplied data to generate a ration formula for you. 

In other words, you can tell me what you wish to achieve (say you have your own ingredients with their respective nutrient compositions, and you want to derive a ration using those materials with a particular protein content %, Energy content etc. 

Simply send me ALL the data you wish to use in deriving that ration formula, and I will record a video of myself posting the data you sent me into the app, and then go on to demonstrate how to use the app, working with YOUR data posted into it, to generate the ration formula. 

Of course, we will be assuming here that the data you send me will include ingredients with the right combination of nutrient values to enable derivation of the desired ration formula. 

Note that if you choose to have me do the above, I WILL subsequently put up the finished video on my channel (and website) for others to watch, so they can learn. 

If this additional option appeals to you, send me the data required to make it happen, and I’ll get back to you within 24 to 48 hours with a link to the new video, and I will also email you a spreadsheet containing the final ration computation table generated. 

FINAL WORDS: I always support all my buyers to make successful use of my products.

So many people have purchased this app, and I maintain contact with most of them till this day. 
Many actually call to discuss alternative cheaper ingredient types they can use in formulating rations with my app.

In other words, it works for them. It will work for you if you take the pains to learn how it works and use it as recommended.
Like I said above, if that option interests you, send me your data and I’ll do a recording showing how to use them with my app.

With kindest regards,
Tayo

PS: If it happens that you have specific additional needs that the app does NOT currently cater for "as is", that would be a different matter. In such a case, I offer a development service to "extend" or "customize" the app to more than it currently does, or to do what it does differently to suit a buyer’s peculiar needs.

PPS: In anticipation of the possibility that some other prospective buyer in future may have similar challenges to yours, excerpts from the above email to you will be published as a new article on my blog. And I’ll subsequently email the link to such a person to read and act upon. This is why I NEVER find it hard to invest quality time and energy to address requests for information/support from anyone. 99% of the time, I end up better off, because I come away with NEW and USEFUL content to offer on my website. 

Do let me know if you have any further queries.

Hakim did get back to me with a workbook of his data yesterday…Friday 22nd August 2014.

This afternoon I created a detailed 3 part video demonstration in which I used his data to formulate a ration towards set of target nutrient values he specified.

I will be uploading them tomorrow after which I will email him the links and publish a blog post with the videos on this blog.

As you can see, I’ve used this exchange with Hakim to begin creating an additional library of useful resources to further promote my Ration Formulator to new buyers.

This approach is what I have always used, with great results to show, over the past decade.

To succeed at what you do, I recommend you adopt a similar strategy.

To Succeed, Study and Persist in Creatively Emulating Authentic Achievers!

"There are no quick wins in business. It takes years to become an overnight success." – Richard Branson.

Since 2002, when I began offering unconventional Excel-VB (& other solutions) in Nigeria’s difficult socio-economic enviroment, I’ve grown my success by creatively applying ideas advocated by Richard Branson, and other authentic achievers.

Especially useful has been his "David vs Goliath" philosophy!

It gave me the confidence I needed to strike out on my own, with my unique brand of smartly priced, yet high profile products and services.

And it has repeatedly enabled me "out market" and "out perform" bigger rivals to win profitable clients/buyers…without needing to spend big. In fact at zero cost sometimes!

I must stress however, that the key to profiting by learning from those who have succeeded (like Branson), is to be willing to CREATIVELY adapt what you learn to suit what will often be your UNIQUE needs.

That is what I have done, and continue to successfully do – in both my personal and work lives. And I have ALREADY begun coaching my kids to emulate me.

"Focus on long-term progress, rather than rapid growth, and you’re more likely to go the distance." – Richard Branson

Learn more on the above theme from THE master himself – Sir Richard Branson in the article linked below titled "Business is an Endurance Race"

http://www.virgin.com/richard-branson/business-is-an-endurance-race

Below is an image flyer that announces the impending launch of a new range of information products I’ll be putting into the market based on the above.

Photo taken: Wednesday 23rd July 2014 outside a little cafe I periodically work from in Benin Republic’s Cotonou.

Photo: Tayo K. Solagbade - I took the above photo just after completing web marketing projects for 2 new clients in Cotonou: a 22 year old private university & a start-up multidisciplinary consulting firm.

I took the above photo just after completing web marketing projects for 2 new clients in Cotonou: a 22 year old private university & a start-up multidisciplinary consulting firm.

Then I checked myself into a hotel to finish off editing and proof reading my new book (Kukuru Danger™: get FREE 20 page PDF preview from here).

2 weeks later, on Thursday 7th August 2014, I arrived Lagos, in Nigeria, to – among other things (like spending time with my family) – fulfil orders placed by 2 Farm CEOs based in Portharcourt, for my Excel-VB driven Ration Formulator.

(Hint: They’d NOT wanted email download links sent to them, and instead paid for courier delivery of the DVD version. I help such buyers save over N6,000 in courier fees by crossing over to dispatch packages from Fedex or DHL offices in Lagos).

Since getting here in Lagos, I’ve continued working on a new Web Marketing System I’m building for an Ota-Ogun State based NGO client.

Soon, I’ll return to Cotonou…

It’s so EXCITING to be able to earn income regardless of my location!

I AM living my dream.

And I NOW offer to help YOU (& also YOUR kids) do the same!

This article, and the image flyer above are precursors to the launch of my Personal Achievement Coaching (PAC)™ Program’s “Learning Products” – STAY TUNED!

If you’d like to learn more about the program or wish to invite me to deliver it to your Parents Teachers Association, members of your School’s Administration Team, for students or other groups, click here to send me a message.

Acquire Self-Development skills. Create The Future You Want™ – www.tayosolagbade.com

Speaking & Acting With Self-Confidence Does NOT Make You Arrogant!

I’ve been accused of being arrogant several times – especially during my startup years. Some "critics" actually said MY arrogance was why I struggled in business back then. They told me to "humble" myself, so I could be "elevated". I laughed at such suggestions back then. And I still do today. Here’s why…

As a student of authentic success achievement, I have ALWAYS known that success achievement has little to do with such misguided sentiments!

Indeed, based on extensive reflection, I have come to realize people often said these things to me, because they were NOT comfortable with the self-assured manner I spoke about my intentions and achievements.

Here’s the answer I always gave (and still give!) to those who accused me in this manner – whether to my face, or behind my back: 

"I do not interprete speaking/acting self-confidently, the way I do, as arrogance. I speak/act that way because I KNOW who I am, and what I can do – if given a FAIR and IMPARTIAL opportunity, or what is called a LEVEL playing field, where there is no cheating (i.e. "Ojoro" or "Magomago"), or bad belle, or booby traps!"

Back when I was a high performing employee in Guinness, I routinely and repeatedly set numerous personal and work related goals, which I fearlessly told others about.

And in virtually all cases, though sometimes after repeated failures, I achieved ALL OF THEM.

How come? 

Well, it was mainly because I worked in an environment that was relatively (though not totally) devoid of devious manipulation by those with ulterior motives.

Back then, any biased, envious people, who thought I was "arrogant”, did not have the means or resources to throw logs in my paths.

Neither could they set booby traps that could have created an unfair and impartial atmosphere, which could have limited my ability to achieve.

And that was why the head of the Guinness brewery I worked in, who had known me for less than 12 months, came to believe so greatly in me.

So much so, that he made very positive & flattering comments verbally, and on paper about me during send-forth ceremonies, after I quit my job to go into business for myself.

Among others things, he wrote that he honestly believed I was "…one of those who will succeed at anything he does".

He also wrote that he did not need to wish me good luck because he believed I could create my own luck!"

Wow. I’m sure you will agree that he must have seen me achieve some impressive results, in spite of obstacles I faced, to make him so SURE about me!

Consider this: Mohammed Ali was not arrogant. He was self-confident about his abilities, and was NOT shy to say so to anyone, anywhere, at anytime.

Ali was not into the business of massaging egos! He always spoke his mind and without apology to anyone.

For this reason, the press nicknamed him the "Louisville lip".

But guess what?

Americans did not punish him for being himself.

Instead, they challenged him to PROVE himself, and provided a fair and impartial opportunity for him to do so. Today, he is a living legend, known and loved by many, the world over.

Every time I think of Nigeria’s Bash Ali, who has earned himself international laurels in boxing at an age when others have retired, I wonder what Nigerians are waiting to see before they can celebrate him.

On one occasion, when he appeared on TV, some individual phoned in to tell Bash Ali that he was "too arrogant; needed to humble himself; and should "give his life to Christ" etc.

I could not help asking:” What on earth was THAT about?!"

In Nigeria today, one has to endure exposure to all that negativity in order to still achieve one’s goals.

Nigeria is a country where all manner of "will-thwarting" wonders occur. As such you can only begin to imagine how daunting a challenge it is to live in it and try to excel without cutting corners!

ONLY my indomitable will, and hunger to achieve, helped me survive so many attempts made to "pull-me-down" over the decade I was based in Nigeria, as a self-employed professional.

I have had relatives set me up, and then withdraw from an agreed arrangement when they knew I was most vulnerable.

I have even had a client use my name (without my knowledge) in a manner that cast me in a negative light on the Internet.

It took me over 2 weeks to get him to remove the offending document after I discovered this abuse by accident, while surfing the net.

Yet, in spite of all the above, I have today established myself as a reliable service provider in my areas of entrepreneurial focus – and it shows in my constantly growing client base – and increasing client profiles!

I should add that my success has grown even faster in the last 17 months, following my decision to relocate to Benin Republic.

The irony of it all is however the fact that over 90% of my buyers/clients today are persons based in Nigeria, who readily send payment to me, without knowing me in person, or meeting me in the flesh!

In essence, my supposed "arrogance" has not stopped those who truly need the SOLUTIONS I offer from hiring, and paying me handsomely!

NB: This article is based on Tayo K. Solagbade’s original write-up which was first published online on 16 February 2010 via his 9 year old former primary domain name – www.spontaneousdevelopment.com.

Proven Strategy for Making Your Business Idea Investor Friendly

I recently read an appeal posted as a comment by a young MBA student on a millionaire’s Facebook page, asking the latter to consider investing in a business idea he had. My heart went out to young man, because I knew he needed to be told a (potentially) painful truth.

The harsh truth: It will often be best to start where you are, with what you have!

Don’t get me wrong. If there is a chance of getting a millionaire to buy into your business vision, by all means go ahead.

However, do NOT (and this is important) make the mistake of assuming that without some money bag backing you, success will be impossible.

Here’s why:

In reality, persistently harsh times make it much harder to raise funds today, than used to be the case.
Those who are millionaires or money bags, often built their fortunes by making smart investment decisions. This means they will naturally be on the lookout for proven and reliable opportunities to invest in.

It is very likely that just as you’re asking him/her, others are also asking THAT same "millionaire" to invest in their ideas as well!

People tend to get so self-focused, that they forget this.

Just as YOU are asking THAT money bag (or potential investor) to put his/her money in your new venture, so many others are most likely asking the same of him/her at the same time!

The question to ask yourself is this: Have you carefully reviewed your offer to be sure the potential investor will be convinced choosing yours will yield worthwhile returns on his/her investment – compared to others?

Sentiment tends to make many who seek funding blind themselves to doing an objective appraisal of the useful value their business ideas can deliver.

And this is often the reason many of them get frustrated due to inevitable rejection by those they approach.

A useful strategy: Go out and demonstrate what you can do FIRST, before seeking support

This is the approach I have found from experience works best.

And if you truly believe in your idea, you will have NO problems investing the time and effort needed to try implementing it on your own.

I say this as one who started out in 2002 with funds from my last job, and lost it all within ONE year due to lack of experience, despite my passion and education. But persistence and determination kept me going, in pursuit of my vision.

I drank from the wells of wisdom of many successful entrepreneurs (locally and internationally) who chose to share what they knew. With time, I gained powerful experience based insights that led me to discover ways to attract others to GLADLY put down their money towards execution of plans and projects I conceived.

Today, over a decade later my success not only continues to grow, but I now also share what I’ve learnt with others who seek similar insights.

And that brings me to the main message I have for you. It has to do with getting the capital you need to achieve your valued goal.

You see, I’ve discovered that one can always get the funds one needs, if one is willing to put in time and effort required.

Taking action to begin on your own actually tends to inspire confidence in the minds of those who may have the means to support you. It would assure them you truly BELIEVE in yourself, and your dream.

That can often convince them that you are WORTHY of support.

I gained the above understanding by reading the powerful words of authentic achievers like Dan Kennedy and James R. Cook – both millionaire entrepreneurs who have written bestsellers sharing their success secrets.

Kennedy is the author of "How to Succeed in Business by Breaking All the Rules: A Plan for Entrepreneurs" – among others.

Cook is the author of "The Start-up Entrepreneur (How You Can Succeed in Building Your Own Company" – a New York Times Bestseller.

Hint: Google will tell you more about both men, and their excellent books. But you can also read issue Issue 155 of my weekly newsletter(click), in which I say a little more about Dan Kennedy’s book.

Final Words: What I have advocated above is not new…

No it’s not.

In fact, a growing number of people are accepting it as a realistic way to achieve their business financing goals.

That’s why, for the young MBA student (mentioned at the start of this piece), I was not surprised to read at least 2 persons who posted responses advising him to do what I’ve proposed above.

i.e “start where you are with what you have, to get some essential experience under your belt FIRST”.

Today, you are unlikely find investors with itchy fingers eager to pump money into a venture you propose to them.

Instead, you will need to take diligent personal action to record results that inspire enough confidence in any person(s) you approach.

Hopefully, he will heed the wise counsel they’ve given him. Especisally if the millionnaire’s response does not come as and when he’s expecting it.

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