Category Archives: Recommended Websites & Articles

[Recommended] Why Nigerians Hate Igbo – by Chinua Achebe

When I saw the thought provoking Facebook post/query (shown below) by Joe Ibekwe, I instantly recalled the words of Chinua Achebe in the last book he gifted us before passing on.

joe-igbos-hate

However, a quick check in my travel bag soon revealed, to my dismay, that I’d left my well read Copy of Achebe’s “There Was a Country” back in Cotonou.

Out of desperation, I Googled to find reviews or commentaries on the book that may have highlighted the sentiments expressed by Achebe, that I felt held the answers Joe (and others seeking insights) would appreciate.

I was not disappointed: I found EVERYTHING I needed – and even more…bless the Google team for making and keeping this search engine so powerful!

So much so, that I have NO need to add anything else.

Instead, I simply invite any persons interested in getting accurate answers to the excellent poser by Joe, to read Chinua’s words on the pages linked below:

Why Nigerians hate Igbo, by Chinua Achebe.

Let me note here that I’m Yoruba, but my LOVE for the positive attributes of the average Igbo person has NEVER been hidden.

Articles (like this one) on this blog provide verifiable proof of the fact that I admire those qualities in them and admonish other Nigerians and indeed Africans to emulate them.

Yet, even I have noticed certain shortcomings that characterize majority of them.

My respect for Chinua Achebe’s honesty and his capacity for balanced reasoning grew exponentially, when I read his words below, in which he identified certain Igbo tendencies that often make others despise them – in spite of their many positive attributes.

Here’s how Nigeria’s The Nation newspaper captured it in “Why Nigerians Hate Igbo – by Chinua Achebe”:

Achebe, however, saved some criticisms for his kinsmen. He criticised them for what he described as “hubris, overweening pride and thoughtlessness, which invite envy and hatred or even worse that can obsess the mind with material success and dispose it to all kinds of crude showiness.”

He added that “contemporary Igbo behavior(that) cab offend by its noisy exhibitionism and disregard for humility and quietness.”

Judging from my personal experiences as a conscious thinking adult over the past 30 years in paid and self-employment, I believe Achebe’s criticisms are spot on!

I honestly believe that if the average Igbo person minimizes display of any of the negative tendencies highlighted by Chinua Achebe, s/he is likely to experience little or no friction with most people from other tribes or cultures s/he encounters.

Let it be known however, that I speak primarily for MYSELF (and maybe others who think like me) and not for the generality of Nigerians, talk less Africans.

Many thanks to Joe Ibekwe for bringing this up. My half-Igbo kids are sure to benefit from the useful insights that this exercise will expose them to (Yep: I’m printing copies for them to read)!

Related Articles

1. “˜There Was a Country’: a review of Chinua Achebe’s Biafran memoir – By Ike Anya

2. Chinua Achebe reflects on Biafra, but for whom?

3. Igbo, Yoruba at war over Chinua Achebe’s criticism of Awolowo in new book

4. Succeeding Through Hard Work, Determination and Persistence: 3 Lessons from Nigeria’s Igbo Traders

PII 051: One State of Mind You Need to Defeat Adversity

In last week’s issue of my Performance Improvement Ideas (PII) newsletter, I talked about how you need to share your vision with others. How you need to infect other people with your enthusiasm and insights.

Now, in this issue I’m going to talk about poverty.

I’m sure many who read the above will wonder what I mean by that.

Well, I’m talking about poverty in material terms, in financial terms and also poverty in terms of your psychology or psychological makeup.

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Tayo Solagbade's Performance Improvement IDEAS(PI Squared) Newsletter

Tayo Solagbade’s
Performance Improvement
IDEAS
(PI Squared) Newsletter

Monday 29th January 2017

Logo - Tayo Solagbade's Self-Development Academy


NB: This PI Squared newsletter will be published weekly, on Mondays, in place of the Speaking/Web Marketing IDEAS newsletter, starting from today – 15th February 2016.
I’m reinventing my Monday newsletter content and theme, to accommodate my vision of serving the growing audience of serious minded individuals and organizations reaching out to me, with information, education. news and research findings designed to help them do what they do better.

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

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 PlusConnect with Tayo on LinkedIn.com

PII 051: One State of Mind You Need to Defeat Adversity

In last week’s issue of my Performance Improvement Ideas (PII) newsletter, I talked about how you need to share your vision with others. How you need to infect other people with your enthusiasm and insights.

Now, in this issue I’m going to talk about poverty.

I’m sure many who read the above will wonder what I mean by that.

Well, I’m talking about poverty in material terms, in financial terms and also poverty in terms of your psychology or psychological makeup.

With regard to the latter, you can have a poverty of ideas, or a poverty of self-esteem.

So poverty can manifest itself in many shapes and forms.

However the primary kind of poverty I refer to here is the poverty in financial and material terms.

Consider the following for a moment…

Think about any area of Endeavour you know in any part of the world you are aware of.

Have you noticed that some of the most amazingly successful people the world has ever seen are people that came from backgrounds in which they had to endure what you might call crippling visitations of poverty, often from the very early stages of their lives?

Ever noticed that?

Think about some of the most successful people you’ve ever heard of, who have made this world what it is. People who have become high level achievers in various areas of Endeavour.

You’ll find out that a large majority of them were exposed to severe forms of adversity very early on in their lives.

In other words they came into the world, and were probably born into poverty (I mean materially and financially) and had to learn to hustle at a much earlier age in life than most other people of their age, background, culture etc – especially those from the middle income and upper social classes.

So they were people born into a situation of perpetual lack, characterized by shortages of basic necessities and a chronic absence of most things resembling conveniences or luxuries of life.

Having to grow up seeing other people not suffering like they did taught them to grow up learning to fight to get what they wanted, so they could also have the nice things they desired.

People who have had to live like that, very early in life in particular, tend to grow up with a near insatiable urge to make the most of themselves using the often severely limited means and resources available to them.

That’s why we find that some of the best footballers – indeed sports persons – in the world, came from backgrounds of extreme poverty.

A good example is the legendary Pele from Brazil. I’m sure you can think of others.

Consider other fields or vocations and the trend is readily apparent. You find that some of the most authentic achievers in the world, who changed our views of what could be called impossible by the achievements they recorded in spite of great adversity, were people that came from poor backgrounds.

When they are interviewed, most will say things like:

“I had no shoes”

“I only had one set of clothes.”

“I was always hungry, had to go without food”

“I had to sell newspapers to make ends meet”

In other words, they were people that were driven by their circumstances!

Life dealt them a harsh hand from the start, and they had to claw their way out of the hole of hardship and suffering into success and fulfillment.

They were people that never had enough of what they saw other people having and so they were constantly motivated by a desire to also create for themselves some amount of comfort by working hard.

This was because they found out that they could not just sit back and wait for others to do things for them – like they saw those from privileged backgrounds doing.

Many had to work with their parents in certain cases – and some even lost their parents, so that they had to fend for themselves and literally become adults overnight.

That psychological state was what enabled them develop the mental stamina to deal with difficulty or adversity.

And that ultimately made them people who were unstoppable whenever they chose to pursue success with purpose.

The essence of what I’m saying therefore is this:

If you want to achieve success in life, that is authentic and sustainable, in any area of Endeavour – whether you are born poor or rich – you have to develop the same kind of psychological stamina that the people who grow up in poverty possess!

You have to force yourself to develop it. If you don’t force yourself to develop that kind of mental capability, it’s going to be very difficult for you to deal with the hardships you may encounter in the course of pursuing authentic achievement in life.

Psychological stamina is one state of mind that is essential for every person that wishes to achieve success in spite of adversity.

But not everyone knows how to go about it.

And that’s why you need to become a student of success.

That’s why you need to read the true stories of those who have succeeded, and also read the philosophies of success explained in books like Napoleon Hill’s Think and Grow Rich.

Related Articles

1. Succeeding In spite of Poverty (3 Tips You Can Use)

2. Proof That Poverty Cannot Make People Steal…If They Don’t Want To (A True Story)

3. How Exposure To Poverty & Trial-By-Fire Can Be Deliberately Used To Prepare People To Succeed

4. No. 116: We Are Poor – Not Because of God (Lessons from 7 True Stories)

5. [PDF]A “Formula” Schools Need to Teach But Don’t! – Tayo Solagbade

6. To Achieve AUTHENTIC Success, Make Adversity Your Teacher and Friend

Excel-VB Driven Ration Formulator

Click to view larger screenshot

1. Click here to learn more about this app – watch demo videos etc

2. Click here to watch a 4 part video in which I demonstrate how to use this app to formulate rations using real life data sent to me by an Algerian PhD student.

Click here to contact me about purchasing this product.

EXCEL-VB DRIVEN POULTRY LAYER FARM MANAGER SOFTWARE

Click here to download a detailed PDF user guide and watch 15 screen shot user guide tutorials of the Monthly Poultry Farm Manager that I now offer Farm CEOs.

Click here to watch a screenshot demonstration of the Excel-VB Driven Poultry Farm Manager I built for a client farm business in Ekiti state, South West Nigeria.

Click here to contact me about purchasing this product.

SDN Blog™

New posts from last week*

Monday:

[Wednesday]:

[Thursday]:

Succeed Even In Economic Recession by Developing Multiple Competencies [Hint: Become a Multipreneur]

[Friday]:

N/A

[Saturday]:

N/A

[Sunday]:

Protected: The FARM CEO (Issue 71) : 11 Business Opportunities in Africa That Will Make More Millionaires in 2016, Investing in Africa’s agriculture is the next best thing, AGRICULTURE INVESTMENT IN AFRICA: TOP COUNTRIES TO FOCUS ON, African farming is the new frontier for brave investors

Video Part 2: [Excel Heaven Tutorial 07] Macro Protect or Unprotect Worksheets in a Workbook

Tayo K. Solagbade*

Self-Development/Performance Improvement Specialist

*Best Practice Farm Business Support Specialist & Founder of the MS Excel Heaven Visual Basic Automation Club and Competition

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 organizations 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 organizations, 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 (October 1994 to December 2001) as a high performing manager in Guinness Nigeria. He rose from Shift Brewer to Training & Technical Development Manager, and later acted in senior roles as Production Manager and Technical Manager.

In addition to constantly challenging the status quo and influencing positive work changes, he built a reputation for using self-taught spreadsheet programming skills (starting with Lotus 1-2-3, and later moving to Excel Visual Basic) – in his spare time – to develop Automated Spreadsheet Applications to computerize manual report generation processes in the departments he worked. Over four(4) of his applications were adopted for brewery level reporting.

Tayo holds a B.Sc degree in Agricultural Extension Services from the University of Ibadan, Nigeria, having graduated top of his class – with Second Class Upper Division honors – in 1992. 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 (SDAc).

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 The Farm CEO Weekly Newspaper (sent via email to paid subscribers) and his Weekly Performance Improvement IDEAS newsletter.

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:

Succeed by Emerging from Adversity Like a Phoenix

(TayoSolagbade.com launches extra Hosting plan with FREE Web Marketing!)

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 PlusConnect with Tayo on LinkedIn.com

Home |About | Contact | SD Nuggets™ | Speaking/Web Marketing IDEAS | Web Marketing Systems | Freelance Writing | MS Excel® Heaven™ | Cost-Saving Farm Biz Ideas

Protected: The FARM CEO (Issue 71) : 11 Business Opportunities in Africa That Will Make More Millionaires in 2016, Investing in Africa’s agriculture is the next best thing, AGRICULTURE INVESTMENT IN AFRICA: TOP COUNTRIES TO FOCUS ON, African farming is the new frontier for brave investors

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Succeed Even In Economic Recession by Developing Multiple Competencies [Hint: Become a Multipreneur]

When I decided to become – and later begin calling myself – a MULTIPRENEUR in 2004 (2 years after I became a startup), many people criticized me for “doing too many things”.

Some said I was trying to be a “Jack of All Trades” and anytime I had a setback they readily pointed out that THAT was the cause.

But I knew better, and simply ignored them – because my experiences had taught me that if I was to survive the harsh socio-economic environment I had to operate in as an entrepreneur, I needed to function as a multi-skilled entrepreneur aka Multipreneur.

The above is why it was intriguing, if not somewhat amusing for me to come across an article titled “Why entrepreneurs need multiple competencies” – on the website for a Nigerian National newspaper (Business Day).

multiple-competencies

A portion of the article’s abstract (reproduced below) really caught my attention:

“According to experts, multiple competencies save costs, enable entrepreneurs compete better than peers, attract…” Really? According to “experts” – what experts???

You mean like those who constantly lectured me in my startup years about the need to NOT do too many things, when I chose to use my “multiple competencies” to make more money with less effort, in less time and using fewer resources?

Experts? Huh…what a joke!

If truth be told, without my deliberately nurtured HABIT of developing and using my multiple competencies, I would have quit my business a long time ago, instead of outlasting adversity I’ve faced, by thriving in spite of repeated setbacks and disappointments.

My multipreneurial aptitude kept me going each time, because I always had a new or different skill, knowledge or attitude I could apply to get myself back on track each time I derailed, or to leapfrog to a new level of achievement as the need arose.

Sadly, when I was starting out, it was almost impossible to find people to respect and encourage me for displaying this trait in my society.

Most established entrepreneurs and so called experts frowned seriously at my tendency, and told me it was going to do me more harm than good.

Yet, I kept recalling how my abilities were saving me money, time and effort and so I knew they were wrong. What was more, at a point, I began to use my skills to help those who had cast aspersion on me for using them.

That was when I realized they had no clue what they were talking about when they were criticizing me. So I decided to begin writing about Multipreneuring, sharing true stories from my personal experiences of succeeding with it.

At the bottom of this article, I’ve appended links to some of those articles I’ve written on multipreneuring or what I like to call being a “Jack of Many Trades”

Today I have established a firm reputation as a reliable provider of a complementary mix of multidisciplinary solutions to clients within and outside Africa (see www.tayosolagbade.com, this blog, www.thefarmceo.net, www.excelheaven.biz and www.tksola.com – and relevant links on each site).

Hopefully, more people in this part of the world (Nigeria/Africa) will realize that developing and using multiple competencies is a sure way to boost one’s chances of succeeding in ANY field, regardless of the challenges you may have to face.

Related Articles

1. No. 128: Using Location Independent Multipreneuring to Achieve Public Speaking Success

2. If You Lack Capital, Intelligent Multipreneuring Can Help You Succeed!

3. More Real-Life Proof that Being an Intelligent Jack of Many Trades (aka Multipreneur), Can Make You Succeed More Often

4. You can SUCCEed MORE by being a Multipreneur – A True Story (Hint: New Book Coming Soon)

5.  To Achieve Uncommon Success, Avoid Specializing [Hint: New York Times Article About Steve Martin’s Amazing Success As a Multipreneur]!

6. Being a Jack of All Trades Doesn’t Mean You’re a Master of None – by Melanie Pinola on LifeHacker.com

7.  Knowing a Little of Everything Is Often Better Than Having One Expert Skill – by Adam Dachis on LifeHacker.com

[RECOMMENDED] Role of Feed Mill Laboratory Towards Improving Feed Quality – Feature article from thepoultrysite.com

Below is a preview of an excellent article I found on thepoultrysite dot com – which I recommend EVERY livestock Farm CEO read!

It’s packed full of practical wisdom about the value a  Feed Mill Laboratory can add to the feed formulation operations of a commercial livestock farming entreprise.

Even if you do NOT own a feed mill of your own and/or do NOT plan to setup one, the information shared in this piece can still benefit you greatly.

That’s because it provides sound insights into why you need to find and use a reliable Feed Mill Laboratory to derive the nutrient analyses for feed ingredients you use to formulate rations for your livestock.

Here’s a preview ending with a link to the full piece:

Role of Feed Mill Laboratory Towards Improving Feed Quality

The goal of feed manufacturing is to produce feed that meets intended specifications in nutritional composition. writes Sunil Chauhan, a post graduate in chemistry working with Avitech Animal Health Pvt. Ltd as a lab technical officer.

Today feed manufacturing is a very competitive activity and consistent feed quality is a key growth driver. Quality control and assurance have emerged as a critical feature in the business of feed manufacturing. A quality control system involves personnel being properly trained to ensure a high level of organisation, documentation and policing of various procedures and processes necessary to guarantee the basic quality of feed ingredients and feed.

Continue reading…

http://www.thepoultrysite.com/articles/1022/role-of-feed-mill-laboratory-towards-improving-feed-quality/

[Recommended] Stop Trying to Delight Your Customers

The idea that companies must “delight” their customers has become so entrenched that managers rarely examine it.

But ask yourself this: How often does someone patronize a company specifically because of its over-the-top service? You can probably think of a few examples, such as the traveler who makes a point of returning to a hotel that has a particularly attentive staff. But you probably can’t come up with many.

Now ask yourself: How often do consumers cut companies loose because of terrible service? All the time. They exact revenge on airlines that lose their bags, cable providers whose technicians keep them waiting, cellular companies whose reps put them on permanent hold, and dry cleaners who don’t understand what “rush order” means.

Continue….

https://hbr.org/2010/07/stop-trying-to-delight-your-customers

THE FARM CEO (Issue 70): Agricultural Extension Society of Nigeria AESON conference coming up in April 2017 [ Deadline for submission of Abstracts now January 31st, 2017]

In this maiden issue of my Farm CEO newspaper for 2017, I feature a flyer-based description of highlights from the Agricultural Extension Society of Nigeria (AESON)’s 22nd Annual Conference 2017, scheduled to hold at the University of Port Harcourt, Nigeria between 23rd – 26th April, 2017.

Theme: Mainstreaming Entrepreneurship in Agricultural Extension Practice in Nigeria

Highlights:

NB: Deadline for submission of Abstracts now January 31st, 2017

Best Poster Paper Award

Best Paper Presenter Award

Networking & Collaboration Link Initiation

Funding Opportunities Enlightenment

Date: 23rd – 26th April, 2017

Time: 10:00a.m Prompt

Venue: Ebitim Banigo Hall, University of Port Harcourt, Nigeria

Sub-Themes

In contemporary situations, Agricultural Extension is more strategic in the development of the wellbeing of farmers. This is because of the paradigm shift of Agriculture Extension practice will enhance farmers’ resilient capacity for a result-oriented agribusiness

The 2017 AESON conference will address how to mainstream entrepreneurship in Agricultural Extension through the frameworks of ICT, policy, agribusiness and value chain, tertiary institutions, national intervention programmes, health development. The conference is expected to attract stakeholders within various development networks to brainstorm and produce workable outcome for agricultural extension development.

This is going to be discussed under the following sub-themes:

 

aes2017

[Recommended] Telltale Signs You’re Dealing With an Emotional Manipulator

I’ve written a few articles (see linked below) on Emotional Intelligence, based on my studies of the works of pioneering experts like Daniel Goleman, as well as my experiences making conscious use of what I learned in the real world.

This article (published on LinkedIn Pulse) offers VERY useful insights into the dangers you may expose yourself to, IF you fail to develop the needed social intelligence to identify, and effectively MANAGE emotionally manipulative people in your life. The ability to assert one’s self is key dimension of being Emotionally Intelligent, Quite often, it can determine how well you can go on to achieve long term, sustainable success.

The article linked below offers potentially useful insights you can explore.

Telltale Signs You’re Dealing With an Emotional Manipulator

We all know what it feels like to be emotionally manipulated. It can be extremely effective, which is why some unscrupulous individuals do it so much.

A few years ago, Facebook, in conjunction with researchers from Cornell and the University of California, conducted an experiment in which they intentionally played with the emotions of 689,000 users by manipulating their feeds so that some users only saw negative stories while others only saw positive stories. Sure enough, when these people posted their own updates, they were greatly influenced by the mood of the posts they’d been shown.

https://www.linkedin.com/pulse/telltale-signs-youre-dealing-emotional-manipulator-bradberry?trk=hp-feed-article-title-share

Related Articles

1. Why Schools Need to Teach Emotional Intelligence [Hint: Your Success In Life – Academic Ability Matters LESS Than Your Emotional Intelligence]

2. What Being Emotionally Intelligent Does Not Mean

3. Are You A Social Chameleon? (Read This To Find Out!)

4. No. 119: How to Achieve Success in Any Field (True Story)

THE FARM CEO (Issue 69): Importance of bank reconciliations for your farm business, Automate Your Farm Records Keeping For Profitable Farm Planning, [Coming Tomorrow] You Need this Custom Spreadsheet App to Accurately Analyze Your Bank Statement

This week’s non-password protected issue of the Farm CEO newspaper features articles on theme of farm accounts automation and reconciliation. ending with a preview of a new app I’ll be launching in tomorrow’s issue of my Performance Improvement Ideas newsletter.

1. Importance of bank reconciliations for your farm business

No other accounting procedure will do more to ensure the completeness of the cash farm records than reconciling book and bank accounts.

Click here to continue reading…

2. ‘Automate Your Farm Records Keeping For Profitable Farm Planning

In this article, I explain the importance of establishing and maintaining reliable farm records keeping systems as it is a crucial requirement for successful planning & profitable management of your farm business. As they say, if you do not record it you cannot measure it. And if you do not measure it, you cannot control it. Which is the same thing as saying you cannot plan for it. In essence, I am saying that keeping detailed and accurate farm records  is a crucial requirement for effective and profitable farm planning.

Your Farm NEEDS Diligently Kept Records

Click here to continue reading…

3. [Coming Tomorrow] You Need this Custom Spreadsheet App to Accurately Analyze Your Bank Statement

Each time a New Year approaches, I always work hard to hit the ground running with a new and different concept, product or soliution.

This time around what I’ve come up with happened really by accident. A problem I had making sense of the MS Excel based bank statement I downloaded from the online banking interface for one of my accounts.

Click here to continue reading…