I recently came upon a nice trick that is enabling me to combine my love for blockbuster Hollywood movies and French. 

 I found out that if I did one tiny change to my profile on Netflix I am able to get French subtitles option and even French audio in the movies I watch on Netflix.

 And today, I am sharing with you that trick.

 1. Log in to Netflix

2. Click on your profile image on the top right and click on Manage Profile

3. Select a profile to make the change to, if you want you can create a new profile specifically for this.


4. Change the language of the profile to French (or whichever language you are learning).

And voila!

 Now you can watch movies in French or still in English but with French subtitles.


It works for other languages too. So if you are learning Italian, German, Spanish, Chinese or any other language, do try out this tip. 
Last year (2017), we built our first fully online product -- a gift card site. It allows you to buy US iTunes gift cards and get it instantly delivered to you in seconds via email. And it has been an amazing success, garnering sales of between N500,000 and N1,700,000 a month but the profit margin is razor thin.


It was to be a precursor to our main online product -- a stocks analysis app. It will be launching in about two weeks but you can get a behind the scene peek at http://beta.nigeriamarketdata.com/ and even share with me your feedback (at support@nigeriamarketdata.com).
Unfortunately, Paystack which handles our payment processing has been frustrating us on a grand scale. 

 Whenever we get some significant sales, they lock our account and we won't be able to withdraw our sales fund. So it becomes a case of customer has paid and used the gift card but Paystack is not giving us the money, so we end up not being able to restock and every new sales keep going into a locked account.



At first, we would email and call, and someone would attend to us saying it's a random flagging by their fraud system that it would go off in some hours. Then it gets resolved in 2 to 3 days but the disruption it causes is painful. Customers are not able to buy cards because we didn't restock since Paystack has withheld our funds and are giving a subtle threat that they would initiate a charge back (return of money to the customer who has already used the gift card he bought) if the customers' banks do not confirm that the transactions were made from the rightful card owners. 

It sounded like a joke to me. Their fraud system thinks a transaction is fraudulent but lets it go through, the customer has been serviced and gotten value for the payment made, then Paystack, after 24 hours suddenly feels the transaction needs review and then puts a hold on our account saying it wants to manually review the transactions with the banks so they can confirm that the transactions were by the rightful card owners. They not only withhold just the suspected transactions but all current and future transactions till they complete their review.

 This has been happening steadily every time we get a daily transaction amount of about N40,000 and above. The fraud system suddenly feels no one should be making sales that high in one day. So we have to do many back and forth emails, as they no longer pick phone calls. And it takes 2 to 3 days to get a reply to an email. 

 This October only, they have withheld our N632,000 for over 5 days, saying they didn't get replies for the banks. They don't think that if every merchant or payment gateway calls the banks for every single POS and online transaction for verification the banks won't be overwhelmed.

 And it's not yet end of October, they have again withheld our N195,000. And as usual, no replies to emails. Just radio silence while our business goes into limbo.

Now I am having second thoughts on using Paystack for our major online product which we plan to launch in a couple of days.

If you are looking to improve your use of Microsoft Excel for business modeling (not just limited to financial planning/modeling), then you should seriously consider participating in the annual ModelOff challenge.

Below are my reasons, even if you are not into finance or feel you need not bother yourself about financial modelling:

  1. I have been given a free access coupon to share with you which will knock off the registration fee for you. You'll need to email me with assurance of using it to get it.
  2. You can access skill building past questions that cover important areas of Excel and data analysis outside of financial modeling at https://www.modeloff.com/questions/ 
  3. I have even gone ahead to download the past questions from as far back as 2012 and put in Google Drive (you can email me to gain access to the google drive folder)
  4. Modeling skills are valuable for every professional who deals with data or some level of resource planning. So if you are an HR manager, an operations manager, project manager, materials planning manager, office admin, marketing manager, sales manager, strategy analyst, IT manager, customer experience/support manager etc, you will greatly benefit from being able to flexibly plan how you achieve set goals within the constraints you face and making the most of the limited resources you have. And that is what modeling does -- whether financial modeling, plant modeling, operations planning/modeling, human resource planning/modeling, L&D planning, maintenance schedule modeling, asset management modeling, marketing ROI modeling, production/expense modeling etc.