I am Arie Steehouwer, president & owner of GlowWorm Business Advice BV, in the Netherlands. After more than 30 years of experience in corporate management I decided tot exploit my experience in a company of my own. GlowWorm BV (my company) helps companies in the Netherlands that experience financial and/or operational problems. My baseline for a company are their balance sheet & P&L, combined with knowledge of the business the company. This has given me some experience in understanding and quickly assessing problems in a company, just by studying their financial reports. I try to manage my personal high div/growth div portfolio.