₦airaland Forum

Positivechick:
I broke up with my boyfriend today,

I met him while I was serving, he was nice and the only friend I had, I served in a village. While we were serving he doesn’t give me much, I practically kinda fed him cause he was always in my place. He had a roommate and I didn’t. Before he gives me any money we always had issues, not like he doesn’t hv to give. He just doesn’t want to. I don’t even ask for much.

After service we continued dating, he had no job so I told him to get a teaching job he said never ever, he rather follow he’s friends up and down , I kept quite watching what his plans maybe, I hv never asked him for a dim since we finished service mid last year, got a teaching job so taking care of myself.

My birthday would be coming up, his just passed, I told him that I would be expecting some cash on my birthday. We talked today and he’s telling me he spent all he’s money for he’s birthday, that if money comes he will send but right now he has no money, placing me on the probability table, so I said u couldn’t keep the one u would send me, he said people were buying drinks and buying drinks and he couldn’t tell them to stop. Am like are u serious ? I had to remind him that my birthday is few days away and he started saying he won’t be able to send anything. I told him without him doing the needful that there is no us.

Am tired, he has no vision, No focus , no aim , he depends on his friends and it's annoying. I think about he’s future more than he does , he’s always in the present. He’s making me feel like a bad person that he would make it. I hope he makes it but the relationship is so draining and I am 100% faithful to someone with no sense of reasoning. He’s Saying I am dating someone that’s why I want to leave him. He isn’t even addressing the issue we hv on ground .

Thoughts??

did you wish your ex-bf happy children's day yesterday?

You were his mother.

sagio09:
I can help you to invest in FGN SUKUK. dm me ur mail.

This doesn't smell well.

"Sagio" Ramos of Sukuk FC

emmanuelewumi:
Not so.

You pay N2500 per annum if you subscribe to CSCS online

What are the benefits of this subscription. ₦2500 p.a doesn't look like it's hurt ones bottom line

emmasoft:
option if answers to the questions are NO and if you reside in Lagos you need to go to cscs office at the NSE build with valid acceptable ID card tell them you want to have your bio-metric done and at the same time print your cscs statement.

Please what's the average time frame for resolving CSCS issues involving transferring of shares from delisted brokers

emmanuelewumi:
Kindly sow it into the life of your spiritual father, that is your Pastor, Imam, Rabbi or Priest.


It should end in praises in 2 years time.




Don't mind me ooo, buy money market fund

PETERiCHY:
President Muhammadu Buhari has mandated the presidential committee on salaries and wages to review and realign earnings of employees of ministries, agencies, and parastatals.

Minister of Labour and Employment, Senator Chris Ngige, who disclosed this in an interview with THISDAY at the weekend, said part of the objective is to check disparity in payment of salaries and wages as well as prone the running cost of governance.

https://www.nairaland.com/5881410/fg-review-salaries-wages-ministries

WINTER IS COMING....

BARGAIN HUNTERS TAKE NOTE!

This will apply to those on appropriation and FG budget.

Some parastatals and Agencies are self funding and MAY not be affected.

Salliet:
Please who has any experience or encounter to share about Opay's savings @12% and 14% for 15 and 30 days respectively.

Most of those rates are p.a.

So divide them by 12 to see what exactly they are offering you.

pluto09:
I don't think it will get that low.
N2 might not be bad

Anywhere between ₦1.5 & <₦2 will still be a good entry for the long term holders.

Obierika:
As a single guy in Nigeria who is about to select a wife the biggest mistake you could possibly make right now is to marry a lady who is either not working or is not earning any sort of income.

Do not ignore this warning if you plan to get married soon!

It's worse when they find excuse to drop their jobs after marriage.

wanaj0:
Teachers pay constitute the greatest draw on a School's resource.

Crisis has not passed in Nigeria oo. We are just starting. Not close to the peak at all.

Consulted for a leading school in PH. Teachers were told to pick between half salary in April and May or full salary in April and no salary in May. They picked full salary in April. Now that may is here they are wondering whether they will get paid in May. My question is where will the money come from?

Employees need to consider the business when making demands. It is like a pilot resigning from Virgin. Which airline will employ him now? This is a problem affecting the sector as a whole!

They thought the lockdown would have eased by May and they'd get full pay or another job.

locodemy:
Lol,I am not a good mathematician but I look at it in this way....
Fbn 20%
Fcmb 20%
Fidson 20%
Maybaker 20%

Though all appears as 20% but the returns when accessed individually is 80%

I like your maths.

Let's say he puts 1M on each share.
Total cost: 1M*4= 4M

At 20%, they'd become 1.2M
New value: 1.2M*4= 4.8M

Profit: 4.8 - 4= 0.8M = 800k

(800,000/4,000,000)*100= 20%


The main advantage here is that he didn't put his eggs in one basket.

Mcy56:
** Don't sell yet except you already meet your target.
** For Aiico, wait to collect the bonus issue.
** As for others, no need to sell since you bought at March low, prices might still go up the more, then do the needful.
** Leave your Zenith for now.

** My opinion is based on the assumption that you didn't buy them for JIJO.

The average will still be 20%, I think.

Diyke4rich:
I did check nothing is showing on my name

Did you ever receive the certificate for the shares you bought then?

If you have any document as evidence of purchase, contact their stockbroker house the sales agent worked with or the registrar.

hollerbaby:
Amen , i understand ur pov, but if they didn't ask how will i learn?

Lets drop this and move on please.

Thanks.

hollerbaby:
Some of these seemingly silly questions , i have an idea of what the answers are but i would rather ask here from people who have been dere nd done that.

Reassurance that, what i think is right is actually right. Since i have been following this thread when tb rates where pretty good, so u know how long. I have stuck to what i know and learnt here on treasury bills .when i see bond shares i dont even bother cause i dont know it well nd tb was still paying well.


With tb gone south we need to learn other investment opportunities So excuse the silly questions, correct people gladly responded to to clear our doubts.
I didn't see u answering any. Give me time to obtain my MBA degree in bonds and shares from this thread first. Me that i hv been following the responses to other people's questions that relates to this sukuk jejely no yab us at all

This is what I'm saying.

You took your time to read the thread and responses. You saved us all another unnecessary line by not repeating this questions.

May you live long and do well.

Diyke4rich:
Good evening house, i dont know if this the right place to ask this question in 2008 one marketer force me just to buy 800units of ecobank shares, till today i have not collected any dividend or even know the valve, i have tired to contact there registry many times no response, please who can help me calculate the value of the shares now, maybe the shares have increase in units by now or make any profit its 12years already.

Check SEC's website for unclaimed dividends. All you need is your name. If it appears there, there's hope.

Then, you contact the registrar on the way forward.

Cheers

Akpaamunsi:
How old r u? Kid

If u know d calibre and age range of people who dominate this thread u won't use such vulgar word to describe busy people who feel this thread is d best place to answer their questions based on their tight schedule.
You berra knock it out boy. Wach ya tongue n oily fingerz

Akpaamunsi Agwu

Dear Methuselah, LAZY is not a v-word.

Nobody is too busy for what he's serious about. Emotional reaction to things you read here won't help your situation neither will it do your purse any good.

A little homework by all improves the class.

unite4real:
You are new and u started by insulting people?

Everybody has his or her speed of understanding. No question is stupid as it can answer to many who are reading without asking.

Google cannot make u money, practice will. Money making is an act.

This thread started since 2012 and a lot of us have asked so called lazy questions but it has paid off on many

Obviously, you skipped relatively when you were reading it. I didn't start following this thread yesterday or last month.

Some questions here are needless and a sign of laziness - many are just too lazy to use the search button even in NL to see if a similar question has been answered.

Thisnut:
you can also use the drive through ATM without stepping out of your car, you can as well deposit using the drive through.
You can deposit and withdraw your cheques with mobile apps, you don't get charged for sms or stamp duty when you deposit or withdraw, the bank officials don't ask for tips when you withdraw, you don't go through the back door to get special treatment because you're rich. My bank pays back all charges using other banks atm. Banks give you credit card protection incase you are being hacked or someone who's not you had used you card, you get all your money back.
So far i think Nigeria has the most backward Banks i have ever seen and they are all thieves.

I know usa banks takes about 24hrs for transfer to get through, That gives you enough time to put hold on the transfer and make necessary adjustments. If it's that urgent, you should have done it yesterday. beside, banks provide app like zelle and you can use cashapp for instant money transfer, they have no charges.

If you're doing well in Nigeria, don't give Nigeria any credit. You're just at the mercy of God. If you doubt me, quit your job and see if you will ever get another one. Lol!


Some will say I'm very negative about Nigeria,
yes i am. Imagine my older sister who's a lecturer in nigeria is making less than a street begger in the U.S.

So sorry to read your experience here.

I can bet your sister will not try going to America solely to beg.

With her lecturing experience, she try and find job overseas.

Godlylifeoneart:
THE DRUM IS BEATING.
Recently, there is a new campaign for brokerage firms to merge and recapitalize.
The proponents of the campaign opined that less than 10 stock brokerage firms are responsible for 80% of equity transactions in the Nigeria boss.
Should this proposal of RECAPITALIZATION / MERGING sees the light of the day, it means the retail traders are in for high brokerage commissions.
Presently, the commission ranges from 0.5% to 1.35%
I wonder why the terrible government of the North always make things hard for the productive people of Southern Nigeria.
We do the work, earn the money, pay the tax, spend by the directionless government of Northern Nigeria.
It took a determined campaign by the Olusegun Obasanjo regime in 1999 to lure the present generation of retail investors to the market.
Now that our generation has embraced the market in our quest for financial freedom, the body language of this government of the North is to make us pay more brokerage fee.
I can recall, VAT was removed on equity investment and transaction in an effort to encourage retail investors to participate more actively in the market.
Recent statistics shows that the domestic investors participation in the market currently stood at 54% vs 46% for Foreign investors.
Should government insist on the recapitalization and merger, who will pay the imminent increase in brokerage fee that will accompany such exercise?
I have no apology, this government is blind and deaf. She does not listen to people. Her personal interest of Northernisation of the whole Nigeria is the interest of the country.
In Nigerdelta, where the mainstay economy of Nigeria is located, we have no gut. The official language in NNPC is now HAUSA...
After destroying everything in Nigeria, Buhari is bent on destroying the NSE and SEC. Go ahead, we are fully diversified.
NYSE, LSE many of us are already there.
. ....

The glorious days of NSE shall return after the expiration of Buhari tenure.

This your vex no be small o.

Manwarrior55:
Hello guys,

I recently got the idea of opening up a Mutual Fund account since most of the safe fixed income interest have crashed like TBills and Alat (10%).
So I set up an account with UnitedCapital I.e InvestNow.ng but I am still weary about them. How legit is this mutual funds ? And is united capital a good investment company to deal with?

Please bosses help me learn..thanks

I use investment-one for my investments, no issues so far. you can try them.

RabbiDoracle:
He can explain to the workers that he is taking up loans to ensure that his employees don't suffer. But it will be repayable once they start work. But reducing payment is better than not paying at all.

He will do a gradual deduction (spread over some months) from their salaries once they all resume normal operations.

If he can afford it, he can pay a good percent 35 - 50.

So far you pay people, they don't care if their management stole it.

The thought of repaying loans is enough to make many of them change jobs.

RabbiDoracle:
Try and pay May o.

Better pay 30 to 50% from your reserve. They need to survive. Or you give an interest free loan for them to survive which will be deducted as they work the subsequent months.

Interest free loan? What's the collateral.
Teachers are not loyal, many of them switch schools typically about this time of the year.

seyisanya:
In my opinion, the best time to let them know about the financial position of your school was when you paid the April salary. Telling them now is late but informing them by month-end would be too late. Please, if it's possible, kindly pay 50% or less this month then let them know about the situation of things moving forward.

Please, where's the school going to draw that fund from?

Except the proprietor is giving it out from his own savings or other businesses, it may unbalance the school's books.