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Travel › Re: Canadian Express Entry/federal Skilled Workers Program Connect Here by 40manlappy: 8:24pm On Aug 12, 2016

judithidoghogm:
Good evening all.Please I need clarification about the Canadian Skilled immigration programme.What are the steps for applying?total cost and how long does it take to complete the application process.Thanks

Please go to page 0 and read up to get the basics.

Investment › Re: Treasury Bills In Nigeria by 40manlappy: 5:38am On Aug 10, 2016

Ihavespoken:
While this move may work with some banks, it may not work with others.

Some banks debit the whole funds initially then pay interest within 3 days while some do otherwise.

Looping: manie

True, Stanbic IBTC will put a lien on your account for the face value of your investment.

The approach Chukzyfcb proposed may not work with them because his account may read "insufficient funds" since he would have just the discounted amount in the account.

Then what if his speculated bid rate is lower than the actual? It's a tough one really.

@GANDALF1: I did it through Stanbic IBTC

Travel › Re: Ideas for a Family Vacation In Ghana by 40manlappy(op): 11:27pm On Aug 06, 2016

Ugosample:
Honestly, I don't know.
But you can check www.jovago.com
There you will see the prices for the various cities you wanna visit

Thanks

1 Like

Investment › Re: Treasury Bills In Nigeria by 40manlappy: 6:17pm On Aug 06, 2016

Ihavespoken:
Its simple but remember he already has interest paid before maturity. If you have done it before, can you explain to him the charges he could face, for example if he invested N100k, how much he is likely to get back after charges.

Cheers.

Okay sir

@exclusiveoloori: Let us assume that the face value of your investment is N100,000 and your discounted value is N95,000 (the actual amount that you were debited upon a successful bidding at the primary auction, remember, you have earned an upfront interest).

The difference between the value of the bill and the amount you pay for it is called the discount rate, and is set as a percentage. In the example above, the discount rate is 5 percent, because N5,000 is 5 percent of N100,000.

When you apply for termination/liquidation of a treasury bill technically known as "rediscounting", the bank sells your investment in the secondary market but you will lose a portion of your interest depending on the rediscounting rate at the time of your application and the duration that you have held the investment.

If you have held the instrument till maturity, your account would have been credited with N100,000. But now that you are not waiting till maturity date, what you will get is a function of the rediscounting rate that will be applied.

Once the bank gets a buyer at the secondary market, you should be notified for your concurrence upon which the deal will be sealed and your account credited subsequently with the proceeds of the treasury bill liquidation.

My experience: I did a 91 day TB in mid-June; the bank had bidded for me at 7.350%. When I noticed that rates were going up, I considered liquidating to invest at a better rate. I did that last week just in time for the primary auction of August 3rd. Guess how much I lost when my TB was rediscounted? Just N840.16 plus N300 transaction fee! cheesy

This is a paltry sum compared to the fact that I quoted my own rate of 17% for the bidding and won. I have to thank the gurus in the house who encouraged me to take this risk, especially feelamong. wink

Hope the above clarifies your enquiry.

7 Likes 1 Share

Investment › Re: Treasury Bills In Nigeria by 40manlappy: 5:10pm On Aug 06, 2016

Royal155:
See money doubler

Bros, you get razor mouth!

Travel › Re: Ideas for a Family Vacation In Ghana by 40manlappy(op): 9:35am On Aug 06, 2016

Ugosample:
Ghana is a good place for hikday, unfortunately most of the key tourist spots are outside Accra....
Cape Coast
Sunyani
Kumasi

these are cool cities.

Thanks. But how is hotel accommodation in these places, especially the beach areas?

Investment › Re: Treasury Bills In Nigeria by 40manlappy: 9:26am On Aug 06, 2016

ukay2:
STANBIC IBTC BANK DEBITED ME 30MINNUTES AGO...I BIDDED FOR MYSELF @17% FOR 182DAYS.

PLEASE DO BID FOR YOURSELF NEXT TIME

Cool

My bid for 182 @17% too was successful. I am so happy that I took the risk of bidding for myself this time with Stanbic.

Looping: feelamong, sammily, MrTour

1 Like

Investment › Re: Treasury Bills In Nigeria by 40manlappy: 9:17am On Aug 06, 2016

exclusiveoloori:
Is there anyone one on this thread who has terminated t-bills before maturity. And if one is to do that, how do you go about it?

This is as simple as A-B-C cheesy

Simply write a letter to your bank requesting for a termination/liquidation.

Phones › Re: Android, Anyone? Part II by 40manlappy: 10:29am On Aug 05, 2016

TamedWolf90:
You can do that but that's like having two captains on a ship... One has to be off for the other to run so it depends on why you want to do it that way...

I subscribe both go and mtn, sole reason been that glo sometimes fluctuate and I am one person that can't help been online... I download a lot so I sub my two Sims in case one starts fvcking up.. .

But this is the cache.. . One sub has to be greater than the other so the lesser one can finish on time... If you can't finish both within the stipulated time, then what's the aim of dashing service providers money

Unless you would be maintaining and subbing it concurrently so no one elapses..

Thanks

By the way, I ain't a tech guru, I just have a knack for solving problems..

Thanks for your response.

I have to be online all the time to see both my office and personal emails. Sometimes, when I am on a business trip, I realize that a particular service provider has little/no network coverage. That is why I am looking at that option since I have a phone with double-sim capacity.

Phones › Re: Xiaomi Redmi Note 3 Pro Reviews | Discussion Board - The Transformer by 40manlappy: 10:21am On Aug 05, 2016

Tweetums:
silver color, tamper class, silicon case... Cost $179

Thanks

Phones › Re: Xiaomi Redmi Note 3 Pro Reviews | Discussion Board - The Transformer by 40manlappy: 10:19am On Aug 05, 2016

Youngzedd:
You're using Chinese ROM.

Thanks.

Please, for the purpose of knowledge, I would like you to answer the following questions

How does one the version of ROM that a phone uses? From the MIUI version? Or the languages displayed?

Is it possible to switch to a "Global ROM" (I meant no Chinese apps or language) without endangering the safety/security of the phone?

When making purchase of a phone online such as from Aliexpress etc, how can one know if the phone's ROM is Chinese or Global? How is this possible?

Thank you.

Phones › Re: Xiaomi Redmi Note 3 Pro Reviews | Discussion Board - The Transformer by 40manlappy: 12:01am On Aug 05, 2016

Youngzedd:
This is normal Xiaomi Redmi Note 3 MTK version running on China stable ROM.

Mine reads "MIUI 7.5 l Stable 7.5.2.0". Please can you tell me what type of ROM is this?

Sometimes, I see Chinese alphabets along with English while using apps such as WhatsApp and other messenging apps on the phone. Do you have any idea why this is not the case?

Phones › Re: Android, Anyone? Part II by 40manlappy: 10:40pm On Aug 04, 2016*

Gurus in the house, if one has a double-sim Android, is it possible to maintain internet data bundles on both sims, especially of different GSM networks?

TamedWolf90, weblord1900

Investment › Re: Treasury Bills In Nigeria by 40manlappy: 10:24pm On Aug 04, 2016

vinnyvinny:
. Stanbic insist I must open a current account rather than savings for NTB. Pls is that the case for those using Stanbic.

I used my savings account to bid through them.

Someone is trying to meet current account targets there wink

Investment › Re: Treasury Bills In Nigeria by 40manlappy: 10:20pm On Aug 04, 2016

LuzSp:
I'm leaning towards porting to Stanbic IBTC (I prefer forms to letters, always!) or any other primary dealer. I've got 'till end of September.

@bolded: You will still be required to write a letter in support of the forms.

Travel › Re: Canadian Express Entry/federal Skilled Workers Program Connect Here by 40manlappy: 10:16pm On Aug 04, 2016

Marvelz:
Hello good people. Please has anyone completed the mpnp online application after receiving LAA? I want to know if I can skip the secondary school results and just input my post secondary school results. Reason is I do not have secondary school transcripts and do not think it is that important since my spouse and I have first and second degrees. Kindly advice. Thanks.

"Secondary school transcripts"? shocked

Just provide the start and end dates of your secondary schools, then attach copies of your WAEC certificates (if applicable), simple!

Travel › Re: Canadian Express Entry/federal Skilled Workers Program Connect Here by 40manlappy: 10:10pm On Aug 04, 2016

temitope06:
Replied u bro

Replied, sorry for the delay.

Phones › Re: Xiaomi Redmi Note 3 Pro Reviews | Discussion Board - The Transformer by 40manlappy: 9:58pm On Aug 04, 2016

Tweetums:
#66925 deducted from my account.

Please, how much did it cost in USD? I want to have an idea of the rate.

Also, which courier agent did you use?

Travel › Re: Canadian Express Entry/federal Skilled Workers Program Connect Here by 40manlappy: 8:19pm On Aug 03, 2016

platypelloid:
Hello House,I have a Sure agent who wants to process express entry for me for 600k naira,excluding credentials evaluation and medicals!!!

DOES THIS WORTH IT?PLESLASE ADVICE!!!!!

Why waste your money on agents when you can do it yourself? angry

They don't know more than the gurus on this thread, you know.

Read page 0 and you would have gotten the basic info you need. DIY man!

By the way, what do you mean by "sure agent" huh

6 Likes

Investment › Re: Treasury Bills In Nigeria by 40manlappy: 7:36pm On Aug 03, 2016

feelamong:
Thanks bro...

I have learnt a lot from this Thread and from you all!

That lady with the SCB rates really did us well...I hope she will continue to post a lot more often.

CBN wants the FPIs to come in with their dollars so we expect the market to remain this "bearish" for a long time....maybe till December.

You couldn't have put it better! cheesy

Even though I am yet to debit alerts for the fees, I am happy that I quoted my own rate of 17% on 182 days.

This is exciting for me because this is the first time that I will quote my own rate; I have always gone with the bank rate. In a little way, it also taught me to take more calculated risks.

Thanks to you bro, SuccessGee and others who gave me the motivation to take the plunge.

18.05% is sweet but 17% is ok wink

1 Like

Travel › Re: New Zealand Skilled Worker Category by 40manlappy(op): 10:56pm On Aug 02, 2016

hartson:
check if your occupation is listed in the long term skill shortage.if it is listed then check the qualification requirements and no of years experience required in col. 3 & 4 to be eligible for bonus points.
You might likely qualify to apply but if your occupation is not among the LTSL then you can't claim bonus point

@ebimarian

Follow the steps above, then you can come back to ask more specific questions. We are all still learning here cheesy

Investment › Re: Treasury Bills In Nigeria by 40manlappy: 5:00pm On Aug 02, 2016

zamirikpo:
@feelamong na ur back we dey,
@sheriff4owi.. ....na big risk I dey take ooh.. .pray it clicks.. If it doesn't a week is not too long at least by then am sure of the rates.. .

Are you sure @bolded? It used to be every 2 weeks. Has it changed?

Investment › Re: Treasury Bills In Nigeria by 40manlappy: 4:50pm On Aug 02, 2016

feelamong:
I just dey study all the Monikers and their bids...

i wan begin play Naira bet once league season start...

i suppose know who i go dey reach out to before i play..

happy Investing All

Boss, what rate and tenor did you bid for?

Investment › Re: Treasury Bills In Nigeria by 40manlappy: 4:02pm On Aug 02, 2016

sherif4owo:
good luck bro!

Thank you! cheesy

Investment › Re: Treasury Bills In Nigeria by 40manlappy: 3:58pm On Aug 02, 2016*

sherif4owo:
Well, Not bad though but If I must specify, my safe bid rate will be 16.0%-16.5%.

BTW: Hope you know it's late to place bid now?

**modified
I already placed my bid for 17%

Looping: feelamong

2 Likes

Investment › Re: Treasury Bills In Nigeria by 40manlappy: 2:04pm On Aug 02, 2016

sherif4owo:
Yeah we are..

I'm actually going for the lowest which is 18% just to be on a safer side. Because I must win.. like compulsory

Do you think it is safe for me to bid for 182 at 17% or higher? Your advice would be appreciated.

Looping: feelamong, olujaidi, ummitoagirl

Travel › Re: Canadian Express Entry/federal Skilled Workers Program Connect Here by 40manlappy: 10:51am On Aug 02, 2016

temitope06:
Olabisi Onabanjo Uni.

Have you collected it already? Sent you a PM

Travel › Re: Canadian Express Entry/federal Skilled Workers Program Connect Here by 40manlappy: 11:54pm On Aug 01, 2016

greetings:
Oya! Take five! Lol.

Glad we're all learning.

Travel › Re: Canadian Express Entry/federal Skilled Workers Program Connect Here by 40manlappy: 10:51pm On Aug 01, 2016*

@greetings

Thanks so much for sharing this. God bless you!

I have gone through the links, and it looks like this Quebec thingy will make sense. Certified true copies of documents are allowed.

I didn't see any information that fluency in French Language is compulsory.

The important thing is to attain the required scores (57 for an applicant with a spouse/partner and 49 for a single/unmarried applicant).

Like irondome suggested, one can always leave the province after a few months. wink

@segbas: You can check out the following links on selection factors. It also gives one an idea of eligibility.

http://www.immigration-quebec.gouv.qc.ca/en/immigrate-settle/permanent-workers/requirements-programs/index.html

http://www.canadavisa.com/quebec-skilled-worker-immigration.html

cc: hartson

2 Likes

Travel › Re: Canadian Express Entry/federal Skilled Workers Program Connect Here by 40manlappy: 7:10pm On Aug 01, 2016

@greetings, ironstone

Just to be clear, do you mean an English speaker with no knowledge of French can apply for Quebec immigration even without possessing the French language fluency certificate I.e. their own version of IELTS? shocked

Travel › Re: Canadian Express Entry/federal Skilled Workers Program Connect Here by 40manlappy: 8:48pm On Jul 31, 2016

irondome:
IRCC's POF specification requires a 6-months average balance statement. To be on the safe side, I would say, your fixed or term deposit should be in your account for that duration and should be en-cashed shortly before printing out your financial statement.

I assumed you were referring to IRCC POF specification and not a PNP specification.

Yes @ bolded. Would it be different under a PNP application?

Travel › Re: New Zealand Skilled Worker Category by 40manlappy(op): 8:46pm On Jul 31, 2016

princessayinke:
Hello all. Please is there anyone with vital information about NZ immigration. Australian immigration is quite cumbersome. Been readinb through it and thr process is really long. please put me through

Please read pages 0 and 2 of this thread, if possible all the pages. Then you can now come back and ask specific questions. Cheers

1 Like

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