₦airaland Forum

TotoNaRubber:
You are quite right, everything in Lekki is somehow over-priced if you keep going to most places in Lekki designed for the rich in Lekki.
Even the Freaky freakys are not left out, I carry one earlier this year after lap dances in Askamaya Lekki, she floow me enter house (first mistake), see everywhere nice, she went to the rest room and came to the bed, my blood was already hot so i told her baby, see bed make we start o as it was already 1am, she said make we talk first, i was concerned so i listened attentively.

To cut the long story short she said i will give her 30k by morning which will be around 6am as their normal departure time, my N10k bargain fell on deaf ears so i told her well, i will not entertain blackmail (in my mind), She said N30k or no deal, i said ok now thanks for coming, she say make i give am cab money, i gave her N1k she refused o, i quietly told her to come outside with me to go find more money, once i dey outside i made it clear na N1k dey for cab, she flung the N1k at my face and left angrily. The next day i drove down to Ajah and picked up a fresh Freaky freaky for N7k, total damage N10k max. Total saving N20k.

So island can be quite pricey.

Congratulations but this is investment channel. You can go to NL romance section and start a channel about your escapades.

OgogoroFreak:
minimum 5m. Another minimum 100k. I'm lost

I think 5m is minimum for stock account and 100k is minimum for bond account.

Nigsrdumb:
After several dealings with fbnquest, my suggestion is to avoid them completely if you want to invest in bonds , stanbic bank is better.

I agree with you. Few days ago, I created a new account. The FBNquest app is a total mess. I cannot update my employment or next of kin status or even do anything meaningful with the app. I sent an email since 2 days and no response.

jumboo:
Sounds like greed over patriotism. I pray the single digit rate is sustained and money finds its way back to the real economy funding activities that create jobs and growth for the economy.

When you think it couldn’t get worse now another ridiculous assumption. Someone few days ago was very happy about the fake news from punch that individuals are barred from buying treasury bills because according to him profits from treasury bills are ‘free money’.

Some of us who invest in treasury bills live abroad and you think we are unpatriotic and greedy by lending to our home country to build infrastructures. You think everybody has time to run a business or even knows how to run a business in a risky environment such as Nigeria. The money we lend to government in treasury bills is put into building of infrastructures that employ many Nigerians. You see building of infrastructures from treasury bills funds creates jobs. Indirectly we are creating jobs. Those folks who earn money working in infrastructural projects funded by treasury bills and bonds in turn put that money back into the economy. So treasury bills investors are not unpatriotic and we are not greedy because our country and many of our fellow citizens are benefiting from our investments.

Another point is that I will never put my money into any business in Nigeria while I reside abroad. Even if treasury bills rate goes to 0.00001%, I will never put my hard earned money into any business in Nigeria. Until our govt. in Nigeria creates a friendly business environment, I will be glad to leave my funds in savings account in the country of my residence than to lose them trying to invest in risky businesses back home.

Folks be careful how you divulge information about your financial status in this forum. The fake news from punch about CBN blocking individuals from buying treasury bills has really revealed the minds of some in this channel. Not everybody who comes here is happy that you are making money by investing your sweat in treasury bills. It really baffles me that someone in this forum thinks that profits from treasury bills are free money.

Jejebabaa:
Thanks sir, anyway, the one i got was a bit less than 4%.

Good for you brother. If it’s a personal loan for that rate, then you must have an excellent super credit score and you are lucky too.

Jejebabaa:
Pls sir, where in USA, is interest 0.1% and moreover is it 0.1% per week or p.a. Which of the bank pls?

No bank in the U.S. will give you 0.1% interest rate on personal loan, student loan, car loan or even mortgage. Getting a lower interest rate loans depends on your credit history/score. If you have an excellent credit score then you can secure a good/lower interest rate for personal loans from 4.99-10% or even higher.

Yes you can get 0.1% interest rate on your savings, cds etc but not on loans. I hope this helps. God bless

partnerbizz5:
You are a mere scaremonger.
Bill Gates, Zuckerberg, Dangotes, Danjuma, Otedola etc financial infos are everywhere, what has happened to them or their finances?

You are talking as if disclosing it will immediately lead to barrage of hacks automatically.

You goofed when you engaged in fallacy of false cause.

Was Mt.Gox hack as a result of revealing financial info?

Don't we know mtn and banks financial worth?
How many hacks have taken place?

You should have cited other reasons like kidnapping , people expecting you to spend more etc to buttress your point.

In fact, some businesses or professions encourage you to even inflate your networth as part of packaging.

Cc deepwater

You are entitled to your misconstrued opinion. If I have offended you by my advice, you should hear the ones I keep to myself. You know what, I don't do social media personal attacks since they are not productive. Sometimes sarcasm falls out of my mouth but I don't know about you. All of us here have one thing in common, we all bring happiness to this room. Some do when they enter, some do when they leave. Thanks for responding as I learn alot from dissent opinions. My off button is turned on for this issue.

Now let's get to back NTB. I have some maturing soon. Do you think is gonna go south or north in the next three month? I like you know what you and other folks think given the current state of affairs. Muchas gracias. Blessings brother.

Sach:
My bitcoins are stuck with usi-tech, any idea how to get them back ....? Thank you.

I am so sorry about that. USI-Tech is a Ponzi scheme. All you can do is to file a report with an anti-fraud agency where you reside but I doubt if they can do much. You can at least try. God bless.

deepwater:
Comon goan sidon


See your previous post below, coming here now and start talking BS

Guy no allow me reason you mata o, cus I go enter you prapra!

Thanks for bringing up my previous posts. I am glad you saved me the time of having to respond to a friend who earlier today said that I have not been part of the discussion on this sub. I ignored him but I am glad you responded on my behalf. I appreciate it.

I do not see any contradiction(s) in my previous posts and today's. I acknowledged today that I have been one of those telling noobs to read previous pages when they ask questions. My reasoning today is, why do we tell noobs to read previous pages when they ask questions yet we waste time talking about our net worth. When I used the plural pronoun 'we', it meant myself included. I post sparingly on social media and some of them I am proud of and some I am not. For your information, I save all my social media posts. So spare yourself the headache of bringing them up for me.

“Guy no allow me reason you mata o, cus I go enter you prapra!” - I could not respond to this because I do not know what you are talking about but I hope you have a beautiful night. God bless

deepwater:
Comon goan sidon

Thank you and blessings

feelamong:
You nailed it bro.......Nice talks....

from the words you used in expressing our newbies....I can see that you are a Crytos Lord too!

When go call us to come enjoy your Bitcoin loot as Bitcoin dey fly!

Hello brother, I really appreciate you a lot. I did not know anything about NTB until I found this sub. Before then, I was just doing fixed deposit. Like I said earlier no need to reveal anything here but I want you to know that financially you have liberated so many folks with this sub myself included. That’s why I want us to keep your spirit alive here for our younger generation.

Again few years ago you mentioned crypto currency on this sub some of us dismissed you and called crypto a scam. You were not going to give up because you actually started a thread on Bitcoin. I followed you and started buying BTC, ETH and few other alts. I use Binance and Coinbase but I store them in hard wallets. I have seen the lows and the highs of crypto. I am a hodlor but when BTC or ETH pamps, I sell and put the gain into NTB.

Thank you again for spreading your knowledge and for empowering so many of us. In 2012 you had a vision to financially empower young Nigerians and I can say you have succeeded. English philosopher Francis Bacon said ‘Knowledge is power’. In appreciation and in your honor , I would like to make a small donation in ETH to a charity that you support. I would appreciate if send me your ETH addresss. God bless.

Bamz:
Carlos Slim has been mad that I've not replied his text for some time now
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bendo75
You seem sensible and I reckon you should have gone about your post in a more civil way.
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Who's had dealings with GT lately oh?

Thank you. In the past some of us have gently reminded these folks not to reveal their financial status here because 1. they open themselves up to attacks from criminals who are all over social media profiling and we don’t want that 2. it is immaterial to the discussion here and very toxic as folks start fighting over who is richer 3. As a behavioral therapist , I would say it’s a sign of interior emptiness and poverty of mind.

In 2012, Feelamong started this thread and I have never seen him and many other mature minds in this sub reveal or fight over how much they have.

You see what irritates me is that when noobs come here to learn, to ask questions about NTB like I did many years ago, we tell them go read the 1st 10 pages yet we waste time bragging about our net worth. How does that help those noobs coming here to learn about NTB.

The event of Mt.Gox Hack in 2014 or others are there to teach us never to reveal our financial information on social media. If you have lots of money in your bank accounts, don’t tell the public, get yourself a token(soft or hard) for large withdrawals. And if you have lots of BTC and alts, don’t tell the public, buy a hard wallet like Ledger NanoS and store all your coins on it. Don’t leave a lot of your coins on exchanges.

I hope I have not offended anyone here but if I have, I apologize. Let’s get back to the spirit of Feelamong, the founding father of this great family. Peace

Nnamz:
cry cry baby

Thank you and blessings.

I don’t know who is the admin for this sub but geez he/she is not doing a good job in controlling the kids that have flooded our sub. Instead of talking about treasury bills, we now have kids here bragging about their net worth. Your net worth is immaterial to our discussion here so keep it to yourself. I hope you will listen and let’s go back talking about treasury bills and how we can all continue to benefit from it.

DaBogu:
BREAKING: US Embassy suspends 'Dropbox' Visa renewals in Nigeria.

I like this very much. Canada and others should do same. The idiots that stay abroad and tell us Buhari is transforming Nigeria should come back let’s enjoy together. Nigerians must have sense by force.

Lol. Calm yo tits bro. This has nothing to do with those who reside and work in the United States. Know the difference between immigrant and non-immigrant visas. This affects only the renewal of non-immigrant visas(visiting visas). Suspending Dropbox visa renewal means that those who want to renew their non-immigrant visas must appear for an interview at the Abuja or Lagos embassies instead of sending their documents to the embassies by FEDEX. I hope this helps to calm you down.

Keep yourself informed, don’t call folks idiots because they disagree with you on certain issues. You can always make your points without calling people names.

Next time remember that this thread is for Treasury Bills.

DMerciful:
Thank you. Can you control like roll it over, terminate, invest more using this online platform?

It’s not like I-Invest app. On the Gtb online banking platform, you can only view your tb investments and nothing more. If you want to invest , roll over or terminate you have to talk to your account officer and he or she will carry it out. I have been in tb for many years and I have never visited my banks. I always send emails with an attached pdf file of official letter/instructions to my account officer. I use Gtb and first bank and it’s pretty simple. Now I use Gtb often because my 3 account officers are very reliable.

DMerciful:
Please how can people in diaspora monitor and control their Treasury bills investment? Are there banks that offer this service?
I am not interested in the I-invest app. What other options please?

When you login to your Gtb account online, you can monitor your treasury bills. Gtbank lists all the details of your tb investments.

faoogoke:
Leave the bank. I just left them

It does not make sense to me when you tell folks to close their accounts with a bank because of a particular experience you had with a particular branch. I have been with GTB (Ikenegbu Owerri branch) for over a decade and it’s been a wonderful experience. At Gtb, I have 3 account officers with their phone numbers and email addresses listed on my online banking platform. I have unhindered access to all of them. They respond to emails, phone calls, text messages and Whatsapp message/calls. I also bank with First bank and it’s been an awful experience when dealing with my account officer over there. The issues I have had with my account officer at FBN does not mean that I close my accounts. All I did was to request that my account officer be changed.

Bro if you close your account whenever you have issues with a particular branch, one day you may end up not having any bank account in Nigeria. Demand that your account officer be changed if she/he is not reliable. You do this by sending complaint email to their headquarters. Whenever I have any issue with my branch, I don’t complain to my branch. I send emails to the contact center copying the bank’s complaint unit and my branch, and within 24 hours that issue is resolved. But in the event that the issue is not resolved in 14 days, send an email to Consumer Protection Department
of the CBN at cpd@cbn.gov.ng. Make sure you copy your bank on this email. From my experience, it takes less than 24 hrs to have issues fixed when you complain to CBN.

I hope this helps folks having issues with their banks.

Zinny18:
Should we withdraw our money and TB from GTB. I don't really understand what's up with them oo

“WHAT DOES THE COURT RULING MEAN FOR THE REST OF US?

First of all, your money is safe. A Writ of Fi Fa prohibits the bailiff from seizing the goods of third parties. Account holders with GTBank are the third parties in this context, and their monies are the goods in question. Neither the court nor the bailiff can touch the money in your account towards offsetting the judgment debt. Apart from this, all monies deposited with Nigerian banks are insured by the Nigerian Deposit Insurance Corporation (NDIC). In other words, even if GTBank or any other bank was undergoing a hostile takeover, being acquired, merged or winding up, your money would still be safe and retrievable.

Except if the bank itself wishes to make any changes, the court ruling does not impact the management of the bank. Innoson Motors also does not own any part of GTBank by virtue of the court ruling. Cast aside the memes and blog headlines you’ve been seeing. GTBank profit after tax for the financial year ending December 2017 was up to the tune of N170 billion. The bank donated up to N870 million for charitable causes in same period. It would take more than a N8.7 billion debt to ground the bank, or render it incapable of dispensing its services. It might lose some of its physical assets such as bank branches and the equipment therein towards offsetting the judgment debt, but that is as far as the judgment goes.” Excerpt from Innoson Motors v. GTBank: What the Recent Supreme Court really means for lawyers, customers, and the general public by Akintunde Agunbiade | Apr 1, 2019 | on Lawyard.ng

Last time I checked, U.S. Embassy in Nigeria is still using Gtbank for payment of visa fees.

Please do well to keep yourself informed. Don’t create unnecessary panic for yourself and for others. I hope this helps you. God bless.

pscindustries:
MAKE TODAY COUNT AND POWER YOUR HOME WITH UNINTERRUPTED POWER SUPPLY FROM FREE SUNLIGHT

Could you please tell me what’s needed (equipments+price) to solar power a home with 2 led smart tv(50” and 39”) , 1 hp AC, 1.5 hp AC, 1 freezer, 1 fridge, 4 fans, microwave, multiple pop bulbs, charging phones and laptops. These appliances are not necessarily gonna be on at the same time but just to give you a clue as to what price range of complete solar kit I am looking at. Thanks for your time

eagleeye2:
To the gurus in the house, I have a nagging question.
What happens if I have a yet to mature T.bills still running and an event such as death occur. How can my dependents get my money when it reverts back to my account?

Good question. That’s why you need to have a Last Will and Testament made. Approach a lawyer to help you prepare one. I am still a young man and I don’t have too much wealth but I have a will. In this country we are afraid to talk about death but surely it’s a reality. If you have any financial investments no matter how little, secure them for your loved ones by having a Last Will and Testament. I will not repeat the mistakes of my parents and grandparents.

ahiboilandgas:
https://www.google.com/url?sa=t&source=web&rct=j&url=https://walletinvestor.com/forex-forecast/eur-ngn-prediction&ved=2ahUKEwi_k_2_itXeAhULKlAKHbXBA24QFjAAegQIBxAB&usg=AOvVaw3hUoiHJFK9mbXJ6mcBhAV4...euro is expected to hit 730 to naira by 2023 ...

I hope you don’t use that site for your economic indicator. Earlier this year, it predicted $50000/BTC and $10000/ETH EOY. Be careful with these predictions. God bless.

I see that some folks intentionally or unintentionally want to derail this sub. For the past few days, I have noticed name calling, insults and pride on this sub. We must not forget that our forum was started by Feelamong on Feb. 24, 2012 for the purpose of helping folks understand and invest in NTB. Today I am a beneficiary of Feelamong’s ingenuity. It will be nice if we keep this forum for NTB.

For those talking about inflation and saving in dorm accounts, you can start a sub on inflation and I know many folks here be willing to subscribe.

Few years back I flipped all my Usd to naira at $/492 and invested all in treasury bills at 18% interest rate for 364 days. Today it’s $/360. When I flipped $ to ₦, some of my friends flipped ₦ to $ predicting $/1000. They said naija was going to burn down but the good Lord did not allow our country to burn down. No body knows tomorrow. I could also have been at loss and still can if ₦ depreciates a lot in future.

My point is that this sub exists to encourage Nigerian young people to cultivate the culture of saving and for me NTB is a zero risk way to achieve that.

Please let’s keep this forum only for NTB investment and please stop all personal attacks. We are all here to learn from each other. Blessings folks.

Ramj:
Please I would like to know if GtBank issues TBills Certificate if you invest through them

Not sure but if you do online banking you will see all your TBills details when you login into your account.

dotcomnamename:
Lol.. Chaiiiii laugh won tear my bele O!

Treasury Bills is more than 40 year old no history of default by CBN and Nigeria. They are debt instruments used by the government and there is ZERO-RISK. We just dey laugh some unrealistic claims on this thread Lol.. 9ja I hail una O!

You are absolutely correct. When we advice new folks to read from page one of this sub in order to understand how we arrived here, some of them will become hostile. We have been investing in NTB for several years without any issues but now folks like Gonfreecss1 jump out of the woods to lecture us about risk in NTB. My advice to young people here: Save, save, save and NTB is a zero- risk way to achieve that.

Grupo:
Don't be so quick to speak.

Sometimes, simple questions like "will there be auction today?" is often met with answers like "read previous pages" Now, tell me, how does such a question suggest that the inquirer hasn't read about what they are investing in?

I am not against asking questions here but don’t be mad at folks when they tell you to read previous page(s). If I have been away on this thread for so long, I don’t start reading from the current page when am back but I return to the exact page I last visited. Peace brother.

Grupo:
Many people on this thread are so rude. The time and energy they use in typing insults and saying things like, "read previous pages" can be enough to answer a simple YES/NO question. Mtcheew.

I don’t blame PMB when he said ‘some Nigerian youths are lazy’. You are insulting folks for telling you to take time to study and be informed of what you are investing in. Now I see why MMM was very successful in Naija.

Jafsent30:
Finally someone with proof and evidence but what about the withdrawal process cause that's where the problem is

Please click the FAQ link below and keep yourself informed. There is no problem with withdrawal. In the past, I have made some withdrawals from this app to my bank account without any issues. It was smooth like sending from your mobile bank app to another bank account. Please click the link below and get more details.

http://i-investng.com/#faq

Jafsent30:
have anyone tried this?
cause I can't seems to find any review online and also they're getting promoted by Sterling bank

I am using it at the moment. For me it is risk free, legit and convenient. Interest is not not paid upfront but daily. You can choose what term and rate you want and are able to monitor your investment on the app. This is one of the most secured investment apps I have ever used. Click (copy & paste in your browser) the FAQ link below and that will give you an insight how this works.
http://i-investng.com/#faq
Below are the terms and rates they have as of today.

Disclaimer: This is not an investment advise but only telling you that I am using the app to invest at the moment and I have had no issues. You can make your decision whether to use it or not.

AlienDude:
Graceland Layout is a very fine place to buy land. Buildings are springing up there very fast, I mean very very fast!!!. The layout is very genuine, the way building are been erected there will tell anyone it's a genuine layout, I personally verified it with the Enugu Town planning Authority and Ministry of Land. It's adjacent Golf Estate, on the other side of Enugu-Onistha expressway, just before the flyover leading to New Market. A plot there is in the range of 5mil-2mil. You could be lucky to get as low as 1.5mil, but this type will be either close to the hills or on the hills. The money covers agent and lawyer fee. The area is just too juicy! Zion Estate, located on the hills, is close to the layout

Another good area is Aruga layout, it's located behind centinary city. The layout is very huge, about 2.5k plots of land within the layout. It was part of centinary city but the community had a fallout with Privates Estates, the company in charge of centinary city, so they took their land back from Private Estates. A plot there is in the range of 1.5 to 3mil. I personally know the Town planner who planned the layout. If you can't buy land within the centinary city, please make effort to buy land in this Aruga layout. In 3-5years time you will amazed how that area will change.

Am not a land Agent but I stay in Enugu, and I got to know about these areas while searching for land to buy in Enugu.

Thanks for your response. How fast do you think Graceland will develop to golf estate status. What type of buildings are springing up there and are they well planned? Do you know if government has interest in road constructions in the area. Thanks for your time.

spyder880:
No, I don't know Graceland estates, and Golf course estate is not around Nkwoagu Udi but in Enugu GRA.

There's a planned estate around Nkwoagu Udi, but not much is happening there. I passed there today and its still bushy.

Thanks brother. I appreciate your response.