₦airaland Forum

ositadima1:
12.5% ? So it's this bad, see as i dey wait for TBills to appreciate so I can do small, be like say mutual funds better pass at 16% .

People seems to be after maximum profit.

I feel from my own POV the quote BTW 10 - 13% is fair enough or OK. There's absolutely nothing wrong with 12.5%

Imagine you have 10M at 10% for 364 days, it practically will gift you 1.2M/yr which will make do.

Na excess profit make people dash MMM their hard earned money just for nothing, I'm not sure if they're still any believers left....dey don change ministry.
Na excess profit make people use #100 play 31 games for bet9ja dey wan win millions, and na 1 game dey always spoil am.
Na excess profit make my colleague go use him savings buy dollars at the wrong time and now, he don almost bite all his fingers comot.

Everybody wants to hit goldmine in a night

Meanwhile I'm not saying excess profit is greed ooo because I can smell gun powder from a tested gun already
Make I run Comot here before something disasterrific happens

This looks so funny.
I closed down my Ecobank account to invest in MM even though I went to hell and back before I could successfully shut it down barely a month ago.
Only today, they sent me a thank you message for using ecobank and credited me with with 12grand.
Are they trying to lure me back or what even though I'm impressed.
This is one incentive I can never get from gtb

wills2437:
a London used Samsung tab 2 10.2 display screen ,7000mah battery,32gb inbuilt memory and also support memory card,uses sim and WIFI ENABLED.D POUCH ALSO INCLUDED. PRICE-45K LOCATION-LAGOS WHATSAPP NUMBER-09081124599

I'll give you a call

TONY56:
No please.
I prefer that we discuss on this thread so that everyone can benefit and probably add their voices too. If its an issue that can't be discussed here, then l am sorry that I won't be part of it.

I admire your POV. It's actually personal and has nothing to do with the purpose of this thread.
I might have to figure it out in the end though.
Much appreciated Mr Tony and God bless

TONY56:
What most people appear not to understand is that Money Market is largely Treasury Bills and stock market driven because that's where Money Market Operators invest their funds largely.

Having said that, Treasury Bills bought at a particular rate does not change throughout the tenor but the rate of MM today can change any day as it fluctuates. So if you are told that MM rate today is 18%, the factors that shot it up today MAY bring it down drastically tomorrow.

Tell me, can those who bought MM last year July when TB was 18 5% get better returns than those of us who opted for NTB same time at maturity? The answer is No because NTB rates have been heading south wards since then and the slide is very likely to continue further. Similarly, those who bought NTB now at 13.5% MAY not get better returns at maturity than those who invest in MM now IF and only IF NTB rates and stock market continues to improve steadily.

In other words, MM though good, is like a gamble (though you are not likely to lose your capital) while NTB is not because as you're locking your money in, you know what you're going to end up with and you get your interest upfront which can equally be re-invested for better ROI (return on investment)

You see, it's a big credit to the lady in the bank who was able to convince you to go for MM because the bank stands to gain from it and bet you, the lady is not likely to ask you to opt out for NTB any day. All she will be telling you is "don't be in a haste, it's still going to out perform the NTB" even if it's obvious that you should move over. Also, remember that MM is not tax free and the bank too collects certain percentage as their part of their profit. Another minus for MM is that if your bank for any reason should go under, your funds could equally be affected but if it's NTB, your investments are safe because that investment is with the Federal government of Nigeria and not your bank.

The choice is however yours and all I have written is not an expert opinion but the way I see it and that's "MY STANCE" as requested by you.

Thanks you for the light. Actually I have a target to meet by Feb ending but as at the 10th of this month, my target was like 3\4 up so while I was holding up to meet the the last quarter, she advised me hence to invest the 3\4 in MM while waiting for the last 1/4 so that by month end, I'd have had a ROI for 2 weeks instead of dipping my hands into the cash and then I can move the whole sum plus ROI to TB.
Apparently with what you said, I'll have to move my funds to TB as soon as the last quarter takes the front row ignoring her "I'll monitor the rise and fall of TB for you to know when its appropriate to move your funds."
Thank you so much MR Tony and God bless your wisdom.
Please can you kindly mail me your number at chux505@yahoo.com? There's an issue I'll like to discuss with you in private if it's not going to be a problem to you.

Pls I'm looking for anyone here who might be interested in selling his tablet. Need 1 ASAP with high hopes the tablet is in good working condition.
Call/WhatsApp me 08080882505

Hello Mr TONY56, you seem well acquainted with this governmental bonds. Wanted to know your stance in this.
I went to AXA MANSARD an affiliate of GTB to buy TB recently. After so much lecturing, the lady behind the desk advised me to opt for money market ATM instead of TB since MM has a higher rate. It was about 15.84% against TB at 13.72 both for a tenor of 364 days. Difference is MM has its profit rate calculated based on change everyday unlike TB if the rate is 13% and you buy today, that's the rate your interest will be calculated for the tenor.
Although I bought into the MM after she convinced me that she'll monitor the TB rates so that if it increases above the MM, I can move my funds to TB.

Why all the fake news? That was never funke. That lady is Michonne. One of the big casts of the walking dead series.
Looks like I'll be turning off my TV during news hours these days.
Fela even said it......truth Don die

trux:
Plat 35 metal gear solid V

Games are more interesting when you are a trophy hunter i remember when i first play this game wasn't this intresting and was very diffecult.

This has enter among my favorites games

That's the spirit man

Noccerino:
10k

Drop your contact number. Serious buyer
Looking for Resident Evil 7 too

trux:
Is like i will start playing all this small title game

This really isn't a small titled game. It looks though but it's highly rich in adventure hence a standout hehehehehehe.

Who has resident evil 7 for sale?
Serious buyer

PLATINUM 90 Beauty may be in the eye of the beholder, but it's hard to imagine any beholder finding Trine to be anything but beautiful. Elegant backgrounds, Rays of golden light, Giant mushrooms, and ivy and brambles climb the walls of crumbling fortresses. This is the kind of world we imagined when we read storybooks and dreamed of far-off kingdoms and enchanted woodlands as children.
So lovely game

JAYfreezle:
I have resident evil biohazard, UFC and last of us for swap... call or WhatsApp 09097790817

Interested in your Resident Evil for buy specifically

FetchUK:
Game is pending sale for 16 on Friday.
Please WhatsApp on 07061964975 for further information about status/availability of another.


Yes, for sure I'm still kicking sir.

We have other titles such as
Destiny 2
Project cars 2
AC Origins
Titanfall 2
Gran Turismo
Resident evil biohazard
Shadow of war xbox one
PSVR based titles and many more.

Search for FETCHGAMING on Jumia for more titles.

How much will the resident evil go for?

I'm in need of Resident Evil 7 asap.....anyone interested in selling?
Lagos based. You can quote me or SMS 08080882505/09099070009
Thanks

[/b]PLATINUM 89[b]: It'll be more interesting to see a "Sherlockian tale vs Dark Knight rises" .....Lock, Stock and two smoking detectives.

[/b]PLATINUM 88:[b] The first impression about this game isn't entirely wrong. Over the course of a 12hour game, the erratic directing, cliche-ridden writing and frustrating QTEs initial killed my love for this game until I approached the mid section of the game. I'll say this is the most important mediocre game I've played in a long time.

PLATINUM 87: LATE SHIFT.....This is a game I'll love TTGs to be tailored like graphically. Equally has a good crime thriller storyline and totally enjoyable. Downside is you'll have to run the game on 7 playthroughs.

Papadoh:
That's not something you should brag about.

Absolutely he's right Papadoh otherwise I'd be throwing in my boast of world rank - 39'622 and country rank - 4'891.

DaddyYoo:
will you sell for 12k

SOLD

DaddyYoo:
I'm interested

I know you're interested and that's why I put up the price and number bro

Available for sale
08080882505- sms/calls only
Rice 15k


SOLD!!!!!

justscorchone:
COD ghost
Deus ex mankind divided

Both won't even sell for 15grand bro

justscorchone:
Let me give you two games for your fifa18

Namely;

FIFA 18 up for sale @ #15'000
08080882505....

umarwy:
Any fortnite players here?

Is this game that great? I have 2 friends that's engrossed about it

youmour:
No I'm not a trophy hunter I was just determined to plat that particular game.whats your Psn ID

Chux505

justscorchone:
Oh nice,I can finally plat second son..thanks sony

Are you also a hunter? Not entirely sure I have you as a friend in my psn list

FOR SALE: 110grand.
REASON: I'm done gaming. Need to have more time to spend with God, my bible and other spiritual books as I've spent gaming in the past.
LOCATION: Lagos. Outside Lagos can be worked.
ADDITIONAL CONTENTS: Lots of games inside;
101 ways to die
Adam's adventure
Back to the future
Battlefield 1
Bloodborne
Clockwork tales
Days of the tentacles remastered
Deponia
Destiny
Duke nukem
Enigmatis
Ether one
Everybody's gone to the rapture
Far cry primal
Final horizon
Game of thrones
Goat simulator
Goosebumps
Grim fandango
Guacamelee
Her majesty spiffing
Hitman GO
Infamous first light
Jazzpunk
Knee deep
Lara croft GO
Lords of the fallen
Metal Gear Solid V PP
Monopoly plus
Need For Speed 2016
NERO
Nightmares from the deep
Nubla
Orc slayer
Peggle 2
Pure chess
Resident Evil 5 & 6
Rocket league
Saint's row
Sherlock Holmes devil's daughter
Snoopy's grand adventure
Sound shapes
Tales from the borderland
The bunker
The legend of Korea
The witched
The walking dead 1, 2 & the new frontier
The wolf among us
The world of nubla
Trine 1, 2 & 3
Uncharted 4
Valley
Virginia
CALL: 08080882505/09099070009
N:B: MY ACCOUNT HAS A PS PLUS DUE TO EXPIRE MARCH 2018. YOU CAN USE MY ACCOUNT IF YOU WANT AND EXHAUST THE PS PLUS.

cao:
LiS isn't Telltale...

Oh sorry that's true. I've done this mistake a couple time even though they are similar only LIS has a better calm and butterfly effect than copy machine of most TTG's.
One major flaw I dislike most in TTG's is the limited time for your choices you make compared to LIS. I think they should correct that.

cao:
June 2017

Killing Floor 2 (PS4)
Life is Strange (PS4)
Neon Chrome (PS4, PS Vita)
Spy Chameleon (PS4, PS Vita)
Abyss Odyssey (PS3)
WRC 5: World Rally Championship (PS3)

I already own LiS, this was the game that got me into narrative based gameplay. It's worth it.

LIS is the only easiest platinum of the 3 platinum enabled ps4 games. Virtually played all TTG and i'm waiting for the next.....GUARDIANS OF THE GALAXY