₦airaland Forum

Cation:
ARM money market fund just rose to 13.82% today.management fee will be deducted anyway.

Is my principal guaranteed with them? Make I google first. I need to sink something in ASAP and these TB rates are not it at all. Pls respond.

Will be buying from u soon.

wow! Just like that?

nickxtra:
And you are the yoke of a rotten egg.

Relax, he's right you know. You are indeed a definition of stupidity. Go back and read your first comment. Have a nice day.

largeman4u:
Mr Emeka try and inquire on the Cost of shipping a Golf4 from USA to Nigeria @ N222 to 1 dollar and the clearing cost @ Apapa tincan port.
i really appreciate your comment. but my margin on the Golf4 is very slim. but it is a accident free and very good ride.

Ahaps! Na you know why you decide ship in G4. To transfer that cost on to the buyer is gonna be quite a hard sell. Nice ride though.

How is being absent now a boycot? All mentioned are not around for obvious individual reasons. Now one yeye mod will now rush this to FP to generate more hate-filled back and forth between nairalanders. Which yeye boycot?

Wow! ...and you wonder why the herdsmen speedily slice and dice villagers who complain about their farms being vandalized by their cattle. If they can roam the FCT freely, wetin con be village?

Flye:
If you are sure of yourself and u believe in truthfullnes and fair play, u wouldn't mind that Immigration want it done again because u will always get it if u trully merits it.

In this country? Just listen to yourself abeg. It doesn't happen that way even in saner climes. Talk-less of this jungle.

P.S. You can either understand the reality of my post or bring counter-points which are merely academic. Lwkmd! "You will always get it..." Buy yourself a map please.

Twoboys:
Transparency? So why and how where they dismissed?
Mitigation? This are youths who just got training in arms/weapon handling, being thrown out into the unemployment market. What are the implication on society and what's the mitigation?

At least, if a few of these guys could get together and and form a group, get one or two sponsors and put their weapons training to use just randomly killing a few innocent Nigerians consistently for the next few months, a committee would be set up to grant them amnesty and put them on a monthly payroll twice what they would have earned as legal recruits. This sounds like a mere wish, however, this is fast becoming our reality in this country.

funlord:


They should park well after all their appointment was a political appointment! No merit in most cases! See the protest numbers sef like say dem wan buy akara!

They should park well because you have more rights than them as regards being a citizen of Nigeria? Those are people fighting for their rights. Every recruitment is political until the name of your loved one shows up on the list. Nonsense.

...and oh! Before you get all emotional, I don't know anyone who got enrolled in the process. It's only logical that you don't cancel a process just because it was carried out by a previous administration. Except the PDP/APC e-battles have taken up any available space for commonsense in your head, you will agree that there is nothing wrong with Nigerian youths who feel disenfranchised, fighting for their rights.

I stopped reading at ”We will setup a committee..."

Well, I've learnt not to buy the type of extinguisher pictured above. Found out a year ago that both i had were fake.

2dice:
That is it Only

Well when a lady is with you that is the Only time she is your Boo..
The moment she step Outside
She is for everyOne

I've heard this a lot and it's still sounds scary to me. I want to believe there's something better jare`.

This is what happens when a man mistakenly overdoses on expired Postinor 2.

jaxxy:
Honestly speaking I Ws going to take ur post seriously and apologize/explain y I cudnt put up more pix rite away only for me to discover u did similar thing on a car u r also selling and only put d interior pix a month later and looking at Manner in which u spoke I Ws a disappointed.

I like to state dat serious buyers and even dealers hv been calling me for enquiries with out d hassles u gave here. I will try to upload d pix as soon I can. Thx

This was in September. Are we going to have clearer pictures now?

vodkat:
Propaganda , they have been showing the same picture year after year. Besides where in the north has that kind vegetation?

A learned (I assume so) human being is asking this? Ignorance is not an excuse. I believe you are absolutely convinced that the North is made up of only dust and sand. If you can't explore, please read.

...and so the nairaland autos section continues down the drain.

Do you have the external HDD's now?

Lagishan:
How many other people that dropped out from school made it compared to those that finished their education and end up comfortable?

That question is best answered 10-15 years after you graduate and run into those you thought would be eating grass for the rest of their lives simply because they were 'weak' students during your 4 years together in school. In our society today, there are too many people walking about who absolutely believe that life is a part of school. How sad.

Very stupid way to approach people. Desmond wasn't even harsh sef. What nonsense?! See the eediot stalking abeg. Is it by force?

DAVIYJONESS:
Since early 2000 nigerian guys have been working tirelessly discovering nigerian girls tricks/cheats/deception. For example

* knowing when your GF is cheating

* knowing when she lies to extort money from you.

* Knowing their natural skin/ hair.

* knowing when she is wearing butt pad and boob pad

* knowing you has been friendzoned

This is where I stopped reading.

AnyibestDede:
Its very hard to please a NIGERIAN

Extremely hard.

christinie:
You are surprised I asked huh?


I asked because they are making it appear better than real estate but you and I know that it is not.

Honestly this isn't a real estate vs Treasury Bill thread. What if we all started comparing various low-risk investment options available in the world? It'd defeat the purpose of this thread. Enough of the derailing already. Create a separate thread for arguments please. Seun abeg do something about this biko so we can all concentrate on T-bills, auction dates, compounding strategies et al.

coderXO:
Thus, those here putting money into these bills here should be putting their money into their businesses rather.

Unless of course, not everyone owns a business. Even if they did, a whole lot of startup businesses wouldnt turn a profit in the first 3 years and they still require a hands-on approach from business -savvy individuals. T-bills just let your money do the work while you can face other things.

coderXO:
It is worthwhile to know the pros and cons.

Some are sounding as though TBills are fool-and-error-proof investments.

Trust me, in some cases and a weak economy, you are just offsetting price inflation at the end of your bill/bond term.

You will agree with me though that a lot of people know the pros of real estate, however, if we are being practical as regards this thread and a lot of us, there aren't that many who can readily raise the high capital required to develop profitable real estate and still "stand well" (if you get my meaning) for the short/medium term.
T-bills work for a lot of folks (minimum risk/hassle-free) and if more people were informed on how it worked, many would gladly go with this form of investment.

Moses247:
Lol Just Incase We Forgot, This Is Not A Real Estate Thread ooo biko, it's Treasury bills ooo...enough of this real estate stuffs.

gbam!

Tapout:
op sorry o....




meanwhile I do 80km sometimes on my 400m+ street....I conclude with a swift hand braking n a 5 seconds drift into my close

Really nothing to be proud of; rather on the contrary. Almost anyone can step hard on the gas. Common sense only dictates where and when.

AmeLonRo:
I want a simple clarification please.

On TB 91 days is what %= 1/4 of stated %
182 days is what % = 1/2 of stated %
364 days is what %= complete stated %

When they say 13.85%, it refers the to the % accruable upon maturity on a 364 day period just like in fix dep.

Naijainvestor:
Reinvestment risk is the risk of not finding appropriate investment when one investment matures. If you invest in FGN Bond with 15% coupon for example and maturity of 25 years, you are assured of the 15% for that period whether interest rate goes up or down.

On the other hand if you invest in TBill that pays 15% for 364 days, you are not sure you will get another one with similar interest after 364 days. That is what reinvestment risk is all about
To compare coupon bond with a discount instrument, you need to calculate the bond equivalent yield otherwise you will be comparing apples and oranges

I may not be able to show you how to calculate it here as it involves many steps but I have it calculated for all TBills and may post it on the web site for Quantitative Financial Analytics

That would be awesome.
Thank you so much.

Naijainvestor:
You cannot compare TBill and Bonds just like that. To do the comparison you have to calculate the bond equivalent yield for the TBill
You also assumed that you will get the TB at 14% for the entire 5 years which is most unlikely
You forgot that TBills have higher reinvestment risk than bonds

Good try though

Please can you explain more on the bolded? I'm planning to put something away soon with the hope of holding for 20 years min. Which would you advise? TBills or FGN Bonds? I've always thought TBills but clarification is needed on that "higher reinvestment risk" you stated. Thanks.