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Caracta's Posts

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BusinessRe: See What BVN Will Cause All Nigerians by Caracta(f): 10:34am On Jun 21, 2015
See OP's PAN in full display! Mehn...those numbers can do wonders. Hehehehe.
InvestmentRe: Fixed Deposits Or Treasury Bills, Which Is Better? by Caracta(f): 10:27am On Jun 21, 2015
ogawisdom:
TB interests r jst too low with rates generally below 12percent pa and one can get fixed deposits interest of up to 10percent pa n interest paid monthly n everything more flexible. Fixed deposits can be terminated quicker if there is an emergency n u get ur cash, it may take longer with TB.

Fixed deposit is d better choice if u want quicker access to ur fund if there is an emergency
Thank you. You can even get 11% in fixed deposits depending on your bargaining power. It's more flexible. The only disadvantage I see is the tax on your interest.
CareerRe: Any HSE Professionals In The House? by Caracta(f): 9:12pm On Jun 20, 2015
adeoye201:
you can get OSHACADEMY USA training and certificates within 4 days at a very moderate cost directly from USA.pm me for details
Hello Mister. Hope you are doing great. Something just came up. Please tell your "friend" to contact me as soon as he can.

Thank you.
Jokes EtcRe: Which Rat Will You Kill First, Why? by Caracta(f): 7:33pm On Jun 20, 2015
adexsimply:
Oh my gawd... I'm rolling on the floor right now grin
That's a lie. tongue
RomanceRe: World's Most Expensive Engagement Rings, Weddings, And Cakes. by Caracta(f): 7:03pm On Jun 20, 2015
Oh Sile12 sad



Kim Kardashian scammed Kris Humphries. That guy was willing to give an eye for her.
CultureRe: African Americans Of Partly Hausa Descent by Caracta(f): 6:03pm On Jun 20, 2015
Bullshit! Anthony Anderson is Jaybee3 and he has no Hausa blood cheesy
BusinessRe: Sterling Bank Gives Customer Smart Phone For Opening Sterling Plus Account: Pics by Caracta(f): 5:57pm On Jun 20, 2015
Do you guys know the minimum balance on a sterling plus account? I bet you don't. Lol. The minimum balance is enough to buy a smart phone.

55k isn't for an average Nigerian.
InvestmentRe: Fixed Deposits Or Treasury Bills, Which Is Better? by Caracta(f): 4:37pm On Jun 20, 2015
Acidosis:
Thanks for the explanations

Can one walk into any bank to purchase treasury bills? If No, which options are available and who exactly should one meet?


Thanks sir.
Any bank you have an account with. Visit the customer service desk. Not all banks allow you to bid. You just have to take the bank rate so it's difficult to speculate.
InvestmentRe: Fixed Deposits Or Treasury Bills, Which Is Better? by Caracta(f): 4:32pm On Jun 20, 2015
Seun:
So fixed deposits are riskier, and for that extra risk you get the privilege of earning lower interest rates. That makes them a dumb choice.
If you want a lesser tenor like 30 days, fixed deposit is a good option. It's a quick fix and it's flexible. Besides, how do you measure risk? Some commercial banks can be projected to be 'alive' for a couple of years. If you play your cards well, you can get higher interest rate than treasury bills that is not stable in rates.
InvestmentRe: Fixed Deposits Or Treasury Bills, Which Is Better? by Caracta(f): 11:52am On Jun 20, 2015
jaybee3:
I guess banks have different rules when dealing with both instruments.

What i described has been my experience in the past few months
Alright. I agree.
InvestmentRe: Fixed Deposits Or Treasury Bills, Which Is Better? by Caracta(f): 11:43am On Jun 20, 2015
jaybee3:
Fixed deposits are rolled over by default

Who am i to argue with you sef aunty caracta
Lol. Fixed deposits should be rolled over ONLY at the instruction of the customer. That's the normal thing to do. I can sue any investment house (or bank) that rolls over my investment without my instruction.

But then, who am I to argue with my uncle jaybee? tongue Your experience pass my own. I'm a learner.
InvestmentRe: Fixed Deposits Or Treasury Bills, Which Is Better? by Caracta(f): 11:38am On Jun 20, 2015
jaybee3:
You still need to instruct them to do so and it's possible for subsequent bids to be unsuccessful
You need to instruct in the case of fixed deposits too. I've not seen a declined treasury bills roll-over request. Interest rates may differ, I agree.
InvestmentRe: Fixed Deposits Or Treasury Bills, Which Is Better? by Caracta(f): 11:28am On Jun 20, 2015
I beg to differ. Treasury bills can be rolled over with ease.
TravelRe: Captain Hadiza Lantana Oboh, Nigeria Airways’ First & Only Female Pilot by Caracta(f): 12:04am On Jun 20, 2015
I read the entire story. So sad and unfortunate. But really, after months, the police still found the dried pot, rope and blood stains?

And she died just like that. A very successful woman cut down in her prime. So so so sad.
CrimeRe: Nigerian Man In Britain Who Stabbed Mum To Death Is Sentence To Life In Prison. by Caracta(f): 11:39pm On Jun 19, 2015
Scrypt:
[color=#000030] smiley.[/color]
undecided
CrimeRe: Nigerian Man In Britain Who Stabbed Mum To Death Is Sentence To Life In Prison. by Caracta(f): 11:26pm On Jun 19, 2015
Such a sad story.
FamilyRe: A No Reception Wedding: How Feasible? Come In, Let's Discuss by Caracta(f): 9:44pm On Jun 18, 2015
Very possible. I plan to have a non-reception wedding as well, just like my brother.

You could go the Registry way or the Church-only way.
PoliticsRe: Ibim Semenitari Reacts To The "Invasion" Of Her Home By Rivers Govt Officials by Caracta(f): 9:17pm On Jun 18, 2015
Many Nigerians have comprehension problem.

They simply cannot read! Or when they read, they do not understand.
PoliticsRe: Aisha Buhari Launches Sickle Cell Awareness In Abuja, Today (photos) by Caracta(f): 9:05pm On Jun 18, 2015
MizMyColi:
What's that? huh
Let's just say words speak volumes. I'm just surprised is all. cheesy
PoliticsRe: Aisha Buhari Launches Sickle Cell Awareness In Abuja, Today (photos) by Caracta(f): 8:54pm On Jun 18, 2015
MizMyColi:
Mrs Osinbanjo looks unhappy.
Does she have an inferiority complex or are certain issues weighing her down?

I wish her well.
Same MizMyColi? Seriously? huh
CelebritiesRe: More Beautiful Pictures From North West Second Birthday At Disneyland by Caracta(f): 7:02am On Jun 18, 2015
sinaj:
itz a fruit juice in a 4 litre gallon they always mix it with water coz of d sugar.

itz not nutri c at darmys.
Jucee or Tasty Tyme.
FashionRe: Lady Wears A Bum Short To Young-Shall-Grow Park Onitsha (pic) by Caracta(f): 2:31pm On Jun 17, 2015
Honestly I don't see this as a big deal or front page worthy.

Some of you need to leave the village and visit cities once in a while.
EducationRe: 5 Things You Don't Know Have Names.(pictures Included) #1 by Caracta(f): 10:59pm On Jun 14, 2015
Thank you!
FamilyRe: This Is What Parenting Look Like. by Caracta(f): 2:03pm On Jun 14, 2015
Lmao. Keep eyes on them ALWAYS. You can't help but love them.
CelebritiesRe: Jackie Chan Passed Away This Morning. by Caracta(f): 1:49pm On Jun 14, 2015
I just hate it when bloggers wish my uncle dead.

Are you crazy?
CelebritiesRe: Dayo Okeniyi Celebrates His 27th Birthday Today! by Caracta(f): 12:14pm On Jun 14, 2015
Dayo makes black beautiful.

Happy birthday.

@OP, pls DAYO is not pronounced as "Die-o". What rubbish is that? DAYO is "Dah-yoh"
CelebritiesRe: OMG! Toke Makinwa's Fans Attack Maje Ayida After He Deleted Their Comments by Caracta(f): 12:09pm On Jun 14, 2015
Whoopps! That's pretty messed up. The guy should just disappear. Girls are not smiling. Nigerians can react sha. One even said she cried. I really don't know Toke but I feel sorry for her and the baby on the way. As for the baby mama, smh.
CelebritiesRe: Long Time! Styl-plus Pictured With Faze by Caracta(f): 11:48pm On Jun 13, 2015
Oh Zeal! kiss kiss


Styl Plus, stay away from Faze. You should be with super-successful artistes. Try selfie with P-Square, Tuface, etc. tongue

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