₦airaland Forum

iammo:
Cele and Cherubim are Christians who decided to apply the writtens and books of father moses... which included the practice of candle spell/prayer, river bath, evoking the power of psalms like an incarnation, making a worship place sacred and not allowed to menstrating women, and using other names of God like Jehovah adonai jah Elohim etc in prayer

Bottomline they share similarity with Jewish Judaism but in a Yoruba cultural settings

Thanks brother.

Pascopele:
Who borrows from you?

When you buy treasury bills you are basically lending money to the government (through the CBN) with a promise to pay back over 91 days, 182 days or 364 days. With Fixed deposit however, you are lending money to a bank or investment house with a promise to repay you at the expiration of the tenor (usually between one to twelve months) If you do not like to lend money to the Government then Fixed deposit is better.

What is the risk?

Treasury Bills are backed by the full faith and credit of the government and as such they are seen as almost risk free because it is very unlikely that a government can go bankrupt and not able to pay its loans. Besides the government has a tax revenue stream it can use to repay its borrowings. I am not aware that the CBN has ever defaulted.

Fixed deposits are backed by the credit rating of the bank. Unlike when you borrow from the bank, the bank does not give you any collateral when it borrows from you. However, it is obligated to pay you your interest and principal when it falls due. The bank can however default when it goes bust as we have seen in years past. When a bank fails, depositors may lose all or part of their money, including fixed depositors.

If you are weary of risk then treasury bills is best for you.

Who gives a better interest rate?

The higher the risk the higher the reward is how financial markets play and as such one will expect Treasury bill rates to be lower than fixed deposits rates. However, other factors do come into play that makes it change. Currently, Treasury Bills rate post a better rate than average fixed deposit rates in Nigeria despite the latter being the riskier of the two.

How do I get paid interests?

Some bank pay you interest at the end of the period along with the principal. Some also pay interest upfront depending on what you negotiate. Interests on Treasury Bills are paid upfront only and pays your principal at the end of the tenor.

Which one pays the most taxes?

Treasury bills are exempted from taxes, so taxes are not deducted from your interest payments. However, you are likely to pay a fee to the bank for rendering the service on your behalf. The fees are very small and almost negligible in my opinion. Interests on Fixed deposits attract withholding tax rate of 10% deductible at source by the banks and to be remitted to the relevant tax authority.

If you don’t want to be taxed then Treasury Bills is it.

Can I roll over my investments (interest and principal)?

Fixed deposits can be rolled over by banks. You simply instruct your bank to roll over the interest and principal when it matures giving you the benefit of compounding interest. It’s also a default way of saving and investing all rolled up in one. Treasury bills can’t be rolled over by default. Once the investment matures the CBN pays the money straight into your bank account.

If you are therefore looking for an investment you can roll over with ease, I suggest you go for Fixed deposits then.

Can I get my cash anytime I want?

You can get your cash anytime you want with Fixed Deposits by liquidating your account ahead of its maturity. All you need to do is to tell your bankers or investment house that you wish to cash in on your deposits. They will however, pay you interest for the period that the money was with them instead of the full tenor if you had waited till maturity. You may also incur an early withdrawal charge.

Treasury Bills on the other hand are not as flexible as fixed deposits. If you wish to cash in on your treasury bills ahead of its scheduled tenor, you will have to sell the rights to the treasury bills to the bank or to a willing buyer. The buyer will deduct the portion of the interest remaining for the period between when you terminated the investment and when it matures from your principal.

So basically, you can collect you cash in both instances except that it is perhaps faster and easier with banks

Can I use it as a collateral

Treasury Bills by their nature can be used as a collateral to collect a loan from a bank. This is because it is seen as a near risk free asset by lenders and is also quasi cash.

Fixed deposits can also be used as a collateral however the credit rating of the bank that is holding the deposits may affect the strength of it in the eye of another lender. Some banks may not accept fixed deposit in another bank as a full collateral because they don’t consider the bank a strong bank.

If you are looking to use your money as cash collateral, then Treasury Bills are more suitable

Thanks brother.
Can I get TBills in banks?
esp, Diamond Bank?

pls write back.

iammo:
Cele and Cherubim are Christians who decided to apply the writtens and books of father moses... which included the practice of candle spell/prayer, river bath, evoking the power of psalms like an incarnation, making a worship place sacred and not allowed to menstrating women, and using other names of God like Jehovah adonai jah Elohim etc in prayer

Bottomline they share similarity with Jewish Judaism but in a Yoruba cultural settings

Are they Christlike too?

amstardi:
Leave success alive, I am a love-vendor. I can get you deals of 20k for a one night stand. On the island ..

My niggah!

iammo:
"Christianity " simply means to be christlike. Romans who are Christ like introduced Catholic and Christ like British introduced Anglican, Americans who are Christ like introduced Pentecostal similarly CAC reflects yoruba culture in someways including praying style... hence all denomination are Christ like only difference is infussion of little cultural practice of it's originator

What of Cele and Cherubim?
those white garment peeps?

How much is olosho in Canada?

.

Chai! These bottles senior some pple's fada.

TDonald:
Is that why you are Stammering

Them force you buy

Blame the badt network

Brand new of that phone is 120k. screen alone is 100k
oga, if you see 50k, rush am.

Brand new of that phone is 120k. screen alone is 100k
oga, if you see 50k, rush am.

core i5 what gen?

.

Funkeeee?! CHAiiiii!!!?
see engine, see tyres?
haa!

Who no no say diiick head is not as big as pikin head.

You chop finish, you break the pot. what nonsense is this?

HerTotoScream:
That one in red tho. Her boobs are corpulent, attractive, succulent and tempting enough to make me spill hot cum all over my Italian rug. Wow wow now am in the mood

hehehehe .
easy o

I'm a store officer with a multinationals in Nigeria how can relocate to Canada?

AutoSpaNg:
I see two young gentlemen discussing how much it cost to patronize prostitutes in these cities and It brings me great sadness. these two young pillars of society have decided to measure economic growth by comparing how much it would cost them to pleasure their masculine reproductive extension. I am simply disgusted by you two.

How much is Olosho over there?




Such disdainful human beings.

Oga, park well jor.
Wetin concern you?

TDonald:
Stupid Son of a Bastard Father

Quote me again and die young

Stupid Son of a Bastard Father

Hehehehe

franudi:
How far with the afonja's restructuring?

Bihari is flogging the hell outta flatti pigs and eediots.

Better be digging graves for your ipad pigs cos bihari will send em to hell soon.

Heheheh

Guyman02:
Continue to impersonate Yorubas. No right thinking Yoruba person is proud of what the Army is doing, because tomorrow they can do same in the SW.
I was in India recently and the only place I saw soldiers was at the airport sitting behind a shield with a signpost in front reading 'Please dont talk to the military personnel keep moving'.

Harassing unarmed citizens on the streets is not a soldiers job, attacking journalists doing their jobs and vandalising their secretariat is a shame on us as Nigerians

Flatti are ungrateful pigs and eediots.

An albino like Kanu can NEVER run his mouth in sane countries.
He woulda been ina belly off a fish.
I really hope bihari would teach the pigs and idiotic ipob that ranting and chest beating belongs to the apes and baboons.

TDonald:
You sure say na Samsung you use

Where Samsung give you 6gb ram

I said it, you're just a wholly with a brolly.

My S8+ got 6gbram.

You must be a flatti.

oluwazoba:
look at rubbish this idiot is writing, am a yoruba but I don't like the way we are treating Igbos, if you don't know what to say shaaaaarrap or go and sleep, ode oloshi oniranu.

Your dads condom is bigger than your personality.

augustine:
Words of an ignoramus with arrested intelligence/development.

Earth is. full, go home.

You know nothing about technology.
Samsung S8+ remains the best currently.

With 6gb ram, design, durability, ultraSuper display, and 1nm processor, NOTHING beats my samsung.

My first post on this thread pained the flatti much.
Here is the part two of it...


Flattino basterrds in their confusion, infusion and frustration arising from pride and over estimation of themselves leading them to a series of saboteur maniac syndromes.

Igbos broadly divided other Nigerians into three broad categories. Those they hate, those they deride and those they fear. Those they hate are the yorubas whom they call traitors, tribalists and cowards. Yet no race in Nigeria have been more tribal than the lbos.

There are historical facts to prove this. If something is ten and igbos are not allowed to take 15, so that the rest of us can share minus 5, lgbos will cry marginalisation and label the rest us tribalists. However there is no race in this country that have been more accommodating of the lgbos than the Yorubas, there is no single igbo leader that did not grow up in the South West or is a beneficiary of Yoruba largesse.

Zik went to CMS GRAMMAR SCHOOL, Adolphus wabara went to AHMADIYA COLLEGE AGEGE, Ken Nnamani went to LOYOLA COLLEGE IBADAN, Ojukwu and Ekwueme went to KINGS COLLEGE, Okpara went to YABA TECH while Phillip Emegwali went to AQUINAS COLLEGE, AKURE. Even my brother Anadu went to IMADE COLLEGE OWO etc All major Igbo politicians cut their political teeth in the West. Their major religious leaders cannot thrive outside the West. Pastor Muoka, Pastor Ezekiel of Four Square and Okonkwo of TREM are examples.

I remember that after the civil WAR, Igbos who came back to ILE IFE were allowed TUITION FREE while the YORUBAS in NSUKKA were rusticated. Example is Pastor Adeboye. Yet lgbos reserve their greatest hatred for the Yorubas for reasons being that the yorubas refused to be dominated by the lbos to confront the North.

As to the label of cowardice, had there been any war between the yorubas and the lbos in which the lbos defeated the Yorubas? In the whole ancestral history of Ndigbo, which war has the forefathers or great forefathers fought? Any empire in their history? Yet the yorubas have worsted the lgbos four times in the political history of Nigeria.

As to the label of treachery, had there been any agreement the yorubas signed with the lbos and they reneged? The answer is no. Yet the yorubas have records of Igbo treachery on the two occasions they formed alliance with them. In 1964 to fight the federal election, the yorubas formed an Alliance called UPGA with the Ibos to be led by Okpara because major Yoruba leaders were in jail. There was an agreement that the election must be boycotted. The Igbos sabotaged it, went and contested election while the West kept to the agreement.

In 1979 the West went into alliance with the lbos and formed PPA - PROGRESSIVE PEOPLE ALLIANCE. Again Igbo sabotaged it so that they can produce Speaker house of Representatives. Who then is traitor? The second category are the Eastern minorities made up of present Rivers, Akwa lbom, Cross Rivers and Bayelsa. The igbos see them as subhuman with tidal brain. Until the creation of Rivers State by Gowon, no OGONI man can sleep on the hospital bed in Bori GENERAL HOSPITAL .

As at 1977 only UYO ,PHC and CALABAR had electricity light. They were so underdeveloped by their Igbo overseers that you will think that you were in the Congo jungle.
Until Diette Spiff, there was no Ikwere named Street in Port Harcourt. To show how deep the derision is, the present Biafran agitatators changed the name of RIBISI (Phc) to IGWOCHA as if the IKWERES do not exist.

The third category are the Hausa Fulani. The igbos pretend to hate the Fulanis but the truth is that the Igbo man is subservient to them. Ignore the noise. There are historical facts to justify this. Zik served under BALEWA, EKWUEME served under SHAGARI and EKEREMANDU zoned the PDP presidency to the North because he wants to be the VICE PRESIDENT to a Northerner. After the civil war and OJUKWU was granted amnesty for his rebellion against constituted authority, he returned to Nigeria and he joined the Hausa fulani party (NPN) of those he accused of genocide against his Igbo people. It is Igbo tragedy that they hate and deride those who grow and sustain them while they cringe to those(the hausas) who kick them like balls. Igbos are the only race in nigeria that celebrate failure. In 1982, the igbos celebrated the defeat of biafra by welcoming ojukwu with fanfare on his return from asylum haven been granted amnesty by the igbo overlords- the hausa fulani. He revelled in the fanfare and promptly married FFK left over- forgotten the over 3million lgbos that died in the war and with many of them languishing at OJI RIVER CAMP.

The second celebration is the release of kanu with the most humiliating bail conditions ever granted an accused in the annals of Nigerian justice system. A bail conditions targeted at the entire Igbo race and granted by an Hausa Fulani judge. I could not believe that with all the noise, such bail conditions will be signed. But he signed and in his eagerness to leave kuje he abandoned his two conspirators in kuje. The bail conditions wiped out the Identity of the ibos and EKEREMANDU was made the enforcer of the conditions. FFK is a polemist like Femi ARIBISALA etc. They have the capacity to argue both sides of the same point. The igbos regard him as their hero just like Ayo fayose the Eze gburugburu the second and recently the renowned FEMI FALANA.

I hope very soon the by Igbo will not start blaming FALANA as they blamed Awo for everything that went wrong with their prosecution of the biafran war. I rest.
.
Yoruba E Ronu yin o.
_

engrflames:
Buhari's brothers...they are mostly criminals

Chascop:
The man looks like PMB

Hehehehe.

The name "Bihari" don suffer.

I rather name my dawg Goodluck than a slowpoke name- bihari

Do not take painkiller pills instead drink a lot of water not forgetting to swallow top multi vitamins; you're good to go.

Uh-oh!
I don't suck bre.asts, I suckk clits with precision engineered- dexterity..

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08088525399- call and whatsapp

How much?