₦airaland Forum

Acidosis:
Sis, there's is no such thing as 100% reliability in farming/insurance business. It's a risk/decision you have to take based on your risk appetite and discretion.

Digital agric firms rely on their farming experience to deliver. When/If that fails, they expect the insurance company to come to the rescue.

So to invest, you have to trust (1) the firm's farming experience, and (2) The insurance firm (mostly Leadway & NAIC) to play its role.

There are over 20 of them currently that claim to have a comprehensive insurance (whatever that means) and so far, we haven't heard of any default.

Alright, thank you. Just looking for safe investments to go into as treasury bills is no longer encouraging.

DigitalMallam:
Sample from crowdyvest

Please do you know of Menorah farms, are they reliable?

I really do hope that Nigerian banks can help with treasury bills in Ghana. Even if the treasury bills rates becomes low, why ban individuals? It's our choice to make

opydan:
Good morning people, l gave my bank instruction for t bill this on Tuesday but up till now l have not been debited. l did not have the time to be at the bank yesterday to ask why. What could have happened? Please enlighten me.

It's possible their bid was not successful

Good morning all. Please who has an idea of Stanbic admin charges for secondary market.

Please when was the last auction? Was it yesterday ? If it was, can someone please tell us the rates. Thanks in advance

Kingemmy01:
Just it save as CV. And repload it. It will enter

Thank you . It has uploaded

ZARAX:
please how did you upload your CV? I have issue uploading please kindly let me know.

Hi , I am assuming you have successfully uploaded your CV now. Please how did you do it . Been trying to upload my CV

The fear of 30 is the beginning of wisdom. When you clock 30, you start thinking about your life and achievements so far in life. Depression might even set in especially when you are not where you expect yourself to be by that age. But above all, trust God. Hold him to His promises upon your life. Stay motivated. All will definitely be well. And always remember, it's not how far but how well.

OlawaleBammie:
Ok oo.
Everytime wat we hear is der z light at d end of d tunnel, der z light, der is light...weda one wire don cut and d light don off people no knw, even people wey don already successfully pass tru d tunnel finish stil dey tink say dem never comot inside d tunnel as dem no see any light dem stil dey hope say one day one day dem go see light.
Make we just pray to God make He Himself help us check d tranformer generatin d light at d end of d tunnel oo, hmm i knw wat am sayin.

Hmm.. I get you.. In life, we must ALWAYS remain HOPEFUL .No matter the circumstances, no matter where you find yourself, don't ever lose hope. Continue to pray to God. Destiny can only be delayed but it can't be denied. Most times God is already working on our case, we only need to be patient to await the manifestation of our answered prayers. It is well

OlawaleBammie:
amen oo, i pray dem no off d generator at d other side of d tunnel o.

Lol. No generator at the other side of the tunnel o, just a very bright light ushering in a new beginning

It is well with you poster and everyone going through tough times. Remember, at the end of the tunnel there is always light . Remain focused. You are blessed

purityval:
Good day guys, please is anyone dealing with FCMB here? Those guys really look unserious to me.

Just spent 20mins with a customer care personnel that is more interested in telling me about FD than Tbills which I asked her.

And to think that she opened her mouth to tell me that I don’t know what i’m Missing by not doing FD is st**pidly annoying.

Please anyone with the bank here to help me clarify some issues?

Lol... Most banks will gladly tell you about fixed deposit than Tbills. Na their way

JoanOluchi:
.
If you're not in a hurry dear, why not choose free shipping? This usually takes about a month or two.. You can order again every week or two weeks in small quantity.. so you can receive new goods before your stock runs out.

Aright, thank you

JoanOluchi:
In addition to that, you can also start an online store or a physical one... Import items from AliExpress at a cheaper rate and sell for almost X2 of the price...
.
I'm thinking of starting soon... You just have to know your nearest post office, postal address, and fast selling niche..

I want to import as well but the courier/ shipping charges are so expensive. Most even doubles / triples the price of the goods. Do you know of any shipping company that won't cost me much?

dharayl:
Thanks dammy222

You are welcome. I was a JJC to all this too a few months back. But following this thread has helped me a lot.

dharayl:
So how does it work at First Bank that you get your alert even before you leave the bank. Please help me understand. Thanks.

First bank deducts the money before the auction and if the bid is successful, you will get your interest and if it's not successful, your money will be returned back to you.

kings11ng:
they have not deducted mine oooh and I submitted my bid since Monday

They don't deduct till after the bid is successful

dejiotus:
Maybe your bank accepts 100K for secondary market. Unless this has changed recently, my account officer in Stanbic informed me. that 500K is the minimum that Stanbic bank accepts for the secondary market. Anyways some account officers can be economically with the truth at times because of personal agenda. Anyone with a more recent info on Stanbic minimum amount for the secondary market can update the house. I am aware also that the minimum amount varies from bank to bank

Just 2/3 weeks ago, a friend invested 200k at Stanbic bank in secondary market.
But like you said ,it also depends on the account officers.

dejiotus:
Maybe you went to Stanbic bank yesterday, after the closure time for submission of primary market Treasury bills application (I think 2pm on the Tuesday preceding the auction date). You were asked to come back next month as the next primary market TB auction date is 13 February. Yes, primary TB market is usually every 2 weeks. You can ask for the secondary market however (which is usually available everyday) if you have up to 500K naira; which I think is the minimum amount required to buy in the secondary market)

You don't need 500k for secondary market. Minimum should be 100k

elegungun:
Please, I went to stanbic bank yesterday to apply for TB, my account officer told me I have to come back middle of February.
I thought I can do treasury bill anytime.
Or is it TB being done bi monthly?

He probably thought you meant primary market

Gurus in the house, please what do you think of piggy bank app. Is it safe?

NL1960:
It is like Bet9ja.

Lol

LadyBeee:
which bank re u using?

Stanbic

Investing in Treasury bills is so sweet that one gets so addicted to it

providencia:
Please has anybody bought treasury bills this year? My account Officer said it hasn't started yet and starting date is unspecified. I think she is lieing to me

This is really funny o. Which bank is that?

Hi, I created an order with UACN marketplace after seeing the advert here on nairaland since two days ago and till now the order is still processing . I need to know when my goods will be delivered . If you have shopped with them before,how long did it take ? I tried contacting their customer care number but it's not going through. I have also sent a mail but no reply yet .So ladies in the house , how long did it take for your goods to be delivered ? Thank you

Internetboy:
What was Gtbank or StanbicIBTC last primary rate for 91,182 and 364 tenors .

Next TB primary auction is 29/11/2018. I want to lock up 15mill for 364, targeting 14% rate which is around 2,100,000.00 Naira.

Tbill is really a sweet investment when you have idle cash .

Please Gtbank and stanbic which one gives better rates in Primary market .

I have used FBN , their rates are not so good.

Stanbic

Grupo:
I think there was primary market auction yesterday, so, the next auction should be in two weeks time.

Alright, thanks

NL1960:
November 28 is auction date.

See attached calendar.

Alright, thank you

Grupo:
Nawao. The money wey Tbills pay me in mid October for my 91 days purchase, I don chop am finish. Chai. And we are still two months away from the maturity date.

Lol..
Pls who knows the next auction date