₦airaland Forum

feelamong: The respective stop rates are below for the Recent Auction :

TBILL PRIMARY AUCTION RESULTS
Tenor 91 Days 182 Days 364 Days
Stop rate (%) 13.50% 14.14% 14.30%
Amt. Offered (₦bn) 30.65 45.00 50.68

Yields are looking up once again!!!! Clearly with an increased inflation figure released last couple of weeks..the higher yields were sort of expected!!

in_sure: Interesting thread. Very enlightening!

Just got this from my bankers as per the Auction for Tbills yesterday......

The respective stop rates are below for the Recent Auction :

TBILL PRIMARY AUCTION RESULTS
Tenor 91 Days 182 Days 364 Days
Stop rate (%) 13.50% 14.14% 14.30%
Amt. Offered (₦bn) 30.65 45.00 50.68

If na Buhari talk this one one..PDP go begin shout up and down and so many PDP A$$ lickers here will jump to support them!!

Delafruita: i took a look at the budget as approved by the national assembly and i couldnt help weeping for this country.why should the minister of finance have 90million naira security vote monthly?350million will be used to buy crested plate in the villa,diezanni maduekwe was allocated 120million to maintain her sight.this is crazy

Abeg post a link of what you saw or the copy for us to see too....till then just hold ur peace!!

ogedanny: https://www.marketoracle.co.uk/images/Facebook-IPO.jpg

The problem with Facebook is that it is already flat-lining in terms of revenue growth so not only is it over priced at 100X earnings but there is also no significant revenue growth to bring that high valuation down. For instance Facebook promotes itself on the basis of having 900 million subscribers, however to me that suggests that it is already a saturated market, where are new subscribers going to come from to grow the revenue?

Investors need to realise this that Facebook is no Google, the closest stock to Facebook is Yahoo which is priced at X17 earnings, so the Facebook IPO is being priced at X5 its real value.

This suggests there is going to be a huge overhang of stock that at the very least points to a stagnant stock price for many years and more probably a severe bear market that could see a loss of value of over 80%.

Comparing Facebook to the most successful internet company to date, Google which trades on a P/E of 19 means that Facebook investors face a huge challenge as Facebook would need to grow their earnings by X5 just to match Google. When the reality is that Facebook can never match Google's profitability.

Facebook in my opinion is a re-run of the lastminute dot com bubble IPO, that saw the value of initial investments all but wiped out. Facebook is probably being priced at X6 its value therefore investors have the potential to sufferer as much as a 85% loss on the IPO before the stock hits bottom.

The expected slump in the Facebook stock price could start as early as today when the stock starts trading.

Hedging Opportunity - Buy Google and Short Facebook

Bottom line - If you want to invest in Facebook, then you will be able to pick up the stock at a fraction of its IPO price in the not too distant future.

Future Forecast - Facebook is a re-run of Lastminute.com, and just like last minute, all of the media hype surrounding Facebook will soon evaporate and many people in hindsight will start to write how it was always obvious that the numbers never stacked up. Facebook as an investment was always destined to fail because it was not even equal to half a Google despite being valued as 5 Google's. I would not go as far as saying Facebook is the next MySpace, but its not that far off from following a similar path towards oblivion, in fact if Facebook accrues a mountain of debt then at some point it will be taken over by a cash rich company such as Google, Apple or Ebay to gobble it up at a fraction of its IPO price.

nice one..pls post the link!

Is there any light showing up on the dash board? go and get the car scanned for any OBD -11 troble code..A lot of things could cause this problem...

kilimanjaro: A footballer, he plays for Eyimba.

Ok.. is he the highest goal scorer for Enyinmba FC??

http://www.ngrguardiannews.com/index.php?option=com_content&view=article&id=86774:lagos-engages-new-doctors-as-casual-workers-bans-strike&catid=1:national&Itemid=559

Cancels leave, maternity, others for locum

Medical officers to earn N5,000 every four hours

THE public may not have heard the whole truth in the much-publicised employment of 373 medical doctors by the Lagos State government.

From information available to The Guardian, the exercise is one huge web of curiosity. Reason: The doctors are casual workers in plain language as their engagement is classified as an “assignment.” Worse still, they can neither embark on industrial action nor resort to protest to seek redress. All grievances shall be resolved through mediation.

These are part of the details contained in the assignment letters issued to the locum and other documents accessed by The Guardian. The state government issued the letters through the Lagos State University Teaching Hospital (LASUTH) Board, the doctors’ employers, which declared that they are “self-employed” because the “terms of agreement shall not give rise to a contract of employment.”

Watchers of the emerging trend and the impasse among the state government, the Medical Guild, and members of the Nigerian Medical Association (NMA) in the state, said at the weekend that “the absurd and the ridiculous is what we see in every action of the government.

A group, Joint Action Front (JAF), in a statement signed by the chairperson, Dr. Oladipo Fashina, pressed on Governor Fashola to meet the Lagos doctors’ demands.

An elder in the medical profession, who spoke on the condition of anonymity, said that the engagement of locum medical officers is a global practice but “never as replacement for sacked doctors anywhere in the world.”

He added that the condition of engaging the locum doctors “makes the whole process comical and an attempt to bring the medical profession into disrepute. No one can get the best out of a doctor with those terms of agreement,” he said.

A 12-page contract letter, titled: “Offer of appointment as a locum medical officer,” which was made available to The Guardian, indicated the agreement between LASUTH Board and the locum personnel covering the period of assignment:

The locum is considered as “self-employed” and the “terms of agreement shall not give rise to a contract of employment.”

The contract states: “These terms constitute a contract for services between the Board and the Locum and they govern all assignments undertaken by the Locum. No contract shall exist between the Board and the Locum between assignments.

“For the avoidance of doubt, these terms shall not give rise to a contract of employment between the Lagos State University Teaching Hospital Board and the Locum. The Locum is being engaged as a self-employed worker.”

The locum is, however, expected to perform all professional services, pursuant to the agreement in conformity with the prevailing professional standard of care and in conformity with all applicable federal and state statutes and regulations in the healthcare industry.

The appointment letter further states that the locum shall have no right to protest or embark on industrial action. “He or she should note that the position being engaged has been classified as rendering essential services under the Trade Dispute (Essential Services) Act and as such cannot take part in any industrial action or strike to protest any grievance but resort to mediation and arbitration measures to settle such concerns.

“Any dispute or controversy arising under this agreement shall be determined and settled at the option of the party initially seeking relief, either by mediation or by arbitration.

“No contract exists between the Locum and the Board during periods when the Locum is not working on an assignment.

“On remunerations, item seven on the document states: “Payments will be made to the Locum per session worked. Each session constitutes four hours work period at the rate of N5,000- N7,000 per session, depending on the Locum’s year of post-National Youth Service Corps (NYSC) experience.

“The Locum is not entitled to receive payment from the Board for time not spent on assignment, whether in respect of holidays, illness, maternity or absence for any other reason.

“For the avoidance of doubt, the Locum is not an employed salary civil service earner for the purposes of claiming any pension or gratuity benefit from either the Board or the Lagos State Government.”

The Locum has an hour within the commencement of the assignment or shift to inform the hospital and the board of his or her inability to attend work and three days for the replacement of assignment, where found not suitable. The board or hospital, however, may terminate the locum’s assignment at any time without prior notice or liability.

Also, “the Locum may terminate an assignment at any time giving reasonable notice to the LASUTH and board. If the locum does not inform the hospital of the board that he or she is unable to attend work during the course of an assignment, his or her absence will be treated as termination of the assignment and contract.”

According to the “liability” provisions of the document, the locum shall be fully liable for any loss, damage or injury to any part resulting from his or her negligence acts or omissions during the course of the assignment.

Item 9.3 of the document forbids a disclosure of any part of the agreement or facts relating to the state Ministry of Health among others during the term of this agreement.

Signatory to the letter of appointment, LASUTH Chief Medical Director (CMD), Prof. Adewale Oke, however, said there was no secrecy in the procedure and code of conduct of engaging the locum doctors.

He explained that the state government was displeased with the idea of “total strike” by the essential service providers and had taken on the locum doctors to complement services currently rendered by 500 doctors on its employ.

Oke said: “The state government aimed at providing a way out for people whose death can be prevented. The action was not to make the hospitals run at full capacity, but it is the responsibility of the state government to give the people basic health. So, it employed these doctors who are able to attend to emergencies.

“There are about 35 locum doctors that have been deployed to the surgical emergency, medical emergency, paediatric emergency, the haematology, dental, family health, among others at LASUTH,” he said.

The government sacked 788 of the 1,747 doctors for embarking on an indefinite strike and refusal to answer queries after a three-day warning strike to protest the non-implementation of Consolidated Medical Salary Structure (CONMESS).

JAF argued that the logjam is a labour dispute in which the “illegality of a strike cannot be decided by an employer, but by an independent arbiter (the court) that both parties must have confidence in.”

The rights activists supported the sacked doctors and questioned the rationale of the government’s action.

According to them: “The state has a responsibility to protect the citizens, including the provision of adequate healthcare. Yet, Governor Fashola sent his father abroad for medical treatment at the time the doctors’ strike is on.

“Since Fashola spuriously claims he sacked the doctors to protect public interest, we should ask: If the governor is to protect the people, why did he send his own father abroad for treatment? Why are the necessary medical equipment not available in Lagos hospitals since we have medical experts that can treat his father here?

“Why has he resorted to the use of incompetent ‘referral doctors’ who are being enticed with a wage twice what they ought to have been paid if they are in regular employment? CONMESS fully, according to the Lagos NMA, would cause just additional N33.5 million monthly, compared to its looting spree to line private hands and profiteers,” the statement reads in part.

hei...where all of una dey?? una don enter farm no gree come out

why not tell us the prices?

Beaf: The Irikefe panel report simply stated that NNPC was able to account for "most" of its funds.
It did not state the route of the money in and out of Buhari's Midland Bank fixed deposit account.

Buhari is a thief.

SO NNPC COULD ACCOUNT FOR ITS FUNDS ABI?THANKS FOR SHOWING US HOW STUPID YOU ARE!!!!!!

Beaf: You are really stup!d indeed and the cross bred product of rabies and a mad woman. But it is known that you guys are unrefined dogs and baboons who live by lies, rumour and threats of bloodshed.

1. Firstly, a judicial panel was set up to trace the $2.8billion (Justice Ayo Irikefe panel).
2. Secondly, a senate committee was also set up to trace the $2.8billion (headed by the elder Saraki).
3. The findings of the senate committee were reported live on NTA by Vera Ifudu.
4. Buhari overthrew the govt to burn and shred the evidence.
5. Buhari got Vera Ifudu sacked.
6. Vera Ifudu and the NTA went to court.
7. Vera Ifudu won her case, got reinstated and was paid compensation.

What you have above is a tracable chronology, not some braindead sentiment you plucked out of your lying, stinking arsehole. Court cases cannot been hidden, there are always records.
I challenge you to throw away your silly habit of turning to useless sentiment and disprove any of the above with logic.

For the 53 suitcases, Atiku is still alive and insistent. So why do you people live a lie?

Beaf...can you save us this crap you keep posting here and give us the report of the JUSTICE IREKEFE Panel ASAP!!!!!!

1025: abeg, who is bamangar tukur and what is the difference between what azazi, okah and buhari have been saying?

Dont mind them at Aso Rock.. am waiting for That idiot 'Abati' to respond to this one!

Hmmmm.. I like the word 'NEWSPAPER HEADLINE INDEX'!!!!! well the guy has said it all....whenyou only have bad news all over the polity what else do you expect in the economics?

This should be a wake up call to that Slow poke in Aso rock!

http://saharareporters.com/press-release/bloody-2015-controversy-cpc-replies-jonathan-buhari

The Congress for Progressive Change, CPC, has noted the response of Dr Goodluck Jonathan, as President of Nigeria, to the altruistic statement credited to our National Leader, General Muhammadu Buhari (GMB) wherein he had stated inter-alia dire consequences for the perpetual riggers of our electoral process in 2015. In the statement signed by Dr. Reuben Abati, Special Adviser to the President on Media, GMB was grotesquely characterized as a sectional leader.

First, GMB has been out of office as Head of Government for about 28 years, yet his relevance to the Nigerian nation is something firmly acknowledged by a broad spectrum of Nigerians, including his adversaries. As Head of State, his Oil Minister was Professor Tam David-West, a Kalabari man in Rivers state. As a Leader, he created the ambience for his ministers to work unobtrusively and devoid of executive meddlesomeness. But what do we find with Dr Goodluck Jonathan? All the appointees as Oil ministers in his two-year reign thus far as President of Nigeria have been Nigerians of Ijaw extraction, like himself!



Second, in October 1, 2010, there was a bomb blast during the year’s independence anniversary celebrations, with attendant deaths of many Nigerians. Without waiting for any preliminary report from the Security Agencies, Dr Goodluck Jonathan, as President, told a traumatized Nation, “it is not MEND!” Meanwhile, MEND is the name for the militant group from Dr Good-luck Jonathan’s ethnic extraction that had in the immediate past waged relentless and potent insurgency against the Nigerian state but had been placated with more slice of the Nation’s resources ceded to the region. Indeed, MEND impugned the President’s statement and admitted responsibility.



Third, so far as President of Nigeria, Dr Good-luck Jonathan has shown very generous affinity for Nigerians of Ijaw stock in terms of appointments and promotions in the Federal Public sector. There is a marked lopsidedness that smacks of clannishness and ethnocentrism by the President!



On Corruption and sleazy tendency, the Jonathan administration transcends all others before it! Nigerians are still befuddled by the impeachable show of arbitrariness by the regime in expending N2.67Trillion on fuel subsidy instead of the appropriated N240Billion in the 2011 appropriation act. As expected, the regime has attempted all manner of subterfuge to give Executive cover for the indicted people in the scam, who were the bank-rollers of the President’s electioneering campaign. Could it be that the missing money was funneled deliberately to the Jonathan Presidential Campaigns, with the acquiescence of the President?



GMB was quoted as saying that the Jonathan-led Federal Government is the greatest Boko-Haram. Understandably, this elicited awful response from the President. In a jejune, puerile, and very pedestrian communication, the presidential spokesman defined Boko-Haram as “Western education is sin” and went on to posit the administration’s investment in Education. How awkwardly inane could that be?!



It is common knowledge that Boko-Haram has become the euphemism for subtlety in devious schemes that cause mass killings of the innocents! As GMB aptly stated, Boko Haram has three variants, with varying degrees of severity and murderous content: the original Boko-haram that seeks to avenge the extra-judicial killing of its Leader by the Nigeria Police; the Boko Haram that pursues criminality for monetary gains and of course, the Political Boko-haram that is bent on setting the stage for ethno-religious pogrom in the Nigerian nation. It is the Political Boko Haram, with its extremely lethal content, that the Jonathan-led Federal Government represents!

·

In January 2012, Dr Good-luck Jonathan told a bewildered nation, still smarting from murderous Bombings, that his government has been infiltrated by Boko Haram.

·

In February 2012, a serving PDP senator from Borno South (Mohammed Ali Ndume) was arrested for being a member of Boko Haram.

·

In March 2012, Ndume deposed to an affidavit before a Federal High Court wherein he stated that Vice-President Namadi Sambo was aware of his activities with Boko Haram.

·

In April 2012, General Andrew Owoeye Azazi , the National Security Adviser, averred that there was indisputable proof that Boko Haram is PDP. As things stand, President Good-luck Jonathan is the national leader of PDP.



· In April 2012, Henry Okah (while standing trial on Terrorism charges) deposed to an affidavit before a South African court that President Good-luck Jonathan was the sponsor of the October 1, 2010 bombing at Eagle square. It is on record that as governor of a Niger-delta state, Dr Good-luck Jonathan (together with his brother governors) had used the MEND to command the attention of the Nigerian state.

· As a Party, we are aware of the role played by Jonathan’s PDP in the way the People’s post-electoral angst (at the subversion of their electoral will) was turned into murderous ethno-religious mayhem.

· We are also aware about how the Jonathan administration has consistently used the Christian Association of Nigeria (CAN) under the leadership of his fellow Niger-delta Nigerian, Pastor Ayo Oritsejafor, to demonize GMB in the despicable attempt to veil the murderous intent of the administration.

Meanwhile, with the hullaballoo that Dr Jonathan and his PDP elements have unwittingly caused within the Polity, should it be interpreted that there is a real effort towards ensuring that the 2015 election is also rigged as before in giving vim to the PDP Leaders’ claim of ruling Nigeria for 60 years? As a Nation, we are witnesses to the manner in which rigged elections have foisted on the Nation cluelessness in governance and rapacious impudence; it is indeed a dreary road to tread.



We insist that it is never ignoble to lose elections because President Abraham Lincoln, before being reputed to be the best American President that ever existed, was known to have lost elections several times. GMB, though lost Presidential elections three times to the rigging collusion of the Nigerian presidency and the electoral umpire, took the loss each time (like Abraham Lincoln) with equanimity!



In the meantime, we shall continue to trumpet the sterling qualities of the Buhari brand which is still a rarity among the Political players in our nation’s season of anomie. We stand unwaveringly by the statement credited to GMB!

God bless Nigeria.



Rotimi Fashakin (Engr.)

National Publicity Secretary, CPC

(Wednesday, 16th May, 2012).

No wahala.. time will tell!!!

Htown64: what advice do you want him to give than what he gave after the end of the election tribunal? Your president is not listening.

No mind the slow poke in power and his band of co travellers....what do they want Buhari to do for them.....he spoke against the fuel subsidy.. he sopke against the systematic looting in the polity...but they will not listen cos they are all enjoying the status quo...

Thank God he has warned them again now.....and I can bet with my last N5 that the present govt will still rig and there will be more blood shed to be wasted..

onyewec3: why didnt buhari speak in english langusge that could cut accross all ethnic divides rather he choosed to speak in hausa and yet you open ur mouth and vomit this shit.....i think u are a hausa enslaved

Anu Mpama!!!!Even after the white man has left you... you still want to remain tied to their apron...colonial mentality of the highest order... I can choose to speak in my native tongue whenever i have my townsmen visiting me and that was exactly what Buhari did......for ur info am a full bred Igbo man. But the fact reains that without Justice there shall be no peace...Yestady we shouted over the south south suffering injustice from tyhe govt and oil coys.. today we are shouting over a northerner being rigged out ,,....whop knows tomorrow it might be my turn being brutalised cos am Igbo.... see until there is equity and fair play in our elections...Buhari has every right to shout !!!

Buhari has said it all....Many at times we all want change but are not willing to make the necessary sacrifices for change......

Many of us have notin to loose if there is war..afterall he that is down needs fear no fall!! But let the truth be told.. the massive rigging and collection center votes manipulation will not be allowed come 2015..even if a northerner or Buhari is competing or not...RIG and DIE!!

doofanc: welcome to the pompous, nauseatingly arrogant world of the average Nigerian medical doctor.

Guy, even if you fail to acknowledge this... its a fact...By the time most doctors are serving in NYSC they have already done their HOUSE JOBS and gauined some experience for at least a year...while many of you just go from ur campus hostels into the NYSC camps..

~Bluetooth:
what you guys forgot to understand is that the masses are against your actions.how much does a human life cost to you and your fellow sacked doctors ?

Which mass are you talking about The doctors are left to work with little or noting while the political elites enjoy all the trappings of their office added to the looted funds they acquire and you are here saying that the doctors do not deserve of their wages you are a disgrace!!!

docjuli: The Minister of Power, Professor Barth Nnaji, yesterday told electricity distribution companies to stop giving consumers what is regarded as “estimation billings.”

Similarly, the minister warned against consumers being charged “processing fee” while installing the prepaid meter, insisting that such matter should be quickly reported to the PHCN authority for prompt action. In the same manner, he said the chief executive officers of distribution companies and the regulatory commission had met and agreed that within 18 months every house that is meterable must be metered.

Source:
http://www.dailytrust.com.ng/index.php?option=com_content&view=article&id=162314%3Astop-giving-consumers-estimation-bills-nnaji-tells-phcn&catid=1%3Anews&Itemid=2

I will enlarge this statement , laminate it and place on the gate of my house very close to the Pole that these idiots from always climb to cut my light even after I have paid their so called 'estimated bill'. Maybe somehow somehow, one of those thugs they bring along would be able to read it and do the needful....bunch of twats!!

blink182: Please explain, do you mean after the 90 days I won't get paid?

Bros.. U get paid pro rata.........ie 91days divided by 365 days. Same thing with 181 days....181 divided by 365days...

http://www.vanguardngr.com/2012/05/jtf-arrests-suspected-sect-leader-wife-in-kano/

The Joint Military Task Force in Kano Friday morning, raided Farawa quarters in Kumbotso local Government area of the state and arrested a man believed to be a high profile sect leader, his wife and five children

The sect leader identified as Suleiman Mohammed is suspected to hail from Ogbomosho, in Osun State, South West Nigeria.

JTF sources confided in Vanguard that the suspect and his entire family has been flown to Abuja for interrogation.

Vanguard learnt that counter terrorism personnel that stormed the residence recovered three pistols, one AK47 assault riffle, one thousand live ammunition and w0 wired Improvised Explosive Devices.

Confirming the incident to reporters in Kano, Police Commissioner, Mr Ibrahim Idris said; “we made an arrest at Farawa quarters this morning”, stressing that “details of the suspect were not for public consumption for now.”

The arrest Friday of Mohammed coincided with the recovery of seven truck of empty used can from an uncompleted building in the Kano metropolis.

The Police Commissioner disclosed that the cans were veritable components in making low calibre IED’s and enjoined the public to always endeavour to destroy such soft drink cans to frustrate criminal elements from converting them into dangerous weapon.

blink182: Buying the 3 and 6 month bills make sense as then you will be able to make 13%*4 and 13%*2 respectively. When inflation is factored in, the 12 month tenure becomes useless.

I think you got ut wrong mate.... every rate you see there is per annum and as such pro rated!

So Mod..why is this not in the Jokes section??

Bunch of clowns we have here in govt in Naija...

feelamong: http://af.reuters.com/article/nigeriaNews/idAFL5E8GB51A20120511

LAGOS May 11 (Reuters) - Nigeria has sold a total of 147.05 billion naira ($932.91 million) in treasury bills ranging from three months to one year with high demand from investors pushing yields lower.
The central bank on Thursday sold 32.05 billion naira worth of the 3-month paper at a return of 13.19 percent, lower than the 13.84 percent the same paper was issued at the previous auction. The result was announced on Friday.

The 50 billion naira worth of the 6-month paper was issued at 13.87 percent, compared with 14.59 percent at the previous auction. The regulator issued 65 billion naira worth of 1-year paper at a return of 13.94 percent, short of the 14.64 percent at an auction last month.

Demand for the paper remained high as total subscription stood at 513.42 billion naira, a slight drop from 540.68 billion naira demanded by investors at last month's auction.

Nigeria, Africa's second biggest economy after South Africa, issues treasury bills regularly to reduce money supply, curb inflation and help lenders manage their liquidity. ($1 = 157.62 naira) (Reporting by Oludare Mayowa; Editing by Joe Brock)

The yields are really dropping just as expected!

http://af.reuters.com/article/nigeriaNews/idAFL5E8GB51A20120511

LAGOS May 11 (Reuters) - Nigeria has sold a total of 147.05 billion naira ($932.91 million) in treasury bills ranging from three months to one year with high demand from investors pushing yields lower.
The central bank on Thursday sold 32.05 billion naira worth of the 3-month paper at a return of 13.19 percent, lower than the 13.84 percent the same paper was issued at the previous auction. The result was announced on Friday.

The 50 billion naira worth of the 6-month paper was issued at 13.87 percent, compared with 14.59 percent at the previous auction. The regulator issued 65 billion naira worth of 1-year paper at a return of 13.94 percent, short of the 14.64 percent at an auction last month.

Demand for the paper remained high as total subscription stood at 513.42 billion naira, a slight drop from 540.68 billion naira demanded by investors at last month's auction.

Nigeria, Africa's second biggest economy after South Africa, issues treasury bills regularly to reduce money supply, curb inflation and help lenders manage their liquidity. ($1 = 157.62 naira) (Reporting by Oludare Mayowa; Editing by Joe Brock)

desperateinvest: I never even collected the original certificates. I only have receipts for purchasing them during the public offering.
Now, I will travel home soon and I want to know how to go about reclaiming my share certificates and all the bonus issues and dividends.
Any help with valuable info is welcome.
Thanks!

Are you back in naija? If yes just take a visit to First Registrar Ltd at Iganmu Lagos and you will fill some forms and Viola!!!! All ur bonus shares and unclaimed divided warrants will be given to you.

make sure that you go with an ID (Drivers licence/Int'l Passoprt) and also go with proof of purchase for those shares..

idtiwo: Morning guys
Just want to find out if any member of this forum has the means and interest in financing an LPO that my organisation just got from a multinational corporation.Total amount needed to fincance the LPO is 1.5 million.Payment for the job will be in 60days.

If you have the mean and has interest in the deal,please reach me on chisdelight4real@yahoo.com for details of your terms.OR you can as well post your terms on this forum for me to see and get in touch if the terms are okay by me.Thanks

can you state the coy? are you ready to provide a domiciliation of the proceeds and also to provide additional collateral?