₦airaland Forum

gfelo:
Business Men and traders will pay the prize for this corrupt politician, is very bad when big men thief the poor suffer for it.

Now people are scared to collect old note, new note not available, how do u sell, and how do you buy, not every business men and traders use POS.

This is when innovation to your business will be key. Businesses can collect a dedicated pos machines for their business. They can also accept transfers too pending when the new notes starts circulating as it should.

If you don't collect old notes, you won't loose anything because your goods will still be there.

JejeIsLife:
Good everyone....we all know that job getting a job in Nigeria is twice the work of a full time employee. The challenges of unemployment and the sapa promax suit that automatically becomes my day wear makes me shoot and apply for any job that comes my way, at least make me sef avoid see finish for area.

To cut the story short I landed a customer support job due to research I made online and I aced the interview...lo and behold I was sent a mail that I should resume on Monday but here I am having a panic attack as I did not know what to do since the job is a social science job but I am a technical person with engineering background. I am accepting the job because of the salary, financial challenge I am currently facing and the job is partly remote.

Please kindly share your experience with me if you ever work in a customer support centre and what software is used.

thanks.

First of all, let me inform you that there is no job you will be employed to do that you will not be trained on how to do it. Except it is an experienced hire.

Secondly, If you don't get any formal training on it, you will at least be put asked to understudy someone. The time for this might be short though.

Thirdly, like some people suggested you can google and also do a YouTube search on what is expected of a customer support job as it relates to the company you were hired.

Just relax and flow with whatever comes up as you resume. There is always a first to to everything. You can make mistakes at the beginning too but as time goes on, you will get better.

AntiChristian:
So sleeping with your daughter is not criminal?

He didn't sleep with his daughter. He slept with his daughter's friend.

AntiChristian:
In some foolish saner climes, this is becoming a norm!

Tufiakwa!

Let old people marry o!

In the following countries, incest is legal: Belgium, China, France, Japan, Latvia, Portugal, Russia (marriage prohibited), South Korea, Turkey (marriage prohibited). Incest is legal for adults only in Argentina, Israel (over 21), Ivory Coast, the Netherlands (marriage prohibited), the Philippines (marriage prohibited), and Spain. Incest is legal in Brazil if over 14 and in Thailand if over 15; however, most marriages in these countries are disallowed or prohibited. Incest is legal in Italy unless it provokes public scandal.

Let NIGERIA CRIMINALISE THIS ACT LIKE SAME SEX!

LGBTQ+ SHOULD BE CRIMINALISED!
TRANSCANINE, TRANSNONSENSE!

There is nothing like incest in this post except you did not take time to read it before commenting. The offence charge was that the man raped his daughter's underaged (16 Yr old) friend. If proven to be consensual, it will only be sex with an underage. If not, it will rape and sex with an underage.

PrinceOfLagos:
One law for the rich, another law for the poor

Lets not justify armed robbery please. The rich did not tell him to go and robb anybody with arms.

Though the judgement seem very harsh given the amount of money involved, being a an armed robber and a cultist at the same time might have contributed to that. Had the lady refused to part with the money, the possibility of stabbing her to death with the scissors or clubbing her to death with the rod is very high.

debeey87:
Has anyone used the withdrawal option on MorganCapital's itrade platform and how quick was the response

I am not sure if you need that. Just send a mail to their customer care with your correct information and account details. They will do their checks and ask questions if unsatisfied and once you provide them appropriately, they will send the money to your account.

PlsBanMe:
Remain in that hotel job. You may not believe it but you won't earn 100k as salary in ten years working for state government, unless you work for state hospitals management board and I think the ministry of justice.

With your present job, you can land a better job someday either with private companies or with some agencies of the federal government.

What's the essence of a job with security that doesn't pay?

Well, if you don't like money, you can join. I am guessing your salary may not even be up to 50k as a level 8 step 2 state worker. In some states yet to start payment of 30k minimum wage, you won't earn up to 40k.

Think before you leap.

Did you read the post at all.?

First off, he already the state government job is to pay equivalent salary. He is just trying to see which one has more benefits aside salary.

Secondly, the state job is in the Internal Revenue Service which would definitely have more perks than what's obtainable in that hotel.

Finally, above all, he would have personal time off work for himself. He can use that time to arrange a personal hustle for himself. Also, the opportunity to meet and interact with his federal counterparts which lead to transfer of service to the federal arm is there.

Latestreport1:
2million
When I ask him about Fixed deposit and TB he was discouraging me, saying Fixed deposit is less that 3 percent TB 100m above.

Maybe I met the wrong person, because he was trying to convince me to invest on Sanlem insurance with 5% yearly. 100k interest on 2million.

Maybe you met someone from their insurance arm. You know they always hang around within the bank branches looking for who to corner and convince to invest in insurance.

A normal banker would want to convince you too but theirs will be to invest in fixed/term deposit. However, there is an officer usually dedicated for TB and bond matters in First Bank except if things have changed. If it hasn't, that Officer is the one to give you all the right information needed. Including contacting colleagues in other branches and higher offices if he is not sure.

Soleye24:
Can I send a pm sir ?

PM about/on what sir?

Wapgod:
How much do you want to invest?
It might be a definite factor in the way you are treated.
While the above is a factor.
Follow this instruction:
Visit the Firstbank Headquarters on marina street in lagos state and ask about the treasury bills department/unit.
You will be directed there and you can then proceed on your investment transaction

True. If he had about 50M whether cooperate or individual he will be attended as he should.

In Abuja the main branch is at Commassie House, Central Area. When I was a regular in TB, that's where I get it easier.

yinkaoke:
Ops- please can you share the details of the DML CP
Thank you

Here is it.

Wakemeup:
Got an email from Afrinvest for commercial paper for daraju investment Ltd. I haven never done CP before only Tbills. Any advice fam?

Got Coronation Merchant Bank on Daraju. Then got for Afrinvest on NB & DLM.

Foodempire:
It's my first time too and i subscribed through fbnquest likewise but yet to receive any acknowledgement from them even after writing them a mail. I checked my CSCS statement today but nothing listed yet. Anyone with info on how this work?

Once the auction date has passed like a week. If you do not see your proof of investment or certificate, you can only come here for allotment confirmation; to be sure they have commenced allotment. The next thing to do after is to start mailing the the issuing house you used requesting for proof that is all.

mickky22:
Goodday honourable investors.

This is my first time investing in CP.

Please I will like to clarify something, if should invest 5m for 90days...those it means I get interest of 650k.

Please senior investors your contributions will be greatly appreciated.

Thanks

You will get about N157,398.75 for the 90days.

Horlartunes:
How do I calculate 182 days treasury bills
Someone should assist
For instance if I’m to invest 2m

2m at what percentage?

This is how I do mine. Let's use 9% for example.

2m ÷ 100 = 20k x 9 = 180k ÷ 364 days (a year) = 494.505495 x182 days = N90,000

sgtponzihater1:
Thanks for sharing your experience. It's really painful losing rather than gaining from an investment. How long did you stay invested for in those fund? Could waiting longer have made things different?

For now most of my mutual fund cash is in MMF and 2022 was not too bad.

Not very long it's for just about 3 months for Stanbic GIF before I remove most of my fund and redirected it to MMF. I still have about a 100k left there sha. For Ucap Balanced Fund it was about after a month and half or so. I only have 1k in my left there now. I had to move everything to Fixed Income/Bond Fund.

I actually could not wait to find out because the loss seem rapid. Stock market do bounces back so I am sure whenever it does Mutual Fund will stock asset will also improve too.

sgtponzihater1:
Any one kind enough to share their personal experience with stock based mutual fund or partly stock based fund? Thanks

I have not done any that is completely stock based or have only stock as its underlying asset but I have done about 2 that has a mix of stock. ( Stanbic IBTC Guaranteed Investment Fund and United Capital Balanced Fund). I can tell you for free that it's not funny with them. At the early stage when I subscribed to both, all were looking fine till the stock market had a hit. It's not funny at all. To be sincere with you, in both cases I ran out of patience and exit with losses.

That's why presently I will only do MMF, Fixed Income or Bond Fund, Sukuk or Islamic/Shari'a Fund and Dollar/Eurobond Fund.

The small issues with the Fixed Income/Bond Fund I observed from personal experience is that it takes longer time to redeem funds from them than MMF.

Then the Dollar/Eurobond Fund too take longer time. Also, now it's very hard to invest in even if you have your dollar with you. Except maybe there are asset managers who will sell the dollar to you at their own rate then go ahead and credit your account ( I am not sure about the existence of this, but I think I have heard people discussing about it though.)

MumEmdy:
Where do I start from, I have been in shock since the incidence, God is indeed faithful and compassionate I return all praises to Him.

After having their hair cut on the 22nd of Dec, my kids requested to visit their great grandma who leaves around that area, but on our way there the terrible accident happened. ( I don't want to go into details how it happened cause everything is still playing in my head)

My son was unconscious with blood all over his head and face, I thought he was death cause he was in the theater for more 1hour before some people rush to me to come and hear my son crying. I kept crying and declaring my son's name Emmanuel God is with you will die no way because Emmanuel is also the reason for this season's celebration (Xmas). Prayers was offered even people I don't know that witness the accident rushed there ready to donate blood in case of necessity.

I want to use this medium to once again thank especially the Doctor that God use to work and stitch his scalp and face together, he was actually going to his place of work saw the nature of the accident and decide to follow the bike men to the hospital where my son was rush to, we later got to know that he works in a different hospital but a specialist in such cases., to the people that rushed my son to that hospital God will reward them accordingly ( I don't even know them I would have gone to their various home to thank them and to all d nurses and staff of Good Shepherd Medical Center Ayingba kogi State, thank you all and I pray God will always come through for you all in Jesus name.

An accident that claim 3 of my son's teeth, the devil came to late, we give God the praise

Nairalander please wish us speed recovery, we have been discharged from the hospital.

Mod please push to the appropriate section

Thank God for you and your family for saving the situation and restoring the young boys life.

I want to also join you to thank all the people that helped in that situation. They shall be blessed in multiple fold.

To the Doctor, may God bless bless him richly for not only staying to give back to his country but for this particular selfless act. He shall never lack in any area of his life. His needs shall be met before he even think of them and the reward of his good deeds shall be reap by him and his family members even where he is not present.

3310adeb:
Compliment Of The Season To All Nairalanders.

I Worked As A Valet Attendant In One Of The Night Club At V.I And Guess What,I received Alert Of Unexpected 600k This Morning,

Valet Attendant Is Someone That Take Cars From The Quest That Comes To A Particular Places, Parked It And Hold Unto The Key Till They Are Living, And This Mostly Come With Tips And Some Other Kindness,

So Right Now, I have Several Customers, (Dignitaries) That Have Took My Account Number And Promise To Make Me And My Family Smile, But I'm Confused Because #600,000 Is Not A Joke

ThereFore, My People I need Your Advice

Both Constructive And Insultive Ones Are Welcome Because I understand The Tradition In Nairaland
Thanks

The best thing to do would have been to just go and report to your bank about it immediately since you are not certain about the source of that money. However, since you said you have a lot of dignitaries as customers and some of them promised to send you money, you may slow down on that while waiting for the sender to call.

That said, you will now have to be disciplined enough not to touch at all. You will leave the money there intact till you ascertain the real source of it. If it was wrongly sent, I am very sure the sender will soon discover and contact his bank who will inturn either contact you for refund.

If you go along and spend a dime out of that money and it is later discovered it was wrongly sent to you, your account might be blocked for it.

If it is discovered that it was sent as a/from a proceed of crime. So long as you don't touch and have no link with the sender, you are good to go but if you dare pinch am small, OYO is your case.

Epicji:
I recently apply for stoppage of bill. In a month,we have light for about 10 time and they will bring bill of 20k. This shows l was paying for darkness instead of light.

I just got myself fairly used solar panel n bat3 with small moni.

Enjoying light 24 hrs

First of all, there is no small money for anything solar. Secondly, nothing beats NEPA (as we call it) light. The closest is diesel Generator but the diesel is no longer cheap and even with soundproof it still have some level of noise.

That said, the Disco Staff/agents are the ones frustrating people and forcing them to pay for what they don't consume because we clearly do not have alternatives. They just give targets like bank staff and distribute the target amount for all customers to pay not minding whether there is light or not. They leave in the same society and will surely reap what they sow. If they no reap am for tailor, them go reap am for mechanic, if not then go reap am for hospital. What goes around comes around.

Then we also have a lot of crooks as countrymen around masquerading as religious people. Imagine the number of people saying the op should not even dare talk about his neighbour using free light.

So if the Disco servicing them is assuming that it's only the ops account that is serving the whole compound and as such are billing him exorbitantly based on that, he should just keep quite.

That's why everything keep getting worse and the end doesn't seem to be near. What is wrong in someone paying for what he consumes for God sake?

You will see broad day scam/robbery called yahoo everyone will say mind your business. You see thief, mind your business, everyone will keep minding their business and everything keep getting bad. At the end it will get to everyone in a way or another. No matter how smart or how good you are in minding your business, the ills you see and turn the other eye will surely affect you one day.

Killbillz:
The woman probably poisoning his mind overtime. And the man actually messed up for bringing their mom up on that discussion. If it was me I would play my part very well and no matter what he's been fed with he will eventually find the truth of the whole ish. I pray I don't get to find myself in such a horrible setting

Let's not assume it's always women poisoning mind children's overtime. Most times action speaks louder than words. One can not always justify not tending to his offsprings with flimsy excuses like your mama made me mad, then later in life if the child is successful he will now want to come and be entitled to a part of his success.

No matter how a woman try to poison a child's mind, unless the man is cut off completely there is no way the child won't remember the little things he does for him/her.

The only area I see in that conversation is the tone both of them used. I will assume the dad did know better too. The son should have been more respectful who else is to teach him? From the look of things the mother cherish anyhowness too. She is happy the boy is on her side instead communicating respectfully or she trying to instill some good manners in him.

exclusiveoloori:
Can anyone help with how I can contact FBN quest reps online or via phone call?

You can contact them via ccu@ fbnquestmb. com, customer care@ fbnquestmb. com, +234 1 2798300
Ext - 1301. Remove spaces in-between the email addresses when calling.

Plus10:
What's MMF,Money Mutual Fund?

MMF is Money Market Fund.

Plus10:
Mutual fund

Mutual Fund is a collective name for investment vehicles consisting of a portfolio of stocks, bonds, or other securities, overseen by a professional money manager.

There are different types of Mutual Fund. The type of mutual fund is dependent on the underlying assets. So yours is probably a GIF.

Plus10:
Good day house,I don't know if it's real,does stanbic investment account normally start with alphabet e.g C-005.....?

I know of their Mutant Fund Account Number (GIF ) that starts with C - 00 but their MMF Account Number is just digits.

PussyMiners:
So nah only Doctors receive subsidised education abi .
Was your own education not subsidised ??

Not only doctors. Mine too was subsidised. That's why I appreciate Nigeria for it and I am putting in my best to give my fellow Nigerians satisfaction where I work.

Crystalom5:
Anyone have an idea of the salaries of doctors in Nigeria?

Or if you are a doctor in the house you can give us an answer.

Doctors in Nigeria are like the lecturers. They don't receive salary from just one source.

The ones in the hospitals of other government establishment are paid more than other staff in that establishment even when on the same level. They will coin one payment structure called CONMESS that is above all others. Still e no dey do them.

They will always go and do their private practice outside or even build their private hospitals and be referring patients there for better payment and concentration/attention to the patients.

They are so quick to recount how poor their reward is in Nigeria and how much more they make/could make abroad but will never tell you how much more it will cost them if they were to acquire the education they got with peanut in Nigeria abroad.

They think of only themselves as humans and more deserving of anything and everything more than every other person. They do not even consider the pharmacists and nurses that work with them as anything let alone other people/profession.

For doctors reading this; please note that every other services rendered to you other than the health services you render is much more subsidised than even your medical services. The money you pay to plumbers, mechanic and even your house helps here are in compared to what obtains elsewhere.

Wapgod:
I don't know.
I don't recommend GTbank for TB investments.
They use an outside company for customers TB investments which is kinda strange.
The customer should only be dealing with GTbank and the federal government of Nigeria.

I do not understand what you mean by 'GT use an outside company for TB investment'. It's been a while I have done it with them, so I wouldn't know what the norm is now.

However, there is a party more to TB than just the bank and FGN. There is also a custodian.
'A custodian bank is a financial institution that holds customers' securities for safekeeping to prevent them from being stolen or lost. The custodian may hold stocks, bonds, or other assets in electronic or physical form on behalf of its customers.

If you have a proof of investment or Certificate for any TB done, just check through the charges. You will see custody fee of 0.1 % per transaction.

Some banks have custodian subsidiaries, others don't. Also, an investor can decide to choose his/her own custodian other than the one choosen for him/her by the bank.

MITCHELL96:
Damn bro!

Why do you people make mistakes like this?

They're so many challenges in life and now you have added this one to your life now

I hope you find the strength to carry on because it won't be easy at all. The very day you saw the test results that you are positive, your mind has stored it forever, there's no amount of thing you'll do that will make you forget about it. You'll always be worried about it. That's why sometimes, I hate my mind, they're so many things I wish to unlearn, erase and forget but my mind can't erase it so it's stucked in my mind .

(PLEASE DON'T FEEL SOMEHOW, I JUST WANT TO TELL A TRUE STORY THAT HAPPENED IN AUGUST 2021)

I know somebody that likes sleeping with anything wearing skirt, he visits Ashawo house like 4 times every week, he's a young handsome guy, he's 23 years and has a gas filling shop not far from my house, me and some other guys decided to pull a prank on him, or should I say a lesson that will put fear in his body because we wanted him to stop womanizing.

One of us had a sim he picked from the ground sometime ago and was only using it for cheap data plans, we used the sim to text this our guy posing as one of his girlfriend/hooker that he should try and go for test that she found out that she's HIV positive.

The next day we decided to go to his shop, I stopped my guys and told them we shouldn't just go like that, my cylinder was about finishing, so I carried my cylinder in disguise that was what brought me to his shop, though I had intended refilling my cylinder but because of this I had to do it that day.

So on getting there, we all hailed his name and stuffs like that, but he was very moody, we all knew it was that text we sent to him but we all pretended as if we had no clue, we kept teasing him but he was so dull. I jokingly told him "Guy, I no say na money dey worry you, no worry E go come before this year end" he just said "baba, no be money oo" I asked him what's up, he just kept sighing and stuffs like that.

Me and my guys left after he was done filling my gas cylinder. So, after some days, I went back alone since I'm more closer to him than the other guys, this time around his eyes was red and he was still sobing.

In his words he said "Argh! I won die bro, I won die!" I asked him what was the problem, I still thought maybe he was afraid he might have contracted the disease or something, To cut the long story short, he had gone for the test and it turned out he was positive, he said he went to 2 different hospitals.


I feel guilty for him somehow because he wasn't even aware he had HIV and I did it to help him abstain from sex and hookers not knowing he got hit by the disease already. He opened up to me like everything how he regrets his life and if he had known, he wouldn't have been such a d!ck.

I bet you, till today, he hasn't gotten over it, even though I see him laugh and gist when we sit out in the evening, he tells me he goes to bed with regret and cries his eyes out, that he only tried to forget it with laughter and highness but he still comes back to reality mostly when he's alone.

He told me if there's a permanent cure for it, that even if it will be the reason he does blood money so he can afford the fee, he'll do it.


MODIFIED: I see people quoting me as if I don't know people can get HIV through other means other than through sex, like wtf is wrong with all these Nairaland online professors and doctors?

This is one of the reasons I want to deactivate my account and start visiting this site as a guest

Not replying any mention, if you like kill yourself. I said what I said.

What's done is done. This your post should have only come as admonition if the result had not been this way.

However, the way it is now, your post above is just adding salt to injury..

It's not ok to cunningly rejoice over people's pain. If there is no kind word or advice on how to stay better then it's better nothing is said.

Foodempire:
Having subscribed to sukuk I'm yet to receive any confirmation email as regards the investment. How do one check if it's successful? I invested through fbnquest with my CSCS on the form, thanks.

Just look for the e-mail/contact details of the medium through which you subscribed.
Mail/call and remind them. Sometimes it happens like that. They may not inform you when successful.

DFPS:
How can someone buy treasury bill from primary market and what are the requirements. Thanks

Your can invest in it through your bank or investment house.

The requirement is having money in your account and knowing how long you want to invest it between 90, 180 and 365 days.

To place your own bid, that money will be Upto 50M. For lesser amount, you will have to go with the bank bid.

TB PM auction is mostly twice a month. You will have to indicate interest by filling the form or writing the request ( depending on your bank) in your bank at least on Monday morning of the auction week.

pat077:
I have a Stanbic ibtc account, can I do this on their mobile app or I must visit the bank?

No, for Stanbic and most banks, you will have to go and fill the forms in the banking hall . The only bank I know of that you can subscribe through their app is Standard Chartered Bank.

Dbossmanager:
.

Sir, I will just like to know how best to maximise profit either through treasury bills or mutual funds.

Also, I took a break from treasury bills while the rates was low....Now I realise that the rates you get from secondary buy is way lower from the government rates from the primary auction(access bank particularly).....and they dont even know if i could put in for the primary auctions...I will like to know what banks you know and use for bills where one can put in for the primary auctions....and if there is a branch of access bank I could put in through.... Thank you sir.

It's been a while I did TB. I migrated to the more risky commercial papers instead because of the low rate.

However, I was maximizing my TB and MMF in 2 ways. For TB I do majorly re-investment of the interest in the same auction. If it is pro-rated or they mistakenly did not investment the interest, I will just move it to another investment option which is could be MMF or savings bond which gives me better rate. I like MMF more because it gives me some form of liquidity. It allows me move money faster than the rest.

For MMF too I do choose reinvestment of interest when subscribing. So that when it's time instead of paying the interest and removing WHT. It is better reinvested. Then you will not have to pay any tax and you can withdraw at will depending on your asset manager. Then I also use MMF as a means of gathering my loose change (small money) to gain gain small weight before I put it in another vehicles that I see as more profitable and requires more capital.

As for, that's why I open as many accounts as I can and time permits me to. I have about 7 banks accounts. Not because I have money in them but because I don't want to be tied when I need them for issues like this.

Banks like First Bank, Stanbic IBTC and GT the far distant 3rd are more TB friendly from my personal past experience. Access is poor. Either primary or secondary market you should get better rates from them than access. From my own experience, access is only good in frivolous charges. Nothing more.

Then, there is standard Chartered Bank that also is seamless. Once you have their app. Activate the investment section of it where you can see their rates on TB, Bonds and several mutual funds. Their daily rates are displayed in the portal for you to confirmation except where they have non available or the network is bad.

Dbossmanager:
boss freeman sir, can I speak or chat with you privately?...I will appreciate your financial advice....Thank you sir

Oga sir, questions are better asked here for us to all learn and contribute even when the person it is directed to has limited knowledge. Other members with more knowledge can contribute.

However, if you still want to discuss with me, you can use the email on my profile.

Regards.