₦airaland Forum

genius43:
Noise Cancellation is what separates the top dogs. If you want noise cancelling go higher like anker

Okay, thanks. What spec of Anker would you recommend please..?

genius43:
Redmi Airdots if you need anything better you go for QCY T5 or Anker TWS.

other good ones in the mould of the Redmi are Haylou GTS

Which one has a good noise cancellation please. I have used Haylou GTS pro good but the noise cancellation is poor.

I tried to switch to tronsmart encore s2 plus wireless headphone. That one too has a very poor noise cancellation. You can not make call without the receiver hearing all other background noise from your end.

Harllaby:
[color=#000055]Honestly, the man is only being truthful to himself by asking his partner for money. So because you borrowed him 500k you feel like you can rub it on his face. The guy was never at fault from what you wrote instead you are the one that refuses to voice out your feelings by assuming he should know what you want.

Tell him how you feel and if he isn't what you want in a man, then go look for your type. [/color]

Why is he not truthful to himself with his sister and ask them to go and work.. Shei na elder sisters sef suppose pamper their kid brother?

engbash:
and i bought in at 910

All smiles...

It stayed @ N765 for couple of days and didn't get enough attention.

ozymes:
Flour mills just opened

What are the details please?

Open and closing date..

Rates..

Theconglomerate:
Oga I say I dey owe bank already as we dey talk.Them no cancel credit repayment.
So how do I borrow from bank again weh I dey owe them?
Na my girlfriend dey pay off the monthly remittance sef as me and you dey talk right now because she's an employee for a stable firm and her salary is steady.
However the loan I took was used to expand my business in terms of acquiring new kind of inventory and opening other routes.
How do I pay off when we don't sell anymore?
I will still reiterate,all traders of capital base of 100million and below have no savings.
Are you trying to say someone that built something from nothing to a 100m naira isn't smart because he doesn't access credit or haven't got emergency savings fund?
You don trade before so?

I see your line of argument. However, there is need for us to learn/add new ways of doing things from what we already know or feel all traders do. Most people will not what to give you their secret except on a thread like this. A lot of business men with that mindset does not withstand shock most times because all they look forward to is expansion without thinking of eventualities.

I know some businessmen around here that would rather involve friends when going for a bigger Investment not because they can't shoulder it alone or they wouldn't have want to make all the profit alone but because they want to share the risk/shock and still live normal incase of eventualities. Some will rather involve their banks instead.

Risk should be spread. If market catch fire and all a businessman has is in that market then there is trouble.

emmanuelewumi:
Hello guys can we share investment or money management lessons we learnt during this lockdown.

I learnt three major lessons.

1. Cash is king

2. Live below your means

3. Be cautiously optimistic

I learnt that there is need to always have a reasonable sum in a transferable account for urgent/ quick transaction and need.

engbash:
I am interested to this answer as well but for platforms you can do all the account opening online. I know with Morgan Capital you cant

Except for those residing in Lagos many others who use Morgan Capital Securities Limited here opened their accounts online. So you can open your account with them online.

emmasoft:
Let's be calm folks. This is not a normal regular time we are in the whole situation took the whole world by storm . Be rest assured nothing is wrong, some of your experiences is for your good. If the cost to post and do some other things during this lock-down is going to have a material effect on your investment i think it's better to wait than to have a loss. All that is happening is as a result of the lock-down. Sincerely the cost of working from home for financial institution is not as easy as it's been said. I can assure you your dividend will be paid and the value date for reinvestment of interest will still carry 1st of April 2020 as value date and you will get all accrued interest till date when it's posted.

Note: Posting interest is not same as earning interest. Interest is earned daily nothing stops that. what you have now is interest earned but not yet posted. Remember we are all in the same boat together and definitely we shall sail to shore.

This period hasn't had any significant effect on the behaviours of these Investment houses/ asset managers. All of them are just displaying their normal characteristics. I have been indirectly involved with FBNQUEST since December 2019. After the 4th quarter of 2019 it them quite a while to start crediting the daily interest in January 2020. There was no Covid 19 situation then same scenario is happening now.


United Capital credited their quarterly interest and started posting their daily interest almost immediately during the lockdown period. I started using them this year so I may not have much to say for now.

SIAML have their pattern of reinvestment of interest and have been consistent with it.

These are the 3 I can say something about now.

debeey87:
How can one calculate Break Even Price for a stock without using the option provided on Morgan. I have some stocks I bought with another broker at a higher price but averaged down using Morgan. Want to be able to set an exit of at least 50% once the price hits the BEP.

Since you do not want to use Morgan's what you will have to do is to get the purchase prices of the said shares as it was bought at interval. Write down them down, write down the total amount spent on charges at those interval. Calculated the amount you intend to sell and get the selling charges that amount/quantity.

Add the total amount you bought that set to the buying and selling charges. Divide it by the number of shares. The amount you are to sell to avoid any loss will show.


So if you bought it 5 times at 5 different amounts..just calculate each set you bought that way add them together then divide it with the total amount of that shares you have.

Desanta:
So, how do you increase your maximum withdrawal to 2.5M?

You can either do that through the internet portal yourself or you consult the bank.

Franky826:
Thank you very much. Normally my interest are reinvested which has been rightly done. But since the reinvestment no other interest has been paid. That's the anomaly I'm trying to point out. On my dashboard the accrued interest since after reinvestment is 0.00. today is 6th of a new Month.

That's what I'm trying to say.

Ok I now understand you. Most times after their quarterly or end of the year settlement their services becomes slower than usual. They get things sorted as they get complaints..

taiwoliu:
opened online (no app as at the time) but I have a RM I interacted with, didn't bother until now cos I indicated roll-over in my opening form.

Thanks

UWC, since you now feel the need to have it you can just contact your RM about. I'm sure it will be created and the detail forwarded to you

Eddee:
Just e account number in the narration no name.

I just explained what I do always and I've had no complaints since I have been doing. Thanks

Franky826:
Hello house.

Please who's using FBN MMF here?

Since 1st of April that FBN adjusted accrued interest for compounding and payment for others, they've not paid anything (at least on my own account/dashboard). This is quite strange. Is it cos of the Covid-19? Please any other FBN MMF subscriber experiencing same?

Sorry, I can tell that for those reinvesting the interest, it has been added to the capital already. I can't tell about those that are to receive interest in their account sha.

Though we still have a problem with them crediting the account with a subscription/deposit we did around 30th of march.

Have sent a mail to them. You should do same or contact the RM for your issue..

taiwoliu:
how did you get access to the online platform? I've been requesting for access without response.

How did you open your account with them. Is it through app or you went to their branch? If you open it in their branch you should have a Relationship Manager(RM). If you haven't gotten your online access details, contact your RM for it.

iamjane:
what's this number please

modified

okay I get that's the account number of the First Trustees SIMMF. How did you get that number?

if that's how to top up how do we redeem?

I got the number from StanbicIBTC bank customer care when I wanted to subscribe the period I opened my account with them back then. I was going to tell you to call them to get it but then I already have it so what's the essence. However, it concerns money and investment so if you are in doubt the best people to consult after this is Stanbic IBTC Asset/ Fund Management for guidance.

On redemption, it can only be possible online if you have set your security question and answer. The default online maximum withdrawal amount for an individual is N1m and can be increased to N2.5M.

Agbeni33:
Good day house.

Please how can I top my Money market fund with stanbic bank successfully without going into banking hall ? .

Do you use any mobile or internet banking app/ platform of any bank? If yes, just do a transfer to First Trustees/SIMMF account with no: 9202476223. Make sure you quote your own StanbicIBTC Money Market Account No and your name in the narration/transaction details space before sending.

They will credit you when they get the alert.

1kinggy:
That's why I need the CSCS biometrics.ive spoken with the new broker on the procedure.

Ok, that's fine.

1kinggy:
DataMax is a pain in the wrong place.

Since they switched to e-div, I've not received any GTB dividend. Unfortunately, the broker I used then has gone out of business. I'm waiting for a good window to go to CSCS for biometrics then I can migrate my portfolio to my current broker.

Shei.. that's bad why not try to transfer the shares to other broker?

NICKJET101:
Can one someone please advise me on what to do now.

I needed to open a stanbic ibtc mmf account. I sent the documents online by mail to one of the sales executives. Thereafter, she sent me an E account number. Then, I asked for my account online login details, she told me it is only when I make deposit quoting my E account number that I will be given a login details. Then I sent a 100k since yesterday to the pool account. Then I informed her about my payment. She assured me that it will be processed. But since yesterday I made the payment, I have not heard from her again. I have sent her mails but no response like before. How many days does it take for one to get login details.

Please your advice is needed.

Thanks...

You are very anxious which is ok as a beginner. However, if you did the things below you do not need be worried.

* When transferring the money to the pool accout you included your e- accout no right?

* Does your transfer has a receipt/proof of transfer?

* Did you receive any email notifying of your payment/subscription to MMF from SIAML?

If all the above or even the first 2 are ok then you need not worry. Login details from them sometimes does not come instantly but I believe they will send it to you once it is ready.

OBAGADAFFI:
[/quote]

Mcy56 post=88017887:

[quote author=Heishere post=88017964]

Thank you all for your quick response and explanations therein. I now understand why it that form I should fill and will do it right a way.

As person wey no too Sabi maths ..we resort to using calculators most times. Below is what my calculator is telling me. So I will say op is very right.

Good morning to all the Ogas/madams here,

Please help a brother out. I am finding it difficult to process my e-devidend mandate for Datamax Registrars. They no longer have annex office in Abuja where I work. I was in GT branch where they used to be and was given a phone no to contact them.

I called the number and their representative told me that I can only do that through my broker. I contacted my broker and they told me that I am supposed to do that on my own either through my bank or directly with the registrar and that if I want them to do it on my behalf I would be charged for it. The charge though I haven't asked for but would say it will not be a problem if it is not much.

However, what seem to be a problem is a form sent to me as signature specimen form. It has transfer of shares clearly written on it and that is not my intention. I called the CCare rep attention to it and she is still insisting that it is a signature specimen form.

I would have tried it through my bank again but I don't want to waste more time and passports. The ones I tried with them for GTL and cornerstone did work out well, I only got acknowledgement text from NIBSS, birthday text and festivities greetings from the concerned registrars. Glaxosmith is still owing me some tasere dividend even after my efforts with GTL through my bank..

I leave in Niger State right now and work in Abuja. Is there an easy way I can do this?
Did anyone fill this with his or her broker here?

Those were not nude pictures.. It's just some desperate and criminally minded persons that wanted to reap from where they did not plant.

Looking @ the % of share prices that tanked on NSE from January to date, the only stock that looks defensive there now is FMN.

emmasoft:
All balance funds or equity base funds don't guarantee capital. Whenever the NSE is down they are always negatively impacted no matter who the fund managers is. Let's be well guided.
For guaranteed capital and and interest, invest in Vantage Guaranteed Income Fund VGIF. Call 08181057319

Sorry, for this particular one. I actually wanted to mention balanced fund with Invest-now which is by United Capaital not by investment one please it was just autocorrected by my phone. It's your mention that just drew my attention to it. Not out to discredit any institution but state my fact as it affects me. Let me edit it.

pluto09:
I want to believe gtb is one of the best if not the best for online transaction but they all might have adjusted their rate upwards....... And it might still go up in the coming days.

That's true.

Enyinne:
Today I was charged 400 to $1 by Stanbic ibtc for an online transaction using my naira card . Nigeria is sinking .

That's about the worst card to use for online transaction. Their charges are always higher. GTB card charges seems better.

IamR:
I got my statement almost 6 months of venturing into Eurobond and I saw that my capital was less of over 1k$ as at that time. I have applied for liquidation. I will write about it when I get it within one month as stated in their letter to me instead of 72hrs. Leaving the money with them will incur more losses. I have consulted one or two Gurus outside Nairaland and I think the best thing is to liquidate the investment.

Would I get it within one month? I am not 100% sure. My lawyer is on standby though.

Which of the financial institutions did you make this Eurobond investment please? I have only encountered this in invest-now(United Capaital) balanced fund that I tried this year. Was going to do save N50,000 monthly in that balanced but had a change of mind when the first N50,000 I invested began to reduce. Before the next month I was to deposit the N50,000 the deposit I made was already remaining about N43,300 so I had to jejely withdraw and send it to my stock acct...

Awol1:
Sanusi lied against GEJ and he knows it.

He claimed 20billion dollars was missing from wherever. Which was a lie.

From what account did such amount miss?

How much is the total worth of Nigeria, that 20 billions will be looted and we are still standing?

It was all propaganda. But Sanusi bought into it and helped bastardisze GEJ's name in the international community.

I'm not totally exonerating GEJ of every ills he's been accused of, but the lies in them outweigh the truth.

GEJ is a child of destiny and mystery.

From nowhere, he became everything.

Now every hand that fought him has taken its bitter repayment one way or the order.

And more will still fall.

Don't ever join to prosecute the innocent because you feel no one will fight for him.

Sorry, not sorry for Sanusi!.

The allegations was not against the President but the NNPC as a body. It was also not completely lies because after PGEJ left power and PMB took over, it was discovered that the GMD of NNPC under PGEJ starched money in his village home.

Hallenjay:
thanks u.
How abt pulling naira from my gt directly to my usd account. Is it possible?

I have not tried that before. I am also not sure if it is possible. However, you can give a try to see what comes out.