₦airaland Forum

Hello, I use ARM and as at today, their rate is 17.2% as displayed. I have deposited and made a withdrawal too. I would say they are pretty much ok, nothing crazy in terms of deposits and withdrawal but with most systems in Nigeria, leave room for minor variations so that your expectations are managed.

Egelife:
Please help out, does anyone here use ARM financials (money market mutual funds) I want to pull out from Stanbic because their yield has been hovering around 15% for over 2 months whereas I can get a better deal. Please any review on ARM or advise on a better fund managers i can port to. I am keen on higher yield and stability of the company

Thanks alot

morikee:
You can buy either from Starlink site or authorized dealers like Konga and Jumia with zero issue

Ok this makes sense, thank you. Please is it advisable to buy from a third party or from their website? I asked this because it is slated on their websites that they have authorized dealers (TD Africa) and after checking them out, even the said company still alludes to having other companies they sell through......... Sorry for asking too many questions pls.

morikee:
You can extend with a third party router

Thank you so much, I will go for the mini then because I was initially thinking, going by the word mini, it connotes the lower version (in terms of coverage) and considering that its a 5 bedroom duplex, the connectivity may be impaired in some areas within the house.

I am grateful, thanks.[

johnnyholtby:
From someone that used Mini extensively before switching to Gen 3, it's more than good enough for you. The Mini's drawback is mainly the router's range. It's weaker (compared to Gen 3 router) but still usable.


Since the price difference between the Mini and Gen 3 huge, so the best bang for buck hardware is still the Mini. For some users, the Gen 3 is actually an overkill.

Thank you, I am grateful sir quote author=morikee post=138466428]

Even the Mini will work for you[/quote]

Thank you for the question o, I never knew that there are two versions of it. I want it for a single family unit, tvs, playstation, phones and laptops, so I guess that would mean i need the standard version? I am in Lagos, around Gowon Estate, Egbeda.

Keepinmahcul:
Good evening chief. I'm also experiencing same thing. I thought about paying the 32k too but it's only the standard skit that's listed there but I want the mini. Are you going for the standard kit and where is your location?

Lagos, around Gowon Estate

afeeztyler:
Which state and what address did you put?

Ok I will, thank you for the information.

ask4bk:
Just wait... Starlink announced yesterday they've cancelled wait list around the world. Maybe it's yet to take effect in Nigeria. Wait a bit and you'll be able to get from them fully

Ok no worries

georgee:
HI Jane

Kindly use my referral code when purchasing

We will both get 1 month of free subscription

Here's one free month of Starlink service!

https://starlink.com/residential?referral=RC-DF-5887859-69175-76&app_source=share

Good evening to you all.

I am about to but starlink, my address is covered when I imputed my address on their website, and it says I should pay 32k advance, please my question is this, how long does it take to get it? Also, would they be sending it to my house or there is a pick up location?

Please kindly help with this information.

I am grateful.

Like which one(s) pls?

Odunharry:
This one low oo. I rather go do fixed deposit shorter tenure and get higher rate

Lol, this is really funny.........So lets crunch and simulate this, 10% monthly comes to 120% annually, which invariably means that not only will they take the entire interest accrued for the entire year which is 100%, they will potentially take the outstanding 20% from the capital in furtherance of that regulation of 10% monthly. It is 10% yearly and its pro rated based on the tenor

Risingcash94:
10% monthly for mutual funds? For real? Pls someone else confirm this 😭

Good morning good people, please I need your input on two things.

Firstly, I have been getting error messages on the TLS appointment website for Frence visa :"you have been temporarily blocked to prevent unauthorized use", please is there a solution to this?

Secondly, does anyone know the current date for Lagos? I am a frequent traveller, I got a 90 day multiple entry Schengen Visa which I used in July 2025 and the said visa is set to expire in two days (26th of October, 2025), please does this fact have any bearing on date availability?

Thank you in advance, God bless you all.

It is a new product so I am not sure if it is on your app. You can simply walk into any branch of Access Bank and tell them you want to invest in their new Money Market and fixed instruments. It operates like fixed deposit.

IYGEAL:
Are these rates available for subscription in their app?

It is neither here or there, at the moment Access Bank offers between 18%-20% on fixed deposit (Money Market) ranging from 30 to 365 days

kushy:
Pls, between TB and Fixed Deposit, which one is advisable to invest on?
Thanks

Please which of the mutual fund managers is the best?

Please what particular reason(s) did they give you as to why you shouldn't invest in TB?

Also the personal investment scheme they offered you, does it yield more than TB?

Thanks

iamL:
Thanks. I went to FBN for inquiries about their TB those people pride is something else, I later went to zenith the staff I met there discouraged me from TB instead they were introducing me to their personal investment scheme I just left till further notice when I am chanced.

Sent pm.

Thank you, God bless you.

freeman67:
Sorry, I didn't know that's what happened. That confirmation note is the certificate/proof of investment. It carries all the terms of the transaction (date of transaction, tenure, rate, charge/ commission and VAT etc)

I was thinking was you meant initially was just the transaction alert.

Thank you for the response.

I asked for the certificate but they only gave me a confirmation note on their letterhead. So I got confused, I was wondering if that was a the norm or I was supposed to get an actual certificate.

freeman67:
Yes, you will get a certificate. Once you confirm that your/banks bid is successful just contact them for the certificate.

Hello, hope you all are doing good?

Please after investing in Treasury Bills via the primary market, do you get a certificate or just a bank confirmation of the purchase of the treasury bills?

Thank you in advance.

You have nothing to be worried about, the average time of response is between 7-18 working days after submission. The embassy operate a non-interview system and in the unlikely event that they require additional information, I am sure a week of inaction from your end (even tho unadvised) wouldn't vitiate your application.

Teslas:
Hello Nairaland gurus.

I applied for France tourism on Monday, and my phone got spoiled in the evening, and I can't pick up or receive calls since then.

I want to know if the French Embassy normally calls applicants for interviews or questions about their applications.

Because I can call or receive calls as the location where I am, they don't have the screen or anything to fix the phone for this week.

Has anyone experience this before.

You can use Wakanow. After you do the booking, choose the transfer option not the card option when you get to the payment stage, that makes them to send the booking details to your mail which contains the flight itinerary and the payment instruction. Print the part that highlights the flight itinerary only, containing the arrival and departure dates, this suffices. The whole point is to get a drift of your proposed traveling schedule as they aren't expecting any reasonable person to buy a ticket for a visa application with an uncertain/ unpredictable outcome.
This was what we did and we got 3 months approved as first time schengen applicants.......All the best




quote author=maziemeka2024 post=135369052]Hello house.

Please how do I book a temporary flight that can be used or do I have to book an actual flight ?[/quote]

If you are using your personal bank statements, you don't need a reference letter but then again it is good to be on the side of supplusage. Most banks do have signed and stamped options in generating your statements on their various apps, I can speak of Access and GTB. If you intend to use one of the banks without this online option then you have to visit the branch or send them a mail so that they can send it to you via email as well, all the best.

Labelle:
Can I use e-copy of bank statements? Do they need to be signed and stamped? Gtbank is fine because its already signed and stamped, but some other banks do not have these. Does this mean I have to visit the branch? Do I also need reference letter from the bank too?

Please help confirm.

It is advisable to always book hotels that offer free cancellations. Now that you have booked, it is better you cancel the booking and rebook with the dates of your proposed travel. I think the booking thing per hotel and flights is more so that the visa officer has an inkling as to your travel date and not that they really expect anyone to actually pay for these bookings.

Labelle:
Hello please someone should help answer this question.

I'll be submitting my documents next week for Netherlands tourist visa through France, but the hotel and flight reservations I made have to be cancelled by the 23rd of May unless I would be charged. Can I go ahead and cancel on the 23rd of May even before the visa is issued? Has anyone been in this situation?

Kindly advice.

Thank you. All physical copies, I must also add that, we initially provided coloured photocopies of our previous visas and the upon learning that the actual passports having the visa stamps were in the car, the TLS official CLEARLY encouraged that we go get them and submit it them along with our application because according to her, the visa officer would rather see the passports stamps directly on the passports than the coloured photocopies.

sirrotex:
Congratulations Learned One. Please i need clarification on submission of documents, is it physical copies to be submitted or there is a place to upload the documents?

Firstly I believe it was more of God's grace because I have read here how people were been given 10 days etc and to think that we stated that we would be spending only 11 days on the trip.

Yes to travel history, US and Canada. Also note that we had both been denied UK visas before.

Car ownership papers: When you renew your car papers, there is this proof of ownership that comes with the yearly renewal, so we submitted the proof of ownership that was up to date which was 2025 renewal (just the yearly proof of ownership).

firebreather:
Wow. Congrats!




It's very generous of them to give you 3 months on your first Schengen visa. Did you have travel history? If yes, what and what countries?

The car ownership papers. Was it only the purchase receipt you submitted or everything that a police officer will usually ask for "Oga, your particulars" at a check point on the road.

Thanks you so much......

hunee:
i remember you. Congrats

Hello my good people, I want to thank you all for the support, you have been good with your responses, God bless you all.

Visa Type: Tourism:

Applied for 3 months with wify and we were granted 3 months exactly.

First Schengen visas for both of you.

Application Submitted: April 16, 2025 (TLS Lagos)
Email (that passports ready for pick up) 1st of May, 2025

9 working days
15 days all together.

Documents submitted:

Signed visa application form and recent passport photograph.
Original & copies of my biodata page of current passport, plus copies of previous visas.
Travel itinerary (flight and hotel details)
Corporate Affairs Commission (Company ownership documents)
Landed property deeds in Lagos
Nigerian Bar Association digital license (2025)
Proof of union (Marriage Certificate, pictures together, birth certificates of kids)
Bank statements as evidence of sufficient funds to cover the 120€ daily requirement.
Travel insurance valid for the whole Schengen Area for the entire trip covering up to 30,000 Euros for medical and hospital care plus repatriation for emergency medical reasons.
Car ownership papers.

A good place to start would be good travel history, financial proof, certifications or any kind of proficiency that largely suggest how vital and valuable you are as a person so that there wouldn't be any incentive for you to overstay your visa and become a second class citizen in their country etc......It is endless really so it all depends on each person's profile and sometimes the mood of the consular at the time of the evaluating your case (guess that is where prayer comes in lol)...........One thing to also keep in mind is this, I am not sure if this applies to France as a country but for instance, the US embassy by default posits that every non-immigrant applicant wants to elope, so the burden is always on each applicant to disprove this notion and convince the consular officer otherwise. If the French embassy has the same posture then you should look inwards, do a simulation and find a way to blow up the significant areas of your life in your cover letter.

firebreather:
Thank you!

Which other areas would you envisage can be strengthened to complement the "weakness" of SMEDAN certificate.

SMEDAN doesn't confer legal status on entities, I am not sure there is anyone that wouldn't prefer CAC to SMEDAN let alone an embassy. If you must use SMEDAN, make sure there are other areas of your application that can compensate for any perceived relative weakness of the SMEDAN certificate.

firebreather:
Can I apply for France tourist visa if my employers only have SMEDAN Certificate?

There's no CAC yet and the CEO "isn't planning on getting that" for reasons best known to him.

Except you are highly passionate about your first course of study, I would counsel you not to do masters as an immigrant (atleast for now), though Masters gives you more premise for PR but so also is any good trades program. In Canada, they call Plumbing, Electricians, Carpentry etc trades. As against going for masters, look for a good college/polythetnic, get into a trades program, when you are done, you stand a better chance of getting a good employment compared to an MSC holder.....

Itlenox:
Good evening, everyone

Pls I'm seeking advice. I studied Environmental Technology for my first degree and I'm planning to pursue a Master's degree in Canada. I've been told I can pursue any course for my Master's regardless of my first degree, so I'm looking for recommendations on courses with good job prospects that can enhance my chances of staying in Canada after graduation. Any suggestions?

I am so grateful thanks alot. I am booking the flight through wakanow.com, hope this is not a red flag?

Ozeggy:
Yes you can.