Hello great gurus in the house,

This is a quick one
Please ,can a promissory note from a pending
Transaction( from a bank to back up one’s sponsor SOA Incase there is no cash balance there at the moment) but,stating when the money will be credited into my sponsor account. will it be acceptable at the US embassy ,hence there has been good inflow and outflow but no cash balance atm??

femi312:
1) Look for an Uncle's or Aunt's if your i20 didn't expressly state your Dad's name as sponsor, then again be ready to say why your Uncle or Aunt is your sponsor
2) Go with your Dad's company account and be ready to defend why the company is sponsoring you. Again no hard rule to this.

Noted sir,I really appreciate ur Swift response, God bless you more

femi312:
Yes but you will have a lot of convincing to do on while the company is sponsoring you. Its better you get a personal account

yes I wish it was personal statement too(but the current balance is low) he told me the money has been transferred since late Jan, to the company alc to run some projects but he still have a good balance in the company's alc ,what can I do in this kind of situation please

hello house ,

please can someone use one's father's company account statement at the US embassy in case his personal account don't have any good amount inflow and outflow in the past 6months and the balance is low?

It's sad, nobody is helping in regards to mock interview again, can't count how many times ve beg our gurus and any experience person too that can help out in the house, but no response..

abeeolars:
Goodmorning Guys. I plan to visit Atlanta next month to renew my international passport. Please who has had a prior experience with Passport renewal here in the Us, how many days does it takes, what is your experience like there? This information will help me to prepare ahead!

Congrats to all those who got their visas recently. Incase anyone needs mock, please feel free to contact me as i am free this weekend. If you are here in texas you can also feel free to connect. Seyi i cant wait to have you join me soon.

Its been an amazing 3 months here already! God has been faithful. If you get denied, please dont give up.

Cheers

sent you a PM
kindly reply please....

Walspring:

I didn't get your pm

kindly check again boss ,I have already ,sent a PM already

@walspring
@lagosismyhome
@femi2
please kindly check ur pm please ,in regards to my visa transcript review (going to the embassy soon),no response since I posted this,please and please,Thanks and God bless.

NB: to other gurus in the house willing to help me out,will really appreciate,God bless you all plenty.

@LagosismyHome

@bigfrancis21 

@femi312

@Twood

@wallspring

please great gurus in the house ,i really need your assistant in regards to my transcript review,i have sent you a pm and i already mail the transcript to you ,kindly help me check for any adjustment my interview is fast approaching,Thanks and God bless.....

vivyval:
Greetings from California!!
In honor of my friend babsfad who just got approved today, I am willing to pay the full cost of GRE for one candidate here who needs it; pls if you can comfortably afford it , leave it for those who can’t.
It’s funny when I look at the happenings in Nigeria from here; it’s quite appalling! Am not discouraging anyone, and this is strictly my opinion but, I believe Nigeria is not for the youth, therefore run while you can. I was living above average in Lagos before I left, but guys, according to the Bible, there is the glory of the sun, and that of the stars and moon, and each one is different! I tell anyone that cares to listen, run, it’s not easy here, but , ‘easy ‘ is in levels. The God that did it for me, will do it for you all.. He is the same God!
For those yet to be approved, put every advice and info you get on this thread to work, do your homework, have faith in God; and you will scale through. Exactly two years ago, I was on the other side.. it’s a lot different now. I give God all the glory!!
Once again, thank you to all my bosses; bigfrancis, justwise, deetus, lagosismyhome, etc. for giving selflessly to this group since I joined in 2016, May the good Lord continue to increase you guys on every side!

PS: if you are interested in this offer, write me, vivianval@ymail.com.
Peace and blessings!

sent you pm already ,please check

lincoffm:
Hello Fellow Nairalanders!

I have been away from this forums long time ago. I just discover I couldn't log in with my old email and username so I created a new one! Hope you are doing great! I'm a Nigerian don't mind the username lol!! Just a way of saying my thank you to this forum I need 2 serious individual from this thread that couldn't afford a fee for TOEFL I will pay for free for 2 people and get you free reading material! Anyone interested should contact my signature or message me here !! One love ��

I beg you in the name of God sir,am deeply in need of TOEFL, it's not being easy ,anyway you can still help me sir or anyone in the house,will really really appreciate,I dont know how to use pm ,but you can kindly reach me via email johnadeniyi61@gmail.com thanks and God blessss

hello my great people in the house, from my observation so far, visa transcript ve not been posted lately and people have being going to the embassy , hope all is well? Thank you.

KingGBsky:

The song is on steady repeat men... Star boy.

mehnn God bless wizzy,baba alaye omo ologo ni bobo yi,mad ass jam mehnn

SIMPLYkush:
if not that his aunt i the richest female in Africa, who will have known dj exclusive? very idiot person.... no life plan, as big as he is he was licking wizkid asss in EME

control your jealousy

hello, house i need your advise base on experience, which is preferable and easy to maintain as first start up car ,tho I really love eod interior but, pencil interior is poor and again I was told people easily steal camry pencil coz of the low security stuff which makes eod more secured to be used.

hello, house i need your advise base on experience, which is preferable and easy to maintain as first start up car ,tho I really love eod interior but, pencil interior is poor and again I was told people easily steal camry pencil coz of the low security stuff which makes eod more secured to be used.

jeffery23:


same applies to fixed deposit?

bank FB should be more better then, since the interest charge is monthly

guardiola:


12% is what you get in 12 months, so you effectively get 1% for each month, 90 days will be 3%.

Interests are quoted per annum

same applies to fixed deposit?

Yazmin:


Hello, This may be the basics as there might be others not stated here.

1. Nature: While Treasury bills (T Bills) are Government issued investment bonds , via the CBN, Fixed deposits (FD)are issued by Commercial banks.

2. Rates: T bills have higher interest payments compared to FD's. This is due to the higher rates paid on them for same trnors as the former.

3. Interest payment: T bills interests are usually paid to customers at the beginning of the investment while FD's are paid after the tenor has elapsed. For example if i invest in a 91 days T bills of 2million naira say,January 1, 2018, using the interest rate applicable i.e. 12%: The interest to be paid would be about N59,835.
This would be paid to me on January 1st. Then on March 31st (after 91 days), my N2million is again credited back to my account. For FD's , my interest and principal is given to me only on March 31st upon expiry, if I am investing in same tenor as the former.

4. Taxable interest: Interest paid on T bills are not taxable. FD's have a 10% Witholding Tax (WHT)paid on the interest given you by the bank.

5. Tenors: While T bills are only available (in primary bidding by CBN) for 91, 182 , & 364 days ((except for hard to find secondary bills by bank customers, who want to sell of before maturity), FD's can be invest for a period of 1 month to 12 months.

6. Flexibility: T bills are usually harder to sell off (liquidated)when you need immediate funds and before expiry. FD's could be liquidated within 30 minutes.

7. Security for loans: You can place your T bills ,or your FD's as collateral for loans with your bank. However, recently, most banks now prefer the latter to the former.

8. T bills do not stay on the banks books and balance sheet they move to CBNn However FD's stay on the bank books and can be given out as loans to other customers . Hence banks preferably for theor customers to do the latter rather than the former (for profit purposes).

9. A minimum amount of N500,000 is required to commence the former, the latter could start with as low as N100,000 for most banks.

10. T bills start with Letter T while FD's start with letter F....

I would add more later as the interest on the thread increases....watch out!!!!!

lemme go and join fuel queue before kachikwu increases it to N171 per liter!

thanks for the information
please I want to confirm, is the 12% interest for TB interest paid monthly in accumulation to the end of the 91days for example?
for banks, will the interest be paid monthly as agreed BTW the customer and bank or the total interest for three months will be paid at the end of the third month,If one will fix the money for 3months take for example?

please I need access bank past questions, kindly send at johnadeniyi61@gmail.com

iamclime:
IF I REMEMBER WELL, THE DESCRIPTION GIVEN ABOVE WILL TAKE YOU TO IJOKO, NOT APAPA! GO THROUGH OSHODI.

which bus will I enter from apapa?

please house, how can I get to apapa from iyana ipaja?
Thanks house.

lhumi:
I really appreciate God for the admin of dis forum, u guys are doing what only God himself can reward. i got a job via a link on dis platform as an executive assistant at the beginning of this month. I joined the group when the page was 400 pages, got my job around 600 pages, while waiting i just kept believing not until i got my employment letter did i stop applying for jobs in here. Today my salary is in 6 digits and travelling along side the Group managing Direction of the organization thru the air, indeed i am greatful. for all job seekers, hold on you are closer than you can imagine. God bless u all.......

Congrats hun, I tap into this testimony

hello Walspring, i need to talk to you please kindly message me your contact@ johnadeniyi61@gmail.com URGENT!!! Thanks much

Mizjemie25:
Good afternoon Joblanders,
If you stay within Lagos Island preferably Ajah environ, need to make extra cash and can be trusted, a friend needs someone to run an errand for him ASAP! negotiation is allowed...quote me if interested... preferably a guy

interested!

hello house,for those who attended hyt recruit interview yesterday, please any update from Konga concerning the 6pm email invite today after the apititude test?

hello house,for those who attended hyt recruit interview yesterday, please any update from Konga concerning the 6pm email invite today after the apititude test? thanks and God bless kindly signify

hello house,for those who attended hyt recruit interview yesterday, please any update from Konga concerning the 6pm email invite today after the apititude test? thanks and God bless kindly signify

Yes I can

please house,wah do they ask for the test and will the test and interview be conducted same day? *****