₦airaland Forum

Hello house! I just heard about treasury bill investment but I have some questions bothering me...

(1) Is 2M a good amout to start with? Because I would like to invest for just a year...

(2)How much interest should I expect on 2M?

I need advice on what to invest in that will yield higher interest in a year apart from fixed deposit..

Thanks!

[quote author=SultanOfAbia post=90000709]Guy Forget oooooo
Nigeria is still better
Nothing pass freedom, even in a shithole
Blacks in America, any small thing them go lock you up for 10 yrs in Prison..
Any small thing Police Go Pull Trigger
Everybody carry gun, if police no kill you, your fellow black go shoot you..

At The End, America na all Hype!!!
For Those comparing Nigerian police as worse than American police..listen!!!
American police has strong ties with KKK
Nigerian police Las Las na bribe Dem want
American police want you either Dead or in PRISION!!
PRISION is a big business in USA which is privatized and it generate millions
As a black man, either you slaving for them in prison or they arrest or kill you.
Rasicts don't need your bribe or bail money, they want to see you burn in hell..
Nigerian police still better, I can settle my way with bail but USA before you say fim, you are already serving 6 years in a violent prison even if you're CLEARLY innocent. Just Look at the number of black males in prison.. And tell me if American PRISION is not the "Modern Day Slave Cotton Field" that's why the KKK poilce are hunting down blacks just like their europen slave masters..now instead of putting them in cotton field, Prison has replaced that....
More proof here

















Nowhere is safe my bruh...Something happened In Ibadan last year where a bikeman was shutdown because he refused to give the police man #50 bribe...

....

..

Sleekmilan01:
To be frank,I'm just hearing of most of this countries
Click like if u agree,click share if u disagree

(

Sleekmilan01:
To be frank,I'm just hearing of most of this countries
Click like if u agree,click share if u disagree

lol...Kids are much on nairaland dis days

GrammarNazi1:
...shot...
...North Korea has...

Badt nigga! You reach here again ��

justwise:
Let's move on everybody.

Yes but I must commend you guys..I really like the way you shared your views without using foul words, That's one of signs of maturity..We learn new things everyday!

Nairasurplus:
I don't believe the money was in a savings box. Before you insert any note in a savings box, you need to fold it many times. Looking at the burnt naira notes, they were not folded at all. OP it appears the notes were not in a savings box.

You made a mistake, Even if the money is folded in the box...Paper will surely spread under fireburn..

Focusingmore:
Tell them the truth are we not struggling.

Should I show you the employment statistics for Nigerians who have citizenship and their kids let alone the ones in refugee camps.

Go and see how some Nigerians are living large in Nigeria, you go bow.

Please, Come back to Nigeria to enjoy as well..You are not worth been in abroad

In some states here, We were told to stay at home for 14days without giving us anything to feed on and the government doesn't care about people who feed on daily jobs and here in lagos.. Anybody that comes out to open shops will be dealt with by soldiers....Our government is fucking worse..We are just seeing people donating billions on TV without seeing the effect on we citizens... Please, Try to appreciate what you have even though nowhere is perfect even USA!!..

.....

waynee2baba:
Just dead this thread abeg or convert it to something else. We've got UK, Germany, Canada etc and other countries. Hopefully these countries don't follow suit and try to imitate the US. This is a wakeup call to change your passport ASAP if you've got the opportunity.

These guys don't fw us. Plus we're simply paying for the sins of others including the Nigerian government. I don't wana play the race yet but it is what it is.. we have to move fast!

You don't know what's going on, Those countries are not easy to get an admit with scholarship....Have you check the rate of denials in Canadian thread?? It's very rear for you to see someone with an admit plus fully funded scholarship....The most easiest country to get fully funded scholarship for both Msc and PhD is USA and now another thing has pop up ....

simplemach:
Immediately he died, them suddenly every knew him.
Anyway, may his famous soul rest in peace

He is popularly known before his death, Na you no no am because you no dey read sport news at all OR you are not a basketball fan

Gbengee:
Good day fams. Please help review my application and chances of getting full funding.

GPA 4.63/5
GRE 291
Bsc Mathematics

Thanks!

How will you be a mathematician with first class and score 291 GRE? At least, You should be able to score above 160 in the quantitative with your fundamental maths knowledge..

Well, It is better to rewrite if possible and ace the GRE

Excelinpages:
Just started following ..you should also start something om YouTube ..I think I may start considering US now sef

It's not necessary because he decided not to show face due to some reasons...Mind u, You can get all the necessary updates here If you read it from page 1 till the end...

BeebarHH:
Hi everyone.

I had to retrieve my password to submit this post as I forgot it as soon as I opened the account years ago. This is because I think it's really important to also drop my transcript here as i have read several transcripts from the older threads which really helped me today at the embassy. So I'd like to thank everyone who has made a comment or another since the beginning of US visa thread (I'm not sure if 'thread' is what they call it but you know what I mean yeah?)

The pre-screening section was fine but i got a bit scared when a lady who's supposed to confirm the passport right before the bio-metrics shook her head while looking through my I-20. She didn't say what the issue was but I knew I had to start praying immediately. I then noticed pink and yellow slips being issued to most applicants. If I hadn't read through this thread from part 13, I would have assumed they were all granted the visa because some of those applicants had been the US and many other countries before and sounded legit. I personally didn't understand the reason for the denial. Anyway, lets skip to my interview.

I was interviewed by a guy at the third booth which went like this
VO: Good morning
ME: Good morning
VO: Pass me your passport please
ME: Here
VO: So you're going to Georgia state
ME: Yes I am. i intend to study for a master's degree in Geosciences at Georgia State University
VO: oh Student Visa
ME: yes
VO: pass me your I-20
ME: here
VO: (looks through the i-20) ohhh Master's
ME: yes, Masters in geosciences
VO: How long is your program
ME: 28 months
VO: how many schools did you apply to?
ME: three schools. Kansas state university, the University of North Dakota and georgia state Uni but I chose Georgia State Uni because I was impressed by its academic ranking in terms of innovation, commitment to teaching and also research. I was also interested in the work of Dr Hassan who has worked extensively on structural geology. I intend to use the acquired to further study the Niger Delta. The Niger Delta hosts the largest oil reserve in Nigeria.
VO: (nods) very good. so you intend to go for a PhD afterwards?(then he looked right into my eyes)
ME: (looking confused) No, I believe the knowledge acquired would be enough to independently study the Niger Delta. My plan is to apply to Shell Nigeria, where I did my graduate Internship, as an experienced Geologist wherein I'd use the data acquired over the years to further understand reservoir connectivity and communication which would in turn boost hydrocarbon production.
VO: (nods) very good. So you did an Internship at Shell
ME: Yes
VO: good...I see you have a deficit of $12000 aside your assistantship. Who'd be paying for that?
ME:My Uncle
VO: Pass me his Bank Statement
ME: Okay but give me a second to get it...here
VO: (looks through it for longer than I expected and I suspected that he assumed the statement was in Naira but I didn't say anything) Oh he's in switzerland so the currency is in CHF
ME: yeah
VO: (he looked me in the eye again) i will be issuing your visa (pauses for a second to process my reaction) you should pick it up at the point...(I didnt hear the rest cuz I was trying to absorb the fact that my visa was granted)
ME: (emotionless face) Okay, thank you
VO: Please go there to pay your reciprocity fees. You should always take your I-20 with you when you travel......(I zoned out again but tried to appear like I was hearing it for the first time even though my school has put me through the entire process but of course he was trying to help and I appreciated that)
ME: ( nods) Okay, thank you.

What I learned from this is
1. Don't memorize your answers. Practicing a billion times would give you an default, memorized response but try to be flexible with it so that you can think while responding. This is because most times, the tension could cause you to forget the rhythm of your response and that could disorient you completely but if you're listening to yourself speak you can always replace a forgotten response with a more logical answer....Half of my responses weren't delivered as rehearsed.
2. Don't wait for the VO to ask every question. if you've gone through this visa posts long enough you'd see a pattern in the questions. e.g which schools did you apply to, why that school and what are your plans after the degree. Answering them before being asked shows that you actually have a plan already and didn't just cook something up because they asked. While sounding smart with your brief and combined response, the VO also wouldn't have the opportunity to pay special attention to each response like if they were asked individually.... I learned this while rehearsing with my Kid bro last night
3. Please don't lie. there was a man who said he hadn't been denied by any country as he has traveled to so many countries only for the VO to roll his eyes and say "really? are you sure?" then he started to confess and ultimately got denied. You can't tell how much info they have of you.
4. Please please and please, practice your response with the intention that you wouldn't stay any longer in the US than the degree you're going for. The PhD question that was asked of me was a trick i believe. If I had said yes then it would have shown that I wasn't eager to come back and that I'd stay back in the US at the slightest opportunity.. I actually didn't realize this until after the interview.
5. Be prepared. Practice as much as you can and be confident. If you're a genuine student with the intention to study for a better future, remind yourself of that every time because you deserve the opportunity.
6. Speak up and speak out. Don't frustrate the VO by sounding like you've got a sore in your mouth. If you have stage fright like me and tend to speak at a low tone in an interview, lean closer to the receiver. Also, once you notice that the VO is struggling with an Info, especially funding, clear the air before he gives you the pink slip. I should have spoken out immediately i noticed him struggling with the Bank Statement ... Thank God he realized it eventually but not everyone gets that lucky.
7. I don't need to tell anyone to pray. That's default. You should go in with the conviction that your prayer has been accepted. That can loosen up the tension a bit and also improve confidence.


I'm so sorry for the long post, i just wish to give back as much information as I gained from Nairaland. I hope this helps a lot of people.

by the way, hold your reciprocity fee. Its N40,700 or $110. You must show the fee in *CASH*in either currency before you even get past the second checkpoint and there are about 5 of them before meeting the VO (but they'd only confirm that you have the fee once). If you get the Visa you'd pay the fee and if you don't then you'd take your money away with you.

Finally(I promise), don't pray for the VO to retain your Passport because the system has changed. the VO would return your passport to you with a tiny pick slip and the usual white paper which you'd take to the booth where you'd pay your reciprocity fee. that's where they'd retain your passport and the tiny pink paper.

Thank you.

Wow.. Congratulations to you! Can you drop your CGPA and GRE score?

effyzzy:
Visa Approved || Passport collected
Venue: Abuja

Very calm place... Didn't have the usual Lagos rush.
Did the usual checks and biometrics.
I was asked to go retake a passport though... they needed something within the last 6 months. (2k just went like that)

Fast forward to my interview.
A woman in her late 40s. Very calm and friendly.

VO: So you're going to the University of New Mexico
ME: Yes, in Albuquerque
VO: How did you find out about the school?
ME: I did an online research using USnews and Princeton Review on schools offering Electrical Engineering with Communications as a Research area and a faculty with a strong Focus in my area of research interest which is 'Cognitive Radios'
VO: Cog what??
ME: Cognitive Radios
VO: what's that? I've never heard of it (laughing)
ME: Explains what 'cognitive radio' is
VO: Your school is expensive
ME: Yes ma, but I got a graduate assistantship position that fully covers my tution, with very generous monthly stipends
VO: Do you have any document from the school that shows this?
ME: Brings out my Admission letter
VO: They wrote here that it's just for one academic year
ME: Yes ma, it's renewable if I maintain a particular GPA level
VO: in case you lose your funding, do you have support from home?
ME: Yes, My cousin offered to support me in such a case
VO: What does he do?
ME: He's the head of blah blah at blah blah
VO: What about your family?
ME: Yes, my family would be supporting me as well
VO: What do they do?
ME: Explains
VO: Okay, (then types for like 30 seconds, the next thing I saw was that cute white paper) ...'I will be approving your VISA' was all I heard
ME: Thank you ma
VO: Hold on... In a case where you lose your source of funding, what will you do?
ME: I will come back to my country immediately
VO: When does your program start?
ME: January
VO: Make sure you don't arrive before Dec... Or you'll be turned back at the POE
ME: Alright ma, thank you
VO: Good. Take this... Do you have cash for your repository fees?
ME: No ma, but I have my card
(I proceeded to the ATM, made a withdrawal and paid)

Grateful for this thread, as it was very helpful in my preparation. Goodluck to everyone and see you in Trumpland.

GOD ALONE BE PRAISED!!!

Congratulations to you! What's your GPA and GRE score?

iamJ:
For a moment there, I tot she won an Oscar


This bald ode, always hyping this agama lizard that he calls a wife

Useless actress, 1 Kobo talent like this, she no get


All her movies, it's so obvious that she was acting, hype left and right


As for banky, I no blame you, after years of woman rejecting your bald spermatozoas, u finally found one that was ready to accept having bald sons and daughters


We understand u bro

If you continue like this...You can never archieve great things in life .Mind you, They don't even know you....Shame on you!

Sherlock5577:
Pity dem go fit you.
I would really like to know more about getting O&G internships. I'm currently at Uni of Louisiana, Lafayette. MS Geology-Fall 19'.

lol...Wow..You have started already... Congrats bro..Wish you success over there! I am happy for you

TheZed:
I was given the normal instate tuition waiver but I am not going there. I have a better option.

Congratulations bro, I am happy for you! which school offered you fully funded?

Hadampson:
Lol.. Honestly, i thought you are coming back to develop Nigeria

Cos that is the norm nowadays with some Nigerians in USA.

See talk ooo...Wetin dey happen for naija wey person won con develop?? I no say na joke Sha��

Hadampson:
Lol.. Honestly, i thought you are coming back to develop Nigeria

Cos that is the norm nowadays with some Nigerians in USA.

See talk ooo...Wetin dey happen for naija wey person won con develop?? I no say na joke Sha

TheZed:
Congratulations Bro. I was hoping to join you in Tamuk so I can eat graduation rice.

Fortune 500 is my prayer for you boss

Hello bro..Are you going on fully funded scholarship?

MackyNaija:
I don cast!
I abandoned the thread cos my life was almost being derailed by too much activities over here.

Make Una no vex, I don graduate now. Na to start work be next.

Congratulations bro!..Wish you the best!

aeeshcrystal:
This is really impressive!


Computer Science, Fall 19.

Admits so far.

Auburn University (MS) (Grad Coordinator said they are looking for funding for me, said they had budget cuts so nothing is sure)

Bowling Green State University (MS) In state and Out of state Tuition waiver + $10,000.00 Graduate Assistantship stipend

East Tennesse State University (MS) In state and Out of state Tuition waiver - Assistantship decisions will be made next month

University of North Texas (Ph.D) Tuition waiver + Graduate Assistantship



I am just confused right now

Congratulations!! I am really happy for you....Can you share us what your profile looks like?

Time2win:
Your GRE scores are damn bad. See your AWA, too poor. Please go and rewrite the GRE

You are too sincere but this your comment really makes me laugh....lols

pragya2017:
I got admitted into University of Iowa(Msc Finance) Temple University(MBA).

Still waiting for the rest.

Congratulations to you!! Can you share your profile with us?( GRE, TOEFL etc)...

Time2win:
Austin peay state university doesn't need GRE and they offer assistanship too.

Thanks bro but is it really a good school for MSc?

gracetim34:
Cgpa - 3.88
GRE - 278

That's great...Wish you the best and successful journey

gracetim34:
Visa approved, Monday 25th at Abuja embassy. Window 6
After my third attempt. First one was October 19th 2018, second was 4th of January 2019. And the 3rd was Monday this week.
All glory to God because He actually did this for me.
Thanks to everyone here who helped me one way or the other.
I really appreciate you guys. Here goes my transcript

Vo: Good morning
Res: Good morning sir
Vo: Pass me your passport and I-20 pls
Vo: Have you traveled on another passport before?
Res: no sir
Vo: can I have the passport
Res: I said no sir
Vo: oh sorry I didn't hear that clearly. Why are you going to Austin Peay?
Res: Am going for my masters in computer science and quantitative methods with a concentration in information assurance and security but on my l-20 it was written there as Data modeling...(he didn't allow me to finish the statement)
Vo: that's ok. How do you want to pay for the cost?
Res: I was offered a graduate assistantship that waived my entire tuition with monthly stipend the rest of the cost will be taking care by my uncle who's into importation trading and distribution of LG brand both home appliances and electronics. I have his statement here with me
Vo: that's OK... I won't be needing the statement. The assistantship has covered everything. Where did you finish your undergraduate (I guess he asked that because I couldn't enter my educational history on my ds 160 when I was filling it. I don't know why the part is not coming up on my system.)
Res: Osun State University.

Vo: Why do you choose Austin Peay State University?
Res: I chose Austin Peay State University because they offered broad courses in information assurance and security. Their program incorporate field work with basic course. For example.. (he stopped me here)
Vo:thats OK. How did you get this assistantship?
Res: I applied then I was scheduled for a Skype interview, a week after the interview I received an email from the department that based on my performance during the interview, my gre scores, my undergraduate cgpa and recommendations, the department was willing to offer me the assistantship.
Vo: what do u intend to do after your study?
Res : ( but I thought he asked what the degree will do for me, so responded with this �with the look of things in Nigeria cyber crime and attacks are becoming common place, sophisticated and damaging. Every organisation has (he stopped me and asked again)
Vo: what do you intend to do after your study?
Res: I'll be coming back to Nigeria to enforce whatever have learnt because there's a huge demand for cybersecurity experts here in Nigeria. A lot of organization outsource for this skill b[i][/i]ecause its professional expertise... (he stopped me here,thats OK)

After this he started typing non stop and said the word *your visa has been approved, you will need your l-20 at the port of entry bla bla.
I collected my passport today.

Congratulations to you!! Pls, Can you share us how your profile looks like? (Your CGPA, GRE score and co)

I dey always talk am...Man U never play with big teams...Dere fans don dey shout...Na God save dere life the last time they played with Tottenham self, Dose ones one kill Dem for field.... Make PSG just beat Dem 6:0 in second leg...make dem calm down...

Foodforthought:
Was Pogba the reason Man u lost the game? Bros I no understand you. How can you say Pogba is an average player? Forget sentiments and analyse football abeg

He was not the reason but a good player does not commit fouls the way he was doing yesterday and dere is nothing special in his way of playing...he is just a normal and average midfielder...

Foodforthought:
When you are going to lose a game, you are going to lose it. What did Hazard do at the Etihad? That's football at times. I am not the kind of fan who questions a player's ability because of one defeat. You clearly have not been watching Pogba this season

I keep saying it...POGBA is still an average and over hype player by man U fans....For hazard case, He was not at fault against man city but Chelsea team is entirely poor currently because of there new coach tactics and you can't compare him with POGBA..