dalzg:
Even the ARM Mixta Nigeria, Mixta Real Estate, or whatever they call themselves are proving to be deceptive in a transaction I'm currently having with them. If they don't perform in the next few days, I'll be exposing more details.

Were you able to resolve this eventually?

aieromon:
I followed instructions on their website and made payment for a renewal licence on the 30th of January (I didn't select data capture, thanks to the OP for the tip). I went to the FRSC FCT office three days later and the payment/acknowledgment slip was signed by the VIO officer on duty. I was told to come back in 2 weeks time whether I receive a SMS or not. I waited for a month and went back to check. Voila, the licence was ready!

Total amount spent = N10,450 for the 5 years DL

Thanks for sharing another success story. Cheers!

Uber or Taxify

jessyz:
please how do I get to iru vi, from Ajah? Using a taxy/bus.

bluefilm:


Thank you so much for your response.

I was getting confused by the statement that one should start the renewal process 30 days before the expiration date...

30 days before the expiry date is the earliest you can start the renewal process. But you can still initiate renewal after the license has expired.

Ezylinkage:
What Is International Driving Permit?
An IDP is a document that allows an individual to drive a private vehicle in another country; it is slightly larger than a standard passport and it is complete with one’s photographs and other statistical data.

Where can I obtain IDP?
Before you can obtain a valid IDP in Nigeria you MUST also have your local driving license issued by the Federal Road Safety Corp (FRSC) first before you can get your International Permit.

How long does it take?
The International Driving Permit takes 2 working days or same day processing.

What are the requirements?
Photocopy of International Passport
Photocopy of National Driving license 
2 Passport photo

How long does it takes before it expire?
You can request for an International Driving license in Nigeria that is for one year to three years, you will have to pay more if you want to have the expiration longer than a year.
One year License

Which country can I Use the IDP?
The IDP is recognized in Maryland, Washington DC and California in the U.S. as well as Germany, Turkey, Switzerland, Poland, Spain, Austria and Sweden in Europe. Etc.

Having an IDP is a great advantage when you are working overseas as it can help you find a job as a Professional Driver or simply use it for personal convenience.

For enquiry or if you want to get a valid International Driving license in Nigeria, at cheaper price and free home delivery. 
Contact: EZYLINKAGE GLOBAL VENTURES
website: www.ezylinkage.com
+2348032285161, +2348092566361
Info.ezylinked@gmail.com
Info@ezylinkage.com

I don't know about Germany or Turkey but the beautiful thing is that you can use your normal Driver's License in the United States. I've used mine in both California and Florida without any issues.

Meanwhile the International Driving Permit has its limitations (it's not accepted by major vehicle leasing companies like Avis or Hertz in the US), so do some research before paying for one. Ask someone who has used it where it was accepted.

It's Halloween season and what's more scary than finding out that "investment" you thought was a "sure banker" is actually a scam!
This video shows you how to recognize a scam, a Ponzi scheme or a pyramid fraud.


https://www.youtube.com/watch?v=4F43YOvEDsA&index=10&list=PLchmjliHm8o_r7g87g9UgWotN9hR7dIR5&t=0s

The video gives you 4 signs to look out for so you don't lose your hard-earned money. Ask these 4 questions and you'll immediately know if the "investment opportunity" is a scam. At the end of the video, a real Ponzi scheme is put to test against these 4 questions.

Question #1 - Where is the Value?

Question #2 - Why the Rush?

Question #3 - How long has it been going on?

Question #4 -

Bonus: Learn the difference between Multi-Level Marketing program and a pyramid scheme.

Disclaimer: Please always check with a professional before making any moves with your money. These videos are for educational purposes only. No official financial advice is being given.

teenydex:

My brother will advice you to put your Invest
Invest your money in Wapic insurance investment and mind you will get 5% rate monthly and you also enjoy other benefit

WAPIC SMART LIFE+ is an insurance solution that provides you the opportunity of systematically accumulating funds toward meeting short-term obligations and emergencies with an embedded free life cover. 

Yes, FREE life cover

Features

Minimum monthly contribution: N5,000

Minimum quarterly contribution: N15,000

Minimum semi-annual contribution: N30,000

Minimum annual contribution: N60,000

Entry age: 18-54 years this simply means a client aged 55 and above cannot take up a SMART LIFE+

Part withdrawal: Up to 85% of accumulated principal taken at any time of the policy, however interest will be forfeited if withdrawal is done with year 1 of the policy

Premium payment frequency: Flexible

Return on investment: Index linked

Additional cover: permanent disability, critical illness and medical expenses as a result of accident (at a cost)

Benefits
Enjoy FREE life cover of up to N500,000

Easy underwriting for your convenience. (Proposal, valid means of identification and passport Photograph, utility bill if premium is above N100,000)....chat me up on 08062700434... Your money is rest assure here!

5% monthly? That's 60% per year. Pls be careful what you promise. I believe you mean 5% per annum with interest accrued monthly.

Happy Independence Day, people!!

So long as Nigeria is still standing, the Stock Market will be back up in another 6-8 months

greatcrown:


I think it's better you put the money in money market fund

check all relevant money market funds daily returns on www.fman.com.ng

opening an account is easy as you don't have to visit the firms. Interest is calculated daily and you can monitor or view your account daily.

read more on mutual funds on this thread https://www.nairaland.com/1912965/mutual-funds

I agree wholeheartedly.

Olakunle007:
Hello. Happy Independence.
I am a student and have about #300,000 idle in my bank account for almost four months now. I don't think I will need the money anytime soon and I couldn't come up with any business I couldn't invest it in. (maybe the business tycoon here could help me out in that). I'm thinking of opening a fixed deposit amount.

Currently, I'm using GT Bank and Diamond bank, but I wouldn't mind any other bank so far the bank has a better interest rate.

Please recommend banks with good interest rate and tell me the increment percentage, if you have any idea. I'm planning on opening the account tomorrow, as banks won't open today.

Check out this video for some excellent ideas

https://www.youtube.com/watch?v=EDHTlNWEb04&index=2&list=PLchmjliHm8o_r7g87g9UgWotN9hR7dIR5

If you prefer, you could read the article here https://www.modupesanda.com/blog/5-ways-invest-money/

Hello people

Happy Independence Day!

Is Nigeria still a good investment?

I think so

How to respond in turbulent times


https://www.youtube.com/watch?v=S3CcDjB_Mf8&list=PLchmjliHm8o-P_jQIzZNs-ZmQ3Ye-I5lm&index=4

Olatoman:
So I have been with that paper slip since January but each time I text the short code, it's not yet available for Pick up.
Will just keep on driving with the paper even though it expired in June.

You are fine. The slip and a copy of the old one will serve any traffic official till you get notified that the new one is ready.

How to act when the stock market crashes

https://www.youtube.com/watch?v=S3CcDjB_Mf8

If you prefer to read, here's a blog post on the same topic https:///2NvzYpe

https://www.youtube.com/watch?v=EV4c3BS67vI
5 Questions To Ask When Deciding On An Investment Opportunity - How To Make Investment Choices

How do you decide if an investment is worth your hard-earned money? This video highlights the 5 questions you should ask when choosing between investment options. You will learn how to choose the best option between multiple investment choices and how to know if an investment is good or bad. Look out for the bonus tip at the end.

Question 1 - How much am I really making?
Question 2 - How does this investment compare with other options out there?
Question 3 - How secure is this investment?
Question 4 - Is this investment sustainable?
Question 5 - How long before I get my returns?

Subscribe to the channel at https://www.youtube.com/modupesanda?sub_confirmation=1 for more Personal Finance tips for managing your money.

Disclaimer: Please always check with a professional before making any moves with your money. These videos are for educational purposes only. No official financial advice is being given.

The Nigerian Stock Exchange Average Share Index has been on a downward trend for the past few weeks. Is this a good time to offload your shares? The following video takes on this topic and proffers ways for you to act during a stock market decline.


https://www.youtube.com/watch?v=S3CcDjB_Mf8

If you prefer to read, here's a blog post on the same topic https:///2NvzYpe

BiafranBushBoy:


Says who?

Lol... See you making a mistake.

Saving is a form of investing.

Not if you are losing money instead of gaining interest

Yem0350:

It takes 48hrs for ARM to credit my account since inception irrespective of whether you top up before 12pm
Thinking of moving my available funds from them to Axa or fbnquest

In my experience, their rates always seem competitive. You can compare with others at https://fman.com.ng/mutual-fund-price-list/

Satoshi:
6. Not investing at all

Excellent point.
Leaving your money in a Savings account is not an investment, by the way. Check out this video for the reasons why.


https://www.youtube.com/watch?v=q-41lcfeLig&index=6&list=PLchmjliHm8o_r7g87g9UgWotN9hR7dIR5

Mendelssohn:


This guy is probably the greatest cynical noisemaker I've ever come across in my present incarnation. He subscribed on winthrills just some few months ago and he is making the most reverberating noise at the slightest constraints. From my experience so far, people with infinitesimally meagre investments are always the loudest and panicky. Please take to this my sincere advice sir.... If you think winthrills will pay this month, you are only deceiving yourself but surely, the surprises of September will be incredible. So once you are eventually paid your change you have requested for, kindly sell your capital and opt out to avoid these ugly rants.

Oyibo! That's a lot of English.
The OP has every right to be upset though. Even if he only invested N5,000. Considering the hassle they put you through (you can only withdraw on certain days, you need to get stamped bank statement, etc.) Then all of a sudden, radio silence for 4 months. Not acceptable from any legit business. If a bank did that, we'd bring down fire and brimstone in the banking hall and fill newspaper pages with calls for CBN to step in.

Check out this video for some excellent ideas

https://www.youtube.com/watch?v=EDHTlNWEb04&index=2&list=PLchmjliHm8o_r7g87g9UgWotN9hR7dIR5

Check out this video for some good investment ideas

https://www.youtube.com/watch?v=EDHTlNWEb04&index=2&list=PLchmjliHm8o_r7g87g9UgWotN9hR7dIR5

You can also see this Twitter thread for some business ideas that won't cost more than N100k https://twitter.com/boda_lanre/status/982185938318049281?s=19

Check out this thread on Twitter for some fantastic ideas https://twitter.com/boda_lanre/status/982185938318049281?s=19

While you're trying to decide, you can also watch this video for some investment options to protect your money from inflation


https://www.youtube.com/watch?v=EDHTlNWEb04&index=2&list=PLchmjliHm8o_r7g87g9UgWotN9hR7dIR5

You can start an investment in ARM Money Market Fund here https://arminvestmentcenter.com/product/money-market-fund/

You can also check out this video for other safe alternatives to a Money Market Fund

https://www.youtube.com/watch?v=EDHTlNWEb04&index=2&list=PLchmjliHm8o_r7g87g9UgWotN9hR7dIR5

Watch this video for Why you should never save your money in a savings account, and the best alternative ways to save your money instead.


https://www.youtube.com/watch?v=q-41lcfeLig&index=6&list=PLchmjliHm8o_r7g87g9UgWotN9hR7dIR5

chukel:
yesterday, the 5th of July, I got a message from FRSC to come collect my licence with evidence of tax payment. I must say it's exactly 2 months from the date I applied. So from my experience, apply online for renewal, choose no capture. Print the acknowledgement form, use it till you are told to come collect ur licence. No need to go to their office for anything other than collecting the licence when ready.

Excellent! My exact same experience last year. Hope more people can testify to the same.

Now for the international passport renewal process to become just as seamless.

henrolevra:


WHAT OF NEW APPLICATION

I don't know the process for a totally new licence (I've had mine for over a decade) but you can always start at the site FAQ

https://www.nigeriadriverslicence.org/pages/faq

chukel:
I had a new experience. I did everything online. Paid online. But I chose no capture. On getting to FRSC bayelsa, they said it was pointless coming to them since I chose no data capture. They said the printed forms will serve as my temporary licence and my renewed licence will come directly to them. They would send me sms. I was stopped both by FRSC and police at different check points. Presented the paper and it was accepted. So in essence it was only the 10, 350 which is the normal fee for 5yrs, I paid. No vio, no capture. No passport, nothing.

Looks like the process is getting easier

mabeni:
[Make 2 copies of your current driver's licence
what happens if the current drivers license is misplaced?

If it hasn't expired, you can start the process for a "Lost/stolen Licence" here... https://www.nigeriadriverslicence.org/dlApplication/reissue

Stake2odds:
Mine expired last year, is there a penalty?

No penalty. Except if you're caught driving with an expired licence.

mowaaa:
8,350 naira is what I paid in total for renewal

Process
Went to the official drivers license website
Filled it and I chose renewal for 3 years
I chose the option not to be re-captured ( my fingerprints are still the same)

Was told on the site total fee is 6,350 for 3 years
Chose to pay at the bank

Note when you pay at the bank, they will give you a drivers license "validation number "( very important)

Went to FRSC ojo office ( it's inside ojo local government)

First went to the Board of internal revenue office....they gave me a form to manually fill and attach 2 passport A total waste because those information sought was already filled online

Demanded 500 with a straight face without any receipt ofcourse ( first case of corruption)

Submitted the completed form with the online form + validation number receipt and passport photos after I had made photocopies.....after this, this was were the almost endless wait began.
Took over 2 hours before I was called to come pickup the signed forms

Then was asked to proceed to VIO office ( still inside the ojo local government).
"Bros you are welcome" was the greeting before the "you'll pay 1k"
I asked what the payment was for?
Gibberish answers about how everyone was else has paid
I told them but I thought it was just those who applied for the first time that needed to pay.
They said for new applicants, they charge 2k
Ofcourse after I paid the 1k, no receipt was given(2nd case of corruption)
Great thing about the VIO was that the process was fast! In few mins, forms had been returned signed

Then proceeded to FRSC office.
You'll pay 500 naira was the first response after looking at my form.
The officer could see in my face I was wondering what the payment was and he came with this crap of how he tells people that immigration office charges way for the international passport than the official price

Paid and I wasn't given a receipt either.
Told to come back next day for recapture.
I told him when I filled the form online I chose not to recapture. He checked the system, confirmed I chose not to recapture and gave me the signed forms and said I should wait for an SMS telling me to come pickup my driver's license when it's ready

The forms will have to be in the car incase I ever get stopped by FRSC / police/lastma/vio while driving

So there you have it
Govt coffers: 6,350
Corrupt coffers: 2,000

Total : 8,350

My experience at the Eti-Osa office was quite different. Perhaps you should have insisted on a receipt for the additional payments. I like to approach these people with the assumption that I will not bribe or tip them and force them to spell out what they want.

This thread may help https://www.nairaland.com/4382775/visa-stamped-inside-expired-international