₦airaland Forum

LeeCodeman:
I had told the lady in charge of TB at Stanbic IBTC, Ikate branch to do a 365 days for 500k for me since late June. She said she would check and get back to me. When she didnt get back to me, I went there on 6 July only to have her say that it was successfu yesterday (5 July) and I would be debited that day. I wasn't but could not go because of the busy nature of my job. Finally went there two days ago and she said it was successful and doesnt know why I was not debited. Went again yesterday and she said there is no response yet. Just now, I got this alert:

"A debit of NGN419028.77 occurred on your A/C XXXXXX1874. Date:16-08-2017 at 16:44. Details: 05 JUL 2018 TBIL PUR . Balance:NGN81078.19"

Questons:
1. Is this kind of (bad) behaviour common with Stanbic?
2. What rate is this? Looks quite low on the surface.
3. What's your advice to me going forward?

AkDave1:
Has anyone been debited by Stanbic Bank... I am beginning to think that my request was not treated, or how can one know the status of the request. Gurus please help out

Amypriti:
Hello guys,

Please which is better and also yields higher interest
Treasury bills PR stanbic ibtc mutual funds

iyaayi:
My live in brother in law of whom we are agemates barged into my room unannounced this morning. I was totally naked & had to dive under the bed from the shame & shock.

He stood there apologising that he didn't know i was in the room (we had met outside by the clothes line a short while ago).
The most painful part is that my husband who was lying in d bed in the room didn't find it necessary to utter a word.
When I confronted him, he said that shebi his brother had said 'sorry'
I really don't know what to do. I feel let down by hubby's reaction & also ashamed about the whole incident.
pls good folks, what do I do to redress the situation. thank you

Omotolani513:
Gtbank just told me that they can invest in the primary market for me provided the rate is not stated, that is, bus at the bank rate.
Is it wiser to go for secondary market instead or just go with them blindly

tochi8888:
3 years ago, I graduated from school, studied Computer Science and armed with a good grade, and a promise not to stay unemployed for more than six months, to me this school has just graduated one of it's best students. Oh!  poor school.
It was a sunny Tuesday afternoon, I stood at the gate of the school with my bags in hands and a mixed feelings of fulfilment and worries.

I was fulfilled that at last I was able to make my family proud that after all their efforts and prayers to get me through school-I made it.

The worries came because I know the next line of action was a job search,  going by the crisis of unemployment in the country and thousands of graduates every year in search for anyhow job.... well, I had just bought a high heeled shoe two months before graduation... maybe it's time for it to get to work now and keep my feet from tears.

I searched for job almost immediately(2 weeks after graduation) I was a hotcake, so i had thought.Requirements I got from prospective employers had to do with me having completed my one year compulsory NYSC program.
Oh!! Maybe those people that cried and shouted about been unemployed are either not with a NYSC certificate or not with a good grade(I laughed at them in my mind)

NYSC

My PPA was a school in a very local part of Ogun State, though I am an Igbo person but my fluency in Yoruba and my socializing abilities made it less stressful. Also as the President of my CDS unit it also made me more prepared to secure a job and also help me improve on my team work abilities, with the co-operation of me and some of my friends we were able to execute a small project in the local government spearheaded by me.
A year passed and am through with NYSC yes!!  Let me see who will say there's no job now
My homecoming after NYSC was like I have just won a reality TV show.. maybe BBN... the difference.. NO #25M price money. My friends and well wishers were around to welcome me. I felt like a hero who had just saved a princess from captivity.

One month later I hit the Labour market once again hoping that this time I am getting a good job. I cleaned and ironed my suit, polished my black shoes and a good tie to match. Having prepared for this interview I set out for the company I was in in high spirit.
I was one hour early for the interview, the early morning breeze from the companies 7th floor window was a trap to make me fall asleep or lukewarm probably, well... I did not fall for that.

The interviewer  was busy answering calls as I was busy answering his questions when he asked "Tell me about yourself" I stopped, He signalled for me to continue. Maybe I was not needed in the first place.... at times he would ask a question I had answered earlier. that hurts. So unprofessional of him.
"Thank you we would get back to you"... He said. Well... I have always seen that response to mean "get out of here that post is already filled up"

And after that, I have tried so many banks, companies, consulting firms, small businesses-even if am to be paid as low as #20K. The only offer I got for a #15, 000 was in a fast food restaurant (but at least you are sure of breakfast and lunch-a voice said to me) from then I knew the devil lies within-I need to move closer to God and silence that voice.

Fast forward to about 6 weeks ago I came across a book I once read when I was in school...This book changed my orientation about school then among other things and also working for someone, depending on things to happen so you can move forward instead of happening to things and moving forward.

This book:- Rich Dad,Poor Dad by Robert Kiyosaki


If you have read this book am sure you'd agree with me that you are far more bigger than unemployment and stagnation in life. You are bigger than recession and global economic meltdown.  You deserve the best because you now know the principles and ideas to be where you want to be in life.
If you will follow the recommendations and steps prescribed in his book.. Kiyoasaki's ideas will spur you to greater heights.

This book serves as a firm reminder that the more you put into your education, especially your financial education, the more financially independent you’ll become.
One of the book’s major thrusts is the fact that too many people get stuck in a rat race. They go to school to find a safe job with lots of benefits and a high ladder to climb, save their money little by little, pay their bills and expenses, and then spend what they have left over, only to repeat the same cycle for the rest of their working lives. But this hamster wheel never allows them to truly get ahead, or really become financially independent.

Robert Kiyosaki argues that there are other ways to become financially independent. Instead of working for money, you can make money work for you. He talks about real estate, the stock market, and high return-on-investment strategies. If you take the time to really learn a little bit about the finance game, it’s much more of a smart strategy than a gamble.
We all know money won’t make you happy, but it can certainly be a facilitator of dreams and opportunities.

So with this in mind I am saying goodbye to job search and unemployment and stagnation and pity and disrespect because joblessness means lack of everything including respect consciously or unconscious people will disrespect you because you are poor and unemployed not because you enjoy your present situation but because the system does not support and encourage the needs of thousands of graduates every year.
Though assistance is needed... thanks

Some more wise words from Rich Dad,Poor Dad


"Unfortunately for many people school is the end, not the beginning.”

“...One dad had a habit of saying, ‘I can’t afford it.’ The other dad forbade those words to be used. He insisted I ask, ‘How can I afford it?’ One is a statement, and the other is a question. One lets you off the hook, and the other forces you to think.”

“A plan is a bridge to your dreams. Your job is to make the plan or bridge real, so that your dreams will become real. If all you do is stand on the side of the bank and dream of the other side, your dreams will forever be just dreams. First make your plans real and then your dreams will come true.”

"In school we learn that mistakes are bad, and we are punished for making them. Yet, if you look at the way humans are designed to learn, we learn by making mistakes. We learn to walk by falling down. If we never fell down, we would never walk."

You’re only poor if you give up. The most important thing is that you did something. Most people only talk and dream of getting rich. You’ve done something.

"Workers work hard enough to not be fired, and owners pay just enough so that workers won't quit."

"They get up every day and go work for money, not taking the time to ask the question, ‘Is there another way?"

There is a difference between being poor and being broke. Broke is temporary. Poor is eternal.

“Take it or leave it.  I’ve got too much work to do to waste my time. If you can’t make up your mind decisively, then you;ll never learn to make money anyway. OPPORTUNITES COME AND GO. Being able to know when to make a quick decisions is an important skill”

“‘Will a job be the best solution to this fear (the fear of not having enough money) over the long run?’ In my opinion, the answer is ‘no’. Especially when you look over a person’s lifetime. A job is really a short-term solution to a long-term problem” 

“Mind your own business. Financial struggle is often directly the result of people working all their life for someone else. Many people will have nothing at the end of their working days”

Unemployment

X21:
I hope below helps

A B C D E
yrs principal intrest rate intrest B+D
1 3,000,000 15.5% 465,000.00 3,465,000
2 3,465,000 15.5% 537,075.00 4,002,075
3 4,002,075 15.5% 620,321.63 4,622,397
4 4,622,397 15.5% 716,471.48 5,338,868
5 5,338,868 15.5% 827,524.56 6,166,393
6 6,166,393 15.5% 955,790.86 7,122,184
7 7,122,184 15.5% 1,103,938.45 8,226,122
8 8,226,122 15.5% 1,275,048.90 9,501,171
9 9,501,171 15.5% 1,472,681.48 10,973,852
10 10,973,852 15.5% 1,700,947.11 12,674,799
11 12,674,799 15.5% 1,964,593.92 14,639,393
12 14,639,393 15.5% 2,269,105.98 16,908,499

asbanko:
Can someone please help with a knowledgeable account officer at Stanbic IBTC bank most especially at the Head office? I have some cash to invest in TB next week and the folks in the branch I went to seemed to lack Treasury literacy.

Samabu07:
Munezo, how do you use the coupon codes on namecheap.com?

Samabu07:
Do Go daddy or Name cheap accept Nigerian debit card? I am curious to know.

Teensway:
Please NLders,

I'm still a teenager but through with my high school. So i decided to look for money and i got this job to work as supporting staff at a microfinance bank. I worked there for 4 months and stopped working Yesterday after receiving this month salary. I travelled today to register for jamb from my salary and when i got back home, my mum said my boss came looking for me that i must submit my resignation letter. I wrote the letter and gave it to him, he collected it and returned it telling me that i must return the salary. He said i should have given the company one month notice before i would have been eligible for my salary or else the company will come to our house and seize some property. I told him to show me where those terms were written in agreement i signed, he got angry and started calling me names and threatened me. Please what should i do, abeg help me.


NB: I left because of my boss(branch manager) and the remaining loan officer started asking me to do jobs that were not part of

Ogatitus:
Please does anyone have experience of T.Bills with Diamond bank?

Am thinking of going with them since I already have an account there. Or should I open an account with Stanbic and move the funds?

Pls advice. Thanks

RealityShot:
nice idea...but..

why quit when you can continue taking both checks?

multiple sources of income is the secret of becoming RICH

sanerugwei:
Its like porting to IBTC "sure pass"
In Saka's voice.. I don port ooo