₦airaland Forum

Mustay:
^^^
Are you sure 'most people' love to join the spy?

#Unemployment these days drives people to the security agencies.

true bro am a living testimony unemployment bt what can a man do? Aluta continua

darnley16:
Saw this write-up and fell totally in love
with it, I bet you will too!
"Academic excellence is overrated! Did I just say
that? Oh yes, I said it. Being top of your class does
not
necessarily guarantee that you will be at the top of
life. You could graduate as the best student in Finance
but it doesn't mean you will make more money than
everybody else.
The best graduating Law student does not necessarily
become the best lawyer.
The fact is that life requires more than the ability to
understand a concept, memorise it and reproduce it in
an exam.
School rewards people for their memory. Life rewards
people for their imagination and creativity. School
rewards caution, life rewards daring. School hails
those
who live by the rules. Life exalts those who break the
rules and set new ones.
So do I mean people shouldn't study hard in school?
Oh no, you should.
But don't sacrifice every other thing on the altar of
First Class. Don't limit yourself to the classroom. Do
something practical.
Take a leadership position. Start a
business and fail. That's better. It's called
Entrepreneurship101. Join or start a club. Contest an
election and lose. It will teach you something
Political Science101 will not teach you. Attend
seminars. Read books outside the
scope of your course.
Go on missions and win souls for
eternal rewards.
Do something you believe in! Think less of becoming
an
excellent student but think more of becoming an
excellent person.
Make the world your classroom!!!t#Darnley

sometimes we 1st class student don't alway get d best jobs am a living witness

Almighty scam what d company address pls don't fall for this oooooo Nl guys

TRADELYN:
[size=16pt]This is one of the few churches in the world today that you will never regret attending if you are truly seeking for the ideal Words of GOD!!!


Congrats!!![/size]

bro that z d gospel truth o no chance 4 d devil and his agent to play with sm1 life think it tym i completely repent o God help me

adepiero:
Ara was married but later divorced. get facts on ppl before posting as wrong post might send the wrong message to others

of recent did u here what she said she is nw looking for any man whether young or old ''am just looking for any serious guy age is not a problem asfar as he is mature

Kachisbarbie:
I just have to agree with all your points...that's for ladies that want to get married. Marriage is definitely not for everyone.

Those girls that keep watching "the Kardashians" (hope I spelt it well...lol) - I pity you, especially those that try to emulate them.

I have this friend, bc of Kim and Co...she said her wedding has to be top notch...
That she would do engagement party / traditional marriage / court & white wedding...I said ahnahn, babe na wetin...na only you waka come. I tried ma best to advise her, she insisted. It's been 4yrs now and she is still sticking on that opinion of hers...recently she said her wedding gown would be Kim-K inspired.

guess she is still very young that why if she get to the despirate age 32 upward nobody go tell her.she should take a clue from Ara

to be sincere this mfm is the only church i can attend when am really born again o i have many of the G.O message it great listening to him if anybody ask me which church are you going i am quick to tell him mfm but i nova enter mfm church before sha happy annivesary my future church

VocalWalls:
Engineering thermodynamics


Probably because of the dreaded lecturer.

dat one of my favorite course although i had a D BUT I STIL MADE DISTINCTION

princeuk21:
i believe after election the rate will go up

i concur with you but i de wait for them 3month to election watchout them money go plenty 4 circulation and cbn go want to mop the exces
waiting at dat junction oooo

pappilo:
Sorry jare my guy. I opened the wrong PDF.

The stop rates are in the doc you attached. That doc is really informative. Is there anyway I can be added to the mailing list. If not, can you do us a favour on here and post the doc on this thread on the day after every TB auction

Stop rates on 23/10/14 courtesy Obiak4

91 day - 9.8%
182 day - 10.2%
364 day - 11.25%

Regards

papillo i will try my best to post if i get the info am very loyal my bro
my 2cent

pappilo:
Guy no vex but na rubbish you attach na!

Thats just the auction date schedule

papillocheck again d left hand corner it stated the rate and tenor as at yesterday 23/10/14

careerwoman:
I did not move any money.. I have a Tbill with a maturity date in nov. with first bank. This other money has always been in my GTB account. Wait a second,do you work with GTB? You sound biased.. let's be sincere GTB isn't the best bank to do tbills. First bank is way better even though I dont think it's the best.

you are the one who sound biased here cos am not even a banker am an engineer by profession but am not practising engineering for now pls it was just an idea I expressed my 2cent don't get it twisted

@careerwman could be due to the fact that you move ur funds that y d huge charge of 375 cos moving funds interbank z a transaction and it is charged

the rate are not encouraging at all find attached zenith bank treasury statement at 23/10/14 @career woman pls compare with what you were offered

careerwoman:
Please,does anyone know the cbn stop rates for this week's auction and the day it held My bank hasn't debited me yet.

hope you instructed ur bank to do that but you must have given them details such as your tenor(days)ur rate and account number to debit the principal from if u did not specify the rate then they wil offer u slight diff from cbn stop rate

find attached cbn calendar for tbill for the fourth quater 2014

petikal:
All rates are calculated annually. That is, divide 365 by the days you wish to invest; then divide the corresponding interest rate by the result.

1mil investment for 91 days at 9.95% rate:

Step 1: 365/91 = 4.01
Step 2: 9.95/4.01 = 2.48%
Step 3: 1mil * (2.48/100) = N24,800

For 182 days on 2mil at 10.3% rate:

Step 1: 365/182 = 2.00
Step 2: 10.3/2 = 5.15%
Step 3: 2mil * (5.15/100) = N103,000

hope u find this calculation easy and simple@iceman the rates flutuates bro so u can use this simple calculation to know what you wil get hope have been able to hel
my 2cent

icemann:
What is the rate (APR or normal rate)?
Is it compounded daily?

normal rate and it is usually per annum so if u r buy 91day it divided by 4 182days it divided by 2 so rate on tbills are per anum but it can be compounded if u do a roll over provide u give instruction to your bank

timothy001:
I need to terminate my fix deposit in few days but the maturity date is next month,Can someone tell me if i will still have the full interest or what step do i take to avoid the big charge

definately u wil be penalised ten percent deduction from your interest or more depending on ur bank

DInkMan:
Pls which bank has tenor of 364 days? I left an instruction with my bank dbn, for the past 2 weeks now, but saying cbn only has bills for 91 & 182 days only.

yea diamond only hv 91 n 182 or so try gtb

careerwoman:
Hello house,please I would like to confirm if there was any auction on wed. 15th of oct. I left an instruction with my account officer in GT bank,150k for 182 days but he said there wasnt an auction this week that I would have to wait till next week. I had an unpleasant experience with my tbills with first bank hence my opting for GT. they do not give me rates at cbn stop rates.. Please,can someone recommend any other bank credible and reliable for Tbills than these two??

diamond bank and u shd have an idea of d stop rate before going if not they will offer u some of thiers

just beware of fraud o my guy

whataps me on08151164299 or go to ur bank tell them u want to buy tresury bils or search on NL on tresury bills go tru d thread and c if it something u can invest bt i tel u it worth.

let the rate keep moving up i bought 9.5 bt 11 is good moreover i would advice we divesify a bit to the money market
election is around the corner this guys r keeping raw cash at hand so my predictions are we are going to have rate going up up up up
to moop the excess notes my 2cents

ControG:
Pls help what's your bank name and moreso, I want 2 know d min amt they accept for treasury bills there. Zenith bank staff in treasury dept. told me 1million naira is minimum there.. I want to invest lyk 120K on treasury

i bank with diamond bank jst walk in there bt u have to have account with any bank u want to bank with
the minimum is 100k pls feel free to ask more ??

if you are into bisness why not invest in that bisness that is giving you the small small money or alternatively invest in tresury bills just walk into your bank and ask of hw to bUy tbills 08151164299 for more info

for a young dude living alone for some years no babe de come to visit only guys it kind of wierd my landlord is even luking @me somehw and making suggestion weh i no like

@benromes i don't think u get my drift nw it very weird 4 me to even chat wit babes that r giving me greenlight cos am nt jst interested at times bt sometimes i feel very very very x10....0 lonely

did't even knw what was dating then i get d time?NO just busy with my weed and marrymy book at tertiary level them wa derail me dem gals them i run go tak cover 4 church CAC TINS
NOW AM FULL OF REGRETS-(WINKS)
IF I CAN TURN THE HANDS OF TIME I WOULD HAVE AT LEAST DATE ONE GAL

mail me a comprehenive plan and if it ok will fund d project as far as the paybk plan is ok

at angelos wish to inform the house that i hv jst been debited from my bank thnxs guy am on my way to d top i appereciate all the contributions and comments wish all of us a happy day ahead