Hallenjay:
hi
Pls kindly advice me on ds.
I make some deposit to my stanbic account and try to get d form tru mail but none of the customer reply, den I went to d bank the next day to pick a tbill form for stanbic, the staffs was just pushing from one to the other ,from teller to customer care to another person again... Las las the customer section called me bak dat der is no tbill by this hour dat there only available secondary market comes on from 8am to 11am and I can't fill ahead dat the interest comes everyday dat II shd come the next day.
I got pissed off and request to close my account, they start anoda go here go here again because it was Friday and I've a meeting to attend, I left the bank and go home.
Now my question is do stanbic actually have times they auction der secondary rate and if I want to close my account, will I be able to cash out all my money without charges considering am closing it.
Thanks

freeman67:


1. You can threaten to close your account if you have enough money but do not be too quick to do the actual closing..
2. You can always use another branch of the bank. Except if it is just one branch that exist where you live.
3. Like most people said up there Stanbic rates are about the best these days so you don have to leave them.
4. Be informed that in doing secondary market TB transactions, most banks have a set time for it. For Stanbic IBTC; branches starts seeing rates from Global Market and could treat TB transactions from 10 - 10:30 am- 12pm. For GTB; It's from 10am - 2:00pm. While for FirstBank it's around 8:30-9:00am - 3:00pm.
For these, if you bring any request after their closing time they will either not attend to it or they will treat it the next day depending on your rapport /understanding the Officer involved.

Hallenjay:
thanks so much, I request to have the form home den filled it and leaves the critical place unfilled they still say nope... It was so annoying dat day and it's becos my account officer was not on sit dt particular day.
They r many way I can actually treat der Bleep up since they r d only branch close to me . .. I'll take a uniform man der next Monday and attempt to close my account let see if they won't do the bidding.
My problem is am a busy type and will not have time to b visiting bank all the time, I talk with my account offr bfor I opened d account and she agreed to b sending me the form, I'll filled it get d rate and send her bak which she had promisepromised to do.
Thanks once again ... I'll see to it finally on Monday

DigitalMallam:


You can activate option to acknowledge your bid via email - request for a soft copy of the bid-form, fill and scanned back to them. This is what I often use.

Digressing a little, big congratulations to Israel Adesanya now undisputed UFC middleweight championship. Rob Whittaker was no match. Stayed awake all-night.

Wickedtruths:


How much is bank loan interest rate per annum?
Around 21% and above.

How much is Tbills interest rate per annum?
Around 13% as at today.

You want to use 21% debt to make 13% profit?

This picture explains what would happen if you try it.

ibechris:








hahahaha yeye de worry u.

Kojiek:
Pls how can I convert my access bank shares to cash. I want to sell it off.
Pls an experienced one here should advice me on how to go about it. It's been 12 years now since I bought it. My dividend warrants are no longer coming for the past 2 yrs.

aremso:


With the permission of people here I will answer your question cos this is not the right thread.Go to united security I think they are in Victoria island or Goole them to get their details, take along with you the copy of the form filled during the purchase and if you can't get it just go there they will tell you what to do to reclaim your dividend. For the sales, register with a stock brocker then cscs account would be opened for you then give them the certificate to be verified into your cscs account when that must have been done, instruct them to sell it. I would advice you to do this very timely before January or prior to the release of their FY result cos price may likely rally before then which would be to your advantage, I perceived u bought @ #14 during public offer. So act on time

aremso:


With the permission of people here I will answer your question cos this is not the right thread.Go to united security I think they are in Victoria island or Goole them to get their details, take along with you the copy of the form filled during the purchase and if you can't get it just go there they will tell you what to do to reclaim your dividend. For the sales, register with a stock brocker then cscs account would be opened for you then give them the certificate to be verified into your cscs account when that must have been done, instruct them to sell it. I would advice you to do this very timely before January or prior to the release of their FY result cos price may likely rally before then which would be to your advantage, I perceived u bought @ #14 during public offer. So act on time

Lessonnn:

Why do you guys living in Lagos always think everybody lives in Lagos?
It should start with “if you live in Lagos”
You guys are the Americans of Nigeria always thinking no where exist beyond Lagos.

Thisnut:
fiscal year starts October 1st,Calendar year is January 1st. It's already a new FY for the banks

eagleeye2:
I have a nagging question and this is spurred on by fear of death.
let's say I am heavily invested in T.bills and it happens that I die, what steps will my family take to access the money I invested? Also how can I make this easy for them while I'm still alive?
I have heard stories of banks making it difficult for next of kin/ immediate family from claiming monies of dead customer. in fact it happened to us when my father died.

eagleeye2:
I have a nagging question and this is spurred on by fear of death.
let's say I am heavily invested in T.bills and it happens that I die, what steps will my family take to access the money I invested? Also how can I make this easy for them while I'm still alive?
I have heard stories of banks making it difficult for next of kin/ immediate family from claiming monies of dead customer. in fact it happened to us when my father died.

aremso:


Whatever! Those that are vast in stock investment knows what am talking about. FY = financial yr end which is usually December for banks and they start to roll out their year end result for the previous ur in the current yr. Eg 2019 financial result would be out for most bank from march next yr. Can't understand your fiscal October whatever

DigitalMallam:


Simply have a will/testament in place, it doesn't cost much.

Studies have it that 80% of Nigerian don't have a will.
Having one in place doesn't mean you will soon die.
To ensure your hard earn wealth or sweat does not end up in wrong hands or forfeited to banks and govt. Pls have a will. The law doesn't recognize next or kin, in addition you can do your next of kin a whole lot of good by having a will. You don't want to imagine what next of kin go through before they can access your fund when you're long gone. In most cases govt charge exorbitant fees to get necessary doc before they can access the fund.
I have witnessed first hand the devastating effect of not having a will by friends and colleagues.
Come to think of it, it does not cost much to have one in place.

After a thorough search, I found United Capital (trustees) ideal for me, and i just started mine. It cost only 17k. No reoccurring annual fee[b] I. spent way above that on beer daily[/b].

Apus:



To the best of my knowledge, having a trusted member of your family in the know of some of your investments and your ATM pin (most preferable your NOK) when one is gone will save a lot of stress. TBILLS get credited to one's acct as soon as they are matured.

eagleeye2:
I have a nagging question and this is spurred on by fear of death.
let's say I am heavily invested in T.bills and it happens that I die, what steps will my family take to access the money I invested? Also how can I make this easy for them while I'm still alive?
I have heard stories of banks making it difficult for next of kin/ immediate family from claiming monies of dead customer. in fact it happened to us when my father died.

hollerbaby:
Today's stanbic ibtc secondary market rate anyone please?

Hallenjay:
I'm in d bank now
66days 11.7%
135. 11.8%
365 12.8%

Awesomemama:


In this context can I fill 700k on the form? Knowing that I have 670k in my account?

chyima:
Happy new week all,

1. Pls when is the next auction for primary market?
2.What other investment house/ or bank is reliable to buy treasury bill or invest with except Stanbic bank
3. Who has invested with page financial?
No Dm pls

rotile247:


You might need to confirm this with your banker as most would confirm account balance along with the face value of the tbills

Hallenjay:
I'm in d bank now
66days 11.7%
135. 11.8%
365 12.8%

Witches:


My brother stop asking as if You're not a nigerian.
First they will countinue rollover and dat it. ..Even the people alive still pass through hell to stop rollover of t.b
second ur next of kin might claim ur savings or chking or whatever as long as they r aware you have dat acct.

But If u have the T.B certificate handy then the bank should honor the NOK request .

eagleeye2:

That's part of my worry. my wife has the Pin to all my Atm cards. but what if it expires, and you have an active t.bills running?
I understand the thing about Will, even with that some unscrupulous bank staffs fit try nonsense delay tactics and my wife is not the quarrelsome type.