₦airaland Forum

Okay, I’ll reach out to you.

callmemakaveli:
DM on WhatsApp. Bring a reputable escrow.

callmemakaveli:
I Can't make zelle payment. But I can send ach/wire payment to a USA account you may provide, while you pay equivalent in naira.

Let’s deal if you agree to send and allow the funds to clear into the recipient account before you get your naira, which can be deposited with an escrow.

It’s owned by a highly responsible individual. Is your money clean? If yes, let’s deal if you can send through Zelle. That gives less hassles.

Mrbeske:
Is the zelle clean ? If yes oya zo ma na

My terms are: 1. We use an escrow 2. You will have to send the USD to the recipient account first before you receive your payment in naira.

Number 2 is non-negotiable. If you agree, we can proceed.

plumdolo:
1370 works for me. Email me to proceed.

How much USD do you intend to buy?

I don’t get you. I’m offering a rate of N1370/$. So for every dollar you send, I’ll give you N1370. Let me know if you’re comfortable with that.

plumdolo:
I can use 1370 but you will receive whatever it eventually buys.

Lol there’s no where you’ll see N1500/$ in the current market. I can offer you 1370.

plumdolo:
I don’t use Zelle. I intend to use ACH for the transfer. Rate is 1500/$.

Can you Zelle to a U.S. bank account? What rate are you offering?

plumdolo:
You can send details of the amount you need and your rate range. Email is available on my profile.

You can also provide any details here.

Can you do Zelle transfer? And what’s your current dollar rate?

callmemakaveli:
Okay. Let's chat then. How do we proceed?

plumdolo:
Yes, send a DM

We can chat here on this platform.

We can chat here on this platform.

callmemakaveli:
Yes, my daily bread. How much do you want to transact? Chat me on WhatsApp let me run it for you; 09131825006.

Are you able to send dollars to my Wells Fargo or Discover Bank account and receive the naira equivalent in a Nigerian bank account?

plumdolo:
PayPal, Wise and Bank Transfer Services Available.

Make USD payments in the US for purchases, and settle with us in either naira or dollars in Nigeria. Reach out to discuss further—serious inquiries only.

While this means "I don't know". Superficially, these don't mean anything.

BlueStripper:
It's something like this.

Well, you might be right, but this tattoo means "joy".

BlueStripper:
There is a current trend of Chinese Tattoos on the wrist of Cyber Criminals Aka Yahoo Boys. Investigations are pointing towards the influx of Chinese and Asian criminal elements who had made Nigeria an extension of their network.

When these Criminals first arrived Nigeria, they settled for Lagos, which was bursted by the EFCC. Then they moved to Abuja and now Kaduna and Calabar.

These tattoos looks like fashion but it is a cult related initiation. You see them on their wrist and hands.

Parents and wards should be careful of these trends and stop pushing their children into fraud. Why do I blame the parents? Most of the boys who are engaged in this act confessed that their parents, most especially, their mothers are the reason why they became fraudsters.

Yes, this boys are making money from fraud because their targets are not only Nigerians but foreigners from different countries. One thing is certain, this will come back to hunt them. And when the law catches up with them, they will pay dearly for it.

While I might not be certain about the the Chinese and Asian cults being behind these tattoos, I am 100% certain that this is a cult initiation as I have seen more than 100 boys with the same tattoo. And they are buying houses and cars in Kaduna. How they got the money, I don't know. And they will never reveal the purpose or meaning of the tattoo.

In summary, the boys are rich and heartharddend. Small boys from 13 years to 40 years and the likes.

If you have noticed this trend, kindly share your experience for other parents to learn.

Please do not truncate the purpose of this thread or turn it into a battlefield for tribal or political warfare.

Their usual gossiping nature. How they convinced your African ancestors (grandparents and great-grandparents) that Europeans or Caucasians don't gossip, and only minds their businesses, still amazes me.

Religion makes a lot of people so gullible! It's not only in Africa.

shrinkchido:
https://www.tvcnews.tv/dino-melaye-faces-criminal-prosecution-for-tax-evasion/

His tax liability 234,896,000 reflects Nigeria (234) and Section 896 of Nigeria's Companies and Allied Matters Act (CAMA) 2020 . Or 274M for his North American (code) business empire I always like that country, Nigeria--everything is always codified.

That's how Nigeria got synonymous with scam or Internet fraud in the first place. They--Indians and Asians--were the ones who were scamming people as Nigerians Prince before the noise-making, actual Nigerian Yahoo boys took over to spoil the country's image internationally.

Esthered:
Why did he think of using Nigeria of all the countries in the world.

Lol I just knew you had to be one. Nice seeing you here. I did my youth service in Ovia South West LGA, Edo State, some decades back.

elawure1:
Sure bro! You got me.

Usen man?

elawure1:
Zenith bank actually paid me upfront. I am not sure if all banks do same. Thank you!

Lol viper, cobra, mamba (green or black), etc. are the names of snake. Also you must always say or write "species" with an ending "s", not "specie".

illicit:
It's a snake

You mean what specie, not the name

I doubt if snakes have names

They should do whatever.

They should do whatever.

I get you, but bonds and Sukuk are a different case—they usually pay out quarterly. Treasury Bills are always (I have not personally had or heard of a default) paid on time at maturity because it is a one-time payment, and I think they typically have sufficient time to prepare for it.

20% discount rate of CP with 10% WHT is equal to 18% effective discount, plus you don't get paid until maturity. With Treasury Bills, I get my interest upfront and can reinvest it in some other high-yielding financial instruments to beat CP, bond, or Sukuk rates.

I guess it's to each his own--you're the CEO of your portfolio!

freeman67:
I am aware that it carries more risks than TB but like I said earlier, I have done rinse and repeat for like 8-10 CP's. Though not much, but inside the 10, it's only one that didn't pay at the exact date infact my last CP that matured came at 01:00 am of that day. Some have come a day before and most of them come at that exact date. The only one I have done so far that defaulted is Afex Fair Trade Exchange that delayed and they communicated about issues with their bank that'll make them not to pay at the scheduled date. Even though I will never subscribe to any CP from them again (Because they didn't pay me extra kobo for the delay), It was well communicated.

I have a few Sukuk, FG Savings Bond and FG Bonds running. Since the end of 2023 there is none that has paid me the rent or coupon at the exact maturity date. Some of my enquiries on them are on the TB thread. Other people too concurred.

I also have not seen any TB with better rates in the same period with the CPs sha. The highest CP most time is 270 days which is about 9 months. I have StanChart, Stanbic Blunest and i-invest apps where I check secondary market TB's I have not seen rate for that tenure that is up to CP rate.

Again, that's not true, one of my multiple Treasury Bills investments matured on the 26th of June (about two days ago), and I was paid in full. It was with GTBank. I have done this for more than a decade and never have I been charged any fees at maturity. Every charges, including Custodial fee and VAT, are charged at the tie of investment.

sirrotex:
The charge comes at maturity when your principal is returned to you

I get your point, but I think using the bank's secondary discount rate and equivalent yield for TBills, I'm getting equal or even better returns compared to commercial papers (CPs), which carry higher default risk. Treasury Bills, backed by the Federal Government or or our national oil reserves, are far more secure—worst case, the government can print more naira to pay. I've never experienced delays with TBills, but I know several companies that have delayed or defaulted on CP payments at maturity.

I'm not trying to discourage anyone from investing in CPs—they can be a valuable part of a diversified portfolio with varying risk and return profiles.

freeman67:
If I can remember very well, I was made to understand that the tax holiday on both TB and CP expired at the same time then. So they should both be subject to WHT now. That said, there are some classes of investors exempted from the WHT. It's mostly individual investors that pays the WHT most times. Institutional/corporate investors do not pay in CP.

Lots of TB individuals subscribers do not have what it takes to stand alone and bid for themselves so their bids are collated and presented as the banks bid. That said, so that may be why it's still seems that they are exempted. Also, the most times the rates given out by the banks are in the guise of what they bidded is usually lower that the official stop rates.

I stopped TB investment especially primary market since around 2020 due to very low rates. Then recently I was tying to go back but had to stop, due to delay in repayment and lack of respect for investors plans and feelings especially from end of 2023 to this period. Though riskier, I find myself more at peace with CP at this moment than TB. As of now, I have not experienced much default in CP payment dates than I have in Government Securities these days.

I’ve never been charged tax on my Treasury Bills, including the most recent one I purchased in March 2025. When exactly did this new tax regime take effect?

sirrotex:
TB's are now subject to withholding tax

Really, these are equivalent to or even sub-par with T-Bills because CPs are subject to 10% tax rate, while TBills are not!

freeman67:
People do ooo. It's just dependent on your risk appetite. That's all. Me I still do sha.

Infact lots of CP's in the market now.

Afrinvest just sent me notice for the Mercure Industries, Ucap sent me a notice for champion Breweries also, then coronation action sent me notices for Fidsonson healthcare and Coleman Technical Industries.

Dangote Sugar Refinery and Skymark just ended this week too.

I'm referring to people whose application status hasn't changed since they applied, yet they still received test invites and weren't asked to reapply.

TeddyX:
That's because exxon made mistake on the Application forms ie the job related questions that led to such status change upon submission. They sent links to people to reapply after the adjustments was made.
So What I'm spoke about is the status change after the test submission.

My brother told me of some of his colleagues who saw "No Longer under Consideration" status on their application pages and still got invited to write the aptitude test, yet they've not gotten any rejection letters. So, there are many nuances to this thing. Just helping you guys with my input.

TeddyX:
Good morning chief,
You are welcome. Its been coming in since last week. Keep checking your profile for update.
Some candidates have been weeded out without knowing since their application changed to no longer under consideration. It takes 2-3days after such update on the application to receive regret mail. Cheers

It's called "cutting the dragon's head". Although Trump is just an attention seeker who always wants to be the center of everything. He has been jealous of Netanyahu all along, he just had to order this attack before the peace talks begin so that he doesn't lack any bragging right in the regime's defeat.

Mistersolar:
hamas attacked israel first, hamas be terrorist, so what is israel attacking iran first

Of course, this can only be from Stanbic.

Jetline:
Yes, I got it from Stanbic IBTC bank- secondary market offer

At which bank did you get this from, is it Stanbic?

Jetline:
I got 280 Days for 19% today at the secondary market.