₦airaland Forum

Hi guys,

Please can I opt for my interest to be paid at the end of the tbills tenor (so as to get the implied yield) in both primary and secondary market? Or is secondary market always debited at the discounted rate?

richmond500:
FG should make it mandatory that u can have only one ATM card with ur BVN and the highest amount u could withdraw a day is 150k.
U will see how this scarcity of cash will be a thing of the past, cos some of those POS people have like seven ATM cards

This won't solve anything, coz what people will do is simply transfer 150k to 10 different people (who have no money in their accounts to withdraw that day) and this 10 different pple will use their ATMS to withdraw 150k each.. Making it 1.5m and give to the owner of the money, he may settle them with 2k each and then gain maybe 10k from each 150k.

Then the cycle continues.... Remember not everyone that has an ATM card has funds in his account.

helinues:
Bro don't blame them.

You see, when you start having money or being successful, you will start meeting lots of people which all of them want to claim same status

Those that you have known in the past but are not yet instrumental in your success might be regarded later while those who are currently on board would be taken care of first

This one need this, this one need that, abeg how many people can you help? Na how much you yourself get? Have you satisfied your own desires before the consideration of others?

A rich man who wants to do a project worth N100m but having only N40m, the person is as broke as someone looking for money to pay rent. The feelings are mutual

The matter no be one way

This is the best statement I've read from you

Shalom428:
Today's rate

Tnks a lot

Shalom428:
Wednesday 4th December. Try to put in your bid today or latest tomorrow morning.

Pls does anyone have the rates for today's primary market auction?

Hi guys, please can you bid in the primary market with an amount less than 50m and go with whatever rate the bank is bidding? Or your funds must be 50m+ B4 u can participate in primary market

The question should be, why did you tolerate that from the dating/courting stage and most importantly, why did you marry a woman that isn't in love with you.

No woman, I repeat, no woman who really loves you will watch you drained financially to the extent of borrowing and not assist you. Except of course, u ain't telling us the whole story or you do not manage ur finances well.

MondayOmoAdugbo:
Don't lie, do you feel the heat

The heat is everywhere na😅

amunkita:
8k Attache in 2005.
40k which rose to 60k in 2008
116k in 2017.
300+ after tinubulation 2024..

Wow, dts nice, I love the progress you r making

immortalcrown:
What is the minimum amount of money considered as six figures?

any amount of money between 100,000 and 999,999 is regarded as 6 figures.. So to answer your question, it's 100k.

So as the topic says, kindly tell us how much was your first salary, how much you earn now and how you were able to advance your career or secure a better job/salary, this will serve as a motivation for some people and give them much needed knowledge to do better in their careers.


Let me start with mine...

I worked in a primary school in year 2013 and I was paid between 4,500 to 6,500 monthly, I was still in school then, so it was more like a holiday job.

Presently, I am into investments and earn six figures or more....

Welcum:
This is a good question but why not start the answer with yourself? Until you do that, everyone will think you're joking.

Thanks, I have shared mine... Waiting for others to do same

So as the topic says, how did you make your first million, please enlighten us, this could serve as an eye opener for others, especially with the current economic challenges a lot of people are facing in Nigeria, a lot can be learnt from different experiences shared and these can give people the much needed inspiration to make money or re-assess their decisions.

So please tell us..
1. How you made your first million
2. What year you made your first million and how old you were then (if you feel like sharing your age)
3. If you are still a millionaire and what happened to the money if you ain't still one.


So I will start with myself....
1. I saved money from my salary for over a year until it got to a million, I just wanted to get my first million and I remembered how happy I was calling myself a yung millionaire 😅😅😅

2. This was in year 2019

3. Yes.


So over to you guys, let's hear your own experience.

Freetech:
It appear this guy has no good advisers

Sorry, i forgot mad man is his adviser.

President of bad news

How can grid collapse caused by vandals become national disgrace.

Must you show your low IQ to the whole world to know?

Must you react to every news like busybody?

Tueh a man who he and his criminals party leadership couldn't account for donations collected . What nonsense is he saying again.

Spit,

Are u not ASHAMED TO SAY THIS?

How can u be confident enough to continue accusing vandals of being behind NATIONAL GRID COLLAPSE FOR THE UMPTEEN TIME.. and yet as a nation, we can't caught nor prosecute any vandal yet?

Doesn't that tell u our security architecture is moribund?

Keep shifting blames... Ur mind og soon touch ground.

ijustdey:
https://leadership.ng/fuel-price-increase-how-fg-can-lessen-burden-on-nigerians-stakeholders/

Let them SHARE RICE as usual

Hope this will not lead to a further hike in the price of PMS?

peculiar3:
...once my 40M ticket enter, I'll start my own tour of 7 countries

Lol... Wen abeg? Mk u do give away for evrybody?

Make Man U no cut am o... Lol

So does it mean Ex President Buhari didn't see the 'supposed new naira notes' before it went public?

How can Emefiele have produced something different from what was presented and the President allowed it to be printed and go into circulation?

Them no go see young hustling man support now.

If someone comes online to tell some sob stories, pple will be donating millions upandan. Not that I'm against that, but I think OP shld be among those that people shld come to their aid..at least even if it's giving him a GAINFUL EMPLOYMENT or money to SET UP A BIZ.

Neduzoma123456:
Below is an example of a school worth fees of 30k

100 students pay 30k = 3,000,000
10 teachers gets 70k = 700,000

10 students per Teacher (very realistic, don't argue)

A term is usually 3 months...School fees is paid once...Total monthly salary of teachers would be 700,000 x 3 months..that gives us = 2,100,000

What stops schools from applying this.

Then imagine a school of 290k as fees paying cheap 55k for labour ...like seriously...THIS IS WRONG!

it just pure wickedness...most School owners and Business owners in Nigeria are cruel...SIMPLE... They only want to use you dry.

Are you really serious with this your submission?

So the school will make an average of 900k every 3 mnts.. Meaning the owner of the school will go home with 300k monthly? Is this even feasible?

Let me put forward some questions to you to answer...

1. Have you considered that apart from teachers salary, there are other expenses the school incurs monthly, like cost of maintenance of school properties, some levies the school pay to authorities, other staff that are working in the school in non teaching positions (principal, secretaries, school nurse, cleaners, printing of exam papers, documents, adverts, telephone cost and other office expenses or running cost etc). How much do you think these persons will be paid monthly from the 300k that will remain after the school pays the teachers. Note that this is not even an exhaustive lost of their monthly expenditures and I didn't add miscellaneous activities like school bus (if they have one) etc to it

2. Say the owner of the school even gets 300k monthly... Be sincere with yourself, how much is 300k

If you were the owner of the school, will you really take 300k monthly as your take home salary, after using your strength, ability and brain to run your school business for 30 days? Even those who work for others in the corporate world earn better than 300k, yet you expect an entrepreneur with a capital intensive business like running a school to take 300k home... X'mon.

3. Do you know how much it cost to build or set up a school... At least a school that's standard enough for parents to be willing to pay 200k+ termly? Do you?

So after investing several millions to set up the school, you really expect the ROI to be 300k monthly? Do you even know the managerial skills that needs to be employed in running a school to make the school profitable especially in this present economy? Yet 300k is good enough for the owner to take home?

4. Have you considered that the millions of naira used to build or set up the school might be a loan that needs to be repaid? And u think 300k monthly that's not enough for the school owner to even enjoy (based on his status and ability) will be enough to service loans and all?

Do you want a school owner to be trekking to school because he or she can't afford basic luxury or some benefits that's supposed to be enjoyed?

5. Do you know at the rate above, it will take probably 10yrs+ to break even? I'm not even talking about making profit o, just breaking even.

In as much as most employers UNDERPAY their employees in Nigeria... Also consider the fact that business owners are in the business to make and maximise profit. So no one will pay you salaries that'll be detrimental to their own welfare or that of the business.

EVEN 500k salary is not feasible for a school owner that invested millions of naira.

Should the school do better in terms of payment ... YES OF COURSE

Should the school owner take 300k or less home monthly... NOT AT ALL.

Magicalsineros:
Its common for a well to do woman to help a man without anything involved, but not the same with men.
Even the woman in the story that brought this post, was trying to feed her family by accepting help from her husband's friends, who could not help her or her husband without defiling her.
Or was she not trying to help her husband?

She was trying to help her family and not HELP ONLY HER HUSBAND. She is an adult and also have financial responsibilities to her children just like the man. Except of course she is just a liability of a wife.

Magicalsineros:
Its common for a well to do woman to help a man without anything involved, but not the same with men.
Even the woman in the story that brought this post, was trying to feed her family by accepting help from her husband's friends, who could not help her or her husband without defiling her.
Or was she not trying to help her husband?

Common, you say?

I totally disagree with you.

How many men even run to women to 'ASK THEM FOR A FAVOR' let women do every other minute of the day

Magicalsineros:
How many women can you help without demanding for their body in return? Just answer this question in your heart

Let me ask you too some questions...

1. How many men have you seen asking women for help and they actually got that help especially financial help (with or without strings attached)?

2. Why do women not seek help from their fellow women when in need but are SO QUICK to run to a man or another man to seek for help whenever they have financial needs (so much for women supporting women)?

3. Why do you think it is the duty of ONLY man to help a either a MAN OR WOMAN in need and not the duty of a woman (so much for gender equality)?

Nonny95:
https://gazettengr.com/vice-president-shettima-promises-maiduguri-flood-victims-50-trucks-of-rice/

Lol... This government no go keepers on with laff.

The Don kuku give una rice make una plant am inside the flood, since rice thrives well in plentiful supply of water.

#AudioRicePalliativeGovernment

Good

emmasoft:
1. Yes. Everything can be done online from registration to Redemption. In fact, many clients in the diaspora have not even been in Nigeria for years and are dealing successfully online. Click the first link on my signature to register.
pick tier 3 when you get to that option. Tier 1 is limited actually for financial inclusion, it can't hold an amount above 200k but Tier 3 has no limit, you can invest as much as you have even if it's billions.

2. Yes. Redemption can be done using the app or online portal without leaving your location. If you apply to redeem before noon you get credited the same day, if after 12pm, weekend, or holiday, you get credited the next business day.

Please use my link to help my ministry. I am looking forward to having you onboard.

I have finished filling the registration form, however, I keep getting this error message while trying to submit "Error [object Object].

Is this a network ish or something else, coz I've tried using both my phone and laptop and the error message still persist even after trying over 5times.

emmasoft:
You can, but you will have value on the next business day.

Good afternoon Emma,

I'm interested in registering, however, I want to confirm:

1. if I can conclude all the registration wt stanbic ibtc online (that is without visiting the office)

2. If I can also place withdrawal and other requests online and it'll be processed or will I have to have a telephone conversation wt them or visit any branch before withdrawal?

Thanks...

ActiveFarms:
I need anyone to guess the approximate range of the number of cobs in the picture below. I will give the top ten closest winners Half bag of Maize in November, any part of the country you are based.

Number of cobs is 2,450....

96ACE:
Why are all the Nigerian banks selling shares all of a sudden?

Because of recapitalisation

LocalFARMERS:
Kaduna main town has always been safe. You can sleep with your door wide open in Kaduna and nothing will happen. However, you can't try that in the South. For instance, in Benin even with your doors locked, you are still not safe. Not to talk of sleeping with your doors open.

The problem with Kaduna is the high ways. Bandits used to kidnap people. But the kidnaping has reduced drastically. You can travel on our high ways with peace of mind. I am a farmer and I go to my farms frequently. I have never seen or come across any Bandits.

My Farms are about 90 kilometers away from Kaduna. It is located along Kaduna/ Abuja express way. That area was notorious for bandit activities in the past years. But I have never come across them and by the grace of God, I won't in my life time.

The farm location should be around Olam farms/ Katari then, pls be careful around those areas bcoz of kidnapping incidents that are rampant in Kad/Abj express way.

Good morning.

Please I need some sort of guidance:

Is it possible for IHS to be refunded to another account, the person's account we used to pay for IHS is no longer in use (closed), so is it possible I get the IHS refunded to another account number?

Does anyone have an idea pls?

Thanks...

Good morning.

Please I need some sort of guidance:

Is it possible for IHS to be refunded to another account, the person's account we used to pay for IHS is no longer in use (closed), so is it possible I get the IHS refunded to another account number?

Does anyone have an idea pls?

Thanks...