 munezo(m): 11:00pm On Nov 29, 2017 |
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| munezo(m): 7:00pm On Nov 29, 2017 |
Preciousify:
2-3 months.
One month after the medicals, we were called for interview.
Are you in camp?
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| munezo(m): 8:38pm On Nov 27, 2017 |
You can still do TBills for a long term. But if you prefer mutual fund, make sure it is a Money Market Fund only.
Enyinne:
What about tne mutual fund someone mentioned here .since am investing for a long time purpose, don't u all think it might be better?
Make una no vex with my question ,I be JJC.
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| munezo(m): 8:26pm On Nov 27, 2017 |
The most important thing you need now is knowledge. I will advise you to go and read the book titled "Money Master The Game" by Tony Robbins. You can also watch his youtube videos where he spoke about financial freedom.
Here are some of his quotes.
"If you don't master money, at some level, it is going to master you". - Tony Robbins.
"When it comes to your money, what you don't know can, and will hurt you" - Tony Robbins
"Asset allocation, where to park your money, and how to divide it up, is the single most important skill of a successful investor." - Tony Robbins
"Ignorance is not bliss. Ignorance is pain and poverty in the financial world." - Tony Robbins
All the best
Enyinne:
Am just in a fix on what I can invest my 10m I have .I was doing oil business for 5yrs now and I have gained and lost so much in it .When u think ,all is going well ,something will come and sweep some part of the money away so I decided to leave the business and look into something else .
Am currrently in usa trying to cool of my recent "Lose" i made in business ,I hv a plan of importing goods from China as I can access the visa .
I looking in the area of household but I need someone to broaden it and give u more ideas to move on as I can't think straight .
My people help a sis with some ideas .
God bless
1 Like |
| munezo(m): 8:16pm On Nov 27, 2017 |
N2m at 15% interest rate will yield N8m in 10 years time
Enyinne:
Pls can anyone help me calculate this . I intend to buy stanbic mutual funds for my 2kids . 2 million for both kids for 10yrs .I hv tried to calculate the ROI for such period but am not experienced in this . Pls can someone teach me how to calculate it so i will know what I stand to gain on d long run . Thank u
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| munezo(m): 8:14pm On Nov 27, 2017 |
N2m at 15% interest rate will yield N8m in 10 years time
munezo:
I will advise you buy TBills for them. Re-invest the upfront interest in TBills too. When it matures, buy TBills again. Do this consistently for the next 10 years and thank me later.
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| munezo(m): 7:56pm On Nov 27, 2017 |
I will advise you buy TBills for them. Re-invest the upfront interest in TBills too. When it matures, buy TBills again. Do this consistently for the next 10 years and thank me later.
Enyinne:
Pls can anyone help me calculate this . I intend to buy stanbic mutual funds for my 2kids . 2 million for both kids for 10yrs .I hv tried to calculate the ROI for such period but am not experienced in this . Pls can someone teach me how to calculate it so i will know what I stand to gain on d long run . Thank u
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| munezo(m): 7:25pm On Nov 26, 2017 |
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This is very f**lish of him. May God give us understanding so that we will not be unnecessarily overzealous.
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| munezo(m): 9:53pm On Nov 22, 2017 |
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3 Likes |
| munezo(m): 5:06pm On Oct 25, 2017 |
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This is an insult to our democracy and anti-corruption crusade
1 Like |
| munezo(m): 1:18pm On Oct 19, 2017 |
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This Lagos of a state is too funny. You must see something to laugh about anytime you go out
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| munezo(m): 12:07am On Sep 20, 2017 |
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You are on point OP, good job
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| munezo(m): 10:31pm On Sep 04, 2017 |
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Why is this house quiet?
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| munezo(m): 9:00am On Aug 17, 2017 |
You will receive an email stating the rate it was bought at. Stay with Stanbic, it is a good bank. But you may sometime experience some slight issues with them, in all, you will enjoy the bank
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?
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| munezo(m): 7:51pm On Aug 03, 2017 |
I just got the alert now. I did 182 days and the rate was 17.28
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
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| munezo(m): 8:55am On Aug 02, 2017 |
Treasury Bills
Amypriti:
Hello guys,
Please which is better and also yields higher interest
Treasury bills PR stanbic ibtc mutual funds
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| munezo(m): 12:07am On Jul 23, 2017 |
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I agree with the governor. Uneasy lies the head...
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| munezo(m): 7:53pm On Jul 04, 2017 |
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I agree with you on this Mr. Melaye, it is shameful and disrespect to the Senate for a rejected appointee to still be heading a sensitive office like EFCC
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| munezo(m): 6:31pm On Jul 04, 2017 |
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More update please
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| munezo(m): 11:58pm On Jun 07, 2017 |
Let sleeping dog lie
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
1 Like |
| munezo(m): 11:35pm On May 30, 2017 |
Check the history of their primary market rates and see if it better than secondary market. Then make your choice
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
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| munezo(m): 10:48pm On May 03, 2017 |
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We miss him greatly. He is Nigeria's best even at death
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| munezo(m): 8:14pm On Apr 23, 2017 |
So what exactly do you do? Which business have you set up?
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 ed 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 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
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| munezo(m): 8:16pm On Apr 21, 2017 |
Good job, thank you for taking your time to do the breakdown
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
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| munezo(m): 3:54pm On Apr 18, 2017 |
Pm me I will send you someone's
asbanko:
Can someone please help with a knowledgeable 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.
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| munezo(m): 8:33pm On Apr 17, 2017 |
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How much is Huawei P9 Plus?
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| munezo(m): 12:34pm On Apr 06, 2017 |
They always send the monthly discount codes to ' emails
Samabu07:
Munezo, how do you use the coupon codes on namecheap.com?
1 Like |
| munezo(m): 8:23am On Apr 06, 2017 |
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Guys,
What do you think about DHGate.com? Are they reliable too?
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| munezo(m): 8:21am On Apr 06, 2017 |
Yes both companies accept Nigerian cards, but I prefer buying from NameCheap because it is cheaper
Samabu07:
Do Go daddy or Name cheap accept Nigerian debit card? I am curious to know.
1 Like |
| munezo(m): 9:35am On Apr 03, 2017 |
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Ballistic Missile #BallyRally
I wish you stayed longer
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| munezo(m): 7:10pm On Mar 31, 2017 |
Your boss is right. You are suppose to give the company one month notice before you resign. This is a common place HR practice.
In all, you need to make sure you exit the company on a good note because you may need them in future.
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 ing staff at a microfinance bank. I worked there for 4 months and stopped working Yesterday after receiving this month salary. I travelled today to 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 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
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