DPizzy:

Just evaluate your B.sc only bro and save yourself of undue delays.

perks:
Guys my wifey got LRWS=8,7.5,6.5,7. Am looking forward to mine next week Thursday. I hope not to fall hand.

bigbroda:
Can anyone pls explain what treasury bill is and how it works to me? Pls also help answer d questions below:

1. Does it have minimum deposit/amount, if yes, how much?
2. Can I always get/buy it anytime I wish?
3. Where/How do I get it?
4. What's d duration (minimum and maximum), is it(duration) fixed or I decide?
5. After dealing, can it be terminated anytime even before d due date if I need money?
6. Does it work like shares which is subject to profit/loss or like FD which guarantees profit?
7. If it's like FD, what's d interest rate? Is d rate fixed bankwide or varies across banks?

Make una no vex say d question plenty small o. Since it's allowed as POF, just thinking about it ni.

Triv:
Hello people, please is there anyone here that has received PPR mail with AOR in February? This wait is killing, the only update I have is medicals passed and my BG moved to NA in April and since then no movement at all.

LordSebastian:
I know a friend who has. Shockingly, he got the PPR in April. Such speed!

Triv:

Wow in April? That's fast o! I think I'll order gcms notes. Thanks

Ibroh24:
Hello nairalanders!

Does anyone knows about frenage travel in challenge, ibadan?
I wanted to know maybe they are scammer.
They do advertise abt travelling to Canada on radio programme.

esosa4real:


We dont know frenage in challenge, but you can go and engage their services and findout for us later if dem be scamitoes or not!

We dey here 247!!

bigbroda:
Can anyone pls explain what treasury bill is and how it works to me? Pls also help answer d questions below:

1. Does it have minimum deposit/amount, if yes, how much?
2. Can I always get/buy it anytime I wish?
3. Where/How do I get it?
4. What's d duration (minimum and maximum), is it(duration) fixed or I decide?
5. After dealing, can it be terminated anytime even before d due date if I need money?
6. Does it work like shares which is subject to profit/loss or like FD which guarantees profit?
7. If it's like FD, what's d interest rate? Is d rate fixed bankwide or varies across banks?

Make una no vex say d question plenty small o. Since it's allowed as POF, just thinking about it ni.

dtush:
Good day house,

Is there a way to check if IQAS has received my documents?

I did not get any acknowledgment of the documents i sent myself neither did i get any for the transcript sent by my school. I tracked both packages and they have been delivered

Thanks

miella:


I wouldn't take such risk though! Did you write yours word for word?

Dammiehar:
You need to be really patient. They will get in touch when they are ready, and their processing time is getting slower and slower. I received acknowledgement 20 days after they received the documents I sent, and 14 days after they received the documents my school sent.
They have also increased their processing time to 30 days after all documents are received, so you need to relax and focus on other things, they will send it.

Kontagious:

Hello bigbroda, let me make an attempt at your questions.

1.) it depends on your bank, I think some have minimum amount as low as N100,000. But any amount you wish to invest must be in multiple of N10,000.

2.) you can request at anytime but bids for treasury bills are done every two weeks, so if you request say some days after the last bid, you'd have to wait for the next one that comes two weeks after the last. You can however place your request at any point. Your account would only be debited I think a day to when the treasury bill will be booked.

3.) go to your bank and tell their customer service representative you want to invest in treasury bills, you'd be given a form and advised on rate and the next bid date (usually within two weeks). Rate is usually higher than FD rates. In the past months, it's been around 13.5% (for 91days)

4.) minimum duration is 91days, not sure of maximum

5.) it cannot be terminated. (but I think it's transferable)

6.) it works like FD with a set return rate, but unlike FD that you get paid your principal and interest at the last day, for T-bills you actually get paid your interest on the 1st day. That is, say you invest N1m for 91days. You'd be debited N1m on the day of bid and credited your interest same day, then on maturity, you get your N1m credited.

7.) rate slightly varies across banks say +/- 0.05 percent. So, bank A might offer you 13.5% while bank B might offer at 13.45% while another offers 13.53%. Slight variation across bank as there is a set rate from FG, the variation is where the banks makes their spread.

However, from personal experience, I have realized FCMB as better rates compared to FBN and GTB per time (for same range of amount) even for FD. You'd be shocked to find 8% at FCMB and 5% at GTB, 5.5% at FBN for FD.

Disclaimer: please choose bank at your discretion!

I hope this helps, others can weigh in for better response

Kontagious:

Hello bigbroda, let me make an attempt at your questions.

1.) it depends on your bank, I think some have minimum amount as low as N100,000. But any amount you wish to invest must be in multiple of N10,000.

2.) you can request at anytime but bids for treasury bills are done every two weeks, so if you request say some days after the last bid, you'd have to wait for the next one that comes two weeks after the last. You can however place your request at any point. Your account would only be debited I think a day to when the treasury bill will be booked.

3.) go to your bank and tell their customer service representative you want to invest in treasury bills, you'd be given a form and advised on rate and the next bid date (usually within two weeks). Rate is usually higher than FD rates. In the past months, it's been around 13.5% (for 91days)

4.) minimum duration is 91days, not sure of maximum

5.) it cannot be terminated. (but I think it's transferable)

6.) it works like FD with a set return rate, but unlike FD that you get paid your principal and interest at the last day, for T-bills you actually get paid your interest on the 1st day. That is, say you invest N1m for 91days. You'd be debited N1m on the day of bid and credited your interest same day, then on maturity, you get your N1m credited.

7.) rate slightly varies across banks say +/- 0.05 percent. So, bank A might offer you 13.5% while bank B might offer at 13.45% while another offers 13.53%. Slight variation across bank as there is a set rate from FG, the variation is where the banks makes their spread.

However, from personal experience, I have realized FCMB as better rates compared to FBN and GTB per time (for same range of amount) even for FD. You'd be shocked to find 8% at FCMB and 5% at GTB, 5.5% at FBN for FD.

Disclaimer: please choose bank at your discretion!

I hope this helps, others can weigh in for better response

infix123:
Additionally, Always try to put all your document to be uploaded for CIC in a separate folder so as to avoid a mix-up when uploading and please confirm the document is compatible and can open in different versions of PDF before uploading

Jolao:
Hello House,
I'm totally new to this thread, though i have gotten a lot of priceless information but i have a question.

My husband is the primary applicant, He's a medical doctor, he practised for a year and he presently works in a Health management organisation (HMO), is it possible to combine the two work experience, to claim points for 3years or just stick with the one year Hospital experience?

yimiton:
This is so informative. Thanks for taking your time to break it down the way you have. Please I will appreciate your response to the questions below:

1. Is TBill acceptable as PoF?
2. Does fixing it for longer guarantee more interest?
3. Is the interest paid into my account from day one or is it added to the capital?

dtush:
Good day house,

Is there a way to check if IQAS has received my documents?

I did not get any acknowledgment of the documents i sent myself neither did i get any for the transcript sent by my school. I tracked both packages and they have been delivered

Thanks

Investfirst:


You will receive confirmation email from IQAS 21 days from the date of receipt. So count 21 days from the date courier delivered and you will know when they will get back to you.

apyhour:
Hello All,this is my first post. Was referred here. I have submitted my application but during medicals, spouse was diagnosed with HIV. What are the options here?

Bimpsy99:
30 days Na wa o. I guess the only advantage they have is that they would usually not verify a Nigerian certificate if they are convinced it is authentic.. Anyone that wants to verify a foreign certificate please use WES jejely

Triv:

Wow in April? That's fast o! I think I'll order gcms notes. Thanks