sexylado:
I'm also encounter this same problem but all advice is I should look for dog� and buried on the land you can also try it

nnekaike:
termites are disturbing me too, I was told of burying dog in the compound also,does it really work.

dynamix101:


Laboratory analysis?? You are being serious, for real?? In this Nigeria or where??

Ephiezy4real:
Location is Osun state. Can deliver nationwide. please reach me through whatsapp 08157010134

Ephiezy4real:





I sell dried cassava in large quantity

dizney07:
Any pig farmer in gberigbe ikorodu should please contact or chat me up on 07061117795 I need some info about d settlement.

kristien4:
Is it likely that the rates will begin to drop after the election?

dipoolowoo:
CBN Raises Rates for 91-day, One-Year T-Bills at PMA
https://businesspost.ng/2019/01/17/cbn-raises-rates-for-91-day-one-year-t-bills-at-pma/

cooldudeng:
I Know there's been a long debate on this

What happens when you bought T-bills at a low amount and then the prices go up. Does it make sense to sell and jump in again? Hope the gurus will help out

Using real examples

A 1million bought at 11.15% in August 16, 2018 for 364 primary market. Does it make sense to sell now?

donshady:
One thing is like to invest with bank with Tier 1 capitals like First Bank, Zenith Bank, Access Bank, UBA, GTB..

C4Ltd:

I dunno there's something about shakara in banks that makes me more relaxed. though ibtc gives juicier rates, more than 60% of my investment is in fbn. I'm usually sceptical about "inviting" rates. There was a time ibtc was shaky but they've recovered ever since. just my premonition. anyone can enlighten me though to this effect.

RealityShot:
thank you..
am so unhappy right now.. I asked them to do it in my presence, but they asked me to go in peace.

now i just got a message that i can't move more than 20k from my account!

am going there later today to scream a bit...

C4Ltd: so many bottlenecks in this country O! I weak!...

donshady:



So even if I move to stanbic, it's likely they act the same. Wahala dey ooo.

realjidejamal:
Hi Guys,

Season greetings to you all. So I request for my treasury bill to be terminated on Monday, I got it from secondary market on 12 September, 2018 and the maturity date is 14 February, 2019
Face Value is #825,000
Discount Rate is #783,309.25
Rate is 11.900
Transaction Fee is 300
Safe Keeping is 175.1

I got 40k plus as my interest l.

I received a call from them today, that I will be credited with 801,000 shortly and when I asked them the rate they are selling it. It’s 14.0

My Bank is StanbicIBTC

Our permutation about termination is true afterall and mind you I’m still the Union Bank dude

wuwu2:

This was educative. Tnx. So can u fund the dorm account with naira? Or u have to obtain dollars from elsewhere and deposit directly?

NobodyKnows:
February 5 ,2019

Exxkay:
Waste sausage and dough are available in large quantities, I need a sure buyer that can be buying this on a weekly basis
It's majourly meant for those that produce fish food or pig food or any other feed mill

Contact me through the number below or chat through the link

TONY56:



Please why are you shielding the name of the bank?
Tell us the name of the bank and let everybody know the antics of the different banks so that we can know what they do in other to be careful and be more vigilant.

For example, if not that someone informed us here sometimes last year that Union Bank charges 25% penalty for premature termination of Treasury Bills, a lot of us wouldn't have known. And for this reason, I will NEVER go there.

If your TB transaction was at the primary market, the officer was right to have asked you to write that it should be at the bank bidding rate and not at "the prevailing rate" if the amount involved is less than N50million but if it's at the secondary market, he should let you know the rate of the available offers so that you will know and be pleased with the one you chose before giving him the go ahead.

Mfunkynation:
stanbic rate is better concerning 114 days @ 10.9%

Vault007:
Gurus in the house, pls what is the minimum amount one can invest for Stanbic-IBTC tbills?

lolaluv1:


The bank is GTB.
Though I suspect the issue is with the account officer and not the service. Because I asked her to give me the available rates and she stated she doesnt know yet. But writing that they bid at the prevailing rate would allow them bid for me at they rate they (GTB) are bidding. I will find all the information regarding the TB and the charges and write here.

CanadianEnginee:


25 % of the interest? Is the penalty fixed or would they look at the months left before maturity?

Mfunkynation:
Did u get it from the same bank? I agree with you. lets compare that of fbn also if it is available

Mfunkynation:
bros, so no interest for re-investing the upfront interest?

Oma255:
Stanbic secondary market rate today.

59 days - 10.35%
101 days - 11 %
143 days - 11.5%

lolaluv1:
Good evening all.
I did a TB transaction at one of the existing banks and the account officer told me to write on the instruction that the TB should be invested "at the prevailing rate". She never gave me a rate at which to invest. I was later debited and my interest was paid upfront.
Also, what is the use of this TB certificate, as I didn't go back for mine for safety reasons as I don't want people to come across such sensitive information.

Kemade2007:


Yes that's what they told me even from Hq bt when I asked for it he said they are unable to print it. Thank God, I have received the notification this evening confirming it. By tomorrow or next, I will go for the hard copy. Thanks all

Gavrelino123:

Oga Tony,how about requesting for the TB Certificate to view the transaction history clearly..?

Kemade2007:
Please I need your advice o
On Friday I went to Stanbic for my TB(secondary market). In the evening, my account was debited with the exact money I invested and other transfer fee was also debited. To my surprise, till this hour I've not been credited with my interest and ds is unusual of them. Please advise me on what to do. This is my third time of TB with Stanbic and it was not like that before

TONY56:
Hmmmmmmm.
Apart from the descerning investors, all others were caught unawares in last Wednesday Treasury Bills Auction.

A lot of banks got their bids but most of them bidded low compared with the stop rates because they could not see the increase coming.
The signs were there but only the descerning investors could see it.

The CBN before the auction indicated that they were going to offer far more than the maturing bills for the 91-day tenor. The maturing amount was about N4billion but CBN offered N24billion while reducing the 182-day tenor and offering the same maturing amount for the 364-day tenor which also indicated that they needed to borrow more from the market than previous auctions but banks that were not skillful enough in Treasury Bills failed to seize that opportunity to increase their bid rate and at the end of the day, they got the low bids they asked for while the discerning ones got close to the stop rates.

That's why it's always better to go with the banks that mostly get their bids close to CBN stop rates like Stambic, First Bank and GTB.

while some banks got their bids through at about 10.8%-11.5%, the descerning ones got theirs at between 12.5 & the stop rate of 13% for the 364-day tenor and some customers who do not understand think that they were short changed

See the attachment below:

Gavrelino123:

Oga Tony,
Welcome sir...!!!!!!