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Nairaland Forum / Nairaland / General / Health / NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! (4560906 Views)
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Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by Onegai(f): 6:26pm On Oct 01, 2016 |
Maran1983, don't pull out all their funds, just invest some. I learned about Treasury Bills on Nairaland Business section. I think helovesme is in Investment/Finance so maybe she can give advice on diverse portfolios in general. But yeah, 1% on Savings account is just annoying and that's what most banks offer. |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by iomoge2(f): 7:29pm On Oct 01, 2016 |
BritneyStacy: First of all, you need the share certificate or the certificate number. Then contact brokers or what ya man call it. You canveven contact the customer service of the teo bodies n take it up from there. They will either link you to the guys or give u their contact. |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by iomoge2(f): 7:32pm On Oct 01, 2016 |
maran1983: I still think bonds is better sha. U dont get to touch the money for d time specified Tbills is tempting and the interest is always paid upfront. 1 Like |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by rofemiguwa(f): 7:32pm On Oct 01, 2016 |
Onegai thank u so much. Please how much minimum do i need to start up the treasury bill account for my daughter. Does d rate differ with banks. I bank with firstbank.do u know there interest rate?? Please help me out Cc helovesme Cutiereborn iomoge2 |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by iomoge2(f): 7:35pm On Oct 01, 2016 |
rofemiguwa: Diamond do 100k minimum. The last rate i got when i check on tuesday last week was 14, 14.5 n 15% It went up from 11% it used to be. I think bank rates differs. Dunno of other banks 2 Likes 1 Share |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by Onegai(f): 7:41pm On Oct 01, 2016 |
iomoge2: Can you not roll it over? If the minimum is N100,000, please how much are bonds? ARM says it does minimums of N5000 on the pdf I saw. So it seems like a more accessible option. |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by Onegai(f): 7:43pm On Oct 01, 2016 |
rofemiguwa: The rates change with each auction. You have to check with bank on that session's rate. I was offered 8.5% and I didn't buy and the next session was 14%. I don't know the minimum for your bank, you have to ask them. 1 Like |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by rofemiguwa(f): 7:46pm On Oct 01, 2016 |
Onegai:Is the session monthly or annually. Sorry 4 my plenty question Hope u dont mind |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by Onegai(f): 7:51pm On Oct 01, 2016 |
I'm glad we're having this conversation here. I'm really learning a lot and that's the beauty of a forum: everyone may be a mother, but they are also bankers, doctors and engineers and lawyers as well. And it's very upsetting to see young people on NL wailing about how broke or desperate they are, when their parents could have (with the right info) started them on their lives a bit easier. And the most important fact, we as women tend to leave these decisions to our men when we may have a knack for it. God forbid something happens to your husband, he leaves the family money to his uncle or brother to administer on your children's behalf. Because he has never seen you show interest in big financial matters, he assumes you need someone to take care of you when he's gone. And we know sometimes how that story ends... 3 Likes |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by Onegai(f): 7:53pm On Oct 01, 2016 |
rofemiguwa: It is weekly or every fortnight. It depends on CBN selling to the banks and the banks have to sell to their customers. So the bank will be acting as brokers. I'm not a Econs person so I don't know too much about the details. 1 Like |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by comtem2011: 8:16pm On Oct 01, 2016 |
Sorry for late response, Saturday things. Different insurance company have different plan in their policies. Like Royal Exchange, you can buy any of their policy for your children, the minimum years are 5&6. Going further in the years depend on your age. If you like you can sign for 21years and if you think the years are too much u can get for 5 years, after maturity you can re-save the money again by buying another policy. These are the plans they have under Prudential Life (1). Heritage plan: minimum of 7k monthly or higher if u can afford it. The minimum year is 5. (2). Investment plan: minimum of 6 years based on any amount you can afford and you can have access to it every 2 years. (3) Edu-secure: minimum of 5 years, contribution is based on how much you can afford. You can extend the years if you wish. There are other plans but these 3 are the main children educational savings account. All the policies have compensation in case anything happen to the policyholder. Certain amount is paid to the beneficiary even if the policyholder has not made full payment before the unforeseen happened. All the policies above can be logged on to for our personal savings too. cc: feddy27 6 Likes 2 Shares |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by dunasy(f): 8:21pm On Oct 01, 2016 |
BritneyStacy: To buttress what onegai and iomoge2 have said, do the following:- a. get to the registrars of these companies, (view from this link https://www.nairaland.com/2273567/list-nigeria-registrars-addresses-updated), you might need to show them a form of ID/ birth certificate which bears your maiden name( believing your surname is changed). Your share certificates, bonuses and dividends would be there, b. you can pick them up and open an account with an investment house so your share certificates and bonus certificates can be decentralized. c. whatever investment house you use, ensure it is credible.You will be given a CSCS No and Clearing House No (CHN), you can take back to these registrars which you have shares with so they can input into their database , this makes you get your bonuses(e-bonus) straight to your CSCS account no instead of share certificates. d. for your dividends, ensure it is revalidated, so you can pay into your current account or ur CHN with your investment house and use to purchase shares. Hope this helps 7 Likes 3 Shares |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by Tojued: 8:43pm On Oct 01, 2016 |
comtem2011: I hope I'm not being ungrateful, but in my experience colic is overrated. Everything they say about it just puts fear in your body. The fear is enough to give the child colic self. Take burping as a very serious task, ensure lo burps after every meal and stay positive. Concerning money matters I did serious online research and standard chartered account came up with best rate. I've personally been using axa mansard since it was gta and I'm happy, but now I will compare their packages to Royal and Arm. For the person complaining about pumping 180 count your blessings, I've never pumped more than 150 and from both breasts. Welldone everyone and enjoy the long weekend. 3 Likes |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by comtem2011: 8:47pm On Oct 01, 2016 |
Tojued:cc: iomoge2 1 Like |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by comtem2011: 8:53pm On Oct 01, 2016 |
Let me market for myself! Any Mama that want to consider our policies should contact me o via PM, No barrier in location. 3 Likes |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by honeyfave: 9:50pm On Oct 01, 2016 |
Interesting topic you are discussing, thanks to all the contributors. On treasury bill the auction is every fortnight and tenure are 90, 180,364 days from primary markets. The interest rate varies, depends on d duration. There is another one coming on Wednesday, oct 5th. You can read more on investment section of nairaland https://www.nairaland.com/878880/treasury-bills-nigeria 2 Likes |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by cutiereborn(f): 10:00pm On Oct 01, 2016 |
rofemiguwa:My dear, I have no idea. Am also learning a great deal here. well done guys! |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by Nobody: 11:29pm On Oct 01, 2016 |
. 10 Likes 3 Shares |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by Rhukie(f): 12:49am On Oct 02, 2016 |
I am sorry I came late for the party. As regards investment for our children, different things must be considered and we should try as much as possible to diversify. Have a savings account, an insurance policy, bonds, treasury Bill and mutual fund. All are very easy but information is very important. I learnt about treasury bills, bonds and mutual fund on nairaland. As for savings account different banks with different policy. My son has an account with first bank and the requirements is pretty straightforward. There are different kinds of insurance policy one can take up and depending on what the company offers. Why I prefer an insurance policy to a savings account is because it has a life cover for dependent /next of kin and the process for damage to be paid is quite easy and also the money can't be withdrawn till maturity except you want to end the policy. I will be using African Alliance children education plan (it doesn't have to be used for their education) the minimum you can start with is #6,000. Let me quote a post I made on it sometimes back Rhukie: 1 Like 1 Share |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by kidco: 2:01am On Oct 02, 2016 |
Understanding books request sequel to ordering consignment 1 samples of picture send does not mean exact type of books requirement unless stated by the purchasers 2 pop up books differ from touch and feel, and movie animation books differ from singing books 3 hard cover paperback does not mean hard interior, but in most cases they do, not all 4 Books despotism to Halloween does not indicate whitchcraft but American cultural celebration 5 books for kids 0-3 can also be in form of Nursery rhymes where adult supervision is necessary 6 New books once printed and unused but sent as low cost to countries like ours are labeled as used and could be seen that way in line with KIDCO business dealings 7 the customer is always right, knowing That let criticism flow to KIDCO via whartsap on 09032730510 thank you Maran1983, please how far, did you sort things with kidco? I spoke to him and he said he was trying to rech you.[/quote] |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by Rhukie(f): 6:56am On Oct 02, 2016 |
what i have come to realise is nobody taught us financial intelligence, except for a lucky few and that is why we are always confused and also make wrong decisions when it comes to money. Thank God for a place like nairaland and people like Arese and Nimi who have taken it upon themselves to teach people how to manage their finances no matter how much you earn. if you have any questions mention me and I will respond 5 Likes 1 Share |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by mezebel(f): 7:00am On Oct 02, 2016 |
hannydarl:can I add it to friso gold? I mean the mashed orishirishi. 2 Likes 1 Share |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by Nobody: 10:51am On Oct 02, 2016 |
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Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by AlphaHandMaiden(f): 1:32pm On Oct 02, 2016 |
Graciouscharis: All should Note the boldened. DO NOT SHAKE BREAST MILK. Shaking breaks down some of the amino acid chains in the constitution of breast milk. Just swirl it gently to re-incoporate the fatty bits that may have seperated. |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by soonest(f): 1:44pm On Oct 02, 2016 |
Happy sunday mamas, please I need more education on this FG bond of a thing. Thanks in anticipation. Cc: rhukie, iomoge2, contem2011 and other sabi mamas |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by helovesme(f): 2:21pm On Oct 02, 2016 |
rofemiguwa: Treasury bills is not the same as a bank account. In lay terms, treasury bills is basically keeping your money with the government for certain number of days and then having your money+interest returned back to you after the agreed period. Once you decide on how much you want to invest and the duration, all you have to fill all the necessary forms. If your bid is successful (your bank bids on your behalf), your account is then debited. Depending on your choice, you can either have the interest paid upfront at the commencement of the investment or at the expiration. Yes, the rate differs with banks as some banks are more generous than others. I think fidelity bank is one of the more generous ones but you can check with your bank and find out their rates. those willing to commit their funds for longer (for example, 365 days) tend to have slightly higher interest rate. Speak to your account officer (if you have one) or the customer service rep at your local branch and they should be able to explain all the steps involved to you. 3 Likes 1 Share |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by AlphaHandMaiden(f): 2:22pm On Oct 02, 2016 |
Hi, See previous post to a similar question quoted at the bottom of the page, Other coments in red withing your post below. Adeime: AlphaHandMaiden: |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by helovesme(f): 2:37pm On Oct 02, 2016 |
I want to add that with every investment, please read the legal pack (if there's one) and thoroughly understand the terms and conditions. If you are not clear, ask as many questions as possible from the company's representative(s) and obtain clear answers to all your questions before you commit your funds. Do not feel intimidated whether it's 100k or 100m that you are investing. Its your money and you have every right to ask as many questions as possible before you commit. Find out what deductable charges are applicable to the investment. Find out what the investment managers deduct as management fees. Find out what taxes are deducted (eg. Withholding tax). Find out what their interest rate is (is it fixed or variable). Ask for an illustrative guide to put your investment in context (that is, if I invest 100k, how much am I getting back after 3 months, what are your charges, what taxes are deducted). An illustrative guide helps in understanding/working out if the investment is actually worth it. Already on this topic, I'm seeing some disappointing interest rates (1%, 3%, etc). It's important to work out all the figures to ensure you are not left at a loss or with very little profit at the end of your investment after all deductions. This is the reason why it's important to shop around and compare rates and charges before you commit to an investment plan. It's also important to ask what penalties are in place if you decide to request for your money before the end of the agreed term. Some banks/investment companies are so mean with penalties as high as 50%. So if your example, you invested 100k and decided to cash in at year 2 and not year 6 as agreed, all you get back is 50k (minus all other deductions). In summary, do your due diligence properly. Check with different banks/ insurance companies. Read up on the companies profile, those at the helm of affairs (they are the ones that decide how these monies are invested) and their reputation. For example, ARM was previously owned by GTB and they also started the very successful "discovery fund". So I could trust their fund managers to properly manage the money market fund which I subscribed to. 2 Likes 5 Shares |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by olaoyekemi(f): 2:42pm On Oct 02, 2016 |
Good afternoon mamas |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by olaoyekemi(f): 2:45pm On Oct 02, 2016 |
Good afternoon and happy Sunday mama's. Officially registering for the second time.promise to be active this time around and also give my little contribution as well. Kudos to Onegai,helovesme,and oda mama's for the great work 3 Likes |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by comtem2011: 2:54pm On Oct 02, 2016 |
soonest:helovesme, onegai. |
Re: NEW BORN BABIES! Are U A New Mum? Then Lets Discuss Babies Here!!!!! by helovesme(f): 2:59pm On Oct 02, 2016 |
Doubledouble: Apologies I'm just replying. Have you tried sweet potatoes combo? Babies tend to love sweet potatoes. Mashed sweet potatoes with diced boiled chicken works well. Sweet potatoes with mixed vegetables (carrot, sweet corn, green peas, broccoli) is also another fab combo. You can interchange sweet potatoes with Irish potatoes. Sweet potatoes, sweet red pepper and spinach Is another combo I recently tried and my son loves. Another combo that's a hit is minced meat stew (minced beef, onions, sweet peppers all fried in small sunflower oil), Irish potatoes and small oily Fish (mackerel). The minced meat stew can also be used to serve him pasta. Boiled Sweet or Irish potatoes mashed with boiled ripe plantain is another favourite. Since your son likes pap, you can blend these combos listed above and feed him and sees if he likes it. With kids, it's all about the texture of the food in their mouth. Your son might not like lumpy food and would rather like his as a smooth paste. Oven baked potato chips with fish is another combo. If your son has no allergy, wheat bread is another favourite. In addition to everything listed above, try and be more creative during feeding times. Other tricks such as singing, using words like "yummy", you pretending to eat the food, a big "yayyyy"/excitement and clapping for him every time he takes a spoon also encourages him to experiment more with food. =========== Prettyhurts Thanks dear for checking up on me. 6 Likes 7 Shares |
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