₦airaland Forum

Hmmmm

Hmmmmm

Otunbalai:
can you name some good company that does mutual fund...?

Check page 800.

bikerboy1:
Hello MMF gurus,

I have some MMF investment with FBQ @ the rate of 12.95.
I want to know if any change in rate, (say 12.00 or 13.5) will affect the current rate.
In other words, is it fixed like TBill.

Secondly, can I top up the MMF or do I have to open a new MMF account if I intend to add more money.

Thank you guys

The rate is not fixed and you can top up your MMF investment anytime. You don't need to open a new account.

seun289:
Same 20k monthly or a lil bit more if u used same 2 million for a yr tb @12%

True.
So he had several legit options.

aremso:
Really! with which investment company/bank and at what %?

Stanbic ibtc money market fund, FBN money market fund ( FBN quest) and United capital money market fund. Check the thread Mutual fund for more details.

Jobac:
Thanks sir. It is definitely not savings; my Bank gave me 6k interest on 2 million naira in a month, treasury bills would have given more than that. I am taking it as investment without stress.

Mutual fund (money market fund), would have given you about 20k in a month.

eddyakinrinde:
The analysis is on point. But pls need ur advice here. I used to have 2 different tbills running around Dec last year. One is 5.1m and the other was 1.2m. When the rates was dropping then I thought I needed to diversify my investment so moved the one of 1.2m to mmf and the other one was put into another bills at 14% then and will mature in Dec. The one in mmf is with united capital mmf. By Gods grace I have bn able to add (top up) more funds to it since January and its now 3.1m still in the mmf. On the average the daily interest since past 2 to 3 months have bn 13% which is higher than the current annual rate for tbills (12.5).
So based on your advice, is it wise to book 3m tbills now and use the upfront to continue the mmf considering the current rates mentioned or just leave the funds like that in the mmf.
Pls everyone's advice is appreciated.

Your TB of 12,5% gives a true yield of about 14.3%.
I think you should move your money to TB and leave your emergency fund with MMF.

Asleykene:
Can I get the app on playstore

Yes.

Asleykene:
Good morning all

Went to stanbic bank this morning to run MMF, I was asked to open an account with them..........is it necessary??

Still a newbie

You don't need to open an account with the bank but you will need to have an account with their investment arm.
Alternatively use their app, download their forms, fill, scan and send back to them.
I don't have an account with their bank.

Nnamz:
ĢTb lost all bindings

FBN lost the 182 days bid.

Hello house.
It seems like MMF rates are better than TB rates for 182 days.

Hmmmmm.

Nice

OgogoroFreak:
7% for 364 days

Wicked.

mank1234:
Yes, the inverter will carry. The question should be, can my battery sustain such load for that duration?

I have 8 (300watys) solar panels and 4 ( 200amp) quanta batteries.
How long will a 1.5Hp air conditioner last if my batteries are fully charged?

Please will my 5.5kva solar inverter carry my 1.5Hp air conditioner from 8 pm, to 6am?

bo1w0nda:
The doctor(fertility doctor) placed me on tamoxifen...... Results of my hormonal profile are as follow :
Testosterone (Total)= 12.5nmol/L
S-Follitropin(FSH) = 6.9U/L
S-Lutropin(LH) = 10.2U/L
S-Prolactin = 16.6ng/mL

The reference range for total serum testosterone concentration in adult males differs between laboratories. An approximate range is 8 - 35 nmol/L.
Normal FSH levels will differ, Male: Before puberty - 0 to 5.0 IU/L.. Adult - 1.5 to 12.4 IU/L.
For males, the normal range LH is 1.24–7.8 IU/L.
The normal range for prolactin in your blood are: Males: 2 to 18ng/mL.
So your testesterone is low normal, your FSH and prolactin are normal, but your LH is elevated.
In men, high levels of LH in the blood are a sign of a problem with the testicles.
Here is my recommendation to improve your seminal fluid analysis (SFA):
1) vit c tablets, 1gram daily.
2) zinc tablet, 200mg daily.
3) Welman conception tablet, 1 daily.
4) vit D + Calcium tablet, 1 daily.
5) No alcohol or cigarettes. Eat lots of fruit, nuts and green vegetables. Watch your weight, blood sugar and blood pressure.

All for 3 months then repeat your SFA and compare it with what it used to be.

bo1w0nda:
Good day doc,I have been diagnosed with gynecomastia for the last two years, and also been having sperm issues(motility and morphology issues). A doctor prescribed tamoxifen which I have been taking for the last two months. Will this improve my sperm profile characteristics? If not what would you advice,what could be the underlying issues and possible treatment?

Tamoxifen is an anti-estrogen therapy commonly used in breast cancer treatment; recent studies have suggested that it can also be used as an alternative to surgery to treat gynecomastia in men.

So who placed You on Tamoxifen and why?
Have you done a hormone profile?

Shimia:
My doctor dismissed my claims and told me to lose weight by eating less. He's the one that gave me birth control pills. I also feel I need more than that for Pcos treatment.
I took Prednisolone last for treatment of Bell's Palsy about nine years ago.
I have not done any Cortisol test. I just had this hunch. Also, my BP is mostly stable 120/80 anytime I check but I hardly check my sugar levels.
After reading the article on Cushing, I felt it ticked most of issues I have had,now and in the past.
I have always been bigger for my age at each point and now I weigh over 200 pounds.
I know e not just food. Sometimes when I fast, I get puffier and rounder as if I retained water. So I even avoid fasting.

Do you suggest any General Hospital in particular?How can I reach you beyond this platform?

Where do you live? So that I can recommend a government hospital with an endocrinologist for you.

Shimia:
Thanks for your reply doc.
My periods are no more regular and I am TTC and I also have hair and acne on my chin. I was diagnosed with Pcos and only giving birth control pills.
I have ringing in my ears too
The Bell Palsy was nine years ago though the Prednisolone helped me. You wouldn't know I had Bell Palsy. Only indication is that when I eat sometimes, tears flow involuntarily from my right eye.

I would advice you see your doctor and arrange to be seen by an endocrinologist . Alternatively, see an endocrinologist your self preferably in a teaching hospital.
1) The diagnosis of Cushing's needs to be confirmed.
2) Other causes of Cushing, need to be excluded.
3) TTC has physical, emotional and endocrine components.
4) The PCOS need to be addressed beyond the birth control pills.
5) You need to be co- managed by a gynaecologist and an endocrinologist.
6) When was the last time you took Prednisolone? What's you Serum cortisol and plasma ACTH levels? What's your blood sugar level, and your blood pressure?

Shimia:
Hi Doc,

Thanks for this thread. I have had Bell's Palsy in the past and I had to use Prednisolone. Then I started gaining weight and recently put on 16kg within a year. I stumbled on an article about Cushing syndrome and disease. The symptoms are similar to some challenges I have like rapid weight gain, moon face, buffalo hump. Please what do I do next?

How long have you been on Prednisolone and what dose are you on?
What else are you taking for the Bell's Palsy?

mcTrinity:
O/P means Output...

so, it means that your output load (load on the inverter during inverting) is 7.8% of the inverter capacity.

Thanks.
Please is there a maximum load or safe load I should not go beyond?
Sorry for all the questions. Just want to be sure of what I am doing.

Please,
When my inverter shows o/p load = 07.8%,
What does this mean?

mctfopt:
If we assume a 6 hour of useful sunshine in location we'd have for each 300w panel the following

300w x 6hours = 1800wh or 1.8kwh.

For the 8 PVs we'd get 1.8kwh x 8 = 14.4kwh/day

But you know it's impossible to have the 300w production constantly which is gotten under standard test conditions not with the fluctuating sun, non standard temperature, problem with tilt angle, shadows, sun's angle of hit to the PV, age of PV, etc. So if you go with like 40% of that you may probably get something like 5.76Kwh daily more or less.

Experts are welcomed to weigh in

Thanks.
Any idea on how I can increase it to 8 kwh. That's my average daily phcn consumption.

Hmmmmm.

Hmmmmm.

How many kilowatt-hour can I get a day from,
4 batteries (200 amps. each).
8 solar panels (300 Watts. each)
5.5 kva inverter with 48volts.

Thank you.

Emedu:
Though with FBN MMF, I did everything online. Scanned all necessary documents to them.

I did the same thing too with stanbic.
I have never paid any of their bank a visit and there is no restrictions on my account.

mcTrinity:
Hood day too sir... �

battery voltage, 39.9 Hz...

Battery voltage is measured in Volts (V).
So check and confirm again.

if your inverter has a display, check for the reading that has "V" . if it's a 48V system, you'll see something within the range of 42-57V

NB: Mains voltage and inverter output voltage also are measured in Volts... but at 150-230V range

This is the display at night.

Hood day all.
I want to know how to calculate the amount of wattage or energy left in my battery from the inverter especially at night when the charge controller is off.
I see things like battery voltage is 39.9 Hz on the inverter and I don't understand.
Thanks.

Hmmmmm.