GAZZUZZ:


I see nothing wrong here.

Well, there may be nothing wrong if one was aware of no full contributions, no full payment at the time of taking up the policies. That is why I want to create awareness for all before starting such journey with the company. But I'm not sure that is how all other Nigerian Insurance companies hugely penalize their clients.

I never knew having policies with Mutual Benefits is a crime if I have to be heavily charged for both premature termination and non completion of payments on a matured policy.
I had a life investment of 5 years scheduled to end on October 1, 2019 but only paid for 20 months and abandoned midway due to some reasons. I paid premium of 165k out of 600k and now MUTUAL will pay me back ONLY N137,469 leaving me with charges of N27,530
I took up another 5 years investment along the line and paid up 41 months out of 45 months. I then decided to terminate due to poor service. I have paid up 820k but will now ONLY get N775,758 to part with N44,241.
In all, out of my combined premium payments of 985k, I will part with 72k as charges on my money!
After my engagement with them on the charges, I was told that a policy is said to be matured when expected total contribution has been fully paid and the duration fully spent. This is the ONLY condition where no charges is applied on your policy.
Therefore, should any unforeseen circumstance come up and one is unable to pay up, MUTUAL BENEFIT will not pay.
This is not only unfair, but also grossly discouraging. Their staff will never explain this when trying to get clients.
Has anyone had any similar unpleasant experience with this unfriendly company and similar insurance companies for Nigerians to learn from so as not to be victims again like me.

Most of them are scam. They will never disclose all the terms to you especially for medium/long term policies. When it comes to claiming your payment, that is when their true status will be shown. MUTUAL BENEFITS is commonly know for this. I regret ever keeping my money with that crooked company

You have really tried and gone far with the lady with maturity. I want to make the following inputs if you intend settling with the lady.
Seat the lady down and reason together on your present issues - you need to really pour out your mind to her.If you don't address this out now, it may become more complex to sort out later.
You need to have multiple investments personally, in money market, landed properties and others that would be regularly returning some monies to your account.
Try and establish her as much as your finance and ability could go so you won't be continually bothered about her finances. However, you cannot continue to be the survival means of her mother too - you need to really define this - you man consider regular token or petty business for her.
Then, please try and get less engrossed with other people's issues. Make a budget/have in mind how much you can monthly assist people with and be consistent with it. Plz note that U cannot satisfy everybody.
Plz don't heavily invest in any lady before you marry her, if not, you may later have reasons to leave her or the other way round.

Why do some people always dislike peace. There are several schools around that support and will further deepen your children in their religious beliefs. But no way, they must go and proof rubbish. So what legacy are they passing on to those children.

But Germany are really going to be difficult for us

But Germany are really going to be very difficult!

Investment in MTN shares looks good and juicy. Do we have investment gurus here that can help us with further realistic prospects of the company aside the normal good and ceremonial coatings of the parties to the offer.
FTC oooo since

FTC, and some people will come and crucify pastors now that they are living on members' tithes and offerings. So what of the govt that have dumped their primary responsibilities to the citizens. God bless you RCCG and other churches on this same course.

Biglittlelois:


I disagree, it is every parents dream for their kids to outlive them and inherit their properties, that is why most women use their kids as next of kin.

So why is that men too, even with the dream and wish that their children outlive them, still use their wives? To me, men freely trust their wives with high level of understanding, despite having other ladies, while women ask too many questions and still don't trust their husbands

But why will one need to take an oath to comment on Islamic threads but all are allowed to make all manner of comments on Christian threads?

WIZGUY69:
One of the best initiative ever.
It will be interesting to know that some churches makes money than some industries

Because of the judicious utilization of the money they make weekly/monthly

ZarahBuhari:

I expected this thread to be in the Islamic section of this forum

So as to restrict some members from commenting and expressing themselves about this callous insane act?

NYSC confirmed she applied for exemption but never confirmed the genuineness of the certificate in her possession. How long does that take? They want to go into inquiry again?

Well, the forgery case is yet to be established. However, how long will it take NYSC to concretely respond to such inquiry in this age? Is this the same process every similar enquiries go through?

ITbomb:
Sometimes this freeze guy dey talk sense

And what about most times?

APC has no focus, vision nor direction. They were elected for significant improvements but here they are, always engaging in blame game and senseless comparisms. Human lives for that matter?

This government and blame game are like 5 and 6 always not accepting responsibilities.

see what aerial ball caused us again?

Instead of docile Mikel, he removed active Iwobi

Our guys are not good in n aerial balls and it caused us the goal. Mikel is not giving enough support upfront.

Obviously, Conte has lost that team. The players are practically against him and they want him out. It was a lackluster performance and no passion on the pitch - all except 1/2 were committed

They had forgotten so soon how this same social media significantly assisted them in coming on board. Are they afraid of being caught and unseated through the same medium? I strongly agree with the senator on this.

LaBikerFarms:

How to Know When to Stop Feeding Your Catfishes:

Knowing when to stop feeding is something the inexperienced catfish farmer has to deal with; it took me months to know when my catfishes are well-fed, and I only truly mastered this after around a year.
Knowing when your catfishes are okay becomes a bit tricky once you switch to spot feeding, but you don’t have much to worry about.
If using floating feed, try to avoid having excess feed on the surface of the water; carefully observe your fishes to see what will satiate them.
If floating feed must remain on the water, it should be something that the fishes can finish within 5 minutes of you stopping their feeding; anything more is potentially a waste.

For sinking feed, carefully observe the response of your fishes; they will eat excitedly while their reaction reduces as they start to get satiated, but it’s safe to stop if you can barely see them pop their heads out of the water to eat. If you stocked 1,000 fishes into a pond and can only see 5 – 10 fishes eating after awhile, it is safe to stop; with sinking feed, anything more could be a waste.


Conclusion:

I tried to include everything I believe you need to know about feeding, that can help you grow your catfishes from fingerlings stage to several kgs.
Just as I said earlier, this piece is a compilation I made from the experience of a successful catfish farmer in Nigeria as published on his blog.
When you must have successful raised your fished to the desired weight, the next step is marketing the fish. I am currently working on an article or compilation to educate you on the best strategies to market the produces from your fish farm in Nigeria.
Catfish farming in Nigeria is a very profitable agro-business if done properly. My advice is that before you venture into the business, take out time to learn all you need to know about the industry before starting.

I wish you the best.
.
.
CONCLUDED....
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What a detailed and sacrificed write up for the benefits of several newbies to study, analyse and query for clarity/details. God bless you richly

OmoOshodi:
Thunder wey go fire the MOD for banning me just because I want to proffer solution to peeps problem no go wear pant....... I hate being stampeded....


Where is the FarmTech or what ever they called themselves

But what is the crime in assisting others and get banned! This platform has helped so many in a lot of ways - only those whose businesses have been salvaged via concrete advice on this forum can attest to this as I'm a living testament of this. Omooshodi has been very active and helpful of late here. Could this be a witch hunt or what? Please never relent. God bless you and all good minded people on this forum.

Unimaginable123:
What the hell. Just 120 cut off for university? Nigeria is doomed. The level of education has dropped badly. in our time, JAMB regular cutoff for university was 200. And even with 249 no university will offer u admission to study medicine. Cut off 250.
This is so sad

Haba, why not read everything instead of inconclusive reading and wrong deduction. Its stated that all schools are at liberty to raise it to any level. Was JAMB really regulating admissions like this during your time nor was any minimum score set by JAMB?

The NIMC slip does not have date of birth on it like every other valid means of identification and there is an N.B clause stated on the slip too. The body should rather work on speeding up the release of the permanent cards and retrieve the temporary slips instead is seeking acceptability of its slips. Only the regulatory bodies can expressly advice banks on acceptable valid ID cards - and NIMC is not one of them.
Paragraph 3 of the letter issued by CBN on this stated that the NIN should be confirmed before initiating relationship. Is there any platform on ground for banks to confirn the authenticity of NIN numbers before starting relationship with customers?

haywire1:
For those who have interest in learning hatching, there is a training which will hold in Ikorodu, Lagos by a good fish farmer with a large farm and i am also a participant. I'm just trying to inform others willing to learn.You can drop your phone number or email me for more information... Let's learn together.



#

Some are interested solely in hatchery, some in grown outs only while some want to be schooled on the two. Will the sessions be differently or simultaneously taken? My number is 08037499389.

hardywaltz:
Maybe the parents where still nacking when the Mother was heavily pregnant and sperm strayed into the child's v and got her pregnant.

Haba. How on earth could this be possible! I duff cap for you oo

ademola1333:

Are you sure he treated the pond well?
You may try this:
Get floating feed of about 2kg, floxinor, palm oil and salt. Pour the feed in a bowl. Using the lid of the floxinor bottle, measure 7 lids and mix thoroughly with the feed using your hands. Add small quantity of palm oil and mix thoroughly too. Floxinor is bitter, so starve them so that they will be forced to eat the feed. Give them the feed, at first throw they will rush it well. Sprinkle salt (500g will do) on them so that it touches their body. After sprinkling the salt, throw the remaining feed mixed with floxinor and palm oil.
Note: If you are going to try this, starve them for about 12hrs so that all will be forced to eat the feed. And observe them for some hours or a day before you continue with the feed you are giving them.
Moreover why would you by local feed whose formula you don't know?!

Thank you so much for the prompt workable advice - it really worked and there is no casualty again. God bless you.