₦airaland Forum

It's a good thing that you've noticed it early at this stage. Early intervention/treatment is key and yes, stammering is sometimes hereditary.

Get a speech therapist to work with him. If you are based in Lagos, there's one at illupeju.

As his father, research online on what you can do to help him. If you are patience and consistent, you will see remarkable results.

Have you seen the movie, "the king's speech"? You should watch it as it tells the story of a British King and his battle with stammering and how he overcame it with therapy.

soonest:
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

Bonds are fairly similar to tbills just that with bonds, the minimum term to invest is longer (I think minimum 2 years) and the interest rate is fixed for the entire duration. Interest is paid twice a year or at the expiration of the agreed term (depending on your choice).

It's best you compare the interest rate/yield on your investment for both tbills and government bonds and then decide which is best for you.

Doubledouble:
Hello mamas!
I need opinions and advise. My kids have wasted all the cereal I bought. Not even half of Gerber cereal did they eat...after buying so much! I was of the school of thought that it's whatever you teach/introduce to them they will take after all, what do they know?? So I bought plenty but they've shown me they are the ones in control not me!

With my tail in between my legs, I listened to my sis and tried pap- after all my mouth on never giving babies pap...smh. Anyways, they take pap like PROS. My 1st problem is the groundnut powder I mix the pap with. If there's a tiny seed of groundnut my girl will gag n throw up. I now decided to blend with a lil water into paste n refrigerate. Is this okay?? How long can it keep?? Refrigerator is on 90% of the time. Is there any other way to incorporate the groundnut with the pap grains??

The other thing is my boy- still not eating much solids. The first few mins he will open his mouth and eat but loses interest after 4-5 tiny filled spoons. He will shut the mouth like those soldiers guarding Aso Rock. Thing is if you smear on his lips or by mistake get the food into his mouth, he will lick n eat ooo, but to open the mouth of his free will, that is like world war 3. How do I get him to eat better?? Feeding time with him does my head in. His food is still mainly formula, he weaned himself from breast milk at 8months. His weight is fantastic and his paediatrician, thinks am worrying over nothing...but she's not the one buying formulas...

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.

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.

rofemiguwa:
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

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.

Favouredmom. How's waddling going? Apologies I'm just replying your post.

Personally, I do not wash anything before the first use.

Some of these baby clothes (irrespective of brand/price tag) ain't loyal. You wash some after the first wear and they either fade, shrink, lose shape or run colour. So even if they are going to turn out something else after washing, I have that personal satisfaction that it has been worn already by my baby. For every new outfit my son puts on, I take a picture .

Modath

How borry? Thanks for checking up on me. Your posts on politics are always a delight as always.

maureensylvia. Thanks Hun. Happy new month to you too.

Onegai:
This is something to definitely look into. Thanks.

Thanks for bringing up the interesting topic.

Shares should be the real MVP. Back then, it was the "go to" source of funds for Nigerian parents to pay for things such as private school fees, summer holidays, etc.

I remember a friend wondering how some "ordinary" looking families could afford the fees of private universities when they were first introduced. I told her that most of them were simply dumping their shares. Shares they bought many years ago.

I hope someday they return to the number one investment of choice. My biggest issue with the Nigerian stock market is that the shares of listed companies are over priced. I sometimes wonder how they come up with their valuation.

Who remembers the transcorp fiasco?? At the time the company did their share offering, the only "real" investment to their name was the Hilton hotel (which they acquired). Yet, they sold each share for over 40 naira and it was oversubscribed. They raked in so much money. I remember warning people close to me then to stay off transcorp. Today, I doubt if it's worth up to 2 naira per share. What happened to all their shareholders' funds Has anybody been held accountable?

hotmomma:
Helovesme, that y i always look forward to your comments. I think i need to bookmark this page. Pls don't run away again

Yes ma. I no go run Truth is that I have been busy. No more free time to debate ogi and cough syrup

Since we are talking finances, let me jump in

I find the money market investment fund managed by the investment company ARM, Nigeria very good. https://www.arminvestmentcenter.com/media/17923/mmf-faq_42.pdf

Their interest rate is almost as good as that of treasury bills, however, the major advantage is its flexibility.

Unlike tbills where you have to save or wait till when it's CBN's auction date, you can invest any amount of money at anytime into the fund. So for example, a day you have free 20k, you can just transfer it immediately into the fund and it accrues interest. There is also an online account which allows you to see all your transactions, etc. Another advantage is that your funds are accessible at anytime. So if there's a need for your funds urgently, the process to get your money is very straightforward.

Comtem2011 is right about taking up an insurance policy. Not only life insurance policy but also critical illness cover. Personally, I have one with a guaranteed payout of around 100m which is a very decent amount of money (if converted using the current exchange rate). I do pay a small monthly premium but it's still worth the potential payout. Why Nigerians shy from insurance, I do not understand.

Property is another smart one - no matter how small the land or house is. Buy, do all the required legal work and make sure it's well documented with the lands registry. Even if you do not live in it, rent it out.

Finally, if you are going to have a stash of money in an investment fund, a decent house, an insurance policy as well as several other investments, it's important to have a WILL drafted by a lawyer documenting your wishes on how the funds should be utilised. I have seen many cases where this hasn't been done and all the investments were mismanaged.

orirebaby:
Well done to all sabi mamas and those keeping the thread alive. Please for God sake dont jump and pass my question it may sound silly but am seriously worried. Help a ftm o.

My 5weeks old dd sweats alot even wen everywhere is cold or even wen i only wear her play suit especially on her arm and leg. Please is this normal? I av consulted dr google but nothing helpingy

In addition to what everyone has said, what body oil/lotion/skin butter do you use on her skin as that also might be responsible for the sweating. Try another oil/lotion/skin butter and see if it stops.

evamum:
Thanks mama, I have the fisher price cradle and swing, been putting her on it but she never fall asleep on it. In fact she doesn't stay upto 5 minute even with the swing, music and light on it.

How early did you start using it? We are 7weeks, is it too early?

I started when he was around 2 weeks old.

maleeks:
someone somewhere is practically unclean in his or. her dealings, the arisekola I. knew was far too rich to owe first bank, as a matter of fact he owned first bank, cuz he was as at then the largest shareholder of over 60 percent, in the mean time, I still find it difficult to believe, I do. not want to say they are trying to take an advantage simply because he was not educated and of course late

This has to be the most ignorant comment I have ever read on this section of nairaland!!

Clearly, you have no idea on how the "rich" finance their businesses.

[quote author=Doubledouble post=49639246[/quote]Lol @ wrigglers and shakers. Tell me about it.

I think size 4 should fit your daughter. The diaper has a "stretchy elastic band" so it should accommodate babies with bigger hips and bum.

evamum:
Good day mama,

Pls what is your view on pacifer? Can I give my Lo of 7weeks pacifer? I intend using it to put her to sleep mostly, as she doesn't fall to sleep unlesd she is on breast or being rock while standing.
I will be returning to work October 1st, I thought my mum might need it to comfort her when she is feed and cared for but still fussy.
Pls mamas what is your experience like? Is it too early to introduce pacifer?

Do you have a baby bouncer? If not, why not get one?

All you have to do is place your baby on the bouncer and rock her. Depending on the type of bouncer you buy, you can either rock her manually or set the bouncer to swing automatically. Some bouncers also come with the lullaby option.

The bouncer saves you or anyone carrying your baby all the time and it also helps your baby to be independent. As soon as she falls asleep on the bouncer, you can transfer her to her cot. You can also place your baby safely strapped on the bouncer while you carry on with your house chores, etc without having to worry about her rolling over, etc.

I used the bouncer till my son was about 6 months old and it was super helpful.

Hmmm.

For a startup company, whoever provides the largest share of the funding required, should own the larger percentage of shares in the company and should also be entitled to the largest share of the company's profits.

However, in such scenario, the partner that's actively involved in the day to day management of the business could include a "shares buy back" clause in the agreement so that in a case where the business begins to trade profitably, he can either buy out his partner entirely or buy out a portion of his shares.

Doubledouble:
Thanks so much for this, God bless you loads for a detailed response.
My problem with this now is how do I know which size to buy...presently on size 4 swaddlers. If I buy a size too small there is no tabs to adjust...if too big- it won't be snug...

How old is your baby and what's his weight? The size 4 baby dry pants is meant to fit babies weighing between 8kg to 15kg.

Mine is few days shy of 13 months and he's been using the baby dry pants size 4 since he was 7 months. There was no size 3 at the time but I love the diapers so much and I didn't care. The good thing was that it was snug and not saggy (even when soaked in urine), thanks to how pampers have uniquely designed the diaper. The fit is really good.

I will suggest you buy one pack of each (size 4 and 5) to start with and see which fits best. Do note that the size 5 has less diapers in the pack compared to size 4. I currently have a size 5 pack which is still unused as I tried it some few weeks ago and felt it was a still too big for my son. I think he should be able to comfortably wear the size 4 for another 2 months before we move to size 5.

I can't rave enough about this pampers baby dry pants. I went on long haul flights without a single diaper change throughout the duration of the flight until when we landed and baby was very comfortable and most importantly no nappy rash afterwards.

On another occasion, after forgetting to change the diaper before boarding, I changed the nappy right there whilst seated on the plane without having to go to the toilet as all that's required with this diaper is to tear it on the sides to remove and also wear the new one back on like normal pants. Easy peasy!

Doubledouble:
Hello mamas and papas!

Pls I need your kind opinion...I use pampers swaddlers for my lil ones...it seems getting swaddlers in the UK is expensive than it goes for in the States. I am now thinking of switching to another type of pampers. I have read about Pampers Cruisers, Baby dry, et al. Pls, which is the best in the cruisers, baby dry...?? Kids are 1yr plus now.

Thanks in anticipation of your opinions and responses....

.

I use pampers baby dry PANTS and honestly, I give this brand of diapers 5 stars.

I discovered the baby dry PANTS range when my son was about 7 months old and I have stuck with it since then. It comes in sizes 4-6 but few days ago, I came across a size 3.

The review in the link below I think sums up all the good points about this range of diapers.

http://my-little-l..co.uk/2016/01/review-pampers-baby-dry-pants.html?m=1

I have also attached several pictures as its sometimes easy to have it mixed up with other diapers in the pampers baby dry range.

I wish pampers can do something about its other diapers especially the new born range. However, with this pampers baby dry PANTS, they've gotten it right !!

They are slightly more expensive than other diapers but it does keep baby dry for long. The 12 hours baby dry claim is true - especially over night. Another tip is to look out for when they are on offer (buy one get one free or multibuy offers), which is what I do and just buy many.

Patience should just forfeit this money and walk away.

All the different explanation she's coming up with doesn't hold water and she's only plunging her husband, Jonathan into the mud with her.

You win some and lose some. This is one battle she has lost.

I'm kinda pleased that foreign banks are becoming very careful about Nigerian PEPs and very cautious about funds originating from Nigeria. In previous years, this $15m would have been stashed away in an offshore account and not in a Nigerian Bank.

Blessedmum:
Hello mummies,

My name is baby Jay and am here to introduce myself formally. This is to appreciate you all for being there for my mummy. I love you all.
I will also like to use myself as a point of contact to all Atc mums, d same God who made me a blessing to my family will bless ur household too.

Cc

Awww. Your son is super cute. Congrats again dear God bless the both of you. Amen.

tyconcepts:
Pretty mamas good morning.... How una dey??

Abeg make una help me suggest small. My President has this cough that scares me, Nurse recommended Neofylin syrup + Erythromycin syrup yet its still persisting. Maybe am expecting sharp sharp result.... Can you suggest an effective syrup plzzz??


cc : helovesme , soonest, zaynie(I would have tried that your oil & st louis sugar solution but the sugar no dey my area), liftedhands, alphahandmaiden e.t.c

How old is your baby ?

You need to have a doctor not a nurse listen to his breathing using a stethoscope. He might actually need antibiotics.

Usually if a cough persists for more than 7-10 days or if it sounds very chesty, a mild course of antibiotics is recommended ahd it's proven to work.

AZeD1:
We don't have banks in Nigeria, they are trading houses. That's why the banks grew big but the real sector did not.

We as a country have a fundamentally bad economy and if we don't use this trying times to correct the structural defect, then we will never get it right.

I agree @ bolded.

This is the time to right all the wrongs that have been going on for decades.

What yeye international profile does he have

Nigeria banking sector will continue to struggle until they learn to do banking the right way and shift their focus from retail banking.

There's more to banking than just chasing individuals for deposits up and down or chasing businesses for salary accounts.

Now that TSA has been implemented (which was a shock to the sector), things should stabilise with banks looking at other ways they can make profit such as granting loans to genuine entrepreneurs and financing projects in sectors such as agriculture and manufacturing. This is why CBN needs to reduce interest rates (and ensure the rate cut is passed on by the banks) as this will reduce the loan burden on companies and encourage genuine businesses to seek funding from banks.

Regarding the forex storm - this too shall pass. The banks were also part of the problem as they've benefitted from the parallel rates system.

This is the group's consolidated account (the parent company and all its trading subsidiaries in different jurisdictions).

Can we please see Jumia Nigeria's annual account and see how they fared in the last financial year?

They've got some major investors though - MTN, Millicom, AXA, Orange Telecom, Tigo and Goldman Sachs. So with time, they should break even and begin to trade profitably.

la1:
correction @ Bolded ; JUMIA has never made a profit since inception in Nigeria, plus the article reflects a Pan African report of the parent company's financial position

Thank you !

People that do not understand the jumia story are the ones shouting Buhari.

Jumia's problem is multifold. I will give you a classic example of a problem facing the company.

What do you do in cases where your Nigerian employees are constantly stealing from you?

A vehicle with a large number of brand new teckno phones goes missing - thanks to its driver.

iPhone 6s and other pricey items constantly going missing.

Their employees are always up to one trick or another.

A customer has a change in mind and returns a brand new 65 inches Samsung tv he recently purchased. A Jumia employee destroys the package intentionally, so that the tv can be sold at the discounted rate to a member of staff/publicly and then that member of staff specifically targets the tv for purchase.

Do note that the company bears the cost/financial burden of all these missing/stolen/damaged items.

What about their high rate of returns and customer dissatisfaction?

What about their relationship with their suppliers?

I can go on and on. Nigeria is a TOUGH place to do business and the good thing is that Jumia is backed by foreign investors but they need to tweak their current business model and change how they operate.

The company is barely c6 years in the Nigerian market, so by now, they should be close to breaking even/making a decent profit for its investors.

Not much employment opportunities exist in a place like makurdi. Why not relocate to plateau state, FCT or Lagos?

If you have a relative in any of these states, you can ask them to accomodate while you move around looking for a job.

Nihilist

You are crazy. Aswear

2odd:
The idiots that are clamoring for it to b sold ,have only two things in mind
1. They are the ones to buy it
2. Share the money again after buying it.

Or they sell, wait for the value to appreciate and then sell again. Just as they've done with NITEL. It's been one buyer or another.

wayodude:
In England Public schools are held in higher regard than private schools.

Eton and Harrow are certainly not private schools lol

Huh!!

What are you saying?

Eton and Harrow are private schools.

There will always be top rated public schools/academys/grammar schools but you cannot fault the quality education from the likes of Eton.

/emiomoadeoye

You are right about everything you've posted and also about the added benefits of networking. It's not even the benefits for the parents but for the kids themselves.

Businessideas:
Where did you get your data from? I am telling you that you don't have sufficient data to conclude as such. [b]I have read about and followed the life of a few people who attended such schools and I noticed that they have more success rates than the people who attends common sense schools. From Ojukwu(Epsom College) to Saraki to Femi Fanikayode(Harrow) to Obi Asika(Eton),name them, they have more success rates more.[/b]These are the schools CIS is competing with.
How many AIS,Saint Savior, BIS alumnus will you find among those graduates who applied for the last immigration exercise, how many of them do you see on ipob or militant lists? Yet these schools have been existing for years. I even doubt if you have any AIS or CIS alumnus On Nairaland, they will probably be following Linda Ikeji blog

You are spot on.

You can always tell the difference in kids that are privately educated.

Politics and tribal sentiments aside - just listen to ojukwu and fani kayode when they speak.

Check out the educational background of those at the helm of affairs at hedge funds, FTSE 100 companies, etc. Most of them had top notch education.

Quality education doesn't come cheap.