₦airaland Forum

Piggy bank no longer pays interest upfront?

emmasoft:
Don't go from frying pan to fire!

I opened gtbank fund manager account, i guess i’d just let it end there. Gtbank customer service is just a no no. I just like their quarterly repayments. But I don’t know how they would handle issues if i have one. Am not round to go to bank.

Thanks everyone for your comments.

Thank you so much. I'll keep doing what I do.

AMEN to your prayers.

Powerbandooo:
Dont give up on him
You will see the way his life will turn out to be,
You will be proud of him later on
Such people like are most times gifted in one aspect or the other,
I am not trying to console you or any shit, people like that, once like you discover what they can do best, they become a phenomenal

You are under pressure trying to conform to societal ways of life,

If I should start spewing words out, time will not be enough
Everything is not school, life itself is a school, will naturally teach him,
Keep from anything that will put him or you from societal pressure

At least he is useful in other aspect of life
Lastly pray for him
Everything no be school
School things are becoming archaic in our present World

Hi parents.

Please I need help, my 9 years old son is very slow at learning. Not to say too much:

He started schooling at 2 ( from nursery)
I spend time to teach him and when I noticed I wasn't patience with his speed I hired a home tutor.
Aside the home tutor I still personally teach
I am not an absentee mother at allllll. There is hardly a day I don't teach him 1 or two things.


But

My son never assimilate, I teach him 1 thing for 1 year buy na lie he will forget it.


Am sad, am unhappy I have done all humanly possible, he is lazy, reading is had for him, 2 times table is war. To add 2 to 2 is war, I pay home tutors with no results. This is wastage, atimes I stop and I begin again. I pay extra for lessons at school no results.

Am crying and tired, I have no one one to help, am all alone in this. Am in pain, I don't know how long this will go. I don't want him to end up with poor grades and can't move on with school.

Am so scared and I don't know how this will end. Am weak and full of pain concerning this boy.

I need tips, I have used pictures, audio, video, YouTube, everything. I don't know if this is spiritual, I have prayed. Done all I could do. He can't even spell 3 letter words, it's that baddddddd.

Atimes I ask myself how years passed by that he hasn't still improved but looking back, I haven't rested all the years.

Hi parents.

Please I need help, my 9 years old son is very slow at learning. Not to say too much:

He started schooling at 2 ( from nursery)
I spend time to teach him and when I noticed I wasn't patience with his speed I hired a home tutor.
Aside the home tutor I still personally teach
I am not an absentee mother at allllll. There is hardly a day I don't teach him 1 or two things.


But

My son never assimilate, I teach him 1 thing for 1 year buy na lie he will forget it.


Am sad, am unhappy I have done all humanly possible, he is lazy, reading is had for him, 2 times table is war. To add 2 to 2 is war, I pay home tutors with no results. This is wastage, atimes I stop and I begin again. I pay extra for lessons at school no results.

Am crying and tired, I have no one one to help, am all alone in this. Am in pain, I don't know how long this will go. I don't want him to end up with poor grades and can't move on with school.

Am so scared and I don't know how this will end. Am weak and full of pain concerning this boy.

I need tips, I have used pictures, audio, video, YouTube, everything. I don't know if this is spiritual, I have prayed. Done all I could do. He can't even spell 3 letter words, it's that baddddddddddddddddd.

Odunharry:
Please always ask for certificate of investment/Investment letter anytime you invest. Normally, your account officer is even suppose to send to you without you asking.

She did not. I have emailed her.

freeman67:
Are you sure it TB they did for you?

If yes, were you told it was successful?

If successful did you collect your proof/certificate of investment?

I am asking because if it TB they did for you and it was successful. The money should have been taken into custody since. It should not be reflecting in any of your balances again.

What should reflect is only the interest left there.

I don't understand the interest and capital equals total amount you wrote there. What should be paid to you is the Face value/value of investment at maturity as stipulated in your the terms of the contract/ certificate.

Meaning, if you subscribe for 100,000 TB for 365 days @ 20% and may 80,000 and the charges were deducted from your main account balance leaving let's say 19,000 as you interest in the account. At maturity, the sum of 100,000 is what will repaid to your account.


As for your interest growing more than expected, you really have to check and confirm if it's not some form of Fixed Deposit they did for you or something.

Thanks for your reply.

As for the certificate, am not in nigeria and she hasn't asked me to send anyone to pick it up.

Meanwhile, she told me it's done. I'll email her.

Thanks for your reply.

Hello guy.

I need help.

First time trying out tbill.

I did that 3 months ago, the money remain in my book balance but the interest is available in my available balance.

Meanwhile, interest and capital equals the total amount. Will my total amount be paid at the end if the tenure?

I also discovered I am earning more interest on the account, is it because all the money remains in the book balance?

I bought a bag of rice for 10,000 for my inlaws I can't forget.

They delivered it to them free of charge, I just paid and dropped their address for delivery. We were complaining then now, me I no dey complain again. I rather give thanks.

Back in 2012, I give my grandma 10,000, that was more than enough to buy a bag of rice. I give her 50k now, not enough to buy half bag of rice. Yet my dad complains I give her too much. Hmmmmmmm

alezzy13:
Sigh 😔 Once I saw your message I was willing to bet my dollar it was GT.

It's amazing - sadly so - how GT just dey fall hand.

Because of the exact scenario you painted, I stopped using them for TB. I just got tired of thier nonsense. Mind you this a bank I used for over 15yrs now, and they were certainly not like this.

I really don't know if it's thier current crop of account officers or they still reeling from effects of the last upgrade. 😔

Oh no, he asked which I finally used. Gtbank didn't mess up with me.

vanvickie:
Which bank do you use please?

gtbank

freeman67:
Like someone said above, you have done the right thing. Thank God you have 2 accounts, the initiative and swiftness to do that.

The problem actually is that some accounts officers need your money always to remain in your account for them to meet personal targets set for them by the bank. They also prefer that you should do a fixed/term deposit with them too instead of moving the money to TB. So when it comes to TB, they try to frustrate your efforts so that the money can remain there.

Thanks. But does fixed deposit provide more interest?

Seriously, I am just learning about all these things now, I usually just leave money in my account without investing it. That's crazy.

heavenisreal18:
I am experiencing this over three weeks now,the next thing account officer said was I should fix it They are intentionally frustrating people effort They should be reported to CBN

Open another account and move your funds. I am also changing my account officer who will put a hard one on him as I will be leaving a negative review for him. I hate negative energy from anyone who is supposed to provide me a service as they are they to provide a service and they will be paid at the end of the month.

I do my best to provide the best service ot my customers, so I hate to experience anything less.

What could have gone wrong?

So I have two accounts, I decided to do TB with one bank and I contacted my account officer, after back n forth with sending the instructions, he was confirming the receipt of my email all along, but when I finally sent an instruction to go ahead with the tb transactions, he said he never received my email. I checked my email metadata and it was confirmed he received and read the email. Why do you all think he doesn't want to help me do the tbill investment?

I have moved the funds from the account to another one and the account officer helped me the same day I showed interest, she sent the rate and i sent my instructions and it was done. Till now, I am wondering why the other bank guy denied seeing my email and never burdened.

Can someone hint me?

Youngzedd:
Which top commercial is good for TBill?


First Bank want me to visit the branch which I don't have the time.

I did with my bank, I am in Diapora.

all I did was email my account officer.

I just sent a written instruction and it was done the same day.

Your account officer will communicate the time for which you must send in your instructions, handwritten instructions via email.

My husband is making it difficult for me to train my children, we can't agree and he is not ready to do his part, he says daily it is my responsibility but he is frustrating that responsibility he said is solely mine. They disregard instructions, and are very hard to stay calm. teachers are complaining, we changed location and their new teachers are complaining already.

When I say no phones or tablets, he insists they go ahead with their gadgets, he'd say am disregarding his orders. Last month, I had to break one of the tablets as they have been on it for over 5 hours!!! and he keeps asking them to continue when I say stop. He frustrates my efforts trying to teach them simple things, he'd say am taking too much time. Hey, this he says every time, if he comes home and sees me with them trying to read or solve simple maths, he complains it's enough. He prefers they waste their time on phones or tablets. It is now so bad that if I don't hold USB cord my kids will not obey. This struggle has started since age 4 or since I can remember them trying to walk. Becuase it started with him speaking babbles or unknown language and when I say no, he is expected to speak well for them to earn from him, he'd argue. That escalated to my only son having delayed speech and my husband continued to babble to a 6 year old boy. Some family members rebuked him but he'd say who are they. I had to start praying against him as I see him as the problem before he stopped babbling.

I started employing teachers to teach them as I am always busy and don't meet up to help them often as I desired, but he opposed it vehemently. He argued like he was going to pay, I told him the expenses are on me but said it was waste of money and most times he'd hurry the teachers to go before their time was up.

Last night, I had informed the kids today would be a no-gadget day, and that they should read, they are on holiday here already and I bought books for them to read and scheduled an outdoor activity for them. My husband condemned the swimming activity and say it was a waste of money and that they should play at home or wait for when they can have it for free.

I am not where I want to be, I struggled a lot in my life and all I got was the basics, and I am thankful but I want them to have the extras, the more I couldn't get as a child but my husband is frustrating every effort. I do not ask for his help in all these, all I want is cooperation or stop instigating these little ones before it is too late to get them to obey simple instructions, get use to doing things right, or follow guidelines.

He even faults assignments, like how? He just believes after school children should play and play. I cant simply ask my children to follow rules, he wants us to live as we like and with no order.

I don't even know the place of the law in my case, am so tired of his way of life, I struggle to get things fix at home. I had to remind him several times, shout or do things all by myself most times when am tired. Oh, it's been a rough ride with this man.

One of my children is really laid back, he had speech delay, and of course affected him with reading and many things, you all can imagine my struggle alone. I need help, my life has been a struggle, and I don't want these kids to go through the same but he is not getting it.

I can't agree to his slow-motion life, no way.

I am frustrated. If you have passed through this as a woman, how are you managing it well? If you think he is complaining because of his money, no. All the expenses are on me, I don't trouble him for money at all, not even a share of it.

,,,,,

Kk

I opened a thread sometime ago about my husband's attitude.

I won't just go into details but all I need now is leave, leave him for good.

My plan is to totally leave the state we live now to a different state to start life all over with my kids. I work, I will make sure they have the best. I won't let my family know my whereabouts. Change my phone number and live a new life.

I do not want any one to link me up with him again. I hate him now. I have heard enough, enough of abuse. He's done more damage to me than good. His is proud and ungrateful.

He is owing me a lot of money but I can let go.

I want to teach him a hard lesson by leaving with my kids before he return from work on Monday.

My advice to young ones especially God fearing ones, don't marry a man who is just a casual Christian, who answers on paper 'Christianity' when asked which religion.

He never believed I can move forward, I struggled to raise my status by hard work n prayer, I went to a private uni, he even insulted my dad to my face that he waisted money on my for sending me to private uni, Haa, my ears twingled when he said it all because I was earning about 100k, he was earning way more than me and he'd never give me peace because he earns more. Named me all sorts of names. I saved little n resigned since there was no hope of earning more money where I worked.

When I asked to open a joint account his response was my income was meant for eating not saving. And ridiculously told me to hide my face for trying to measure him to my standard. That we don't earn the same amount and we can't jointly run an account. For days, he shamed me with that.

I boldly took a decision to resign and I almost end it all but I was putting things in place to get the best in life no matter what. Alas, God helped me and now, I'm doing well and my monthly income is daily getting more than his. I painfully went for a training and have decided to get an office and employ more hands because I can no longer handle tasks alone due to work load and he is killing the dream.

I know him, he wants to frustrate me, he knows the sky is not my limit again even, but I want to teach him a lesson that in his next life he will never talk any human being down.

He is getting worst daily by being abusive, I won't know peace if so stay with him. Now he wants to do what I do, so jealous and unsecured.

I live in a recluse due to my work and I have an abusive man, if not for my belief on God maybe I would have taken my life since.

I was abused as a child, I think the best for me now is live alone. Human beings are not worth it, I hate relationships and marriage now, like it's all a scam. I just want to be alone with my innocent kids.

Am just weak, it's going to be a shame, my friendd n family won't like my decision but I want to send a message to this man. He must learn to respect me, called my brain fish brain,? My own father waisted money on me? I will surely break grounds to send him a message.

Am just in pain, am soo so so sad. Once I leave him I will be a celibate for life. I will never allow any man to make me experience abuse again. Never!!!

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