Johnholmes:
Bros u are just destroying d normal Flora in ur gastrointestinal tract .
That's why ure still having diarrhoea despite taking a cocktail of antibiotics.
U may be having pseudomembranous colitis due to abuse of antibiotics.
Now the treatment is :
-1 go to a big well established pharmacy

-2.Buy vancomycin and take 1 tab 4 times daily for 10 days to kill d bacteria ( clostridium difficult has most likely taken over ur gut.

-3.ask for a good gut probiotic and take it as prescribed on the leaflet to grow back ur normal bacterial flora.

I hope this helps...

frowland:


The highest you can sell each of them is 20k or even less.
I have come to realize that TVs are just screens and nothing more.
The moment the screen have problems, cost of fixing them; you'd rather opt for a new one.

My 2016 55'LG had similar screen problem and I am told to bring 250k at Faunna Apapa. What is then the cost of the latest LG?

19CannyMum:


Some info here might be helpful

19CannyMum:


As per bedbugs, in my opinion best solution is not to buy couch or mattress from marketplace. Either get new, or from an established agency/thrift store (they usually have bedbug prevention procedures).

My policy is if it's softish/upholstered and can't fit into a washing machine, I'm not acquiring it from a random stranger.

bLacKGoLd3:
As the Naira loses value before our eyes, just thought to share ways in which new migrants can salvage as much as is possible. I believe you know this already, but my advise is to keep it simple - stick to USD because it's easily sourced/universal and you can carry more of your exchanged Naira.

So here are some go-to sources for USD/NGN or CAD/NGN conversion;

a) PTA from Banks - the limit on this is 4,000USD per person and per trip. One cavaet though; if you buy a one-way ticket to Canada like most of us do, most banks will not sell PTA to you because that can no longer be termed as traveling, but emigration. To be honest, sometimes, the difference between a one-way and return ticket may not be significant enough to forego that easily accessible USD.

b) MMIA - this is about the only place I know you can easily find CAD to buy and at surprisingly reasonable rates too. The only risk with last minute purchases, such as this, is that you have to be pretty organized and arrive the airport super early, else you'd most likely miss your flight.

c) Western Union/Money Gram - sweetest USD rates ever! However, a lot of bank branches use this slot to make side money, so you'll be lucky to find a bank that would be willing to perform this transaction. Another restriction is that a customer is only allowed to send one WU/MG transaction in a quarter and not sure what the limit is now, but used to be around 900USD (don't recall anymore). So you'll need plenty family and friends with accounts in that bank if you have a large stash to move.

d) PayPal - the rates are great too, but I would never advise anyone to try this more than once or twice, at most. You know what, just steer clear! If you get flagged by their systems, your account will be suspended for 180 days after which PayPal will wipe your account CLEAN. I am not joking here - all your money will be taken as charges for policy violations.

e) Nigerian Community/Groups - honestly, this should be a last-ditch effort and one I don't typically advise for large transactions. Just make sure you do your checks to ensure you're not buying USD or CAD that was illegally sourced or obtained. AML (Anti-money Laundering) flags are not one to be joked with in Canada.

I can hear someone at the back saying Bitcoin (cryptocurrency)...make I laugh small . Just knowing how volatile that market is, one might arrive YYZ only to realize that they're left with half the value of their initial sum. Except you're a die-hard masochist or you know how to straddle, you may have better memories watching your money light up a fireplace or treating your loved ones and family to a lavish party (2020 has been a year, mbok!)


Lastly, let's talk about pensions. Why would you not make plans to withdraw your hard-earned 25% pension and keep in USD or CAD? Don't you have any respect for your sweat or you just enjoy watching it being devalued? I mean, just last year at about this time, you could still get CAD for N280 and USD for N380, but today you all can see what the rates are. Please please please, be wise!

bLacKGoLd3:
1. Money
Don't stress yourself, just bring USD. I repeat, don't bother yourself looking for CAD, because your USD will happily be converted at the bank for CAD. The rates would be mostly equivalent to a CAD/NGN conversion or even slightly better.

2. Running shoes (a.k.a trainers, in naija parlance)
You will appreciate the utility of these shoes in Canada because they can be worn all year round. Don't waste your luggage space bringing all those fancy UK shoes we wear back home. You will not have the opportunity to rock them. If you're like me, I know you will not hear word, but you can come back to this post and laugh at yourself in the future. And, oh, nobody will buy your UK-styled shoes on Kijiji - Canadians are not fashionable people. A word they say is enough for the wise!

3. Timberland boots (winter gear)
These boots with 400g of insulation will save you from losing your toes to frostbite and though it looks somewhat fancy (wheat-colored or butters, in naija parlance), it is surprisingly low maintenance boots. Yes, we wore them for fashion back in the 90's, so if you don't mind the weight or you've lived in NY for too long, you sure can wear them all year round.

4. Ori (a.k.a shea butter)
Wipe that smirk off your face because this will save you unnecessary appointments with dermatologists when winter comes calling. See, if you're coming from Naija, just buy a good portion because all that your fancy lotion or cream will not find expression before Canada's merciless winter.

5. Jeans
You can see I mentioned Jeans, not all that plenty and somewhat needless number of clothes we accumulate while living in Naija. Again, this is all you will need in and out of every season in Canada. Don't waste your luggage space bringing all that your fancifully sewn natives and UK-styled clothes - Canada/Canadians don't care and neither does the weather! We don't attend weddings every Saturday here like is the norm in Naija, so those clothes may end up with moldy odor from sitting in your suitcase all year long. I know you will sha not listen!


I typically never advise people to invest in winter gears from Naija, but here's a small guide to help you understand what to look for if you plan to get something temporary from the popular Yaba market;

a. Synthetic Insulation - a jacket with 200g insulation is going to be thicker and warmer than a comparable jacket with 100g insulation. As a rule of thumb, 50-100g jackets are great for spring or fall while 100-200g jackets are ideal for more frigid conditions. This also applies to gloves and boots too.

b. Down Insulation - the 'fill power' is an indicator of the quality of down; the higher the number, the more volume a given weight of down will occupy. 800-900 fill down is considered premium insulation with that desirable cloud-like feel, while down in the 500-600 range will require more down (making them feel heavier and bulkier) to achieve the same level of warmth. You will mostly find this quality in the Canada Goose line or in the upper range of The NorthFace line.


All the very best!

NaijaCanadian28:


Aside foodstuff, winter jacket(from yaba), sweaters, aboniki, if you are a lady and you like braids, you can come with few attachments,crotchets etc.. pls bring your fine clothes, don’t dash them out. Bring your fine shoes too. I’m not sure if you will find winter boots in Yaba but you can get affordable ones in Walmart when you get here. For the foodstuff, take note of the ones you can’t travel with so you won’t waste money. The winter jacket you will get in Yaba might not be sufficient when you get here , if you are on a tight budget, you can get winter jacket from Walmart and with time, you can get better ones. I’m not sure of your gender so I don’t know the stores to recommend.All the best, May the land favour you.

Iqmotb:
Good morning Mamas.
Pls I'm team December and a FTM. Haven't started shopping at all and I don't even know what to buy. Pls mamas help me with some check list. I need to start buying asap..

Like aw much can it cost me? Just a rough calculation.
Thank you mamas in d house. Awaiting your response pls

Iyamefa:


Hi mama, I used epidural for my first kid. It was unplanned as I had written out my birth plan to include only laughing gas as labour aid, printed it out and instructed my DH to give it to the nurse assigned to me when we arrive labour assessment unit.
When the real labour began, they had Anesthesiologists on standby but I was fixated on the Nitrous oxide, the nurses and doctors were teaching me how to inhale in for pain but it was not working for me. They advised me to get Epidural and I was in so much pain to refuse. I was in labour for 3 days and took epidural on the second.

I’ll start with the Pros:
- Yes it takes your pain away. You’ll only see your pain level rising on the machine as your contractions come but you won’t feel it.

- if you’re having a not so fast labour, you’ll be able to sleep through it if you’re tired.

Cons:
- the experience of the Anesthesiologist matters a lot. It’s a delicate process that if they make a slight mistake, it could lead to life long problems of back pain and spine issues.

- the needle. Let me tell you about HOW LONG that epidural needle is. Regardless of how intense your contractions are, you will have to SIT STILL while they inject it into your back.

- It sometimes for some reason doesn’t work well in the systems of some women. The pain goes away then they start having one sided labour. I had this experience for some hours. Was having contractions on my right side only so the nurse helped me overcome the pain by upping the dose and helping me lie properly.

- it will numb your body and if you need to be active to help progress labour, you won’t be able to once you get the epidural. You’ll basically be confined to the bed

- that numbness means once it time to push, you might find it hard to push since you won’t feel it.

This is my opinion. Mamas did I leave anything out?

Enyinne:
Lots of used household electrical to sell .
Used Panasonic Ac split unit 1.5 horsepower 40k
Water dispenser 25k
Fridge Panasonic 300liter standing 50k
Generator elepaq (coil change )30k
Single chairs 20k each
UsedMicrowave 15k
All are working and are in use , but moving into a new house so buying brand new for furnishing.
Contact zero eight zero 33eight nine 3

Mummy4life1:
Kindly view below list which Include home and hospital requirement for Mother and child:

***For Mother -
3 loose night gowns(front opening)
3 New wrappers
Towel(Big and small size)
Bathing soap
Vaseline
Mosquito net
Comfit pad (3 packs)
1 big tissue
Disposable sanitary pants
Diaper bag
Washable Breast pads
Breast pump
Latex examination gloves(1pack)
Shaving stick(1pcs)
Sunlight detergent(1pcs Big Size)
Jik(1big size)
1 toothpaste and brush
Bathroom Slipper's

*****For baby
4. Baby cotton body suit
4 Baby sleepsuit
2 Baby sweaters + trouser and cap set
5 Baby bibs
5 baby face towel handkerchief
3 Baby caps
2 Baby towels
2 Baby blankets
Chicco Baby soap (bar)
Chicco powder
Johnsons baby oil for hair
Chicco lotion /Coconut oil for skin
Soft Baby sponge
Blue seal vaseline
Baby comb set
Baby manicure set +thermometer
Baby foldable bed with Mosquito net
6 pcs of (mix Size 1 and 2) baby diapers
Methylated spirit
Cotton wool
Baby wipes
Savlon
Baby Plastic Wardrobe
Clothes hanger(Evergreen product)
Sudocream
Baby plastic bath set (tub, bucket and potty)
Avent Feeding bottle (small and big size, 2pcs)
Bottle and teat brush
Diaper bag
Chicco or Graco convertible Car seat(that can be used from infant to toddler)
3 baby Outing clothes (0-6 months).
Baby spoon and plate (solid plastic)
Cotton buds
1 Baby shawl
7 Baby socks (for 0-6 months)
Baby pacifier
Agnesia powder
Mucus extractor
1 litre flask (for outdoor use)gint product
Diaper changing mat
Fisher price Baby rocker (infant to toddler)
Flannels(4-6)

Crib, towel for baby and mother, wash clothes and Burp clothes, sterilising tab,
2pcs of cord clamp

Note: Don't buy too much cloth for baby because they grow faster in the first month.

mayluv:
Cc Mumaraoluwa . This is a list I shared a long time ago. If you are patient in searching this thread, you will see other ones.

Mumaraoluwa:
September mom's, help this unserious mom
Am yet to buy baby stuffs, this is my second journey and I sincerely don't know what to buy. Pls make una help me list what to buy, I know I don't need to buy some stuffs like baby blanket, towel, baby bath and so on. Pls help me edakun

rosepetraaa:


There are Investment opportunities. Aside Mutual funds, we also have segregated funds, TFSAs etc. The interest rates are more than what you get in a normal savings account. Most people go for Real Estate... cos mortgage interest rates are so reasonable. But if you don't have money for down payment... you may do more of mutual funds, stocks, set funds, RRSPs etc.

salford1:

CPP earnings are based on how much you contributed into it.

Read the article below:
https://retirehappy.ca/how-much-will-you-get-from-canada/

One of the best way to secure a good retirement is when you pay into another pension apart from the CPP. It could be a provincial pension plan or RRSP. If you are lucky, some employers also match pension payments e.g. maybe for every 5% of your wage you contribute toward an RRSP, your employers could top it up with an additional 7%.

https://www.wealthsimple.com/en-ca/learn/what-is-rrsp

MrMcJay:


So sorry to hear of your dad's experience.

@ the bolded, to get legit land in Lagos, you need:

A realistic budget,

Avoid payment by instalments,

Physically visit the land,

Get a registered Surveyor to pick up the physical coordinates of the land and chart it to be sure it doesn't fall under government acquisition,

Get a Property lawyer to undertake verification of the land,

Verification is not only at Alausa or of only documents, verify the sellers to be sure they aren't impostors and they have the right to sell,

Speak to people living near the land. The information that vulcanizer or fruit seller near the property would give you can save you from losing millions. Ask them.

Let your lawyer prepare your documents and at the point of payment, the sellers must sign. No stories.

Immediately you pay, start building your fence. If possible, pay like 60% of the cost of the land and once fencing is done, pay up the balance of 40%.

Once the transaction is done and you've received your documentation, try to perfect your title at the Lands Registry.

ahiboilandgas:
As advice by mr Emma ...is to hold diversified portfolio...investment mix ......mine 1 is my company (source of income for everthing) 2 fixed income ( bonds and euro bonds and tb (b4 crash) 4 dorm accounts ( euros and pounds ) 5 i brought some share (Gtb and zenith only)6 rental income ...8 i also buy land for futher appreciation (speculations )...no matter the naira depreciation....it will limit my lost...

Leezah:
There is a motion you file in court where money in his account will be used to offset his unpaid rents.

here are few options every lay man can do

If you don't want to contact a lawyer.
Let me give you a summary of what you should do .Serve him the statutory notices ie 7 days and one month,then file a suit for recovery of premises at the nearest magistrate court.

Once the case comes up tell the court you are handling the case yourself,enter witness box and tell the court what the man did and the order you are seeking from them.The bailiff will then enter the box and tell the court that he served the man but he didn't come .The court will then grant you the order you are seeking.You will take the judgement copy and go to the bailiff and pay them for policemen.

The policemen and the bailiffs will go to the man's house one early morning, break his house and pack all his properties to the court premises. I hope you learnt something today from this. Goodluck


or

If you based in Lagos If its Lagos, go through the human right activist section or Mediation center of the State Government. They have many outlets in each local government in the state. They'll charge a fee of #8,000 and would handled the cases

MrMcJay:


That tenant is not entitled to more than 7 days. Any extra time spent is just for you to cut your losses and move on. If you take it to the Citizens Mediation Centre, they won't force you to give her 3 months when you want to give her 2. Must likely, both parties would still settle for 2 months. And it would be duly recorded and sealed with the seal of the Attorney General of Lagos.

MrMcJay:


Agric C of Os are also very much genuine, it's just that the purposes differ from that of Residential or Commercial C of Os. Once they tell a any property is covered by a CofO, try to check 4 things.

1. The propose of the CofO. It is usually written on the front page. Residential, Agricultural, Industrial, Mixed-use, Commercial or Utility.

2. The time span of the CofO. This is written inside the C of O, page 2 or 3. No CofO is issued for infinity and the longest time span is usually 99 years for Residential CofOs. While Agric C of Os have a short lifespan of about 15 to 25 years, others are for much longer.

3. Commencement. The time the CofO commences is very important. It is written on the front page of the C of O and determines when it starts and the remaining lease left on the land. If you get a C of O commencing from 1991 and to last for 99 years, it means it is to expire in 2090 and you have 70 years left on the lease.

4. Covenants. This is very important because these are the hidden clauses where the main terms of the grant are hidden. The conditions upon which the CofO are granted are written here and it is advised that you read them properly.

salford:

Yes it can be situational - I agree too. We also manage our finances differently. It all boils down to choice...I also know large families that hauled their families for years in a used 8 seater van that probably cost less than $6000.

As per choice, a brand new 8 seat vehicle could cost anything from $40k upward excluding dealer fees, taxes, comprehensive insurances for financed vehicles, extended warranties, and loan interest. If one searches well enough, one can also get a very good pre-owned financed from a dealer (maybe 3 to 4 years old vehicle with a mileage of around 40k km to 80k km) for half the amount, and for a fraction of the insurance a brand new vehicle would cost. I can't even imagine what their interest rate would be since they bought a new car immediately after landing, since they would have a likely poor to fair credit history.

My first car in Canada was a 2007 car that I used for maybe 4 years. The car was 6 years old when I bought it. The brand new model of the same car was retailing for $18k (MSRP) before tax . It drove well and excellently till I sold it off or should I say dashed it off for $500 to a very lucky buyer. My Kijiji post mentioned that whoever gets to my place first gets it for $500 bucks, and it sold in less than 30minutes. . I think I bought it for 4k. I was desperate for a car then else I could have bought it even for a cheaper amount.

That car saved me tons of cash as all I did on it was regular oil change. No monthly payment and because it wasn't a new vehicle, I did not need to take it to a dealer garage that would charge upwards of $70 an hour for a simple fix that my mechanic in McKnight would fix for maybe $20 an hour. My 3rd party insurance was also $75 a month compared to a comprehensive insurance on a brand new 18k car that would be around $250 a month. All these factors ensured that I was able to bank a large portion of my then $40,000 per year or thereabouts job.

I can now afford to comfortable finance a $110,000 escalade and not break a sweat. A cheaper Tahoe would also offer me the same level of comfort as an escalade.

Summary: There is nothing wrong in buying a new vehicle as long as you can conveniently afford it, and it fits into you financial goals and budgets. Imo, some of us just see new vehicles generally as bad debts, or it could just be as a result of me being a fan of Dave Ramsey.

Oluphilips2008 shared Part 1 of the Facebook post by Bamidele.
Part 2 of the same Facebook post offers some advice on finances and debt. That was an excellent post imo.

https://m.facebook.com/story.php?story_fbid=10207079649787591&id=1771372868&__tn__=%2As-R

A14:

For short term you can look at GICs.

For long term investments you can look at buying ETFs. If you want to be a DIY investor, you can start by reading The Value of Simple (2nd Ed) by John Robertson. It’s not difficult handle your investments yourself.
There are other options like robo advisors (e.g Wealthsimple and Nest Wealth) which make things easier but note that you pay more.
Please don’t walk into a bank and tell them you want to invest, they’ll most likely sell their product to you (high fees).

Do you plan on making any major purchases in the near future e.g down payment for a house. If you are, you can also save that money in a HISA like EQ bank, their interest rate is 2.45% currently or buy GICs. There’s no harm in investing the money you plan to use as a down payment in ETFs but there’s also no guarantee that the market won’t be down when you’re ready to pull your cash.

I hope this makes sense a little.

P.S. Millionaire Teacher 2nd Ed by Andrew Hallam is also a great read.

A14:

For short term you can look at GICs.

For long term investments you can look at buying ETFs. If you want to be a DIY investor, you can start buy reading The Value of Simple (2nd Ed) by John Robertson. It’s not difficult handle your investments yourself.
I hope this makes sense a little.

P.S. Millionaire Teacher 2nd Ed by Andrew Hallam is also a great read.

iaatmguy:
07034652303 musibau

canadaman18:


First and foremost set aside your emergency fund(this should be enough for 3-6months if you had no other source of income).. around 10K is good for this. Put this in a High Interest Savings Account

Check how much contribution you have in your TFSA and RRSP via CRA website , fill that up and then purchase index funds that appeal to you OR if you don’t want to stress yourself at all get a Roboadvisor that will invest for you . Any interest through this means is tax free or tax deferred

Do the same with whatever is left except this time you’re not tax sheltered..

Once the money grows a bit start looking into real estate, buy somewhere you can renovate and start renting out

Theokleia:
For future reference.
Thank you very much @voguemum

For driving test and how to pass check @ballerz comment
http://www.g1.ca/g1-practice-test/
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/89

Check @BlackBuddy for transfering of drivers licence
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/90
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/90

@Vcole for health services in certain province
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/94

For best banks
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/100

For healthca

For winter clothes sales
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/239

For bus fare in Ontario
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/243

List of necessities
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/246

Check wholesomegrace, fantababy, kmgb, superdoll,kazchick, neni83, missG bsbabe,newbeecey and merovingian comment (single mothers/unaccompanied spouse)
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/249

For home based jobs for single mother check canadianfly comment
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/257

For auction items check @4712A3 comment
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/261
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/262

Issues concerning SIN
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/267

For linkendl job profiling
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/268

Check @telias comment on best time or date to travel
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/269

For internet plan check @solo8 comment
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/270

For ticket violation defence
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/288

For kids clothing check @vcole or vcole moniker
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/294

For cargo and sponsorship
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/302

To link PR on CIC account
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/310

To send passport photo to IRCC
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/314

For Microbiology related or bridging course
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/319
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/320

Driving licence tip
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/326

For renting companies in Edmonton check @maternal statement
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/336
https://rentmidwest.com/edmonton/

For child day care, car insurance company
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/359

For job transition check links from joo2018
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/371

To get funds for school or bridging programs
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/371

Professions in demands in Canada
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/373

https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/375

For more insight settling and phone compatibility
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/377

To open account in Canada bank before arrival
https://www.nairaland.com/3617393/living-canada-life-canadian-immigrant/382