hunniesuzie:
Hi. My nl email has been acting up. Currently in transit, when i settle down I'll search for the info and paste it here

Okay, thanks

[quote author=Sansa143 post=68383774

Nice one
I've observed you like trying new things

Lemme share, that's if laziness allows me try it

Giddyperson:

I don't know how anyone has the patience for these kind of investments. I find the interest rate to this FGN Savings Bond to be ridiculously low. 13% per annum. Rich men might stash away money for their children this way, but if you're middle class and lets say you have a million naira to spare and you invest that in FGNSB for your child, at the end of the year your baby would have made only additional N130, 000.00.Since it has a 2-3 year maturity rate, at the end of two-three years he'd have made N1, 260,000.00-N1, 390,000.00. Either way adunbulivit. I don't have that kinda patience biko. Agreed, its extremely low risk but my Anambra husband would tell you to give him the money let him double it in six months rather that FGN's 8 years.

Anyway my opinion is if the sum you have to invest is not something that can reasonably help the life of the child if anything happens to you, then I'd rather invest it in hustling while there is life. Either that or I'd make riskier investments that are more profit yielding.

Ha ha ha ! Aya Money doubler!

I do not have a kids account, I haven't really considered it.

We have life and critical illness insurance. In fact the life insurance sef I am looking to maximise it to the most ridiculous payout I can afford! We have also being talking of getting our wills in place, however we haven't gotten around to doing it.

We also have an amount of money that is being ringfenced for general investments now to build up funds for future school fees, housing etc..

Note dd is only 2 and will not be starting proper school till sometime in 2020.

Essentially I think it maybe a good idea if there is a tendency to dip your fingers into your savings every now and then. Kids accounts offers you with a solution that puts some restriction on chopping into the funds.

However also my logic is if the kids cannot access the funds till they are a certain age, God forbid something happens to the parents before then, does it really help them will they then wait till they are old enough to access the accounts before they can go on will their lives.....

Having trusted executors/trustees that can access parents accounts in the event of death where the kids are still underage and can disburse funds for fees and upkeep is my own logic

Sounds grim but practical!

However different strokes for different folks.

[chaiii, na wa ooo, so no remedy,, thanks ma,, i will buy morequote author=AlphaHandMaiden post=68385017]

Invest in plenty bibs. The more absorbent the better. You May also want to get the type that has a cotton outter with a "waterproof" backing liner. This way it reduces the rate at which the wetness gets absorbed into his clothes. Change frequently. [/quote]

[chaiii, thanks ma, i tot there was something I can do,,, its well quote author=hunniesuzie post=68384757]One of the precursors of teething. Wear a bib for him during the day

[/quote]

SUPERPACK:
?

lol monikers dey this nairaland sha.. U know I was referring to the indomie brand and not you.

Beautiful mothers help, how do I handle this issue with mother InlaW... when I gave birth to my son he was very black, Okk fast forward to last two weeks my baby is now changing his face is getting a bit fairer... sincerely from my hearts of heart am using palm kernel oil and black soap sold by this Yoruba women to bath him,most time she is one who bath him sef...the issue now is that she thinks am using my cream for my son....please how do I handle this.

My dear,pls do.d taste is awesome

Awesomemama:
[quote author=Sansa143 post=68383774

Nice one
I've observed you like trying new things

Lemme share, that's if laziness allows me try it

Hello mamas, my baby is 13months and she's not walking yet, she can't even stand on her own, pls what can I do to hasten her walking process

For those seeking information, i have an email from investment one wt briefs on their product offerings.

Pls send me a pm if u wanna have a look

graciamore:
Beautiful mothers help, how do I handle this issue with mother InlaW... when I gave birth to my son he was very black, Okk fast forward to last two weeks my baby is now changing his face is getting a bit fairer... sincerely from my hearts of heart am using palm kernel oil and black soap sold by this Yoruba women to bath him,most time she is one who bath him sef...the issue now is that she thinks am using my cream for my son....please how do I handle this.

Sorry but I'm trying to understand what the issue is here....

enque:

Sorry but I'm trying to understand what the issue is here....

how do I convince her that am not using my body cream for him thanks

graciamore:
how do I convince her that am not using my body cream for him thanks

Seriously??
Dts d issue?

Kai..... I think I'll just wait for others to com n respond.
Sorry

graciamore:
Beautiful mothers help, how do I handle this issue with mother InlaW... when I gave birth to my son he was very black, Okk fast forward to last two weeks my baby is now changing his face is getting a bit fairer... sincerely from my hearts of heart am using palm kernel oil and black soap sold by this Yoruba women to bath him,most time she is one who bath him sef...the issue now is that she thinks am using my cream for my son....please how do I handle this.

Allow her to think whatever she wants to think. As far as your conscience is clear and you have explained to her, just press ignore button. Don't do it in a rude way, lass lass she go rest.

FloraEC:


Allow her to think whatever she wants to think. As far as your conscience is clear and you have explained to her, just press ignore button. Don't do it in a rude way, lass lass she go rest.

thanks mam...

AlphaHandMaiden:



Ha ha ha ! Aya Money doubler!

I do not have a kids account, I haven't really considered it.

We have life and critical illness insurance. In fact the life insurance sef I am looking to maximise it to the most ridiculous payout I can afford! We have also being talking of getting our wills in place, however we haven't gotten around to doing it.

We also have an amount of money that is being ringfenced for general investments now to build up funds for future school fees, housing etc..

Note dd is only 2 and will not be starting proper school till sometime in 2020.

Essentially I think it maybe a good idea if there is a tendency to dip your fingers into your savings every now and then. Kids accounts offers you with a solution that puts some restriction on chopping into the funds.

However also my logic is if the kids cannot access the funds till they are a certain age, God forbid something happens to the parents before then, does it really help them will they then wait till they are old enough to access the accounts before they can go on will their lives.....

Having trusted executors/trustees that can access parents accounts in the event of death where the kids are still underage and can disburse funds for fees and upkeep is my own logic

Sounds grim but practical!

However different strokes for different folks.

This makes sense of course, I know many parents who would invest in stocks then sell off at school fees season then reinvest again waiting for the next school fees season. I buy into this idea especially if you are able to monitor the stocks first hand to make sure you don't lose a lot and pull a Hunniesuzzie.

But I've also witnessed some ridiculous investments imo. If you are saving up to give your child a better future, then that child better be having atleast 20 million in that account when you pass and that's for today's economy, who knows what the reasonable amount would 'be when our kids graduate college. To open a savings account where you throw in 10k monthly is ridiculous, especially when I read in the post I quoted that such accounts have a 3% interest rate and I assume that's not per month.

Again if a buxed up grandma is looking for a place to stash away some money for the grand kids, then even FGNSB doesn't seem like a bad idea. My post wasn't to discourage saving but to bring up conversations like this, and to make askers aware that this isn't the kinda question you ask online and then invest in the popular reply. Investments would vary based on primary reason for investing in the child, how much you have to invest etc. I'm just gonna stop typing now cuz I'm pregnant and tired.

graciamore:
Beautiful mothers help, how do I handle this issue with mother InlaW... when I gave birth to my son he was very black, Okk fast forward to last two weeks my baby is now changing his face is getting a bit fairer... sincerely from my hearts of heart am using palm kernel oil and black soap sold by this Yoruba women to bath him,most time she is one who bath him sef...the issue now is that she thinks am using my cream for my son....please how do I handle this.

I don't see any issue here, ignore her, shikena, she won't ask you to kneel down and raise your hands,dont worry

Sansa143:
My dear,pls do.d taste is awesome

Okay ma'am

Hyphee:
Hello mamas, my baby is 13months and she's not walking yet, she can't even stand on her own, pls what can I do to hasten her walking process

She will walk when she is ready, so long as she is cruising fine... Zizi didn't even stand on his own before walking so relax. I think parents gets worried from 18months upwards.

Why must you convince her?

She's a grown woman, so are you. She'll believe what she likes, you're doing what's best for your son, everybody will be fine laslas

The only thing I want to add is, hope you trust the person making the soap for your baby? One needs to be careful with such things

graciamore:
how do I convince her that am not using my body cream for him thanks

FloraEC:


Thanks, where's the store or should I just go to tradefare and buy. How will I know the original?

They have a corridor store inside Ikeja city mall quite close to entrance 2.
Another one is in surulere @ 80 adeniran ogunsanya
If trade fair is closer you and sure of getting original then go for it.

jazzyjazz:


Which milk are you using and how old is your baby?

lactogen 2, he is 9months +

enque:


Seriously??
Dts d issue?

Kai..... I think I'll just wait for others to com n respond.
Sorry

Lol. Mama you no get joy o

Awesomemama:


We take light pap n milk and cow n gate rice cereal
We will be 6month by month end

thanks ma'am

Chirolechick:
Mama I use cow and gate cereal 4+months and Kendmil cereal 4+months, my baby particularly prefers the banana to the rice, try it, really nice

thanks ma'am

Chirolechick:
Mama I use cow and gate cereal 4+months and Kendmil cereal 4+months, my baby particularly prefers the banana to the rice, try it, really nice

Hi mama... how's ur dd? Did the breast milk flow again after that 1 month break? It's always been in my mind to ask how you surmounted that phase..

graciamore:
Beautiful mothers help, how do I handle this issue with mother InlaW... when I gave birth to my son he was very black, Okk fast forward to last two weeks my baby is now changing his face is getting a bit fairer... sincerely from my hearts of heart am using palm kernel oil and black soap sold by this Yoruba women to bath him,most time she is one who bath him sef...the issue now is that she thinks am using my cream for my son....please how do I handle this.

Tell her you are not using your cream for him na!!! how else do you want to handle it? throw away your cream?

enque:

Seriously?? Dts d issue?
Kai..... I think I'll just wait for others to com n respond. Sorry

LMAO

Mzleemah:
lactogen 2, he is 9months +

Maybe you can try a new milk

graciamore:
how do I convince her that am not using my body cream for him thanks

Why are you stressing.

Let her bath and cream and dress him sef!

Buy a new pack of the baby cream and give her.

No need to argue!

If she is the one bathing him and creaming him, she will know what is being used.

Many thanks

Liftedhands:
https://www.nairaland.com/3589456/house-clearance-sales-come-here/137#68149617

Check it out i mentioned you there, don't know if it's still available. You can find other sellers or make your request there.

jazzyjazz:

Maybe you can try a new milk

i will try that, thanks ma