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TV/MoviesRe: What's Your Favourite TV Series Opening Theme Song? by insure1: 5:27pm On May 27, 2015
Game of thrones

Boondocks

Weeds
FashionRe: Top Perfumes: Reviews for Guys & Ladies Perfumes Here! by insure1(op):
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FashionRe: Top Perfumes: Reviews for Guys & Ladies Perfumes Here! by insure1(op):
misterrex:
do u sell these perfumes advertised?
Yes sir, all of these. And many more... And will deliver to you same day or the next
FashionRe: Top Perfumes: Reviews for Guys & Ladies Perfumes Here! by insure1(op):
9. Fahrenheit by Dior

Price: N12,500

PoliticsRe: Buhari's Promises In Pictures, For Posterity. by insure1: 7:02pm On May 02, 2015
In due time these promises will be revisited and properly put in perspective. Nigerians will decide again if performance turns out woeful.

Posterity never fails with its gavel.
RomanceRe: Who's Your Celebrity Crush ? by insure1: 5:38pm On May 02, 2015
Khloe Kardashian.
FashionRe: Tips On How To Identify Fake Perfumes by insure1: 3:25pm On May 02, 2015
voltron:
All that sciency stuff about perfumes just gets me lost.. so what i tend to do most times is go for the Eau De Parfums, buy from Duty-Free Shops anytime I travel or stick with the bigname shops like Montaigne and Essenza or Perfumery
Fair enough sir. These are very reliable places to buy from. But if you come around Lagos anytime, let me deliver your choices and only hope my prices beat those big stores.

Quality is not an issue.
PoliticsRe: We Must Question Sources Of Rich Nigerians’ Wealth –osinbajo by insure1: 2:19pm On May 02, 2015
cirmuell:
you don't know the road to his house? undecided
My question bothered round his church, not his house.
PoliticsRe: We Must Question Sources Of Rich Nigerians’ Wealth –osinbajo by insure1: 12:45pm On May 02, 2015
I just want to know one thing: Does Osinbajo still pastor his church? Or has he graduated? Anyone? undecided
CelebritiesRe: Yul Edochie: Stalker Wants My Manhood Picture, Vows To Ruin Me by insure1: 11:30am On May 02, 2015
I think there's something fishy with this story. Its somewhat too smooth. Or is it just me?
Methinks Yul hasn't said all undecided


That urge to project oneself as innocent is a subtle sign of something lurking.
BusinessRe: HILARIOUS: See What A Man Asked Jumia On Twitter by insure1: 11:27am On May 02, 2015
omenka:
This is farking hilarious. They even get time reply the guy. cheesycheesy

Soon we might start seeing things like @JumiaNigeria, please do you have nkwobi?? grin
Na so na cheesy
Aint a thing wrong with that sir

Meanwhile, you can ask @in_sure1, please do you have Lalique? wink
FashionRe: Tips On How To Identify Fake Perfumes by insure1: 11:05am On May 02, 2015
voltron:
@OP this is very useful. however tell-tale signs that you have bought a fake perfume are usually 2 things for me.

1: The Quality of the Cellophane Wrapping - Fake perfumes have these crackling cellophane that has creases and folds when squeezed. The cellophane on the Real McCoys are of a softer quality and they retain their shape to a degree when squeezed.

2: Poor French or English text with foolish grammatical errors in composition and speling. No Perfume house will make such a silly mistake

This has helped me massively - also check FragranceNet DOT COM for images and descriptions of perfumes.

Better yet, order your perfumes direct from Amazon or Essenza, Montainge Place. reputable shops
Nice tips. But truth is that adulterated fragrances can come with same quality of cellophane wrapping.

In Nigeria, people erroneously term any fragrance that doesn't smell loud as they desire as fake perfume. Some fragrances were not created to be very pungent. This doesn't make them fake.

Having said that, perfumes are made with ingredients according to different notes. Top, middle and base notes. With original products, each ingredient is added to the mixture according to a specific measurement.
Fake perfumes, either use substandard of these ingredients or reduce the quantity of the ingredient of each note thereby reducing its potency.

Again, some perfumes come in exact packaging of the original but smell totally different. Top notes, middle notes and base notes are way off the ones created by the brand owners.
There are perfumes called 'Designer Impostors' that come as the RealMcCoy. Only a few can spot them.

Goodluck with purchases.

Jodeci, phillips70, Tgirl4real
FashionRe: Top Perfumes: Reviews for Guys & Ladies Perfumes Here! by insure1(op): 10:15am On May 02, 2015
8. Blue de Chanel by Chanel

Bleu de Chanel is a sophisticated and contemporary fragrance from Chanel that hit the market in 2010. Chanel introduces its enhanced version, Bleu de Chanel Eau de Parfum, in summer of 2014. The fragrance is dedicated to freedom—endless, deep and boundless.

The woody-aromatic composition created by Jacques Polge follows the original path but goes down into a sensual and oriental amber territory. Wood maintains the freshness of the original in this variant, enriched with depth and velvet amber woods.

The fragrance is available as 50 and 100 ml Eau de Parfum.

Price: N17,00

FashionRe: Top Perfumes: Reviews for Guys & Ladies Perfumes Here! by insure1(op):
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FashionRe: Top Perfumes: Reviews for Guys & Ladies Perfumes Here! by insure1(op): 9:39am On May 02, 2015
7. Birthstone by Prive

90ml Eau de Parfum | Vaporisateur Natural Spray | 3.0 Fl.Oz

Opinion: Great long lasting fragrance. Awesome smell for just the right price

Price: 2,500
FashionRe: Tips On How To Identify Fake Perfumes by insure1: 9:08am On May 02, 2015
FriedPlantain:
I wish I had seen this thread like two years ago or so.

I bought a Tom Ford perfume at the Main Oshodi market for 15k and wore it to my fiancee's family house since she'd been disturbing me to come around a long time back. Immediately their family dog saw me coming, he ran towards me sniffing at my clothes likes its life depended on it or something.

Ten minutes later the poor dog was found convulsing crazily by the gate. He eventually died an hour later despite desperate but fruitless attempt at reviving the nigga by my soon-to-be father in law. .

Needless to say, it is two years now and I am yet to receive another invitation into their house again. cry




FriedPlantain
Hilarious! grin

Nice tips insightz
FashionRe: Top Perfumes: Reviews for Guys & Ladies Perfumes Here! by insure1(op): 4:03pm On May 01, 2015
6. Kenneth Cole Black for Men by Kenneth Cole.
This is a Woody Aromatic fragrance for men. Kenneth Cole Black for Men was launched in 2003 and created by Harry Fremont and Sabine De Tscharner. Top notes are ginger, mandarin orange, basil and water mint; middle notes are nutmeg, incense, cedar, lotus and exotic woods; base notes are amber, musk, violet leaf and suede.

Price: 8,000.

FashionRe: Top Perfumes: Reviews for Guys & Ladies Perfumes Here! by insure1(op):
Insightz:
.
Lol. Bro chill a bit, it should not be a problem. I laid no claim(s) to it and you have even already taken the credit all by yourself na and even inserted your link. I simply intended to help folks who needed their prices.

Anyway, since you're a perfumes enthusiast, what do you think of the list so far?

*i thought you'd have gotten over that and commented na huh
FashionRe: Top Perfumes: Reviews for Guys & Ladies Perfumes Here! by insure1(op): 10:29am On May 01, 2015
5. 18 Sensual by Perry Ellis

18 Sensual by Perry Ellis is a Floral fragrance for women. The fragrance features bergamot, mandarin orange, pear, white rose, fruity notes, lily-of-the-valley, jasmine, vanilla bean, woody notes, freesia and white musk.

Opinion: very good review have come from this. Its defining, revealing and sensual!

Price: 8,500

FashionRe: Top Perfumes: Reviews for Guys & Ladies Perfumes Here! by insure1(op):
4. Encre Noire by LaLique

Encre Noir is a masculine, mysterious black crystal block presented by the house of Lalique in 2006.
Top note is cypress; middle note is vetiver; base notes are musk and cashmere wood.
It is unique and will absolutely astonish all who perceive it!

Opinion: It gives a luxury feel. I haven't seen even one person who has used this and didn't love it. Matured, ideal for working class guy who combines a good social lifestyle... And demands a class of his own!

Price: N10,000

FashionRe: Top Perfumes: Reviews for Guys & Ladies Perfumes Here! by insure1(op): 9:26am On May 01, 2015
3. Epic Adventure

Epic Advendture is a woody Aromatic fragrance for men. Affordable, as it introduces you to your own class.

Opinion: Get Adventurous with your aura!

Price: N5,000.

FashionRe: Top Perfumes: Reviews for Guys & Ladies Perfumes Here! by insure1(op):
2. Red Door by Elizabeth Arden

Created in1989, Red Door is a classic, elegant signature fragrance, a symbol of glamour and luxury, inspired by the famous Red Door Spa center. It opens with ylang-ylang and red rose, at its heart; orchid, jasmine, lily-of-the valley, orange blossom, wild violet and freesia. The base is composed of honey, sandalwood and vetiver. The nose behind this fragrance is Carlos Benaim.

Opinion: Awesomely crafted, glamorous and elegant, this is a must use signature fragrance for ladies! A perfect birthday gift.

Price: N10,000.

FashionRe: Top Perfumes: Reviews for Guys & Ladies Perfumes Here! by insure1(op):
notime3555:
.
Thank you sir. You would do well to let 'broke people' be.
FashionRe: Top Perfumes: Reviews for Guys & Ladies Perfumes Here! by insure1(op):
Now, let me also recommend some really cool fragrances for men and women. Also perfect as gifts

1. Eternity by Calvin Klein
Eternity by Calvin Klein is a Aromatic Fougere fragrance for men. Eternity was launched in 1990. The nose behind this fragrance is Carlos Benaim.
Base notes are sandalwood, amber, musk, vetiver and brazilian rosewood.
Top notes are mandarin orange, bergamot and lemon;
Middle notes are coriander, blossom, juniper berries, basil, sage, lily-of-the-valley and geranium;

Opinion: if you are the cool guy who doesn't want something too mild nor too loud/pungent. A classy masculinity is accentuated.

Price: N8,500

FashionTop Perfumes: Reviews for Guys & Ladies Perfumes Here! by insure1(op):
This list was made on another thread by Insightz. A good list with nice perfumes you won't regret. So I decided to help with the prices:

1. Davidoff Cool Water N8,000
2. Chairman by Yves De Sistelle
3. Azarro Chrome by Azzarro N8,500
4. Nautica Voyage by Nautica N10,500
5. Cuba Gold by Cuba N11,500
6. Lanvin L`Homme Sport by Lanvin
7. 24 Gold by ScentStory
8. Lanvin Avant Garde by Lanvin
9. Joop by Joop! N8,500
10. Azarro Legend by Azarro N8,500
11. Midnight in Paris by Van Cleef & Arpels
https://www.nairaland.com/2273601/top-10-budget-perfumes-men
PoliticsRe: Leadership Newspapers Journalists Sue Police, Demand N10m Damages by insure1: 11:41am On Apr 10, 2013
There was a case of harassment by a colonel in d nigerian army. The judgment was in favor of the aggrieved and the army paid. Why won't the police pay? They shld knw better than being above the law. They can only appeal
InvestmentRe: Nigerian Insurance Sector Shares: Analysis Wanted (AIICO, NEM, Allie, Custodian) by insure1: 10:43am On Apr 10, 2013
hardbody: It is both sad and unfortunate how people parade their ignorance on something they know nothing about. Insurance as a sub sector has not penetrated deeply in Nigeria because of these form of reckless submissions by people who should know. When the stock market was booming, insurance as a sub sector made so many people rich with their penny stocks, today, the market has gone south across board and it has affected all the companies. As for long term fundamentals, google the likes of Mansard, cornerstone, and perhaps custodian. You will realize what has been going on.

For those of you that say God is your insurance, I pity your recklessness. I repeat, my cousin had an accident with one of my cars coming back in December from the East, the cost of total repairs, in the neighborhood of about 450k was borne by the insurance company. I have household, fire and burglary, etc. I have rest of mind because whether fire, flood, robbery or whatever that happens to any of my assets, my insurance company will pay.

Finally, rather than claim that the companies are just sitting down and waiting for government patronage, please learn a little more about industries and sectors outside yours, that is what makes a man brilliant and smart. By the way, I use Cornerstone Insurance and they have never failed me.
I lend my voice to these words here.

On point cool! You are very very on point cheesy
InvestmentRe: Nigerian Insurance Sector Shares: Analysis Wanted (AIICO, NEM, Allie, Custodian) by insure1:
cheesy

Op, before critical analysis begin you first want to know that:
Insurance companies generate funds frm banks and all other financial institutions, Federal Government's and indeed all governments' properties, multi-nationals, private companies spanning all sectors, repeat ALL sectors of the nigerian economy, individuals (sadly only a small percentage) use insurance. Like I already mentioned, even the banks go to insurance companies to insure themselves and even insure the money they save for you. Insurance is like a (or should be the) backbone of all businesses... against risks!

Every person & every property (personal/official) should be insured. I'm just giving you the scope of the ideal relevance of insurance and where the generate funds.

insurance sector is only as healthy as the health of the totality of the entire economy/nation.

Having said that I want to clear something here:
I 'strongly' disbelieve that insurance firms use abt 80% of the premium collected for management costs. Rather it should be that that article meant to say 80% of the profits earned on the premium.
When this premiums are paid, the companies in turn, use the monies as capital to do businesses (businesses which vary from one company to another). At the end they make profit from this deals they do. Now, from the proceeds, they pay the client interest on his money(a prior mutual agreement on the rate), pay the marketers their stipends and commissions, pay their electricity bills, water bills, salaries, rents, fuel generators and cars, repairs and general maintenance etc.
After all these expense the company might have a substantial/little amount to declare as profits of which the shareholder may/may not be happy with.

It is false and misleading to say that insurance companies spend 80% of premium on management expenses. For some of us here who don't know what 'premium' is: its the total money a client (the insured) pays as cover to the insurance coy per annum. So if a client is paying 10,000 naira monthly it'll amount to 120,000naira per annumm. This 120,000 is the premium. so a coy doing & in business just leaves the money laying down there and keeps spending out of it up to 80? shocked na political partygrin?
PoliticsRe: Bill Clinton Bowing Down For Obama [PIC] by insure1: 10:43pm On Sep 06, 2012
Cos
crisycent: Real recognize Real
Raaaaah!
Autos. by insure1(op):
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RomanceRe: Dumped After Blood Covenant And Abortions by insure1: 9:08am On Jun 14, 2012
Nicole9 u want d world to join ur friend against d guy because he wronged her, who will join d 4 helpless ones she wronged.
LiteratureRe: Whats The Most Interesting Novel You've Ever Read? by insure1: 10:14pm On Jun 13, 2012
I started collecting dan brown's. His are usually a bit more than mere stories.

Please anyone, there's a book 'Murder by Deception' written by E.A Meredith. I have really got to read that book. Its d most interesting I ever came across but few pages into it, I lost the book sad angry

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