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Investment › Re: Nigerian Stock Exchange Market Pick Alerts by lavylilly: 6:48am On Mar 09

megawealth01:
Yes... I paid most my school fees in my early investment days there

Oh! But with the current recapitalization I don't think any insurance stock would be less than N5 naira

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by lavylilly: 11:25am On Mar 06

“lNot necessarily. In a fragmented industry like insurance, today’s ‘cream of the crop’ can quickly become tomorrow’s average player. Sometimes the real opportunity is identifying the companies quietly building structural advantages—better underwriting discipline, technology, or distribution—before the market recognizes them.

HesInMe:
Abi? If you're going to invest in insurance, a structurally fragmented industry where it's hard to see a durable source of competitive advantage, invest in the current cream of the crop.

2 Likes

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by lavylilly: 11:23am On Mar 06

megawealth01:
I tire o something that has been available since crossing 1 naira. Na me just no wan insurance wahala

it's like you had a really bad experience with insurance stock

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by lavylilly: 3:16pm On Mar 05

Stockpromoter:
Updated

Loco Insurance Radar (LIR) – Market Closed Edition
March 4, 2026

NGX Insurance Index: 1,364.84 (+0.33%)

The sector remains inside the 1,350–1,380 accumulation corridor, gradually building pressure.
The 1,400 level remains the key breakout trigger for a broader insurance sector rally.

Insurance Sector Activity
Total Volume: ~217M shares
Total Deals: ~3,400 trades
Total Value: ~₦724M

Sector participation remains healthy with liquidity concentrated in a few recapitalization candidates.

Most Active Stocks (Liquidity Leaders)
• Veritas Kapital — 56.4M shares
• Universal Insurance — 48.3M shares
• Sovereign Trust Insurance — 21.3M shares
• Linkage Assurance — 15.6M shares

These stocks are currently driving sector liquidity.

Top Insurance Gainers

• Consolidated Hallmark Holdings
• LASACO Assurance
• AIICO Insurance

Top Insurance Losers

• SUNU Assurance
• Custodian Investment
• NEM Insurance

Stocks to Watch

Momentum Watch
Veritas Kapital
Universal Insurance
Sovereign Trust Insurance

Accumulation Watch
Royal Exchange
LASACO Assurance
AIICO Insurance
Linkage Assurance
Consolidated Hallmark Holdings

Caution / Possible Pullback
Custodian Investment
SUNU Assurance
Fortis Microfinance Bank

Structure Levels (Loco Framework)

Support: 1,350
Major Support / Bullish Invalidation: 1,300
Resistance: 1,380
Breakout Level: 1,400

Loco’s Tactical Conclusion

The NGX Insurance sector continues quiet accumulation below the 1,400 breakout level. Liquidity remains active in several recapitalization candidates while the index maintains a stable structure within the 1,350–1,380 corridor.

A confirmed breakout above 1,400 could trigger a broad recapitalization rally across insurance stocks.

However, a breakdown below 1,300 would invalidate the current bullish structure.

What's a microfinance doing in an insurance sector

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by lavylilly: 3:08pm On Mar 05

AIICO
NEM
AXA

Stockpromoter:
Prepare for insurance bull.
If custodian insurance settles at N76 today,it is a big sign of insurance bull.

Once Loco insurance index hits 1,400,it will be a breakout phase.

Which insurance stocks are you holding now?

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by lavylilly: 3:07pm On Mar 05

Thank you very much for this.

aj8:
VeritasKap
Strengths
1. Has a new CEO/MD, a no-nonsense career chief who understands the sector
2. The 2025 statement is looking good with a lot more prudent management and an increase in the investment portfolio. The negative earnings have turned green
3. Earnings 2025 EPS is 0.93 but I consider it even more remarkable coming from a negative 0.57. In other words a move of 0.57 +0.93 =1.50. Compared well to that of Mutual Benefit Assurance
4. Q4 earnings stand alone is 0.42 profit at Q4 was 2,925,972,000 compared to the 2025 UF year of 6,459,407,000 a remarkable surge when compared
5. Common sense strategy is based on an average PE range of 4 and 5 and when the multiples are far outstretched, on the sector’s average PE multiple or the company's PE multiple whichever is lower. Earnings must however be organic or with a high probability of repeat occurrence
6. Veritaskap’s calculations were based on the Q4 earnings and the strength of the new management against the background of Insurance sector reforms.

You may wish to refer to some of my past posts for deeper insight.

Let's see what the Q1 2026 results would come up as: then we can recalculate and restrategize.

I own VeritasKap. But kindly do your research before you jump in.

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by lavylilly: 3:04pm On Mar 05

zendi:
Your broker had his own pickup of the cheap gold to load first.

Had to help himself before you.

Charity begins at self.

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by lavylilly: 3:02pm On Mar 05

deathwing:
Finally done with my steady accumulation of Custodian. Cost basis N68. Now we pray for the market to do its thing in the years to come.

June 2026, it would do 10-15%

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by lavylilly: 3:01pm On Mar 05

mikeapollo:
Folks, who has been able to buy FTGINSURE recently e.g. within this week?
My brokers says it is still very scare and almost unavailable (the thing has gained 500% and I have missed buying it)

it's available na

Sports › Re: Nigeria Female National Teams' Thread by lavylilly: 2:57pm On Mar 05

oloriooko:
Why are our northern girls so scarce to see in football? It's a shameful and sad thing, even in sports generally and I believe there are bunch of talents among them

The reason is the northern here mentality up north at 16 they start prepping your for marriage.

Politics › Re: Yesiro Karamo Dies Before Inauguration As Lagos APC Exco Member by lavylilly: 2:54pm On Mar 05

Politics is a very diabolic and dirty game.

1 Like

Politics › Re: President Tinubu Approves Six Major Road Projects Across Nigeria by lavylilly: 2:42pm On Mar 05

Wickedfact:
During GEJ's tenure, they were selling awarded projects here on Nairaland.

Companies were formed for receiving contracts and upfront payments after which they sell the contract to another company to chase the remaining payments. Those ones would now settle government officials, settle communities and pocket the rest. Meanwhile, the project would be marked as completed.

Omo! You sabi the game very well.

Family › Re: I Became A Lesbian After I Caught My Husband Sleeping With My Nanny by lavylilly: 2:44pm On Mar 01

It’s true those women were part of the story — and that’s actually the point.

Their lives weren’t highlighted as examples to copy, but as evidence of something deeper: that God works through imperfect people, messy situations, and broken pasts.

Rahab wasn’t celebrated for prostitution — she was honoured for faith and courage.

Tamar’s story wasn’t praised for deception — it exposed injustice and desperation in a system that failed her.

Rebekah’s manipulation brought consequences that fractured her family for years.

And the Samaritan woman wasn’t affirmed in her lifestyle — her encounter with Jesus marked a turning point that led to transformation, not continuation.

The thread running through all these stories isn’t “live however you like.”

It’s:

Grace can reach anyone. Redemption is possible. Broken beginnings don’t disqualify you from a meaningful future.

So the takeaway isn’t that women (or anyone) should imitate the dysfunction — it’s that no past puts someone beyond purpose when there’s honesty, growth, and change.

bukatyne:
Rahab was a prostitute, Tamar slept with her father-n-law, Rebekah connived with her son to deceive her husband etc. They were all in the genealogy of Christ.

Then we have the Samarithan woman who had five husbands and a lover who later became an evangelist.

Perhaps, we women should follow these examples also.

Agriculture › Re: 5 Key Lessons Every Nigerian Farmer Should Know Before Planting Season by lavylilly: 4:26pm On Feb 28

This is solid advice — no doubt. But the reality for many Nigerian farmers is a bit more complex than just planning well and thinking like an agribusiness owner.

Sometimes, it’s not lack of planning that hurts farmers — it’s unpredictability.

You can plan perfectly…

✔️ Study the market
✔️ Choose the right crop
✔️ Budget carefully
✔️ Buy quality inputs

…and still face:

– Sudden fuel price hikes that affect transport
– Unstable market prices at harvest
– Rainfall that doesn’t follow expected patterns
– Middlemen who crash prices overnight
– Government policies that shift without warning

So while strategy matters, resilience matters just as much.

Many farmers are not failing because they don’t think like business owners — they’re navigating an environment where:

Planning meets uncertainty
Preparation meets volatility
Effort meets systemic challenges

Yes, smart farming starts on paper.

But successful farming in Nigeria also requires:

Adaptability
Strong local networks
Access to timely market info
Community collaboration

Because sometimes the difference between profit and loss isn’t just the farmer’s decision — it’s the ecosystem they operate in.

Farming here is not just agriculture.

It’s strategy + survival.

And the farmers who win are not only the best planners…
They are the best adjusters.

🌾

3 Likes

Romance › Rules For Men by lavylilly(op): 4:01pm On Feb 28

1. Never go back to the woman who cheated.

2. Never let a woman disrespect you.

3. Never shake a hand sitting down.

4. Never go broke to impress others.

5. Never eat the last piece of something you didn't buy.

6. Always have the ambition to be better.

7. Protect who is behind you, and respect who is beside you.

9. Don't beg for a relationship.

10. Work out at least 4x a week.

11. If you are not invited, don't ask to go.

12. Always carry cash.

13. Dress well no matter what the occasion.

14. Listen, nod, and most of all make eye contact.

15. Find multiple ways to make money.

1 Like

Politics › Re: Celebration In Etche, Rivers As Aba Power Connects Them To Power by lavylilly: 9:15pm On Feb 23

Achor1111:
I stayed 1wk during the yuletide in Aba, light no blink.

This is 2 months, it hasn't blinked.

4 Likes

Properties › Re: Have You Ever Bought "Problem Land"? What Red Flags Did You Overlook? by lavylilly: 8:59pm On Feb 23

free2ryhme:
go your village buy land you will get rest of mind

Even for village people wey their papa no farm for the land they claim say, na the land wey their papa farm to build on it.

Travel › Re: Bees Invade Commercial Bus In Lagos Island, Causing Temporary Panic by lavylilly: 11:07pm On Feb 22

I get what you’re trying to say. It can be frustrating when it feels like some people reject science outright.

Not everyone who believes in spiritual or traditional explanations is “anti-science.” Many people grow up in environments where cultural beliefs, religion, and lived experiences shape how they interpret events. When something unusual happens — especially in a place like Lagos Island where chaos is already normal — people naturally fall back on the framework they understand best.

Science isn’t just about knowing facts; it’s about exposure, education, and trust. If someone hasn’t been exposed to scientific explanations in a practical, relatable way, their mind won’t automatically “tune” there. It’s not always stubbornness — sometimes it’s background.

And honestly, even highly educated people mix logic with belief. Humans are emotional before we are rational.

Instead of labeling people as superstitious or fetish, it often works better to:

Explain calmly

Use relatable examples

Respect their perspective

Then introduce the scientific angle

People are more open when they don’t feel attacked.

At the end of the day, understanding grows through conversation, not confrontation.

descartes400:
But superstitious and fetish people's mind are not tune to science...

Travel › Re: Bees Invade Commercial Bus In Lagos Island, Causing Temporary Panic by lavylilly: 11:06pm On Feb 22

Omoawoke:
Something about supernatural phenomenon, it would always have a natural process to explain it…

I am not saying you aren’t correct but if you study the laws of this earth and your ancestors, you will know they can invoke things beyond the physical you have always known..
There’s a reason the world billionaires and western leaders were doing some occultic stuffs - Epstein file

If supernatural forces want are on attack on someone, the person that day would make wrong decisions, face unfortunate events that would be explained with natural theories lol
Same way if the right energy locate someone, the coincidences would look like the person was just lucky

I get where you’re coming from. Truly.

There are things that happen in life that feel too aligned or too chaotic to just be random. When someone keeps making terrible decisions in one day, or when everything just seems to fall into place perfectly, it’s normal to wonder if there’s something deeper at play.

But here’s a grounded way to look at it.

First, human beings are meaning-seeking creatures. When events cluster together — good or bad — our brains naturally look for patterns. That doesn’t mean the experience isn’t powerful. It just means our psychology plays a huge role in how we interpret it.

For example:

When someone is stressed, tired, or emotionally unsettled, they’re statistically more likely to make poor decisions.

One bad decision can trigger a chain reaction of consequences.

On the flip side, confidence and emotional stability improve judgment, which creates better outcomes — which then look like “luck.”

That chain reaction can feel supernatural, but it often has very human roots.

About ancestors and invocation — historically, many cultures believed in spiritual causation for events. That doesn’t automatically make it false, but it also doesn’t make it proof. Before modern medicine, diseases were attributed to spirits. Now we understand bacteria and viruses. The experience felt supernatural at the time because the natural mechanism wasn’t known yet.

Regarding billionaires and occult rumors — power structures have always been surrounded by secrecy, symbolism, and conspiracy theories. But secrecy doesn’t automatically equal supernatural control. Sometimes it’s just human corruption, influence networks, and psychology at scale.

Now here’s something important:

Believing that unseen forces control your bad days can reduce your sense of agency. Believing that your “energy” determines outcomes can sometimes ignore practical factors like preparation, skill, timing, and social systems.

There is something real about mindset though:

Your beliefs affect your perception.

Your perception affects your decisions.

Your decisions affect your results.

That’s powerful — and it’s natural, not mystical.

And I’m not dismissing spirituality. Many people find meaning, structure, and discipline through it. But there’s a difference between spiritual interpretation and assuming invisible forces override cause and effect.

Sometimes what looks like attack is exhaustion. Sometimes what looks like blessing is preparation meeting opportunity. Sometimes what looks like coincidence is probability playing out.

Life can feel mystical because we don’t see all the variables.

It’s okay to believe in the spiritual dimension of life — just don’t give away your responsibility or critical thinking in the process.

That balance is where real power sits.

1 Like

Travel › Re: Bees Invade Commercial Bus In Lagos Island, Causing Temporary Panic by lavylilly: 5:04pm On Feb 22

First, I have worked as a bee keeper. I understand how they behave in farms, forests, and even very urban places. You’d be surprised how many colonies live comfortably in cities like Lagos Island — inside ceilings, abandoned buildings, drainage gaps, signboards, and rooftops. Bees don’t care whether it’s a village or Victoria Island. If there’s nectar, shelter, and warmth, they’ll thrive.

Urban areas actually have:

Flowering ornamental plants

Fruit trees in compounds

Open waste bins with sugary residues

Water sources from leaking pipes or gutters

That’s paradise for a colony.

Now, about “not everything has a scientific explanation” — I respectfully disagree.

When bees suddenly swarm, attack, or appear in numbers, there are usually clear triggers:

A disturbed hive

Loud vibration (generators, drilling, heavy traffic)

Heat stress

Someone unknowingly blocking their entrance

Scent triggers (perfume, sweat, alcohol, dark clothing)

A colony splitting (swarming season)

Bees are defensive, not spiritual. They are reacting, not targeting.

I’ve personally removed colonies from:

Busy city hotels

Apartment balconies

Government offices

Market stalls

All in crowded areas.

When people don’t understand bee behavior, it feels mysterious. But from someone who handles them with bare hands and a smoker daily — there’s always a reason.

Urban doesn’t mean unnatural. Crowded doesn’t mean impossible. And unexplained doesn’t mean supernatural.

Bees follow instinct, pheromones, and environmental cues — not geography.

youngestgrad:
Bro this happened in a very urban area (Lagos island) not some sparse populated rural village. Not everything in life has a scientific explanation to it.

26 Likes 1 Share

European Football (EPL, UEFA, La Liga) › Re: Nottingham Forest Vs Liverpool (0 - 1) On 22nd February 2026 by lavylilly: 5:00pm On Feb 22

wiseone28:
it stands

3 points Liverpool.

1 Like

Family › Re: How I Cope With Everything Happening In Nigeria? by lavylilly(op): 5:00pm On Feb 22

DeltaBachelor:
Wow. Very interesting way to put it. Sounds funny but very true. Nice one OP. You did well

Thank you. I am glad you enjoyed it.

Family › Re: How I Cope With Everything Happening In Nigeria? by lavylilly(op): 4:59pm On Feb 22

Readers are leader. Keep it up

Love800:
Yea. Everyone has their coping mechanisms though. Just give me books and i will be out in space, floating around Jupiter and Mars! Lol.

1 Like

European Football (EPL, UEFA, La Liga) › Re: Nottingham Forest Vs Liverpool (0 - 1) On 22nd February 2026 by lavylilly: 4:57pm On Feb 22

VAR checking

Travel › Re: Bees Invade Commercial Bus In Lagos Island, Causing Temporary Panic by lavylilly: 4:53pm On Feb 22

1. When a colony becomes overcrowded, the queen leaves with thousands of worker bees to form a new colony. This is called swarming.
During this process:
Bees temporarily gather on any surface nearby — tree branches, walls, cars, buses.
They rest there while scout bees search for a permanent hive location.
The cluster can stay for minutes or several hours.
👉 A parked or slow-moving commercial bus would be a perfect temporary landing spot.

2. The Bus Had a Strong Smell That Attracted Them
Bees are highly sensitive to scent. They can be attracted by:
- Sweet drinks spilled inside (Fanta, Coke, malt)
- Perfumes or body sprays
- Food residue
- Honey-like smells
- Bright floral designs on the bus
In busy areas like Lagos Island, buses often carry all kinds of scents.

In short, A migrating colony temporarily resting — not an attack.

145 Likes 4 Shares

European Football (EPL, UEFA, La Liga) › Re: Nottingham Forest Vs Liverpool (0 - 1) On 22nd February 2026 by lavylilly: 4:52pm On Feb 22

AirBere:
17:30....5:30 Naija time!

Thank you.

Family › Re: Hit Me With The Hardest Truth You Had To Accept As A Man by lavylilly(op): 4:28pm On Feb 22

ibechris:
Thoughts,I mean good thinking is the beginning of wealth creation.

European Football (EPL, UEFA, La Liga) › Re: Nottingham Forest Vs Liverpool (0 - 1) On 22nd February 2026 by lavylilly: 4:20pm On Feb 22

AirBere:
Make them no draw abeg. I need that L 🙏

Please when is arsenal match

Career › Re: The Many Hurdles Of Remote Workers In Nigeria by lavylilly: 2:31pm On Feb 22

emperor4love:
I tried tracking that queenble on telegram to no avail and it interest me to know more about a.i automation and step to build career on it

She's there or join
J
o
b
Z
o
n
e
NG
On telegram

Jobs/Vacancies › Re: My Funny Experience With An Organization by lavylilly: 4:51pm On Feb 20

illicit:
I will leave before closing....

No time to check time.

3 Likes

Family › Re: Moms Love Is Overrated by lavylilly(op): 4:49pm On Feb 20

Love800:
Astonishing.

Nice one.

I appreciate.

1 Like

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