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Lavylilly's Posts

Nairaland Forum › Lavylilly's Profile › Lavylilly's Posts

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Business › Re: Dangote Refinery Valued At $39bn Seeks $1bn In Private Placement by lavylilly: 11:48am On Jun 12
tobenuel:
How can i buy shares with them?
Google Vevita they are the lead issuing house.
Business › Re: Dangote Refinery Valued At $39bn Seeks $1bn In Private Placement by lavylilly: 11:47am On Jun 12
SageTravels:
I am going to invest in this company by God's grace.
IPO is going to be between N5000-7000 per share.
Business › Re: Dangote Refinery Valued At $39bn Seeks $1bn In Private Placement by lavylilly: 11:47am On Jun 12
Parachoko:
So you Sabi pass the people wey put the valuation at $39b?
He has a point, don't be quick to argue, have an open mind an ask questions.
Business › Re: Dangote Refinery Valued At $39bn Seeks $1bn In Private Placement by lavylilly: 11:46am On Jun 12
Using an exchange rate of ₦1,300 per US$1:
So US$1 billion = ₦1.3 trillion (₦1,300,000,000,000) at an exchange rate of ₦1,300/$.
That's 1.3 trillion naira.
Family › Re: A Cry For Hope by lavylilly(op): 11:44am On Jun 12
Onegai:
If she's in Lagos state, she should please go to Ministry of Women and Children Welfare, Alausa. They will be able to help her get the man to support his child.
Thank you I hope she's reading this.
Family › Re: A Cry For Hope by lavylilly(op): 7:46am On Jun 12
Cum4me:
how old are you and what happened to the man that impregnated you. Because he supposed to take care of his responsibilities as a father. Madam everybody dey face the heat from this administration no try manipulate us here.
She's 21yrs and the man has left the responsibility to her alone.
Business › Re: Elon Musk Becomes World's First Trillionaire by lavylilly: 7:44am On Jun 12
Zee0007:
God when? Even 1 thousand naira I no get for account but see person net worth. Kai! When will I boast of even 100k naira for account?
Start by investing in NGX.
Politics › Re: President Tinubu Deserves Credit For Supporting State Police - Riley Moore by lavylilly: 7:42am On Jun 12
In a country like Nigeria, proposals for state police often generate debate because they offer potential benefits (such as local security responsiveness) but also raise concerns. Some commonly cited disadvantages include:

1. Political Abuse by State Governments

Critics worry that governors could use state police to harass political opponents, suppress dissent, influence elections, or intimidate critics. Given the strong influence many governors already have over state institutions, this is often the most frequently mentioned concern.

2. Uneven Standards Across States

Nigeria's states differ significantly in wealth and administrative capacity. Wealthier states might be able to recruit, train, equip, and pay officers effectively, while poorer states could struggle, leading to major differences in policing quality.

3. Funding Challenges

Running a police force is expensive. Costs include salaries, training, vehicles, communications systems, forensic services, and equipment. Some states already face difficulties paying civil servants regularly, which could affect police effectiveness and increase corruption risks.

4. Risk of Ethnic or Communal Bias

Nigeria is ethnically and religiously diverse. There are concerns that state police forces could favor particular ethnic, religious, or political groups, especially during local conflicts, potentially worsening tensions rather than reducing them.

5. Coordination Problems

Many security threats—such as kidnapping, terrorism, armed robbery, and organized crime—cross state boundaries. Multiple state police forces could create coordination difficulties, intelligence-sharing gaps, and jurisdictional disputes.

6. Increased Corruption Risks

Creating additional police structures could create more opportunities for corruption if oversight mechanisms are weak. Without strong accountability systems, misconduct might become harder to monitor.

7. Potential Threat to National Unity

Some argue that highly autonomous state police forces could weaken centralized security control and, in extreme circumstances, be used to support separatist or anti-federal political agendas.

8. Human Rights Concerns

If oversight institutions are weak, state police could become tools for arbitrary arrests, unlawful detention, or excessive use of force. Effective independent complaints and judicial review systems would be essential.

9. Duplication of Security Structures

Maintaining both federal and state police forces may increase bureaucracy and administrative costs. Responsibilities could overlap, creating confusion about who handles particular crimes or emergencies.

10. Difficulty in Establishing Effective Oversight

For state police to work well, strong institutions would be needed to investigate misconduct and enforce accountability. Building such systems across all states would be challenging and costly.

The Counterargument

Supporters of state police argue that local officers understand local languages, cultures, and security challenges better than a centralized force, which could improve crime prevention and response times. The debate in Nigeria is therefore often less about whether state police are good or bad in principle and more about whether adequate safeguards can be created to prevent abuse.

In summary, the main concerns are political misuse, unequal state capacity, funding difficulties, ethnic bias, coordination challenges, corruption, and weak oversight. Whether these disadvantages outweigh the potential benefits depends largely on the legal and institutional safeguards put in place.
Sports › Re: Mexico Vs South Africa: World Cup (2 - 0) On 11th June 2026 by lavylilly: 9:00pm On Jun 11
Yeah, I wonder how you come to a match with such formation not as if you have any away goals. I doubt if SA would even qualify out of this group.
Omoawoke:
Walahi this Mexico no fit pass 2nd round…

Dem no too sabi… this South Africa team is a waste and an average team should be beating them 3-0 by now
European Football (EPL, UEFA, La Liga) › Re: Omar Artan To Officiate 2026 UEFA Super Cup by lavylilly: 8:59pm On Jun 11
No be by population or noise. Somalia producing Omar Abdulkadir Artan no be miracle; na result of identifying, training and exposing one talented referee to the highest level. Artan became a FIFA-listed referee in 2018, officiated AFCON matches, CAF Champions League games, won CAF Men's Referee of the Year in 2025, and was even selected for the World Cup.

As Nigerians, instead of feeling ashamed, make we ask ourselves hard questions. Why our referees no dey reach this level consistently?

The problem no be lack of talent. Nigeria get talented referees. The problem na poor administration, weak investment in referee development, inadequate training facilities, inconsistent mentoring, poor welfare, and too much controversy around officiating. When a system no dey prioritize excellence, e hard for officials to gain the international trust and experience needed for the biggest matches.

Refereeing at the highest level requires discipline, fitness, continuous assessment, integrity and strong support from the football authorities. Countries wey take referee development seriously dey reap the rewards. Those wey neglect am dey complain when major appointments are announced.

Congratulations to Omar Artan. His success shows that even a country facing serious challenges can produce world-class officials when dedication meets opportunity. Nigeria no lack potential; we simply need our FA and refereeing structure to become more professional, accountable and development-focused. :::
Sonnobax15:
lipsrsealed
History is about to be made.

Imagine ordinary a war-torn Somali dey produce referee wey dey officiate big games like this,whereas the supposed gi-ant of Africa can't produce one single referee in afcon angry

Shame on Nigerian referees and congratulations to omar.
Sports › Re: Mexico Vs South Africa: World Cup (2 - 0) On 11th June 2026 by lavylilly: 8:54pm On Jun 11
Missed opportunities for Mexico as SA didn't come to this game with any game plan, how on earth are they playing 5-3-2 formation.
Sports › Re: Mexico Vs South Africa: World Cup (2 - 0) On 11th June 2026 by lavylilly: 8:47pm On Jun 11
Yes, that's correct.
oloriooko:
SA winning this match anyhow
I saw one Ime Okon playing for SA
Politics › Re: Hamzat Names Obanikoro As Lagos APC Campaign DG For 2027 Governorship Bid by lavylilly: 8:42pm On Jun 11
simpleseyi:
.
Mention one that can match Koro’s street credibility and experience. Apart from Tinubu himself, there is no other politician in South West Nigeria that is in the category of Koro
You just dey talk, have you heard Muri Okunola?
Politics › Re: Hamzat Names Obanikoro As Lagos APC Campaign DG For 2027 Governorship Bid by lavylilly: 8:41pm On Jun 11
He would obviously be rewarded as a special adviser or possibly Chief of staff if he wins.
BigYash:
Hamzat even need campaign again? No need wasting money na. Who wan follow am drag am?
Politics › Re: Hamzat Names Obanikoro As Lagos APC Campaign DG For 2027 Governorship Bid by lavylilly: 8:40pm On Jun 11
You are smart.
DarkkManB:
koro has always been President's political tool, apologies for the kind of description
Family › Re: A Response To Lies Peddled by lavylilly: 6:39pm On Jun 11
Na wa o!!!
Romance › Re: I Am Thinking Of Suicide by lavylilly: 6:38pm On Jun 11
imagrg:
Fall in love with better person, una nor go hear word; see wetin love dey fo you now.
My advice: Instead of thinking what you are thinking about, move out of the relationship and find better love outside.
Get a skill and if necessary, do some runz to keep body and soul together instead of wasting that life that someone else would later value.
My dear, life is sweet if you know how to play your cards well.
Which runs?
Family › A Cry For Hope by lavylilly(op): 6:37pm On Jun 11
From DM A cry for Hope: My story
A Cry for Hope: My Story

My name is Morenikeji young woman who has known hardship for most of her life. I was born into a polygamous family where my mother was the second wife. Growing up was never easy. Despite the challenges, I was determined to build a better future for myself through education.

I worked hard in secondary school and performed well academically. I dreamed of furthering my education and becoming someone who could support my family and break the cycle of poverty. Unfortunately, when it was time to register for my WAEC examinations, my family could not afford the fees. The financial burden was simply too much. Watching my dreams slip away because of a lack of money was one of the most painful moments of my life.

After dropping out of school, life became increasingly difficult. Opportunities were scarce, and every day was a struggle to survive. In the midst of these challenges, I became pregnant. Instead of finding stability, I found myself carrying even greater responsibilities with very little support.

Today, I am a mother trying to provide for my daughter in a world that has not been kind to me. There are days when I do not know where our next meal will come from. There are nights when I lie awake worrying about how to pay rent, buy food, and care for my child. Life has been extremely hard, difficult, and bitter.

The pain I carry is not only for myself but for my daughter. I look at her innocent face and pray that she will never have to experience the struggles, disappointments, and limitations that have defined much of my life. I want her to have access to education, opportunities, and a future filled with hope. I do not want poverty to steal her dreams the way it stole mine.

That is why I am humbly appealing for assistance. More than anything, I need an opportunity to work. I am willing to learn, work hard, and do any honest job that will help me provide a better life for my child. I am not asking for luxury; I am simply asking for a chance to stand on my feet and create a future where my daughter can thrive.

To anyone who reads my story, I ask for your compassion and support. Whether it is employment, training opportunities, financial assistance, or guidance, any help would mean more than words can express. Your kindness could be the turning point that changes not only my life but also the life of my daughter. I already learnt tailoring and freedom is in few weeks away, I have been able to buy my seeing machine.

I still believe that brighter days are possible. I still believe that with a helping hand and an opportunity, I can overcome these challenges and build a better future. Thank you for taking the time to listen to my story and for any support you may be able to offer.

+234 816 158 4810
Investment › Re: Nigerian Stock Exchange Market Pick Alerts by lavylilly: 6:35pm On Jun 11
Xidget:
Jf you want to buy, don't let anyone discourage you. When the stock start to rally, you will see all the people who said they will not buy, saying they bought.

It has happened before, and it will happen again
Thank you.
Sports › Re: Nigeria Female National Teams' Thread by lavylilly: 7:03pm On Jun 07
The coach is not in Africa. It obviously from the foreign country.
solonnachi:
Super Falcons need a coach who would do what Eric Chelle is doing with the Super Eagles.
Investment › Re: Nigerian Stock Exchange Market Pick Alerts by lavylilly: 7:01pm On Jun 07
Shalom428:
Some people go learn the hard way be that.
What's your verdict? We shouldn't buy DR?
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.
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
grin
zendi:
Your broker had his own pickup of the cheap gold to load first. grin

Had to help himself before you.

Charity begins at self.

grin grin

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