I would advise that you stick to your 70k job as selling insurance without a basic pay can be frustrating.

It is not easy to close a business, and you also need to close a lot of businesses or a transaction with a high premium to earn well.

EmperorTolson:
I earn above 70k monthly and I was recently offered a job at Mutual Benefits Assurance Plc as a Marketing Executive, with no salary, only commission and bonuses.
What'd you advise I do? Do you think it's worth it? Please enlighten me.
Thanks.

Try replacing it with Zobo

This was me years ago but i was able to end the addiction by denying myself every time the temptation arises.

Did i fail during this period yes and i tried harder till i got it right.

You can do it

ahnie:
I m addicted to carbonated drinks and it's beginning to sound weird and I can hardly do without taking like 3 a day in every meal I take.

It's like there's a force propelling me to always take carbonated drinks.

Pls how do I get rid of such unhealthy habits?

What is she celebrating that she is ordering champagne…If it’s not my money let me spend it any how..

Nice one for leaving the eatery after paying for yours

Babara1994:
We met on Facebook, exchanged numbers and few days down the line, she asked for a date.

Fine, I obliged, but she didn't know I'm always on Dutch mode when it comes to dates. LOL

So we got the place. A very expensive eatery. She was well-dressed but was all bleached - a big turn-off. I actually like light-skinned women, but not the bleached ones.

Okay, fine. She ordered a plate of rice, a bottle of champagne, a cup of ice-cream and three pieces of meat-pie. I began to wonder if we came for national eating competition. Anyhow sha, I ordered a plate of rice and a bottle of malt.

When it was time to pay, I paid for mine ONLY and told her to settle her bill. It led to an argument and all eyes were on us. I left the place and insisted she settled her debt.

A big lesson to all women out there. If you come across me, I won't pay a dime until you're my wife. Why should I act like I'm your husband when you aren't my wife?

And if you're a guy reading this: Spend what you're OK with and don't make yourself a fool. If you go broke tomorrow, you'll be forgotten.

PS: I'm not a redpiller and I'm not a feminist; I'm just human. Humans THINK.

Feet

Wings

Weird Combo

Pap and bread

8 years ago, I got my first job from Nairaland and the salary was 35k with other benefits.

I moved on to another job and till date my boss is still my loyal client.

DaBogu:
Have You Gotten A Good Job From Nairaland?
I'm not talking of =N=50,000 below, I'm asking from =N=100,000 above with benefits such as pension, HMO, leave allowance, 13th month and productivity bonus

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True

The only way a woman can attend another church is with the permission of her husband and if he withdraws the permission you will have to follow him to his church.

A true man of God won’t advice you otherwise because your husband is your crown

Heart break because that shit cause me my peace of mind

1.Melon 2.Banana 3.Pear 4.Lemon 5.Fig 6.orange 7.Apple 8.Grape 9.Cherry 10.Papaya 11.Plum 12.Guava 13.Peach 14.Lychee 15.Kiwi

My strength and how i can overcome my weakness

Brag about myself

Talk about how i will be adding value and how valuable i am


......

It is easy to say though but sometimes the narratives in our head is different from reality.

I don't want to ever be in that position where i would have to walk away

Nah

Fountainofyouth:



When push comes to shove, the way I'll walk majestically away will shock people, so fret not my dear, don't allow people's experience or narrative scare you, it is very easy.

I am not married but the hardest part in my head is not being able to walk away freely.

Well for me its 100k to mom because my dad is late......

Raised us with 25k salary without the help of any man... I stan her for that sacrifice.

No, they are not bastards

No matter how much you give a mother she will spend it catering for her husband. Women are keepers and its wise to give her the bigger share ( i am not referring to greedy women ooo)

vizkiz:
It is not difficult to identify a bastard nowadays.

Just take a look at these kids undermining the post of a father in their lives. The system has so much brought down the role of a father. Making him look like a figure head. Praising the mother alone.

Little wonder we have so many days assigned to praise women and just a day to notice the value of a man (Father’s day). Most times the Father’s Day come and go without anyone noticing it

Same father who worked all his life to take care of his family? Same father who will risk his life day and night just to put food on the table? Same father who paid your fees from the very first day you were born till you started earning your own money? Same father who put a roof over your head and even assigned your own room?

Only for him to be cheated again when he is to reap the fruit of his Labour. Little wonder most of you are cursed. It is because you have offended God and man by being a fool.

What happened to 50:50? To hell with you simpletons.

My mum has done a whole lot for me and I’ll do anything just to make her happy but my dad (bless his soul) deserves as much love and happiness

Just look at a police station...chai naija which way

Life is too short to live a lie.

I am grateful to God for everything

The first and last time i went to my village was to bury my dad when i was little.

Newbreed2018:
For me I don't. Though a mansion is wasting there but what can man do when there are so many obligations and responsibilities one has to meet up in the city?

Secondly I just don't feel the vibe there. Too much envy and evil.

Lastly my kids are comfortable spending holidays with my parents in the city cos my parents live in the city too so what's the point of going to the village I ask?

She was exposed to all forms of infections and who knows what time they decided to take her to the hospital

Amen ooo

Dry season no go dey okay at all

Hoodbilonia:
Even at that,she shouldnt have died. I believe she died at the hospital
Well God no go allow fire burn me o. My God.
For dry season.

I disagree with you.

The foolishness of the people caused her death. I watched the video and as at the time they were questioning the guy the girl was left unattended to. Instead of seeking medical attention first they decided to show their folly to the world

Hoodbilonia:
If she whr abroad,she for no die.
Our docs here are lazy and quickly condem
Why carry her pekus for head.
If u had bleeped her that night
Threw her out by 6.am following day like play like play
Ehen shey her eye for neva clear
Now npf go use u shine
Sars go use u play bet
Lawyers go cash out
Efcc sef go pick
U r what
A yahoo boy

Life in general

Righteousness89:
The Truth is that she is not Far from the Truth!

A whole lot of the Footballers are in a cult. A lot of them are illuminati inclined..

If you have Spiritual Eyes , you will See and know..

Just a handful of them are not involved...

Not Just Football, Sport in General, Even Music..

Ijebus and party...

Beautiful and yes i would rock it

Enixfashionhous:
Every lady wants to attend a themed party or a dinner looking stunning and also standing out in the crowd.
As a lady you should always think carefully about the kind of dress that is worth adding to your dinner/ evening wardrobe.
As we all know our Ankara fabrics have come a long way and now it is being used to make different styles that is suitable for every event.
Here are a few Ankara ball dresses to try out for that event and that can be added to your wardrobe…















https://enix.com.ng/checkout-these-ankara-ball-dresses

Pamatips:
THERE are indications that insurance companies are groaning under the weight of a surging claims portfolio as more risks crystallize, despite efforts to stem the tide. ADVERTISING ADVERTISING The latest financial reports of leading insurers show an escalation of claims volume, rising faster and overshadowing the growth recorded in premium income. The industry’s total Gross Premium Written, GPW, grew by 12.4 percent to N226.8 billion against N201.7 billion recorded in 2017. But the total claims expenses on the other hand went up by 16.5 percent to N98.9 billion from N84.9 billion recorded in 2017. File: insurance The same trend was recorded in the previous year when GPW grew by 9.7 percent while claims expenses went up by 30.3 percent. Industry operators have expressed worry that the trend would pose threat to the industry’s survival in the medium term if not checked.

According to some stakeholders, the greed to take up some particular businesses, contrary to actuarial advise, contributed to the situation. Consequently, some operators have resolved to avoid risks that the actuarial reports may have flagged. Others, on the other hand have said that they can only take up such risk if the price is right because inadequate pricing have been part of the problem generated by competition for customer acquisitions. According to the Managing Director of Consolidated Hallmark Insurance Plc, Mr. Eddie Efekoha, “The industry paid a very huge claim for a particular business in the course of the year. Clearly, if the premium for that business is inadequate, in the next thirty years the claim cannot be paid.

” Companies’ performance A breakdown of individual company performance shows that Prestige Assurance had it tough in terms of claims payment where GPW grew by 26.3 percent to N4.8 billion from N3.8 billion, while claims expenses went up by a whopping 83 percent to N1.2 billion from N655.7 million. Sovereign Trust grew its GPW by 23.5 percent to N10.5 billion against N8.5 billion, but its claims expenses went up by 46.2 percent to N1.9 billion from N1.3 billion. Consolidated Hallmark Insurance had GPW increased by 21.1 percent to N6.9 billion from N5.7 billion, while claims expenses climbed by 28.6 percent to N1.8 billion from N1.4 billion. Leadway Assurance grew its GPW by 3.9 percent to N87.5 billion from N84.2 billion, while claims expenses escalated by 23.7 percent to N33.9 billion from N27.4 billion.

Regency Alliance GPW went up by 3.6 percent to N5.8 billion from N5.6 billion, while claims expenses increased by 10.5 percent to N2.1 billion against N1.9 billion. However, some companies recorded a positive balancing of the claims with the premium. AIICO Insurance GPW went up by 17.4 percent to N37.7 billion from N32.1 billion, while claims expenses rose by 14.9 percent to N23.9 billion against N20.8. Custodian and Allied Insurance GPW climbed by 15 percent to N36.7 billion from N31.9 billion, while claims expenses went up by 10.1 percent to N15.3 billion against N13.9 billion. AXA Mansard GPW increased by 26.5 percent to N33.9 billion from N26.8 billion, while claims expenses went up by just 4.4 percent to N16.5 billion from N15.8 billion. Operators’ perspective Although some insurers recorded modest growth on the GPW, some operators believe it could have been better if not for huge claims settlement. Efekoha said, “We grew our premium modestly and we were profitable which were enhanced by some tax savings that we had. Insurance should be looking up in some respect.” Managing directors of the companies that had adverse claims portfolio preferring to speak on the condition of anonymity said that under-pricing of risks have been the undoing of many insurance operators and the slow growth in premium income.

He stated: “Many insurers have undone and keep shooting themselves on the foot by under-pricing the risk they carry, which they are still doing. “Some companies recently went to the capital market to raise funds. So after struggling to raise funds, they will then give it to some companies that are richer than them in the name of settlement of claims, without any ‘thank you.’ “For me, I don’t know the broker who will change our mindset here. I cannot enrich someone who is already the richest man in Nigeria or Africa because I sweated for this money. “If everybody will price a product wrongly, I will not. I believe in underwriting which teaches that when you have a good risk, you lower your premium, when you have a bad risk, you increase your premium. But what I see today is completely different. Unfortunately, after under-pricing a risk and paying huge claims, during renewal, a lower premium is charged. “In insurance, if a risk becomes certain, you remove it, you don’t cover it.

It is uncertainty that the insurance industry is made to cover, it is not made for certainty. Unfortunately, by our action and inaction, we have contributed to the poor state of the sector.” Speaking on the issue, former President of the Nigerian Council of Registered Insurance Brokers, Mrs. Laide Osijo, said that the concentration on corporate business to the detriment of the retail market has contributed to the marginal growth in GPW over the years. She stated: “We have done the corporate businesses to their limits, unfortunately the corporate businesses can no longer increase in terms of insurance budget and that is why the premium income for the industry is not growing astronomically.” Another top executive of an insurance firm who spoke on the condition of anonymity also attributed the slow growth in premium income to inadequate pricing of risks. He said, “Inadequate pricing of risks goes on in this industry, unfortunately, when the big claims come, not everybody responds as expected. Why is it so? Because liquidity is not there. “You have not built enough capacity and the claims keep coming, there will be nothing left afterwards.” Also speaking on condition of anonymity, an operator blamed the National Insurance Commission, NAICOM, for the under-pricing in the industry saying that it is the duty of the Commission to sanitize the sector. He said, “I believe that there is enough ammunition in the Insurance Act for the regulator to use to sanction companies. If as a company I can’t settle genuine claims and the regulator finds out that I don’t have capacity, it can stop me from writing those classes of business that will embarrass this market. Anybody who trades with you in that class, I equally prohibit them or sanction them, so that others can learn. NAICOM has the power to sack the MD and say ‘we no longer recognize you as the CEO’.”

Read more at: https://www.vanguardngr.com/2019/04/insurance-claims-rise-faster-than-premium-income/

Nice write up

It is really not Simi the musician but rather SEE ME but spelt like SIMI

dheaven:
Must they call out Simi. Why not do your thing than than calling out someone else. Last time I checked every body have their different views in life.

If N power pays you 30k monthly and people who hide behind their phones spill thrash about it,please note that its turn by turn in life.

There are private sectors or some so called entrepreneurs who will use your destiny to work and still not pay you up to 30k.

Be proud of your hustle because if you leave because of dem say dem say, my dear they won't feed you.

Investordaves:
Naija youth who do una this thing..30k.when people they use for one day ,u dey expect for one month...

Please don't down talk the hustle of another man no matter how small it is..in as much they are not doing anything illegitimate, then baba God will bless their hustle.

Remember no one knows tomorrow so be careful of your utterances... you are not God

Who will gift me one....edakun

Actuarial desk in an insurance firm

mbappe:
What can i do with bsc in industrial mathematics in Nigeria.pls I need a mature advice

LordFriar:
Hello everyone. I made some wrong choices way back. Naive me was led into believing that the CaroWhite lotion was a non-skin bleacher; the seller assured me what I had to fear was CaroTone. But now, some 2 weeks after, my hands are lighter than my knuckles which are resilient chocolate browns.

So, someone please, what do I do to revive my dark complexion? I have tried suntanning - or more appropriately, sundarkening - & I've noticed no improvements. Is there some cosmetic solution you know of? Or non-cosmetic others?

Sheabutter or coconut oil