₦airaland Forum

samfuntua:
prepaid Meter is FREEEEEEEEEEEEEEEEEEEEEEEEEEEEE

queenbetsy:
Dear God,

I'm writing to you this minute to please preserve my mum till 90. She deserves to be taken care of till she closes her eyes permanently and I haven't even done anything for her.

My regards to dad.


Yours sincerely,
Beth

Rozaytee:
she may nt be a runz gal...probably meeting up a friend for d first time

AutoJoshNG:
Commuter activities on roads in Lagos are typically high in the mornings. However, Monday mornings are even more grueling.

On Monday mornings in Lagos, commuters - smarting from the rest opportunity offered by the weekends - are often upbeat and more aggressive in their commute.

On Monday mornings, commercial vehicles are at an incredible high demand.

The shortage of mass public transport during that period makes the competition to get a seat in any available commercial vehicles extremely ferocious.

Commuters who are unable to scramble their way into any available commercial vehicle are left stranded. They are left with no option than to wait for the next opportunity for a scramble into a commercial vehicle heading towards their destinations.

And the rat race continues.

https://autojosh.com/the-typical-lagos-bus-stops-on-a-monday-morning-photos/

PrettyCrystal:
A woman has been rescued after she was robbed and gang-raped off the road in Lekki, Lagos when she was out on a date with a Facebook friend. The suspect has been arrested and is currently in police custody. 

Lagos State police spokesman, CSP Chike Oti, revealed how the woman (names withheld) connected with the Facebook friend in July 2018.

The Facebook friend, who was described by the police as a rapist and armed robber was identified as one Richard Samuel Gbenga.

Oti said: “They interacted a couple of times, getting to know each other. However, on August 4, 2018, the said Richard Samuel Gbenga invited the young woman for a dinner and she accepted. She further told him where they would meet before taking off for the dinner.

“The suspect arrived at the agreed take-off point in a Toyota Camry saloon car registration number JJJ 406 DL driven by one Ayo Salau, a member of his robbery gang.

“On their way to Lekki, they pulled over at a lonely spot. Armed with cutlasses, they ordered her to take off clothes or be killed. Seeing she was naked, they took turns to rape her after which they robbed her of her wristwatch and cash.

“The moment the hoodlums left, the victim raised the alarm and gave a description of their car. Police operatives attached to Maroko Division were alerted and immediately they laid an ambush for the fleeing criminals.

“As soon as the police operatives stopped their vehicle, the criminals took to their heels. The officers chased them and arrested Ayo Salau Yusuf while his partner in crime, Richard Samuel Gbenga, escaped.

“The suspect had since been identified by the victim and he confessed to having committed the crime. He added that his fleeing partner recruited him for the job.

“The Commissioner of Police, Lagos State, CP Imohimi Edgal, cautions the youths especially young women to beware of people who may use the social media to take advantage of them. He assures that the long arm of the law will surely catch up with the fleeing suspect.”

Source; https://www.nationalhelm.co/2018/08/police-rescue-lagos-woman-raped-and-robbed-by-facebook-lover-friends.html

3RNEST:
What platform do u use for payment pls share..thx

xoxo001:
can we see the picture of the standing man?

divinelove:
Please I am still in shock, I went to a beer joint to cool off yesterday and I saw a woman who should be about 7 months pregnant with her husband and both were drinking life beer. The woman took about two bottles with pepper soup. I felt she is killing her foetus out of ignorance and that kept me wondering. is the baby safe with alcohol in her system?

Doctors in the house what's your thoughts

HungerBAD:
This is bad.

This could have been prevented to a large extent if that person was like me.

My BVN is in my head.

I have no ATM cards(not even one), I don't have online access to any of my accounts. I don't have a current account or sign cheques.

Whatever I have, are in my Savings Accounts,and for you to take anything from there, you have to walk into the Bank.

It is not convenient, but it is better and safer.

chidima2019:
Thirteen insurance companies are qualified to operate in the Tier 1 category as their capital bases exceed the regulatory limits set by the National Insurance Commission of Nigeria (NAICOM).
Experts are of the view that the introduction of the new rules will enable firms take on more risk and reposition them to compete at the global competitive arena. It will be recalled that the commission recently introduced a 3-tier based recapitalisation for the insurance industry.
That means composite insurance companies that are now interested to play in the Tier 1 category are expected to increase their capitalisation from N5 billion to N15 billion, while those interested in the same tier but operating life business are required to recapitalize from N2 billion to N6 billion. Non-life insurers planning to play in this tier are expected to improve capitalisation from N3 billion to N9 billion.
According to an August 8 report released by investment house Chapel Hill Denham, titled “Risk-based Capital: Mergers and Acquisition inevitable” thirteen insurance companies qualify to operate in all the Composite, Life, and Non-Life Insurance business under the Tier 1 category. The investment firm used the latest financial statement of firms- half year 2018- to extract their shareholders’ fund.
According to the report, Leadyway Assurance Company Limited, with a shareholders’ fund of N55.30 billion and solvency margin of 369 percent and AXA Mansard Insurance Plc with shareholders’ fund of N17.51 billion and solvency margin of 117 percent, can operate in the Tier I composite insurance segment.
Firms that qualify to operate in the Tier 1 non-life insurance business are Zenith Insurance Limited with shareholders’ fund of N23.47 billion and solvency margin of 261 percent, Leadway Assurance with shareholders’ fund of N22.58 billion solvency ratio (251); Linkage Assurance Plc with shareholders fund of N20.44 billion, solvency margin (227 percent); Custodian and Allied Plc with shareholders’ fund of N17.46 billion, solvency margin (194 pecent); Wapic Insurance Plc with shareholders’ fund of N15.24 billion, solvency margin (169 percent).
Others that can participate in the segment are: Nicon Insurance Limited with a shareholders’ fund of N14.59 billion, solvency margin (162 percent), AXA Mansard with shareholders’ fund of N14.20 billion solvency ratio (158 percent), Veritas Kapital Assurance Plc with shareholders’ fund of N10.90 billion, solvency margin (121 percent); NEM Insurance Plc with shareholders’ fund of N10.73 billion, solvency margin 119 (percent); and Universal Insurance Plc with shareholders’ fund of N10.41 billion and solvency margin of (116 percent).
Three firms qualify to operate in the Tier 1 Life Insurance business: Leadway with shareholders’ fund of N24.47 billion and solvency margin of 408 percent; FBN Insurance Limited with shareholders’ fund of N10.57 billion, solvency margin of (176 percent); Aiico Life Insurance Plc with shareholders’ fund of N7.34 billion, solvency margin (122 percent), and Mutual Benefit Life Assurance Limited with shareholders’ fund of N7.01 billion and solvency margin (117 percent).
Leadway Assurance, the largest insurer by premium, asset, and total equity qualifies to operate in Composite, Non-Life, and Life Insurance business.

Analysts at Chapel Hill Denham are of the view that the new solvency capital base is positive and they expect it to enhance specialization.

The new solvency requirement has elements of intervention levels and actions by NAICOM, according to the report.

“There are four broad indicators for capital top up requirements for insurers. Going forward, insurers with solvency less than or equal to 130 percent will be regarded by NAICO M as well run on all financial and non financial indicators within acceptable range,” said analysts at Chapel hill in the report.

Insurers that have their solvency margin below 130 percent but greater than or equal to 120 will be required to come up with business strategy to sustain the solvency level, five years cash flow projection and other plans drive by management and NAICOM.
“Insurers with solvency below 120 percent, but greater than 100 percent will be regarded as having acceptable status, but with deteriorating indicators and will be required to inject additional capital to enhance capital base,” the analysts summed.
That means firms like NEM Insurance and Universal Assurance will have to shore up their capital if they are to sustain the Tier 1 status.
Mohammed Kari, commissioner for insurance NAICOM said that the recapitalization is desirable as interest rates and inflation rates have gone up while insurers have been on the same capital base for 10 years.
Analysts are of the view that the latest rules could spur mergers and acquisition in the industry as the country continues to lag South Africa and Kenya in terms of insurance penetration and contribution to the economy.
For instance, Insurance industry premium income of N370 billion is less than one percent of nominal GDP size of 114.90 trillion while industry penetration is 0.32 percent for a population of 200 million.

http://www.akelicious.net/2018/08/13-insurers-qualify-to-operate-in.html

ELKHALIFAISIS:
may Allah incapacitate you so you will be better than me... tozo

ELKHALIFAISIS:
this girl self , what is she trying to reconstruct... can't she manage her disfigured kitten

Alero3Arubi:
I want to rent a shop.
And register a business name.
Would I have to pay tax?