₦airaland Forum

SERIOUS WARNING !!

After seeking the Lord for some days last month being march 2021, I had a dream, and in the dream, horrible things were happening to mankind. While I wondered at what was happening, I heard Ezekiel chapter 7. When I woke up, I quickly rushed to my Bible. And in fact after reading it, I marveled that such a place is in the Bible. Some doubting Thomases may say anything they like, but pls run for your life.

Ezekiel 7 NIV
1 The word of the Lord came to me: 2 “Son of man, this is what the Sovereign Lord says to the land of Israel: “‘The end! The end has come upon the four corners of the land! 3 The end is now upon you, and I will unleash my anger against you. I will judge you according to your conduct and repay you for all your detestable practices. 4 I will not look on you with pity; I will not spare you. I will surely repay you for your conduct and for the detestable practices among you. “‘Then you will know that I am the Lord.’' 5 “This is what the Sovereign Lord says: '‘Disaster! Unheard-of disaster! See, it comes! 6 The end has come! The end has come! It has roused itself against you. See, it comes! 7 Doom has come upon you, upon you who dwell in the land. The time has come! The day is near! There is panic, not joy, on the mountains. 8 I am about to pour out my wrath on you and spend my anger against you. I will judge you according to your conduct and repay you for all your detestable practices. 9 I will not look on you with pity; I will not spare you. I will repay you for your conduct and for the detestable practices among you. '‘Then you will know that it is I the Lord who strikes you. 10 “‘See, the day! See, it comes! Doom has burst forth, the rod has budded, arrogance has blossomed! 11 Violence has arisen, a rod to punish the wicked. None of the people will be left, none of that crowd none of their wealth, nothing of value. 12 The time has come! The day has arrived! Let not the buyer rejoice nor the seller grieve, for my wrath is on the whole crowd. 13 The seller will not recover the property that was sold as long as both buyer and seller live. For the vision concerning the whole crowd will not be reversed. Because of their sins, not one of them will preserve their life. 14 “‘They have blown the trumpet, they have made all things ready, but no one will go into battle, for my wrath is on the whole crowd. 15 Outside is the sword; inside are plague and famine. Those in the country will die by the sword; those in the city will be devoured by famine and plague. 16 The fugitives who escape will flee to the mountains. Like doves of the valleys, they will all moan, each for their own sins. 17 Every hand will go limp; every leg will be wet with urine. 18 They will put on sackcloth and be clothed with terror. Every face will be covered with shame, and every head will be shaved. 19 “‘They will throw their silver into the streets, and their gold will be treated as a thing unclean. Their silver and gold will not be able to deliver them in the day of the Lord’s wrath. It will not satisfy their hunger or fill their stomachs, for it has caused them to stumble into sin. 20 They took pride in their beautiful jewelry and used it to make their detestable idols. They made it into vile images; therefore I will make it a thing unclean for them. 21 I will give their wealth as plunder to foreigners and as loot to the wicked of the earth, who will defile it. 22 I will turn my face away from the people, and robbers will desecrate the place I treasure. They will enter it and will defile it. 23 “‘Prepare chains! For the land is full of bloodshed, and the city is full of violence. 24 I will bring the most wicked of nations to take possession of their houses. I will put an end to the pride of the mighty, and their sanctuaries will be desecrated. 25 When terror comes, they will seek peace in vain. 26 Calamity upon calamity will come, and rumor upon rumor. They will go searching for a vision from the prophet, priestly instruction in the law will cease, the counsel of the elders will come to an end. 27 The king will mourn, the prince will be clothed with despair, and the hands of the people of the land will tremble. I will deal with them according to their conduct, and by their own standards I will judge them. '‘Then they will know that I am the Lord"

GIVE YOUR LIFE TO LORD JESUS CHRIST, THE ONLY TRUE SAVIOUR AND RUN AWAY FROM SINS.

The end is here. We do not have much time to evangelize. Join me in evangelism by sending this information to others.

Maranatha !!

Courtville at .23k, approved a dividend of 3k

When are they paying

https://stocks.nairametrics.com/2021/03/29/2020-fy-results-courteville-business-solutions-plc-posts-profit-of-n153-6-million/

Dsticks47:
Not even death could hold him back after he had made the biggest Investment on the cross that reconciled us as one with him.

May his resurrection power cause us to shine, be fruitful and rise beyond lack.

Happy Easter.

... God bless you

creategist:
But is there any real upside to Universal Insurance going forward though?

You should save that money in Veritas, I think it's performance is better, and still selling at the same price

I met more than 13million courtville buy orders immediately I logged in around 9.32am. Is it possible that they are all today's orders

yMcy56:
COURT VILLE:
Full bid @0.22kobo.........
Now Una no go allow penny stock lovers to enjoy dividend of their commitments......

I bought very little when i saw the rush, ... only to quene up when I saw the news.

This mkt ehh!

onegentleguy:
As @ Q1 2020, we mentioned on several occasions here that the insurance sector will be the next best place to be considering the positive impact recent policy shifts can have on it(planned recap exercise, CBNs dovish stand and other fiscal measures including the finance act of 2020)

I recall that was when I decided to gradually take position in some select names therein. A worthy move was accumulating 5M units each of AIICO, REGENCY ALLIANCE, MUTUAL BENEFITS and ROYAL EX and near 3.5M of LINKAGE for one chief I manage his portfolio seeing he was really quite liquid then. …with the middle 3 coys purchased @ a p/value of 20k, the 1st(aiico) @ a BEP of 61k and the last(linkage) @ 35k it was clear that capital yield can well come from cash flow accruals given they were broadly dividend paying assets.
With a few like REGENCY ALLIANCE having the best HPR with yield (@ circa 15% at the time) and healthy risk-reward ratio (BS position in view), there just couldn’t have been a better time!!
But more often than not, I was criticized each time I mentioned INSURANCE COYS. I remember how I had to leave a what’s-up forum following a rain of insult for daring to recommend 3 coys back then. I was called a chief MH for drawing folks attention to MUTUAL BENEFITS and LASACO after noticing that both coys had just witnessed a turning point(BS and CGP in view) and UNIONDAC for highlighting it as a possible rewarding buy-out candidate(EPA in view).
Most annoying was how the forum moderator (a member here) who was the one that 1st contacted me to join the said platform as an analyst/moderator also joined in the destructive criticism. Funny enough, none of those who criticized me could present proof to counter the analysis I had put up, so I had to leave. Time has since exonerated me!!

This is also part of the problems we face here. …it’s what some worthy members like mcy56, @rabbi, @megawealth and a few others face, and the reason I sometimes prefer to withhold certain sensitive information.
A case in point is JAPAULGOLD. After the coys much debated FP which saw a huddle with ACCESS BANK (then japauloil), I was asked for my opinion on the matter, to which I replied; No comment!!
In truth, I never covered the coy or had it on my watch list. ...but all that changed when a few lines in their report made me have a rethink and after an in-depth review, I reached out to several close pals and some members here(@bumba1234, @billtommy, @ekpotek, @charlesniper, @tradeinvestgal to mention a few) and told them to ACCUMULATE the coy after explaining the reason it was bound to appreciate in price. Most folks I know bought @ 20-23k. As I explained to them then, JAPAUL might not be healthy but 2 things stood out:

1) When u relate the coys current BS position to its SoI and benchmark it against its CF and CGPR potential, REWARD had overtaking RISK and was making a mockery of it.
2) There were some fine lines in between the then released poor financial print that highlights the need to raise funds(EFIR and CBR in view) and signals a strong possibility for a price rise to achieve that aim.

This was even before the name change was announced. I decided against putting it up here knowing what might well be the repercussion but still gave a hint back then. See one such post above with a hint(part in bold… a revert to @oracle)
Earlier today, I read from the sideline and observed some sharp criticisms targeted @mcy56, @megainvest and a few others and I just knew it could’ve been me!! …God, I would’ve been disappointed if after taking out time to put up a comprehensive analysis of JAPAUL here for gratis I got destructively criticized.
I am not highlighting these lines to prove any point or see myself as some sought of semi-god, but to underscore the fact that this forum, this platform CAN BE BETTER!!
We can all make it better and individually grow with it. Yes we can... if we can all stop it with the mockery, ridicule and toxic criticisms and start up building each other... particularly those who go out of their way to encourage, help and sometimes offer healthy and meaningful advice to others including the new ones in our midst without any form of pay/reward. Folks like @Oracle, @bigjay @mcy56, @currentprice, @Obagadafi, @rebakah, @Drawo, @fxuser and many others here deserve no less than a pat in the back and appreciated for all they do.

Understandably, a mix of emotion can take their toil on one and make them have extreme reservation towards certain select asset… perhaps because of their not-so-good experience playing such coys. But its NOT enough reason to hate it or find disgusting the mere mention of it. U can lose money in a coy today, and gain double ur invested capital in the very same coy tomorrow. Ur astuteness, doggedness and willingness to want to learn from the experience and lessons of that failed TRADE/INVESTMENT SETUP is what makes all the difference!!
We all wish to learn. It is often said that the day u stop learning, u stop living!! I personally love to learn. Engage and criticize me constructively and I will love u for it. …am sure the same can be said of many others here.

Some of us don’t like it when we see these bouts of negative comments.(even if it’s not directed at me, I hate it) Yes there might be some folks who give advice having ulterior/selfish motives, but u can tell that there are others who don’t tour that line. Some folks here mean well!!

Personally, I will NEVER put out any write-up with an intent to deceive. …it had, has and will never align with the basic principle that defines my person. For us, we respect and appreciate why the word INTEGRITY came before the duo of MONEY and SUCCESS in the dictionary. Before ever I advice or put up any post here or anywhere else, I must have put it through a thorough scrutiny drawing from several tested analytical models.
My last recommendation here (GSK) followed a proof-test of no fewer than 7 models, 4 of which I personally developed. …the highlight of the coys –EV was just one of the other known 3. As I stated here then; GSK would still be undervalued even @ N15!! (keep a close watch on that coy and do well to align if u are yet to do so)

While there is no such thing as ABSOLUTE CERTAINTY in the investment world, the INTENT 1st, and from there ur zeal/drive and investing strategy is what really matters !!

Now back to the talk on INSURANCE coys...
Let me quickly reiterate what I said here in times past; That sector is worth a % of ur investment capital. That said, a lot should depend on how well u do ur homework. It will require a case by case study of the coys in that index to ascertain the likely big winners in line with the recent recap policy by the regulatory body(Naicom)

A quick guide;
I covered about 20 quoted insurance coys on the NSE: 1- CUSTODIAN, 2- AIICO, 3- MANSURD INS 4- MUTUAL BENEFITS, 5- PRESTIGE, 6- NEM, 7- LASACO, 8- CORNERSTONE, 9- SOVEREIGN TRUST, 10- WAPIC, 11- ROYAL EXCHANGE, 12- VERITAS KAPITAL, 13- REGENCY ALLIANCE, 14- AFRICAN ALLIANCE, 15- NIGER INS, 16- SUNU INS, 17-CHI, 18- LINKAGE, 19- GUINEA INS and 20- UNIVERSAL INS to see how VALUE can be taped.

Of the 20, Nos 4, 2, 7, 9, 10 11, 12(yes I said 12) 13, 17 and 18, carries a greater weight of value drive/prospect given their MoS peg relative to CMP(risk-reward margin in view).

In view of the planned sector recapitalization exercise which will be 2-phased- 50% and 60% of the newly stipulated minimum paid-up capital for insurers and re-insurers respectively by 31st Dec 2020(expect a lot of activities from now till the release of FY2020 FPs to capture the 1st phase) and 100%/full compliance on or before 31st Sep 2021, I see 11 of them; Nos, 1,2, 3, 4, 5, 6, 7,10, 12, 17 and 18 meeting both deadlines and remaining as standalone entities with a 65% probability of acquiring the other 9. …by implication, the other 9 might pass the 1st deadline but could end up been acquired by these 11 and/or other external forces(either from within their in-house core investors or new entrants) or end up merging amongst themselves to form a bigger entity on or before the 2nd/last deadline of Sep 31st 2021.

And Yes there are a few lines to draw these inferences by relating their individual CF stand and SoI to the BS position in their financial prints and bench-marking same against the guideline of the proposed recap exercise.
However, nothing is cast in stone!! …so it’s imperative to remain vigilant and not throw caution to the gallery.

On a side note, those with holdings in No 3 should do well to thread with caution. …especially if u aligned post the bonus issuance but waiting to partake of the planned split exercise. (i.e. If u missed out on the QD of the 1st and is yet to liquidate any % holding). If u fail to extrapolate ur figures well, u might incur a loss post the split. It might be best to gradually follow through with a structured exit plan in time.
Remember that the split will likely create an exponential EM effect (4x price mark up in view)
Like I always tell folks, the increased price peg that follows a split is 88% of the time an overblown reflection of a coys valuation… so there’s often a near 1 prob. that price will fall to mirror the true value of the asset relative to earnings and the perception of market participants thereafter.
The fall though, will depend on the assets proposed factor of X. …that of MANSURED requires a careful breakdown of ur trade/investment setup to avoid a loss.
Note that this is not to say that MANSURED is an unworthy play, but to accentuate the need for carefulness.
If I can elk out the time, I will do an article drawing from an extensive analysis/review of the insurance 20 to further help us with the quest to seek REWARD.

Disclaimer: The part in italics should only be viewed subjectively. …it is NO license to any sought of recommendation. Due diligence still applies as always.
My advice? Pls follow ur instinct.

Selah

Now that dust has settled in this sector, one can easily know the value of each of the companies.

OGG is a nice fellow in deed

Kudos sir

yMcy56:
Compliment of the season Sir.

God bless you for your selfless services here

Heishere:
Courtville to pay dividend. Miracle do happen on NSE sha

http://www.nse.com.ng/Financial_NewsDocs/32701_COURTEVILLE_BUSINESS_SOLUTIONS_PLC%20OUTCOME_OF_THE_MEET.pdf

Hmmmm !!

lavylilly:
probably?

But early last year, zenith and UBN denied involving in this deal.

Do you think they've later agreed?

ILovebigyansh:
zenith is acquiring a major bank soon. Hold on to the stocks.
Don't ask me how i know.

Acquiring UBN?

ENDURE YOUR CROSS

Looking unto Jesus the author and finisher of our faith; who for the joy that was set before him endured the cross, despising the shame, and is set down at the right hand of the throne of God.
Hebrews 12:2 KJV

IT'S HIGH TIME WE CHRISTIANS SHOULD INDEED BE FOLLOWERS OF CHRIST.

If you don't endure your cross, then it's clear that you can't inherit the Glory ahead. According to the scripture above, those who refused to endure their cross and shame are not looking unto Jesus. Therefore, we should be very careful of the Christianity of this endtime, that has entirely removed cross from the race, whereas the scripture made it compulsory.

Luke 9:23 King James Version
And he said to them all, If any man will come after me, let him deny himself, and take up his cross daily, and follow me.

NOTE THAT IT'S A DAILY ACTIVITY. ... SO WHAT DOES THE LORD MEAN BY "TAKE UP YOUR CROSS DAILY AND FOLLOW ME?"

The cross in this context represents suffering, humiliation, torture and even death for the Lord and the Gospel. Therefore as the Lord and his old disciples put their daily self desires, ideas and plans to death, all who desire to inherit the Glory must likewise put all their daily wills that antagonize the will of God to death.
While many dump the little cross they carry, those that understand the dividends of carrying the cross in this faith, go for heavier ones.

2 Corinthians 11:23-28 NIV
Are they servants of Christ? I am more. I have worked much harder, been in prison more frequently, been flogged more severely, and been exposed to death again and again. Five times I received from the Jews the forty lashes minus one. Three times I was beaten with rods, once I was pelted with stones, three times I was shipwrecked, I spent a night and a day in the open sea, I have been constantly traveling. I have been in danger from rivers, in danger from bandits, in danger from my fellow Jews, in danger from Gentiles; in danger in the city, in danger in the country, in danger at sea; and in danger from false believers. I have labored and toiled and have often gone without sleep; I have known hunger and thirst and have often gone without food; I have been cold and naked. Besides everything else, I face daily the pressure of my concern for all the churches.

HEY !! What a heavy cross this man carried in his time. Most times it baffles me how he overlooked business, family, relatives, etc.

ENDURE ANY CROSS YOU ARE CARRING FOR THE LORD AND THE GOSPEL

Let's share the blessings ... together, just send this message to others.

MARANATHA !!

MOGPRAISE:
May God continue to help us to be alert spiritually in Jesus mighty name! Amen

And Amen

... another sudden turn around this afternoon from insurance. Any development

Chibuking81:
For Cham, no surprise is coming from them this time
1. Oct-Dec 1 kobo EPs,
2. Jan-Sept negative (2) kobo EPs,
3. Jan-Dec negative (1) kobo EPs
Company might have negative retain earning in their final year account as the result of previous negative earning, but still declare dividend in that accounting year, through positive EPs, for example if they earn 7 kobo, and declare 2 kobo, the remaining 5 kobo will be retain and will cancel the negative retain earning completely or near to completion. This will show in their following accounting year. So for now Cham PLC don't have what it take to pull up surprise this year, maybe next year.

The surprise will come from insurance companies this time, most especially from two. They started their vehicle with other insurance companies ahead of time, and reverses back, one to car park and the other near to car park. Once the dividend announcement comes out, kilometer 100%/200% they will move. Save this post.
Good morning all.

Those who are sure to an extend of what they said, mentioned the companies names.
If any insurance company do well, no come say na this one I been talk about

Let the Word grow in you

... so mightily grew the Word of God and prevailed

BATTLE OF VOICES ...

https://www.nairaland.com/3560501/holineness-righteousness-revival-messages-bible/30#99441159

THE BATTLE OF VOICES

When the Bible tells us to fight the good fight of Faith, it's not referring to fight with people, cause we fight not with flesh and blood. Apparently, the battle front of voices is one of the battle front of Faith we must conquer.
Everything speaks to us in one way or the other. In fact, our actions and inactions are triggered by voices. The voice could speak audibly to our physical ears or deep inside us. So many people have committed irreparable blunders due to the voice they heard. Since any voice that prevails in you, will automatically control you, it's therefore very important to examine the spirit that speaks inside us and the spirit that's behind people and things that equally speaks to us.

1 John 4:1 NIV
Dear friends, do not believe every spirit, but test the spirits to see whether they are from God, ...

Inasmuch as it important to test every spirit, it is more important to block the entrance of voices of spirits that are not of God, and open more doors for the spirit of God. Some of the ways to win this battle of voices is to watch where we go, from social/cultural gatherings, clubs, get together, parties etc; even most prayer ministries and prosperity churches are to be avoided, in order to avoid stories that touch. What we place our eyes on, matters a lot too, those musicals, movies, etc; should be avoided. Note that to open doors for the voice of the Spirit of God, we should replace those stuffs with studying our Bibles, prayers, listening to holiness and righteousness messages, attending church services, Bible studies, evangelism, etc. Another very important way to close the enemy's voice, and allow the Lord to speak to us expressly, is to separate from some of our closest folks/kinsmen. Below is a typical example ... the LORD didn't speak to Abraham while his herdsmen and his nephew's herdsmen were quarreling, but spoke when Abraham separated from his nephew, Lot.

Genesis 13:14-17
And the Lord said unto Abram, after that Lot was separated from him, Lift up now thine eyes, and look from the place where thou art northward, and southward, and eastward, and westward:
For all the land which thou seest, to thee will I give it, and to thy seed for ever.
And I will make thy seed as the dust of the earth: so that if a man can number the dust of the earth, then shall thy seed also be numbered.
Arise, walk through the land in the length of it and in the breadth of it; for I will give it unto thee.

THERE'S SOMETHING ABOUT ALONENESS WITH THE LORD.

In fact, most of my inspirations come when i am alone with the Lord.

Pass this message across.

MARANATHA !!

currentprice:
keep monitoring ur eyeing stock bumper to bumper till it get to ur target price. no need to rush enter mkt at this time except u are a trader. it not a buying mkt yet. stock will still touch and breaks the feb 10/12 low price of that day

as for me and my household na only two stock i day monitor thru my bedsheet

u don carry enter.

Any of them start with c? I dey watch one company wey start with c, ... them dey fly around with iron birds

megawealth01:
Nobody is talking about ACCESSBANK... I have been buying since... Bought my last order yesterday... E go shock us all

Not a recommendation... I bought it for dividends appreciation... The volumes the last time at #9+ a month plus isn't a JOKE people...

DD applies

Them be dey beg u to talk, but me I know say whether them beg u or not, u must talk when you done buy finish

THE DAY OF REWARD

Revelation 22:12 KJV
And, behold, I come quickly; and my reward is with me, to give every man according as his work shall be.

Judgement awaits everybody. Be informed that how Jacob rewarded his sons in Genesis 49, could, to a little extend be likened to how the Lord will reward us on the judgement day.

Genesis 49:1-10 NIV
Then Jacob called for his sons and said: “Gather around so I can tell you what will happen to you in days to come. "Assemble and listen, sons of Jacob; listen to your father Israel. “Reuben, you are my firstborn, my might, the first sign of my strength, excelling in honor, excelling in power. Turbulent as the waters, you will no longer excel, for you went up onto your father’s bed, onto my couch and defiled it. “Simeon and Levi are brothers—their swords are weapons of violence. Let me not enter their council, let me not join their assembly, for they have killed men in their anger and hamstrung oxen as they pleased. Cursed be their anger, so fierce, and their fury, so cruel! I will scatter them in Jacob and disperse them in Israel. “Judah, your brothers will praise you; your hand will be on the neck of your enemies; your father’s sons will bow down to you. You are a lion’s cub, Judah; you return from the prey, my son. Like a lion he crouches and lies down, like a lioness—who dares to rouse him? The scepter will not depart from Judah, nor the ruler’s staff from between his feet, until he to whom it belongs shall come and the obedience of the nations shall be his ...

MAY YOU BE REWARDED LIKE JUDAH IN JESUS NAME.

Share this with others.

MARANATHA !!

megawealth01:
Time will tell if anything is cooking in UBN sha

... seconded

jamace:
*NIGERIA’S TOP TEN COMPANIES*

*Top 10 Banks on the NSE by Market Cap as at 5th Feb. 2021*
GT bank – N1.06trn
Zenith – N816.3bn
Stanbic – N499.8bn
Access Bank – N303.9bn
UBA – N288.9bn
First Bank – N260.2bn
Union Bank – N168.9bn
ETI – N110.1bn
Fidelity Bank – N72.4bn
FCMB – N63.4bn

*Top 10 sectors in Nigeria with highest foreign inflows in 2020*
Banking - $3.75bn
Financing – $1.89bn
Shares – $1.85bn
Production – $913.9m
Telecomms – $417.5m
Agriculture – $324.6m
Trading – $287.9m
Service - $68.4m
Oil & gas – $53.5m
Brewering – $30.4m

*ICT companies on the NSE by Market Cap as at 5th Feb. 2021*
MTN – N3.7trn
Airtel – N3.5trn
E-transact – N10.5bn
CWG – N6.4bn
Chams – N1.2bn
Courteville – N746m
Omatek – N588m
Tripple Gee – N371m
NCR Plc – N370m

*Top 10 Insurance Companies on the NSE by Market Cap as at 5th Feb. 2021*
Mansard– N46.8bn
NEM – N25.1bn
AIICO– N25bn
Coronation – N13.7bn
Cornerstone– N11.8bn
Prestige – N6.4bn
Linkage Assurance– N6bn
African Alliance – N4.9bn
Consolidated Hallmark– N4.9bn
Staco – N4.5bn

*Top 10 most capitalized companies on the NSE as at 5th Feb. 2021*
Dangote Cement – N3.9trn
MTN – N3.7trn
Airtel – N3.5trn
BUA Cement – N2.7trn
Nestle – N1.1trn
GTB – N1.06trn
Zenith – N816.3bn
Stanbic – N499.8bn
Nig. Brew – N487.8bn
Lafarge – N429.3bn

*Top 10 Manufacturing companies (Consumer goods) by Market Cap as at 5th Feb. 2021*
Nestle– N1.1trn
Nigerian Brew– N487.8bn
Dangote Sugar– N243bn
Int’l Brew– N166.5bn
Flour Mills– N129bn
Unilever– N84bn
Nascon– N43bn
Guinness– N42bn
PZ Cussons– N22.4bn
Champion Brew– N22bn

*SOURCE: Nairalytics*

God bless you

megawealth01:
Na so they did with ACCESS then... I definitely know they have games together

Godisfaithful:
Power is changing hand with money

... wise to book seat now?

LOVER'S DAY ...

https://www.nairaland.com/3560501/holineness-righteousness-revival-messages-bible/30#98875507

It is called Valentine's/lover's day. A day married men and women show unique affection to each other. Men and women take themselves out that day, immoral ones fornicate and commit extra marrital affairs, while the moral ones share gifts, caring, etc. All in the name of LOVE. Apparently, what some people understand as love is merely the OPPOSITE. While what many others think is love, is only a component of it. Inasmuch as love is incomplete without giving, whatever anyone can give is only a component of love. It is obviously abnormal to buy spare tube and tyre, when you've not bought a car.

1Corinthians 13:3 NIV
If I give all I possess to the poor and give over my body to hardship that I may boast, but do not have love, I gain nothing.

SO, WHAT IS LOVE AND HOW DO I KNOW I HAVE IT?

Corinthians 13:4-8 NIV
Love is patient, love is kind. It does not envy, it does not boast, it is not proud. It does not dishonor others, it is not self-seeking, it is not easily angered, it keeps no record of wrongs. Love does not delight in evil but rejoices with the truth. It always protects, always trusts, always hopes, always perseveres. Love never fails.

LOVE IS SIMPLY THE NATURE OF GOD. AND HAVING THE QUALITIES ABOVE MEANS THAT YOU HAVE LOVE/THE CAR. YOU CAN NOW INDULGE IN GIVING AND CARING WHICH ARE THE COMPONENTS OF THE CAR. THE SCRIPTURE BELOW PROVED THAT GOD LOVED, BEFORE HE GAVE. SO GIVING WITHOUT THE QUALITIES ABOVE IS WASTAGE. However, don't castigate those that are still struggling with some of the qualities ... pray for them.

Even when you give, the objective of your giving is very very important. Don't release any gift or care that will hinder someone's salvation.

John 3:16 KJV
For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.

God is Love. As a child of God, be like your father.

SHARE THIS ARTICLE WITH OTHERS.

Maranatha !!

75,000,000 UBN again

What's cooking

Pls is anyone aware of anything behind sudden Union bank 75,000,000 units resent daily transfers

samguru:
Yes ooooo

I bought the private placement at #3.50 and now they are giving me 35k.

No qualms sha,half bread is better than puff puff

Pls get me informed when they start paying

OBAGADAFFI:
Union Diagnosis will be delisted

We bought their private placement those days. How will they delist without paying us the robbery buy back price of .35k