Q4 Nigerian Strategy Report: Pathway in turning tide

Q4 Nigerian Strategy Report: Pathway in turning tide

Crude Oil: Will crude oil ‘roller coaster’ linger?

Crude oil market rebalancing in the third quarter of 2017 was ahead of our forecast, as US oil production was partially disrupted by the Hurricane while OPEC stuck to its pact. For context, at the start of the quarter, we had forecasted a slower rebalancing of the crude oil market with excess supply projected to decline to 100kbpd (Q2 17: 400kbpd). This view was hinged on quick increases in shale production, which we expected to moderate the impact of rising demand and OPEC’s production cut.

Irrespective, the impact of hurricane on production made our earlier call look too pessimistic, after having stoked a faster than expected rebalancing. Precisely, crude oil market switched to a deficit in the quarter (-160kbpd) to drive a bull run in the commodity price.

Further examination of the crude oil market reveals increases in global crude demand over the review period to 98.9mbpd (1.6% QoQ) largely reflecting growth in the OECD region (2.0% QoQ to 47.6mbpd). The growth was driven by rising European demand, a reflection of positive vehicle sales, combined with increases in demand stoked by the re-opening of US refinery.

Nonetheless, demand was relatively sticky in China and India as economic recovery remained slow. At the other end, the market witnessed increases in supply (1.0% QoQ to 98.7mbpd), but the momentum was slower than earlier expected. For us, the mild increase in supply was on the back of further crude production cut by Russia as well as slower than expected rise in US shale activities. Specifically, following Hurricane Harvey which led to a 186kbpd unplanned production outages, US’s supply came in only slightly higher relative to prior quarter (+280kbpd).

This, in addition to the 300kbps cut in Russia’s production, was enough to offset the impact of a rise in OPEC’s supply that was triggered by higher supply from previously battered members: Nigeria (+176kbpd) and Libya (+230kbpd). On balance, a tamer crude supply picture (relative to demand) led to the much-needed rebalancing in the crude oil market in the review period.

View full Nigerian strategy report here

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Source: Articles

9 interesting running facts

9 interesting running facts

Whether you are a first-time runner, or you’ve been running for years, some of these facts about running will interest you.

FACT 1

Even if you’re a slow jogger, you’ll burn at least 10 calories per minute of running. That means you can hope to run off that block of chocolate you ate in less than 23 minutes.

FACT 2

Over 1 billion pairs of running shoes are sold world-wide each year. Oh, I hope you’ve bought your running shoes for Run for the Future 5? Best to be prepared on time.

FACT 3

Athletes dressed in red are more likely to win events than athletes wearing any other colour. Does this mean we’ll be seeing you in red on that day?

FACT 4

12 of the world’s top 20 distance runners are members of the Kalenjin tribe of northwest Kenya. You won’t be seeing the Kenyans at the run, meaning you have an even greater chance of winning cool prizes.

FACT 5

The youngest marathon runner is Budhia Singh who completed 48 marathons by age 5. The oldest person to complete a marathon was Fauja Singh from India, he was 100 years old at the time. Even more interesting is the fact that Fauja didn’t start running until he was 89 years of age. It’s never too late. Start with this run/walk.

FACT 6

Music can boost your running performance by up to 15%! But if you fall under number 2, 3 or 4 of our six types of runners breakdown, you may not be needing music after all.

FACT 7

Did you know that eating baked beetroot can improve your running performance? Now beetroot might not be your idea of a yummy snack before a run/walk, but if it gives you that Usain Bolt kinda rush, why not?

FACT 8

Stretching before a run will make your body less efficient making you unable to run as far. Just like every other workout, it is best to start out with a dynamic movement sort of warm up. And guess what? We have just the right kind of fun warm ups for you on D-day.

FACT 9

According to research, running is an excellent way to increase your creativity and boost your productivity at work. The work week right after RFTF 5 suddenly looks super productive!

It’s four weeks to Run for the Future 5. If you haven’t registered yet, what are you waiting for? Register here now.

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Source: Articles

In the news: Pension assets rise to N7tn

In the news: Pension assets rise to N7tn

Punch

2017 budget: Reps raise concerns over 15% capital releases

Members of the House of Representatives are unimpressed with what they term “poor capital releases” for the 2017 budget just as President Muhammadu Buhari is set to lay the 2018 estimates before the National Assembly.

BVN court ruling: Bank heads to meet, Nigerians in diaspora kicks

Company secretaries and legal teams of 19 Deposit Money Banks in the country will on Tuesday hold an emergency meeting to fashion out modalities to comply with a court order directing commercial banks to freeze bank accounts without the Bank Verification Number and publish names and details of the customers.

Pension assets rise to N7tn

The total assets under the Contributory Pension Scheme rose to N7.09tn as of the end of August, this year.

Kaduna refinery dormant, PH, Warri producing below 30% — NNPC

The latest monthly oil and gas report released by the national oil firm showed that the cumulative capacity utilization of the nation’s three refineries dropped further from 12.73 per cent in June to 11.94 per cent in July 2017.

Skye Bank, First Bank to take over Evans Medical

Evans Medical Plc, on Friday, informed its shareholders and other stakeholders as well as the Nigerian Stock Exchange of the move by Skye Bank Plc and First Bank of Nigeria Limited to take over the company.

This Day

Dangote Cement Controls 65% Market Share

Dangote Cement, with plants spread across Africa,   has maintained its dominance in the Nigeria domestic cement market accounting for 65 per cent of the Nigerian market volume.

CBN Sells N140bn Treasury Bills

The Central Bank of Nigeria (CBN) last week auctioned treasury bills worth N133.79 billion via primary markets.

Nigeria’s Fixed Income Market Records N103 Trillion in 9 Months

The value of investments in the Nigerian fixed income market in the first nine months of 2017 is put at N102.88 trillion.

MTN, Airtel, ntel, 13 Other Firms Scramble for 9mobile

The scramble to acquire 9mobile, Nigeria’s fourth largest network operator, promises to be very competitive, as 16 firms have submitted expressions of interest (EoIs) to Barclays to bid for 9mobile.

DMO Clarifies Position on $5.5bn Proposed External Capital Raising

The Debt Management Office (DMO) has clarified the plans of the federal government to source funds from the international financial markets.

Vanguard

CCNN Plc: Stock rebounds, but below expectations

In a series of rebounds recorded by early birds in  the nine-months 2017 financial results season, stocks of Cement Company of Northern Nigeria Plc, CCNN, returned to double digit last weekend on the strength of the impressive results it announced that day.

Lafarge rebounds to profitability, to list N25bn commercial paper this month

Lafarge Africa Plc has returned to profitability and has concluded plans to issue N25billion in Commercial Papers from a  60billion programme in October and list on the Financial Market Derivative Quote.

Wema Bank secures shareholders approval for capital reduction

Shareholders of   Wema Bank Plc have approved the plan by the bank to reduce its share premium capital by N40.172 billion to N8.698 billion from N48.870 billion.

The Nation

NSE downgrades 7-Up from special pricing status

The Nigerian Stock Exchange (NSE) has downgraded Seven-Up Bottling Company Plc from its special pricing status category following the depreciation in share price of the company.

World largest brewer gets shareholders’ approval to merge Nigerian subsidiaries

Shareholders of three Nigerian subsidiaries of Anheuser-Busch InBev have approved the plan by the world largest brewer to merge and consolidate its Nigerian businesses under a publicly quoted entity.

Guardian

Zenith, others lift NSE’s volume as investors stake N14b in equities

Heavy transactions in the shares of some banks, especially GTBank and Zenith Bank, last week, lifted the volume of shares traded.

Reuters

BW Offshore wins 4-year contract extension offshore Nigeria: Sendje Berge Limited, a subsidiary of BW Offshore Limited, has now agreed terms of a contract extension for the FPSO Sendje Berge with Addax Petroleum Exploration (Nigeria) Ltd on the Okwori field offshore Nigeria which have been duly submitted to relevant Nigerian Authorities for their review and approval.

 

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Source: Articles

In the news: NSE’s market capitalization depreciates

In the news: NSE’s market capitalization depreciates

Punch

House probes TCN’s $1.5bn, $500m foreign loans

The House of Representatives has queried loans totaling $1.5bn taken from foreign creditors by the Transmission Company of Nigeria.

World Bank: We’re on the same page with FG on borrowing

The World Bank says it is not in disagreement with the Federal Government on the need to borrow to finance infrastructure.

Agip pushes ahead with 150,000bpd refinery plan

The Nigerian Agip Oil Company, a subsidiary of Italian oil major, Eni, said it had begun feasibility studies for the construction of a new 150,000 barrels-of-oil-per-day refinery in the Niger Delta.

Intels: Reps ask NPA to reverse contract termination

The House of Representatives on Wednesday asked the Attorney-General of the Federation/Minister of Justice, Mr. Abubakar Malami, and the Nigerian Ports Authority to reverse the termination of the logistics contract between Intels Nigeria Limited and the NPA.

NSE suspends trading on Oando shares

The Nigerian Stock Exchange on Wednesday has said that it has suspended trading in the shares of Oando Plc from October 20, 2017.

This Day

Customs Revenue Fraud: N140bn Recovered From Erring Firms, Banks, Says Senate C’ttee

The Senate Joint Committee on Customs, Excise and Tariff and Marine Transport has disclosed that about N140 billion has been returned to the coffers of the government by firms and banks found culpable in its investigations into revenue leakages in the Nigeria Customs Service.

Kachikwu, Baru Meet Osinbajo on Zabazaba Oil Field, Other Industry Issues

Away from the raging controversy over contract award and appointments in alleged breach of due process, the Minister of State for Petroleum, Dr. Ibe Kachikwu and Group Managing Director of Nigeria National Petroleum Corporation (NNPC), Dr. Maikanti Baru, wednesday met Vice President Yemi Osinbajo in the State House, Abuja.

FG Cautioned on Use of Corporate Tax Incentives to Achieve Projects Implementation

The Civil Society Legislative Advocacy Centre (CISLAC) has cautioned the Federal Government to avoid institutionalizing a policy of granting long-term tax incentives to corporate businesses to achieve project implementation.

Telcos Challenge NCC to Lead Mobile Money, Cashless Initiative

Telecommunication Operators (Telcos) have called on the Nigerian Communications Commission (NCC) to take urgent steps to lead the mobile money and cashless initiative in Nigeria.

Guardian

NSE’s market capitalization depreciates further by N9.7b

Transactions on the trading floor of the Nigerian Stock Exchange continued on a downturn trend yesterday, as virtually all the blue chip companies depreciated in price, resulting to a further decline in market capitalization by N9.7 billion.

NBET pays N10.8b to Gencos for electricity delivered in July

Nigerian Bulk Electricity Trading Plc. (NBET) has paid the Electricity Generation Companies (Gencos) the sum of N10.825 billion out of the total invoices of N45.24 for the energy delivered in July 2017.

The Nation

NLNG pays $4.1b taxes to govt

The Nigerian Liquefied and Natural Gas (NLNG) Limited has, in the past six years, paid $4.1billion in taxes, including Company Income of Tax (CIT), to the Federal Government.

Business Day

Indigenous oil firms step up production by 200% in June

Sixteen Nigerian indigenous oil producers who operate in partnership with international oil companies called independents, accounted for over 7.486 million barrels of crude oil in June.

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Source: Articles

How We should think about money- Busting Money Myths (2)

How We should think about money- Busting Money Myths (2)

In the previous edition, we discussed popular money myths that have governed our financial philosophy and hampered our desire for financial freedom.

It is important to realise that money is basically a tool and the results it yields depend largely on how we use it.  Financial decisions, little or great, must be well informed and thought-out, factoring the future, near and far. By taking control of your finances, you can work towards financial freedom, regardless of your background or status. The following are critical factors to consider in shaping our philosophy about money and positioning ourselves for financial growth.

  • How many income sources do you have?

You need to have revenue before considering financial growth. The first key factor to consider is your income source. How consistent is your income? Are there opportunities for extra income worth pursuing? An extra income source is always a plus on the journey to financial freedom.

  • Are you living above your means?

If you are spending as much as you are earning, you are living above your means. To attain financial freedom, you need to segment your revenue to leave room for savings alongside catering to your needs. Warren Buffet advices that we spend only what is left after we have saved.

  • Do you have achievable financial goals?

What are your financial goals? To buy your own home or raise capital to start your business? Whatever it is, ensure that your goals are SMART – Specific, Measurable, Attainable, Realistic and Timely. It is also wise to have a trackable plan towards achieving your goals.

  • Do you have a financial plan?

Everyone should have a financial plan, both short term and long term. A financial plan helps you manage your finance by giving you a clear picture of what you have, what you need and what you will do to get what you need. If you require further knowledge about financial plans and how to create one, contact us to speak to a professional financial adviser.

  • What is your attitude to debt?

Except in situations where it is tactical and strategic (for the purchase of an asset), borrowing is often a pit as it deducts from your future revenue before it even arrives. As much as possible, work towards managing your finances without resorting to loan, especially personal loans.

  • What is your attitude to investments?

Savings is good and is essential for anyone pursuing financial freedom. Investments are however one step ahead of savings your money is not only preserved but also grown. Depending on your risk appetite, financial plans and goal, invest in asset classes comfortable for you.  You could consider treasury bills, stocks, bonds, mutual funds or even real estate.

  • What is your retirement plan?

It is never too early to start preparing for retirement, especially if you hope to retire rich. Setting aside a sum every month to your pension is an investment in the future. Where possible, consider Additional Voluntary Contributions for increased retirement savings and reduced tax load.

  • Are you covered?

As you advance in life, financially and otherwise, it is important to consider insurance options available to you. Insurance helps guide against unnecessary loss in the face of unplanned circumstances and ensures our families are protected, should anything happen to us. As your assets and wealth increase, estate planning is an option you should consider. Wills, Trusts, and other estate planning instruments leave your assets and loved ones protected without hampering the growth of your investment.

Conclusively, financial freedom is attainable and worth striving for. Give it a try this new year, change your orientation about money and choose to become the master of your money, deliberately putting it to use. You will be amazed at the growth you will record as the year progresses.

Should you require further information, write to us at [email protected] or connect with us on social media- Facebook, Twitter, and LinkedIn. You can also call 0700 CALLARM (0700 2255 276) or visit our Investment Center nearest to you.

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Source: Articles

4 reasons to get life insurance

4 reasons to get life insurance

The topic of getting life insurance is one you may not want to talk about. But because it is important that you ensure the financial security of people that depend on you, it is worth dealing with.

First, let us break down why you need one.

If you’re a breadwinner, you need a life insurance

Let’s be real, if you are the main financial backbone in your family and anything happens to you, your partner, children and anybody else that depends on you, will probably suffer financially. This is one of the major reasons people get life cover; to ensure a safety net for their loved ones in the face of unforeseen circumstances. With the rising cost of education, you can ensure that your kids will still be able to get the education they deserve should the worst happen.

It is not anticipating bad omen. It is simply facing reality and planning for it.

Got loans?

This is one that you might not have thought about. What becomes of your family if you have taken a loan or got a mortgage and something happens to you and there is no one to pay it off? Proceeds from your life insurance policy can be used to settle these loans ensuring that if the worst happens, your family doesn’t have an additional debt to deal with.

Single but responsible

Now, being single doesn’t mean you don’t have anyone that depends on you financially. It could be an elderly parent, sibling or relative. Having a life cover will make sure that these people you care about will be taken care of regardless of your presence, giving you and them peace of mind.

If you need to take care of future medical expenses

If you can’t predict the future, then you never know what may happen. A life protection plan comes in handy in the event of injuries, accidents or terminal illnesses which may prevent you from working. It saves you and your loved ones from unplanned and expensive medical bills.

While life insurance protects your family in the event of uncertainty, there are also lots of other benefits to getting one. Haven’t already taken out a life insurance? It’s not late.

Get in touch with us today via [email protected] to discuss your options.

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How we think about money- Busting Money Myths (1)

How we think about money- Busting Money Myths (1)

Money is one of the few things everyone never stops thinking about. We are either thinking of how we need it, how to get it or what to do with it. Our world view, orientation to life and many other factors contribute largely to our perception of money. It begins with watching our parents handle their finances to the books we read and the experiences that shape our life. Largely, many of us have come to believe popular money myths and have taken financial decisions based them.

Which of these myths do you agree with?

–          If you earn more you will be rich

–          My partner will always take care of me

–          Inflation is not a significant problem

–          Women are not good with numbers

–          Money can’t buy happiness (neither can poverty)

–          If you work hard you will be rewarded financially

–          Having money means having fewer worries

–          Financial matters are too complicated to understand

–          Financial planning should be left to the experts

–          Credit makes purchasing easy

–          Money is the best indicator of success

They are not altogether untrue but they are also not credible enough to form the basis of the financial philosophy from which we take financial decisions.

For instance, the assumption that earning more will culminate into wealth is probable until you consider factors like inflation and increase in family size/cost of living alongside increase in income.   While many married women, perhaps even men, rely on the joint force of their spouse’s income combined with theirs to make financial projections, occurrences like job loss, loss of affection or even like divorce or demise easily change the tide.

Recent experiences in the country have more than proven that inflation can quickly reduce the value of money, making a sum that would have been abundant less than enough. Women all over the world are successfully steering the financial wheels of large organisations, easily debunking the myth that women are poor money managers. Can money buy happiness? That depends largely on what happiness means to you. Whether money can reduce your worries or not is a function of the kind of worries you have. Your definition of success determines the possibility of being an indicator of how successful you are. While many have built conglomerates on borrowed funds, many have also dug their way into burdens of endless debts.

We could go on about the myths and it will only get clearer that these assumptions are hardly the foundation for financial freedom. Issues regarding finances are not too complicated for everyday people to decipher neither should we make financial decisions haphazardly.

In the next edition of these series, we will pinpoint critical factors to consider in our relationship with money, with regards to achieving our financial goals.

Should you require further information, write to us at [email protected] or connect with us on social media- Facebook, Twitter, and LinkedIn. You can also call 0700 CALLARM (0700 2255 276) or visit our Investment Center nearest to you.

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Source: Articles

Abu’s journey (4): Get rich, stay rich

Abu’s journey (4): Get rich, stay rich

In Episode one, Abu was just passing out from the compulsory 3-weeks orientation camp. Episode two sees him counting the days until NYSC is finished. In Episode three, Abu goes full mode job seeker. Now in this episode, the job market tide turns favourably for Abu. Read on…

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Work had started in earnest for Abu and he was enjoying every bit of it. The first week, all official bits with Human Resources had to be taken care of. While other new intakes searched the ceilings when it was time to choose their Pension Fund Administrators (PFA), Abu proudly filled out his ARM Pensions form. He has had this company on his radar since his days as a youth corper when their Job hunter series kept him company and he saw himself doing great things with them.

The second week, pure engineering work began. Understanding the job description wasn’t an uphill task for Abu who had wanted this for too long. In the few days he had been at work, his superiors were already noticing him. His constant volunteering for tasks, asking relevant questions and making sure every ‘T’ was crossed and every ‘I’ was dotted made him ‘special’ in the eyes of his managers. But it was still too early to judge, so they all silently watched and scored him behind the scenes.

The first 3 months came and went too fast for Abu. He had spent most of it getting used to work, studying his managers, knowing his way around work and plotting his next move to claim Yinka for himself for good.

Stoneface, his friend with the permanent frown came in handy for the plan to win Yinka. Stoneface’s uncle owned a big advertising firm in Lagos and he had resumed there after his service year. Now, Abu needed a favour from Stoneface and he called it in.

Stoneface had no qualms about it. He spoke to his uncle about a certain brainbox named Yinka who would take his Creative department to another level with her copywriting skills. Intrigued, his uncle demanded to see her work samples which Stoneface fished out from her portfolio on LinkedIn. Mr. Lukman perused these creative pieces for one week and decided that this talent was worth wooing.

So, he made the call.

When Mr. Lukman mentioned his name, Yinka couldn’t believe it. She couldn’t understand how a company CEO would call when his company had a Human Resource department. But seconds into the conversation, she realized it was no prank. She quickly sat on the edge of her seat and instantly began to stutter.

“Can you come to the office for an interview next week Friday?” he asked. “Yes, sir. Of course, sir. Definitely sir. Thank you sir” she rambled on. “Okay great. See you then.” And the line went dead.

Yinka stared at her phone. “What just happened?” she thought. Then as if on autopilot, she dialed Abu. “Abu, you can’t guess who just called me.” She rushed on. “Who?” Abu asked.

“The CEO of ThinkIt advertising. Can you believe it? He wants me to come to Lagos for an interview” Yinka said excitedly.

“Wow”, Abu said feigning ignorance. “Babe, you don turn superstar o.” “Ha, me sef I no understand this miracle” continued Yinka.

“But will you come?” Abu asked. “Before nko. Is it this 70k they are paying me here I will survive with? Omo, no dulling o” answered Yinka.

Abu smiled knowingly. His game plan was in place.

But he had some big plans to make. If he intends to give Yinka the life she wants, he better begin planning towards it.

With this thought in mind, he turned to investment options. With his investment growing surely and steadily, and his retirement savings account maturing with each quarter, he was sure he had started off right.

Strides into the future

Everything happened too fast for Yinka. Looking back, she couldn’t believe she now worked as Senior Copywriter for ThinkIt Advertising, a position she earned after 4 years of blazing trails. Her baby’s cry brought her back from la-la land and she smiled as she picked little Ahmed up with care not to wake his twin sister Hadizat. He was the spitting image of his dad and Abu always made sure he sang it out loud everywhere he went.

Abu not only took pride in the family he has but also in his consistent climb up the career ladder. In four and a half years, with several professional trainings abroad, a few big oil and gas companies made moves to poach him. He finally settled with DKY Oil and Gas where he became a ‘big boy’ earning a 7-figure salary with mind-blowing benefits.

Having learned all there was to know about wise investments and how it ensured a financial future from ARM, Abu took the big step. He went into real estate investing along with his wife.

He was living the dream and didn’t need any unforeseen interruptions especially regarding the future of his children. So, when Yinka suggested an education savings for their two children, Abu was on board. He was all for plugging every leak after all.

(Will anything happen to stagger this beautiful life that Abu has built? Find out in next week’s episode of Abu’s journey)

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The Girl Child – A beacon of hope

The Girl Child – A beacon of hope

They are the smiling faces that peddle wares while their mates are in the classrooms. They are the victims of sexual violence and rape you read about in the papers. They are the bodies that birth the future. They are the trail-blazers in decision making positions. They are more than the weaker sex. They are women who were once girls.

This October 11, the world celebrates the International Day of the Girl Child. A day that recognizes the right of girls, the unique challenges facing them in actualizing their dreams and to promote their empowerment to fulfill their human rights and compete favorably with their male counterparts.

It is a fact that 43 percent of Nigerian girls are married off before they are 18 years? These girls become women even before they have been given the chance to be girls. What if they had been allowed to go to school to the level they wanted and make decisions for their own lives?

What if the decisions they make would bring a turning point to their families and the world as a whole? A lot of what ifs…

Education is the basic right of every human being irrespective of gender. But sadly, research has shown that Nigeria holds the global record of the highest number of children out of school with a huge number of 10.5 million children most of which are girls.

According to statistics from UNESCO, improvement in girls’ education saved 2.1 million girls under the age of five between 1990 and 2009. This shows that education is crucial in equipping the girl child with the needed knowledge and power to become all that she can be.

As a parent, education is a worthy investment that you can make in the life of your girl child to prepare her socially, morally and politically for the future no matter what it takes for her to get there.

Every additional year of schooling for the average girl child increases her earning potential giving credence to the saying that empowered girls are a sure way to breaking the cycle of poverty for families in Nigeria and all over the world.

Join us on this week’s episode of ARM Life Living Benefits show as we look at issues that affect the girl child and how to deal with them. There is a gift voucher to be won at the end of the show. Look forward to it!

 

 

 

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Six types of people you see at a run

Six types of people you see at a run

It’s run day and people gather in their numbers. On your mark, get set, go! They take off. Each towards their own specific goal for participating.

Let’s group our runners in categories based on specific running goals:

 

Those who came for the snacks:

Yipee! There will be free snacks and these lot are not missing out on it. What is life without freebies?

Those who came to network:

For these ones, there’s no better place to find connections and make new friends. They come armed with their phones, business cards and enthusiasm to collect numbers.

Those who came to find bae:

It’s possible that good old cupid shot his love arrow into the crowd of marathon runners and these ones are set to find their own match. They run with vigilance inspecting their love interest with every mile. Once they find chemistry, the rest of the run is history.

Those who came to look for work:

If ARM Pensions is organising the Run For The Future run/walk, there has to be company executives present right? These job seekers come ready for an on-the-run interview. Since they’ve not gotten any response from all their LinkedIn effort, a physical casual meet may work.

Those who are just bored at home:

These ones live for fun. They’ve probably seen Season 7 of Game of Thrones and every other exciting series available and have no hope of excitement for the weekend… But they need some fun and adventure. What better way to have these than at ARM Pension’s Run For the Future?

Those who came to win:

These go-getters have only one goal. They came to play and win. From the first step, their eyes are on the prize. They are possibly team ‘fitfam’. These are the ones you see with earphones and absolute focus as they launch giant strides after another. They overtake and conquer.

Which category do you fall under?

 

If you haven’t done so already, you can still register here! www.armpension.com/rftf

 

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