In this issue: Internal Newsletter | April 2019 A moment with Ronald J. Samuels: Botswana Life CEO Congratulating New BLIL CFO P50K impact for Cwaanyaneng Know Your Facts - Autism DIY Pallet Wine Rack Detox Smoothie that actually tastes good!
Stronger Together Stronger Together | 2 4 CEO FOREWORD: 6 Catching-up with Botswana Life CEO 10 Thirteenth Cheque 11 EOfficettiquitte Tips 11 BIHL VALUES 12 Technology & Innovation : your gateway tothe future 14 DIY Pallet Wine Wrack 16 Travel Insurance 24 Detox smoothie that actually tastes good! 19 Welcoming New Chief Finance Officer 20 BIHL Trust Lights It Up Blue For Autism 22 Prize!TakesCwaanyanengHomeThe TABLE OF CONTENTS
3 Stronger Together | 3 P53, 671.88 Classic Run registration proceeds were donated to Cancer Association of Botswana and Diabetes Association of Botswana 48 Students Sponsored from Shadi Shadi Primary school for their first cinema experience P32 500.00 Sponsorship towards 75 intern graduate doctors scrubs or gear. EquipmentKitchen Purchased for Linchwe Junior School in Mochudi (School admits the visually impaired) LiteracyFinancial Programme on its 3rd year on RB2 every Tuesday from 1330-1400 P1.5 Billion Claims and benefits paid to clients in 2018 Training of BAA Route markers by an IAAF A-Grade Course Measurer trainer, Mr. Norrie Williamson 5 Houses Handed over through our CSR initiative Life Insurance Profile 2018 ImpactsSociety P89, 546, 921 Total Tax Paid out in 2018
Catherine Lesetedi GROUP CEO, BIHL
FOREWORD:CEO’S
Stronger Together
5 Stronger Together | 5 I am excited to present our refreshed core values that speak to our hunger to evolve & stay relevant in an ever-growing industry. Collaboration, Agility & Innovation, Corporate Citizenship, Customer Centricity and High Performance are the values we must keep at the forefront in order to enter into all that we envision ourselves becoming. These speak to how we interact internally and to our partners, our courage to try new things, how we strive to uplift the communities in which we do business, keeping customers at the forefront and our appreciation for a culture of high Inaccountability.thisissueof Stronger Together we explore the art of innovation. It is in our nature to be afraid of change, we would therefore rather do the known to protect ourselves from the unknown. However, with change comes new ideas, that will set us apart from the rest and make us stronger. It seems like just yesterday when we crossed over into the new year, but the second quarter of the year is already upon us. I encourage all of you to start embracing new ideas and changes that come in both your professional and personal lives. British author, C. Clarke said, “The only way to discover the limits of the possible is to go beyond them into the Youimpossible.”canalso look forward to a one on one interview with the new Botswana Life Insurance CEO Mr. Ronald Samuels. Go on,and try your hand at the cucumber ginger detox smoothie recipe we have included in this newsletter, or make your own pallet wine rack using the steps provide in this issue. Change is how we grow and if all get on board- it will make us stronger together. Our cOre values BIHL’s strategic foundations are meant to give direction and define the tone and strategic change agenda for the group cOllabOratiOn Working equitably towards a common goal with mutual trust and solidarity. We will leverageour collective talents, synergies and experiences to bring greater value to one another and those we serve agility & innOvatiOn Embedding a focus on cross-functional synergies, transformation integrated realtime service delivery and product agility for our clients cOrpOrate citizenship Adhering to the highest standard of corporate governance, social and ethical responsibility and accountability to our clients and shareholders custOmer centricity Building new, and deepening existing institutional and retail relationships by enhancing the customer experience across the Group high perfOrmance Creating a high performance culture that promotes work-life balance, personal growth, diversity and passion. We recognize the need to continuously excel, execute with speed and agility and serve with distinction I hope you enjoy your read!
Ronald Samuels ChiefOfficerExecutive
Who is Ronald James Samuels?
A MOMENT WITH RONALD J. SAMUELS
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On the 1st of November 2018, Botswana Life brought on board a new Chief Executive Officer, Ronald James Samuels. Known around Botswana Life corridors as ‘Ron’, he boosts an impressive experience of over 26years in the insurance industry. We caught up with Mr. Samuels to know him a little better aside his formal profile.
What is your favorite past time? Aside from spending time with my family, I strongly believe in self-actualization and utilize the little free time I have in learning new things.
I am seasoned business man with vast experience of turning around companies to realize profits. I pride myself in creating a work force that foresights the future and strongly believe I bring the best out of the teams I work with. The board has recently approved a 5-year Botswana Life Strategy. What do you envision for the future of Botswana Life? Indeed, the board has given a go ahead on the proposed corporate strategy that is inline with the Group’s overarching mandate. The reengineered structure of the business allows for new streams of revenue generation and utilization of the seasoned human skills. Several business models such as the specialized tied agents, broker and franchise models are some of the centerfold of the new strategy.
What are you proud of about Botswana Life? I am most proud of our collective reasoning as a business, be it staff, management or board to create financial security and risk mitigation through our legacy business that ensures improved livelihood of Batswana in general. What has been your favorite thing about Botswana since you arrived? I am very much appreciative of the people in Botswana. Their mannerism and engagement have been delightful. I can also say that the Maun wetlands have grown on me. The ambiance is just remarkable.
As a market leader in our own respect, the new strategy gives Botswana Life edge to forge top of mind positioning with every individual who thinks insurance. Not only that, but we foresee a technologically advanced way of doing business with our wide bouquet of product offerings. Lastly this will guarantee that our customers are delighted with every engagement and encounter with our brand. What do you want for the employees of Botswana Life? The one thing I personally aim for is success; and I want success at all costs for the employees of Botswana Life. This will be recognized by them operating in a conducive working environment, career and education development as well as ensuring that there is a work life balance with an enriched corporate culture. To achieve all this, living the set values of the business has become imperative to me and my Executive team to ensure that we do not fail Botswana Life employees.
This is when we will usually turn to other sources like metshelo and machonisa to help us make up for the deficit. In a situation like this, a 13th cheque comes in VERY handy! And if we plan right and stick to our budget, it can easily help us cover the rent, January school fees, and even the long 90 days of January ‘til our next pay day. So what is a 13th Cheque?
13 TH
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A 13th Cheque or Christmas bonus as otherwise known, is money usually paid by the employer to the employee at the end of the Traditionallyyear.a13th Cheque was a form of appreciation or acknowledgement of the employee, however in recent days it has become an option that employers may choose to include or exclude as part of their staff benefits. If a 13th cheque does not form part of your employee benefits, not all is lost. You can create a 13th Cheque for yourself. That’s right! By putting money aside every month, you can create a 13th Cheque for yourself and a flexible one at that. Things like how much you’d like to receive in the end, and how much you should put aside now, how frequently you will contribute, and even when you will withdraw the 13th cheque, all become decisions that you get to Withinmake.BIHL Group, employees are afforded a 13th Cheque deduction option where payroll can deduct an agreed percentage or amount from your monthly income, and have it put aside towards your 13th Cheque. That’s not all! To enhance your 13th Cheque, you can then opt to have your 13th Cheque invested in one of the Bifm Unit Trusts funds. In short, here’s how it works: When the festive spend-a-thon hits and we all find ourselves drawn to the sales in the malls, we sometimes get so swept away by the splurge, swiping and spending, that we find ourselves wondering what happened to the rent money or the January school fees money. create O ne ! DON’T HAVE A CHEQUE?
9 Stronger Together | 9 1. Do I want a 13th Cheque? Okey dokey. Speak to Payroll about monthly Welldeductions.doneon creating your 13th MarketBifmChequePulaMoneyFund Bifm PrudentialBalancedFund Congratulations on creating an enhanced 13th Cheque for yourself! For more information on which fund would be most ideal for your 13th Cheque, please contact the Bifm Unit Trusts team on +267 395 1564 or RetailServices@bifm.co.bw Bifm Local Equity Fund Great! 2. Do I want the money invested to enhance my 13th Cheque? 3.Super!Now pick which fund you want your 13th Cheque invested in! Okie dokes. Have a nice day
Stronger Together Stronger Together | 10 OFFICE
6 Avoid gossiping. Gossip affects office culture negatively, hurts people’s reputation in their absence, and bears no fruit.
1 Remember your “Thank You’s” Showing gratitude to fellow employees says a lot about individual courtesy and sense of gratitude. Seize opportunities to thank those who assist you in getting things done.
7 Avoid interrupting colleagues when they are still talking. Listen to the ideas and opinions of others. If a great idea suddenly pops to mind while a colleague is still speaking, rather note it down and share after they are done talking.
2 Use your ‘inside voice’. Its easy to forget this one. Yelling or shouting from across the room can be very disruptive to those around you. It interrupts other’s concentration and productivity.
5 Avoid the use of profanity. Not only does it make you look bad; it is inappropriate, and it makes others uncomfortable as well.
ETTIQUETTETIPS
3Show new employees some friendliness. Entering a new workplace can be daunting and assimilating to a new office culture and job is not always easy. It’s a good gesture to intentionally reach out and show extra kindness.
11 What are unit trusts? Unit trusts are vehicles in which investors have the opportunity to pool their money together with other investors who have similar objectives. This pool of money is managed by experienced investment managers in different assets in financial markets, such as a wide range of local and international equities, bonds, property and money market instruments. To grow your wealth and investment contact Bifm Unit Trusts. From as little as P200 per month, you can invest with Bifm Bifm Botswana Limited. Private Bag BR 185, Gaborone, Botswana. Tel: +(267) 395 1564. Fax: +(267) 390 0358. BifmEmail:retailservice@bifm.co.bwwww.bifm.co.bwUnitTrustsareregulatedbythe Non-Bank Financial Institutions Regulatory Authority (NBFIRA). Please note capital invested is not guaranteed and that past performance does not guarantee future performance. All fund prospectuses are available at Bifm offices, Plot 66458, Fairgrounds Office Park, Gaborone. A member of the BIHL Group Unit Trust
Survival demands innovativeness. Innovation can be defined as a process that involves multiple activities to uncover new ways of doing things. “It should not be confused with creation since this can be defined as the act of making, inventing, or producing However,something.new innovations can be realized with creativity.
TOYOURATION:INNOVGATEWAYTHEFUTURE
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People need to think outside the box in order to create incremental enhancements. “said American, solutionist thinker Ben Jense. Innovate yourself. The fastgrowing global industry and constant discoveriestechnologicaldemandthat we keep relevant, better yet, stay ahead of the game as individuals and organizations.
For businesses, maintaining an innovative approach is vital and needed for staying in the same wave length as your target audience, maintaining market share. Personal innovation is also important in developing a wellrounded successful individual, who ultimately forms part of a larger Personalorganization.innovation is the creative and intentional act of making a change in your life, with the aim of making your world a better one and this can be on a professional, personal or family level. “Personal Innovation picks up where personal development left off”, says Lena Edmondsonentrepreneurial couch. The creative process of rethinking and reshaping the way you view and so things on a daily and improve with each passing day. The process takes commitment and discipline, to become better than you were yesterday. The word innovation itself is about doing something new, its about fresh ideas, improvement and advancement. Personal development is a beneficial approach for many to apply to their lives to improve, however look for innovative ways to reenergize your development by looking at innovative ways to improve upon what you already have set in place on a daily. Organizations on the other hand, risk staying behind and loosing market share when they don’t embrace innovation, just like with loosing grip on technology. If you have customers, who are currently satisfied with your products and service, the basic principle of innovation demands that you take it to the next level and intentionally exceed their expectations. Push for a higher level of success. Set time aside to sit and review things with fresh eyes and to take note of new trends and innovation in the industry. Being proactive is key, innovation does not just happen. An innovation strategy is a good progress tracking tool for personal and organizational growth. The strategy takes in set of goals, habits and daily actions that insure relevance over time. Both short term and long term goals are then reviewed to track progress. For high success rate in organizations, human resources at individual levels should learn something new every day. Implementing the power of ‘yes’. Yes, to learning new skills. Yes, to a new team project does develop innovation skills. The more we say yes to innovation, the more we discover our potential, and are put in a better position to.
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STEP 2: PULLING BOARDS OFF FOR THE BOTTOM You’ll need two boards for the bottom of the wine rack, you can use the center of the pallet to get these boards. Using a hammer and a pry bar or whatever you have to get in between the boards, hammer it in and pry them off. This may take some practice and be frustrating because the ends have a tendency to crack and break, but eventually you’ll get the hang of it or get quality wood that wont crack.
STEP 5: HOLES FOR THE GLASS
STEP 1: CUTTING THE PALLET
On one board you need to make holes for the wine glasses. Most pallets are going to be around 40 inches wide and i used around the standard size wine glass but you can make the sizes fit your needs. For mine, I mark 4.5 inches in from the edge and then mark 3 more holes of that one 4 inches from the next. The depth I make them is 1.5-1.75 inches into the board. Then I do the same to the other side.
DIY PALLET WINE RACK
STEP 4: PalletsSANDINGare usually rough so I sand them down to make them look better and prevent getting splinters. Depending on how rough it is, I just used 120 grit and then 220 grit to finish.
STEP 3: CUTTING SMALL PIECES You’ll need 3 smaller pieces to separate the board that holds the glasses and supports the bottom. You can get these by cutting up the bigger section of pallet that the boards are nailed in to. The pieces need to be the length of the board and 1x1 or a little bigger if you’d like. You can use a hand saw to cut them up or whatever you have. I used a circular saw to cut them off the pallet then used a band saw to cut them to dimension. This is a simple wine rack made from the end section of a pallet. This can be made in around an hour and a half depending on what tools you use. You can make it with hand tools and a drill but is a lot easier with power tools. It’s simple, easy and cheap to make, and women love them.
Use a circular saw or hand saw and cut in the indention of the pallet where fork lift forks go. The height of the wine rack will be roughly 16-17 inches tall depending on where you cut it.
STEP 6: DRILLING THE HOLES
STEP 8: PUTTING IT TOGETHER I put the boards together and line them up with the bottom of the rack to make sure everything goes together well. I clamp them to my table and pre drill the holes and counter sink them. I use 3 inch screws to put it all together but you can use smaller screws and put it together in sections if you’d like. Make sure you pre drill all your holes either way so it doesn’t split the wood.
STEP 9: FINISHED, HANGING
The wine rack is done, now all you have to do it hang it. I use 2, 2.5 inch screws and put them in studs because all the weight from the wine bottles. Depending on where you’re hanging it and the studs location, I put them in one stud, skip one and put them in the other so there’s 32 inches between screws. Make sure you use a level before putting in the second screw.
I just use a piece of wood around and inch wide, center it on the hole and mark where I need to make the cuts. Using whatever saw you have, cut the pieces out and sand the rough edges.
STEP 7: CUTTING GAPS FOR THE GLASSES
I use a 1-3/8 inch forstner bit on my drill press but you can use a hand drill if you don’t have one, and drill out your marked holes.
Stronger Together Stronger Together | 16 VELTRAINSURANCE
17 Stronger Together | 17 Types of Covers Business and Leisure which cover international trips- Local trips not covered. Travel policy offers you complete travel protection 24 hours a day world wide Insured Persons: All persons travelling into and out of the borders of Botswana Corporate travel is designed for companies to cover directors and employees travelling on the insured company’s business Travel cover provided is by Aircraft, Road and Sea Cover is limited to 365 consecutive days for international leisure trips and 24 months for student Businesscovers cover is extended for Leisure only if duration of the leisure trip is less than 50% of the entire journey. Medical Cover: Includes Covers as War and Terrorism Medical companionofrepatriationTransportation,andevacuationtraveler,childrenor Burial, Cremation or Return of Mortal remains Compassionate Emergency Visit (All these covered at Actual Condition(ExcessofRelatedcountryExpenses(ExcessPre-existingExpense)Medical48hours)FollowupTreatmentinyourofresidenceDailyHospitalCashBenefitEmergencyMedicalandExpensesAsaResultPre-existingMedical48hours) Missed Connection We will pay the extra cost of economy class transportation to continue with Your original itinerary if You miss Your connecting transportationscheduledExcess 3 Hours Travel Delay If the scheduled departure of public conveyance transport is delayed for at least 6 hours, We will reimburse for reasonable additional expenses incurred for meals, drinks, travel costs, accommodation and the like if carrier does not provide them Luggage Loss If luggage, clothing or Personal Effects are accidentally lost, stolen or damaged We will indemnify by payment, replacement or repair. Luggage Delay If luggage has been delayed, misdirected or temporarily misplaced for a period in excess of 6 hour , We will reimburse the cost of purchasing emergency essential items of clothing and Personal Effects Accident Death (War & Terrorism incl) and Accidental Permanent Total Disablement (War & Terrorism incl) If one suffers bodily injury by accidental, external, violent and visible means which directly and independently of any other cause, results within twelve months in Death or Permanent Total Disablement. Personal Liability If one becomes legally liable for accidental death, accidental bodily injury or illness of any person or loss or damage to property TRAVEL INSURANCE
Hijack, Hostage or Wrongful Detention Inconvenience If the transport in which you are travelling is Hijacked and you are held hostage or if you are wrongfully detained We will pay you the daily inconvenience benefit. Legal Expenses If one is imprisoned or threatened imprisonment,withWe will assist in locating and appointing legal counsel and pay for legal expenses incurred by the traveler. Replacement Personal or Assignment Resumption We will pay the reasonable economy class travel costs for a replacement employee to complete the assignment for which the traveler was originally sent as the result of a valid claim under Emergency Medical and Related Expenses and / or Accidental Death and Permanent Total Disablement where one is unable to complete the assignment for which they were originally sent. For Claims Purposes Claim form to be completed Detail policy number and provide description of claim Provide companyemergencyreport,amountsdocumentssupportingI.r.o,claimablee.g->Invoices,policemedicalreport,etc.Medicalclaims,contactassistance
Cancellation / Curtailment/ Extension If one cancels their International Journey prior to departure as a result of: - unexpected death or sudden illness or injury - the cancellation and/or delayed departure within 36 hours of the scheduled departure of Your transport a Traumatic Event within 14 days prior to departure; - accidental damage or burglary to Your main residence resulting in a loss in excess of P100 000 within 30 days prior to departure; - theft or loss of Your travel documents causing unavoidable cancellation; Hijack, Hostage or Wrongful InconvenienceDetention
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She has 20 years’ experience in the financial services sector having worked for Ernst & Young Botswana and the BIHL Group in different capacities in the Finance and Audit divisions. She is a Fellow member of the ACCA (UK) and BICA having qualified in 2003. A commercially astute professional, Rorisang started her career at Ernst & Young in 1998 as an Audit Trainee and left in 2008 as a Senior ManagerSheAudit.joined The BIHL Group as a Company Secretary and Group Finance Manager responsible for Corporate Governance, Secretarial and Group financial reporting. During her tenure as Group Finance Manager, the BIHL Annual Report won the coveted PwC Best Published Results several times as well as Best in Financial Services Sector. Modikana has also been a member of The BIHL Staff Retirement Fund –Trustee, as well as a member of the Botswana Unified Revenue Service – (BURS) Board and Finance Audit Committee, since 2013
Congratulations Rorisang Modikana Chief Finance Officer YOU DID IT
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The BIHL Group’s Corporate Social Investment (CSI) arm, BIHL Trust, commemorated World Autism Day through an Autism Awareness Walk in collaboration with Autism Botswana on the 2nd of April.
The BIHL Trust in collaboration with Autism Botswana marched in solidarity with the autism community and supporters in the 3km Autism Awareness Walk, which was centered within the Central Business District (CBD) area.
BIHL BLUE FOR AUTISM
The BIHL Trust has partnered with Botswana Insurance Company (BIC) to assist Autism Botswana in raising awareness on Autism Spectrum Disorder. The Autism Awareness Walk is one of the initiatives of The Trust to promote awareness and inclusion for people living with and affected by TheAutism.BIHL Trust’s Ngwatshi Enyatseng, a Trustee, said, “The Autism Awareness Walk is in line with our continued commitment to support various CSI initiatives to improve the lives of people in our surrounding communities. Our people are the reason as to why we exist and for whom we exist. Therefore, it is imperative that we play our role in supporting and uplifting the communities and people around us. BIHL Trust, in association with Botswana Insurance Company (BIC), is proud to collaborate with Botswana Insurance Company (BIC) to support Autism Botswana and their efforts in helping to raise awareness, and understanding on Autism Spectrum EstablishedDisorder.”in2007, the BIHL Trust was formed to make a positive impact with communities in need, through positive and sustainable development initiatives. Thus, 1% of BIHL Group’s post-tax profits are channeled towards The BIHL Trust, to be used to make meaningful impact across a variety of spheres. This includes: Education, Social Upliftment, Economic Empowerment, Public Health, Recreation and Conservation of the Environment. As The BIHL Trust, we remain committed to engineering legacies for our people and our local communities, nothing gives us greater pleasure than this opportunity to actively contribute and play a role in driving awareness and inclusion for people living with autism. We will continue to light it up blue not only in our offices, but in our homes, and in our hearts.
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Ba BIHL Group ba ikopantse le ba Autism Botswana gogo fa lesedi ka dintlhakgolo tsa Autism. A re itse ka Autism Re itse dikai tsa ntlha, ela tlhoko sese mo karateng ya ngwana gore o mmatlele thuso ka potlako. Kgwedi tse thataro (6 months): Go tlhoka go leba mo matlhong ga o bua Go tlhoka go itumela fao mo Gotshamikisasatshege ka tekanetso fao mo tshamikisa Kgwedi tse Borobabongwe (9 Months): Go tlhoka go etsa fao bua le go Gotshamekatlhoka gogo leba fa o mmuisa kana o mmitsa Kgwedi tse lesome le bobedi (12 Months): Asa dire medumo ya puo, kana a dira medumo esele ka Asapheteletsosupeka monwana sea se Asabatlangarabe leina la gagwe ka gogo leba Kgwedi tse lesome le borataro ( 16 months): Ngwana asa bue mafoko ape Kgwedi tse a masome a mabedi le bone (24 months): Ngwana a sena mafoko kana ale Amannyentseasa go etse fao bua kana o mo tshamekisa Ngwaga tse pedi go ya kwa godimo (2 years or more): Fa akile a nna le medumo kana puo ebo e nyelela A ntse asa lebelele mo matlhong fao bua le ene A rata go tshameka ale nosi fela A rata menko ee rileng, mebala eerileng, dijo tse di rileng, le diaparo tse di rileng Mekgwa ee riling jaaka go tsamaya ka menwana, kana go dikologaAnalepuo mme a boelela mafoko Fa o bona ngwe ya tsena, bona ba botsogo gogo thusa kana re leletse ko 73807574 kana 72389404, ana maranyane aa latelang www. autismspeaks.com Itse seemo sa ngwana waga go. - AutismBotswana Itse nnete ka Autism, gasa molaetsa, #BerekemmogokaAutismare (Source: www.autismspeaks.org) Y (APRIL
c Waanyaneng TAKES HOME THE PRIZE!
We
SerinaneManthabakwe,Mafetsakgang,Tshwaragano,Cwaanyaneng,Bopaganang,Chakaloba,Goshwe,Nokaneng,Kuke,Mogobane,Primary School Are Stronger Together!
Stronger Together Stronger Together | 22 We celebrate and congratulate Cwaanyaneng Primary School for coming - up tops, with a 100% ABC Pass rate in 2018! In 2018, the BIHL Trust together with the Ministry of Basic Education signed a memorandum of understanding, which reaffirms our commitment to develop primary level education inAmongstBotswana.many projects, the Trust started a nationwide search of schools that were performing below standard, in a bid to improve PSLE school results. The Trust pledged to install libraries in 11 primary schools selected countrywide, followed by a literacy program, that capacitated school teachers to help school children to learn how to read and write at the right level. To help bring out the best within the primary scholars, BIHL Trust later developed a competition challenging all the schools for a Prize of P 50 000.00 worth of stationary equipment. The school with the best results would walk away with the prize. Other adopted Primary Schools countrywide are:
23 We Together!StrongerAre
DET XTHATSMOOTHIESDETOXACTUALLYTASTEGOOD! All you need is a couple of ingredients and a blender, soon your skin will be poppin’ and possibly drop a jeanEnjoy!size. Cucumber g inger Detox If in need of a home-made smoothie to remove toxins from the body (cleanse the Liver), reduce inflammation, aid weight loss, promote skin health, boost energy and mental alertness, try one of these easyto-make smoothies. Detox smoothies are made to flush your body of toxins while adding to the body vitamins,andantioxidants,fiber. Cucumber Ginger Detox 42 grams of spinach 1 cucumber - chopped 1 orange - peeled 1/2 avocado - pitted 2 cm ginger - peeled 1 tsp rosehips 1 cup water 1 cup ice Apple Berry Detox Smoothie 1 cup mixed berries (like raspberries, strawberries, and blueberries) 1 large apple 2 cups spinach 1 cup water (or unsweetened almond milk) Pineapple Banana Detox Smoothie 1 cup pineapple 1 banana 1 apple 2 cups spinach 1 cup water
BIHL GROUP IS A LEADING FINANCIAL SERVICES GROUP, ORIGINALLY ESTABLISHED IN 1975. We listed on the botswana stock exchange in 1991 and are the holding company for industry leading subsidiaries To do this, we ensure that we have the best team in place – a veritable engine of excellence to drive our efforts. We are only as good as our people. After all, the value of our people strengthens our worth. We provide financial solutions to individual and institutional clients, contributing to a stronger economy, and building better communities for tomorrow. Our strategic goal is to become a broad-based financial services company offering a diverse range of products and services within Botswana and across the Southern African region.
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BIHL FACTS strengthening Our WOrth.
